(A Final Requirement in BMATH2: Mathematics of Investment)
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1 (A Final Requirement in BMATH2: Mathematics of Investment) Group: Group Leader: Rodrigo Duterte Miriam Defensor-Santiago Grace Poe Group Members Mar Roxas Jejomar Binay Bachelor of Science in Business Administration major in Course and Section: Marketing Date of Submission: April 6, 2016 April 8, 2016 Date of Presentation: Professor: Grade: Migo M. Mendoza
2 Business Profile: Company Name: Company Description: World Business Lenders From our headquarters in New York City, we provide working capital to small businesses across the United States. WBL was founded in 2011 with six people and has grown substantially since. Our executive team consists of seasoned entrepreneurs and bankers who have over one hundred years of combined experience in the financial services industry. We understand entrepreneurs and are able to make common sense funding decisions. Our unique approach to lending makes the small business the focal point for our loan decisions. WBL believes the history and financial performance of the business outweighs other factors in its decision-making process. Our Mission: We are a direct lender and we stand behind every loan we fund from start to finish. Chief Executive Officer: Managing Director: Managing Director and Chief Administrative Officer: Managing Director, Chief Revenue Officer: Director and Senior Investment Officer: Rodrigo Duterte Miriam Defensor-Santiago Grace Poe Mar Roxas Jejomar Binay
3 Client s Profile: Company Name: Company Description: Our Mission: Our Vision: Company Manager: Assistant Manager for Marketing: Assistant Manager for Production and Quality Assurance: Assistant Manager for Finance: Store Manager: idoodle Design idoodle Design began in 2014 as a small store selling men s t-shirts. Then, it grew at an unparalleled rate becoming the pioneer in the use of celebrity endorsers, television, and giant billboards to propel a fashion brand that offers premium quality products at affordable prices. As it sliced through demographic divisions -- age, gender, socio-economic status -- a stirring slogan, idoodle Design is forever, became the company s abiding creed. When we create, we inspire. When we make, we innovate. When we lead, we serve. To be a recognized world brand among the best world brands. Migo M. Mendoza Ernan P. de Jesus Darwin C. Murillo Kim Kenneth M. Masalunga John Renz V. Cano
4 I. Statement of the Problem Lease and Loan (A Sample Investigative Business Report) A man who is recently earned his degree in Master of Business Administration is planning to put up a clothing line business with his college friends. To finance their business they agreed to loan in a certain lending company. However, they were confronted with several loan options. Since they are just starters, they would like to get a loan where they can start paying after six months or after twelve months. Aside from the money, they would like the heat press machines and printing machines to be leased and to be included in a loan. As someone who is working in a lending company, what is the appropriate offer can you provide to this type of client and in what payment scheme? II. Objectives III. Methodology This business report aims to: provide the appropriate offer to entry-level businessmen in financing their clothing line business; provide the most appropriate payment scheme based on client' capacity; and provide leasing appropriate options for machineries of their business. 1. Client s Concerns A. Client would like to start paying their loan after six to twelve months. B. Client would like to lease printing machine and heat-press machine. 2. Resolutions A. Client would like to start paying their loan after six to twelve months. It is given that the client business status is entry-level, hence the client would be in stable capacity to pay for their dues after a certain duration. Thus, the client is requesting to start their equal payment after six to twelve months. After reviewing their request our company strongly recommended that the loan must be payable in Simple Deferred Annuity payment scheme. a. Definition of Payment Scheme The problem calls for a Simple Deferred Annuity. When an annuity in which the first payment interval is delayed, or deferred, for a period of time it is called simple deferred annuity. The time interval to the beginning of the first payment interval is called the period of deferral. We can always choose the period of deferral so that the payments, viewed from the end of the period of deferral, constitute an ordinary annuity. However, as client's request and approved by our company manager, the client will start paying their loan (a)
5 after six months or (b) after twelve months. b. Computation The client is requesting to loan a total of. This amount is excluded from leasing machines for their business. As approved by our company manager, the client will pay a annual effective interest rate which is equivalent to a nominal rate of Furthermore, the loan is payable in 5 years and the client will pay their due every end of the month. Case I: If the period of deferral will be six months, the computation for the monthly payment will be: Case II: If the period of deferral will be twelve months, the computation for the monthly payment will be:
6 B. Client would like to lease printing machine and heat-press machine. During the client's loan application they stated that they are interested to lease (a) heat-press machine and (b) printing machine. This was approved by our company manager and the client was informed that the charged for leasing (a) heat-press machine in five years is and for leasing (b) digital printing machine in five years is implement a Simple Annuity Due payment scheme. a. Definition of Payment Scheme. Here, after thorough analysis our company will The resolution of the problem calls for simple annuity due. Annuity due is a type of annuity where the payments are made at the beginning of each payment interval, unlike the ordinary simple annuity the payment interval starts at the end of each period. Simple Annuity Due is very applicable to almost all of payment for lease agreements. Thus, this will be applied for the monthly payment of the client for (a) heat-press machine and (b) digital printing machine. b. Computation The client agreed to a worth of a five-year leasing contract for a heat-press machine. Also, they agreed to a worth of a five-year leasing contract for a digital printing machine. Moreover, the client agreed that our company will charge a nominal rate of which is equivalent to an annual effective rate of for leasing a heat-press machine. Meanwhile, the client agreed for a charge of nominal rate of interest which is equivalent to annual effective rate of interest. Case I: The computation for period monthly rent for leasing a heat-press machine:
7 Case II: The computation for period monthly rent for leasing a digital printing machine: IV. Conclusion Based on the client's capacity to pay their dues and client's request our company arrived in these conclusions: A. Loan Our company's decision is to implement a simple deferred annuity payment scheme for our client to pay their loan. Hence, the client will have a monthly due of if they will decide to start their payment after six months of receiving their loan. This monthly payment will yield to company's profit is after five years. Thus, our On the contrary, if the client will decide to start paying their due twelve months after receiving their loan, their monthly due is This monthly payment will yield to after five years. Hence, our company's profit is Our company will benefit gain if the client will pursue the 12 months period deferral.
8 B. Lease Agreement for Heat-Press Machine Our company decided to implement the Simple Annuity Due as the payment scheme for leasing a heat-press machine for five years. This will result to client's monthly lease. After five years of leasing this will yield to company will have a profit of from this lease agreement. C. Lease Agreement for a Digital Printing Machine thus our As per company's decision, Simple Annuity Due payment scheme will take effect. The client will pay monthly lease for a digital printing machine, and after five years this will yield to five years. D. Total Company's Profit and this is actually equivalent to Thus, our company's profit is annual effective rate of interest in In lieu of the abovementioned information, our company's total profit after five years from this client will be if the client's final decision is to have six months period of deferral for their loan. On the other hand, if the client will decide to have twelve months period of deferral for the said loan, our company's profit will be Breakdown of Profits Six Months Period of Twelve Months Period of Deferral Deferral Profit from Php500, Loan Php124, Php147, Profit from Php150, Lease Agreement for Heat-Press Php19, ditto- Machine Profit from Php2,343, Lease Agreement for Digital Printing Php176, ditto- Machine Total Profit: V. Recommendation After thorough investigation, our company strongly recommends these: simple deferred annuity is the appropriate payment scheme if client decides to delay their first payment for a certain period of time; simple annuity due is the appropriate payment scheme if the client and the company go on a lease agreement; it is very imperative to put the client's satisfaction among others; it is vital to ensure that while giving client's satisfaction one must not put
9 company's profit at risk; and it is essential to understand and to analyze client's ability in settling their liabilities in order to educate them accordingly.
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