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MATEMÁTICA FINANCEIRA
NA EDUCAÇÃO BÁSICA
EXERCÍCIOS GERAIS RESOLVIDOS
PROF. ILYDIO PEREIRA DE SÁ
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Prof. Ilydio Sá 2
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Prof. Ilydio Sá 3
Exercício 01
Uma mercadoria sofreu 4 acréscimos consecutivos de 3%, 4%, 6,5%
e 8%, respectivamente. esse mesmo período, as taxas de inf!a"#o
correspondente foram de $% 1,5% 5% e 3%. &'ten(a)a* + taxa nomina! correspondente ao aumento tota! acumu!ado
dessa mercadoria.
'* + taxa de inf!a"#o acumu!ada do período.
c* + taxa rea! de aumento dessa mercadoria.
a* 1,03 x 1,04 x 1,065 x 1,08 1,$3$1 fator de aumento damercadoria, !o-o, 1,$3$1 / 1* x 100 23,21% é a taxa nomina! doaumento acumu!ado da mercadoria.
'* 1,0$ x 1,015 x 1,05 x 1,03 1,11 / fator de inf!a"#o acumu!ada,!o-o, 1,11 / 1* x 100 11,97% é a taxa de inf!a"#o acumu!ada.
c* 2ator de aumento rea! 1,10041197,1
2321,1≅
axa rea! de aumento da mercadoria 1,1004 / 1* x 100 10,04%
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Prof. Ilydio Sá 4
Exercício 0$
15% ____________ 360 dias
x% ____________ 124 dias
JUROS SIMPLES M = C .
105.167,00
100.000
0 124dias
a!cu!e o va!or do montante correspondente a um empréstimode 7100.000, com prao de 1$4 dias, sa'endose 9ue a taxa
co'rada é de 15% ao ano, a :uros simp!es.
167,00105M
1,05167x000100M 5,167%360
15.124x
≅
=∴≅=
Fluxo de Caixa
da operação
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U! "a#i$a d& R'50.000, a#i"ad( d)*a+$& 10 !&s&s, *&+d&
)*(s d& R'-.000. &$&*!i+a* a $axa a+)a "(**&s#(+d&+$&,
s& a a#i"a/( (i a )*(s si!#&s.
5-.000
50.000
0 10
Exercício 03
JUROS SIMPLES M = C .
meses10 para%,16de axa 1,16000500005! " ⇒==
19,2%12x1,6%a#$alaxa %6,110
16% i me#sal,axa ==∴==
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Prof. Ilydio Sá 6
JUROS SIMPLES
13.000
10.000
0 12
Exercício 04
Taxa global da operação = 2,5% x 12 = 30%, logo fator = 1,3
Ca")a* ( !(+$a+$& da a#i"a/( d& )!
"a#i$a d& R' 10.000 #&( #*a( d& 12 !&s&s, $axa d& 2,5 % a.!., a )*(s si!#&s.
M = 10 000 x 1,3 = 13 000,00
Fáil, !ão "
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Prof. Ilydio Sá 7
Ca")a* ( !(+$a+$& d& )! "a#i$a d& R' 100.000,a#i"ad( $axa d& 4,5 % a.!., d)*a+$& 11 !&s&s.
; . 2n
i = 4,5% a.!.
M
100.000
0 11
Exercício 05
M = 100.000 . 1,04511
=
M = 162.2-5,30
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Prof. Ilydio Sá !
i =
25.600
20.000
0 6
; . 2n
Exercício 06)a a $axa a#*(xi!ada, d& )!a a#i"a/( 8)& *&+d&) (!(+$a+$& d& R' 25 600, a #a*$i* d& )! i+&s$i!&+$( d& R' 20 000,#(* )! #*a( d& 6 !&s&s
ms.ao4,2%de&aproximadaaxaa'o(o,
1,0421,2!"1,2!"
2!,100020
60025 "
66
6
≅=∴=
==
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Prof. Ilydio Sá 9
)& 8)a+$ia d&& s&* i+&s$ida, :(&, a i! d& a")!)a* R' 200.000, &! 10 a+(s, $axa d& 10 % a.a.
i = 10 % a.a.
200.000
C
0 10
; . 2n
Exercício 0
C = 200.000 ; 1,110 =
C = 77.10-,66
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Exercício 08
i = - % a.a.
12.000
5.000
0 +
lo()1,0!*
lo()2,4* #)2,4*lo()1,0!*lo(.#
2,41,0!
2,45000
00012 1,0!
000121,0!x5000
#
#
#
=∴=
=
==
=
0,3!0211+0,477120,30103.3
10lo(+3lo(2lo(.3
10lo(+3*x)2lo(10
24 lo()2,4*lo( 3
≅+≅
≅+=
==
0,033422+3.0,477120,30103.2
100lo(+33.lo(2lo(.2
100lo(+*3x)2lo(100
10! lo( )1,0!*lo( 32
≅+≅
+=
==
a#os11,37670,03342
0,3!021
lo()1,0!*
)2,4*lo( # ≅≅=
P(* 8)a+$( $&!#( d&& s&* "(("ad( ( "a#i$a d& R' 5.000, $axa d&-% a.a, a i! d& #*(d)i* )! !(+$a+$& d& R' 12 000, s&+d( a
"a#i$aia/( a+)a. ad(s< ( 2 0,30103 & ( 3 0,47712
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Prof. Ilydio Sá 11
Exercício 0
I!ai+& )!a "ad&*+&$a d& #()#a+/a :i#($>$i"a8)& (&*&/a )*(s d& 4,5% a( s&!&s$*&, "(!
"a#i$aia/( ?i!&s$*a d(s )*(s. &$&*!i+& a$axa d& )*(s s&!&s$*a &&$ia.
4,5% a( s&!&s$*&, "(! )*(s ?i!&s$*ais = @ABA OMIAL
C(!( 1 s&!&s$*& #(ss)i 3 ?i!&s$*&s<@ABA EE@IDA IMES@RAL = 4,5% a.s. ; 3 = 1,5% a.?.
Ca#i$aia+d(Fs& 1,5% a.?. a )*(s "(!#(s$(s, d)*a+$&3 ?i!&s$*&s, #&( a$(* 1 G i+<
@ABA SEMES@RAL EE@IDA = 1,0153 = 1,0457 4,57% a.s.
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Prof. Ilydio Sá 12
A $axa d& )*(s d& )! &!#*>s$i!( ?a+"H*i( > d&
14% a.a., "(! #aa!&+$( $*i!&s$*a d(s )*(s.&$&*!i+& a $axa &&$ia a+)a d( &!#*>s$i!(.
Exercício 10
14% a. a., "(! #$( $*i!&s$*a d& )*(s = @ABA OMIAL
C(!( 1 a+( #(ss)i 4 $*i!&s$*&s<@ABA EE@IDA @RIMES@RAL = 14% a.a. ; 4 = 3,5% a.$.
Ca#i$aia+d(Fs& 3,5% a.$. a )*(s "(!#(s$(s, d)*a+$& 4$*i!&s$*&s, #&( a$(* 1 G i+<
@ABA EE@IDA AUAL = 1,0354 = 1,1475 14,75% a.a.
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Exercício 11
U! i+a+"ia!&+$( (i "(!?i+ad( s(? $axa d& 15% a(a+(, "(! "a#i$aia/( a+)a. )a a $axa &8)ia&+$&,#a*a )!a ?as& d& )*( 8)ad*i!&s$*a
1 a#o 3 -$adrimesres
-" -" -"
a"
%.4,77de& pedida
ral-$adrimesaxaa'o(o,
1,047715,1"
1,15"""3
-
3
-a
3
-
≅=
=⇒=
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Ca")& ( a(* d& #a*a 8)& (s d(is )x(s a?aix( s&a!&8)ia&+$&s $axa d& 3 % a.!.
R'12.000
0 1 2 3 4 5 6 0 1 2 3 4 5 6
R'-.000
R'10.000 R' 10.000
= -.000 1,033
G 10.000 1,032 G 10.000 ; 1,03
1 G
G 12.000 ; 1,032 = 40.370,70
Exercício 1$
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Exercício 13
Um e!etrodoméstico foi comprado de acordo com o f!uxo decaixa apresentado a'aixo. <eterminar a taxa de :uros mensa!,so're o sa!do devedor, inserida no pa-amento a prao.
23,3%& $rosdeme#salaxaa'o(o,
1,233
16
14,735
16
2175 "
16
192255
16
)+6*.!.4+255 "
06+5"+!"
600".500".!00
2
2
≅+
≅+
=
+±=
±=
=
+=
0 1 2
1200
#00
500$00
00 "o/o
es/olido