Resumen

VELASQUEZ LAGUNA, Valeria Judith. The conceptual basics of financial mathematics for decision making. Investigación y Negocios [online]. 2021, vol.14, n.24, pp.135-148.  Epub 31-Oct-2021. ISSN 2521-2737.  https://doi.org/10.38147/invneg.v14i24.154.

The study of financial mathematics has become a fundamental issue for making more convenient decisions for people linked to the financial field. In this sense, the basic concepts about projects and the different investments that can be carried out in everyday and business life are defined and explained.

Also, the importance of the concept of the value of money over time is made known, as a fundamental element of financial mathematics, as well as the principle of equivalence and the principle of economic vision, which are applied in the economic diagram, for the purpose of transfer cash flows to the present or the future.

Instruments, methods and procedures are developed to make the best decision when you have to choose one of several alternatives, either to invest money in projects or in various investments. It develops and explains general concepts of financial mathematics, investment, project, interest and capital, among other definitions related to financial mathematics for decision making.

Currently, financial activity among business men and women and banks has been increasing significantly, becoming a daily chore in modern society. Consequently, a correct knowledge of financial mathematics is necessary to make the best decision in financial matters.

Finally, the knowledge and practice for the calculation of the various indicators of financial mathematics, for example, simple interest, compound interest, bank discount and income; It will allow to know in advance the results of a probable financial operation and in this way to seek to choose the best alternative for decision-making.

The present research work aims to carry out and investigate the conceptual basis of financial mathematics for optimal decision making.

Palabras clave : Financial mathematics; interest; rate; amount; capital principal; time or term; discount; equivalence; intermediary; borrower; owner; credit; investment..

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