Restructuring debt proposal in three hypothetical scenarios: Equal payments, different amounts and one unknown payment, different amounts and three unknown payment

  • Elena Moreno-García Researcher at Universidad Cristóbal Colón, Veracruz
  • Arturo García-Santillán Universidad Cristóbal Colón, Veracruz
  • Agustín Bermúdez-Pérez Master program student at Universidad Cristóbal Colón
  • Paulo César Almeida-Fernández Master program student at Universidad Cristóbal Colón
Keywords: Debt, Original value scheme, New value scheme, Equal payments, Promissory notes, Restructuring debt.

Abstract

It is common that some debtors -enterprises or particulars- require credit to acquire products or services. To do this people used to signed some promissory notes with different maturities. In this idea, and derived from the potential problems of illiquidity, are seen the need to renegotiate their debts with the creditors, who gave them this financing or credit. Several methods are used to do this. In this paper it is presented a proposal with three hypothetical scenarios from modeling with equivalent equations. The aim is to set a practical methodology that allows identify a factor, which we may use to calculate a new value of debt scheme, and furthermore, integrate the variables such as: time, interest rate, coefficients, original value scheme and new value scheme.

Author Biography

Arturo García-Santillán, Universidad Cristóbal Colón, Veracruz
Researcher

References

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Published
2015-05-21
How to Cite
Moreno-García, E., García-Santillán, A., Bermúdez-Pérez, A., & Almeida-Fernández, P. C. (2015). Restructuring debt proposal in three hypothetical scenarios: Equal payments, different amounts and one unknown payment, different amounts and three unknown payment. Journal of Progressive Research in Mathematics, 4(1), 233-247. Retrieved from http://scitecresearch.com/journals/index.php/jprm/article/view/187
Section
Articles