Presupuesto Cooperativa

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A continuacion se presenta el reporte

de presupuesto anual detallado de la


cooperativa puro prestamo COOPUPE,
y la ejecucion presupuestal detallada.

Nombre de la empresa COOPUPE


Teléfono de contacto XXXXX
E-mail XXXXXX
Dirección postal XXXXXXXXXX
Totales Ene
Ingresos estimados 1,050,000
Presupuesto para el año Gastos previstos 67,985,400
2016 Resultado (Ingresos-Gastos) (66,935,400)

Resultado acumulado (66,935,400)

Tipo Empresa Concepto Ene


Ingreso Banco Miramar Intereses CDT 1,050,000
Ingreso Asociados 72 Nuevo asociados 3,240,000
Ingreso xxxx Premios
Gasto Gerente Nomina 5,136,000
Gasto Analista de credito Nomina 1,284,000
Gasto Analista de credito Nomina 1,284,000
Gasto Auxiliar contable Nom 1,337,500
Gasto Mensajero Nomin 963,000
Gasto Contador 1/2 Tiem Contador 2,140,000
Gasto Ser gnral Pago ser gnarl 963,000
Gasto Rev fiscal Pago Rev fiscal 1,926,000
Gasto Secretaria Pago secretaria 1,498,000
Gasto Asamblea Gtos asamblea 6,159,600
Gasto Papeleria Gastos papeleria 3,823,200
Gasto Fotocopia Gts fotocopia 1,062,000
Gasto Mantenimiento Gts mantenimiento 6,053,400
Gasto Corte y cable Gts corte y cable 1,274,400
Gasto Publicidad Gtos publicidad 4,672,800
Gasto Cafeteria Gtos cafeteria 1,274,400
Gasto Transporte Gtos transp 2,655,000
Gasto Utiles de aseo Gts utiles aseo 1,380,600
Gasto Varios Gtos varios 2,548,800.00
Gasto Bancario Gts bancarios 2,495,700.00
Gasto Arrendamiento Gtos arrendamiento 10,195,200.00
Gasto Servicios publicos Gts serv publicos 7,858,800.00
Gasto EQUIPO COMP GTOS EQUIP COMP
Presupuesto anual estimado

Feb Mar Abr May Jun Jul


1,050,000 1,050,000 1,050,000 1,050,000 1,050,000 1,050,000
67,985,400 67,985,400 67,985,400 72,585,400 67,985,400 67,985,400
(66,935,400) (66,935,400) (66,935,400) (71,535,400) (66,935,400) (66,935,400)

(133,870,800) (200,806,200) (267,741,600) (339,277,000) (406,212,400) (473,147,800)

Feb Mar Abr May Jun Jul


1,050,000 1,050,000 1,050,000 1,050,000 1,050,000 1,050,000
0 0 0 0 0 0
0 0 0
5,136,000 5,136,000 5,136,000 5,136,000 5,136,000 5,136,000
1,284,000 1,284,000 1,284,000 1,284,000 1,284,000 1,284,000
1,284,000 1,284,000 1,284,000 1,284,000 1,284,000 1,284,000
1,337,500 1,337,500 1,337,500 1,337,500 1,337,500 1,337,500
963,000 963,000 963,000 963,000 963,000 963,000
2,140,000 2,140,000 2,140,000 2,140,000 2,140,000 2,140,000
963,000 963,000 963,000 963,000 963,000 963,000
1,926,000 1,926,000 1,926,000 1,926,000 1,926,000 1,926,000
1,498,000 1,498,000 1,498,000 1,498,000 1,498,000 1,498,000
6,159,600 6,159,600 6,159,600 6,159,600 6,159,600 6,159,600
3,823,200 3,823,200 3,823,200 3,823,200 3,823,200 3,823,200
1,062,000 1,062,000 1,062,000 1,062,000 1,062,000 1,062,000
6,053,400 6,053,400 6,053,400 6,053,400 6,053,400 6,053,400
1,274,400 1,274,400 1,274,400 1,274,400 1,274,400 1,274,400
4,672,800 4,672,800 4,672,800 4,672,800 4,672,800 4,672,800
1,274,400 1,274,400 1,274,400 1,274,400 1,274,400 1,274,400
2,655,000 2,655,000 2,655,000 2,655,000 2,655,000 2,655,000
1,380,600 1,380,600 1,380,600 1,380,600 1,380,600 1,380,600
2,548,800 2,548,800 2,548,800 2,548,800 2,548,800 2,548,800
2,495,700 2,495,700 2,495,700 2,495,700 2,495,700 2,495,700
10,195,200 10,195,200 10,195,200 10,195,200 10,195,200 10,195,200
7,858,800 7,858,800 7,858,800 7,858,800 7,858,800 7,858,800
4,600,000
mado

Ago Sep Oct Nov Dic


1,050,000 1,050,000 1,050,000 1,050,000 1,050,000
67,985,400 67,985,400 67,985,400 67,985,400 67,985,400
(66,935,400) (66,935,400) (66,935,400) (66,935,400) (66,935,400)

(540,083,200) (607,018,600) (673,954,000) (740,889,400) (807,824,800)

Ago Sep Oct Nov Dic


1,050,000 1,050,000 1,050,000 1,050,000 1,050,000
0 0 0 0 0
0 0 0 0 0
5,136,000 5,136,000 5,136,000 5,136,000 5,136,000
1,284,000 1,284,000 1,284,000 1,284,000 1,284,000
1,284,000 1,284,000 1,284,000 1,284,000 1,284,000
1,337,500 1,337,500 1,337,500 1,337,500 1,337,500
963,000 963,000 963,000 963,000 963,000
2,140,000 2,140,000 2,140,000 2,140,000 2,140,000
963,000 963,000 963,000 963,000 963,000
1,926,000 1,926,000 1,926,000 1,926,000 1,926,000
1,498,000 1,498,000 1,498,000 1,498,000 1,498,000
6,159,600 6,159,600 6,159,600 6,159,600 6,159,600
3,823,200 3,823,200 3,823,200 3,823,200 3,823,200
1,062,000 1,062,000 1,062,000 1,062,000 1,062,000
6,053,400 6,053,400 6,053,400 6,053,400 6,053,400
1,274,400 1,274,400 1,274,400 1,274,400 1,274,400
4,672,800 4,672,800 4,672,800 4,672,800 4,672,800
1,274,400 1,274,400 1,274,400 1,274,400 1,274,400
2,655,000 2,655,000 2,655,000 2,655,000 2,655,000
1,380,600 1,380,600 1,380,600 1,380,600 1,380,600
2,548,800 2,548,800 2,548,800 2,548,800 2,548,800
2,495,700 2,495,700 2,495,700 2,495,700 2,495,700
10,195,200 10,195,200 10,195,200 10,195,200 10,195,200
7,858,800 7,858,800 7,858,800 7,858,800 7,858,800
Totales Promedio
12,600,000 1,050,000
820,424,800 68,368,733
(807,824,800) (67,318,733)

- -

Totales Promedio
12,600,000 1,050,000
3,240,000 270,000
0 0
61,632,000 5,136,000
15,408,000 1,284,000
15,408,000 1,284,000
16,050,000 1,337,500
11,556,000 963,000
25,680,000 2,140,000
11,556,000 963,000
23,112,000 1,926,000
17,976,000 1,498,000
73,915,200 6,159,600
45,878,400 3,823,200
12,744,000 1,062,000
72,640,800 6,053,400
15,292,800 1,274,400
56,073,600 4,672,800
15,292,800 1,274,400
31,860,000 2,655,000
16,567,200 1,380,600
30,585,600 2,548,800
29,948,400 2,495,700
122,342,400 10,195,200
94,305,600 7,858,800
Totales Ene
Ingresos obtenidos 1,050,000
Presupuesto para el año Gastos efectuados 67,596,708
2016 Resultado (Ingresos-Gastos) (66,546,708)

Resultado acumulado (66,546,708)

Tipo Empresa Concepto Ene


Ingreso Banco Miramar Intereses CDT 1,050,000
Ingreso Asociados 72 Nuevo asociados 3,240,000
Ingreso xxxx Premios
Gasto Desembolso credito Prestamo asoc nuevos 50% cdt
Gasto Gerente Nomina 5,136,000
Gasto Analista de credito Nomina 1,284,000
Gasto Analista de credito Nomina 1,284,000
Gasto Auxiliar contable Nom 1,337,500
Gasto Mensajero Nomin 963,000
Gasto Contador 1/2 Tiem Contador 2,140,000
Gasto Ser gnral Pago ser gnarl 963,000
Gasto Rev fiscal Pago Rev fiscal 1,926,000
Gasto Secretaria Pago secretaria 1,498,000
Gasto Asamblea Gtos asamblea 6,467,580.00
Gasto Papeleria Gastos papeleria 4,014,360.00
Gasto Fotocopia Gts fotocopia 1,115,100.00
Gasto Mantenimiento Gts mantenimiento 5,871,798.00
Gasto Corte y cable Gts corte y cable 1,236,168.00
Gasto Publicidad Gtos publicidad 4,532,616.00
Gasto Cafeteria Gtos cafeteria 1,236,168.00
Gasto Transporte Gtos transp 2,601,900.00
Gasto Utiles de aseo Gts utiles aseo 1,352,988.00
Gasto Varios Gtos varios 2,497,824.00
Gasto Bancario Gts bancarios 2,445,786.00
Gasto Arrendamiento Gtos arrendamiento 9,991,296.00
Gasto Servicios publicos Gts serv publicos 7,701,624.00
Gasto EQUIPO COMP GTOS EQUIP COMP
Presupuesto anual real

Feb Mar Abr May Jun Jul


1,050,000 1,050,000 1,050,000 1,050,000 1,050,000 1,050,000
67,596,708 67,596,708 67,596,708 72,196,708 67,596,708 67,596,708
(66,546,708) (66,546,708) (66,546,708) (71,146,708) (66,546,708) (66,546,708)

(133,093,416) (199,640,124) (266,186,832) (337,333,540) (403,880,248) (470,426,956)

Feb Mar Abr May Jun Jul


1,050,000 1,050,000 1,050,000 1,050,000 1,050,000 1,050,000
0 0 0 0 0 0
0 0 0

5,136,000 5,136,000 5,136,000 5,136,000 5,136,000 5,136,000


1,284,000 1,284,000 1,284,000 1,284,000 1,284,000 1,284,000
1,284,000 1,284,000 1,284,000 1,284,000 1,284,000 1,284,000
1,337,500 1,337,500 1,337,500 1,337,500 1,337,500 1,337,500
963,000 963,000 963,000 963,000 963,000 963,000
2,140,000 2,140,000 2,140,000 2,140,000 2,140,000 2,140,000
963,000 963,000 963,000 963,000 963,000 963,000
1,926,000 1,926,000 1,926,000 1,926,000 1,926,000 1,926,000
1,498,000 1,498,000 1,498,000 1,498,000 1,498,000 1,498,000
6,467,580.00 6,467,580.00 6,467,580.00 6,467,580.00 6,467,580.00 6,467,580.00
4,014,360.00 4,014,360.00 4,014,360.00 4,014,360.00 4,014,360.00 4,014,360.00
1,115,100.00 1,115,100.00 1,115,100.00 1,115,100.00 1,115,100.00 1,115,100.00
5,871,798.00 5,871,798.00 5,871,798.00 5,871,798.00 5,871,798.00 5,871,798.00
1,236,168.00 1,236,168.00 1,236,168.00 1,236,168.00 1,236,168.00 1,236,168.00
4,532,616.00 4,532,616.00 4,532,616.00 4,532,616.00 4,532,616.00 4,532,616.00
1,236,168.00 1,236,168.00 1,236,168.00 1,236,168.00 1,236,168.00 1,236,168.00
2,601,900.00 2,601,900.00 2,601,900.00 2,601,900.00 2,601,900.00 2,601,900.00
1,352,988.00 1,352,988.00 1,352,988.00 1,352,988.00 1,352,988.00 1,352,988.00
2,497,824.00 2,497,824.00 2,497,824.00 2,497,824.00 2,497,824.00 2,497,824.00
2,445,786.00 2,445,786.00 2,445,786.00 2,445,786.00 2,445,786.00 2,445,786.00
9,991,296.00 9,991,296.00 9,991,296.00 9,991,296.00 9,991,296.00 9,991,296.00
7,701,624.00 7,701,624.00 7,701,624.00 7,701,624.00 7,701,624.00 7,701,624.00
4,600,000
al

Ago Sep Oct Nov Dic


1,050,000 1,050,000 1,050,000 1,050,000 1,050,000
67,596,708 67,596,708 67,596,708 67,596,708 ###
(66,546,708) (66,546,708) (66,546,708) (66,546,708) (142,321,708)

(536,973,664) (603,520,372) (670,067,080) (736,613,788) (878,935,496)

Ago Sep Oct Nov Dic


1,050,000 1,050,000 1,050,000 1,050,000 1,050,000
0 0 0 0 0
0 0 0 0 0
75,775,000
5,136,000 5,136,000 5,136,000 5,136,000 5,136,000
1,284,000 1,284,000 1,284,000 1,284,000 1,284,000
1,284,000 1,284,000 1,284,000 1,284,000 1,284,000
1,337,500 1,337,500 1,337,500 1,337,500 1,337,500
963,000 963,000 963,000 963,000 963,000
2,140,000 2,140,000 2,140,000 2,140,000 2,140,000
963,000 963,000 963,000 963,000 963,000
1,926,000 1,926,000 1,926,000 1,926,000 1,926,000
1,498,000 1,498,000 1,498,000 1,498,000 1,498,000
6,467,580.00 6,467,580.00 6,467,580.00 6,467,580.00 6,467,580.00
4,014,360.00 4,014,360.00 4,014,360.00 4,014,360.00 4,014,360.00
1,115,100.00 1,115,100.00 1,115,100.00 1,115,100.00 1,115,100.00
5,871,798.00 5,871,798.00 5,871,798.00 5,871,798.00 5,871,798.00
1,236,168.00 1,236,168.00 1,236,168.00 1,236,168.00 1,236,168.00
4,532,616.00 4,532,616.00 4,532,616.00 4,532,616.00 4,532,616.00
1,236,168.00 1,236,168.00 1,236,168.00 1,236,168.00 1,236,168.00
2,601,900.00 2,601,900.00 2,601,900.00 2,601,900.00 2,601,900.00
1,352,988.00 1,352,988.00 1,352,988.00 1,352,988.00 1,352,988.00
2,497,824.00 2,497,824.00 2,497,824.00 2,497,824.00 2,497,824.00
2,445,786.00 2,445,786.00 2,445,786.00 2,445,786.00 2,445,786.00
9,991,296.00 9,991,296.00 9,991,296.00 9,991,296.00 9,991,296.00
7,701,624.00 7,701,624.00 7,701,624.00 7,701,624.00 7,701,624.00
Totales Promedio
12,600,000 1,050,000
891,535,496 74,294,625
(878,935,496) (73,244,625)

- -

Totales Promedio
12,600,000 1,050,000
3,240,000 270,000
0 0

61,632,000 5,136,000
15,408,000 1,284,000
15,408,000 1,284,000
16,050,000 1,337,500
11,556,000 963,000
25,680,000 2,140,000
11,556,000 963,000
23,112,000 1,926,000
17,976,000 1,498,000
77,610,960 6,467,580
48,172,320 4,014,360
13,381,200 1,115,100
70,461,576 5,871,798
14,834,016 1,236,168
54,391,392 4,532,616
14,834,016 1,236,168
31,222,800 2,601,900
16,235,856 1,352,988
29,973,888 2,497,824
29,349,432 2,445,786
119,895,552 9,991,296
92,419,488 7,701,624
Desviació
Desviación del Totales Ene
presupuesto Diferencia de ingresos (Ingresos reales-estimados) 0
anual 2016 Diferencia de gastos (Gastos reales-previstos) -388,692
Desviación del presupuesto anual
Feb Mar Abr May Jun Jul Ago Sep
0 0 0 0 0 0 0 0
-388,692 -388,692 -388,692 -388,692 -388,692 -388,692 -388,692 -388,692
Oct Nov Dic Totales Promedio
0 0 0 0 0
-388,692 -388,692 ### ### ###
SUELDOS 2015 INCREMENTO 7% 2016 SUELDO 2016
Gerente $ 4,800,000.00 336000 $ 5,136,000.00
Analista de credito $ 1,200,000.00 84000 $ 1,284,000.00
Analista de credito $ 1,200,000.00 84000 $ 1,284,000.00
Auxiliar contable $ 1,250,000.00 87500 $ 1,337,500.00
Mensajero $ 900,000.00 63000 $ 963,000.00
Contador 1/2 Tiem $ 2,000,000.00 140000 $ 2,140,000.00
Ser gnral $ 900,000.00 63000 $ 963,000.00
Rev fiscal $ 1,800,000.00 126000 $ 1,926,000.00
Secretaria $ 1,400,000.00 98000 $ 1,498,000.00
2015 % INCREMENTO2016 GTOS PRESUPUESTA VARIACION GTOS
Asamblea $ 5,800,000.00 359600 $ 6,159,600.00
Papeleria $ 3,600,000.00 223200 $ 3,823,200.00
Fotocopia $ 1,000,000.00 62000 $ 1,062,000.00
Mantenimiento $ 5,700,000.00 353400 $ 6,053,400.00
Corte y cable $ 1,200,000.00 74400 $ 1,274,400.00
Publicidad $ 4,400,000.00 272800 $ 4,672,800.00
Cafeteria $ 1,200,000.00 74400 $ 1,274,400.00
Transporte $ 2,500,000.00 155000 $ 2,655,000.00
Utiles de aseo $ 1,300,000.00 80600 $ 1,380,600.00
Varios $ 2,400,000.00 148800 $ 2,548,800.00
Bancario $ 2,350,000.00 145700 $ 2,495,700.00
Arrendamiento $ 9,600,000.00 595200 $ 10,195,200.00
Servicios publicos $ 7,400,000.00 458800 $ 7,858,800.00
% VARIACION
6,467,580.00 105%
4,014,360.00 105%
1,115,100.00 105%
5,871,798.00 97%
1,236,168.00 97%
4,532,616.00 97%
1,236,168.00 97%
2,601,900.00 98%
1,352,988.00 98%
2,497,824.00 98%
2,445,786.00 98%
9,991,296.00 98%
7,701,624.00 98%
Monto del crédito: $10,825,000.00 # Pago Pago Interés Pago Capital
Tasa de interés (anual): 30% 1 $270,625.00 $784,673.15
Número de pagos (mensuales): 12 2 $251,008.17 $804,289.98
Pago (mensual): $1,055,298.15 3 $230,900.92 $824,397.23
4 $210,290.99 $845,007.16
5 $189,165.81 $866,132.34
6 $167,512.50 $887,785.65
7 $145,317.86 $909,980.29
8 $122,568.36 $932,729.79
9 $99,250.11 $956,048.04
10 $75,348.91 $979,949.24
11 $50,850.18 $1,004,447.97
12 $25,738.98 $1,029,559.17
$1,838,577.80 $10,825,000.00
Saldo
$10,040,326.85
$9,236,036.87
$8,411,639.64
$7,566,632.49
$6,700,500.15
$5,812,714.50
$4,902,734.22
$3,970,004.42
$3,013,956.38
$2,034,007.14
$1,029,559.17
$0.00
$1,838,577.80 ###
### ###
###
Estado de Cartera y p
PRESTAMO 7 NUEVOSASOCIADOS 50% CDT
Corte ###
Cliente Factura Fecha Valor Abonos
Rafael 1-Dec-16 $ 10,825,000 $ 1,055,298
Rinauldo 2-Dec-16 $ 10,825,000 $ 1,055,298
Lopez 3-Dec-16 $ 10,825,000 $ 1,055,298
Gutierrez 4-Dec-16 $ 10,825,000 $ 1,055,298
Rios 5-Dec-16 $ 10,825,000 $ 1,055,298
Más 6-Dec-16 $ 10,825,000 $ 1,055,298
Urquiaga 7-Dec-16 $ 10,825,000 $ 1,055,298

TOTALES ### ###

TOTAL CARTERA
PROVISION DE CARTERA 90 DIAS 5% 5%
PROVISION DE CARTERA 180 DIAS 10% 10%
PROVISION DE CARTERA 360 DIAS 15% 15%
PROVISION DE CARTERA + 360 DIAS 15 15%
TOTAL PROVISION
do de Cartera y provisión

Saldo Días de mora 1 A 30 DIAS 31 A 60 DIAS


61 A 90 DIAS
91 A 180 DIAS
181 A 360 DIAS
$ 9,769,702 30 $ 9,769,701.85 $ - $ - $ - $ -
$ 9,769,702 30 $ 9,769,701.85 $ - $ - $ - $ -
$ 9,769,702 30 $ 9,769,701.85 $ - $ - $ - $ -
$ 9,769,702 30 $ 9,769,701.85 $ - $ - $ - $ -
$ 9,769,702 30 $ 9,769,701.85 $ - $ - $ - $ -
$ 9,769,702 30 $ 9,769,701.85 $ - $ - $ - $ -
$ 9,769,702 30 $ 9,769,701.85 $ - $ - $ - $ -

### ### $ - $ - $ - $ -

$68,387,912.95 $0.00 $0.00 $0.00 $0.00


$0.00
$0.00
$0.00

$0.00
MAS DE 360 DIAS
$ -
$ -
$ -
$ -
$ -
$ -
$ -

$ -

$0.00

$0.00

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