Nominal faiz oran\u0131 ve d\u00f6nemsel bile\u015fikle\u015fme say\u0131s\u0131 kullan\u0131larak y\u0131ll\u0131k etkili faiz oran\u0131n\u0131 hesaplamak hem finansal analizlerde hem de ki\u015fisel finans planlamas\u0131nda \u00f6nemli bir ad\u0131md\u0131r. Bu yaz\u0131m\u0131zda, Microsoft Excel ve Google E-Tablolar’\u0131n sundu\u011fu EFFECT<\/strong> fonksiyonunun nas\u0131l kullan\u0131ld\u0131\u011f\u0131n\u0131, \u00f6rneklerle birlikte a\u00e7\u0131klayaca\u011f\u0131z.<\/p>\n EFFECT<\/strong> fonksiyonu, nominal faiz oran\u0131 ve y\u0131lda ger\u00e7ekle\u015fen bile\u015fikle\u015fme say\u0131s\u0131n\u0131 (d\u00f6nem say\u0131s\u0131) alarak y\u0131ll\u0131k etkili faiz oran\u0131n\u0131 hesaplar. \u0130\u015flevin genel s\u00f6z dizimi \u015fu \u015fekildedir: <\/p>\n Ki\u015fisel kredi kartlar\u0131 ve yat\u0131r\u0131m hesaplar\u0131 i\u00e7in y\u0131ll\u0131k etkili faiz oran\u0131n\u0131 hesaplama i\u015flemine bir \u00f6rnek verelim. Diyelim ki, kredi kart\u0131n\u0131z\u0131n nominal faiz oran\u0131 y\u0131ll\u0131k %24 ve faiz ayl\u0131k bile\u015fik olarak uygulan\u0131yor. Buna g\u00f6re etkili faiz oran\u0131n\u0131 \u015fu \u015fekilde hesaplayabiliriz: <\/p>\n Bu \u00f6rnekte, Bir yat\u0131r\u0131mc\u0131n\u0131n, ayda bir faizin bile\u015fikle\u015fti\u011fi bir birikim hesab\u0131 oldu\u011funu ve nominal faiz oran\u0131n\u0131n da %6 oldu\u011funu d\u00fc\u015f\u00fcnelim. Bu hesab\u0131n y\u0131ll\u0131k etkili faiz oran\u0131 \u015fu \u015fekilde hesaplanabilir: <\/p>\n Bu hesaplamada, EFFECT<\/strong> fonksiyonu, yat\u0131r\u0131m\u0131n ger\u00e7ek getirisini anlaman\u0131za ve farkl\u0131 finans se\u00e7eneklerini kar\u015f\u0131la\u015ft\u0131rman\u0131za olanak sa\u011flar. Ancak, kullan\u0131rken nominal faiz oran\u0131 ve bile\u015fikle\u015fme say\u0131s\u0131n\u0131n do\u011fru girildi\u011finden emin olun \u00e7\u00fcnk\u00fc bu de\u011ferler hesaplaman\u0131n do\u011frulu\u011funu direkt olarak etkiler. Faizin bile\u015fikle\u015fme s\u0131kl\u0131\u011f\u0131 artt\u0131k\u00e7a, etkili faiz oran\u0131 da genellikle artar, bu y\u00fczden farkl\u0131 finansal \u00fcr\u00fcnleri de\u011ferlendirirken bu hususu g\u00f6z \u00f6n\u00fcnde bulundurun.<\/p>\n","protected":false},"excerpt":{"rendered":" Efektif y\u0131ll\u0131k faiz oran\u0131n\u0131 verir<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[578],"tags":[],"class_list":["post-15388","post","type-post","status-publish","format-standard","hentry","category-finansal"],"acf":[],"yoast_head":"\n\u0130\u015flevin S\u00f6zdizimi ve Kullan\u0131m\u0131<\/h2>\n
EFFECT(nominal_rate, npery)<\/code><\/pre>\n\n
nominal_rate<\/code>: Y\u0131ll\u0131k nominal faiz oran\u0131d\u0131r ve 0 ile 1 aras\u0131nda bir de\u011fer olarak girilmelidir (\u00f6rne\u011fin, %5 i\u00e7in 0.05).<\/li>\nnpery<\/code>: Y\u0131lda faizin bile\u015fikle\u015fme say\u0131s\u0131d\u0131r. Bu de\u011fer, y\u0131lda bir, ayda bir gibi farkl\u0131 bile\u015fikle\u015fme d\u00fczenine sahip hesaplamalarda kullan\u0131l\u0131r.<\/li>\n<\/ul>\nPratik Uygulamalar<\/h2>\n
Y\u0131ll\u0131k Etkili Faiz Oran\u0131n\u0131n Hesaplanmas\u0131<\/h3>\n
=EFFECT(0.24, 12)<\/code><\/pre>\n0.24<\/code> nominal y\u0131ll\u0131k faiz oran\u0131n\u0131 ve 12<\/code> ayl\u0131k bile\u015fikle\u015fme say\u0131s\u0131n\u0131 ifade eder.<\/p>\nBirikim Hesab\u0131 i\u00e7in Etkili Faiz Oran\u0131 Hesaplamas\u0131<\/h3>\n
=EFFECT(0.06, 12)<\/code><\/pre>\n0.06<\/code> nominal faiz oran\u0131 ve 12<\/code> ayl\u0131k bile\u015fikle\u015fme say\u0131s\u0131 kullan\u0131lm\u0131\u015ft\u0131r.<\/p>\nSon Notlar ve \u00d6neriler<\/h2>\n