1. Qualification of no presented. It corresponds to the student, when only it participate of activities of evaluation that have an inferior weighting to 20% on the final qualification, with independence of the qualification reached.

2. First
chance. The evaluation criteria previously mentioned in this section will be
applied: two tests throughout the semester and a third on the date of the
official exam.

3. Second chance. There will be a single exam that includes the entire syllabus and will account for 100% of the final grade for this opportunity. The marks obtained in the tests carried out to qualify for the first opportunity will not be taken into account in any case to qualify for this second opportunity.

4. Advance call. A mixed test will be carried out aimed at evaluating all the competences and contents of the subject. The result obtained in this test will account for100% of the final grade obtained by the student.

5. Students with recognition of dedication part time and dispenses academician of exemption of assistance. The evaluation of these students will govern by the same criteria applied to the rest of the students. For the realisation of the proofs of brief answer will have to put in communication with his professors to beginning of the academic course with the end to agree a compatible specific calendar with his dedication

6. On conditions of final evaluation. The only utensils with which is allowed the access to the enclosure of the proof are the basic to answer to the examination: pencil, pen or feather, rubber to erase and electronic calculator no programmable. It is on purpose forbidden the access to the enclosure of the examination with: to) mobile telephones and any one other able devices of communication to distance and/or of storage of information; b)aim, annotations, books or similar material that was not authorised on purpose in the announcement of the examination or in the web page (Moodle) of the matter. The no observance of this norm supposes that it consider made the proof in fraud and this with independence that the one who have in the enclosure of the proof such devicesor distinguished material used them or no in the course of this.

7. Identification of the student. The student has to accredit his personality in accordance with the valid rule.

8. Other observations of evaluation. The no made proofs mark like zero. The made in fraud suppose the qualification of zero points in the announcement remaining invalidated any qualification that the student had been able to obtain during the course by means of the realisation of the activitiesof evaluation.

The criteria of punctuation of each one of the proofs will give to know in the moment of the proofand will supply together with the billed of this.

Learning outcomes	Study programme competences
Use the appropriate computer tools to achieve more efficiency in the calculations necessary in the previous sections.	A9 A11		C6
Be able to value financial income as well as identify in which economic-financial operations and for what such values ??must be applied.	A5 A6 A8 A9 A11		C8
Know the principles that govern the operation of financial laws used in practice, along with their application to specific financial operations.	A1 A2 A8 A9 A11		C4 C5
Know and identify the concept of financial operation, as well as its components, costs and returns. Know how to use these concepts in specific financial operations and, particularly, in the concepts of APR and Amortized Cost.	A3 A4 A8 A9 A11		C1
Know, value and develop loan operations, both from the point of view of the lender and the borrower.	A8 A9 A11 A12		C7
Know how to apply the knowledge to your work in a professional way and possess the competences that are usually demonstrated through the preparation and defense of arguments and the resolution of problems within your area of work. - Know how to collect and interpret relevant data (usually within their area of study) to issue judgments that include a reflection on relevant issues of a social, scientific or ethical nature - Transmit information, ideas, problems and solutions to a specialized and non-specialized audience -Develop learning skills necessary to undertake further studies with a high degree of autonomy -Know how to perform management, advisory and evaluation tasks in business organizations - Know how to manage the concepts and techniques used in the different functional areas of the company, as well as understand the relationships that exist between them and with the general objectives of the organization. - Know how to make decisions, and, in general, assume managerial tasks.		B1 B2 B3 B4 B5
Know how to identify and anticipate opportunities, allocate resources, organize information, select and motivate people, make decisions in uncertainty, achieve the proposed objectives and evaluate results. - Respect the fundamental rights and equality between men and women, respect the promotion of Human Rights and the principles of equal opportunities, non-discrimination and universal accessibility for people with disabilities.		B6 B7 B8 B9 B10

Topic	Sub-topic
Finance laws. General concepts	1. Concept of economic good. 2. Economic activity and financial activity. 3. Concept of financial capital and graphic representation. 4. Financial projection: concept and classes. 5. Financial laws: concept, characteristics and properties.
Financial laws used in practice.	1. Simple and compound capitalization. 2. Simple commercial and rational or mathematical discount. Commercial and rational compound discount. 3. Continuous capitalization. 4. Equivalent interest rates.
Financial operations	1. Concept, classes and components. Financial balance. 2. Mathematical reserve or financial balance. Concept and methods of determination. 3. Actual costs and returns. 4. Practical applications. The APR concept. The effective cost and performance in the valuation rules of the General Accounting Plan. The Amortized Cost table according to the valuation rules of the General Accounting Plan. 5. Financial sum and unified capital.
Income valuation	1. Concept, components and classes of income. 2. Valuation of income. General method and particular cases. 3. Practical applications. Obtaining the Net Present Value or Capital Value of an investment. Capital formation.
Loan operations	1. Concept of loan. Typology of loans. 2. The financial balance in loan operations. 3. Amortization tables. Concept, classes and obtaining these according to the different typologies. 4. Financial value of a loan. 5. Commercial characteristics of the loans: the lack and early repayment. 6. The calculation of the effective cost for the lender, of the yield for the lender and of the APR and the CER second regulation of the Bank of Spain.

Methodologies / tests	Competencies	Ordinary class hours	Student’s personal work hours	Total hours
Mixed objective/subjective test	A5 A6 A8 A11 B2 B3	2	11	13
Short answer questions	A5 A6 A8 B2 B3 B4 B5	2	6	8
Problem solving	A8 A11 B1 B2 B3	25	50	75
Seminar	A3 A4 A8 A9 A11 B3 C6	3	6	9
Guest lecture / keynote speech	A1 A2 A5 A6 A8 A11 A12 B6 B7 B8 B9 B10 C1 C4 C5 C6 C7 C8	14	30	44

Personalized attention		1	0	1

(*)The information in the planning table is for guidance only and does not take into account the heterogeneity of the students.

Methodologies	Description
Mixed objective/subjective test	. A theoretical-practical exam consists of two contents of the subject, with short questions, questions to be developed, questions about practical subjects, test-type questions (true / false), multiple-choice questions or a combination of two types mentioned. 2. Or it can be oral or written. If nothing to the contrary is published on the web page of the subject (Moodle) 48 hours in advance, or it will be written. 3. Celebrate nas data, hours and classrooms that or Dean set officially.
Short answer questions	1. They consist of an exam on a part of the subject and can be short answers, test type (true / false), multiple choice, questions to develop and questions about practical cases or a combination of them. 2. The exam can be oral or written. If nothing to the contrary is said in the call for the test in Moodle, the exam will be written. Its duration is between 20 and 60 minutes. 3. The group can be subdivided to carry out the tests into as many subgroups as the teacher of the subject deems appropriate.
Problem solving	1. Presentation and solution of practical examples about the theoretical contents. 2. The practices and examples are interspersed with the theoretical contents in order to facilitate the understanding of the subject. 3. In the solution of the practical examples the student can intervene: a) the own initiative, after asking for a word b) on the initiative of the teacher, who will expressly request the intervention of the student. 4. Exercises to be carried out by the student during non-contact hours or autonomous work will be formulated. In subsequent face-to-face hours, a review of the exercises in which the student can intervene will be carried out and the corresponding series of questions will be opened in order to clarify those aspects that the student formulates about the content of these.
Seminar	It is a total of 4 additional hours of teaching to be taught throughout the semester in small groups of students. They will be carried out in three 80-minute sessions in the months of October, November and December respectively through Microsoft Teams or in person and outside the usual class hours on the date and time agreed with the teacher. The objectives of the seminar are: a) Discuss with the student any theoretical doubt about the part of the subject explained up to that moment b) Resolution of exercises of the part of matter explained up to that moment.
Guest lecture / keynote speech	Master Session 1. Presentation in face-to-face classes of the theoretical and practical contents of the subject in order to guide the student in his preparation. 2. The time dedicated to each of the chapters into which the subject is divided will be proportional to the degree of difficulty in the preparation of these and their length, so that the same time will not be dedicated to each of the chapters, but that will delve deeper into some than others. All this, in the opinion of the teacher who teaches the subject. 3. For the preparation of the chapters with the least difficulty in understanding, the student could be referred to the bibliography, although in this case, in-person classes will be guided about: a) what specific sources are recommended to use b) what aspects are the most relevant and of greatest interest in order to achieve the learning outcomes established for the subject.

Methodologies	Competencies	Description	Qualification
Mixed objective/subjective test	A5 A6 A8 A11 B2 B3	1. This is a single test for each of the evaluation opportunities of the call. 2. At the first opportunity, an examination of items 4 and 5 of the program will be carried out, which will account for 55% of the final evaluation grade. In the second opportunity, an exam of the total subject will be carried out and it supposes 100% of the evaluation note. 3. These tests will be carried out on the official dates following the criteria set forth in the methodologies.	55
Short answer questions	A5 A6 A8 B2 B3 B4 B5	1.Two tests throughout the semester. 2. The first includes items 1 and 2 and accounts for 25% of the grade in the final evaluation of the first opportunity, the second includes item 3 and accounts for 20% of the final evaluation grade in the first opportunity. 3. They consist of an exam following the criteria set out in methodologies	45

Assessment comments
1. Qualification of no presented. It corresponds to the student, when only it participate of activities of evaluation that have an inferior weighting to 20% on the final qualification, with independence of the qualification reached. 2. First chance. The evaluation criteria previously mentioned in this section will be applied: two tests throughout the semester and a third on the date of the official exam. 3. Second chance. There will be a single exam that includes the entire syllabus and will account for 100% of the final grade for this opportunity. The marks obtained in the tests carried out to qualify for the first opportunity will not be taken into account in any case to qualify for this second opportunity. 4. Advance call. A mixed test will be carried out aimed at evaluating all the competences and contents of the subject. The result obtained in this test will account for100% of the final grade obtained by the student. 5. Students with recognition of dedication part time and dispenses academician of exemption of assistance. The evaluation of these students will govern by the same criteria applied to the rest of the students. For the realisation of the proofs of brief answer will have to put in communication with his professors to beginning of the academic course with the end to agree a compatible specific calendar with his dedication 6. On conditions of final evaluation. The only utensils with which is allowed the access to the enclosure of the proof are the basic to answer to the examination: pencil, pen or feather, rubber to erase and electronic calculator no programmable. It is on purpose forbidden the access to the enclosure of the examination with: to) mobile telephones and any one other able devices of communication to distance and/or of storage of information; b)aim, annotations, books or similar material that was not authorised on purpose in the announcement of the examination or in the web page (Moodle) of the matter. The no observance of this norm supposes that it consider made the proof in fraud and this with independence that the one who have in the enclosure of the proof such devicesor distinguished material used them or no in the course of this. 7. Identification of the student. The student has to accredit his personality in accordance with the valid rule. 8. Other observations of evaluation. The no made proofs mark like zero. The made in fraud suppose the qualification of zero points in the announcement remaining invalidated any qualification that the student had been able to obtain during the course by means of the realisation of the activitiesof evaluation. The criteria of punctuation of each one of the proofs will give to know in the moment of the proofand will supply together with the billed of this.

Basic	Aguiar Maragoto, F. J. y Martínez Fernández, P. (2009). Apuntes de Análisis de las operaciones financieras. J. Enríquez Díaz y R. Pesqueira Sanchez (2020). Matemáticas financieras. Teoría y práctica. Santiago. Andavira Joaquín Enríquez Díaz (2018). Matemáticas financieras: a través de supuestos prácticos. A Coruña Repronor SL
	BIBLIOGRAFÍA ELECTRÓNICA: Ramón Pintado, T. María del Carmen Lozano Gutiérrez y Ramón Llorens, M. C. (2015). Matemáticas de las operaciones financieras. Universidad Politécnica de Cartagena. https://elibro-net.accedys.udc.es/es/lc/bibliotecaudc/titulos/44000 Tomás, N. (2015). Operaciones financieras en diversos escenarios. Ediciones UNL. https://elibro-net.accedys.udc.es/es/lc/bibliotecaudc/titulos/78509 Montero Espinosa Curso de matemáticas financieras https://www.youtube.com/channel/UCiSbnw9sZjvuxbp1s3zeIrQ David Moreno Muñoz, María Gutiérrez Urtiaga Ramón Pintado, T. María del Carmen Lozano Gutiérrez y Ramón Llorens, M. C. (2015). Matemáticas de las operaciones financieras. Universidad Politécnica de Cartagena. https://elibro-net.accedys.udc.es/es/lc/bibliotecaudc/titulos/44000 Giménez Morera, A. Soler Orts, L. y Pascual Plá, B. (2016). Aplicación práctica de las matemáticas de operaciones financieras y la contabilidad. Editorial de la Universidad Politécnica de Valencia. https://elibro-net.accedys.udc.es/es/ereader/bibliotecaudc/57422 Ramón Pintado, T. Lozano Gutiérrez, M. C. y Ramón Llorens, M. C. (2016). Ejercicios resueltos: matemática de las operaciones financieras. Conceptos básicos. Universidad Politécnica de Cartagena. https://elibro-net.accedys.udc.es/es/ereader/bibliotecaudc/44005 Andrade López, J. C. (2017). Ejercicios resueltos de matemáticas financieras. Ecoe Ediciones. https://elibro-net.accedys.udc.es/es/ereader/bibliotecaudc/70494?page=15 BIBLIOGRAFÍA ELECTRÓNICA (INGLÉS): Lozano Gutiérrez, M. C. y Ramón Llorens, M. C. (2017). Financial mathematics: fundamental concepts. Universidad Politécnica de Cartagena. https://elibro-net.accedys.udc.es/es/ereader/bibliotecaudc/44010
Complementary	Bravo Monroy, R. (2004). 4 Matemáticas financieras. Teoría y ejercicios. Editorial Centro de Estudios Ramón Areces González Velasco, M. del C. (2007). Contabilidad Madrid. Editorial Ra-Ma Libro Subir González Velasco, M. del C. 2007 Análisis de las operaciones financieras (Core Syllabus for Actuarial Training in Europe). Pamplona. Editorial Aranzadi, S.A. Bonilla Musoles, M., Ivars Escortell, A. y Moya Clemente, I. (2006). Matemática de la operaciones financieras. Teoría y práctica. Madrid. Ed. Thomson Pallerola Comamala, J. (2008). Matemática financiera para el nuevo Plan General de Contabilidad. Madrid. Editorial Ra-Ma Cabello González, J. M. (2006). Valoración financiera. Teoría y práctica con Excel. Madrid. Delta Publicaciones
	The reference text for following the course is the book by Aguiar Maragoto and Martinez Fernández. The electronic address to access it is provided to the student on the day of the presentation of the subject. The rest of the recommended material is accessible virtually or in the faculty library.