| 1 | |
| 00:00:20,650 --> 00:00:25,490 | |
| بسم الله الرحمن الرحيم بال .. بالمحاضرة الفاتة كنا | |
| 2 | |
| 00:00:25,490 --> 00:00:31,190 | |
| نحكي عن ال factors اللي بتأثر على أسعار الفوائد | |
| 3 | |
| 00:00:31,190 --> 00:00:39,570 | |
| okay؟ و بس أنه احنا بس نذكركم أن ال .. ال R ال .. | |
| 4 | |
| 00:00:39,570 --> 00:00:44,570 | |
| ال .. ال R nominal بتتأثر بال inflation و بتتأثر | |
| 5 | |
| 00:00:44,570 --> 00:00:50,090 | |
| بال taxation و بتتأثر بال holding periodOkay هذا | |
| 6 | |
| 00:00:50,090 --> 00:00:55,050 | |
| المرة الفاتحة حكينا فيه قولنا ال inflation when | |
| 7 | |
| 00:00:55,050 --> 00:01:01,250 | |
| inflation increase R increase increase and when | |
| 8 | |
| 00:01:01,250 --> 00:01:07,670 | |
| tax increase the R also the R should decrease I | |
| 9 | |
| 00:01:07,670 --> 00:01:11,730 | |
| mean the R after tax the holding period | |
| 10 | |
| 00:01:16,300 --> 00:01:19,280 | |
| when the holding period increase, r should | |
| 11 | |
| 00:01:19,280 --> 00:01:24,000 | |
| increase يعني إذا كانت الفترة الزمنية طويلة زي ما | |
| 12 | |
| 00:01:24,000 --> 00:01:28,560 | |
| احنا شوفنا كل ما كان العقد أو الفائدة أعلى وكل ما | |
| 13 | |
| 00:01:28,560 --> 00:01:31,160 | |
| كان ال inflation عالي كل ما كان ال r أعلى هذا | |
| 14 | |
| 00:01:31,160 --> 00:01:40,360 | |
| الكلام اللي احنا حكينا فيه طيب كنا | |
| 15 | |
| 00:01:40,360 --> 00:01:42,580 | |
| احنا نحكي بال real interest rate | |
| 16 | |
| 00:01:46,250 --> 00:01:49,150 | |
| حنشوف طريقة احتساب ال real interest rate if we | |
| 17 | |
| 00:01:49,150 --> 00:01:52,230 | |
| invest less than one year and if we invest more | |
| 18 | |
| 00:01:52,230 --> 00:01:55,590 | |
| than one year يعني إذا إحنا بنستثمر بأقل من سنة أو | |
| 19 | |
| 00:01:55,590 --> 00:02:01,150 | |
| إذا بنستثمر أكتر من سنة okay effective | |
| 20 | |
| 00:02:01,150 --> 00:02:05,350 | |
| annual annual معناها سنوي effective annual return | |
| 21 | |
| 00:02:05,350 --> 00:02:09,690 | |
| يعني إذا كانت إحنا بناخد عائد سنة سنة أو أقل | |
| 22 | |
| 00:02:11,090 --> 00:02:13,690 | |
| percentage increase in fund invested over a one | |
| 23 | |
| 00:02:13,690 --> 00:02:17,770 | |
| year horizon معناه كده انه كل ما احنا بنعيد .. | |
| 24 | |
| 00:02:17,770 --> 00:02:20,230 | |
| بنزيد عدد سنوات الاستثمار كل ما ال interest rate | |
| 25 | |
| 00:02:20,230 --> 00:02:24,790 | |
| بتزيد هذا كنا متفقين عليه زمان او ال .. the last | |
| 26 | |
| 00:02:24,790 --> 00:02:29,250 | |
| meeting effective annual return هذا is stand for | |
| 27 | |
| 00:02:29,250 --> 00:02:34,030 | |
| effective annual return percentage increase يعني | |
| 28 | |
| 00:02:34,030 --> 00:02:37,860 | |
| كل ما زادت الفائدةin funds invested over a one | |
| 29 | |
| 00:02:37,860 --> 00:02:41,320 | |
| year horizon كل ما بيزيد الفترة الزمنية كل ما | |
| 30 | |
| 00:02:41,320 --> 00:02:45,360 | |
| بيزيد العائد اللي احنا بدنايه and I give you | |
| 31 | |
| 00:02:45,360 --> 00:02:49,340 | |
| example last meeting Bonn Bank of Palestine or the | |
| 32 | |
| 00:02:49,340 --> 00:02:53,870 | |
| Islamic Bank give you مرابحة for one yearhe may | |
| 33 | |
| 00:02:53,870 --> 00:02:56,790 | |
| take .. the bank of .. the Islamic bank may take | |
| 34 | |
| 00:02:56,790 --> 00:03:00,890 | |
| six percent if for two years nine percent if for | |
| 35 | |
| 00:03:00,890 --> 00:03:06,190 | |
| three years maybe twelve percent so the .. the | |
| 36 | |
| 00:03:06,190 --> 00:03:08,850 | |
| interest rate is a positive function with the time | |
| 37 | |
| 00:03:08,850 --> 00:03:12,050 | |
| horizon يعني أسعار الفائدة هي positive function | |
| 38 | |
| 00:03:12,050 --> 00:03:16,530 | |
| يعني إلها علاقة إيجابية ب .. بأسعار الفوائد يعني | |
| 39 | |
| 00:03:16,530 --> 00:03:19,170 | |
| كل ما .. أسعار الفوائد .. كل ما الفترات الزمنية | |
| 40 | |
| 00:03:19,170 --> 00:03:22,780 | |
| زادت كل ما سعر الفائدة بزيدطيب how we calculate | |
| 41 | |
| 00:03:22,780 --> 00:03:25,240 | |
| the effective annual return؟ كيف نحسب ال effective | |
| 42 | |
| 00:03:25,240 --> 00:03:29,000 | |
| annual return؟ to calculate the effective annual | |
| 43 | |
| 00:03:29,000 --> 00:03:32,320 | |
| return one plus effective annual return is equal | |
| 44 | |
| 00:03:32,320 --> 00:03:38,380 | |
| one plus risk free time .. time for instance how | |
| 45 | |
| 00:03:38,380 --> 00:03:42,240 | |
| many times per year because we have two equations | |
| 46 | |
| 00:03:42,240 --> 00:03:46,060 | |
| this equations if we invest less than one year إذا | |
| 47 | |
| 00:03:46,060 --> 00:03:50,310 | |
| أحنا بنستثمر بأقل من سنةإذا احنا بنستثمر for | |
| 48 | |
| 00:03:50,310 --> 00:03:57,890 | |
| instance less than one year نستثمر أخر من سنة so | |
| 49 | |
| 00:03:57,890 --> 00:04:03,750 | |
| it is equal one plus r the risk free or any r over | |
| 50 | |
| 00:04:03,750 --> 00:04:12,270 | |
| one divided by T for instance ع سبيل مثل if we | |
| 51 | |
| 00:04:12,270 --> 00:04:18,080 | |
| investfor only three months اذا احنا بنعمل استثمار | |
| 52 | |
| 00:04:18,080 --> 00:04:23,480 | |
| لتلات شهور only three months | |
| 53 | |
| 00:04:23,480 --> 00:04:29,780 | |
| اذا احنا بنستثمر لتلات شهور you | |
| 54 | |
| 00:04:29,780 --> 00:04:32,300 | |
| ask yourself how many times the interest rate is | |
| 55 | |
| 00:04:32,300 --> 00:04:37,060 | |
| calculated in a year كم مرة بتنحسب أسعار الفائدة | |
| 56 | |
| 00:04:37,060 --> 00:04:40,980 | |
| يعني اذا احنا بنحسبها تلات شهور من جولها اللي هو | |
| 57 | |
| 00:04:40,980 --> 00:04:47,050 | |
| تلاتة عاطم عاشرال T ثلاثة على اتناش طب لو احنا | |
| 58 | |
| 00:04:47,050 --> 00:04:54,190 | |
| نحسبها two weeks اسبوعين يعني أخدنا مرابح لمدة | |
| 59 | |
| 00:04:54,190 --> 00:04:58,870 | |
| اسبوعين دائما | |
| 60 | |
| 00:04:58,870 --> 00:05:03,730 | |
| المخصوم و المخصوم عليه لازم يكونوا متشابهين يعني | |
| 61 | |
| 00:05:03,730 --> 00:05:08,930 | |
| مانفعش اقول اتنين على اتناش مانفع لان اتنين بتصير | |
| 62 | |
| 00:05:08,930 --> 00:05:16,480 | |
| شهرين طب اسبوعينع السنة بدنا نحسبها كام؟ اتنين و | |
| 63 | |
| 00:05:16,480 --> 00:05:23,600 | |
| خمسين انتبهوا يعني ال week السنة | |
| 64 | |
| 00:05:23,600 --> 00:05:28,680 | |
| ال year is equal fifty two week or fifty two weeks | |
| 65 | |
| 00:05:28,680 --> 00:05:34,700 | |
| ال year بتساوي twelve months معروف هذا الكلام okay | |
| 66 | |
| 00:05:35,740 --> 00:05:40,720 | |
| ال year بتساوي three six five days و some people | |
| 67 | |
| 00:05:40,720 --> 00:05:44,880 | |
| ممكن يعملوا three sixty يعني على تلت مية و خمس و | |
| 68 | |
| 00:05:44,880 --> 00:05:49,940 | |
| ستين ولا تلت مية و ستين واحد three sixty إذا احنا | |
| 69 | |
| 00:05:49,940 --> 00:05:54,380 | |
| أخدنا weekly أخدنا monthly أخدنا daily ممكن يكون | |
| 70 | |
| 00:05:54,380 --> 00:06:00,580 | |
| ال year نحسبها quarterly أكم quarter في السنة four | |
| 71 | |
| 00:06:00,580 --> 00:06:06,300 | |
| four quarterاربع .. اربع سنهار طيب هلو لو احنا | |
| 72 | |
| 00:06:06,300 --> 00:06:14,240 | |
| أخدنا مثال for instance if R is twelve percent R | |
| 73 | |
| 00:06:14,240 --> 00:06:18,980 | |
| is twelve percent R | |
| 74 | |
| 00:06:18,980 --> 00:06:29,760 | |
| is twelve percent and T is three months وال T تلت | |
| 75 | |
| 00:06:29,760 --> 00:06:35,850 | |
| .. تلت شهوريعني احنا if we get for instance مرابحة | |
| 76 | |
| 00:06:35,850 --> 00:06:41,350 | |
| if we get مرابحة for three months and يعني اذا | |
| 77 | |
| 00:06:41,350 --> 00:06:45,690 | |
| أخدنا مرابحة for three months and the interest or | |
| 78 | |
| 00:06:45,690 --> 00:06:52,930 | |
| the مرابحة rate is twelve percent a year calculate | |
| 79 | |
| 00:06:52,930 --> 00:06:55,550 | |
| the effective annual return ده نحسب ال effective | |
| 80 | |
| 00:06:55,550 --> 00:07:01,410 | |
| annual return okayال effective annual return له | |
| 81 | |
| 00:07:01,410 --> 00:07:06,870 | |
| هذا المعنى is equal واحد plus أربعاش في المية طيب | |
| 82 | |
| 00:07:06,870 --> 00:07:10,610 | |
| هل أتمعاش في المية هذه a year أتمعاش في المية | |
| 83 | |
| 00:07:10,610 --> 00:07:15,890 | |
| بالسنة لازم نعملها ايش بال .. احنا عندنا تلات شهور | |
| 84 | |
| 00:07:15,890 --> 00:07:20,930 | |
| وبالتالي نوحدها على كام نقسمها أتمعاش okay لأنه | |
| 85 | |
| 00:07:20,930 --> 00:07:28,680 | |
| شايفين R F في T okayone divided قداش او اللي هو ان | |
| 86 | |
| 00:07:28,680 --> 00:07:38,460 | |
| اكم شهر حنستثمرها تلاتة على اتناش okay فبتصير | |
| 87 | |
| 00:07:38,460 --> 00:07:44,100 | |
| اتناش في المية ع اتناش بتطلع one point oh one over | |
| 88 | |
| 00:07:44,100 --> 00:07:50,560 | |
| تلاتة ع اتناش تلاتة واحد ع تلاتة اربعةيعني بيطلع | |
| 89 | |
| 00:07:50,560 --> 00:07:54,160 | |
| عنكم الجواب بهذا الشكل طبعا انكم بالقلعة الحاسفة | |
| 90 | |
| 00:07:54,160 --> 00:08:01,340 | |
| بتحسبوها؟ في حد ماعرفش استخدم القلعة الحاسفة؟ | |
| 91 | |
| 00:08:01,340 --> 00:08:06,900 | |
| وين القلعة الحاسفة يا عزيزي؟ احسبولي كام تطلع شوف | |
| 92 | |
| 00:08:16,460 --> 00:08:21,040 | |
| 12% ع 12 | |
| 93 | |
| 00:08:21,040 --> 00:08:25,340 | |
| تطلع 1% مظبوط؟ | |
| 94 | |
| 00:08:25,340 --> 00:08:34,080 | |
| 1% و 1 و 1 و 1% مظبوط؟ طب اه ال time ما هو هاي ال | |
| 95 | |
| 00:08:34,080 --> 00:08:37,680 | |
| time ال time اللي هو ال risk free as a function in | |
| 96 | |
| 00:08:37,680 --> 00:08:42,520 | |
| time يعني ال risk free كمعرفة بالناحية الزمن يعني | |
| 97 | |
| 00:08:42,520 --> 00:08:48,240 | |
| 12% احنا بالسنة طب الشهر كام؟عشان نوحد المقامات | |
| 98 | |
| 00:08:48,240 --> 00:08:54,880 | |
| فبتطلع بالشهر اللي هو عندك واحد تمانية في أستراتع | |
| 99 | |
| 00:08:54,880 --> 00:08:59,360 | |
| اتناشت كده بتطلع one | |
| 100 | |
| 00:08:59,360 --> 00:09:03,600 | |
| point zero zero two طبعا بتجيب الواحد بتصير zero | |
| 101 | |
| 00:09:03,600 --> 00:09:04,660 | |
| zero two | |
| 102 | |
| 00:09:09,300 --> 00:09:16,680 | |
| إذا كلامك صحيح كام بتطلع؟ حطيها | |
| 103 | |
| 00:09:16,680 --> 00:09:26,240 | |
| بور تلاتة ع اتناش اه قص ربع كام تطلع؟ طيب okay | |
| 104 | |
| 00:09:26,240 --> 00:09:30,160 | |
| ناخد | |
| 105 | |
| 00:09:30,160 --> 00:09:33,160 | |
| مثال تاني عشان تفهموه أكتر ناخد مثال تاني okay | |
| 106 | |
| 00:09:33,160 --> 00:09:36,460 | |
| مثال | |
| 107 | |
| 00:09:36,460 --> 00:09:37,880 | |
| تاني خدوا another example | |
| 108 | |
| 00:09:42,560 --> 00:09:47,720 | |
| ناخد مثال تاني if you take for instance a loan | |
| 109 | |
| 00:09:47,720 --> 00:09:52,300 | |
| from bank of Palestine, loan from bank of | |
| 110 | |
| 00:09:52,300 --> 00:09:59,360 | |
| Palestine for nine months لتسعة | |
| 111 | |
| 00:09:59,360 --> 00:10:03,540 | |
| شهور and the annual interest | |
| 112 | |
| 00:10:11,260 --> 00:10:21,280 | |
| is fifteen percent what is the what is effective | |
| 113 | |
| 00:10:21,280 --> 00:10:29,120 | |
| annual return طيب نحسن effective | |
| 114 | |
| 00:10:29,120 --> 00:10:35,600 | |
| annual return سهل one plus 15% لأن شهرية بنحولها | |
| 115 | |
| 00:10:35,600 --> 00:10:40,800 | |
| شهرية يصيب على 12Okay over تسعة على اتماش that's | |
| 116 | |
| 00:10:40,800 --> 00:10:44,720 | |
| it شوفوا كده هتاخد معاكم بالحال ثانية two seconds | |
| 117 | |
| 00:10:44,720 --> 00:10:48,880 | |
| نضربهم في عشرة هتكون عشرين ثانية يعني نضرب انه | |
| 118 | |
| 00:10:48,880 --> 00:10:53,540 | |
| الفرق بين المدرس للطالب عشر مرات يعني نعتبر | |
| 119 | |
| 00:10:53,540 --> 00:10:58,560 | |
| ثانيتين في عشرة اضربهم في عشرين اربعين ثانية يعني | |
| 120 | |
| 00:10:58,560 --> 00:11:02,540 | |
| it doesn't take that much time لكن المشكلة وين | |
| 121 | |
| 00:11:02,540 --> 00:11:08,260 | |
| المشكلة you practice this only on your examيعني | |
| 122 | |
| 00:11:08,260 --> 00:11:11,060 | |
| انتوا بت .. بتروح بتحلوا الأسئلة بس في الامتحان | |
| 123 | |
| 00:11:11,060 --> 00:11:14,080 | |
| تمام؟ | |
| 124 | |
| 00:11:14,080 --> 00:11:19,000 | |
| عشان احنا نحل مسائل زي هيك حلوا السؤال أول مرة و | |
| 125 | |
| 00:11:19,000 --> 00:11:21,760 | |
| رغم ان انتوا فاهمين روح حلوه كمان مرة ليش احنا .. | |
| 126 | |
| 00:11:21,760 --> 00:11:25,280 | |
| ايش بنا نهدف؟ نهدف انه كل ما نحله كمان مرة كل ما | |
| 127 | |
| 00:11:25,280 --> 00:11:29,710 | |
| نخفض الزمن اللي محتاجينه عشان نحل السؤالاحنا | |
| 128 | |
| 00:11:29,710 --> 00:11:32,090 | |
| متأكدين you understand this ان انتوا فاهمين كلام | |
| 129 | |
| 00:11:32,090 --> 00:11:35,030 | |
| هذا مافيش مشكلة عندنا لكن المشكلة هو يعني when you | |
| 130 | |
| 00:11:35,030 --> 00:11:37,530 | |
| .. you are using your calculator it takes time | |
| 131 | |
| 00:11:37,530 --> 00:11:40,070 | |
| because you don't have that experience in dealing | |
| 132 | |
| 00:11:40,070 --> 00:11:43,830 | |
| with the calculator so in order to overcome this | |
| 133 | |
| 00:11:43,830 --> 00:11:47,790 | |
| problem you have to practice how to use the | |
| 134 | |
| 00:11:47,790 --> 00:11:51,710 | |
| calculator لأنه انا ب .. ب .. لما كنت ألف ع الطلاب | |
| 135 | |
| 00:11:51,710 --> 00:11:55,170 | |
| و الطالبات في الامتحان كان the majority of them | |
| 136 | |
| 00:11:55,170 --> 00:11:59,990 | |
| are struggling in using their calculatorsلما | |
| 137 | |
| 00:11:59,990 --> 00:12:03,370 | |
| أغلبهم كانوا and they are they lost their time | |
| 138 | |
| 00:12:03,370 --> 00:12:08,710 | |
| because of this لأنه ضيع واجد عشان بس خاطر انه how | |
| 139 | |
| 00:12:08,710 --> 00:12:12,470 | |
| to use the calculator so be careful on this point | |
| 140 | |
| 00:12:12,470 --> 00:12:16,810 | |
| zero zero nine طب بعد ما نجيب الواحد اه بعد ما | |
| 141 | |
| 00:12:16,810 --> 00:12:21,270 | |
| نجيب الواحد okay so | |
| 142 | |
| 00:12:21,270 --> 00:12:23,730 | |
| this is the effective annual return okay | |
| 143 | |
| 00:12:29,420 --> 00:12:32,940 | |
| إيش المفهوم العملي؟ المفهوم العملي للناس لما نحكي | |
| 144 | |
| 00:12:32,940 --> 00:12:38,280 | |
| لها الفائدة 9% they know the 9% تبهوا what it | |
| 145 | |
| 00:12:38,280 --> 00:12:42,380 | |
| means from the practical point of view when we are | |
| 146 | |
| 00:12:42,380 --> 00:12:45,180 | |
| telling people the interest rate is 9% they think | |
| 147 | |
| 00:12:45,180 --> 00:12:51,180 | |
| this 9% is for the .. for the مرابحة or for the | |
| 148 | |
| 00:12:51,180 --> 00:12:55,620 | |
| interest and this is nominal this is not realبقى | |
| 149 | |
| 00:12:55,620 --> 00:12:58,500 | |
| if we consider the time frame يعني لما نروحنا | |
| 150 | |
| 00:12:58,500 --> 00:13:02,920 | |
| عالبنك نقوله قداش المرابح على السيارة بنياها | |
| 151 | |
| 00:13:02,920 --> 00:13:07,360 | |
| انتوبوا يا بنات هذا سؤال كويس نقولهم .. نقول للبنك | |
| 152 | |
| 00:13:07,360 --> 00:13:10,180 | |
| قداش المرابح على السيارة هيقولنا المرابح على | |
| 153 | |
| 00:13:10,180 --> 00:13:16,900 | |
| السيارة 6% بقى in reality is not 6% ممكن يكون أكتر | |
| 154 | |
| 00:13:16,900 --> 00:13:21,320 | |
| من 6% okayso we need to calculate the effective | |
| 155 | |
| 00:13:21,320 --> 00:13:24,920 | |
| annual return طبعا ستة في المية سنوية إذا كانت | |
| 156 | |
| 00:13:24,920 --> 00:13:30,080 | |
| أكتر من سنة هتكون أكتر من ستة في المية إذا كانت | |
| 157 | |
| 00:13:30,080 --> 00:13:35,600 | |
| أقل من سنة هتكون الفائد أقل تمام لإن ال bank ميجيش | |
| 158 | |
| 00:13:35,600 --> 00:13:39,620 | |
| يقولك والله بالظبط هيجي يقولك ستة في المية as a | |
| 159 | |
| 00:13:39,620 --> 00:13:44,520 | |
| standard per annum per annum يعني سنويا okay | |
| 160 | |
| 00:13:46,150 --> 00:13:49,410 | |
| فاحنا we need to calculate طيب لما نيجي احكيله | |
| 161 | |
| 00:13:49,410 --> 00:13:53,070 | |
| بدنا و رابح السيارة على مدة سنتين two years okay | |
| 162 | |
| 00:13:53,070 --> 00:13:57,130 | |
| six percent لكن it is not six percent it is around | |
| 163 | |
| 00:13:57,130 --> 00:14:00,250 | |
| eleven to twelve percent لأنه لما احنا بنحسب على | |
| 164 | |
| 00:14:00,250 --> 00:14:03,010 | |
| مدة سنتين so this is why it is important to | |
| 165 | |
| 00:14:03,010 --> 00:14:06,190 | |
| calculate the effective annual return just remind | |
| 166 | |
| 00:14:06,190 --> 00:14:10,990 | |
| our example in when we talk about Coca-ColaOkay, | |
| 167 | |
| 00:14:11,150 --> 00:14:14,110 | |
| so this is why it is important to calculate or to | |
| 168 | |
| 00:14:14,110 --> 00:14:16,930 | |
| estimate the effective annual return. So this | |
| 169 | |
| 00:14:16,930 --> 00:14:22,150 | |
| equation, be careful, this equation is applied if | |
| 170 | |
| 00:14:22,150 --> 00:14:26,430 | |
| we have less than one year, if the timeframe is | |
| 171 | |
| 00:14:26,430 --> 00:14:28,790 | |
| less than one year. If the timeframe is greater | |
| 172 | |
| 00:14:28,790 --> 00:14:32,410 | |
| than one year, so we need to calculate this | |
| 173 | |
| 00:14:32,410 --> 00:14:37,030 | |
| equation. إذا كان أكتر من سنة، هنستخدم هذه ال | |
| 174 | |
| 00:14:37,030 --> 00:14:38,590 | |
| equation. What is the difference? | |
| 175 | |
| 00:14:43,030 --> 00:14:47,850 | |
| إيش الفرق؟ اتطلعوا أنتوا على ال .. على ال annual | |
| 176 | |
| 00:14:47,850 --> 00:14:53,970 | |
| .. ال annual return، so one plus effective annual | |
| 177 | |
| 00:14:53,970 --> 00:15:00,250 | |
| return over power T minus one divided by T، T is | |
| 178 | |
| 00:15:00,250 --> 00:15:03,050 | |
| the time، so T | |
| 179 | |
| 00:15:10,350 --> 00:15:14,030 | |
| T in all cases is the time, the time frame or the | |
| 180 | |
| 00:15:14,030 --> 00:15:17,830 | |
| time horizon okay or the .. the time that you .. | |
| 181 | |
| 00:15:17,830 --> 00:15:20,770 | |
| you invest your money يعني ممكن يكون less than one | |
| 182 | |
| 00:15:20,770 --> 00:15:24,670 | |
| year ممكن يكون more than one year The annual | |
| 183 | |
| 00:15:24,670 --> 00:15:27,690 | |
| average | |
| 184 | |
| 00:15:27,690 --> 00:15:31,390 | |
| return or the annual return طبعا ليش احنا ماحكيناش | |
| 185 | |
| 00:15:31,390 --> 00:15:36,260 | |
| effectivethis is not effective هذا مش effective | |
| 186 | |
| 00:15:36,260 --> 00:15:39,340 | |
| لأنه is greater than one year أكتر من سنة and | |
| 187 | |
| 00:15:39,340 --> 00:15:44,080 | |
| definitely it will be greater than the effective | |
| 188 | |
| 00:15:44,080 --> 00:15:51,100 | |
| فهي ساوي one plus effective annual return times T | |
| 189 | |
| 00:15:51,100 --> 00:15:55,740 | |
| or power T minus one divided by T لو أجينا احنا | |
| 190 | |
| 00:15:55,740 --> 00:16:02,040 | |
| نرجع لمثال المرابحةلو جينا مثال مرابحة لو حكيناكم | |
| 191 | |
| 00:16:02,040 --> 00:16:06,340 | |
| for instance the effective annual return is twelve | |
| 192 | |
| 00:16:06,340 --> 00:16:10,060 | |
| percent twelve | |
| 193 | |
| 00:16:10,060 --> 00:16:16,240 | |
| percent and the مرابحة is for five years المرابح | |
| 194 | |
| 00:16:16,240 --> 00:16:22,680 | |
| لكم؟ ال tea قديش صارت؟ five years okay calculate | |
| 195 | |
| 00:16:27,800 --> 00:16:32,340 | |
| APR احسبوا ال annualized return طبعا ال annualized | |
| 196 | |
| 00:16:32,340 --> 00:16:36,140 | |
| return بيساوي one plus ال effective twelve percent | |
| 197 | |
| 00:16:36,140 --> 00:16:43,840 | |
| okay power five minus one divided by five بس طبعا | |
| 198 | |
| 00:16:43,840 --> 00:16:47,820 | |
| لما نيجي في الامتحان لما نيجي في الامتحان و احنا | |
| 199 | |
| 00:16:47,820 --> 00:16:52,040 | |
| نشوف معادلة زي هذه يعني هيك لو هذا عليه تلات درجات | |
| 200 | |
| 00:16:52,040 --> 00:16:54,780 | |
| اخدتوا علامتين قبل ما انتوا توصلوا للجواب النهائي | |
| 201 | |
| 00:16:59,200 --> 00:17:04,720 | |
| Okay بتطلع كام point one five يعني خمسة .. fifteen | |
| 202 | |
| 00:17:04,720 --> 00:17:11,620 | |
| percent بتطلع الجواب fifteen percent okay طيب if | |
| 203 | |
| 00:17:11,620 --> 00:17:13,400 | |
| they .. خلينا ناخد كمان مثال | |
| 204 | |
| 00:17:18,620 --> 00:17:22,940 | |
| مش شرق، ضخم عادى، يعني لو خلطيها point fifteen، هى | |
| 205 | |
| 00:17:22,940 --> 00:17:32,060 | |
| fifteen percent، اه، انا ايه؟ ال effective، اه، هى | |
| 206 | |
| 00:17:32,060 --> 00:17:39,320 | |
| سنة واحدة، سنة اذا | |
| 207 | |
| 00:17:39,320 --> 00:17:44,420 | |
| كان اقل من سنة، بنفشح العهد، اذا كانت اكثر من سنة، | |
| 208 | |
| 00:17:44,420 --> 00:17:51,220 | |
| طب اذا كانت سنة و اشى؟بدك شوفي جربيها شوف و بعدين | |
| 209 | |
| 00:17:51,220 --> 00:17:58,560 | |
| راجعوني لو كانت تمانتاشر شهر يا بناتي ما هو كيف ده | |
| 210 | |
| 00:17:58,560 --> 00:18:06,580 | |
| أشتغل هل أحط تمانتاشر فاكروا فيها make up في your | |
| 211 | |
| 00:18:06,580 --> 00:18:11,820 | |
| minds ممكن نحسبها واحدة نص او طريقة تانية باعتبرها | |
| 212 | |
| 00:18:11,820 --> 00:18:16,120 | |
| أقل من سنة بعمل تمانتاشر شهرع طمعاش فبتعرف واحد و | |
| 213 | |
| 00:18:16,120 --> 00:18:19,120 | |
| نص على طمعاش .. على .. بكسم الفائد ع طمعاش بطلع | |
| 214 | |
| 00:18:19,120 --> 00:18:23,180 | |
| عند الجواد في عدة طرح للحل يعني ممكن زي ما اتفضلت | |
| 215 | |
| 00:18:23,180 --> 00:18:25,960 | |
| هاي هان انه ا .. واحد و نص على واحد و نص بيمشي | |
| 216 | |
| 00:18:25,960 --> 00:18:30,320 | |
| الحل او اشترى المعادلة التانية 18 ع 12 و اكسم | |
| 217 | |
| 00:18:30,320 --> 00:18:38,820 | |
| الفائد ع 12 وخلصنا الحل okay so be careful تمام؟ | |
| 218 | |
| 00:18:38,820 --> 00:18:45,580 | |
| أي سؤال يا بنات في ال .. الفرق؟حسب ما قالوا البنات | |
| 219 | |
| 00:18:45,580 --> 00:18:51,720 | |
| انا 15% okay؟ | |
| 220 | |
| 00:18:51,720 --> 00:19:00,100 | |
| في حد اللي سؤال؟ any question؟ بنات انا شايف في | |
| 221 | |
| 00:19:00,100 --> 00:19:04,280 | |
| بنات معاهم مش قالات حاسبة يعني بس اربع خمس بنات | |
| 222 | |
| 00:19:04,280 --> 00:19:08,200 | |
| معاهم قالات حاسبة فانا يعني هذا في indicator عندي | |
| 223 | |
| 00:19:08,200 --> 00:19:13,190 | |
| ان انتوا you try these questions in your examإنه | |
| 224 | |
| 00:19:13,190 --> 00:19:18,010 | |
| بتجربوا هذه الأسئلة في الامتحان وبالتالي أنا مش | |
| 225 | |
| 00:19:18,010 --> 00:19:24,130 | |
| عارف it is up to you يعني انا .. يعني زي ما | |
| 226 | |
| 00:19:24,130 --> 00:19:27,110 | |
| بيقولوا المثل يعني you can drive the horse to the | |
| 227 | |
| 00:19:27,110 --> 00:19:30,710 | |
| water but you cannot force him to drink يعني ممكن | |
| 228 | |
| 00:19:30,710 --> 00:19:34,110 | |
| تاخد الحصان للمي بس مابنقدرش نقوله اشرب احنا | |
| 229 | |
| 00:19:34,110 --> 00:19:37,820 | |
| بنفهمكم بس مابنقدرش نقولكم انجحوالأنه انا شايف ال | |
| 230 | |
| 00:19:37,820 --> 00:19:40,380 | |
| majority one, two, three, four, five, six, seven, | |
| 231 | |
| 00:19:40,440 --> 00:19:43,980 | |
| eight, nine, ten, twelve, fourteen, fifteen, | |
| 232 | |
| 00:19:44,140 --> 00:19:47,740 | |
| sixteen about twenty-five students of thirty-five | |
| 233 | |
| 00:19:47,740 --> 00:19:54,040 | |
| they leave their calculators and enjoying in the | |
| 234 | |
| 00:19:54,040 --> 00:19:58,140 | |
| house or houses يعني القلاد الحاسمة مبسوطة في | |
| 235 | |
| 00:19:58,140 --> 00:20:02,060 | |
| البيوت رغم ان انا في التعليمات قلتلكم جيبوا القلاد | |
| 236 | |
| 00:20:02,060 --> 00:20:05,960 | |
| الحاسمة، مظبوط؟ okay it is not my problem then | |
| 237 | |
| 00:20:10,930 --> 00:20:18,190 | |
| انشوف هاي عندكم اللي في البيت ترجع للألحاس بتاعتها | |
| 238 | |
| 00:20:18,190 --> 00:20:21,950 | |
| and they .. and she apply this بتحاول تطبق الكلام | |
| 239 | |
| 00:20:21,950 --> 00:20:26,750 | |
| هذا لإن أنا ممكن أجيب الكتابل and fill this space | |
| 240 | |
| 00:20:26,750 --> 00:20:35,950 | |
| يعني بجيب الكتابل و انتوا عبوا الفرار لازم | |
| 241 | |
| 00:20:35,950 --> 00:20:43,660 | |
| يساووا بعضexactly لازم هنجيب | |
| 242 | |
| 00:20:43,660 --> 00:20:49,380 | |
| أسئلة بتلات أشهر انا مابحبش يعني أخدعكم يعني هجيب | |
| 243 | |
| 00:20:49,380 --> 00:20:52,160 | |
| تلات أشهر و باسبوعين و بشهر و بشهرين و بيوم كمان | |
| 244 | |
| 00:20:52,160 --> 00:20:57,800 | |
| هجيب و هجيب أسئلة تمنتاشر شهر و تسعتاشر شهر لأ | |
| 245 | |
| 00:20:57,800 --> 00:21:02,180 | |
| يعني هو إذا سؤال واحد اتوقعوا واحد من هدول هو سؤال | |
| 246 | |
| 00:21:02,180 --> 00:21:08,600 | |
| واحد إذا أسبوعين يا بنات إذا كانت أسبوعينإذا كانت | |
| 247 | |
| 00:21:08,600 --> 00:21:12,980 | |
| اسبوعين انت تطلع على ال T بنقسم ال T على 52 و | |
| 248 | |
| 00:21:12,980 --> 00:21:23,940 | |
| بنقدر اللي هو عندك اسبوعين على 52 ها دي فهمتي اه | |
| 249 | |
| 00:21:23,940 --> 00:21:30,420 | |
| 360 او 365 يعني بدناش ندخل ليش 360 و ليش 365 | |
| 250 | |
| 00:21:30,420 --> 00:21:36,680 | |
| تنتنصح نعتبرها طيب نتطلع على ال compound rates | |
| 251 | |
| 00:21:37,250 --> 00:21:40,710 | |
| طلعوا على ال table الموجود عندنا طبعا هذا ال table | |
| 252 | |
| 00:21:40,710 --> 00:21:46,430 | |
| اللي احنا طبقناه طبقناه على المعادلات اللي احنا | |
| 253 | |
| 00:21:46,430 --> 00:21:52,850 | |
| أخدناها قبل شوية نشوف إذا كان عندنا سنة واحدة طبعا | |
| 254 | |
| 00:21:52,850 --> 00:21:55,350 | |
| هذا كله انا بتاوم و حكيتلكوا إياها إذا كان عندنا | |
| 255 | |
| 00:21:55,350 --> 00:22:00,690 | |
| سنة فاكرين week و إذا كان سنة twelve months و إذا | |
| 256 | |
| 00:22:00,690 --> 00:22:05,110 | |
| كانت day و إذا كانت quarter طبعا إذا كانت | |
| 257 | |
| 00:22:05,110 --> 00:22:12,550 | |
| continuouscontinuous ايش معناه continuous ايش يعني | |
| 258 | |
| 00:22:12,550 --> 00:22:19,930 | |
| مستمر تقريبا يعني اذا انا لو اجيت و قلتلكم انا احط | |
| 259 | |
| 00:22:19,930 --> 00:22:23,590 | |
| لكم مية دولار و الفائدة بتاعتها تتسبب continuous | |
| 260 | |
| 00:22:23,590 --> 00:22:29,010 | |
| دائما for infinity هنيجي لمعادلة بتاعتها how we | |
| 261 | |
| 00:22:29,010 --> 00:22:34,250 | |
| calculate this هنستخدم المعادلة احنا اشرحكوا إياها | |
| 262 | |
| 00:22:34,250 --> 00:22:42,690 | |
| طيب نتطلع احنا اذا كانت T واحدT1 يعني سنة طبعا | |
| 263 | |
| 00:22:42,690 --> 00:22:52,230 | |
| ال .. ال RF 5.8% okay إذا كانت six months الرقم | |
| 264 | |
| 00:22:52,230 --> 00:22:57,030 | |
| 286 من ورا إجا؟ إذا كانت ست شهور توريس اللي | |
| 265 | |
| 00:22:57,030 --> 00:23:00,370 | |
| خدحناها؟ ست شهور .. ست شهور .. ست شهور .. ست شهور | |
| 266 | |
| 00:23:00,370 --> 00:23:01,290 | |
| .. ست شهور .. ست شهور .. ست شهور .. ست شهور .. ست | |
| 267 | |
| 00:23:01,290 --> 00:23:02,370 | |
| شهور .. ست شهور .. ست شهور .. ست شهور .. ست شهور | |
| 268 | |
| 00:23:02,370 --> 00:23:03,710 | |
| .. ست شهور .. ست شهور .. ست شهور .. ست شهور .. ست | |
| 269 | |
| 00:23:03,710 --> 00:23:06,170 | |
| شهور .. ست شهور .. ست شهور .. ست شهور .. ست شهور | |
| 270 | |
| 00:23:06,170 --> 00:23:06,410 | |
| .. ست شهور .. ست شهور .. ست شهور .. ست شهور .. ست | |
| 271 | |
| 00:23:06,410 --> 00:23:15,690 | |
| شهور .. ست شعلى .. على .. على اتنين جربيها شوف | |
| 272 | |
| 00:23:15,690 --> 00:23:20,370 | |
| جربيها على ال calculator يلا لإن هذا ال table ممكن | |
| 273 | |
| 00:23:20,370 --> 00:23:25,330 | |
| يجيكوا مشابه إلهم الأرقى | |
| 274 | |
| 00:23:25,330 --> 00:23:28,730 | |
| في الفائدة إذا كانت سنة هنحسبها هكذا طب إذا كانت | |
| 275 | |
| 00:23:28,730 --> 00:23:33,690 | |
| ست شهور طبعا | |
| 276 | |
| 00:23:33,690 --> 00:23:39,610 | |
| طيب إذا كانت quarter عايش نجسمهاإيش quarter يعني | |
| 277 | |
| 00:23:39,610 --> 00:23:43,250 | |
| ربع؟ ربع على أربع على أربع هاي بقاطيكوا إياها طب | |
| 278 | |
| 00:23:43,250 --> 00:23:51,030 | |
| جداش تطلع؟ اتأكدوا هنقسم الأساس على أربع أساسي | |
| 279 | |
| 00:23:51,030 --> 00:23:59,630 | |
| هتقسم الأساس طبعا ما شاء الله عليكم مظبوط طيب إذا | |
| 280 | |
| 00:23:59,630 --> 00:24:04,330 | |
| كانت one month شهر ع اتناش كدهش؟ | |
| 281 | |
| 00:24:06,830 --> 00:24:12,670 | |
| مصبوط طيب إذا كانت one week مصبوط | |
| 282 | |
| 00:24:12,670 --> 00:24:17,370 | |
| كم هتطلع؟ | |
| 283 | |
| 00:24:17,370 --> 00:24:24,690 | |
| okay one day طيب إذا نعرف العمود التاني مواضح | |
| 284 | |
| 00:24:24,690 --> 00:24:31,550 | |
| ماعناش مشكلة من وين احنا جبناها الشهر هذا one | |
| 285 | |
| 00:24:31,550 --> 00:24:36,030 | |
| month هنجسمه ع 12 هذي هنجسمها ع 12اللي بتاعة ال | |
| 286 | |
| 00:24:36,030 --> 00:24:40,730 | |
| one year هنجسمها ع 12 طيب | |
| 287 | |
| 00:24:40,730 --> 00:24:46,070 | |
| طيب | |
| 288 | |
| 00:24:46,070 --> 00:24:50,770 | |
| بنا نحسب احنا ال annualized نحسب ال annualized | |
| 289 | |
| 00:24:50,770 --> 00:24:58,330 | |
| بناتنا نحسب ال annualized اللي | |
| 290 | |
| 00:24:58,330 --> 00:25:01,430 | |
| هو اللي اكتوه .. هو اللي نشترك .. المعادلة تبعتنا | |
| 291 | |
| 00:25:01,430 --> 00:25:05,580 | |
| ال annualizedبتلاحظوا ال one year ماتتغيرش لإنه | |
| 292 | |
| 00:25:05,580 --> 00:25:09,260 | |
| احنا standard هذه one year ناخد ال six months | |
| 293 | |
| 00:25:09,260 --> 00:25:22,960 | |
| تعرفوا تحسبوها لحالكم ال six months ال | |
| 294 | |
| 00:25:22,960 --> 00:25:26,500 | |
| six months احسبوها بالمعادلة اللي احنا اعطاناكوا | |
| 295 | |
| 00:25:26,500 --> 00:25:29,860 | |
| إياها المعادلة اللي قلنالكوا فيها اللي هي هذا | |
| 296 | |
| 00:25:31,980 --> 00:25:37,760 | |
| الأولى بالظبط هذه احسبولىها بهذه الطريقة okay | |
| 297 | |
| 00:25:37,760 --> 00:25:44,760 | |
| اعطوك المياه واجب هذه تشوفوها في البيت اه | |
| 298 | |
| 00:25:44,760 --> 00:25:48,960 | |
| هذه | |
| 299 | |
| 00:25:48,960 --> 00:25:52,960 | |
| احسبوها احسبولى هذه ال five seven ال o في five | |
| 300 | |
| 00:25:52,960 --> 00:25:58,350 | |
| seven اذا كانت six months بتطبيق المعادلة هذهيعني | |
| 301 | |
| 00:25:58,350 --> 00:26:04,310 | |
| هنا واحد زائد ال R اللي هو zero five eight طبعا | |
| 302 | |
| 00:26:04,310 --> 00:26:09,110 | |
| هنقسمها على اتناش في المية وهنا نحط ستة على اتناش | |
| 303 | |
| 00:26:09,110 --> 00:26:15,370 | |
| بطلع عن كل جهة طيب | |
| 304 | |
| 00:26:15,370 --> 00:26:23,690 | |
| طيب هلأ إيش هنسوي واحد زائدطيب احنا على الجدول | |
| 305 | |
| 00:26:23,690 --> 00:26:28,330 | |
| احنا حلو واحد زائد او five eight هذي احنا نكسبها | |
| 306 | |
| 00:26:28,330 --> 00:26:36,590 | |
| على اتماشي وهذه ستة على اتماشي بس هذا الجواب و | |
| 307 | |
| 00:26:36,590 --> 00:26:40,150 | |
| الباقي بتشتغلوا نفس الفكرة بس بدل ما احنا اتماشي | |
| 308 | |
| 00:26:40,150 --> 00:26:47,750 | |
| نشوف هل هي أسبوع هل هي سنة هل هي .. | |
| 309 | |
| 00:26:47,750 --> 00:26:51,310 | |
| حاولوا تعملوها في البيت و تجيبوا ليها اللقاء | |
| 310 | |
| 00:26:51,310 --> 00:26:55,520 | |
| الجاهدال effective annual الجواب ال effective | |
| 311 | |
| 00:26:55,520 --> 00:27:07,720 | |
| annual okay اي | |
| 312 | |
| 00:27:07,720 --> 00:27:11,180 | |
| واحد | |
| 313 | |
| 00:27:11,180 --> 00:27:18,320 | |
| اي واحد اه | |
| 314 | |
| 00:27:21,830 --> 00:27:26,790 | |
| واحد point تأكد من هذا الحزب طيب خلّيها عندك هنا | |
| 315 | |
| 00:27:26,790 --> 00:27:30,430 | |
| خلّيها عندكم هذه عملوها واجب homework و جيبوليها | |
| 316 | |
| 00:27:30,430 --> 00:27:36,010 | |
| يوم السبت فمعكم عندكم بال .. احسبوا .. احسبوا بدي | |
| 317 | |
| 00:27:36,010 --> 00:27:40,710 | |
| انا تطلعولي ال .. اعتبروا هذا العمود مش موجود و | |
| 318 | |
| 00:27:40,710 --> 00:27:46,670 | |
| جيبوليها بس هذا المطلوب منكم يعني | |
| 319 | |
| 00:27:46,670 --> 00:27:51,330 | |
| مطلوب منكوا شغلتان بدي ال .. بدي هذا العمود له هذا | |
| 320 | |
| 00:27:52,160 --> 00:27:57,240 | |
| جيبوليا و بدى تجيبولى هذا العمود بس الحل المحلول | |
| 321 | |
| 00:27:57,240 --> 00:28:02,780 | |
| موجود عندكم لكن انتوا حسبوليا على الحاسبة لأنه انا | |
| 322 | |
| 00:28:02,780 --> 00:28:06,500 | |
| شايف اغلب البنات ماعهاش على حاسبة فاللي هيستفيد بس | |
| 323 | |
| 00:28:06,500 --> 00:28:10,920 | |
| مجموعة اربع خمس بنات اللي هيستفيدهم فاروحوا البيت | |
| 324 | |
| 00:28:10,920 --> 00:28:17,620 | |
| و اعملولى calculations ل العمودين هدون تمام؟ شوفوا | |
| 325 | |
| 00:28:17,620 --> 00:28:24,980 | |
| كيف تم الحس بتاعتهمعرفنا أيش واجبكم يعني و | |
| 326 | |
| 00:28:24,980 --> 00:28:29,620 | |
| بتجيبولييا اللقاء الجاي عشان نحلكم اليها طيب okay | |
| 327 | |
| 00:28:29,620 --> 00:28:30,240 | |
| اعطيك العافية | |