{"id":1132,"date":"2025-11-27T10:00:34","date_gmt":"2025-11-27T10:00:34","guid":{"rendered":"https:\/\/www.youngbusinesstalents.com\/es\/?p=1132"},"modified":"2025-11-20T10:40:26","modified_gmt":"2025-11-20T10:40:26","slug":"prestamos-y-ton","status":"publish","type":"post","link":"https:\/\/www.youngbusinesstalents.com\/es\/prestamos-y-ton","title":{"rendered":"Pr\u00e9stamos y TON"},"content":{"rendered":"<p>Cada a\u00f1o virtual, al preparar vuestro plan, deb\u00e9is calcular la Tesorer\u00eda Operativa Necesaria (TON) y compararla con la tesorer\u00eda que ten\u00e9is al comienzo de ese a\u00f1o.<\/p>\n<p>La TON es la suma de las siguientes inversiones y gastos:<\/p>\n<ul>\n<li>El 80% de las inversiones en inmovilizado (capacidad productiva).<\/li>\n<li>El 50% de los gastos en publicidad, delegaciones, la parte fija de los sueldos de comerciales, gastos de estructura y investigaciones de mercado.<\/li>\n<li>El 5% de los costes de producci\u00f3n.<\/li>\n<\/ul>\n<p>La tesorer\u00eda a comienzo del a\u00f1o es:<\/p>\n<p style=\"text-align: center;\">La tesorer\u00eda de final del a\u00f1o anterior\u00a0(aparece en el balance del a\u00f1o anterior)<\/p>\n<p style=\"text-align: center;\">&#8211; la provisi\u00f3n de fondos para pagar pr\u00e9stamos pendientes<\/p>\n<p style=\"text-align: center;\">+ cualquier inversi\u00f3n financiera realizada el a\u00f1o anterior<\/p>\n<hr \/>\n<p style=\"text-align: center;\">Tesorer\u00eda a comienzo del a\u00f1o<\/p>\n<p>&nbsp;<\/p>\n<p>Si la TON es superior a la tesorer\u00eda, deber\u00e9is pedir un pr\u00e9stamo para hacer frente a los gastos\/inversiones previstas.<\/p>\n<p>Si tu equipo se equivoca en los c\u00e1lculos, o no solicita un pr\u00e9stamo cuando debe hacerlo, el simulador os pedir\u00e1 autom\u00e1ticamente la cantidad necesaria. Por ello, habr\u00e1 casos en los que a tu equipo le aparecer\u00e1 un pr\u00e9stamo superior al que inicialmente hab\u00edais solicitado.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cada a\u00f1o virtual, al preparar vuestro plan, deb\u00e9is calcular la Tesorer\u00eda Operativa Necesaria (TON) y compararla con la tesorer\u00eda que ten\u00e9is al comienzo de ese a\u00f1o. La TON es la suma de las siguientes inversiones y gastos: El 80% de las inversiones en inmovilizado (capacidad productiva). El 50% de los gastos en publicidad, delegaciones, la [&#8230;]\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1132","post","type-post","status-publish","format-standard","hentry","category-avisos"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pr\u00e9stamos y TON - Young Business Talents Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"Participa en el Business Game que te permitir\u00e1 gestionar una empresa gracias al uso de avanzados simuladores empresariales.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.youngbusinesstalents.com\/es\/prestamos-y-ton\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pr\u00e9stamos y TON - 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