Thus, using an interest rate of 10% a year, the future value in 3 years’ time of Lm100 now will be Lm133.10. We can say the same thing the other way round: the present value of Lm133.10 to be received in 3 years’ time is Lm100.
Hivyo, kwa kutumia kiwango cha riba ya 10% kwa mwaka, thamani ya baadaye katika 3 yearsâ € ™ wakati wa Lm100 sasa itakuwa Lm133.10. Tunaweza kusema kitu kimoja kwa njia nyingine pande zote: thamani ya sasa ya Lm133.10 kupokelewa katika 3 yearsâ € ™ wakati ni Lm100.