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Traditionally, the banking sector has not accounted for the temporary loss in a customer's income, at any stage of the credit life, caused by the changes or the loss of employment, income drops in business, the establishment and develop- ment of new projects of agricultural crops with diff erent income levels, or other contingencies that can arise in the today's economy. To address this problem, the present study constructs a phased model of one mother equation, from which a series of equations of fi nancial mathematics are derived as a response to several needs of credit benefi ciaries. Th e proposed model consists of one scenario, based on a mother equation. Th e scenario corresponds to credits with reduced or increas- ing payment instalments, postponable payment periods. Of the mother equation, 8 explicative variables were solved for a total of 9 phasing formulas for credits with three levels of payment. Our model, in contrast to the traditional one, incorpo- rates postponable payment periods and jumps in payment instalments in any period of the lifetime of the credit due to a temporary loss in the customer's income and changes in the credit user's income.

A tool applicable to the payment of credits for projects of agricultural crops with different income levels