Loan Calculations to Illustrate Sharing

	A	B	C	D	E	F	G	H	I
1		Loan	$100.00			Loan	$100.00
2		Years	10			Years	10
3		Interest Rate	4%			Interest Rate	5%
4		Share Bank	100%			Share Bank	20%		Productivity Increase
5		Repayment	$12.24			Repayment	$10.54	Borrower	16.19%
6		Total Interest	$23.46			Total Interest	$27.96	Bank	16.08%
7		Loan	Interest	Repayment	Off Capital	Loan	Interest	Repayment	Off Capital
8	1	$100.00	$4.00	$12.24	$8.24	$100.00	$5.00	$10.54	$5.54
9	2	$91.76	$3.67	$12.24	$8.57	$90.46	$4.52	$10.54	$6.01
10	3	$83.18	$3.33	$12.24	$8.92	$80.83	$4.04	$10.54	$6.50
11	4	$74.27	$2.97	$12.24	$9.27	$71.10	$3.55	$10.54	$6.98
12	5	$64.99	$2.60	$12.24	$9.64	$61.27	$3.06	$10.54	$7.47
13	6	$55.35	$2.21	$12.24	$10.03	$51.35	$2.57	$10.54	$7.97
14	7	$45.32	$1.81	$12.24	$10.43	$41.32	$2.07	$10.54	$8.47
15	8	$34.89	$1.40	$12.24	$10.85	$31.20	$1.56	$10.54	$8.98
16	9	$24.04	$0.96	$12.24	$11.28	$20.97	$1.05	$10.54	$9.49
17	10	$12.75	$0.51	$12.24	$11.73	$10.64	$0.53	$10.54	$10.01
18		$0.00	$23.46	$122.44		$0.00	$27.96	$105.38
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20		B9 =B8+C8*C$4-D8				F9=F8+G8*G$4-H8
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