Maksaarvojen

Maksaarvojen is a Finnish term used in financial and mathematical contexts to refer to the monetary values of individual payments in a series of cash flows. The word is formed from maksaa (to pay) and arvo (value), and maksaarvojen is the genitive plural form, used when listing or discussing multiple payment values, such as in a schedule of installments or coupons. The concept is employed to separate the amount of a payment from the timing of when it is made.

In practice, maksaarvojen can denote both nominal payment amounts (the face value due at each due date) and the discounted or present values of those payments when a discount rate or interest rate is applied. This distinction is common in financial analysis, where one may examine the sequence of payments itself (the nominal maksaarvot) or its value in today’s terms (present value of maksaarvojen) for purposes such as evaluating liquidity, budgeting, or calculating net present value.

Calculation and usage often involve cash-flow analysis, amortization schedules, or the assessment of investment projects. For example, in a loan or annuity, the maksaarvojen represent the scheduled payments, while their present values reflect the time value of money. The term is used alongside related concepts such as kassavirta (cash flow), diskonttaus (discounting), and nykyarvo or present value in Finnish financial literature.

See also: kassavirta, diskonttaus, annuiteetit, nykyarvo.