"Gama shpk" company has given a loan to another company 5 years ago. The loan amount was 20,000$ and has been repaid in monthly installments with an interest rate of j12 = 14%. a) What is the value of the installment? Create the full amortization schedule of this loan. b) Calculate the effective interest rate of this loan? During 5 years, the company has reinvested all the monthly installments, at the moment it has received them from the borrowing company, in a deposit with interest rate j12 = 4%. The company will withdraw the accumulated amount in the deposit to make an investment, which is expected to have these cash flows: Year Cash flows 2 1 10,00 13,00 0 0 3 4 5 6 (15,000 27,00 7,00 (8,000 0 0 7 5,00 0 8 12,00 0 c) What is the amount accumulated in the deposit from the reinvestment of installments? d) What if the Internal Rate of Return (IRR) of the investment made by the company? Should this project be implemented if the cost of the company's capital is 12%?