The company IMPALA SAC asks the Japanese financial company TEKITO-TUHATO a loan with increasing installments to expand its operating capacity. Taking into account that the capital to be financed is $ 160,000 which has a rate annual nominal of 15% and will be paid in a term of 5 years with semiannual installments.

a) calculate the semi-annual effective rate, b) Graph the payment schedule c) Calculate the installment to be paid in each period. d) Considering the cost of capital, calculate the discount rate for it draft.