画图解释一下吧谢谢

NO.PZ202403050900000604 问题如下 The cash flow to Novu after the first quarter of the Tanzanite swis closest to: A.–ZAR140,471. B.ZAR219,529. C.ZAR340,000. B Correct. The quarterly interest rate is calculate[(1 + 3.2%)(1/4)] – 1 = 0.0079,so the fixecash flow Novu receives is ZAR5,000,000 × 0.0079 = ZAR39,528.77. The return of the equity is negative, so Novu will also receive ZAR5,000,000 × 0.0360 = ZAR180,000.00 from the Zulu return.Therefore, the net cash flow to Novu is ZAR219,528.77 (39,528.77 + 180,000.00). 为什么receive fixe部份不是直接用NP*（3.2%/4），而是用NP*{(1+3.2%)/4-1}