efec_rate=function (tasa, d, base_ini, base_fin, tipo_ini = "continua"){
tasa_efe=NULL
t_ini = d/base_ini
t_fin = d/base_fin
if(substr(tipo_ini,1,1) == "C" |substr(tipo_ini,1,1) == "c"){tasa_efe =(exp(tasa * t_ini)^(1/t_fin)) - 1}
if(substr(tipo_ini,1,1) == "N" |substr(tipo_ini,1,1) == "n"){tasa_efe =((1 + tasa*t_ini)^(1/t_fin))-1}
return(tasa_efe)
}
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