John,
The current through the 5k splits into iB and the current through the 20K .
i5k=iB+i20K
The situation you are talking about would be like you have disconnected the 20K from the circuit which isn't the case at all.(see pic)
The use of the Thevnin equivalent simplifies the calculations.
Without it you need to solve these two equations:
1) i5k=iB+i20K
2) VB=VE+Vbe
thus
1) (10-VB)/5k =ib+VB/20k
2) VB=ib*(beta+1)*10k+0.7

The current through the 5k splits into iB and the current through the 20K .
i5k=iB+i20K
The situation you are talking about would be like you have disconnected the 20K from the circuit which isn't the case at all.(see pic)
The use of the Thevnin equivalent simplifies the calculations.
Without it you need to solve these two equations:
1) i5k=iB+i20K
2) VB=VE+Vbe
thus
1) (10-VB)/5k =ib+VB/20k
2) VB=ib*(beta+1)*10k+0.7

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