Proposed NU Business Name Aklima Papor Byabosha Business
Proposed NU Business Name : Aklima Papor Byabosha Business Category Business Proposal Identified & Prepared by : Factories, Bread Factory : Md. Khairul Islam, Unit Incharge, Fultola , Khulna, All Zone. Business Proposal Verified by : Md. Zinnat Ali
BRIEF BIO OF THE PROPOSED NOBIN UDYOKTA Name and address : Aklima Begum Vill: Dakshin Dihi, Union: Phultala, District: Khulna Age : 40 years Marital Status : Married Children : 1 (One) Son and 1 (One) Daughter No. of siblings : 4 (Four) Sisters Parent’s and GB related Info: (i) Who is GB member : Mother in law (ii) Mother’s name : Hajera Bibi (iii) Father’s name : Soleman Biswas (iv) GB member’s info : ����� Branch: Fultala, Centre # 37 Loan no. : 4120, Member since 01 January 2011 Existing loan: Tk. 34, 000 Outstanding loan: Tk. 17, 541 Further Information: (v) Who pays GB loan installment : Entrepreneur's Husband (vi) Mobile lady : No (vii) Grameen Education Loan : N/A (viii) Any other loan : N/A
BRIEF BIO OF THE PROPOSED NOBIN UDYOKTA (CONT. . . ) Education, till to date : Under SSC Present Occupation (Besides own business, i. e. , perusing further studies, other business etc. ) : Nil Business Experiences and Training Info (years of experience, if s/he received any on- hand training, formal training, working experience as an apprentice etc. ) Other Own/Family Sources of Income : She has 8 (Eight) year(s) of experience in running her own business. She started the business with BDT 25, 000 (Twenty Five Thousand) : : Father's occupation: Day Labor Mother's occupation: Housewife Developments from entrepreneur's current business are Building, Other etc. Other Own/Family Sources of Liabilities : N/A NU’s Contact No. : 01761713139, 01934029625 NU’s NID/Birth Certificate No. : 4716976017216 NU Project Source/Reference : Grameen Shakti Samajik Byabosha Ltd
BRIEF HISTORY OF GB LOAN UTILIZATION BY FAMILY ■ ����� is a GB member since 01 January 2011, at first she took GB loan BDT 3, 000 (Three Thousand). ■ Gradually she took GB loan several times and utilized it for Business, Children Education. ■ Finally GB loan helped her to improve Livelihood, Repair of houses.
PROPOSED NOBIN UDYOKTA BUSINESS INFO Business Name : Aklima Papor Byabosha Address/ Location : Dakshin dihi Total Investment Required in BDT : Tk. 133, 500 Financing : Self Tk. 83, 500 Required Investment Tk. 50, 000 Present salary/drawings from business : BDT 5, 000 (Five Thousand) Proposed Salary : N/A Proposed Business Implementation Plan (i) % of present gross profit margin : From Product 15% (ii) Estimated % of proposed gross profit margin : From Product 25% (iii) In future risk mgt. plan (from fire, disaster etc. ) : From cridite sale 3%, From Other 5%
INFO ON EXISTING BUSINESS OPERATIONS Particulars EB(BDT) Daily Monthly Yearly Sales income from Product(s) 3, 571 99, 988 1, 199, 856 Total Sales/commission (A) 3, 571 99, 988 1, 199, 856 Cost of Product(s) 3, 036 85, 008 1, 020, 096 Total Cost of Sales and Services (B) 3, 036 85, 008 1, 020, 096 535 14, 980 179, 760 500 6, 000 Present salary (Entrepreneur) 5, 000 60, 000 Stuff Salary 3, 000 36, 000 1, 200 0 0 Total Operating Cost (D) 8, 600 103, 200 Net Profit (C-D) 6, 380 76, 560 Less: Cost of Sales Gross Profit (C) [C=(A-B)] Less: Operating Cost Transportation Expense Mobile Bill Non Cash Item Deprecation Expenses
PRESENT & PROPOSED INVESTMENT BREAKDOWN Particulars of products Existing Proposed Investment in products (Packaging item, Bread making ingredients, Others etc. ) Investment in products (Decoration (Fixture & Fittings), Different types of Bakery & Confectionery item, Bread making ingredients, Others etc. ) Cash in hand Bank Balance Advance Debtors Creditors Other Arrear Expense Total Capital Existing Business (BDT) 83, 500 0 0 (0) 83, 500 Proposed (BDT) Total (BDT) 50, 000 133, 500 50, 000 0 0 (0) 133, 500
SOURCE OF FINANCE ■ Entrepreneur's Contribution BDT 83, 500 (62%) ■ GSSB's Investment BDT 50, 000 (38%) ■ Total Capital BDT 133, 500
FINANCIAL PROJECTION OF NU BUSINESS PLAN Particulars Year 1 (BDT) Daily Monthly Year 2 (BDT) Yearly Daily Monthly Year 3 (BDT) Yearly Daily Monthly Yearly Estimated sales income from Product(s) 3, 571 99, 988 1, 199, 856 3, 750 105, 000 1, 260, 000 4, 125 115, 500 231, 000 Total Sales/commission (A) 3, 571 99, 988 1, 199, 856 3, 750 105, 000 1, 260, 000 4, 125 115, 500 231, 000 Estimated cost of Product(s) 2, 679 75, 012 900, 144 2, 813 78, 764 945, 168 3, 094 86, 632 173, 264 Est. Total Cost of Sales and Services (B) 2, 679 75, 012 900, 144 2, 813 78, 764 945, 168 3, 094 86, 632 173, 264 892 24, 976 299, 712 937 26, 236 314, 832 1, 031 28, 868 57, 736 Transportation Expense 700 8, 400 770 9, 240 847 1, 694 Present salary Assistant 5, 000 60, 000 5, 500 66, 000 6, 050 12, 100 Stuff Salary 4, 000 48, 000 4, 400 52, 800 4, 840 9, 680 Mobile Bill 200 2, 400 220 2, 640 242 484 Ownership Transfer Fee 417 4, 170 417 5, 004 417 826 Less: Cost of Sales Gross Profit (C) [C=(A-B)] Less: Operating Cost Non Cash Item Depriciation Expenses 0 0 0 Total Operating Cost (D) 10, 317 122, 970 11, 307 135, 684 12, 396 24, 784 Net Profit (C-D) 14, 659 176, 742 14, 929 179, 148 16, 472 32, 952 Retained Income 176, 742 355, 890 388, 842 Notes: 1. Agreed grace period: Two months 2. Investment Payback schedule: Monthly installment would also include ownership transfer fee from the date of cheque deposited in NU’s business account
CASH FLOW PROJECTION ON BUSINESS PLAN (REC. & PAY. ) SL# Particular 1. 0 Cash Inflow 1. 1 Investment Infusion By Investor 1. 2 Net Profit (Ownership Transfer Fee Added Back) 1. 3 1. 4 Year 1 (BDT) Year 2 (BDT) Year 3 (BDT) 50000 180912 184000 33750 Depreciation Expense 0 0 0 Opening Balance of Cash Surplus 0 155912 309912 230912 339912 343662 Total Cash Inflow 2. 0 Cash Outflow 2. 1 Product Purchase 50000 2. 2 Investment Payback Including Ownership Transfer Fee 25000 30000 5000 Total Cash Outflow 75000 30000 5000 Total Cash Surplus 155912 309912 338662 3. 0
SWOT ANALYSIS S TRENGTH W EAKNESS ▢ Present employment: Self: 1, Family: 2 Others (beyond family): 0 Future employment: 0 ▢ Trade License in her own name ▢ Skilled and working experiences (8 Years) ▢ Can not supply goods and Service as per demand; O T PPORTUNITIES ▢ Increasing demand; HREATS ▢ Increase of local competitors;
Presented at 462 nd FO Executive Social Business Design Lab (GSSB) on May 15, 2019 at Grameen Shakti Samajik Byabosha Ltd Premises Thank you
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