Proposed NU Business Name Babu Store Business Category

Proposed NU Business Name : Babu Store Business Category Business Proposal Identified & Prepared by : Shopkeeping, Tea Shop : Mithun Das, Trainee Unit Manager, Chadpur Sadar, Chadpur Region, Zone 1. Business Proposal Verified by : Uttom Kumar Sarker

BRIEF BIO OF THE PROPOSED NOBIN UDYOKTA Name and address : Md. Nure Alam Vill: Haim Char, Union: Haim Char, District: Chandpur Age : 27 years Marital Status : Single Children : No childrens No. of siblings : 2 (Two) Brothers and 1 (One) Sister Parent’s and GB related Info: (i) Who is GB member : Mother (ii) Mother’s name : Saleha Begume (iii) Father’s name : Abdul ajiz Bapary (iv) GB member’s info : Saleha Begume Branch: Uttar Algi Haimchar, Faridganj, Centre # 11 Loan no. : 1796, Member since 20 August 2004 First loan: Tk. 3, 000 Last loan: Tk. 25, 000 Further Information: (v) Who pays GB loan installment : N/A (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 : Secondary School Certificate 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 : He has 7 (Seven) year(s) of experience in running his own business. He started the business with BDT 25, 000 (Twenty Five Thousand) : : Father's occupation: Businessman Mother's occupation: Housewife Occupation of other member(s): Businessman Other Own/Family Sources of Liabilities : N/A NU’s Contact No. : 01824901491, NU’s NID/Birth Certificate No. : 19941314723000055 NU Project Source/Reference : Grameen Trust

BRIEF HISTORY OF GB LOAN UTILIZATION BY FAMILY ■ Saleha Begume was a GB member from 20 August 2004 to 03 July 2015, at first she took GB loan BDT 3, 000 (Three Thousand).

PROPOSED NOBIN UDYOKTA BUSINESS INFO Business Name : Babu Store Address/ Location : Algi Bazar, Haimchor , Chandpur. Total Investment Required in BDT : Tk. 355, 000 Financing : Self Tk. 275, 000 Required Investment Tk. 80, 000 Present salary/drawings from business : BDT 10, 000 (Ten Thousand) Proposed Salary : N/A Proposed Business Implementation Plan (i) % of present gross profit margin : From Product 18% (ii) Estimated % of proposed gross profit margin : From Product 15% (iii) In future risk mgt. plan (from fire, disaster etc. ) : From Fire Distingue 5%

INFO ON EXISTING BUSINESS OPERATIONS Particulars EB(BDT) Daily Monthly Yearly Sales income from Product(s) 10, 000 280, 000 3, 360, 000 Total Sales/commission (A) 10, 000 280, 000 3, 360, 000 Cost of Product(s) 7, 950 222, 600 2, 671, 200 Total Cost of Sales and Services (B) 7, 950 222, 600 2, 671, 200 Gross Profit (C) [C=(A-B)] 2, 050 57, 400 688, 800 Electricity Bill 800 9, 600 Generator Bill 300 3, 600 Night Guard Bill 200 2, 400 Entertainment Expenses 400 4, 800 Mobile Bill 400 4, 800 10, 000 120, 000 Shop Rent 2, 500 30, 000 Staff Salary 5, 000 60, 000 2, 292 27, 500 Total Operating Cost (D) 21, 892 262, 700 Net Profit (C-D) 35, 508 426, 100 Less: Cost of Sales Less: Operating Cost Present salary (Entrepreneur) Non Cash Item Deprecation Expenses

PRESENT & PROPOSED INVESTMENT BREAKDOWN Particulars of products Existing Investment in products (cool drinks, bickut ieccrime etc. ) Proposed Investment in products (Decoration , Different types of Product (Tea, sugar, bakery, confectionery item & soft drinks etc. ), Soft Drinks etc. ) Investment in Machinaries (Freez, cool drinks, bickut ieccrime etc , Decoration , Different types of Product (Tea, sugar, bakery, confectionery item & soft drinks etc. ), Television etc. ) Cash in hand Bank Balance Advance Debtors Creditors Other Arrear Expense Total Capital Existing Business (BDT) 50, 000 Proposed (BDT) 80, 000 Total (BDT) 130, 000 215, 000 0 0 10, 000 0 (0) 275, 000 0 0 10, 000 0 (0) 355, 000 80, 000

SOURCE OF FINANCE ■ Entrepreneur's Contribution BDT 275, 000 (77%) ■ GT's Investment BDT 80, 000 (23%) ■ Total Capital BDT 355, 000

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) 13, 000 364, 000 4, 368, 000 14, 300 400, 400 4, 800 15, 730 440, 440 1, 320 Total Sales/commission (A) 13, 000 364, 000 4, 368, 000 14, 300 400, 400 4, 800 15, 730 440, 440 1, 320 Estimated cost of Product(s) 10, 350 289, 800 3, 477, 600 11, 385 318, 780 3, 825, 360 12, 524 350, 672 1, 052, 016 Est. Total Cost of Sales and Services (B) 10, 350 289, 800 3, 477, 600 11, 385 318, 780 3, 825, 360 12, 524 350, 672 1, 052, 016 2, 650 74, 200 890, 400 2, 915 81, 620 979, 440 3, 206 89, 768 269, 304 Electricity Bill 1, 000 12, 000 1, 100 13, 200 1, 210 3, 630 Generator Bill 300 3, 600 330 3, 960 363 1, 089 Entertainment Expenses 600 7, 200 660 7, 920 726 2, 178 Night Guard Bill 300 3, 600 330 3, 960 363 1, 089 Mobile Bill 600 7, 200 660 7, 920 726 2, 178 12, 000 144, 000 13, 200 158, 400 14, 520 43, 560 2, 500 30, 000 2, 750 33, 000 3, 025 9, 075 500 6, 000 550 6, 600 605 1, 815 5, 500 66, 000 6, 050 72, 600 6, 655 19, 965 667 6, 003 667 8, 004 667 1, 993 Less: Cost of Sales Gross Profit (C) [C=(A-B)] Less: Operating Cost Present salary (Entrepreneur) Shop Rent Transportation Expense Staff Salary Ownership Transfer Fee Non Cash Item Depriciation Expenses 2, 292 27, 500 2, 292 6, 876 Total Operating Cost (D) 26, 259 313, 103 28, 589 343, 064 31, 152 93, 448 Net Profit (C-D) 47, 941 577, 297 53, 031 636, 376 58, 616 175, 856 Retained Income 577, 297 1, 213, 673 1, 389, 529 Notes: 1. Agreed grace period: Three months 2. Investment Payback schedule: Quarterly 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 Depreciation Expense 1. 4 Opening Balance of Cash Surplus Total Cash Inflow Year 1 (BDT) Year 2 (BDT) Year 3 (BDT) 80000 583300 644380 177849 27500 6876 0 574800 1198680 690800 1246680 1383405 2. 0 Cash Outflow 2. 1 Product Purchase 80000 2. 2 Investment Payback Including Ownership Transfer Fee 36000 48000 12000 Total Cash Outflow 116000 48000 12000 Total Cash Surplus 574800 1198680 1371405 3. 0

SWOT ANALYSIS S TRENGTH W EAKNESS ▢ Present employment: Self: 1, Family: 1 Others (beyond family): 0 Future employment: 0 ▢ Trade License in his own name ▢ Skilled and working experiences (7 Years) O PPORTUNITIES T HREATS

Presented at 345 th FO Executive Social Business Design Lab (GT) on September 27, 2018 at Grameen Trust Premises Thank you