Proposed NU Business Name Gavi Palon Business Category
Proposed NU Business Name : Gavi Palon Business Category : Fisharies & Animal Husbandry, Cow Fattening Business Proposal Identified & Prepared by : Md. Rabiul Islam, Unit Incharge, Bagha , Rajshahi, All Zone. Business Proposal Verified by : Md. Rabiul Islam
BRIEF BIO OF THE PROPOSED NOBIN UDYOKTA Name and address : Md. Ramzan Ali Vill: Arazi Chnadpur, Union: Gargari, District: Rajshahi Age : 26 years Marital Status : Married Children : 1 (One) Son No. of siblings : 3 (Three) Brothers and 1 (One) Sister Parent’s and GB related Info: (i) Who is GB member : Mother (ii) Mother’s name : Mst. Mina Khatun (iii) Father’s name : Md. Intaz ali (iv) GB member’s info : Mst. Mina Khatun Branch: Lalpur, Natore, Centre # 37 Loan no. : 4117/1, Member since 01 February 2011 Existing loan: Tk. 30, 000 Outstanding loan: Tk. 20, 420 Further Information: (v) Who pays GB loan installment : Entrepreneur's Father (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 : He has 0 () year(s) of experience in running his own business. He started the business with BDT 15, 000 (Fifteen Thousand) : : Father's occupation: Farmer Mother's occupation: Housewife Occupation of other member(s): Farmer Other Own/Family Sources of Liabilities : N/A NU’s Contact No. : 01751268547, 01790269592 NU’s NID/Birth Certificate No. : 19948111055000419 NU Project Source/Reference : Grameen Shakti Samajik Byabosha Ltd
BRIEF HISTORY OF GB LOAN UTILIZATION BY FAMILY ■ Mst. Mina Khatun is a GB member since 01 February 2011, at first she took GB loan BDT 15, 000 (Fifteen Thousand).
PROPOSED NOBIN UDYOKTA BUSINESS INFO Business Name : Gavi Palon Address/ Location : Araji Chadpur, Bangari, Bagha, Rajshahi Total Investment Required in BDT : Tk. 140, 000 Financing : Self Tk. 90, 000 Required Investment Tk. 50, 000 Present salary/drawings from business : BDT 5, 000 (Five Thousand) Proposed Salary : BDT 5, 000 (Five Thousand) Proposed Business Implementation Plan (i) % of present gross profit margin : From Product 17% (ii) Estimated % of proposed gross profit margin : From Product 17% (iii) In future risk mgt. plan (from fire, disaster etc. ) : N/A
INFO ON EXISTING BUSINESS OPERATIONS Particulars EB(BDT) Daily Monthly Yearly Sales income from Product(s) 3, 214 89, 992 1, 079, 904 Total Sales/commission (A) 3, 214 89, 992 1, 079, 904 Cost of Product(s) 2, 668 74, 704 896, 448 Total Cost of Sales and Services (B) 2, 668 74, 704 896, 448 546 15, 288 183, 456 Electricity Bill 200 2, 400 Transportation Expense 100 1, 200 5, 000 60, 000 2, 400 2, 000 24, 000 0 0 Total Operating Cost (D) 7, 500 90, 000 Net Profit (C-D) 7, 788 93, 456 Less: Cost of Sales Gross Profit (C) [C=(A-B)] Less: Operating Cost Present salary (Entrepreneur) Mobile Bill Food Non Cash Item Deprecation Expenses
PRESENT & PROPOSED INVESTMENT BREAKDOWN Particulars of products Existing Proposed Investment in products (Cow etc. ) Investment in products (Cow, Food etc. ) Cash in hand Bank Balance Advance Debtors Creditors Other Arrear Expense Total Capital Existing Business (BDT) 90, 000 0 0 (0) 90, 000 Proposed (BDT) Total (BDT) 50, 000 140, 000 50, 000 0 0 (0) 140, 000
SOURCE OF FINANCE ■ Entrepreneur's Contribution BDT 90, 000 (64%) ■ GSSB's Investment BDT 50, 000 (36%) ■ Total Capital BDT 140, 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) 4, 286 120, 008 1, 440, 096 4, 500 126, 000 1, 512, 000 4, 725 132, 300 396, 900 Total Sales/commission (A) 4, 286 120, 008 1, 440, 096 4, 500 126, 000 1, 512, 000 4, 725 132, 300 396, 900 Estimated cost of Product(s) 3, 557 99, 596 1, 195, 152 3, 735 104, 580 1, 254, 960 3, 922 109, 816 329, 448 Est. Total Cost of Sales and Services (B) 3, 557 99, 596 1, 195, 152 3, 735 104, 580 1, 254, 960 3, 922 109, 816 329, 448 729 20, 412 244, 944 765 21, 420 257, 040 803 22, 484 67, 452 200 2, 400 220 2, 640 242 726 Less: Cost of Sales Gross Profit (C) [C=(A-B)] Less: Operating Cost Electricity Bill Transportation Expense Proposed Salary (Entrepreneur) Mobile bill (SMS & Reporting) Food Ownership Transfer Fee 100 1, 200 110 1, 320 121 363 5, 000 60, 000 5, 500 66, 000 6, 050 18, 150 200 2, 400 220 2, 640 242 726 2, 000 24, 000 2, 200 26, 400 2, 420 7, 260 417 3, 753 417 5, 004 417 1, 243 0 0 0 7, 917 93, 753 8, 667 104, 004 9, 492 28, 468 12, 495 151, 191 12, 753 153, 036 12, 992 Non Cash Item Depriciation Expenses Total Operating Cost (D) Net Profit (C-D) Retained Income 151, 191 304, 227 38, 984 343, 211 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 1. 4 Year 1 (BDT) Year 2 (BDT) Year 3 (BDT) 50000 154944 158140 40253 Depreciation Expense 0 0 0 Opening Balance of Cash Surplus 0 132444 260584 204944 290584 300837 Total Cash Inflow 2. 0 Cash Outflow 2. 1 Product Purchase 50000 2. 2 Investment Payback Including Ownership Transfer Fee 22500 30000 7500 Total Cash Outflow 72500 30000 7500 Total Cash Surplus 132444 260584 293337 3. 0
SWOT ANALYSIS S TRENGTH W EAKNESS ▢ Present employment: Self: 1, Family: 0 Others (beyond family): 0 Future employment: 0 ▢ Trade License in his own name ▢ Skilled and working experiences (0 Years) O PPORTUNITIES T HREATS
Presented at 337 th FO Executive Social Business Design Lab (GSSB) on September 13, 2018 at Grameen Shakti Samajik Byabosha Ltd Premises Thank you
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