Proposed NU Business Name Habib vegetable cultivation Business

Proposed NU Business Name : Habib vegetable cultivation. Business Category : Agriculture & Forestry, Vegetable Farming Business Proposal Identified & Prepared by : Md. Sabuz Tarafdar , Unit Manager, Meherpur Unit, Khulna Area, Dhaka. Business Proposal Verified by : Md. Sabuz Tarafdar

BRIEF BIO OF THE PROPOSED NOBIN UDYOKTA Name and address : md Habibur Rahman Vill: Khoksa, Union: Amjhupi, District: Meherpur Age : 32 years Marital Status : Married Children : 1 (One) Son and 1 (One) Daughter No. of siblings : 2 (Two) Brothers Parent’s and GB related Info: (i) Who is GB member : Mother (ii) Mother’s name : mst Anowara khatun (iii) Father’s name : Md Iddris ali (iv) GB member’s info : mst Anowara khatun Branch: Amjhupi Meherpur, Centre # 38 Loan no. : 2915/3, Member since 10 October 2016 Existing loan: Tk. 28, 000 Outstanding loan: Tk. 13, 832 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 : JSC/Eight Pass(1 to 8 Pass) 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 10 (Ten) year(s) of experience in running his own business. He started the business with BDT 300, 000 (Three Lac) : : Father's occupation: Farmer Mother's occupation: Housewife Occupation of other member(s): Farmer Developments from entrepreneur's current business are Land Purchased, Building House/Repairing House, Investment in existing business etc. Other Own/Family Sources of Liabilities : N/A NU’s Contact No. : 01914570225 NU’s NID/Birth Certificate No. : 5081831132 NU Project Source/Reference : Grameen Kalyan

BRIEF HISTORY OF GB LOAN UTILIZATION BY FAMILY ■ mst Anowara khatun is a GB member since 10 October 2016, at first she took GB loan BDT 10, 000 (Ten Thousand). ■ Gradually she took GB loan several times and utilized it for Farming. ■ Finally GB loan helped her to improve Livelihood.

PROPOSED NOBIN UDYOKTA BUSINESS INFO Business Name : Habib vegetable cultivation. Address/ Location : khoksa, Amjhpi, meherpur. Total Investment Required in BDT : Tk. 590, 000 Financing : Self Tk. 490, 000 Required Investment Tk. 100, 000 Present salary/drawings from business : N/A Proposed Salary : N/A Proposed Business Implementation Plan (i) % of present gross profit margin : From Product 12% (ii) Estimated % of proposed gross profit margin : From Product 15% (iii) In future risk mgt. plan (from fire, disaster etc. ) : From Disaster Recovery Plan 5%, From Other 5%

INFO ON EXISTING BUSINESS OPERATIONS Particulars EB(BDT) Daily Monthly Yearly Sales income from Product(s) 7, 000 196, 000 2, 352, 000 Total Sales/commission (A) 7, 000 196, 000 2, 352, 000 Cost of Product(s) 6, 160 172, 480 2, 069, 760 Total Cost of Sales and Services (B) 6, 160 172, 480 2, 069, 760 840 23, 520 282, 240 Labour cost 5, 000 60, 000 Fertilizer 5, 000 60, 000 Water Supply Bill 2, 000 24, 000 Madicine 2, 000 24, 000 3, 333 40, 000 17, 333 208, 000 6, 187 74, 240 Less: Cost of Sales Gross Profit (C) [C=(A-B)] Less: Operating Cost Non Cash Item Deprecation Expenses Total Operating Cost (D) Net Profit (C-D)

PRESENT & PROPOSED INVESTMENT BREAKDOWN Particulars of products Existing Investment in products (Sar , Fruit Seeds, Kitonasok Medicin etc. ) Proposed Investment in products (Fartilizer, Labor cost, Kitonasok Medicin, Vegetables seeds etc. ) Investment in Machinaries (Own Land etc. ) Cash in hand Bank Balance Advance Debtors Creditors Other Arrear Expense Total Capital Existing Business (BDT) 90, 000 Proposed (BDT) 100, 000 Total (BDT) 190, 000 400, 000 0 0 (0) 490, 000 0 0 (0) 590, 000 100, 000

SOURCE OF FINANCE ■ Entrepreneur's Contribution BDT 490, 000 (83%) ■ GK's Investment BDT 100, 000 (17%) ■ Total Capital BDT 590, 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) 12, 000 336, 000 4, 032, 000 13, 200 369, 600 4, 435, 200 14, 520 406, 560 6, 098, 400 Total Sales/commission (A) 12, 000 336, 000 4, 032, 000 13, 200 369, 600 4, 435, 200 14, 520 406, 560 6, 098, 400 Estimated cost of Product(s) 10, 200 285, 600 3, 427, 200 11, 220 314, 160 3, 769, 920 12, 342 345, 576 5, 183, 640 Est. Total Cost of Sales and Services (B) 10, 200 285, 600 3, 427, 200 11, 220 314, 160 3, 769, 920 12, 342 345, 576 5, 183, 640 1, 800 50, 400 604, 800 1, 980 55, 440 665, 280 2, 178 60, 984 914, 760 5, 000 60, 000 5, 500 66, 000 6, 050 90, 750 Less: Cost of Sales Gross Profit (C) [C=(A-B)] Less: Operating Cost Water Supply Bill Depreciation EXpenses 1, 000 12, 000 1, 100 13, 200 1, 210 18, 150 Fertilizer 10, 000 120, 000 11, 000 132, 000 12, 100 181, 500 Labour cost 10, 000 120, 000 11, 000 132, 000 12, 100 181, 500 5, 000 60, 000 5, 500 66, 000 6, 050 90, 750 Mobile bill (SMS & Reporting) 200 2, 400 220 2, 640 242 3, 630 Ownership Transfer Fee 556 5, 004 556 6, 672 556 8, 324 3, 333 40, 000 3, 333 49, 995 Total Operating Cost (D) 35, 089 419, 404 38, 209 458, 512 41, 641 624, 599 Net Profit (C-D) 15, 311 185, 396 17, 231 206, 768 19, 343 290, 161 Pond Repairing Non Cash Item Depriciation Expenses Retained Income 185, 396 392, 164 682, 325 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 Year 1 (BDT) Year 2 (BDT) Year 3 (BDT) 1. 0 Cash Inflow 1. 1 Investment Infusion By Investor 100000 1. 2 Net Profit (Ownership Transfer Fee Added Back) 190400 213440 298485 1. 3 Depreciation Expense 40000 49995 1. 4 Opening Balance of Cash Surplus 0 200403 413847 330400 453843 762327 29997 39996 50007 Total Cash Outflow 129997 39996 50007 Total Cash Surplus 200403 413847 712320 Total Cash Inflow 2. 0 Cash Outflow 2. 1 Product Purchase 2. 2 Investment Payback Including Ownership Transfer Fee 3. 0 100000

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 (10 Years) ▢ Electricity problem; ▢ Lack of manpower; O T PPORTUNITIES ▢ Increasing demand; ▢ Investors money will be payback in three years. ; HREATS ▢ Disease; ▢ Virus Disease;

Presented at 157 th CO Executive Social Business Design Lab (GK) on February 12, 2019 at Grameen Kalyan Premises Thank you