Proposed NU Business Name Harun Garment Cloth Store

Proposed NU Business Name : Harun Garment & Cloth Store Business Category : Micro Business, ������ 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. Harun Or Rashid Vill: Amjhupi, Union: Amjhupi, District: Meherpur Age : 27 years Marital Status : Married Children : 1 (One) Son 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 : Most. Hajera Khatun (iii) Father’s name : Md. Gajlur Rahman (iv) GB member’s info : Most. Hajera Khatun Branch: Amjhupi Meherpur, Centre # 40 Loan no. : 3838, Member since 01 July 2008 Existing loan: Tk. 50, 000 Outstanding loan: Tk. 50, 000 Further Information: (v) Who pays GB loan installment : Entrepreneur's Father (vi) Mobile lady : Yes (vii) Grameen Education Loan : N/A (viii) Any other loan : N/A

BRIEF BIO OF THE PROPOSED NOBIN UDYOKTA (CONT. . . ) Education, till to date : Higher Secondary 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 4 (Four) year(s) of experience in running his own business. He started the business with BDT 50, 000 (Fifty Thousand) : : Father's occupation: Businessman Mother's occupation: Businessman Occupation of other member(s): Farmer Developments from entrepreneur's current business are Land, Building, Investment, Children's Education, Other etc. Other Own/Family Sources of Liabilities : N/A NU’s Contact No. : 01997075110, NU’s NID/Birth Certificate No. : 8687100308 NU Project Source/Reference : Grameen Kalyan

BRIEF HISTORY OF GB LOAN UTILIZATION BY FAMILY ■ Most. Hajera Khatun is a GB member since 01 July 2008, 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 : Harun Garment & Cloth Store Address/ Location : Amjhupi Bazar, Meherpur. Total Investment Required in BDT : Tk. 905, 000 Financing : Self Tk. 775, 000 Required Investment Tk. 130, 000 Present salary/drawings from business : N/A Proposed Salary : BDT 4, 000 (Four Thousand) Proposed Business Implementation Plan (i) % of present gross profit margin : From Product 10% (ii) Estimated % of proposed gross profit margin : From Product 15% (iii) In future risk mgt. plan (from fire, disaster etc. ) : From Fire Distingue 5%, From Other 2%

INFO ON EXISTING BUSINESS OPERATIONS Particulars EB(BDT) Daily Monthly Yearly Sales income from Product(s) 4, 463 124, 964 1, 499, 568 Total Sales/commission (A) 4, 463 124, 964 1, 499, 568 Cost of Product(s) 4, 018 112, 504 1, 350, 048 Total Cost of Sales and Services (B) 4, 018 112, 504 1, 350, 048 445 12, 460 149, 520 50 600 1, 200 Mobile Bill 50 600 Mobile bill (SMS & Reporting) 10 120 Family Cost 200 2, 400 Fan 100 1, 200 Electricity Bill 20 240 Entertainment Expenses 50 600 Others 20 240 1, 000 12, 000 0 0 1, 600 19, 200 10, 860 130, 320 Less: Cost of Sales Gross Profit (C) [C=(A-B)] Less: Operating Cost Night Guard Bill Transportation Expense Shop Rent Non Cash Item Deprecation Expenses Total Operating Cost (D) Net Profit (C-D)

PRESENT & PROPOSED INVESTMENT BREAKDOWN Particulars of products Existing Proposed Investment in products (Garments, products, Than Kapar, Print shari, Than Cloth, Various Shirt Piece , ganji, linge, three piece, bad Various Yard Fabric, Lungi, Towel, sheet, cap, poplin, voile, pakeja, Three piece, Readymade Shirt, yard cloth (gauze kapor), shirt, Kids item, Garments Item, Others pant, three piece, lungi, genji, item, Sale for kids Products item ( panjabi, sharee, pant piece, shirt Shirt, pant, t-shirt, Punjabi, piece, & different types of Trousers, Guernsey etc. ) shoes etc. , shirt piece, pant piece, three piece, winter cloths, Borka, Baby Cloth, Various Shirt Piece etc. ) Cash in hand Bank Balance Advance Debtors Creditors Other Arrear Expense Total Capital Existing Business (BDT) 750, 000 25, 000 0 (0) 775, 000 Proposed (BDT) Total (BDT) 130, 000 880, 000 130, 000 25, 000 0 (0) 905, 000

SOURCE OF FINANCE ■ Entrepreneur's Contribution BDT 775, 000 (85%) ■ GK's Investment BDT 130, 000 (15%) ■ Total Capital BDT 905, 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) 9, 000 252, 000 3, 024, 000 9, 900 277, 200 3, 326, 400 10, 890 304, 920 3, 960 Total Sales/commission (A) 9, 000 252, 000 3, 024, 000 9, 900 277, 200 3, 326, 400 10, 890 304, 920 3, 960 Estimated cost of Product(s) 7, 650 214, 200 2, 570, 400 8, 415 235, 620 2, 827, 440 9, 257 259, 196 3, 369, 548 Est. Total Cost of Sales and Services (B) 7, 650 214, 200 2, 570, 400 8, 415 235, 620 2, 827, 440 9, 257 259, 196 3, 369, 548 Gross Profit (C) [C=(A-B)] 1, 350 37, 800 453, 600 1, 485 41, 580 498, 960 1, 633 45, 724 594, 412 500 6, 000 550 6, 600 605 7, 865 Night Guard Bill 50 600 55 660 61 793 Entertainment Expenses 50 600 55 660 61 793 Transportation Expense 500 6, 000 550 6, 600 605 7, 865 Mobile bill (SMS & Reporting) 100 1, 200 110 1, 320 121 1, 573 4, 000 48, 000 4, 400 52, 800 4, 840 62, 920 Depreciation EXpenses 500 6, 000 550 6, 600 605 7, 865 Fan 200 2, 400 220 2, 640 242 3, 146 Ownership Transfer Fee 722 7, 942 722 8, 664 722 9, 394 0 0 0 Less: Cost of Sales Less: Operating Cost Electricity Bill Proposed Salary (Entrepreneur) Non Cash Item Depriciation Expenses Total Operating Cost (D) Net Profit (C-D) Retained Income 6, 622 78, 742 7, 212 86, 544 7, 862 102, 214 31, 178 374, 858 34, 368 412, 416 37, 862 492, 198 374, 858 787, 274 1, 279, 472 Notes: 1. Agreed grace period: One 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 Year 1 (BDT) Year 2 (BDT) Year 3 (BDT) 1. 0 Cash Inflow 1. 1 Investment Infusion By Investor 130000 1. 2 Net Profit (Ownership Transfer Fee Added Back) 382800 421080 501592 1. 3 Depreciation Expense 0 0 0 1. 4 Opening Balance of Cash Surplus 25000 360137 729221 537800 781217 1230813 47663 51996 56341 Total Cash Outflow 177663 51996 56341 Total Cash Surplus 360137 729221 1174472 Total Cash Inflow 2. 0 Cash Outflow 2. 1 Product Purchase 2. 2 Investment Payback Including Ownership Transfer Fee 3. 0 130000

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 (4 Years) ▢ Can not supply goods and Service as per demand; ▢ Electricity problem; O T PPORTUNITIES ▢ Location of shop; ▢ Investors money will be payback in three years. ; ▢ Increasing demand; HREATS ▢ Theft; ▢ Disease;

Presented at 130 th CO Executive Social Business Design Lab (GK) on July 30, 2018 at GT-GK Premises Thank you