Proposed NU Business Name HOMAYRA STORE Business Category

Proposed NU Business Name : HOMAYRA STORE Business Category : Shopkeeping, General Store Business Proposal Identified & Prepared by : Manik Chad, Officer, Kaliyakoir , Dhaka, All Zone. Business Proposal Verified by : Eaqub Ali

BRIEF BIO OF THE PROPOSED NOBIN UDYOKTA Name and address : MD. HELAL UDDIN Vill: Uttar Gazaria, Union: Sutrapur, District: Gazipur Age : 33 years Marital Status : Married Children : 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 : HELENA BEGUM (iii) Father’s name : MD. RAIJUDDIN (iv) GB member’s info : HELENA BEGUM Branch: Maddhapara Kaliakair, Gazipur, Centre # 4 Loan no. : 1585/2, Member since 01 January 1988 Existing loan: Tk. 50, 000 Outstanding loan: Tk. 30, 000 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 30, 000 (Thirty Thousand) : : Father's occupation: Day Labor Income: Tk. 20, 000 Mother's occupation: Housewife Income: Tk. 5, 000 Occupation of other member(s): Day Labor Developments from entrepreneur's current business are Gold Purchase, Land Purchase, Building, Other etc. Other Own/Family Sources of Liabilities : N/A NU’s Contact No. : 01919563680, 01753935308 NU’s NID/Birth Certificate No. : 4646435919 NU Project Source/Reference : Grameen Shakti Samajik Byabosha Ltd

BRIEF HISTORY OF GB LOAN UTILIZATION BY FAMILY ■ HELENA BEGUM is a GB member since 01 January 1988, at first she took GB loan BDT 30, 000 (Thirty Thousand).

PROPOSED NOBIN UDYOKTA BUSINESS INFO Business Name : HOMAYRA STORE Address/ Location : UTTAR GAJARIA, KALIAKOIR, 6 NO. SUTRAPUR, KALIAKOIR, GAJIPUR, DHAKA Total Investment Required in BDT : Tk. 245, 000 Financing : Self Tk. 145, 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 15% (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, 000 84, 000 1, 008, 000 Total Sales/commission (A) 3, 000 84, 000 1, 008, 000 Cost of Product(s) 2, 550 71, 400 856, 800 Total Cost of Sales and Services (B) 2, 550 71, 400 856, 800 450 12, 600 151, 200 2, 000 24, 000 Mobile Bill 200 2, 400 Self Salary 5, 000 60, 000 Transportation Expense 500 6, 000 Others 100 1, 200 750 9, 000 Total Operating Cost (D) 8, 550 102, 600 Net Profit (C-D) 4, 050 48, 600 Less: Cost of Sales Gross Profit (C) [C=(A-B)] Less: Operating Cost Electricity Bill Non Cash Item Deprecation Expenses

PRESENT & PROPOSED INVESTMENT BREAKDOWN Particulars of products Existing Proposed Investment in products (Others etc. ) Investment in Machinaries (Others etc. ) Cash in hand Bank Balance Advance Debtors Creditors Other Arrear Expense Total Capital Existing Business (BDT) 100, 000 Proposed (BDT) 100, 000 Total (BDT) 200, 000 45, 000 0 0 (0) 145, 000 0 0 (0) 245, 000 100, 000

SOURCE OF FINANCE ■ Entrepreneur's Contribution BDT 145, 000 (59%) ■ GSSB's Investment BDT 100, 000 (41%) ■ Total Capital BDT 245, 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) 3, 500 98, 000 1, 176, 000 3, 675 102, 900 1, 234, 800 3, 859 108, 052 216, 104 Total Sales/commission (A) 3, 500 98, 000 1, 176, 000 3, 675 102, 900 1, 234, 800 3, 859 108, 052 216, 104 Estimated cost of Product(s) 2, 905 81, 340 976, 080 3, 050 85, 400 1, 024, 800 3, 203 89, 684 179, 368 Est. Total Cost of Sales and Services (B) 2, 905 81, 340 976, 080 3, 050 85, 400 1, 024, 800 3, 203 89, 684 179, 368 595 16, 660 199, 920 625 17, 500 210, 000 656 18, 368 36, 736 2, 000 24, 000 2, 200 26, 400 2, 420 4, 840 Less: Cost of Sales Gross Profit (C) [C=(A-B)] Less: Operating Cost Electricity Bill Mobile Bill 200 2, 400 220 2, 640 242 484 Self Salary 5, 000 60, 000 5, 500 66, 000 6, 050 12, 100 Others 200 2, 400 220 2, 640 242 484 Transportation Expense 500 6, 000 550 6, 600 605 1, 210 Ownership Transfer Fee 833 8, 330 833 9, 996 833 1, 674 750 9, 000 750 1, 500 Total Operating Cost (D) 9, 483 112, 130 10, 273 123, 276 11, 142 22, 292 Net Profit (C-D) 7, 177 87, 790 7, 227 86, 724 7, 226 Non Cash Item Depriciation Expenses Retained Income 87, 790 174, 514 14, 444 188, 958 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 (Technical Assistance Cost Added Back) 1. 3 Depreciation Expense 1. 4 Opening Balance of Cash Surplus Year 2 (BDT) Year 3 (BDT) 100000 96120 96720 16104 9000 1500 0 55120 100840 205120 160840 118444 50000 60000 10000 Total Cash Outflow 150000 60000 10000 Total Cash Surplus 55120 100840 108444 Total Cash Inflow 2. 0 Cash Outflow 2. 1 Product Purchase 2. 2 Amount Disinvested Including Technical Assistance Cost 3. 0 Year 1 (BDT) 100000

SWOT ANALYSIS S TRENGTH W EAKNESS ▢ Present employment: Self: 1, Family: 0 Others (beyond family): 0 Future employment: 0 ▢ Skilled and working experiences (0 Years) ▢ Electricity problem; O T PPORTUNITIES ▢ Location of shop; HREATS ▢ Theft;

Presented at 546 th CO Executive Social Business Design Lab (GSSB) on October 21, 2019 at Grameen Shakti Samajik Byabosha Ltd Premises Thank you