Proposed NU Business Name Ismail Store Business Category

Proposed NU Business Name : Ismail Store Business Category Business Proposal Identified & Prepared by : Shopkeeping, Grocery Shop : Mirza Mohammad Arif Rabbani, Unit Incharge, Hazigonj , Chadpur Region, Zone 1. Business Proposal Verified by : Md. Sohrab Hossain

BRIEF BIO OF THE PROPOSED NOBIN UDYOKTA Name and address : ISMAIL Vill: Doalia, Union: Hajiganj, District: Chandpur Age : 31 years Marital Status : Married Children : 1 (One) Son No. of siblings : 2 (Two) Brothers and 2 (Two) Sisters Parent’s and GB related Info: (i) Who is GB member : Mother (ii) Mother’s name : Tafura Begum (iii) Father’s name : Fayaj Auhamad (iv) GB member’s info : Tafura Begum Branch: Kalochon(dakshin) Haziganj, Chandpur, Centre # 25 Loan no. : 2174/4, Member since 15 March 2001 Existing loan: Tk. 60, 000 Further Information: Outstanding loan: Tk. 18, 250 (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 5 (Five) year(s) of experience in running his own business. He started the business with BDT 50, 000 (Fifty 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. : 01641424737, 01307813885 NU’s NID/Birth Certificate No. : 5107205881 NU Project Source/Reference : Grameen Trust

BRIEF HISTORY OF GB LOAN UTILIZATION BY FAMILY ■ Tafura Begum is a GB member since 15 March 2001, at first she took GB loan BDT 10, 000 (Ten Thousand).

PROPOSED NOBIN UDYOKTA BUSINESS INFO Business Name : Ismail Store Address/ Location : Doalia Hajigonj Chandpur Total Investment Required in BDT : Tk. 135, 350 Financing : Self Tk. 95, 350 Required Investment Tk. 40, 000 Present salary/drawings from business : BDT 9, 000 (Nine Thousand) Proposed Salary : N/A Proposed Business Implementation Plan (i) % of present gross profit margin : From Product 20% (ii) Estimated % of proposed gross profit margin : From Product 20% (iii) In future risk mgt. plan (from fire, disaster etc. ) : From Fire Distingue 8%

INFO ON EXISTING BUSINESS OPERATIONS Particulars EB(BDT) Daily Monthly Yearly Sales income from Product(s) 4, 000 112, 000 1, 344, 000 Total Sales/commission (A) 4, 000 112, 000 1, 344, 000 Cost of Product(s) 3, 200 89, 600 1, 075, 200 Total Cost of Sales and Services (B) 3, 200 89, 600 1, 075, 200 800 22, 400 268, 800 Shop Rent 250 3, 000 Mobile Bill 350 4, 200 Electricity Bill 400 4, 800 Diss bill 200 2, 400 9, 000 108, 000 308 3, 700 Total Operating Cost (D) 10, 508 126, 100 Net Profit (C-D) 11, 892 142, 700 Less: Cost of Sales Gross Profit (C) [C=(A-B)] Less: Operating Cost Present salary (Entrepreneur) Non Cash Item Deprecation Expenses

PRESENT & PROPOSED INVESTMENT BREAKDOWN Particulars of products Existing Proposed Investment in products (Soft Investment in products (soybean drinks, soybean Oil, All Kinds Of Oil, cold drinks, Biscuits, Ice Grocery Items, Cosmatics Items, cream , Pufed Rice, Sugar, Soap, Ice cream , Sugar, Biscute, Dal, Flour, Detergent, Tea etc. ) Bakery items, Confectionary, Rice, Dal, Flexi. Load, Salt, Bhushi, Flour, Soap, mosher koyel, Kura etc. ) Investment in Machinaries (Freeze, Decoration etc. ) Cash in hand Bank Balance Advance Debtors Creditors Other Arrear Expense Total Capital Existing Business (BDT) 67, 350 Proposed (BDT) 40, 000 Total (BDT) 107, 350 28, 000 0 0 (0) 95, 350 0 0 (0) 135, 350 40, 000

SOURCE OF FINANCE ■ Entrepreneur's Contribution BDT 95, 350 (70%) ■ GT's Investment BDT 40, 000 (30%) ■ Total Capital BDT 135, 350

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, 500 126, 000 1, 512, 000 4, 545 127, 260 1, 527, 120 5, 000 140, 000 420, 000 Total Sales/commission (A) 4, 500 126, 000 1, 512, 000 4, 545 127, 260 1, 527, 120 5, 000 140, 000 420, 000 Estimated cost of Product(s) 3, 600 100, 800 1, 209, 600 3, 636 101, 808 1, 221, 696 4, 000 112, 000 336, 000 Est. Total Cost of Sales and Services (B) 3, 600 100, 800 1, 209, 600 3, 636 101, 808 1, 221, 696 4, 000 112, 000 336, 000 900 25, 200 302, 400 909 25, 452 305, 424 1, 000 28, 000 84, 000 Shop Rent 250 3, 000 275 3, 300 303 909 Mobile Bill 450 5, 400 495 5, 940 545 1, 635 Electricity Bill 450 5, 400 495 5, 940 545 1, 635 Less: Cost of Sales Gross Profit (C) [C=(A-B)] Less: Operating Cost Present salary (Entrepreneur) 9, 000 108, 000 9, 900 118, 800 10, 890 32, 670 Diss bill 200 2, 400 220 2, 640 242 726 Others 250 3, 000 275 3, 300 303 909 Ownership Transfer Fee 333 2, 997 333 3, 996 333 1, 007 308 3, 700 308 924 Total Operating Cost (D) 11, 241 133, 897 12, 301 147, 616 13, 469 40, 415 Net Profit (C-D) 13, 959 168, 503 13, 151 157, 808 14, 531 43, 585 Non Cash Item Depriciation Expenses Retained Income 168, 503 326, 311 369, 896 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) 40000 171500 161804 44550 3700 924 0 157200 298704 215200 322704 344178 2. 0 Cash Outflow 2. 1 Product Purchase 40000 2. 2 Investment Payback Including Ownership Transfer Fee 18000 24000 6000 Total Cash Outflow 58000 24000 6000 Total Cash Surplus 157200 298704 338178 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 (5 Years) O PPORTUNITIES T HREATS

Presented at 365 th FO Executive Social Business Design Lab (GT) on October 30, 2018 at Grameen Trust Premises Thank you