Proposed NU Business Name Ma Autobi Furniture Business

Proposed NU Business Name : Ma Autobi Furniture Business Category Business Proposal Identified & Prepared by : Shopkeeping, Furniture Shop : Sumon Chandra majumdar , Unit Manager, Bheramara Unit, Khulna Area, Dhaka. Business Proposal Verified by : Sumon Chandra majumdar

BRIEF BIO OF THE PROPOSED NOBIN UDYOKTA Name and address : Md. Shariful Islam Vill: Dakshin Bhabanipur, Union: Dharampur, District: Kushtia Age : 24 years Marital Status : Married Children : No childrens No. of siblings : 1 (One) Brother and 2 (Two) Sisters Parent’s and GB related Info: (i) Who is GB member : Mother (ii) Mother’s name : Mst. Shorifa Khatun (iii) Father’s name : Md. Shoferuddin (iv) GB member’s info : Mst. Shorifa Khatun Branch: Dharampur Veramara, Centre # 48 Loan no. : 2468/5, Member since 13 July 2011 Existing loan: Tk. 55, 000 Further Information: Outstanding loan: Tk. 53, 020 (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 3 (Three) year(s) of experience in running his own business. He started the business with BDT 50, 000 (Fifty Thousand) : : Father's occupation: Farmer Income: Tk. 7, 000 Mother's occupation: Housewife Occupation of other member(s): Farmer Other Own/Family Sources of Liabilities : N/A NU’s Contact No. : 01739556070 NU’s NID/Birth Certificate No. : 2813040462 NU Project Source/Reference : Grameen Kalyan

BRIEF HISTORY OF GB LOAN UTILIZATION BY FAMILY ■ Mst. Shorifa Khatun is a GB member since 13 July 2011, at first she took GB loan BDT 7, 000 (Seven Thousand).

PROPOSED NOBIN UDYOKTA BUSINESS INFO Business Name : Ma Autobi Furniture Address/ Location : Raita Road, Fharakpur, Bheramara Pourosobha, Bheramara, Kushtia. Total Investment Required in BDT : Tk. 216, 750 Financing : Self Tk. 126, 750 Required Investment Tk. 90, 000 Present salary/drawings from business : BDT 6, 000 (Six Thousand) Proposed Salary : BDT 6, 500 (Six Thousand Five Hundred) Proposed Business Implementation Plan (i) % of present gross profit margin : From Product 30% (ii) Estimated % of proposed gross profit margin : From Product 30% (iii) In future risk mgt. plan (from fire, disaster etc. ) : From Fire Distingue 5%, From Other 5%

INFO ON EXISTING BUSINESS OPERATIONS Particulars EB(BDT) Daily Monthly Yearly Sales income from Product(s) 3, 500 98, 000 1, 176, 000 Total Sales/commission (A) 3, 500 98, 000 1, 176, 000 Cost of Product(s) 2, 450 68, 600 823, 200 Total Cost of Sales and Services (B) 2, 450 68, 600 823, 200 Gross Profit (C) [C=(A-B)] 1, 050 29, 400 352, 800 1, 000 12, 000 Mobile Bill 300 3, 600 Night Guard Bill 200 2, 400 Other Expenses 100 1, 200 Present salary Assistant 8, 000 96, 000 Shop Rent 1, 600 19, 200 Present salary (Entrepreneur) 6, 000 72, 000 600 7, 200 Total Operating Cost (D) 17, 800 213, 600 Net Profit (C-D) 11, 600 139, 200 Less: Cost of Sales Less: Operating Cost Electricity Bill Non Cash Item Deprecation Expenses

PRESENT & PROPOSED INVESTMENT BREAKDOWN Particulars of products Existing Proposed Investment in products (Partex Board, Readymet Partex furniture Board etc. ) & Sub-box. etc. ) Decoration (fixture and fittings) Cash in hand Bank Balance Advance Debtors Creditors Other Arrear Expense Total Capital Existing Business (BDT) 50, 750 72, 000 4, 000 0 (0) 126, 750 Proposed (BDT) Total (BDT) 90, 000 140, 750 90, 000 72, 000 4, 000 0 (0) 216, 750

SOURCE OF FINANCE ■ Entrepreneur's Contribution BDT 126, 750 (58%) ■ GK's Investment BDT 90, 000 (42%) ■ Total Capital BDT 216, 750

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, 200 117, 600 1, 411, 200 4, 620 129, 360 1, 552, 320 5, 082 142, 296 1, 849, 848 Total Sales/commission (A) 4, 200 117, 600 1, 411, 200 4, 620 129, 360 1, 552, 320 5, 082 142, 296 1, 849, 848 Estimated cost of Product(s) 2, 940 82, 320 987, 840 3, 234 90, 552 1, 086, 624 3, 557 99, 596 1, 294, 748 Est. Total Cost of Sales and Services (B) 2, 940 82, 320 987, 840 3, 234 90, 552 1, 086, 624 3, 557 99, 596 1, 294, 748 Gross Profit (C) [C=(A-B)] 1, 260 35, 280 423, 360 1, 386 38, 808 465, 696 1, 525 42, 700 555, 100 1, 200 14, 400 1, 320 15, 840 1, 452 18, 876 Mobile Bill 400 4, 800 440 5, 280 484 6, 292 Night Guard Bill 200 2, 400 220 2, 640 242 3, 146 Less: Cost of Sales Less: Operating Cost Electricity Bill Other Expenses Shop Rent Proposed salary Assistant Proposed Salary (Entrepreneur) Ownership Transfer Fee 100 1, 200 110 1, 320 121 1, 573 1, 600 19, 200 1, 760 21, 120 1, 936 25, 168 10, 000 120, 000 11, 000 132, 000 12, 100 157, 300 6, 500 78, 000 7, 150 85, 800 7, 865 102, 245 500 5, 500 6, 000 500 6, 500 Non Cash Item Depriciation Expenses 600 7, 200 600 7, 800 Total Operating Cost (D) 21, 100 252, 700 23, 100 277, 200 25, 300 328, 900 Net Profit (C-D) 14, 180 170, 660 15, 708 188, 496 17, 400 226, 200 Retained Income 170, 660 359, 156 585, 356 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 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) 90000 176160 194496 232700 Depreciation Expense 7200 7800 Opening Balance of Cash Surplus 4000 154360 320056 277360 356056 560556 Total Cash Inflow 2. 0 Cash Outflow 2. 1 Product Purchase 90000 2. 2 Investment Payback Including Ownership Transfer Fee 33000 36000 39000 Total Cash Outflow 123000 36000 39000 Total Cash Surplus 154360 320056 521556 3. 0

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 (3 Years) ▢ Can not supply goods and Service as per demand; ▢ Lack of manpower; ▢ Shortage of foods in rainy season; O T PPORTUNITIES ▢ Investors money will be payback in three years. ; ▢ Location of shop; ▢ Increasing demand; HREATS ▢ Theft; ▢ Increase of local competitors;

Presented at 188 th CO Executive Social Business Design Lab (GK) on July 25, 2019 at GT-GK Premises Thank you