Proposed NU Business Name Meghla Dairy Farm Business

Proposed NU Business Name : Meghla Dairy Farm Business Category : Fisharies & Animal Husbandry, Dairy Farm Business Proposal Identified & Prepared by : Md. Razuan Kharim, Unit Manager (Unit Incharge), Saturia, Manikgonj Region, Zone 1. Business Proposal Verified by : Md. Razuan Kharim

BRIEF BIO OF THE PROPOSED NOBIN UDYOKTA Name and address : Mst Juleka Begum Vill: Rajoir, Union: Baraid, District: Manikganj Age : 41 years Marital Status : Married Children : 1 (One) Son and 2 (Two) Daughters 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 : Late Jaheda Begum (iii) Father’s name : Late Usuf Ali (iv) GB member’s info : Late Jaheda Begum Branch: Dargram Saturia, Centre # 38 Loan no. : 5421, Member since 01 January 0001 First loan: Tk. 6, 000 Last loan: Tk. 50, 000 Further Information: (v) Who pays GB loan installment : N/A (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. ) : She has 6 (Six) year(s) of experience in running her own business. She started the business with BDT 30, 000 (Thirty Thousand) : Other Own/Family Sources of Income : Occupation of other member(s): Businessman Other Own/Family Sources of Liabilities : N/A NU’s Contact No. : 01719681396 NU’s NID/Birth Certificate No. : 5617028074358 NU Project Source/Reference : Grameen Trust Developments from entrepreneur's current business are Land Lease, Other, Cow Purchase etc.

BRIEF HISTORY OF GB LOAN UTILIZATION BY FAMILY ■ Late Jaheda Begum was a GB member from 01 January 0001 to 01 January 0001, at first she took GB loan BDT 6, 000 (Six Thousand).

PROPOSED NOBIN UDYOKTA BUSINESS INFO Business Name : Meghla Dairy Farm Address/ Location : Self House Total Investment Required in BDT : Tk. 190, 000 Financing : Self Tk. 140, 000 Required Investment Tk. 50, 000 Present salary/drawings from business : BDT 4, 000 (Four Thousand) Proposed Salary : BDT 6, 000 (Six Thousand) Proposed Business Implementation Plan (i) % of present gross profit margin : From Product 60% (ii) Estimated % of proposed gross profit margin : From Product 61% (iii) In future risk mgt. plan (from fire, disaster etc. ) : From Disaster Recovery Plan 10%

INFO ON EXISTING BUSINESS OPERATIONS Particulars EB(BDT) Daily Monthly Yearly Sales income from Product(s) 1, 000 28, 000 336, 000 Total Sales/commission (A) 1, 000 28, 000 336, 000 Cost of Product(s) 400 11, 200 134, 400 Total Cost of Sales and Services (B) 400 11, 200 134, 400 Gross Profit (C) [C=(A-B)] 600 16, 800 201, 600 Electricity Bill 200 2, 400 Mobile Bill 200 2, 400 4, 000 48, 000 2, 400 1, 500 18, 000 0 0 6, 100 73, 200 10, 700 128, 400 Less: Cost of Sales Less: Operating Cost Present salary (Entrepreneur) Madicine Cow Feed 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 (Milky Cow etc. ) Cash in hand Bank Balance Advance Debtors Creditors Other Arrear Expense Total Capital Existing Business (BDT) 140, 000 0 0 (0) 140, 000 Proposed (BDT) Total (BDT) 50, 000 190, 000 50, 000 0 0 (0) 190, 000

SOURCE OF FINANCE ■ Entrepreneur's Contribution BDT 140, 000 (73%) ■ GT's Investment BDT 50, 000 (27%) ■ Total Capital BDT 190, 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) 1, 300 36, 400 436, 800 1, 430 40, 040 480, 480 1, 573 44, 044 88, 088 Total Sales/commission (A) 1, 300 36, 400 436, 800 1, 430 40, 040 480, 480 1, 573 44, 044 88, 088 Estimated cost of Product(s) 507 14, 196 170, 352 558 15, 624 187, 488 614 17, 192 34, 384 Est. Total Cost of Sales and Services (B) 507 14, 196 170, 352 558 15, 624 187, 488 614 17, 192 34, 384 Gross Profit (C) [C=(A-B)] 793 22, 204 266, 448 872 24, 416 292, 992 959 26, 852 53, 704 300 3, 600 330 3, 960 363 726 Less: Cost of Sales Less: Operating Cost Electricity Bill Mobile Bill Proposed Salary (Entrepreneur) Madicine Cow Feed Ownership Transfer Fee 200 2, 400 220 2, 640 242 484 6, 000 72, 000 6, 600 79, 200 7, 260 14, 520 300 3, 600 330 3, 960 363 726 2, 500 30, 000 2, 750 33, 000 3, 025 6, 050 417 4, 170 417 5, 004 417 826 0 0 0 9, 717 115, 770 10, 647 127, 764 11, 670 23, 332 12, 487 150, 678 13, 769 165, 228 15, 182 Non Cash Item Depriciation Expenses Total Operating Cost (D) Net Profit (C-D) Retained Income 150, 678 315, 906 30, 372 346, 278 Notes: 1. Agreed grace period: Two months 2. Investment Payback schedule: Two Months 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) 50000 154848 170232 31198 Depreciation Expense 0 0 0 Opening Balance of Cash Surplus 0 129848 270080 204848 300080 301278 Total Cash Inflow 2. 0 Cash Outflow 2. 1 Product Purchase 50000 2. 2 Investment Payback Including Ownership Transfer Fee 25000 30000 5000 Total Cash Outflow 75000 30000 5000 Total Cash Surplus 129848 270080 296278 3. 0

SWOT ANALYSIS S TRENGTH W EAKNESS ▢ Present employment: Self: 1, Family: 0 Others (beyond family): 0 Future employment: 0 ▢ Skilled and working experiences (6 Years) ▢ Lack of manpower; O T PPORTUNITIES ▢ Increasing demand; HREATS ▢ Increase of local competitors;

Presented at 552 nd FO Executive Social Business Design Lab (GT) on May 15, 2019 at Grameen Trust Premises Thank you