Proposed NU Business Name Nijam Kala Chas Prokalpa

Proposed NU Business Name : Nijam Kala Chas Prokalpa Business Category : Agriculture & Forestry, Fruit Cultivation Business Proposal Identified & Prepared by : Md. Ansar Ali, Unit Incharge, Modhupur , Tangail, All Zone. Business Proposal Verified by : Md. Abu Bakkar Siddik

BRIEF BIO OF THE PROPOSED NOBIN UDYOKTA Name and address : MD. Nijam Uddin Vill: Danokbanda, Union: Ausnara, District: Tangail Age : 34 years Marital Status : Married Children : 2 (Two) Sons No. of siblings : 5 (Five) Brothers and 3 (Three) Sisters Parent’s and GB related Info: (i) Who is GB member : Mother (ii) Mother’s name : MSt. Anufa Begum (iii) Father’s name : MD. jabed Ali (iv) GB member’s info : MSt. Anufa Begum Branch: Moterbazar Madhupur, Centre # 40 Loan no. : 5195, Member since 10 April 2016 Existing loan: Tk. 49, 961 Outstanding loan: Tk. 36, 761 Further Information: (v) Who pays GB loan installment : Entrepreneur's Mother (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 : School Drop Out/Litterate 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 40, 000 (Forty Thousand) : : Father's occupation: Farmer Income: Tk. 6, 000 Mother's occupation: Housewife Occupation of other member(s): Farmer Developments from entrepreneur's current business are Land Purchase, Other, Investment in existing business etc. Other Own/Family Sources of Liabilities : N/A NU’s Contact No. : 01705772302, 01705772302 NU’s NID/Birth Certificate No. : 9315724368274 NU Project Source/Reference : Grameen Shakti Samajik Byabosha Ltd

BRIEF HISTORY OF GB LOAN UTILIZATION BY FAMILY ■ MSt. Anufa Begum is a GB member since 10 April 2016, at first she took GB loan BDT 20, 000 (Twenty Thousand).

PROPOSED NOBIN UDYOKTA BUSINESS INFO Business Name : Nijam Kala Chas Prokalpa Address/ Location : Danokbanda. Ausnara. Modhupur. Tangail Total Investment Required in BDT : Tk. 170, 000 Financing : Self Tk. 110, 000 Required Investment Tk. 60, 000 Present salary/drawings from business : BDT 5, 000 (Five Thousand) Proposed Salary : BDT 6, 000 (Six Thousand) Proposed Business Implementation Plan (i) % of present gross profit margin : From Product 25% (ii) Estimated % of proposed gross profit margin : From Product 25% (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) 1, 667 50, 010 600, 120 Total Sales/commission (A) 1, 667 50, 010 600, 120 Cost of Product(s) 1, 250 37, 500 450, 000 Total Cost of Sales and Services (B) 1, 250 37, 500 450, 000 417 12, 510 150, 120 400 4, 800 Present salary (Entrepreneur) 5, 000 60, 000 Present salary Assistant 1, 500 18, 000 3, 600 0 0 Total Operating Cost (D) 7, 200 86, 400 Net Profit (C-D) 5, 310 63, 720 Less: Cost of Sales Gross Profit (C) [C=(A-B)] Less: Operating Cost Transportation Expense Mobile Bill Non Cash Item Deprecation Expenses

PRESENT & PROPOSED INVESTMENT BREAKDOWN Particulars of products Existing Proposed Investment in products (Chaff, Investment in products (fertilizer, Kola chara etc. ) Cash in hand Bank Balance Advance Debtors Creditors Other Arrear Expense Total Capital Existing Business (BDT) 110, 000 0 0 (0) 110, 000 Proposed (BDT) Total (BDT) 60, 000 170, 000 60, 000 0 0 (0) 170, 000

SOURCE OF FINANCE ■ Entrepreneur's Contribution BDT 110, 000 (64%) ■ GSSB's Investment BDT 60, 000 (36%) ■ Total Capital BDT 170, 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) 2, 167 65, 010 780, 120 2, 275 68, 250 819, 000 2, 389 71, 670 143, 340 Total Sales/commission (A) 2, 167 65, 010 780, 120 2, 275 68, 250 819, 000 2, 389 71, 670 143, 340 Estimated cost of Product(s) 1, 625 48, 750 585, 000 1, 706 51, 180 614, 160 1, 791 53, 730 107, 460 Est. Total Cost of Sales and Services (B) 1, 625 48, 750 585, 000 1, 706 51, 180 614, 160 1, 791 53, 730 107, 460 542 16, 260 195, 120 569 17, 070 204, 840 598 17, 940 35, 880 500 6, 000 550 6, 600 605 1, 210 6, 000 72, 000 6, 600 79, 200 7, 260 14, 520 400 4, 800 440 5, 280 484 968 2, 000 24, 000 2, 200 26, 400 2, 420 4, 840 500 5, 000 500 6, 000 500 1, 000 Less: Cost of Sales Gross Profit (C) [C=(A-B)] Less: Operating Cost Transportation Expense Proposed Salary (Entrepreneur) Mobile Bill Proposed salary Assistant Ownership Transfer Fee Non Cash Item Depriciation Expenses 0 0 0 Total Operating Cost (D) 9, 400 111, 800 10, 290 123, 480 11, 269 22, 538 Net Profit (C-D) 6, 860 83, 320 6, 780 81, 360 6, 671 13, 342 Retained Income 83, 320 164, 680 178, 022 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 Year 1 (BDT) Year 2 (BDT) Year 3 (BDT) 1. 0 Cash Inflow 1. 1 Investment Infusion By Investor 60000 1. 2 Net Profit (Ownership Transfer Fee Added Back) 88320 87486 14349 1. 3 Depreciation Expense 0 0 0 1. 4 Opening Balance of Cash Surplus 0 58320 109806 148320 145806 124155 Total Cash Inflow 2. 0 Cash Outflow 2. 1 Product Purchase 60000 2. 2 Investment Payback Including Ownership Transfer Fee 30000 36000 Total Cash Outflow 90000 36000 Total Cash Surplus 58320 109806 118155 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 (5 Years) ▢ Communication problem; ▢ Lack of manpower; O T PPORTUNITIES ▢ Increasing demand; HREATS ▢ Theft;

Presented at 592 nd FO Executive Social Business Design Lab (GSSB) on December 31, 2019 at Grameen Shakti Samajik Byabosha Ltd Premises Thank you