Proposed NU Business Name Nurunnahar Dairy Farm Business

Proposed NU Business Name : Nurunnahar Dairy Farm Business Category : Fisharies & Animal Husbandry, Dairy Farm Business Proposal Identified & Prepared by : Md Ahshadul Haque, Unit Manager (Unit Incharge), Jhitka, Manikgonj Region, Zone 1. Business Proposal Verified by : Md Ahshadul Haque

BRIEF BIO OF THE PROPOSED NOBIN UDYOKTA Name and address : Nurunnahar Akter Vill: Basudebpur, Union: Gala, District: Manikganj Age : 24 years Marital Status : Married Children : 1 (One) Son and 1 (One) Daughter No. of siblings : 2 (Two) Brothers and 2 (Two) Sisters Parent’s and GB related Info: (i) Who is GB member : Mother in law (ii) Mother’s name : Shanti Begum (iii) Father’s name : Shonamuddin (iv) GB member’s info : Shanti Begum Branch: Jhitka Horirampur, Manikganj, Centre # 2 Loan no. : 1060, Member since 01 August 2002 Existing loan: Tk. 30, 000 Outstanding loan: Tk. 26, 719 Further Information: (v) Who pays GB loan installment : Entrepreneur's Brother (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 : JSC/Eight Pass(1 to 8 Pass) 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 : She has 3 (Three) year(s) of experience in running her own business. She started the business with BDT 200, 000 (Two Lac) : : Father's occupation: Small/Large Businessman Mother's occupation: Housewife Occupation of other member(s): Small/Large Businessman Other Own/Family Sources of Liabilities : N/A NU’s Contact No. : 01779231164, NU’s NID/Birth Certificate No. : 4203921707 NU Project Source/Reference : Grameen Trust

BRIEF HISTORY OF GB LOAN UTILIZATION BY FAMILY ■ Shanti Begum is a GB member since 01 August 2002, at first she took GB loan BDT 5, 000 (Five Thousand).

PROPOSED NOBIN UDYOKTA BUSINESS INFO Business Name : Nurunnahar Dairy Farm Address/ Location : Basudebpur , Jhitka , Horirampur , Manikganj Total Investment Required in BDT : Tk. 150, 000 Financing : Self Tk. 100, 000 Required Investment Tk. 50, 000 Present salary/drawings from business : BDT 3, 000 (Three Thousand) Proposed Salary : N/A 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. ) : N/A

INFO ON EXISTING BUSINESS OPERATIONS Particulars EB(BDT) Daily Monthly Yearly Sales income from Product(s) 1, 700 47, 600 571, 200 Total Sales/commission (A) 1, 700 47, 600 571, 200 Cost of Product(s) 1, 190 33, 320 399, 840 Total Cost of Sales and Services (B) 1, 190 33, 320 399, 840 510 14, 280 171, 360 Electricity Bill 300 3, 600 Mobile Bill 300 3, 600 3, 000 36, 000 250 3, 000 3, 850 46, 200 10, 430 125, 160 Less: Cost of Sales Gross Profit (C) [C=(A-B)] Less: Operating Cost Present salary (Entrepreneur) 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. ) Investment in Machinaries (Cow Shade etc. ) Cash in hand Bank Balance Advance Debtors Creditors Other Arrear Expense Total Capital Existing Business (BDT) 70, 000 Proposed (BDT) 50, 000 Total (BDT) 120, 000 30, 000 0 0 (0) 100, 000 0 0 (0) 150, 000

SOURCE OF FINANCE ■ Entrepreneur's Contribution BDT 100, 000 (66%) ■ GT's Investment BDT 50, 000 (34%) ■ Total Capital BDT 150, 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, 000 56, 000 672, 000 2, 200 61, 600 739, 200 2, 420 67, 760 135, 520 Total Sales/commission (A) 2, 000 56, 000 672, 000 2, 200 61, 600 739, 200 2, 420 67, 760 135, 520 Estimated cost of Product(s) 1, 400 39, 200 470, 400 1, 540 43, 120 517, 440 1, 694 47, 432 94, 864 Est. Total Cost of Sales and Services (B) 1, 400 39, 200 470, 400 1, 540 43, 120 517, 440 1, 694 47, 432 94, 864 600 16, 800 201, 600 660 18, 480 221, 760 726 20, 328 40, 656 300 3, 600 330 3, 960 363 726 Less: Cost of Sales Gross Profit (C) [C=(A-B)] Less: Operating Cost Electricity Bill Mobile Bill Present salary (Entrepreneur) Ownership Transfer Fee 300 3, 600 330 3, 960 363 726 3, 000 36, 000 3, 300 39, 600 3, 630 7, 260 417 4, 170 417 5, 004 417 826 250 3, 000 250 500 Non Cash Item Depriciation Expenses Total Operating Cost (D) Net Profit (C-D) Retained Income 4, 267 50, 370 4, 627 55, 524 5, 023 10, 038 12, 533 151, 230 13, 853 166, 236 15, 305 30, 618 151, 230 317, 466 348, 084 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 Depreciation Expense 1. 4 Opening Balance of Cash Surplus Total Cash Inflow Year 1 (BDT) Year 2 (BDT) Year 3 (BDT) 50000 155400 171240 31444 3000 500 0 133400 277640 208400 307640 309584 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 133400 277640 304584 3. 0

SWOT ANALYSIS S TRENGTH W EAKNESS ▢ Present employment: Self: 1, Family: 1 Others (beyond family): 0 Future employment: 0 ▢ Skilled and working experiences (3 Years) ▢ Communication problem; O T PPORTUNITIES ▢ Increasing demand; HREATS ▢ Increase of local competitors;

Presented at 634 th FO Executive Social Business Design Lab (GT) on August 20, 2019 at Grameen Trust Premises Thank you