Proposed NU Business Name Ramjan Furniture Business Category

Proposed NU Business Name : Ramjan Furniture Business Category Business Proposal Identified & Prepared by : Factories, Furniture Factory : Md. Abu Bakar Siddik, Unit Incharge, Brahaman Baria, Narsingdi Region, Zone 1. Business Proposal Verified by : Md. Abu Bakar Siddik

BRIEF BIO OF THE PROPOSED NOBIN UDYOKTA Name and address : Ramjan Mia Vill: Bara Sultanpur, Union: Sultanpur, District: Brahamanbaria Age : 40 years Marital Status : Married Children : 1 (One) Son and 2 (Two) Daughters No. of siblings : 9 (Nine) Brothers and 2 (Two) Sisters Parent’s and GB related Info: (i) Who is GB member : Mother (ii) Mother’s name : Tohera Khatun (iii) Father’s name : Late Shamsu Miah (iv) GB member’s info : Tohera Khatun Branch: Sultanpur B. Baria, B. baria, Centre # 24 Loan no. : 2051, Member since 02 May 2006 Existing loan: Tk. 30, 000 Further Information: Outstanding loan: Tk. 28, 000 (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 : 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 : He has 14 (Fourteen) year(s) of experience in running his own business. He started the business with BDT 40, 000 (Forty Thousand) : : Mother's occupation: Housewife Occupation of other member(s): Housewife Developments from entrepreneur's current business are Building House/Repairing House etc. Other Own/Family Sources of Liabilities : N/A NU’s Contact No. : 01917089850, NU’s NID/Birth Certificate No. : 1024548842 NU Project Source/Reference : Grameen Trust

BRIEF HISTORY OF GB LOAN UTILIZATION BY FAMILY ■ Tohera Khatun is a GB member since 02 May 2006, at first she took GB loan BDT 10, 000 (Ten Thousand).

PROPOSED NOBIN UDYOKTA BUSINESS INFO Business Name : Ramjan Furniture Address/ Location : Sultanpur Chowmohony Bazar, Brahmanbaria Sadar, Brahmanbaria Total Investment Required in BDT : Tk. 624, 500 Financing : Self Tk. 504, 500 Required Investment Tk. 120, 000 Present salary/drawings from business : BDT 5, 000 (Five Thousand) Proposed Salary : N/A Proposed Business Implementation Plan (i) % of present gross profit margin : From Product 80% (ii) Estimated % of proposed gross profit margin : From Product 80% (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) 2, 500 70, 000 840, 000 Total Sales/commission (A) 2, 500 70, 000 840, 000 Cost of Product(s) 500 14, 000 168, 000 Total Cost of Sales and Services (B) 500 14, 000 168, 000 2, 000 56, 000 672, 000 Electricity Bill 300 3, 600 Mobile Bill 300 3, 600 5, 000 60, 000 25, 000 300, 000 1, 517 18, 200 Total Operating Cost (D) 32, 117 385, 400 Net Profit (C-D) 23, 883 286, 600 Less: Cost of Sales Gross Profit (C) [C=(A-B)] Less: Operating Cost Present salary (Entrepreneur) Proposed salary Assistant Non Cash Item Deprecation Expenses

PRESENT & PROPOSED INVESTMENT BREAKDOWN Particulars of products Existing Proposed Investment in products (Furniture, Investment in products (Wood Different types of Wood furniture etc. ) Decoration (fixture and fittings) Cash in hand Bank Balance Advance Debtors Creditors Other Arrear Expense Total Capital Existing Business (BDT) 270, 000 182, 000 12, 500 0 40, 000 0 (0) 504, 500 Proposed (BDT) Total (BDT) 120, 000 390, 000 120, 000 182, 000 12, 500 0 40, 000 0 (0) 624, 500

SOURCE OF FINANCE ■ Entrepreneur's Contribution BDT 504, 500 (80%) ■ GT's Investment BDT 120, 000 (20%) ■ Total Capital BDT 624, 500

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) 3, 000 84, 000 1, 008, 000 3, 300 92, 400 1, 108, 800 3, 630 101, 640 Total Sales/commission (A) 3, 000 84, 000 1, 008, 000 3, 300 92, 400 1, 108, 800 3, 630 101, 640 Estimated cost of Product(s) 600 16, 800 201, 600 660 18, 480 221, 760 726 20, 328 Est. Total Cost of Sales and Services (B) 600 16, 800 201, 600 660 18, 480 221, 760 726 20, 328 2, 400 67, 200 806, 400 2, 640 73, 920 887, 040 2, 904 81, 312 400 4, 800 440 5, 280 484 Less: Cost of Sales Gross Profit (C) [C=(A-B)] Less: Operating Cost Electricity Bill Mobile Bill 400 4, 800 440 5, 280 484 30, 000 360, 000 33, 000 396, 000 36, 300 1, 000 12, 000 1, 517 18, 200 1, 517 Total Operating Cost (D) 33, 317 398, 800 36, 397 436, 760 39, 785 Net Profit (C-D) 33, 883 407, 600 37, 523 450, 280 41, 527 Proposed salary Assistant Ownership Transfer Fee Non Cash Item Depriciation Expenses Retained Income 407, 600 857, 880 899, 407 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 Year 1 (BDT) Year 2 (BDT) Year 3 (BDT) 1. 0 Cash Inflow 1. 1 Investment Infusion By Investor 120000 1. 2 Net Profit (Ownership Transfer Fee Added Back) 418600 462280 42527 1. 3 Depreciation Expense 18200 1517 1. 4 Opening Balance of Cash Surplus 12500 383300 791780 569300 863780 835824 66000 72000 6000 Total Cash Outflow 186000 72000 6000 Total Cash Surplus 383300 791780 829824 Total Cash Inflow 2. 0 Cash Outflow 2. 1 Product Purchase 2. 2 Investment Payback Including Ownership Transfer Fee 3. 0 120000

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 (14 Years) O PPORTUNITIES T HREATS

Presented at 659 th CO Executive Social Business Design Lab (GT) on September 12, 2019 at Grameen Trust Premises Thank you