Proposed NU Business Name Tajin Dairy Farm Business
Proposed NU Business Name : Tajin 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 : Taslima Begum Vill: Gopalpur, Union: Baraid, District: Manikganj Age : 34 years Marital Status : Married Children : 1 (One) Son and 1 (One) Daughter No. of siblings : 1 (One) Brother and 1 (One) Sister Parent’s and GB related Info: (i) Who is GB member : Mother (ii) Mother’s name : Nasima Begum (iii) Father’s name : Ab: Kader (iv) GB member’s info : Nasima Begum Branch: Dargram Saturia, Centre # 27 Loan no. : 2382, Member since 01 January 0001 First loan: Tk. 5, 000 Last loan: Tk. 40, 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 : 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 6 (Six) year(s) of experience in running her own business. She started the business with BDT 35, 000 (Thirty Five Thousand) : : Father's occupation: Farmer Mother's occupation: Housewife Developments from entrepreneur's current business are Land Purchase, Other, Cow Purchase etc. Other Own/Family Sources of Liabilities : N/A NU’s Contact No. : 01729380715, NU’s NID/Birth Certificate No. : 5617028076155 NU Project Source/Reference : Grameen Trust
BRIEF HISTORY OF GB LOAN UTILIZATION BY FAMILY ■ Nasima Begum was a GB member from 01 January 0001 to 01 January 0001, at first she took GB loan BDT 5, 000 (Five Thousand).
PROPOSED NOBIN UDYOKTA BUSINESS INFO Business Name : Tajin 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 5, 000 (Five Thousand) Proposed Business Implementation Plan (i) % of present gross profit margin : From Product 53% (ii) Estimated % of proposed gross profit margin : From Product 55% (iii) In future risk mgt. plan (from fire, disaster etc. ) : From Other 10%
INFO ON EXISTING BUSINESS OPERATIONS Particulars EB(BDT) Daily Monthly Yearly Sales income from Product(s) 1, 200 33, 600 403, 200 Total Sales/commission (A) 1, 200 33, 600 403, 200 Cost of Product(s) 564 15, 792 189, 504 Total Cost of Sales and Services (B) 564 15, 792 189, 504 Gross Profit (C) [C=(A-B)] 636 17, 808 213, 696 Electricity Bill 100 1, 200 Mobile Bill 100 1, 200 Madicine 100 1, 200 Present salary (Entrepreneur) 4, 000 48, 000 Cow Feed 1, 000 12, 000 0 0 5, 300 63, 600 12, 508 150, 096 Less: Cost of Sales Less: Operating Cost 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, 600 44, 800 537, 600 1, 760 49, 280 591, 360 1, 936 54, 208 Total Sales/commission (A) 1, 600 44, 800 537, 600 1, 760 49, 280 591, 360 1, 936 54, 208 Estimated cost of Product(s) 720 20, 160 241, 920 792 22, 176 266, 112 871 24, 388 Est. Total Cost of Sales and Services (B) 720 20, 160 241, 920 792 22, 176 266, 112 871 24, 388 Gross Profit (C) [C=(A-B)] 880 24, 640 295, 680 968 27, 104 325, 248 1, 065 29, 820 Electricity Bill 100 1, 200 110 1, 320 121 Mobile Bill 100 1, 200 110 1, 320 121 Madicine 100 1, 200 110 1, 320 121 Proposed Salary (Entrepreneur) 5, 000 60, 000 5, 500 66, 000 6, 050 Cow Feed 1, 500 18, 000 1, 650 19, 800 1, 815 417 4, 587 417 5, 004 417 409 0 0 0 7, 217 86, 187 7, 897 94, 764 8, 645 8, 637 17, 423 209, 493 19, 207 230, 484 21, 175 Less: Cost of Sales Less: Operating Cost Ownership Transfer Fee Non Cash Item Depriciation Expenses Total Operating Cost (D) Net Profit (C-D) Retained Income 209, 493 439, 977 21, 183 461, 160 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) 50000 214080 235488 21592 Depreciation Expense 0 0 0 Opening Balance of Cash Surplus 0 186580 392068 264080 422068 413660 Total Cash Inflow 2. 0 Cash Outflow 2. 1 Product Purchase 50000 2. 2 Investment Payback Including Ownership Transfer Fee 27500 30000 2500 Total Cash Outflow 77500 30000 2500 Total Cash Surplus 186580 392068 411160 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
Presented at 673 rd FO Executive Social Business Design Lab (GT) on September 24, 2019 at Grameen Trust Premises Thank you
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