Proposed NU Business Name : M/S Bhaiyan Electronics

Business Category: General Retail & Wholesale

Business Proposal Collectedby: SaddamHossainKazi,Asst.NU , Araihazar,

Narayangonj.
Business Proposal Prepared by: Md. Rafiquel Islam
 BRIEF BIO OF THE PROPOSED NOBIN UDYOKTA
Name and address : Jainal Aladin
Vill: Bhoyrobdi , Union: Fatepur, Post: Sultansadi , Upazila:
araihazar , District: narayanganj
Age : 31 years
Marital status : Married
Children : 01 (One) Sons

No. of siblings: : 01 (One) Brother and 02 (Two) Sisters

Parent’s and GB related Info:

(i) Who is GB member : Mother √ Father
(ii) Mother’s name : Ambia
(iii) Father’s name : Late. Abdus Samad
(iv) GB member’s info : Branch: Bhoyrobdi, Centre # 64/mo,
Loan no: 4774 Membership from 1987 to 2003
First loan: Tk. 5,000
Existing loan: Nil, Last Loan: Tk. 40,000
Further Information:
(v) Who pays GB loan installment : N/A
(vi) Mobile lady : No
(vii) Grameen Education Loan : Nil
(viii) Any other loan : Nil
BRIEF BIO OF THE PROPOSED NOBIN UDYOKTA (CONT…)
Education, till to date : Class Eight

Present Occupation (Besides own : Nil

business, i.e., perusing further
studies, other business etc.)

Business Experiences and 03(Three) years experiences is running his own business. He
Training Info (years of experience, : started the business with BDT 100,000 (One lac).
if s/he received any on- hand
training, formal training, working He has 06 Months working experience as an assisting in local
experience as an apprentice etc.) :
shop.

Other Own/Family Sources of : Nil

Income

Other Own/Family Sources of : Nil

Liabilities

NU’s Contact No. : 01811796394

NU’s National ID No. : 6710294797435

NU Project Source/Reference : Grameen Telecom Trust

 BRIEF HISTORY OF GB LOAN UTILIZATION BY FAMILY

 Ambia is a GB member from since 1987 to 2003 at first she took

GB loan BDT 5,000 (Five thousand).

 Successively several times she utilized GB loan by cultivation

and assisting her son in existing business.

 Finally GB loan helped her to improve economic condition,

livelihood and expanding the existing business of her son.
 PROPOSED NOBIN UDYOKTA BUSINESS INFO
Business Name : M/S Bhaiyan Electronics

Address/ Location : Sultansadi bazar, araihazar, narayanganj

Total Investment in BDT : Tk. 542,000

Financing : Self Tk. 392,000 (from existing business)

Required Investment Tk. 150,000 (as equity)

Present salary/drawings from : BDT 4,000 (Four thousand)

business

Proposed Salary : BDT 5,000 (Five thousand)

Proposed Business
Implementation Plan
(i) % of present gross profit On products 10%
:
margin
(ii) Estimated % of proposed
: On products 10%
gross profit margin
(iii) In future risk mgt. plan
(from fire, disaster etc.)
 INFO ON EXISTING BUSINESS OPERATIONS
EB (BDT)
Particulars
Daily Monthly Yearly
Sales income from products (A) 7,650 214,200 2,570,400
Less: Cost of Sales (Purchase product) (B) 6,885 192,780 2,313,360
Gross Profit (C) [C=(A-B)] 765 21,420 257,040
Less: Operating Cost:
Electricity bill 300 3,600
Shop rent 1,600 19,200
Night Guard bill 150 1,800
Mobile bill 700 8,400
Conveyance bill 2,000 24,000
Bank Charge (DD, PO, SC) -
Ownership Transfer Fee - -
Present Salary (Self and family) 4,000 48,000
Present Salary (Assistant-01) 4,000 48,000
Provision of Bad Debt 8 100
Other Cost (stationary & Entertainment etc.) 1,500 18,000
Non Cash Item:
Depreciation Expenses 185 2,215
Total Operating Cost (D) 14,443 173,315
Net Profit (C-D): 6,977 83,725
 PRESENT & PROPOSED INVESTMENT BREAKDOWN

Existing
Proposed Total
Particulars Busines
(BDT) (BDT)
s (BDT)

Existing Proposed
Investment in products (Different types Investment in products (Different
of TV, Refrigerator, fan, iron, water types of TV, Refrigerator and 317,100 150,000 467,100
filter etc) Electronic items etc)

Investment in Equipments & Tools (Calculator, bulb and fan etc.)

1,500 1,500

Cash in hand
45,000 45,000

Decoration (fixture and fittings)

19,900 19,900

Debtors (Since March, 2016 to at present)

10,000 10,000
Creditors (Since March, 2016 to at present)
(1,500) (1,500)

Total Capital 392,000 150,000 542,000

 SOURCE OF FINANCE
Entrepreneur's Contribution BDT 392,000
GTT's Investment BDT 150,000
Total Capital BDT 542,000

GTT's Investment
28%

Entrepreneur's
Contribution 72%
 FINANCIAL PROJECTION OF NU BUSINESS PLAN
Year 1 (BDT) Year 2 (BDT) Year 3 (BDT)
Particulars
Daily Monthly Yearly Daily Monthly Yearly Daily Monthly Yearly
Estimated sales income from products (A) 10,000 280,002 3,360,027 11,500 322,003 3,864,031 12,880 360,643 4,327,715

Less: Cost of Sales (Purchase product) (B) 9,000 252,002 3,024,024 10,350 289,802 3,477,628 11,592 324,579 3,894,943

Gross Profit (C) [C=(A-B)] 1,000 28,000 336,003 1,150 32,200 386,403 1,288 36,064 432,771

Less: Operating Cost:

Electricity bill 400 4,800 500 6,000 600 7,200

Shop rent 1,600 19,200 1,600 19,200 1,600 19,200

Night Guard bill 200 2,400 250 3,000 300 3,600

Mobile bill (SMS & Reporting) 1,000 12,000 1,100 13,200 1,200 14,400

Conveyance bill 2,800 33,600 3,300 39,600 3,800 45,600

Bank Charge (DD, PO, SC) 30 180 30 360 30 360

Ownership Transfer Fee 1,000 6,000 1,000 12,000 1,000 12,000

Proposed Salary (Self and family) 5,000 60,000 6,000 72,000 7,000 84,000
Proposed Salary (Assistant-01) 5,000 60,000 6,000 72,000 7,000 84,000
Provision of Bad Debt 8 100 8 100 8 100

Other Cost (stationary & Entertainment etc.) 1,700 20,400 1,900 22,800 2,100 25,200

Non Cash Item:

Depreciation Expenses 185 2,215 185 2,215 185 2,215

Total Operating Cost (D) - 18,923 220,895 - 21,873 262,475 - 24,823 297,875

Net Profit (C-D): - 9,077 115,108 - 10,327 123,928 - 11,241 134,896

Retained Income 115,108 239,036 373,932

Notes: 1. Agreed Grace period: Six months

2. Investment Payback schedule: Quarterly 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.)
Year 1 Year 2 Year 3
Sl # Particulars
(BDT) (BDT) (BDT)

1.0 Cash Inflow

1.1 Investment Infusion by Investor 150,000 - -

1.2 Net Profit (ownership tr. Fee added back) 121,108 135,928 146,896

1.3 Depreciation Expenses 2,215 2,215 2,215

1.4 Opening Balance of Cash Surplus - 87,323 153,466

Total Cash Inflow 273,323 225,466 302,577

2.0 Cash Outflow

2.1 Product Purchase 150,000 - -

2.2 Investment Payback including Ownership Transfer Fee 36,000 72,000 72,000

Total Cash Outflow 186,000 72,000 72,000

3.0 Total Cash Surplus 87,323 153,466 230,577

 SWOT ANALYSIS
STRENGTH WEAKNESS

 Present employment:  Can not supply goods as per

Self: 01 Family: 0 demand;
Others (beyond family): 01
Future employment: 0
 Trade License in his own name;
 He has on hand training;
 Good reputation;
 Skilled & working experiences: 03 years;

OPPORTUNITIES THREATS
 Location of Shop;  Increase of local competitors;
 Have some fixed customers;
 Increasing demand;
 The Capital of the entrepreneur will be BDT
765,932 after 3 years excluding payback of
investor’s money.
Presented at 309th as Yunus Centre and 86th In-house Executive
Social Business Design Lab
(GTT) on August 04, 2016 at Grameen Telecom Trust Premises

Thank you
Thank You