(A Nobin Udyokta Project)Presented by: Md.Ruhul Amin

29th SB Design Lab (executive session) 17th September, 2014 at Yunus Centre

Name : Md. Ruhul Amin

Age : 30 years

Marital status : Married

Children : N/A

No. of siblings: : 3 Brothers,1 sister

Parent’s and GB related Info

(i) Who is GB member

(ii) Mother’s name

(iii) Father’s name

(iv) GB member’s info

Further Information:

(v) Who pays GB loan installment

(vi) Mobile lady

(vii) Grameen Education Loan

(viii)Any other loan like GCCN, GKF

(ix) Others

:

:

:

:

:

:

:

:

:

Mother Father

Mrs. Jahana Begum

Mr. Humayun Kobir

Branch: Sonapur Centre: 4/m Loan no.1405

Member since 22-08-1993 First loan: Tk 5000 Existing loan: Tk. 48000, Outstanding: Tk 39012

Father

N/A

N/A

N/A

N/A

Education, till to date : Class Ten

BRIEF BIO OF THE PROPOSED NOBIN UDYOKTABRIEF BIO OF THE PROPOSED NOBIN UDYOKTA

Present Occupation : Tailoring

Business Experiences

Training Info

:

:

12 years

Previously worked as a worker in a Tailoring Shop

Other Family Sources of Income

: Father has a dairy farm (4 cows)

and he also does agricultural works

Other Own/Family Sources of Liabilities

: N/A

NU Project Source/Reference

: GT Ramgonj unit office,Laxmipur.

BRIEF BIO OF THE PROPOSED NOBIN UDYOKTA (CONT…)BRIEF BIO OF THE PROPOSED NOBIN UDYOKTA (CONT…)

BRIEF HISTORY OF GB LOAN UTILIZATION BY BRIEF HISTORY OF GB LOAN UTILIZATION BY FAMILYFAMILY

-Built own house using GB loan.

-Bought some pieces of agro-land.

-NU’s Father started his dairy farm with GB Loan.

PROPOSED NOBIN UDYOKTA BUSINESS INFOPROPOSED NOBIN UDYOKTA BUSINESS INFOBusiness Name : Chamak Fashion and Tailors

Address/ Location : Baluya Choumuhoni bazar, dokkhin par,Ramgonj, Laxmipur.

Total Investment in BDT : 300000/-

Financing : Self BDT 100000/- (from existing business) 33 %

Required Investment BDT 200000/- (as equity) 67 %

Present salary/drawings from business (estimates)

: 15980/-

Proposed Salary 10000/-

Proposed Business Implementation Plan

(i)% of present gross profit margin

(ii) Estimated % of proposed gross profit margin

(iii) Agreed grace period

:

:

:

25%

25%

11 months

Self employment for the entrepreneur.

Become a Prominent Nobin Udyokta.

Create employment opportunities for others (especially

for family members of Grameen Bank Borrowers).

Cater to demand for clothing products and tailoring

services in the community.

Selling quality clothing products to community.

Contribute in improving socio-economic condition.

INFO ON EXISTING BUSINESS OPERATIONSINFO ON EXISTING BUSINESS OPERATIONS

ParticularsExisting Business (BDT)

Daily Monthly Yearly Income from making charge 500 15000 180000Income from cloth sales 5000 60000Gross Profit (C) [C=(A-B)] 20000 240000Less: Operating Costs Electricity bill 450 5400Generator bill 250 3000Shop Rent 1500 18000

Night Guard bill 50 600Servicing 1000 12000Others+ entertainment 350 4200Non Cash Item:Depreciation Expenses 420 5040Total Operating Cost (D) 4020 48240Net Profit (C-D): 15980 191760

PRESENT & PROPOSEDPRESENT & PROPOSED INVESTMENT BREAKDOWNINVESTMENT BREAKDOWN

Particulars

Existing Business

(BDT) (1)

Proposed (BDT)

(2)

Total (BDT)(1+2)

Investments in different categories:

Different kind of stock items (Existing)Sewing machine(7*5000) - 35000/- Furniture - 15000/-Cloths and others - 5000/-Advance - 5000/-Cash on hand - 40000/-

100,000/-

Proposed itemsFolding machine - 150,000/-Cloths( pant, shirt, borkha ,panjabiThree piece, unsteach cloths)and others - 50,000/-

200,000/-

Total Capital 300,000/-

FINANCIALFINANCIAL PROJECTION OF NU BUSINESS PLANPROJECTION OF NU BUSINESS PLAN

ParticularsYear 1 (BDT) Year 2 (BDT)

Daily Monthly Yearly Daily Monthly Yearly

Income from making charge 500 15000 180000 600 18000 216000

Income from cloths 10000 120000 10000 120000

Income from folding machine 250 7500 90000 300 9000 108000

Gross Profit 32500 390000 37000 444000

Less: Operating Costs

Electricity bill 500 6000 600 7200Shop Rent 1500 18000 1500 18000Night Guard bill 50 600 100 1200Entertainment 300 3600 400 4800Mobile Bill (SMS & Reporting inclusive)

60 720 60 720

Proposed Salary- Self 10000 120000 12000 144000servicing 1500 18000 1500 18000Others 300 3600 300 3600

Non Cash Item:

Depreciation Expenses 2350 28200 2350 28200

Total Operating Cost 16560 198720 18810 225720

Net Profit 15940 191280 18190 218280Pay back 120000 120000Retained money 71280 98280

Notes: There is no labor cost. Because labors are get wages from own productions.

SWOTSWOT ANALYSISANALYSIS

STRENGTHLong standing relationship with GrameenWell Known business man in locality.Provide quality Cloths.Experienced and skilled labor.

WEAKNESSCredit salesIncrease products price.

OPPORTUNITIES

Increase the demand of quality clothing products in locality. People are being conscious of qualityCentral point of market beside four way road and near to school.

THREATS

Other competitionLoad shadingTheftFire.

Presented at 29th SB Executive Design Lab on 14 September, 2014 at YC

Thank you

For Further InformationGrameen Trust Phone No : 9017038

Md. Ruhul AminCell No: 01710914168