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Introduction

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Objectives

We have specific goals & objectives for present and future. Our main objective is to produce

high quality SIM with a reasonable price. Our other objectives are given below:-

To produce SIM card make an example of producing SIM card in Bangladesh.

To provide a high quality product.

To operate the company through a profitable way and to have growth.

To reduce the cost of the Govt. in import SIM card.

Methodology

To make this business plan we have to give all our effort. To prepare this report standard

methods of collecting information and report writing have been used. We used all secondary data

for preparing this report by market survey. We collected all data from internet, magazine,

different books and topic of STP, SWOT, and Promotion. As there is no SIM production

company in Bangladesh, it takes great effort of us to collect information.

As there is no SIM production company in Bangladesh we collect all the data from online

upload.

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Limitations

This study as an empirical study, suffered from some limitations short comings, lapses and many

others obstacles. However, we have tried to give our maximum effort so that this repot and an

acceptable conclusion can be drowned and benefited.

We did not have enough time for preparing this report.

Lack of information.

We did not have sufficient fund for writing report.

Scope

As a new company in Bangladesh we have enough opportunity to success. Bangladesh is a

middle earn small country but now a days it takings great step towards the technical development

of the country. Govt. is taking necessary step to fulfill the mission. So we want to create a great

example.

We have huge market opportunity.

There is no local competitor.

It will help the growth of the economy.

There will be govt. support.

There is less rules and regulation

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Part One: Business

Introduction

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General Description of the Venture

What is a SIM card?

A SIM card, also known as a subscriber identity module, is a subscriber identity module

application on a smartcard that stores data for GSM/CDMA Cellular telephone subscribers. Such data includes user identity, network authorization data, personal security keys, contact lists and

stored text messages.

Security features include Authentication and encryption to protect data and prevent eavesdropping.

The smartcard with Subscriber identity module application is generally known as SIMCARD.

But, In reality, the SIM is effectively a mass-market smartcard.

When the SIM is viewed as a smartcard, it opens up security possibilities that resonate far

beyond the mobile world.

By combining stored evidence of identity (such as a key) with personal information only the user will know (a password, for example), it offers the same two-tier authorisation provided by

smartcards.

It is becoming clear that the SIM --- a feature unique to the mobile world --- has applications far beyond those for which it was originally designed. The clue is in the name --- Subscriber Identity

Module. It was created to remotely authenticate users to the network and to the billing systems that allow operators to generate revenues from voice traffic.

The GSM standards as specified by ETSI requires authentication of a mobile subscriber through

a secure device (the SIM card).

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Functionality of the SIM card?

The SIM card performs the following valuable functions:

1) Identificationof a subscriber: The IMSI programmed on the SIM card, is the identity of a

subscriber. Each IMSI is mapped to a mobile number and provisioned on the HLR to allow a subscriber to be identified.

2) Authenticationof a subscriber: This is a process, where, using the authentication algorithm

(COMP128V3 for 2/2.5 G GSM, CAVE for CDMA and Milenage for 3G) on the SIM card, a unique response is provided by each subscriber based on IMSI, Ki (stored on SIM) and RAND (provided by network). By matching this response with values computed on the network a legal

subscriber is logged on to the network and he or she can now make use the services of the mobile service provider.

3)Storage: To store phone numbers and SMS.

4) Applications: The SIM Tool Kit or GSM 11.14 standard allows creating applications on the

SIM to provide basic information on demand and other applications for m-commerce, chatting, cell broadcast, phonebook backup, location based services etc.

Subscriber information, such as the IMSI (International Mobile Subscriber Identity), is stored in

the Subscriber Identity Module (SIM).

The Subscriber Identity Module (SIM) can be used to store user-defined information such as phonebook entries.

One of the advantages of the GSM architecture is that the SIM may be moved from one Mobile Station to another. This makes upgrades very simple for the GSM telephone user.

Subscriber information, such as the IMSI (International Mobile Subscriber Identity), is stored in the Subscriber Identity Module (SIM).

The Subscriber Identity Module (SIM) can be used to store user-defined information such as phonebook entries.

One of the advantages of the GSM architecture is that the SIM may be moved from one Mobile Station to another. This makes upgrades very simple for the GSM telephone user.

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Figure: Classification of the basic functions of the SIM in the GSM system

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Industry Background

Brief History of SIM card:

The history of the SIM card is closely related to the history of the GSM mobile network. GSM is an acronym for the Global System for Mobile Communications, a set of protocols designed to

provide interface between second generation wireless telephones. The GSM network was first proposed in the early 1980s, and development began in 1982. In 1987, the European Union passed legislation to mandate the GSM standard throughout Europe. Once the standard became

ubiquitous, mobile telephone users were guaranteed compatibility with other European users. The GSM still serves approximately 80 percent of the global wireless market and is used in at

least 212 countries and territories.

The first SIM card was created in 1991, and these devices quickly became a crucial part of GSM networks. The cards are based on integrated circuits called subscriber identity modules, hence the name SIM. These modules store information required for authentication, allowing the

user’s phone to attach to a GSM network. Each card has a serial number as well as network information, and users can remove the card from one phone and install it in a new one without

registering the device.

The ability of users to switch their data to new mobile devices is advantageous in many ways. If a subscriber’s phone runs out of batteries, he or she can install the SIM card into a friend’s phone while still using the minutes attached to the card’s

wireless plan. SIM cards can also store authentication information for up to 80 networks,

allowing users to take advantage of the best networks available when traveling.

The first SIM cards were about the size of a credit card, but they shrank over time to the size of a

postage stamp. SIM cards also developed increasingly advanced functions and storage

abilities. Modern cards are able to store information such as contact lists, user locations and phone numbers, text messages, patches, and

settings. They also store applications and allow users to access them from any phone.

Nano-SIMs, which are about 15 percent smaller than their predecessors, were introduced in early 2012. Nano-SIMs are used for all iPhone 5 models as well as cellular-capable iPad minis. Despite their small size, these cards can store as much data as larger cards. Many mobile phone

SIM Card Sizes

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providers are also offering virtual SIMs. Virtual SIMs are phone numbers that allow users to connect their mobile phones to other devices without the use of a physical card. Other

innovations include sophisticated embedded SIMs that can be attached directly to circuit boards.

Design

The SIM Card can be seen as a composition of at least three constituent parts:

- The physical card (the storage carrier).

- An integrated circuit card micro-processing chip (the operating system and content storage device). - The subscriber identity module; an area of physical memory allocated at manufacturing for pre-

market and post-market recording by the mobile network operator and SIM user. - A fourth constituent part could be a Card with an etched antenna for RFID/NFC for use by

(US)SIM (but this part is not included or discussed at this stage). - etc

To enable test and inspection of these constituent parts GSM approved and adopted GSM11.17 to assist manufacturers, operators and service providers help formalise and uniform the test and

inspection procedures rather than have a mish-mash of randomly selected tests for SIM cards submitted for use in GSM. The former is highly desirable as the goal of GSM has always be about interconnection-compatiblity and interconnection backward-compatibility. By way of

illustration, a GSM SIM Card Phase 1 should still be able to be inserted into a GSM Phase 2+ mobile device and allow communications to take place, unless the operator or device

manufacturer has declared and stated otherwise. From an examiner's viewpoint we would desire to know how those three constituent parts

translate to the work we do? Some examples are set out below

Physical Card Due to the form factors used in GSM we can make assessment to determine the supply chain and manufacturer of the card itself. We look at the card to see if has been cut down for use and any

attempts of anonymity by removal of the SIM Serial Number (SSN) compared to manufacture polarisation techniques. Later 3G/LTE USIM Cards have undergone some changes since GSM's

inception; the latter will be dealt at a later date.

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ICC Chip Manufacturer and technical specification are important to determine a range of potential

evidence, including release into the marketplace and technological and electronic capability. Clearly the geometry and memory mapping are important. There are various techniques to deal with a card with a damaged chip. One example is called 'acid-etching' used to gain access to the

physical chip itself by removal of the outer protective coverings used in the manufacturing process.

Image courtesy of wikipedia - http://en.wikipedia.org/wiki/Subscriber_Identity_Module

Physical Memory Determining geometry and memory mapping forms part of the testing and inspection process set out in GSM1117. We can use these procedures to formulate a forensic analysis programme,

similar to the way in which computer forensic examiners seek to determine specifically data discovered and recovered from a particular memory location on the HDD and define the data

from its binary and encoded states and any formatting that may be applicable to the data. That being so, would it be out of the question in SIM examination terms for the EFBCCH file to be formatted as .bmp? Below are a set of

powerpoint slides I have prepared so that examiners can comprehend procedures approved and adopted for test and inspection for GSM

SIM Cards. Later on when we 3G/LTE (U)SIM this GSM starting point assists formulate how to identify differences between the various (U)SIM/LTE cards but equally identify expansion of technology

services and content so the examination limit or avoid omissions during the investigative/evidential process.

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Company Background

Company’s Vision :The vision is to capture the market in Bangladesh and after some

years and gaining customer loyalty launch it around the globe also to position the product

as user friendly and cheap. We want to become the technology leader, trusted partner, and preferred provider of

products, services, and solutions in all our markets. We act with intercultural excellence and entrepreneurial drive

Company’s Mission: Our company mission is to provide innovative and secure

technology.We want to delivering secure mobile applications and services across all devices that can access wireless networks.

"We make the world secure by ensuring reliable connection and the authenticity of

identities”

This is our mission. It is what unites us as a company with locations on all continents and

with a truly international workforce.

Company’s History:LAAMP SIM Production (Pvt.) Ltd is the first SIM Card

producing Company in our country. Major Telecom companies in our country usually

import SIM Card till now. This idea first came in our thinking at March of 2014. From

this date we are working for building of our company. Other identifications are given

below :-

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NAME ADDRESS

LAAMP SIM PRODUCTION

(Pvt.) Ltd

LAAMP SIM PRODUCTION (Pvt.)

Ltd

91,Motijheel Commercial Area

Dhaka-1000

Phone: 9128506

Cell : +880 1672910584

Fax :88-02-9560299

E-mail :alwaysshining@gmail.com

Another office is situated in our servicing office. The address of this office in given below:-

ADDRESS

BCIC Bhaban (8th

Floor,30-31 Dilkhusha

C/A

Dhaka-1000.

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Goal/ Potential of the Venture

Grameenphone, majority controlled by Norway’s Telenor, AKTEL, majority owned by Telekom

Malaysia, and state-run TeleTalk are the customers of the company.

The local and multinational operators import SIM cards at an average cost of $2.5 each.

The country’s telecommunication penetration rate is only 30 percent now and so there remains a

big untapped market. As per the market insiders’ projection, the number of telecom customers

would be 50 million by the end of this year.

Uniqueness of the product

We produce such a product, consumption of which is growing day by day. The unique features

of the product of our company is as follows:

No competitor

Huge potential market

Increasing demand of the product

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Part Two: Management

Aspect

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The Promoter

The promoters of LAAMP SIM Production (Pvt.) Ltdare well educated and competent. They all

came from different business administration sector. The main idea came fromAadibaaPrittywho

is currently a member of board of directors. The other members of the group supported her. All

the member unitedly gave a concrete shape to that idea. The name of the promoters of our

company is given below:

AdibaaPritty

RoksanaAkter

Ananna Das

Flora Sharmin

PriyankaBishwas

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Shareholding of the owner

The total share capital of the company isTk109,200,000

Shareholding of the owners is as follows

Name Status Share Holding Percentage

PriyankaBishwas Managing Director 30%

AadibaaPritty

General Manager 10%

RoksanaAkter Marketing and Sales Manager

25%

Ananna Das Production & HR Manager 15%

Flora Sharmin Accounting & Finance Manager

20%

10

25

15

30

20

Share %

Aadibaa Pritty 10%

Roksana Akther 25%

Ananna Das 15%

Priyanka Bishwas 30%

Flora Sharmin 20%

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Summary of Qualification

Name Age Post Academic

Qualification

Experience

PriyankaBishwas 42 Managing Director

MBA (Finance)

2 Years

AadibaaPritty 38 General

Manager

MBA (Finance) 2 Years

RoksanaAkter 37 Marketing and Sales Manager

MBA (Marketing)

2 Years

Flora Sharmin 39 Accounting & Finance

Manager

MBA (Finance)

2 Years

Ananna Das 38 Production & HR Manager

MBA (HR) 2 Years

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Legal form of Business

Primarily we want to establish as a Private

Limited Company. We are five

entrepreneurs.In future we may move into

(public limited company). Our company

needs huge amount of capital. For this

reason, we may have become public limited

company but firstly we are not trying to be

so. Firstly, we want to take risk by ourselves.

At the beginning, we may not get responses from general investors who will be willing to invest

in our company. Besides, we want to make a valuable image in this field by running it through

private limited company. We want to make example here.

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Organization Structure

Board of Directors

Managing Directors

General Manager

Production Manager

Specialist In Technology

30 Workers

Finance Manager

2 Employees

Account Manager

2 Employees

HR Manager

2 Employees

Marketing and Sales Manager

5 Employees

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Management Team

Our day to day management will be conducted by a group of experienced and talented managers.

We shall hire 3employees from Japan for different duties. Some of them will directly join to the

management. Owners of our company will also join the chief management of the company.

Owners will be contracted with the company and run the top management. Our organization

chart clarifies the position of the managers and employees.

Name Designation

PriyankaBishwas Managing Director

AadibaaPritty

General Manager

RoksanaAkter Marketing and Sales Manager

Ananna Das Production & HR Manager

Flora Sharmin Accounting & Finance Manager

Consultants& Advisors

Any three of the members of the above chart will be active members of the management.

Advocate AbdurRajjak, layer of the Supreme Court will provide us legal support.

Mr. MojidHossin will be our banker.

We shall have additional two specialists from Japan for providing mentors and adversary

support.

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Banks

The partners of the company are solvent and they have good liquid cash. But still they need some financial support from financial institutions. The management of the company has selected two banks for submitting he business proposal and feasibility study for their kind perusal –

1. Prime Bank 2. Uttara Bank Ltd

Total Capital: Tk

Bank Loan

Owner’s Equity

Auditors

External Auditors:

A. Wahab& co.

B. Swakat Hossain

C. Abdul Wahab

Internal Auditor:

Our business partners are our internal auditors.

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HR Management

Staffing Need

Though we are going to start a new business we are going to keep enough

employees in our service

Post Current Employee Managing Directors

01

General Manager

01

Finance & Account

Manager

01

Marketing and Sales Manager

01

Production & HR Manager

01

Specialist In Technology

03

Finance employee 02

Account employee 02

HR employee 02

Marketing and Sales employee

05

Workers 30

Staffing Planning:

The managerial posts will be occupied by our shareholders. We will hire 03 technological

experts from Japan to help us with the production. The employees will be selected according

to their qualification and previous experience in the related field. We will recruit labor that is

locally available. First we select labor on the basis of post experience, and then we will give

priority to those people who live near to our factory. After selection of labor we will give

them training to improve their knowledge about the machine and factory operation.

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Part Three

Technical Aspects

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Introduction

The Global System for Mobile Communications (GSM) standards for cellular networks,

originally developed by the European Conference of Postal and Telecommunications

Administrations, was continued by the European Telecommunications Standards Institute and

are now maintained by the 3rd Generation Partnership Project (3GPP). Commercial GSM service

was started in mid-1991. By 1993, thirty-six GSM networks were operating in twenty-two

countries (Dechaux and Scheller 1993). Although begun in Europe, GSM is an international

standard with compliant networks operational in more than 200 countries around the world

(GSM World 2006).

Subscriber Identity Modules (SIMs) are synonymous with mobile phones and devices that

interoperate with GSM cellular networks. Under the GSM framework, a cellular phone is

referred to as a Mobile Station and is partitioned into two distinct components: the Subscriber

Identity Module (SIM) and the Mobile Equipment (ME). As the name implies, a SIM is a

removable component that contains essential information about the subscriber. The ME, the

remaining radio handset portion, cannot function fully without one. The SIM’s main function

entails authenticating the user of the cell phone to the network to gain access to subscribed

services. The SIM also provides a store for personal information, such as phone book entries and

text messages, as well as service-related information.

GSM standards are organized in a number of ways, one of them being the phase of capabilities

they support. The three phases defined are phase 1, phase 2, and phase 2+, which correspond

roughly to first, second, and 2.5 generation network facilities. SIMs are often classified

according to the phase of the specifications supported, which is recorded in an element of its file

system (i.e., EFPhase). Another class of SIMs in early deployment is UMTS SIMs (USIMS)

used in third generation (3G) UMTS (Universal Mobile Telecommunications Service) networks.

USIMs are enhanced versions of present-day SIMs, containing backward compatible

information.

Some of the earliest, general purpose, forensic tools for cell phones targeted SIMs, not only

because of detailed specifications available for them, but also because of the highly relevant and

useful digital evidence that could be recovered. This paper provides a review of present-day

forensic tools for SIMs and the type of data they recover, plus an assessment of their capabilities

and limitations.

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Production Technology

A Subscriber Identity Module (SIM)is a 'SMART' card, which holds all the information

required to identify a particular Subscriberto a mobile service. It is a micro-controller (consists of

CPU, ROM, RAM and EEPROM) embedded in a plastic PVC/ABS card and containing

programmed files specified by the service provider to ensure proper operation in GSM

environment. The plastic PVC/ABS card contains the service provider's specified artwork.

TYPICAL BLOCK DIAGRAM OF SIM

User RAM

User EEPROM

User ROM

System ROM

Memory Access Firewall

Timer

System Access

Firewall

CPU Clock

Generation

Module

Security &

Configuration

Administration

Random

No.

Generator

Serial I/O

Interface

INTERNAL BUS

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Hardware Components: The SIM Card has CPU, ROM, RAM and EEPROM and Digital Coprocessor (64K Card) as

integrated Hardware Components.

CPU (Central Processing Unit):

The CPU is the intelligence of the Chip and performs all the mathematical calculations and takes all the decisions required by the SIM.

ROM (Read Only Memory):

The ROM will have a sufficient memory to store the Operating system which is the set of commands that SIM understands. The data is permanent and it should not be possible to change them.

RAM (Random Access Memory):

RAM is an area of volatile memory and its contents are lost each time the power is turned off. It is used to store temporary system flags to buffer, the incoming data and as a scratch pad for calculations. The memory of RAM should have at least 3KB.

EEPROM(Electrically Erasable Programmable ROM):

The EEPROM memory stores all of the application data such as the Operator specified parameters (e.g. IMSI) and the subscriber data (e.g. Abbreviated Dialing No). The information is retained even after the power is turned off and can be modified or erased using specific electrical

signals.

Therefore the SIM card contains all of the details necessary to obtain access to a particular account. These details come down to just 2 items of information.

IMSI – International Mobile Subscriber Identity – a unique number for every subscriber in the world. It includes information about the home network of the subscriber and the

country of issue. This information can be read from the SIM provided there is local access to the SIM (normally protected by a simple PIN code). The IMSI is a sequence of up to 15 decimal digits, the first 5 or 6 of which specify the network and country.

Ki – the root encryption key. This is a randomly generated 128-bit number allocated to a

particular subscriber that seeks the generation of all keys and challenges used in the GSM system. The Ki is highly protected, and is only known in the SIM and the network’s AuC (Authentication Centre). The phone itself never learns of the Ki, and simply feeds the

SIM the information it needs to know to perform the authentication or generate ciphering keys. Authentication and key generation is performed in the SIM.

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Authentication Procedure The network generates a 128-bit random number, known as the RAND, which it then uses the

A3 algorithm (see figure) to mathematically generate an authentication token known as the SRES. It then sends the RAND to the phone for the phone to do the same. The SIM generates the

32-bit SRES, which is returned to the network for comparison. If the received SRES matches the network’s generated SRES, then the Ki’s must be the same (to a high mathematical probability), and the phone has proved knowledge of the Ki and is thus authenticated.

The SIM authentication concept

Additional local security in the SIM

The SIM itself is protected by an optional PIN. The PIN is entered on the phone’s keypad, and

passed to the SIM for verification. If the code does not match with the PIN stored by the SIM,

the SIM informs the user (via the phone) that code was invalid, and refuses to perform

authentication functions until the correct PIN is entered. To further enhance security, the SIM

normally “locks out” the PIN after a number of invalid attempts (normally 3). After this, a PUK

(PIN Unblock) code is required to be entered, which must be obtained from the operator. If the

PUK is entered incorrectly a number of times (normally 10), the SIM refuses local access to

privileged information (and authentication functions) permanently, rendering the SIM useless.

Logical Model

Logical structure of SIM, the code associated with it and the structure of files used shall be in

accordance with GSM TS 11.11. The various files in the SIM like Master file, Elementary file and dedicated files are organized in a hierarchical structure. These files may be either

administrative or application specific.

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Master File (MF) This is the unique mandatory file containing access conditions and optionally DFs and or EFs.

Dedicated File DF

A dedicated file contains access conditions and optionally, Elementary files (EFs) or other Dedicated Files (DFs).

Elementary File EF Elementary file is one, which contains access conditions and data and no other file.

The following drawing gives an overview about the complete production area for the personalization of GSM card type. From the point of view of the organization it consists of the different processes for Module Testing, Module Lamination, combined Milling & Implanting,

Punching, Personalization and Quality Control.

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Production Centre Area SCT2400

Chip Module

testing

Chip Module

Lamination

Card Milling

& Implanting

GSM

Punching

CMT CML CMI CMP

Quality Check Personalizatio

n

SCF2300

SCT2400 SCP

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SIM Card Raw material

Chip Module – 32K,64k,128k and 256k Micro-module

PVC / ABS Cards – ID1 size cards

Heat Activated Tape – The Glue of the tape gets activated at a particular

temperature, the glue itself is not sticky at room temperature. The glue melts completely at a particular temperature

higher than the activation temperature.

Micro module components

CPU: Central Processing Unit - Microprocessor

ROM: Read Only Memory (Non Volatile)

EEPROM: Electrically Erasable Programmable RO Memory (Non-Volatile)

RAM: Random Access Memory (Volatile)

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Basic Production Process

Utilities

Utilities like gas, water, electricity are must for any kind of industry. For a company like LAAMP, is a technology based company, electricity is needed a huge in amount. To produce

SIM there need a lot of machinery, most of them are operate on gas/ electricity. So these two are really necessary requirement for starting the production. To ensure all these facility we choose Savar. As it is EPZ area there are enough supply of those. We also contact with the local office

of all this supply company.

Layout

For Factory There will be two stored factory.1st and 2both floor of the office building wii be used for production where all the machineries are equipped with the area of total 16000 sft. Both the floor

is air conditioned and according to the EMV standard. There will be enough technology supporters. All types of work will be computerized. There will be a secure and friendly atmosphere.

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Office Layout

Office floor fully designed with world class furniture imported from Malaysia. Have individual desk for each employee. There is one conference room with seat arrangement of 20 peoples. An

air conditioned dining hall has the seat arrangement of 60 persons where microwave and refrigerator is available for the fresh food.

Information & Communication

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For better communication and share information we use all the modern communication method

etc. For the betterment of the company we will provide personal SIM for the employee to use official purpose. We ensure to provide enough information for all.

Telecom, Telephone,

Internet, Etc

R&D Plan

We will be the pioneer venture in providing SIM card solutions and services with world-leading R & D and manufacturing capabilities in the smart card application field of telecommunication, finance, identity authentication & security and Scratch off personalized cards. Our Production

will be facility and security management is in compliance with the EMV specification.

Equipment

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Chip Module Test Handler (CMT) Machine

It designed for incoming quality test of IC-Modules for Smart Cards coming on standard or super 35 mm tapes. The system performs following operations:

Counting of modules

Electrical test / Initialization of modules

Optical inspection of modules

Mechanical thickness measurement

Marking of defect modules by reject punching

Chip Module Lamination (CML) Machine

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The glue tape preparation system prepares the IC modules for hot implanting process. Glue tape received in reels, is pre punched (Glue tape is punched on punching unit with standard or

customized hole diameters to guarantee good lamination - avoid bubbles by air leak) by the system and are laminated with a heated unit onto the back side of the module tape. Module and adhesion tape are laminated together by heat, pressure and time.

Card Milling and Implanting (CMI) Machine

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The system performs following operations-

Milling Station – For milling

Cavity in the card as per the dimension of the Chip Module.

Pick & Place Unit – cutting the

Laminated Chip Module from the Module Tape and fixing it on the milled cavity.

Tacking and welding Stations

for implanting of Chip modules on milled cards-

Cooling and module height measuring Station

ATR (Answer To Reset)Test

Chip Module Punching (CMP) Machine

It is designed to pre-punch GSM-cards (SIM-cards) out of plastic card bodies according to ISO-Standard or corresponding to customer requirements. A transport system feeds the

cards to the punching- and stamping station, where the GSM-cards are punched and cut

on the front and back side, so that the modules can be easily broken out of the card body by the customer. After stamping, only

narrow “bridges” of plastic connections between main card body and GSM-card are

remaining.

Smart Card Personalization

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(SCP) Machine

The SCP performs the following tasks:

Chip – Encoding , - Initialization, - Personalization

Laser – Engraving

Using a flexible and intelligent pick & place system the cards are transported from the main transport system to one of the available encoding stations. After the encoding-process, the cards are delivered back to the main transport system for transfer

to the next module for Laser engraving of 19 digit ICCID Number on the SIM card .Rejects are produced once again automatically

Before personalization of cards, required data/ Technical Details are received from the concerned Telecom circles, consisting of following details.

1. 15 digit IMSI Number

2. 19 digit ICCID number 3. Customer care number

4. SMSC number

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5. SMSC number for OTA(Over The Air)

6. SIM Card Type i.e. Pre-Paid, Post paid. Etc.

7. Quantity to be supplied

Initially two sample cards are made with given data and then checked with SIM testing tools for the correctness of data entered into SIM Card during personalization. If required these two SIM

cards are got activated with the help of concerned circles for Network and OTA(Over The Air ) functionality check . If found satisfactory, then bulk production is started. During bulk production also, few samples form each batch of production are checked for data

entered in the card during personalization with the help SIM card tester to ensure the correctness

of data entered during personalization.

Product and Services

LAAMP is the most reputable

Bangladesh-based SIM Card manufacturer. Efficient and flexible manufacturing facilities allow SIM card

to fulfill the needs of customers in a timely and cost-effective manner.

Various kinds of SIM can be offered depending on customer's demand. Each kind of SIM is in accordance with ISO.

GSM SIM/CDMA RUIM Memory size: 16K~128K and

above

Advanced machineries with large production capacity.

Currently Silk Card can produce 2.5

million cards per month.

Location

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Location analysis:

Factory location:

Site selection for any industry is very much vital. Our factory ground is in Ulail, Genda, Savar

1340. To be close to raw materials & utility service we have chosen our site near the capital. Our

total land will be ready for the industry.

Office location:

SIM Company all over the country is the customers of our products. So we don’t think where to

locate our office. However considering the timely supply we proposed our location at Motijhil.

Production Flow Chart

Factory location

Location

Office location

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Suppliers & Sources of Raw Materials

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A SIM card needs basically a chip and well-equipped testing facilities and strong technical force.

Plastic. We contact a renowned supplier from China for microchip. Shenzhen Acon Electronics Limited is a manufacturer of integrated circuits witha wide range, good quality, reasonable prices and stylish design, their products are extensively used in civil, industrial, military and other

electronic products. Their product are widely recognized and trusted by users and can meet continuously changing economic and social needs.

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Part Four

Marketing Aspect

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Current Scenario in Bangladesh

SIM isn’t produce in Bangladesh till now. It imports from

various country like as China, Australia, Germany, USA etc.

It is expensive than making locally. That’s why it’s difficult

to provide cheaper SIM in Bangladeshi market. This SIM will

be locally produced with the best quality and its supply will

be in promised time. We will produce it on our own factory in

Savar and our main office will be in Motijhili. There will be

enough machinery to produce high quality low price product

in a short period of time. The current situation of market can

be predict from these tables that mobile phone usage is

increasing day by day and there is a lot of scope in telecom

industry. Bangladesh’s telecom market is growing at a CAGR

of 75.8% in the last four-year period 2008-2013. The year-on-

year growth rate has slowed recently, to 38.5% in 2013 as Telco operators were less aggressive

in SIM tax subsidies, but accelerated sharply in the first half of this year and by the end of

September 2013 there were a total of 85 million cellular customers, up by 35% in the preceding

twelve months. By that date wireless penetration had crossed 50%.As the increase in the rate of

mobile selling we will get more opportunity to sell more SIM to fulfill the local demand.

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Situation Analysis

Market summary:

We are the first SIM production and processing company in Bangladesh. Before that different

company would have to import products from abroad. So the price rate was probably high than

the other country. But now we produce lower cost high quality product. It will increase our

economic growth and ensure a develop SIM production factory that will be able to compete with

top listed the SIM production company in a near future. It will create employment opportunity

for the local people and create a opportunity to innovate new technology for the development of

telecommunication industry.

SWOT Analysis

Strengths

There is low cost production process.

A very few competi tors are exists in the market .

Increasing local demand.

Rapid growth of Tele Communication Industry

Technology has risen, in 1995 0.4% of the population used

the internet and technology and from September 2010 a

total of 28.8% of the world’s population are technology

users.

Very unique and there is no other i tem that can do this.

Great for business men/women that travel a lot .

Heading into a market where new technology is being

produced every month.

Our staffs are very much dedicated.

We have good debt repayment report .

at ion.

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Weakness

Will have to wait for new forms of phones and laptops out for it to

work.

New established company in Bangladesh.

We have least knowledge about our market.

Our business in the amateur position.

Lack of Technical knowledge.

Not enough opportunity for expert consultation.

There is no enough supply of raw materials in the market.

Price of the machinery is really high.

Shortage of capital.

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OPPORTUNITIES

Large market opportunity.

The demand of our product is very high.

Government is increasing facilities for this business.

We are able to widen our product onto other phone company.

We are able to advance our product if it is successful at the

beginning.

There is no competitor present, so there will be enough advantage to

be the first in this industry.

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THREATS

As the market is renowned as highly profitable and easy to serve

many companies are entering the market with some kinds offering

and features.

We have business diversity Risk.

Potentially new technology could provide a better service than

our product.

Future financial crisis could mean the pricing of the product

could move up and down drastically

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Competitor analysis:

Our primary market reveals our competitive position. Our

competitors are both local and imported SIM Card. We

think, at the beginning, we are like a child industry so we

can’t do such thing that will influence the whole market.

Here has a matter of customer preferences. They prefer

branded product. They also want to continue the relationship

that already they have. Because there is risk they found to

connect with a new established company. So it will be really

difficult for us convince them to use our product. The most

of the telecommunication company of Bangladesh are

foreign company, so there will be rise a lot difficulty to

convince them. We have to contact with the government for

the policy to provide a certain amount of total supply will be provided by us for the

telecommunication industry.

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STP Analysis:

Market Segmentations

As a Manufacturing company we produce our product

considering market basis. We find many difficulties to

segment its marketing in the sense of mass marketing. But

after thinking about our target market we decided to segment

or device our local market in 3 nature of market bellow.

Local Market

Government market

Global Market

Target Market

As first in this industry we target for leading the Local market, means the SIM Company operate in this country. Then we gradually want to capture all others market segment. We want to make deal with the govt. for provide 40% of the total demand in our country. We want to reach all the

people like- businessman, young generations, travelers etc in a reasonable price and with a higher quality product. Our SIM will provide all the facility those are available in the market and

we will try to provide some unique features also that will be helpful for the users.

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Market Positioning

We are standing our business as a new organization. So we must have to concentrate on to stay

in the market. To do so, we want to capture the local SIM Industry. To achieve our objective we

have some strategies. We want to ensure the trust of the local customers.

Our delivery process will be the fastest one.

We focus on our goal.

We focus on our target customers.

We analyze our competitors & take more than necessary steps for the survival of our company

in the market.

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Marketing Mix Analysis

Product Identification

Our product will be only SIM card. Under the SIM card we will produce different size for different type. We will also produce SIM -

With unique feature

All types of technical facility With standard quality Easily usable

Target

Product

Price

Place

Promotion

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Types of Distribution Channel

As a new develops company, we want to deal with the customer in the market directly.

That means we want to use direct distribution channel method or Zero level method. The local SIM selling company will be our customer. We will convince them by ourselves producing high quality low price product.

Pricing Policy

Our policy is to keep our SIM price always less than 5

taka by soybean oil and the price will be same in contrast

with the imported SIM. We are pricing normal SIM price

same as imported SIM because we have a very little

market share so we cannot influence market by pricing

less or huge rather than having a competitive price (Here

quality will provide us competitive advantage our palm

oil is well refined than the imported oil.).

We will price our product by value based pricing system. We will consider all the things that we spend to produce the product.

Producer

Customer

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Promotion

To promote our product and to penetrate the market we will advertise it with different ways. For

first 6 month magazine and newspaper, if we make a proof it then looks to then advertise on TV.

Increase awareness in 70% of target market within 3months time period Enhance perception of

superiority within 3 months’ time period. This is how the budget will be allocated to various

fields to advertise.

Our company will enjoy a premium in promotional cost. Because, we are marketing such a

product that people need every day. This become a product that is a needed in peoples every days

life now. But this doesn’t mean that we don’t need advertising. As we are starting the business,

we need to make SIM company know that it is being produced in our country. There is a matter

of patriotic motivation.

If our customers order us within 9 month of our company’s production started, we will provide

some discount to them. Different types of discount will be provide, Such as

1st month-3rd month ---8%

4th month- 6th month ---5%

7th month -9th month ---3%

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Part five: Financial Aspects

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1. Cost of project

Costs of the project include all the preliminary cost that is needed to start a business. These are

like land and site development cost, plant and machineries, fixed asset, technological expense

etc.

Costs Amount(BDT)

Land and site development 80,000,000

Building 12,000,000

Plant and machineries 110,000,000

Miscellaneous and fixed assets 20,000,000

Technological expenses 1,000,000

Preliminary expense 12,00,000

Working capital 20,000,000

Total 244,200,000

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2. Means of financing

Financingplan and loan requirement

Cost Equity Loan /debt Total

Land and site

development

60,000,000 20,000,000 80,000,000

Building 12,000,000 12,000,000

Plant and machinery 10,000,000 100,000,000 110,000,000

Miscellaneous fixed

asset

15,000,000 5,000,000 20,000,000

Technological

expense

1,000,000 1,000,000

Preliminary expense 12,00,000 12,00,000

Working capital 10,000,000 10,000,000 20,000,000

Total 109,200,000 135,000,000 244,200,000

Ratio 44.72% 55.28% 100%

There are two primary means of finance in the project one is equity capital and debt capital.

Loans must be repaid generally accrue interest, whereas equity demand profit. For our project we

need T.K 244,200,000 on which 109,200,000is equity capital and 135,000,000 is debt capital.

Which means our Debt-Equity ratio is

Debt – 45 %

Equity –55%

We take loan at 13% interest rate from prime bank

45%

55%

Capital

Debt

Equity

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3. Cost of production

Particulars 2014 2015 2016 2017 2018

Material cost 3,000,000 3,500,000 4,000,000 45,00,000 5,000,000

Factory

overhead

6,000,000 6,000,000 6,000,000 6,000,000 6,000,000

Labor cost 5,000,000 5,700,000 6,500,000 6,900,000 7,200,000

Utilities 1,00,000 1,10,000 1,20,000 1,30,000 1,40,000

Total 14,100,000 15,310,000 16,620,000 17,530,000 18,340,000

4. Working capital requirement and its financing:

In our business we need some working capital such as material cost, labor cost, factory

overhead, utilities, administrative expense, selling expense etc. The requirement for working

capital for first year is as following:

Particulars Taka

Material cost 3,000,000

Labor cost 5,000,000

Utilities cost 100,000

Factory overhead 6000,000

Cost of production 14,100,000

Administrative expense 4,425,000

Selling expense 1,475,000

Working capital requirement (total cost of

goods sold)

20,000,000

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Calculation of installment:

Year Principle

amount

outstanding

Installment Interest

@13%

Principle

repayment

Remaining

balance

1 135,000,000 38,382,463 17,550,000 20,832,463 114,167,537

2 114,167,537 38,382,463 14,841,780 23,540,683 90,626,854

3 90,626,854 38,382,463 11,781,491 26,600,972 64,025882

4 64,025,882 38,382,463 8,323,365 30,059,098 33,966,784

5 33,966,784 38,382,463 4,415,682 33,966,784 0

5. Projected income statement:

Projected income statement of five year

Particulars 2014 2015 2016 2017 2018

Use of capacity 60% 70% 80% 90% 100%

Unit product 5,00,000 6,00,000 7,00,000 8,00,000 10,00,000

Sales in

amount

35,000,000 42,000,000 49,000,000 56,000,000 70,000,000

Less: cost of

production

14,100,000 15,310,000 16,620,000 17,530,000 18,340,000

Gross profit 20,900,000 26,690,000 32,380,000 38,470,000 51,660,000

Administrative

expense z

4,425,000 4,710,000 5,000,000 5,230,000 5,570,000

Selling

expense

1,475,000 1,700,000 2,040,000 2,300,000 2,645,000

Total selling

and

administrative

expense

5,900,000 6,410,000 7,040,000 7,530,000 8,215,000

Net operating

income

15,000,000 20,280,000 25,340,000 30,940,000 43,445,000

Less: tax @

30%

4,500,000 6,084,000 7,602,000 9,282,000 13,033,500

Net income 10,500,000 14,196,000 17,738,000 21,658,000 30,411,500

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Depreciation:

Depreciation is one of the major concerns of a company. Our company will make the

depreciation on straight line basis. We are not considering any salvage value in our project.

Assets Assets

book value

Life

perio

d

2014 2015 2016 2017 2018

Plant and

machineries

110,000,000

5 22,000,000 22,000,000 22,000,000 22,000,000 22,000,000

Miscellaneou

s fixed assets

20,000,000 5 4,000,000 4,000,000 4,000,000 4,000,000 4,000,000

6. Projected cash flow:

Projected cash flow statement of 5 years

Particulars Constructio

n period

2014 2015 2016 2017 2018

a) Sources

of fund

Equity capital 109,200,000

Debt capital 135,000,000

Profit before tax

with interest

added back

15,000,000 20,280,000 25,340,000 30,940,000 43,445,000

Depreciation 26,000,000 26,000,000 26,000,000 26,000,000 26,000,000

Total (a) net

cash inflow

244,200,000 41,000,000 46,280,000 51,340,000 56,940,000 69,445,000

b) Dispositi

on of

fund

Capital

expenditure

224,200,000

Decrease in term

loan

20,832,463 23,540,683 26,600,972 30,059,098 33,966,784

Interest payment 17,550,000 14,841,780 11,781,491 8,323,365 4,415,682

Taxation @ 30% 4,500,000 6,084,000 7,602,000 9,282,000 13,033,500

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Total (b) net

cash outflow

224,200,000 42,882,463 44,446,463 45,984,463 47,664,463 51,415,966

Net surplus or

deficit (a-b)

20,000,000 (1,882,463) 1,833,537 5,355,537 9,275,537 18,029,034

Beginning cash

balance

20,000,000 18,117,537 19,951,074 25,306,611 34,582,148

Closing cash

balance

20,000,000 18,117,537 19,951,074 25,306,611 34,582,148 52,611,182

7. Projected balance sheet:

The projected balance sheet of our project is as following:

Projected balance sheet of 5 years

Particulars 2014 2015 2016 2017 2018

Assets :

Current asset

cash

18,117,537 19,951,074 25,306,611 34,582,148 52,611,182

Miscellaneous

and fixed

asset

222,000,000 222,000,000 222,000,000 222,000,000 222,000,000

Less :

depreciation

26,000,000 26,000,000 26,000,000 26,000,000 26,000,000

Share capital 40,582,463 32,112,463 20,954,243 6,735,734 0

Total assets: 254,700,000 248,063,537 242,260,854 237,317,882 248,611,182

Liabilities:

Owners’

equity

109,200,000 109,200,000 109,200,000 109,200,000 109,200,000

Long term

bank loan

135,000,000 114,167,537 90,626,854 64,025,882 33,966,784

Reserve and

surplus

10,500,000 24,696,000 42,434,000 64,092,000 94,503,500

Total

liabilities

254,700,000 248,063,537 242,260,854 237,317,882 248,611,182

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8. NVP, IRR, Payback period calculation:

NPV Calculation:

NPV means the net present value of the project. With the help of NPV we estimate whether

to accept the project or reject the project. Let compute the NPV of our estimated cash flow at

15% cost of capital.

∑𝐶𝐼𝐹𝑡

NPV= − 𝐶𝑂𝐹𝑡

(1+k∧ 𝑛)

18,117,537 19,951,074 25,306,611 34,582,148 52,611,182

[ + + + + ]−20,000,000

(1+.15) (1+.15)∧ 2 (1+.15)∧ 3 (1+.15)∧ 4 (1+.15)∧ 5

= (15,754,380+15,085,878+16,639,508+19,772,455+26,157,056)−20,000,000

= 73,409,277

IRR calculation:

Let’s assume new cost of capital 95%

NPV=

18,117,537 19,951,074 25,306,611 34,582,148 52,611,182

[ + + + + ] - 20,000,000

(1+.9) (1+.9)∧ 2 (1+.9)∧ 3 (1+.9)∧ 4 (1+.9)∧ 5

= (9,535,546+ 5,526,613+ 3,689,584+2,653,613+2,124,761)-20,000,000

=3,530,117

Another cost of capital 105%

NPV=

18,117,537 19,951,074 25,306,611 34,582,148 52,611,182

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[ + + + + ]−20,000,000

(1+1.05) (1+1.05)∧ 2 (1+1.05)∧ 3 (1+1.05) ∧ 4 (1+1.05)∧ 5

= (8,837,822+4,747,429+2,937,463+1,958,107+1,453,144)−20,000,000

= −66,035

NPV @ lower rate

IRR= Higher rate + NPV @ lower rate – NPV @higher rate * (Higher rate – lower rate)

3,530,117

= 105 + 3530117- (-66,035) *(105- 90)

= 119.72%

Payback Period:

Here we calculate the payback period of the project:

Year CFBDT Depreciatio

n

CFBT Tax

@30%

CFAT Net cash

flow

Cumulative

cash flow

0 20,000,000 0 (20,000,000) (20,000,000)

1 41,000,000 26,000,000 15,000,000 4,5000,00 10,500,000 36,500,000 16,500,000

2 46,280,000 26,000,000 20,280,000 6,084,000 14,196,000 40,196,000 20,519,000

3 51,340,000 26,000,000 25,340,000 7,602,000 17,738,000 43,738,000 64,257,600

4 56,940,000 26,000,000 30,940,000 9,282,000 21,658,000 47,658,000 111,915,600

5 69,445,000 26,000,000 43,445,000 13,033,500 30,411,500 56,411,500 168,327,100

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Unrecovered investment

Payback period= Year before complete recovery+

CF in the year of recovery

20,000,000

= 0+

36,500,000

= .55 year

9. Ratio analysis:

Debt ratio:

In calculation of debt ratio we have to divide total debt by total assets

56.22

47.19

36.65

24.95

12.37

Debt Ratio

2014 2015 2016 2017 2018

Year ratio

2014 56.22

2015 47.19

2016 36.65

2017 24.95

2018 12.37

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Total assets turnover:

This ratio is calculated by dividing sales by total assets

year ratio

2014 14.58

2015 17.36

2016 19.81

2017 21.83

2018 28.27

Profit margin sales:

This is calculated by dividing net income by sales

year ratio

2014 30%

2015 33.8%

2016 36.2%

2017 38.66%

2018 43.44%

8.23.2

1.4 1.2

0

profit margin

30%

33.80%

36.20%

38.66%

43.44%

8.23.2

1.4 1.2

0 Sales

14.58

17.36

19.81

21.83

28.27

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10. Sensitivity analysis:

In sensitivity analysis we are considered the cost of production and sales:

Increasing cost of production 5%

particulars 2014 2015 2016 2017 2018

sales 35,000,000 42,000,000 49,000,000 56,000,000 70,000,000

Cost of

production

14,805,000 16,075,500 17,451,000 18,406500 19,257,000

Gross profit 20195000 25,924,500 31,549,000 37,593,500, 50,743,000

Total selling

and

administration

expense

5,900,000 6,410,000 7,040,000 7,530,000 8,215,000

Net operating

income

14,295,000 19,514,500 24,509,000 30,063,500 42,528,000

Tax @ 30% 4,288,500 5,854,350 7,352,700 9,019,050 12758400

Net income 10,006,500 13,660,150 17,156,300 21,044,450 29,769,600

By reducing sales 5%

particulars 2014 2015 2016 2017 2018 Sales 33,250,000 39,900,000 46,550,000 53,200,000 66,500,000

Less: cost of

production

14,100,000 15,310,000 16,620,000 17,530,000 18,340,000

Gross profit 19,150,000 24,590,000 29,930,000 35,670,000 48,160,000 Total selling

and

administrative

expense

5,900,000 6,410,000 7,040,000 7,530,000 8,215,000

Net operating

income

13,250,000 18,180,000 22,890,000 28,140,000 39,945,000

Tax @ 30% 3,975,000 5,454,000 6,867,000 8,442,000 11,983,500

Net income 9,275,000 12,726,000 22,203,000 19,698,000 27,961,500

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11. Risk and insurance:

In our project there are some basic risk may involve-

Potential competitors might cause risk.

Unavailability of skilled labor.

Any political or economic turmoil may cause harm.

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Part Six: Socio Economic

Aspects

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Social Responsibility

Corporate Social Responsibility (CSR) is defined as the voluntary activities undertaken by a

company to operate in an economic, social and environmentally sustainable manner. As per this

concept we do our business for our own as well as the welfare of our society. We will keep a 1%

of our profit for social welfare. Using that fund we will perform the following activities –

1. CR vision:

To be recognized as most socially responsible sim card operator in Bangladesh & in the

corporate sector.

2.CR mission:

Create shared value for the society through our mobile technology

integrate responsible business practices in all operations

Integrate responsible business practices in all operations.

3.Our social responsibility initiatives focus on creating shared value through:

Promote safer production & services

Minimize our carbon foot print

Minimize the enable effect of mobile telecommunication

4.Some of our key social responsibility:

There are some necessary social responsibilities that we will provide to the society-

Awareness building on varied national issues like- AIDS, National

Immunization Day

Economic freedom for village phone operators.

Employments opportunities to uneducated people.

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Business Ethics

Ethics is a moral standard that regulate right & wrong conduct. And business ethics is critical,

standard examination of how people & institution should behave in the world of commerce.

Business must be run ethically. Though a business should run by maintaining ethics so as we

also try to maintain our business ethics in some major sectors that are discuss below-

Stock price:

Stock price in a market is the major reward for the entrepreneur in the organization. Directors are

paying their hard labor to make an efficient organization. So when our companies perform well

we can sell our portion with price & here we maintain our ethics that no illegal or misconduct

will not occurred.

To attain new customers:

Customer habited to deal with, is one of the most ethically supported for our business causes we

likely to secure our deal and transactions, payment in time and getting feedback, quality & value

attain as we mention. So be ethical to get more customers.

To maintain reputation:

Reputation is needed to expand the market share & getting financial support. So to keep our

reputation well we will try to avoid lawsuit. Our regulatory body is always busy to find out those

who are not doing ethical conduct in business field. To avoid fine and lawsuit be ethical.

Business ethics are implemented in order to ensure that a certain required level of trust exists

between consumers and various forms of market participants with businesses. For example, a

portfolio manager must give the same consideration to the portfolios of family members and

small individual investors. Such practices ensure that the public is treated fairly.

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Environment Impact of the Project

We've made some changes to our SIM card packaging so that it's better for our customers

and for our environment

Recycling around 14 tonnes of plastic used in our standard prepaid SIM cards annually Reducing the amount of paper used in our prepaid SIM card starter kits by 60%, saving

over 50 tonnes of paper annually

This change will save around 14 tonnes of ABS plastic from possibly ending up in landfill each

year. By recycling the extra plastic before it even reaches our customers we're ensuring that it doesn't end up in the rubbish tip which can take hundreds of years to decompose.

We've also reduced the amount of paper in the outer packaging of our prepaid SIM starter kits and removed any additional PVC plastic windows, making it easier for our customers to recycle

at home.

All of the paper packaging is sourced from sustainably managed forests

Our next step is to work with our suppliers to find ways to

further reduce the amount of plastic that is used in the SIM card manufacturing process.

So this is just the start. We'll continue to look for ways to

keep reducing the environmental impact of our SIM cards and packaging, and other packaged products we provide to our customers.

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Contribution towards the Economy

In the mid-1990s, the telephone service in Bangladesh was in a very poor state. The country had

one of the lowest teledensities in the world with less than one phone per 100 in habitants. But

now days in our country each & every people are using mobile phone. But the main part of a

warless phone is a sim card though it’s imported from the abroad. & to concentrate on this matter

now we are starting sim cards production project in our own country. So as we are also try to

make some contribution to the economy like-

The performance evaluation report rates the projects highly

successful overall. The project achieved its main objective of

assisting the establishment of a nationwide telephony system. The

village phone program has also provided telephone access to the

villages in rural Bangladesh.

The project made a very substantial contribution to private sector

development and was rated was excellent in the category. This

project has notable upstream and downstream linkages, promote

competition & innovation, provide a big boost to the country

capital markets and demonstrated high standards of corporate

governance.

In terms of business success the project rated excellent. The project

surpasses all the operational & financial targets that were set during

approval. It will contribute to economic development was likewise

rated excellent.

Mainly those that are given above this are our projects main contribution to the economy that

we will try to meet up.

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Appended Part

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References

Wikipedia

Other Websites

Class lecture

BBA seminar