projek jerami padi2(edit)2

8/8/2019 Projek Jerami Padi2(Edit)2

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PROJEK JERAMI PADI

URBAN WASTE COMPANY (UWC)

MANIR

KUALA TERENGGANU, TERENGGANU.


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Confidentiality Agreement

The undersigned reader acknowledges that the information provided by _______________ in this business plan is confidential;

therefore, reader agrees not to disclose it without the express written permission of _______________.

It is acknowledged by reader that information to be furnished in this business plan is in all respects confidential in nature, other

than information which is in the public domain through other means and that any disclosure or use of same by reader, may cause

serious harm or damage to _______________.

Upon request, this document is to be immediately returned to _______________.

___________________

Signature

___________________

Name (typed or printed)

___________________

Date

This is a business plan. It does not imply an offering of securities.


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Table of Contents

1.0 Executive Summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

1.1 Objectives . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

1.2 Mission . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21.3 Keys to Success . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

2.0 Company Summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

2.1 Company Ownership . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

2.2 Start-up Summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

3.0 Products . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

4.0 Market Analysis Summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

4.1 Market Segmentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5

4.2 Target Market Segment Strategy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6

4.3 Industry Analysis . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

4.3.1 Competition and Buying Patterns . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

5.0 Strategy and Implementation Summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

5.1 Competitive Edge . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

5.2 Marketing Strategy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

5.3 Sales Strategy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

5.3.1 Sales Forecast . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

5.4 Milestones . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11

6.0 Management Summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

6.1 Personnel Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13

7.0 Financial Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14

7.1 Start-up Funding . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14

7.2 Important Assumptions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15

7.3 Break-even Analysis . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 167.4 Projected Profit and Loss . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16

7.5 Projected Cash Flow . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19

7.6 Projected Balance Sheet . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21


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1.0 Executive Summary

Urban Waste Company , is one of the company that is under a Pusat Pembangunan Pertanianwhich is operating at Manir, Terengganu, is a company that will produce hay-based products.It

is a company that actively involve in the coolection of hay, processing operation of the compost

fertilizer and production of handcraft and it is also a company that will be having a program of

R&D (research and development) in order to increase the quality of the products that will be

produced so that maximum profit can be obtained through the sales of the products.The

products also are expected to fulfill the consumers' wants whether the consumers are from local

or international.

Highlights$700,000

$600,000

$500,000

$400,000

$300,000

Sales

Gross Margin

Net Profit

$200,000

$100,000

$0

2010 2011 2012


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To actively take part in the government plan in order to develop the middle and small

industrials as the strong alternatives industries other than service industry and

technology industry nowadays.

To develop a competitive and determination nation so that the economic growth will beina good and competitive zone.

1.2 Mission

Develop dried paddy stalk sector in Terengganu

Provided job and improved the villager life .

Optimum the utilized the dried paddy stalk form economic important and production ofvaries products.

Developed the country paddy sector with varies products.

Market all the product at Terengganu, Kelantan and Kuala Lumpur.

1.4 Keys to Success

1. The high quality and effective of operation network which follow the standard that has beenalready determined by the government and increasing the capacity of operation and network

of operation.

2.Practicing the strong and competitive merketing system in order to make sure that ourcompany can compete with the existed products on the markets nowadays.

3.Sufficient capital to start the R&D (research and development) , to upgrade the quality of the

products and increasing the level of competitivity of the product itself in the real markets.

4.The company and the project will be supervised by the talented , experienced and expert

officers in order to obtain the high quality of hay products and to make sure that the whole


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PROJEK JERAMI PADI

2.1 Company Ownership

The Urban Waste Company (UWC) is a nonprofit company incorporated in Kuala Terengganu.

The board of Directors is made up of several high profile business professors and professionals

living in and around the state of Terengganu. This company will be managed by the member of

the council and the divided will be divided equally among all the members of the council.

2.2 Start-up Summary

The starting cost that has been suggested to start this project is approximately RM

37800.00 which all the money will be used to get the company license , company logo,

lawyers' payment, rent , insurance , offices equipments , computers , lorry ,promotion

and so on.The extra cost about RM 22 200.00 also will be needed to act as the starting

assets including cash ,starting inventory , the current assets and the long term asset.The

total cost that is needed after all the calculation is RM 60 000.00.

Table: Start-up

Start-up

Requirements

Start-up Expenses

LEGAL $500

INSURANCES $500

RENT $500

COMPUTER $2,000TRANSPORT $0MACHINES $5,000

OTHERS $500Total Start-up Expenses $9,000


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Start-up

$60,000

$50,000

$40,000

$30,000

$20,000

$10,000

$0

Expenses Assets Investment Loans

4.0 Market Analysis Summary

Urban Waste Company will focus on two markets within the industry, the residential

segment (including fertilizer) and the commercial segment (including handicraft

professional purposes).

The commercial market requires the shortest amount of time to completion of projects


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4.1 Market Segmentation

The potential consumers of our products;

1. LOCAL

Urban Waste Company will focus on two markets within the industry, the

residential segment (including fertilizer) and the commercial segment which includes

compost used for professional purposes. The company can handle any size paddy-field

that needs its services. It is the goal of the company to eventually have approximately

one-third of all business coming from the commercial segment, since this generates the

greatest cash flow. Furthermore, this segment has the lowest percentage of variable costs.

The residential segment is considered to be the company's cash cow.

The potential markets for the compost fertilizer are around the state of

Terengganu,Kelantan,Pahang , and Kuala Lumpur are subjected to be focused on morebefore considering the market for the international one.The percentage of the buyers whowould buy our products is approximately 2% which will represent the local buyers while

5% will be represented by international buyers.This is because the demands for thisproducts are quite supportive at those mentioned states.

We also plan to be the main supplier to the company if Fertilizer Sdn.Bhd which

headquartered in Marang, Terengganu.This company also has its own processing

factory which is being filled completely with modern technology.The cooperation

that will be developed later, is aimed to be succeded and can increase the

production of compost fertilizer from the state of Terengganu.

2. INTERNATIONAL

h h d f d ll b k d d h C l k d


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Table: Market Analysis

Market Analysis

Potential Customers Growth2008 2009 2010 2011 2012

CAGRLOCAL 2% 30,000 30,600 31,212 31,836 32,473 2.00%

INTERNATIONAL 5% 20,000 21,000 22,050 23,153 24,311 5.00%Total 3.23% 50,000 51,600 53,262 54,989 56,784 3.23%

Market Analysis (Pie)

LOCAL

INTERNATIONAL

4.2 Target Market Segment Strategy

Market strategy

1) The main target for our product, that based on hays product is the local and

international customer In short term the company will be focused on the


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4.3 Industry Analysis

There is only the Fertilizer Sdn Bhd company that is involve in the production of compostfertilizer and handcraft and other commercial products in Malaysia at this moment. So ,

our company is taking the chance to cooperate with this company to increase the

production of compost fertilizer which will be marketed to the local market and

international market by supplying the raw material to this company, that is we will

supply the compost fertilizer that is not being yet process to the company of Fertilizer

Sdn Bhd.

The potential products from the hays is expected to increase especially the

compost fertilizer and handcraft.

As the area that is covered by the paddy field is large in Setiu and Manir, which is

about 2000 hectares and has the natural souces of hays, it is expected that our

company can defeat in order to produce the big scale of products from hay.

4.3.1 Competition and Buying Patterns

Our main competitor is Compost Maju Sdn.Bhd because the company is already has its

own

products that are being patternized like compost fertilizer and handcraft.The company is

also has their fixed markets in Terengganu,Kelantan , Kuala Lumpur and supermarket like

Giant , Carefour.Furthermore , the companys products are not too well known maybe

because of lack of promotion and the poor management of the companys promotion

department and also because of cost and expertise.

5.0 Strategy and Implementation Summary

Our company has focused to several sales strategy which is expected can help our


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5.1 Competitive Edge

The company seeks to establish a competitive edge in its new target market segment by

increasing the level of customer contact that can be as directly or by middle man and

become the first producer for raw materials. Besides, the company will make sure that all

workers possess the necessary skills to produce the high quality products that are needed

in this field. The establishment of the previously mentioned work processes that will

ensure greater product will strengthen the contacts that promote word of mouth marketing

and networking. The company also has the advantage through the sources management

and a good and consistent Hay's of paddy product that will be manage by one project

manager which it is differ from other company that do not focus in sources management.

5.2 Marketing Strategy

Our company has focused to several sales strategy which is expected can help our

company to increase the demands of our products and this will give the advantages to thecompany and also to the community who involve in this sector.

The first strategy is through the direct selling of the product produced like compost

fertilizer and also the handcrafts to the customers from the stalls or selling centre which

are built especially to individual or group selling.

The second strategy, our company will collect all the product produced in the collection

centre and sell them to the market through the middle man or to the interestedsupermarkets.

The third strategy , our company will sell and supply the raw material like hay to the


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Sales Monthly

$16,000

$14,000

$12,000

$10,000COMPOST FERTILIZER

$8,000 HANDICRAFT

$6,000 MAT

$4,000

$2,000

$0

Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb

Sales by Year

$160,000

$140,000

$120,000

$100,000COMPOST FERTILIZER


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5.4 Milestones

In this section, the company has stated all marketing activities that is important andwill be implemented including the date and expenditure for each activity. Every activity

with the date and expenditure are shown in the table below.

Table: Milestones

Milestones

Milestone Start Date End Date Budget Manager DepartmentHAY COLLECTING PEMASARA

COURSE 2/4/2008 12/3/2008 $50 ABC N

OPERATIONAL 1/5/2008 5/20/2008 $50 ABC PEMASARA

SEMINAR N

BUSINESS PLAN 2/5/2008 5/2/2008 $50 ABC KEWANGACORRECTION NBUSINESS JOIN 5/1/2008 5/25/2008 $50 ABC PEMASARA

VENTURE NADVERTICEMENT 2/6/2009 2/7/2009 $50 ABC PEMASARAN

ENTREPRENEURSHIP 4/8/2009 11/8/2009 $50 ABC PEMASARATRAINING PROGRAM NHAY RESEARCH 10/12/2009 13/12/2010 $50 ABC PEMASARAPRESENTATION NHAY-RELATED 2/7/2010 9/7/2010 $50 ABC KEWANGAPROTOTYPE TEST NMAHA EXPOSITION 16/7/2010 30/7/2010 $50 ABC PEMASARAAND CONFERENCE N

HANDICRAFT 12/5/2011 3/6/2011 $100 ABC SUMBERPLAITING COURSE MANUSIAPRODUCT LIFESPAN 11/8/2012 31/8/2012 $100 ABC SUMBERRESEARCH COURSE MANUSIAREPLANTING PADDY 11/6/2013 25/6/2013 $50 ABC SUMBER


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6.0 Management Summary

Administration summary

The company will employ for 4 managers that is, CEO, Vice CEO, Financial and

management manager and Marketing manager. Company will employ 45 workers

( villagers and single mother ) that responsible in production of handcraft and collection of

Hay of paddy.

CEO

Responsible in handling the whole activity in company including operation,

management, financial and marketing.

Operation manager

Responsible in helping CEO done his work.

Financial and management manager

Responsible to handle financial activity in the company.

Marketing manager


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6.1 Personnel Plan

Personal plan will employ for 4 managers and 20 persons as extra workers for first

three year. The incensement of employee will done when the performance of

business is good and when the workers are not any more enough to support the

activity run.

Urban Waste Company Organization

CEO

Mohamad Alif Bin Marzuki

Operation manager

Nuruhidayu Bt Mahmad

Marketing manager


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Table: Personnel

Personnel Plan

FY 2009 FY 2010 FY 2011 FY 2012 FY 2013DIRECTOR $12,000 $12,000 $12,000 $12,000 $12,000

OPERATION MANAGER $9,600 $9,600 $9,600 $9,600 $9,600

FINANCIAL MANAGER $8,400 $8,400 $8,400 $8,400 $8,400

MARKETING MANAGER $8,400 $8,400 $8,400 $8,400 $8,400

OPERATION WORKERS (20 $48,000 $48,000 $48,000 $48,000 $48,000

WORKERS IN PLAN)Total People 0 4 4 4 4

Total Payroll $86,400 $86,400 $86,400 $86,400 $86,400

Organizational Chart: CARTA ORGANISASI

LEE WEI SHIN

DIRECTOR

MOHAMAD ALIF

NOORLISTARI BT MOHD SALLEH NURUL SYAZILA BT ABD RANI MARLIANA BT ISMAIL

MARKETING AND ADMINISTRATION MANAGER FINANCIAL MANAGER OPERATION MANAGER

NURUHIDAYU NURHANIS NURSYAHADA

7.0 Financial Plan

Total capital of RM60,000 will be obtain from the coperation and/or the state

government since this project is under the United Nation Development

Programme (UNDP). Urban Waste Company has no intention for applying

conventional loans.


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Table: Start-up Funding

Start-up Funding

Start-up Expenses to Fund $9,000Start-up Assets to Fund $51,000Total Funding Required $60,000

AssetsNon-cash Assets from Start-up $41,000

Cash Requirements from Start-up $10,000

Additional Cash Raised $0

Cash Balance on Starting Date $10,000Total Assets $51,000

Liabilities and Capital

LiabilitiesCurrent Borrowing $0

Long-term Liabilities $0

Accounts Payable (Outstanding Bills) $0

Other Current Liabilities (interest-free) $0Total Liabilities $0

Capital

Planned InvestmentOwner $0

Investor $0

Additional Investment Requirement $60,000Total Planned Investment $60,000

Loss at Start-up (Start-up Expenses) ($9,000)Total Capital $51,000

Total Capital and Liabilities $51,000

Total Funding $60,000

7.2 Important Assumptions


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7.3 Break-even Analysis

Break even analysis for Urban Waste Company fixed cost will cover rents,

insurance, maintenance and other related items. To obtain the break even point,

minimum sales per month should be RM 2959. Refer the table 7.3 for a clearer

understandings.

Table: Break-even Analysis

Break-even Analysis

Monthly Revenue Break-even $1,081

Assumptions:Average Percent Variable Cost 8%

Estimated Monthly Fixed Cost $1,000

Break-even Analysis

$1,500

$1,000

$500

$0

($500)


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Table: Profit and Loss

Pro Forma Profit and Loss

FY 2009 FY 2010 FY 2011 FY 2012 FY 2013Total Income $159,320 $0 $140,500 $141,300 $142,300Cost of Goods Sold $12,000 $0 $12,000 $12,000 $12,000

Gross Profit $147,320 $0 $128,500 $129,300 $130,300

Gross Profit % 92.47% 0.00% 91.46% 91.51% 91.57%

ExpensesPayroll $86,400 $86,400 $86,400 $86,400 $86,400

Marketing/Promotion $950 $0 $0 $0 $0

Depreciation $0 $0 $0 $0 $0

Rent $5,200 $0 $0 $0 $0

Utilities $2,350 $0 $0 $0 $0Insurance $1,300 $0 $0 $0 $0Payroll Taxes $0 $0 $0 $0 $0Other $0 $0 $0 $0 $0

------------ ------------ ------------ ------------ ------------Total Expense $96,200 $86,400 $86,400 $86,400 $86,400

Gross Profit $51,120 ($86,400) $42,100 $42,900 $43,900

EBITDA $51,120 ($86,400) $42,100 $42,900 $43,900

Other IncomeOther Income Account Name $0 $0 $0 $0 $0

Other Income Account Name $0 $0 $0 $0 $0Total Other Income $0 $0 $0 $0 $0

Other Expense

Other Expense Account Name $0 $0 $0 $0 $0

Other Expense Account Name $0 $0 $0 $0 $0Total Other Expense $0 $0 $0 $0 $0

Net Other Income $0 $0 $0 $0 $0Net Profit $51,120 ($86,400) $42,100 $42,900 $43,900

Net Profit/Sales 32.09% 0.00% 29.96% 30.36% 30.85%

Profit Monthly


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Profit Yearly

$60,000

$40,000

$20,000

$0

($20,000)

($40,000)

($60,000)

($80,000)

($100,000)

FY 2009 FY 2010 FY 2011 FY 2012 FY 2013

Gross Margin Monthly

$14,000

$12,000

$10,000

$8 000


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Gross Margin Yearly

$160,000

$140,000

$120,000

$100,000

$80,000

$60,000

$40,000

$20,000

$0

FY 2009 FY 2010 FY 2011 FY 2012 FY 2013

7.5 Projected Cash Flow

The cash flow indicates that the company will experience loss during the first

months however this is normal for company at start up due to assets installments and

essential expenses are done at this period. The following months will give rise in

l d bt i f fit Th t bl 7 5 b f d f f th i f ti


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PROJEK JERAMI PADI

Table: Cash Flow

Pro Forma Cash Flow

Cash Received FY 2009 FY 2010 FY 2011 FY 2012 FY 2013

Cash from OperationsCash Sales $119,490 $0 $105,375 $105,975 $106,725

Cash from Receivables $32,843 $6,987 $35,125 $35,325 $35,575Subtotal Cash from Operations $152,333 $6,987 $140,500 $141,300 $142,300

Additional Cash ReceivedNon Operating (Other) Income $0 $0 $0 $0 $0

Sales Tax, VAT, HST/GST$0 $0 $0 $0 $0

Received

New Current Borrowing $0 $0 $0 $0 $0New Other Liabilities (interest-free) $0 $0 $0 $0 $0New Long-term Liabilities $0 $0 $0 $0 $0Sales of Other Current Assets $0 $0 $0 $0 $0Sales of Long-term Assets $0 $0 $0 $0 $0

New Investment Received $0 $0 $0 $0 $0Subtotal Cash Received $152,333 $6,987 $140,500 $141,300 $142,300

Expenditures FY 2009 FY 2010 FY 2011 FY 2012 FY 2013

Expenditures from OperationsCash Spending $86,400 $86,400 $86,400 $86,400 $86,400

Bill Payments $11,495 $1,305 $11,014 $12,005 $12,007Subtotal Spent on Operations $97,895 $87,705 $97,414 $98,405 $98,407

Additional Cash SpentNon Operating (Other) Expense $0 $0 $0 $0 $0

Sales Tax, VAT, HST/GST Paid Out $0 $0 $0 $0 $0

Principal Repayment of Current $0 $0 $0 $0 $0Borrowing

Other Liabilities Principal $0 $0 $0 $0 $0RepaymentLong-term Liabilities Principal

$0 $0 $0 $0 $0RepaymentPurchase Other Current Assets $0 $0 $0 $0 $0Purchase Long-term Assets $0 $0 $0 $0 $0

Dividends $0 $0 $0 $0 $0


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Cash

$70,000

$60,000

$50,000

$40,000

$30,000

$20,000

$10,000

$0

Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb

Net Cash Flow

Cash Balance

7.6 Projected Balance Sheet

Balance sheet calculation is concrete with confirmation that the company shall nothave any difficulty to manage its debts and installments as long as the objectives ofspecific sales planned can be achieved. Further information can be referred from


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Table: Balance Sheet

Pro Forma Balance Sheet

Assets FY 2009 FY 2010 FY 2011 FY 2012 FY 2013

Current AssetsCash ($16,280

$64,438 ) $26,806 $69,701 $113,594

Accounts Receivable $6,987 $0 $0 $0 $0

Inventory $1,000 $1,000 $1,000 $1,006 $1,013

Other Current Assets $8,000 $8,000 $8,000 $8,000 $8,000Total Current Assets $80,425 ($7,280) $35,806 $78,707 $122,607

Long-term AssetsLong-term Assets $23,000 $23,000 $23,000 $23,000 $23,000

Accumulated Depreciation $0 $0 $0 $0 $0

Total Long-term Assets $23,000 $23,000 $23,000 $23,000 $23,000Total Assets $103,425 $15,720 $58,806 $101,707 $145,607

Liabilities and Capital FY 2009 FY 2010 FY 2011 FY 2012 FY 2013

Current LiabilitiesAccounts Payable $1,305 $0 $986 $987 $987

Current Borrowing $0 $0 $0 $0 $0

Other Current Liabilities $0 $0 $0 $0 $0Subtotal Current Liabilities $1,305 $0 $986 $987 $987

Long-term Liabilities $0 $0 $0 $0 $0Total Liabilities $1,305 $0 $986 $987 $987

Paid-in Capital $60,000 $60,000 $60,000 $60,000 $60,000

Retained Earnings ($9,000) $42,120 ($44,280) ($2,180) $40,720

Earnings $51,120 ($86,400 $42,100 $42,900 $43,900)

Total Capital $102,120 $15,720 $57,820 $100,720 $144,620

Total Liabilities and Capital $103,425 $15,720 $58,806 $101,707 $145,607

Net Worth $102,120 $15,720 $57,820 $100,720 $144,620


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Appendix

Appendix Table: Sales Forecast

Sales Forecast

SalesMar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb

COMPOST FERTILIZER 0% $2,000 $2,000 $2,000 $2,000 $2,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000

HANDICRAFT 0% $5,000 $5,000 $5,000 $5,000 $5,000 $6,000 $6,000 $6,000 $6,000 $6,000 $6,000 $6,000

MAT 0% $5,000 $5,020 $5,040 $5,060 $5,080 $5,100 $5,120 $5,140 $5,160 $5,180 $5,200 $5,220Total Sales $12,000 $12,020 $12,040 $12,060 $12,080 $14,100 $14,120 $14,140 $14,160 $14,180 $14,200 $14,220

Direct Cost of Sales Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan FebNIRA NIPAH 2% $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500

HANDICRAFT 2% $100 $100 $100 $100 $100 $100 $100 $100 $100 $100 $100 $100

ICE-CREAM 2% $400 $400 $400 $400 $400 $400 $400 $400 $400 $400 $400 $400Subtotal Direct Cost of Sales $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000

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Appendix

Appendix Table: Personnel

Personnel Plan

Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan FebDIRECTOR 0% $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000

OPERATION MANAGER 0% $800 $800 $800 $800 $800 $800 $800 $800 $800 $800 $800 $800

FINANCIAL MANAGER 0% $700 $700 $700 $700 $700 $700 $700 $700 $700 $700 $700 $700

MARKETING MANAGER 0% $700 $700 $700 $700 $700 $700 $700 $700 $700 $700 $700 $700

OPERATION WORKERS (20 0% $4,000 $4,000 $4,000 $4,000 $4,000 $4,000 $4,000 $4,000 $4,000 $4,000 $4,000 $4,000WORKERS IN PLAN)Total People 0 0 0 0 0 0 0 0 0 0 0 0

Total Payroll $7,200 $7,200 $7,200 $7,200 $7,200 $7,200 $7,200 $7,200 $7,200 $7,200 $7,200 $7,200



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Appendix

Appendix Table: Profit and Loss

Pro Forma Profit and Loss

Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan FebTotal Income $12,000 $12,020 $12,040 $12,060 $12,080 $14,100 $14,120 $14,140 $14,160 $14,180 $14,200 $14,220

Cost of Goods Sold $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000

Gross Profit $11,000 $11,020 $11,040 $11,060 $11,080 $13,100 $13,120 $13,140 $13,160 $13,180 $13,200 $13,220

Gross Profit % 91.67% 91.68% 91.69% 91.71% 91.72% 92.91% 92.92% 92.93% 92.94% 92.95% 92.96% 92.97%

ExpensesPayroll $7,200 $7,200 $7,200 $7,200 $7,200 $7,200 $7,200 $7,200 $7,200 $7,200 $7,200 $7,200

Marketing/Promotion $100 $100 $100 $100 $100 $100 $100 $50 $50 $50 $50 $50

Depreciation $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Rent $600 $600 $600 $600 $600 $600 $600 $200 $200 $200 $200 $200

Utilities $300 $300 $300 $300 $300 $300 $300 $50 $50 $50 $50 $50

Insurance $150 $150 $150 $150 $150 $150 $150 $50 $50 $50 $50 $50

Payroll Taxes 0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

------------ ------------ ------------ ------------ ------------ ------------ ------------ ------------ ------------ ------------ ------------ ------------Total Expense $8,350 $8,350 $8,350 $8,350 $8,350 $8,350 $8,350 $7,550 $7,550 $7,550 $7,550 $7,550

Gross Profit $2,650 $2,670 $2,690 $2,710 $2,730 $4,750 $4,770 $5,590 $5,610 $5,630 $5,650 $5,670

EBITDA $2,650 $2,670 $2,690 $2,710 $2,730 $4,750 $4,770 $5,590 $5,610 $5,630 $5,650 $5,670

Other IncomeOther Income Account Name $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Other Income Account Name $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0Total Other Income $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Other Expense

Other Expense Account Name $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Other Expense Account Name $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0Total Other Expense $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Net Other Income $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0Net Profit $2,650 $2,670 $2,690 $2,710 $2,730 $4,750 $4,770 $5,590 $5,610 $5,630 $5,650 $5,670

Net Profit/Sales 22.08% 22.21% 22.34% 22.47% 22.60% 33.69% 33.78% 39.53% 39.62% 39.70% 39.79% 39.87%



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Appendix

Appendix Table: Cash Flow

Pro Forma Cash Flow

Cash ReceivedMar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb

Cash from OperationsCash Sales $9,000 $9,015 $9,030 $9,045 $9,060 $10,575 $10,590 $10,605 $10,620 $10,635 $10,650 $10,665

Cash from Receivables $0 $100 $3,000 $3,005 $3,010 $3,015 $3,037 $3,525 $3,530 $3,535 $3,540 $3,545Subtotal Cash from Operations $9,000 $9,115 $12,030 $12,050 $12,070 $13,590 $13,627 $14,130 $14,150 $14,170 $14,190 $14,210

Additional Cash ReceivedNon Operating (Other) Income $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Sales Tax, VAT, HST/GST Received 0.00% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

New Current Borrowing $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

New Other Liabilities (interest-free) $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

New Long-term Liabilities $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Sales of Other Current Assets $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Sales of Long-term Assets $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

New Investment Received $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0Subtotal Cash Received $9,000 $9,115 $12,030 $12,050 $12,070 $13,590 $13,627 $14,130 $14,150 $14,170 $14,190 $14,210

Expenditures Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb

Expenditures from OperationsCash Spending $7,200 $7,200 $7,200 $7,200 $7,200 $7,200 $7,200 $7,200 $7,200 $7,200 $7,200 $7,200

Bill Payments $38 $1,150 $1,150 $1,150 $1,150 $1,150 $1,150 $1,123 $350 $383 $1,350 $1,350Subtotal Spent on Operations $7,238 $8,350 $8,350 $8,350 $8,350 $8,350 $8,350 $8,323 $7,550 $7,583 $8,550 $8,550

Additional Cash SpentNon Operating (Other) Expense $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Sales Tax, VAT, HST/GST Paid Out $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Principal Repayment of Current $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0Borrowing

Other Liabilities Principal Repayment $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Long-term Liabilities Principal $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Repayment

Purchase Other Current Assets $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0Purchase Long-term Assets $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Dividends $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0Subtotal Cash Spent $7,238 $8,350 $8,350 $8,350 $8,350 $8,350 $8,350 $8,323 $7,550 $7,583 $8,550 $8,550

Net Cash Flow $1,762 $765 $3,680 $3,700 $3,720 $5,240 $5,277 $5,807 $6,600 $6,587 $5,640 $5,660Cash Balance $11,762 $12,527 $16,207 $19,907 $23,627 $28,867 $34,144 $39,951 $46,551 $53,138 $58,778 $64,438

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Appendix

Appendix Table: Balance Sheet

Pro Forma Balance Sheet

Assets Starting BalancesMar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb

Current AssetsCash $10,000 $11,762 $12,527 $16,207 $19,907 $23,627 $28,867 $34,144 $39,951 $46,551 $53,138 $58,778 $64,438

Accounts Receivable $0 $3,000 $5,905 $5,915 $5,925 $5,935 $6,444 $6,938 $6,947 $6,957 $6,967 $6,977 $6,987

Inventory $10,000 $9,000 $8,000 $7,000 $6,000 $5,000 $4,000 $3,000 $2,000 $1,000 $1,000 $1,000 $1,000

Other Current Assets $8,000 $8,000 $8,000 $8,000 $8,000 $8,000 $8,000 $8,000 $8,000 $8,000 $8,000 $8,000 $8,000Total Current Assets $28,000 $31,762 $34,432 $37,122 $39,832 $42,562 $47,312 $52,082 $56,898 $62,508 $69,105 $74,755 $80,425

Long-term AssetsLong-term Assets $23,000 $23,000 $23,000 $23,000 $23,000 $23,000 $23,000 $23,000 $23,000 $23,000 $23,000 $23,000 $23,000

Accumulated Depreciation $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total Long-term Assets $23,000 $23,000 $23,000 $23,000 $23,000 $23,000 $23,000 $23,000 $23,000 $23,000 $23,000 $23,000 $23,000Total Assets $51,000 $54,762 $57,432 $60,122 $62,832 $65,562 $70,312 $75,082 $79,898 $85,508 $92,105 $97,755 $103,425

Liabilities and Capital Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb

Current LiabilitiesAccounts Payable $0 $1,112 $1,112 $1,112 $1,112 $1,112 $1,112 $1,112 $338 $338 $1,305 $1,305 $1,305

Current Borrowing $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Other Current Liabilities $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0Subtotal Current Liabilities $0 $1,112 $1,112 $1,112 $1,112 $1,112 $1,112 $1,112 $338 $338 $1,305 $1,305 $1,305

Long-term Liabilities $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0Total Liabilities $0 $1,112 $1,112 $1,112 $1,112 $1,112 $1,112 $1,112 $338 $338 $1,305 $1,305 $1,305

Paid-in Capital $60,000 $60,000 $60,000 $60,000 $60,000 $60,000 $60,000 $60,000 $60,000 $60,000 $60,000 $60,000 $60,000

Retained Earnings ($9,000) ($9,000) ($9,000) ($9,000) ($9,000) ($9,000) ($9,000) ($9,000) ($9,000) ($9,000) ($9,000) ($9,000) ($9,000)

Earnings $0 $2,650 $5,320 $8,010 $10,720 $13,450 $18,200 $22,970 $28,560 $34,170 $39,800 $45,450 $51,120Total Capital $51,000 $53,650 $56,320 $59,010 $61,720 $64,450 $69,200 $73,970 $79,560 $85,170 $90,800 $96,450 $102,120

Total Liabilities and Capital $51,000 $54,762 $57,432 $60,122 $62,832 $65,562 $70,312 $75,082 $79,898 $85,508 $92,105 $97,755 $103,425

Net Worth $51,000 $53,650 $56,320 $59,010 $61,720 $64,450 $69,200 $73,970 $79,560 $85,170 $90,800 $96,450 $102,120

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