9.

Economic Sector: Trade (Mini Market)

10. Types of the business and products:
Types of the business is retailer in the market, that means selling of different good and consumable products
to the consumers. and our major products packed foods, botteled water, beverage, and so on.
11. Year of the plan: from ________________________________ to ____________________________
12. Purpose of the loan requesed:
To expand the existing business (for inve for investment __________________ or for working capital _______________

To diversity _________________(for investment __________________ or for working capital _______________)

13. Intial capital in birr when the business was commenced: 10,000 ETB
According to business extent
14. Current capital in birr: 150,000 ETB
15. Business status: New ________________ Growing ________________ or Matured ________________
16. Working premises: Own ________________ Rental ________________ or Leased ________________

17. Previous sales trend:

______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________

18. Real demand of the product:

______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________

19. Total loan required for the business in birr: 300,000 ETB
20. Amount of loan requested in birr: 200,000 ETB
21. Owne cash contribution in birr: 100,000 ETB
22. Previous credit history of the enterprise, if any
_____________________________________________________________________________
______________________________________________________________________________
23. Management competency, especially financial record keeping and material management
_____________________________________________________________________________
_____________________________________________________________________________
_____________________________________________________________________________
24. Audit report and other relevant information on the business:
25. Soundness of the business; monthly cash flow statements
50 THOUS100 THOU100 THOU150 THOUS
Monthly gross sale: 38,000 68,600 142,100 142,100
Expense (for purchase of raw materials) 26,600 48,020 95,207 95700
other expenditure 2,500 4,000 11,600 11,600
Repayment (interest): 0 291.67 833.5 833.5
Total expense: 29,100 52,312 107,641 108,134
Gross profit: 11,400 20,580 46,893 46,400
Net income before tax: 8,900 16,288 34,460 33,967
 Month 1 2 3 4 5 6 7
Day 29 29 29 29 29 29 29
Materials 3300 3300 3300 3300 3300 3300 3300
Cost of
95700 95700 95700 95700 95700 95700 95700
Material
+ Staff 3600 3600 3600 3600 3600 3600 3600
+ Others 8000 8000 8000 8000 8000 8000 8000
Total
Operation 107300 107300 107300 107300 107300 107300 107300
costs
Interest 833.5 833.5 833.5 833.5 833.5 833.5 833.5
+ Capital cost Depreciati
on
40 40 40 40 40 40 40

Grand
= Total 108173.5 108173.5 108173.5 108173.5 108173.5 108173.5 108173.5
costs

Repayment 1 2 3 4 5 6 7 8
Period Amount Amount Amount Amount Amount Amount Amount Amount
Loan-1 100,000 ETB
Installment/pr 8,334 8,334 8,334 8,334 8,334 8,334 8,334 8,334
incipal
Interest 833.5 833.5 833.5 833.5 833.5 833.5 833.5 833.5

Sum of
Installment
& Interest 9167 9167 9167 9167 9167 9167 9167 9167
 8 9 10 11 12
29 29 29 29 29
3300 3300 3300 3300 3300

95700 95700 95700 95700 95700

3600 3600 3600 3600 3600 3600

8000 8000 8000 8000 8000 2500

107300 107300 107300 107300 107300

2500
833.5 833.5 833.5 833.5 833.5 8600

40 40 40 40 40

108173.5 108173.5 108173.5 108173.5 108173.5

9 10 11 12 13 14 15 16 17 18
Amount Amount Amount Amount Amount Amount Amount Amount Amount Amount

8,334 8,334 8,334 8,334 8,334 8,334 8,334 8,334 8,334 8,334

833.5 833.5 833.5 833.5 833.5 833.5 833.5 833.5 833.5 833.5

9167 9167 9167 9167 9167 9167 9167 9167 9167 9167
 19 20 21 22 23 24
Amount Amount Amount Amount Amount Amount

8,334 8,334 8,334 8,334 8,334 8,334

200004
833.5 833.5 833.5 833.5 833.5 833.5 20004

9167 9167 9167 9167 9167 9167 220008

Month 1 2 3 4 5 6 7
Day 29 29 29 29 29 29 29
Rentailer
Turnover 4900 4900 4900 4900 4900 4900 4900

I. Total Sales 142100 142100 142100 142100 142100 142100 142100

Total
- Operation costs
107300 107300 107300 107300 107300 107300 107300

II. Total Costs 107300 107300 107300 107300 107300 107300 107300

I – II Profit
34800 34800 34800 34800 34800 34800 34800
(before tax)
- Income tax 0% 696 696 696 696 696 696 696
Net profit
34104 34104 34104 34104 34104 34104 34104
(after tax)
 8 9 10 11 12
29 29 29 29 29
4900 4900 4900 4900 4900

142100 142100 142100 142100 142100

107300 107300 107300 107300 107300

107300 107300 107300 107300 107300

34800 34800 34800 34800 34800

696 696 696 696 696 7656

34104 34104 34104 34104 34104

 Pre
Month 1 2 3 4 5 6
Operation
Cash beginning of
40,000 285632 311264 336896 362528 388160
the month
+ Equity 60,000 - - - - -
+ Loans 200,000 - - - - -
+ Sales 142100 142100 142100 142100 142100 142100
+ Any other - - - - - - -
I: Total cash in 0 442100 427732 453364 478996 504628 530260
Investment 40,000 - - - - -
+ Operational cost 107300 107300 107300 107300 107300 107300
+ Interest 833.5 833.5 833.5 833.5 833.5 833.5

+ Installment 8334.5 8334.5 8334.5 8334.5 8334.5 8334.5

II: Total cash out 0 156,468 116468 116468 116468 116468 116468

I – II Cash at the
end of the month
0 285,632 311264 336896 362528 388160 413792
 7 8 9 10 11 12

413792 439424 465056 490688 516320 541952

- - - - - -
- - - - - -
142100 142100 142100 142100 142100 142100
- - - - - -
555892 581524 607156 632788 658420 684052
- - - - - -
107300 107300 107300 107300 107300 107300
833.5 833.5 833.5 833.5 833.5 833.5

8334.5 8334.5 8334.5 8334.5 8334.5 8334.5

116468 116468 116468 116468 116468 116468

439424 465056 490688 516320 541952 567584

Repayment 1 2 3 4 5 6 7
Period Amount Amount Amount Amount Amount Amount Amount
Loan-1 250,000 ETB
Installment/principal 2083.33 2083.34 2083.34 2083.34 2083.34 4166.67 4166.67
Interest 208.34 208.34 208.34 208.34 208.34 291.67 291.67
Sum of Installment &
Interest 2291.67 2291.68 2291.68 2291.68 2291.68 4458.34 4458.34

Soundness of the business; monthly cash fl

Monthly gross sale:
Expense (for purchase of raw ma
other expenditure
Repayment (interest):
Total expense:
Gross profit:
Net income before tax:
 8 9 10 11 12 13 14 15 16 17
Amount Amount Amount Amount Amount Amount Amount Amount Amount Amount

4166.67 4166.67 4166.67 4166.67 4166.67 4166.67 4166.67 4166.67 4166.67 4166.67
291.67 291.67 291.67 291.67 291.67 291.67 291.67 291.67 291.67 291.67

4458.34 4458.34 4458.34 4458.34 4458.34 4458.34 4458.34 4458.34 4458.34 4458.34

s of the business; monthly cash flow statements

Monthly gross sale: 38,000 68,600 71,050 142,100 142,100 47,850
Expense (for purchase of raw materials) 26,600 48,020 47,746 95,207 95700 6,800
other expenditure 2,500 4,000 6,800 11,600 11,600 291.67
Repayment (interest): 0 291.67 291.67 833.5 833.5 54,942
Total expense: 29,100 52,312 54,837 107,641 108,134 71,050
Gross profit: 11,400 20,580 23,304 46,893 46,400 16,108
Net income before tax: 8,900 16,288 16,213 34,460 33,967
 18 19 20 21 22 23 24
Amount Amount Amount Amount Amount Amount Amount

4166.67 4166.67 4166.67 4166.67 4166.67 4166.67 4166.67 89583.42

291.67 291.67 291.67 291.67 291.67 291.67 291.67 6583.43

4458.34 4458.34 4458.34 4458.34 4458.34 4458.34 4458.34 96166.85

71,050
47,850
23,200
 30. Balance sheet as at ______________________________: (if any)

S/N ASSETS
1 Cash: a) in hand
b) in bank
c) in MFI
d) Total
2 Current recievable
a) Accounts Iqub
b) Other recievables
c) Goods stock
d) Total current recievables
3 Payment on merchandise (repayment)
Total current asset (1, 2 & 3)
4 Fixed assets (business)
Equipment and merchandise
Vehicles
Building
Furniture and fittings
Business assets
Total fixed assets
Total assets (1, 2, 3 & 4)
Liabilities
5 Current Liabilities
a) Accounts Iqub
b) Tax payable
c) Bank loan (short term)
d) Other short term loan
Total current Liabilities (a, b, c & d)
6 Long term Liabilities
a) Long term debt-banks
b) Long term debt-others
Total Long term Liabilities (a & b)
Total Liabilities (5 & 6)
Capital and reserve
7 Total liabilities and capital (5, 6)

WEDP Business loan delivery manual 1

__________: (if any)

Amount Remark
60,000
40,000

100,000

67,656
67,656

167,656

40,000

40,000
207,656

7,656

7,656

200,000

200,000
207,656

207,656

WEDP Business loan delivery manual 1

31. INCOME STATEMENT

Average
S/N Income monthly
1 Sales 98,400
2 cost of goods sold (expenses) 69,800
beigining inventory as at
Add purchases for the period
Less ending inventory
Total cost of goods sold 69,800
3 Gross margin [1-2 (total)] 28,600
4 Expenses 69,800
wage & salary expenses 2,000
Business premises rent
Utilities 700
Transportation 3,000
Maintenance and repair
Tax 550
Insurance
Total Business Expenses 76,050
5 Personal/ households
Food and related expenditures
Health
Rent
Utilities 460
Payment for social obligations (iqub)
Transportation 500
Others 1050
Total Personal / households Expenses 2010
6 Others households incomes
7 Net income [(1+6) - (4+5)] 20,340
 Project Increase (in
after loan %)
142100 69.247009148
95,700 72.936259143

95,700 72.936259143
46,400 61.637931034
95,700 72.936259143
3,600 55.555555556

900 77.777777778 800

4,400 68.181818182 500 34404
33967
696 79.022988506 437

105,296 72.224965811

3100
4000
600 76.666666667 500 900
8000
800 62.5 300 3600
1437 73.068893528 400 11600
2837 70.849488897 2,500

33,967 59.881649837
16,667
17,300