PM-NCR-03.07-F.

15
DOLE KABUHAYAN PROGRAM
GROUP BUSINESS PLAN

I. PROJECT BRIEF

Proponent ACP/Proponent Beneficiary : CORDOVA/GORAN LOWLAND FARMERS ASSOCIATION

Proposed Business/Project : CORDOVA/GORAN LOWLAND FARMERS ASSOCIATION
RICE RETAIL BUSINESS (CGLFA)
No. of Beneficiaries : 34
Total Project Cost : Php 300,000.00
 DOLE Support :
 Proponent ACP/Proponent :
Beneficiary
Contact Person : PRES. JESUS PASCUAL MANALIGOD
Contact Number : 09069395964/09264348809

II. EXECUTIVE SUMMARY

Marketing Aspect
Considering that the product is used for daily consumption, the target market are the people living
within the community who mostly are employed and self-employed and are engaging into
microbusiness in the Barangay. Most of these consumers are the target customers of the Rice Retail
Business. However, competitors on this line of business are just in every corner, the thirty-four (34)
active association’s members are mainly the prime buyers and users of the product. The association
will ensure that the product is affordable and is of high quality.

Production Aspect
To meet the demand continuously from the regular customers, the association ensure the product’s
supplies shall be maintained from direct dealers/distributors. This business entity is mostly found in
the area of Tuguegarao City and other Municipalities nearby. The rice to be acquired will be
purchased in a wholesale price and can be delivered into the Association. The organization will be
utilizing one of the Member’s stall/spaces and will serve as the warehouse of the goods for safety and
outlet store.

Management Aspect
The business project will be managed by the Organization. A Project Management Team will be
assigned and the President will act as the General Manager of the project. The other positions will be
assigned to the member-beneficiaries of the project.

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Financial Aspect
As propose, the Department of Labor and Employment’s Kabuhayan Program will finance the project
“CGLFA RICE RETAIL BUSINESS”. A total of 34 beneficiaries will be receiving the products amounting
to Three Hundred Thousand Pesos (Php 300,000.00) to benefit from the DOLE program.

Collaboration of Stakeholders’ Commitments (Organization/ACP, beneficiaries, etc.)

As part of the Organization’s commitment, the officers and members are ready to face the challenges
and obstacles once this project have materialized. Such undertakings are:

1. Participation of all the members will be strictly emphasize to increase their awareness and
strengthen their capacity to sustain the livelihood and eventually become a business entity
competing in the community;
2. Attend the capacity building to be conducted by the organization in partnership with different
training institutions and government agency;
3. As a proponent, focus the management of the business to become sustainable and be a model
in the community;
4. Progress report will be regularly submitted to the update the status of the project;
5. Require members, particularly the beneficiaries, to attend meetings and activities undertaken
by the DOLE and the Organization; and
6. Support other programs and activities implemented by DOLE, Local Government and other
agency through the organization.

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III. ORGANIZATION/ACP/PROPONENT OVERVIEW

The CORDOVA/GORAN LOWLAND FARMERS ASSOCIATION is a legitimate association

organized by residents from Goran and Cordova, Amulung, Cagayan which aims to empower
the members, specially the farming sector, in learning how to generate income from any
kinds of livelihood activity apart from their produce. Most of the members are coming from
the informal sector within the area. At present, the Association’s official address is located in
Cordova, Amulung, Cagayan.

These members are residents of Goran and Cordova, which are considered among the poor
and low-income sector in the community. To augment their needs, they have organized such
association in order to expand their capability and to learn how to augment their needs by
running a micro and petty business within the community. At present, the Association has 34
active members. As mandated by their By-Laws, general membership elected a President,
Vice President, Secretary, Treasurer, Auditor, Business Manager, P.R.O., Board of Directors,
and Committees on Education, Finance and Development, Audit and Inventory and Election.

The term of Office of the elected Officers are two (2) years. Quarterly Meetings are scheduled
every 2nd Saturday of every 3rd month of each Quarter, while the Annual General assembly is
scheduled every 2nd Saturday of December.

IV. INTRODUCTION

A. Background Information
The Establishment of the Organization is geared towards the objectives and goals to
members in community to bring together the farmers, women, solo parents and unemployed
in creation of an organization which will help them acquire knowledge, capacitate and
empower them in field of micro-entrepreneurship and small-scale business. Upon linkages
with the Local Government and the DOLE, it is of this Association’s members which
undertook various livelihood trainings and seminars of some courses on Gender Sensitivity
and awareness, Community Building and other capacity trainings and seminars. These
learnings are of great help in maintain and expanding the member’s role in the association,
which in turn will be beneficial to their individual growth and advancement in the field of
micro business and dealings.

However, most micro enterprise is very vulnerable in the business community. Profitability
and stability and stability depends on how conducive in the environment where the business
is established. Because of the active participation of the Organization’s members, they were
informed about the Department of Labor and Employment’s (DOLE) Kabuhayan Program that
had assisted many organizations and associations.

Upon learning of the DOLE program, the officer and members of CORDOVA/GORAN
LOWLAND FARMERS ASSOCIATION) and agreed to submit an application and project
proposal where the number of beneficiaries will be thirty-four (34) active members of the
association and are residents of Brgy. Goran and Cordova, Amulung, Cagayan.

In relation to these, the of CORDOVA/GORAN LOWLAND FARMERS ASSOCIATION had

outlined programs for the target beneficiaries. Seminars on Simple Bookkeeping, Marketing
and other capability training are included to enhance their entrepreneurial skills.

The objectives of this project are:

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 1. To promote entrepreneurship by establishing business in the community;
2. To create a sustainable business to members for them to have additional income to
augment their family’s needs;
3. To bring economic impact in the area and eventually become a role model in the
business community;
4. To promote busine-oriented community-based organizations, undertaking collective
production and marketing techniques for long-term sustainability.

The proposed project dubbed as CORDOVA/GORAN LOWLAND FARMERS ASSOCIATION is

very feasible intended for the members and in the community. The association will focus on
Rice Retailing Business. This product is a daily consumption of every Filipino in their food
table. The target customers are:

1. Members of the association comprising of thirty-four (34);

2. Small Restaurants, Carinderia and other small food chain in the community; and
3. Non-members/Household consumers.

V. THE PROPOSED BUSINESS/PROJECT

The CORDOVA/GORAN LOWLAND FARMERS ASSOCIATION RICE RETAIL BUSINESS is a project of the
association that will help the members and will boost their entrepreneurial skills in the community.
Although Rice business are prevalent in the community, the Association is optimistic venturing in
this business is feasible.

1. Marketing Plan
1. The main target market are the beneficiaries itself and other members;
2. Competitor probably are the retailers and wholesalers in the community;
3. Opportunities from these projects are:
a. It will give employment in the community;
b. It will have a main source of income for the organization;
c. It can give opportunity to gain income through retailing the goods.
4. The advantages from the other distributor-seller in the market:
a. The business product has direct customers already;
b. Members purchased goods can be made pre-order and will be ready to pick-up at
most convenient time;
c. Members can consign the goods especially those who want to open a retail business
within their neighborhood;
5. To safeguard the Rice, a warehouse will be utilized which will also served as an outlet store
of the business.

2. Product’s Quality
1. The Association will ensure that the product are affordable and has good quality since it is a
daily consumption of every household in the community;
2. Affordability does not only mean of lower cost, but also competitive in the market because
its high quality; and
3. The organization and the producers or distributors may have to make agreement to ensure
the products sustainability and availability.

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Page 5 of 10
 3. Management Plan
The Board will create a Project Management Team (PMT). They will be selected from among the
beneficiaries of the Association. The PMT will be in-charge for the operations of the business
project. They will volunteer personnel and will be appointed and assigned in different positions.
However, they will be given minimal allowance during the performance of their duties. The Project
Management Team are:

Position Duties and responsibilities No.of

Personnel/volunteers
Board of The BOT is the governing body of the organization. The BOT Seven (7)
Trustees (BOT) appoints the personnel, staff/volunteers and ensure the best
interest of the stakeholders. The BOT formulates the Rules
and policies for the smooth directions of the management
and operations.
Store  Will be responsible in overseeing the daily operations One (1)
Manager of the store making sure it runs smoothly and
effectively;
 Implements policy and procedures set by the BOT for
the business project;
 See to it that report on sales and inventory is strictly
accomplished as required to concern volunteer staff;
and
 Prepare and submit operational and financial report to
BOT during monthly meeting.
Retail  Will report to the Store and will be responsible to One (1)
Merchandisers ensure that the right amount of goods are available at
the store and sold at the right price;
 Work closely to buyers and analyze prices and
volumes and time scales of the products in the store;
and
 Prepare and submit sales report to Store managers
after closing of store hours.

To properly execute their assigned duties and responsibilities, the Association will initiate a training on:

c.1. Capacity Building:

 Simple Bookkeeping and Inventory

c.2. Livelihood Trainings:

 Product Manufacturing Technique

Those trainings is a short courses to be facilitated by the Association’s partner institutions like
the DOLE and the LGU. All the beneficiaries should attend and complete the said trainings which will be
their primary requirements in the project.

c.3. Commitment (for Stakeholders and Proponent)

The CORDOVA/GORAN LOWLAND FARMERS ASSOCIATION RICE RETAIL BUSINESS through its
Officers will assure:
 Member – beneficiaries of this project is requiring to attend and complete the trainings on simple
Bookkeeping, costings, Basic merchandising, marketing and inventory that is being initiated and

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 plan in this project;
 Make separate records of financial and other pertinent documents on this project for easy access
of DOLE during their visitorial audit and examination; and
 Follow the procedures requirements as agreed between DOLE and CORDOVA/GORAN LOWLAND
FARMERS ASSOCIATION like bearing logos on signages and streamers on any activity related on
this business project.

4. Financial Plan

Name Project No. Of Beneficiaries Cost of Project

CORDOVA/GORAN LOWLAND FARMERS 34 members Php 300, 000.00
ASSOCIATION RICE RETAIL BUSINESS

d.1.a Cost of Direct Materials/Products

Quantity Unit Cost Total Cost
120 sacks (50kls) Php 35.50/kilo
Cagayan Rice RC18
120 sacks x Php 1,770.00 Php 212, 400.00
100 sacks (25kls) 35/kilo
Joshua Rice
99 sacks x Php 875 Php 87, 500.00
Weighing Scales 2 units Php 487.50 Php 975.00
(2 units)
TOTAL>>> Php 300,000.00

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 d.1.a Cost of Sales

Quantity Unit Cost Total Cost

120 sacks (50kls) Php 40/kilo
Cagayan Rice RC18
120 sacks x Php 2,000.00 Php 240,000.00
100 sacks (25kls) 40/kilo
Joshua Rice
99 sacks x Php 1000 Php 99,000.00

Total Income from sales was projected every 15 days Php 16,100.00 x
or at twice a month computation twice a month
TOTAL>>> Php
32,2000/month

d.2. Overhead Cost

1. Administrative Cost (Monthly Working Activity) - as mentioned, these volunteered
personnel will receive allowance during the performance of their duties. They are responsible
for the administration and management of the business project hence, they shall undergo
appropriate trainings and seminars before the operation.

Position Rate # of Staff Total Cost

(Monthly)
Store Manager Php One (1) Php 2,000.00
2,000/month
Store Merchandiser Php 100/day Php 100 x 26 days =
(allowance) One (1) Php 2, 600.00
TOTAL allowances >>> Php 4, 600.00

2. Utilities : Php 500.00

3. Transportation : Php 500.00

4. Rent : Php 1, 000.00

5. Others : Php 1, 000.00

Total Overhead Cost Php 7,600.00

d.3. Pre-Operating Costs

These trainings and seminars are vital for the preparations of business project. The
Association shall request assistance from LGU to facilitate said activity. Training expenses will
be shoulder by the member- beneficiaries.

Date/s Types of Training Institution Venue No. of Pax Resources Needed

Training/Seminars
Simple LGU -34 Cost of Training
Bookkeeping and Participants Materials = Php 500.00

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 product Inventory -2 trainors Lunch & Snack
34x P100 = Php 3,400.00
Total on Pre operating Cost = Php 3,400.00

D.4. Total Project Cost

FUNDING SOURCE
ITEM TOTAL COST Proponent/ Beneficiar
DOLE Others
Org ies
1. Land
2. Building
12,000 (CGLFA)
-Rent of Store
3. Working Capital 5,000 (CGLFA)
1. Raw Materials 300,000 DOLE
2. Labor
3. Store Furniture &
Equiptment -2,000
-Tables and chairs -5,000
(CGLFA)
-Racks and Estante -2,000
-Paper bags (Supot) -3,000
-Weighing Scale
4. Overhead/
Administrative Cost
 Allowances
-4,600
 Rent
-12,000
 Marketing
-
 Utilities (CGLFA)
-500
 Transportation
-500
 Miscellaneous
-1,000
(Other expenses)
4. Pre-Operating Expenses
CGLFA
 Training 3,400 Beneficiar
ies
 Licenses/Permits 1,000 (CGLFA)
 Others 1,000 (CGLFA)

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E. Stakeholders’ Commitments
1. Participation of all members will be strictly emphasized to increase awareness and strengthen
their capacity to sustain the livelihood and eventually increase their awareness and strengthen
their capacity to sustain the livelihood and eventually become a business entity competing in the
community;
2. Attendance to capacity building conducted by the organizations in partnership with different
training institutions and government agencies;
3. Focus the management of the business to become sustainable and be a model in the
community;
4. Progress Report will be regularly submitted to update the status of the project;
5. Require members to attend meetings and activities undertaken by the DOLE and the
Organization;
6. Support other programs and activities implemented by DOLE, Local Government and other
agency through organization;
7. Member-beneficiaries of this project is required to attend and complete the trainings on simple
Bookkeeping, costings, marketing and inventory that is being initiated and plan in this project;
8. Make a separate record of financial and other pertinent data on this project for easy access of
DOLE during their visitorial audit examination; and
9. Follow the procedures and requirements as agreed between DOLE and the association like
bearing of DOLE logos on signages and streamers on any activity related on this business project.

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