SALWA Business Plan

BUSINESS PLAN (GROUP) MGT 4650K-1 Case Study: MGY Engineering Sdn Bhd
*SALWA (BSMS) (0817076), NOREHA (BSMS) (0816216), SHAIRA (BSMS) (0817814), ZULAIHA (BSMS) (0817128), Siti Meriam (BSMS) (0812028), *group leader E-mail of sender representing the group: .......Wani5106@gmail.com........................... Hand phone no. of group leader: ...........0139410859....................... Due date:.....11/12 December 2011 Date of submission: 11 December 2011.. Email attachment: SALWA-Eship Business Plan study Destination Email: MGT 4650K-1 yusof.edu@gmail.com,
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BERJAYA BINA SDN BHD .IIUM
Construction Business Plan

MGT 4650K
SALWA*,SHAIRA,NOREHA, SITI MERIAM, ZULAIHA [11/12/2011]
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1.0 Executive Summary
1.1 Introduction ........................................................................................................................................... 1 1.2 The Company .................................................................................................................................... 1 1.3 Services ............................................................................................................................................. 1 1.4 The Market.2 1.5 Financial Considerations2 2.0 Company Description3 A. Company History3 B. Definition of The Business..3 C. Objectives and Goals...4 D. Mission Statement...4 E. Description of the Products and Services....4 2.2 Company Ownership.6 3.0 Services ................................................................................................................................................. 7 4.0 Market Analysis.8 4.1 Market Segmentation.8 4.2 Target Market Selection 11 4.3 Buyer Behavior Analysis... 12 4.4 Competitor Analysis....12 5.0 Marketing Plan.13 5.1 Marketing Strategies15 5.2 Sales Strategy 17 5.3 Sales Forecast... 18 Table: Sales Forecast 18 Chart: Sales Monthly.118 6.0 Management Summary .20 6.1 Personnel Plan................................................................................................................................. 21 Table: Personnel................................................................................................................................ 21 7.0 Operational plan 22 7.1 General Approach .. 22
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8.0 Financial Plan25 8.1 Important Assumptions.25 Table: General Assumptions.. 25 8.2 Break-even Analysis..26 Chart: Break-even Analysis.26 Table: Break-even Analysis. 8.3 Projected Profit and Loss27 Chart: Profit Monthly............................................................................................................................ Chart: Profit Yearly............................................................................................................................... Chart: Gross Margin Monthly............................................................................................................... Chart: Gross Margin Yearly.................................................................................................................. Table: Profit and Loss ........................................................................................................................... 8.4 Projected Cash Flow .30 Table: Cash Flow .................................................................................................................................. Chart: Cash............................................................................................................................................ 8.5 Projected Balance Sheet 31 Table: Balance Sheet............................................................................................................................. 8.6 Business Ratios32 Table: Ratios ......................................................................................................................................... Table: Sales Forecast .................................................................................................................................. 1 Table: Personnel.......................................................................................................................................... 3 Table: Personnel.......................................................................................................................................... 3 Table: General Assumptions ....................................................................................................................... 5 Table: General Assumptions ....................................................................................................................... 5 Table: Profit and Loss ................................................................................................................................. 6 Table: Profit and Loss ................................................................................................................................. 6 Table: Cash Flow ........................................................................................................................................ 9 Table: Cash Flow ........................................................................................................................................ 9 Table: Balance Sheet................................................................................................................................. 15 Table: Balance Sheet................................................................................................................................. 15
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Berjaya Bina Sdn Bhd
1.0 Executive Summary
Introduction
Berjaya Bina Sdn. Bhd is a construction company and one of a limited-liability company. The company has successfully operated in Kuantan area for the first years working on small scale construction, repair, and alteration projects focusing on residential contracting. With the business boom that is occurring in our local area and the desire to improve overall profit margins, the company is planning to generate target market from small residential clients to the larger scale of resident clients and toward commercial customers. This business plan will lay out our goals and tasks to make this transition successful and create enough market shares to succeed in this highly competitive market.
The Company
Berjaya Bina Sdn. Bhd began in 2011 when five students graduated from International Islamic University Malaysia began their own company, residential and commercial constructions. In 2011 the original company was located at Kuantan city.
As part of its growth and altered focus, Berjaya Bina is planning on changing its charter from a limited liability company to a class C corporation registered in Malaysia.
Services
Berjaya Bina offers comprehensive services designed allow the company to do whatever it takes to finish a project. Some of these services include; design work, remodeling and alterations (renovations), site preparation (building maintenance), carpentry and cement foundations, (concrete Page 1
repair services), painting, and plumbing and utilities installation (repair services) and expert in home interior designs. In addition, skills Berjaya bina lacks can be subcontracted.
The Market
Bandar Indera Mahkota is booming at this moment, overall business growth during this year has averaged approximately 1.5% and is expected to continue for at least the next seven years. This makes for a very attractive market for Berjaya Bina Commercial Contractors.
We will be concentrating on the customers that will provide us with the greatest margin, in other words those clients desiring home (resident) construction. This is the fastest growing segment of commercial clients requiring our services. The other categories that we will serve include the renovations segment, home interior designs segment, building maintenance segment and all other potential commercial clients.
Financial Considerations
Fosse has only a small amount of debt and intends to stay that way. We expect to see increased profits from our market shift efforts by the end of Year 2. Over the next three years we expect lower profits as we make inroads into this tough market. We estimate that we will be able to reduce marginal costs and increase overall profitability by Year 3 or Year 4 as we grow and take advantages of economies of scale.
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2.0 Company Description
A.
Company History
Berjaya Bina Sdn. Bhd is a construction company run by Miss Salwa Izwani, Miss Siti Meriam, Miss Noreha, Miss Shaira and Miss Zulaiha. The business is limited-liability company and owned by five graduates from International Islamic University Malaysia, minor in business administration. Due to their major in study field and experienced during internship, which would be great help in leading the success in the operation of the business.
The ideas of starting a business came from an increasing in demand for residential and commercial constructions. Besides, changes in social forces required people to have wider space of their houses. Therefore, the area proposed at Bandar Indera Mahkota, located at Kuantan city. The Office will be housed at the Malay Town which is in front of East Coast Mall and there is few administration buildings located near the office.
B.
Definition of the Business
An increasing in demand for houses every day especially at Kuantan city and since a few administration buildings and Terminal makmur will be moved to Bandar Indera Mahkota, then Berjaya Bina Enterprise planned to start first construction project at Bandar Indera Mahkota. It provides a variety of services including residential construction, renovation, home interior design, building maintenance, repair services and concrete repair services.
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C.
Objectives and Goals
The company will focus on customers satisfaction and maintain good relationship with the regular customers in order to earn their trust. Companys objectives are :
To shape benchmarks of excellence in home construction industry especially in house renovation.
To constantly improve all aspects of company operations.
To offer the best solutions that benefits client.
To provide clients with highest level of service and product quality
D.
Mission Statement
Berjaya Bina Sdn. Bhd strives to offer the excellent services, highest quality design, and cost effective to all clients. Berjaya Bina continues to synergize the unique strengths and deliver clients expectations. Our company maintains the highest standards of service in the construction industry.
E.
Description of the Products and Services
Berjaya Bina Sdn. Bhd plans to offer comprehensive services that enable clients to contact the company when there is an issue regarding their houses. These services would encompass everything from house construction up to repair services. Page 4
1. Residential Construction The company offers clients dreams home into realities, with cost effective and within clients range of budgets. In addition, strategic locations in urban and rural neighborhoods are chosen to provide better environments for people.
2. Renovation
Not only construct houses, renovation services also available with current trends, customer needs and bursting with innovation and creativity.
3. Home Interior Design
The scope of each residential interior design project is tailored specifically to the individual. The clients will work together with our team to create high quality design and satisfies customers needs.
4. Building Maintenance
The scope is including corrective maintenance and scheduled maintenance. Corrective maintenance requires immediate action to protect the building or parts of the building from further destruction. Available services are repairs for roof leaking, wall crack, broken glass, fallen ceiling, broken chair or workstation and defected door and windows. While, scheduled maintenance are cleaning and civil works.
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5. Repair Services and Concrete Repair Services
A proper concrete repair is necessary for safety of buildings and houses. Besides, repair methods for concrete are based on proven methods and techniques. We focus on quality in each project received.
2.2 Company Ownership Berjaya Bina Sdn. Bhd is a Limited Liability Company registered in the state of Pahang. The company is exclusively owned by Miss Salwa Izwani (20%), Miss Siti Meriam (20%), Miss Noreha (20%), Miss Shaira (20%) and Miss Zulaiha (20%). The company is expecting to alter to a Class C corporation chartered in Pahang in 2016. This will create greater investment opportunities through the acquisition of investment capital from a limited number of shareholders.
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3.0 Services
Berjaya Bina offers a comprehensive package of services designed to allow the client to work with one of our managers and create a project the company can carry forward to completion. Some of the myriad services Berjaya Bina offers are:
1. Residential construction 2. Renovations 3. Home interior designs 4. Building maintenance 5. Repair services 6. Concrete repair services
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4.0 Market Analysis The total market demand in Pahang residential constructions industry sector is huge. The requirement for new houses is expected to be about 709,400 units of which about 6.3%. Besides, the private sector is expected to supply 72.1% of the total requirement. This high percentage of requirement helps new entrants company to start their businesses.
Berjaya Bina Sdn. Bhd has focus on the development demand for both rural and urban located properties. In addition to current changes of administrations location in Kuantan city, then the company relies on government projects as main resources. Our company will focus more on projects that will provide us with highest profit, in other words those clients desiring houses construction.
4.1 Market Segmentation
Berjaya Bina Sdn. Bhd will focus on two market sub-segments of the residential constructions industry segment. The first will be the urban and rural projects segment and the second will be the government contracts segments. 1. Urban and Rural Projects Berjaya Bina focuses on construction projects within urban and rural locations around areas located at Kuantan, especially Bandar Indera Mahkota. The price differences between urban and rural neighborhoods are depends on clients demand. Berjaya Bina desires to establish and maintain longterm relationships with clients to develop a referral network and future repeated business.
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2. Government Contract Projects Government contract projects are helpful in stabilize our companys financial, with contribution of approximately quarter of revenues. Even though the difficulties arise to capture government attentions, but this segment is attractive due to its stability. Contracts from these sources are not dependent on the current market conditions and will provide revenue even when economic goes down. Therefore, economic forces play no roles in this segment.
Other than residential constructions, several categories that we will serve including renovations, home interior designs, building maintenances, repair services and concrete repair services. These categories contributed 60% of all revenues. Besides, renovations are the fastest growing segment of all the clients requiring our services. In contrast to governments residential contract, two categories which are renovations and home interior designs totally relying on economic forces. The demands will increase if an economic turns up and decrease when economic turndown.
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The table below outlines the total market potential of the six targeted market segments in the served markets (in percentage of revenues).
Market Analysis
2007 Potential Customers Residential construction Renovations Home interior designs Building maintenance Repair services Concrete repair services Total Growth 25% 15% 13% 12% 8% 5% 78.00% 2,517 1,779 2,750 1,650 230 124 9,050 2,668 1,832 2,833 2,210 570 234 10,347 2,828 1,887 2,917 2,570 750 367 11,319 2,998 1,944 3,005 2,789 1,759 1,364 13,859 3,178 2,002 3,095 3,010 1,961 533 13,779 2008 2009 2010 2011 CAGR 25.00% 15.00% 13.00% 12.00% 8.00% 5.00% 78.00%
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4.2 Target Market Selection
Berjaya Bina Sdn Bhd primarily focuses on its target market, the residential construction projects, through direct selling via its various relationship and referral networks. In addition, a significant amount of investment will be made in advertising to promote product awareness. An exhibition in few malls such as East Coast Mall, Megamall, Kuantan Parade and Kuantan Plaza helps promote the sales. Other than that, Berjaya Bina sponsors its potential clients travel costs to constructions site. This is the opportunity to prove the capabilities of our products, educate the potential client, and establish a relationship
Since office building construction has the highest average profit margin, we will focus most of our marketing and servicing toward these customers. Usually these clients require the largest projects in scope, land use, and cost. In addition, they tend to be the most sensitive to completion times. Therefore, we plan to accommodate these clients through a well-established and expeditious permitting program, strict cost accounting and supply management, and intensive and comprehensive project management capitalizing on experience in the field.
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4.3 Buyer Behavior Analysis
The factors that caused changes in this industry are its currency and political factors. During elections, the demand for residential construction especially low-cost and medium-cost construction is increase. Moreover, stability in economic forces encourages an investment from foreign companies that increase the demand.
4.4 Competitor Analysis
Currently, Berjaya Bina faces approximately 93 competitors in Kuantan. The top player is Koh Lek Construction & Renovation Sdn. Bhd and has been in the market for 40 years. Their name is very well known and their construction expertise of filling station (petrol), commercial, institutional, and multiunit residential projects throughout Malaysia.
However, each of these companies targets the same clients as Berjaya Bina and each has a fine reputation for customer satisfaction. Though, the market in Kuantan is growing so fast that the demand is currently greater than supply. This is an excellent opportunity to gain market share and a defensible position in the industry
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5.0 Marketing Plan
Description of Services Known for country living and views of the Panorama Mountains with all of the city conveniences, Indera Mahkota is conveniently located off of Sultan Haji Ahmad Shah Road near the Sungai Lembing. Berjaya Bina Sdn. Bhd is offering home buyers many of the facilities found in higher-priced homes without sacrificing comfort or functionality-and first-time buyers can relate to the prices. Features and Benefits Homes range from 3,419 to 6,828 square feet with builder design, or bids on your own home design are provided free of charge. For a Single Story Bungalow, buildup area, 4300sqft, land area 8000sqft.We are provided 4 master sized bedrooms with 4 attached bathrooms.1 small room with attached bathroom. Besides, wet kitchen, dry kitchen, and dining room with a large hall which can be converted into 2 separate halls. Wet kitchen with all built in furniture included stove, cooker hood and oven. There is a porch which can easily fit more than 4 cars. Where peace-of-mind living is concerned, reliable security is particularly important. We come with 24-hour gated and guarded security to safeguard its residents and their belongings. Depending on the phase of construction, the home buyers can choose their own cabinets and carpeting. The builders will pay for costs up to the allowance provided. These homes are reasonably priced in the ranges from RM336, 000 to RM707, 000. It is also offering a one-year warranty and one-on-one follow-up with the owners. The benefits for home buyers are substantial. Home owners build equity in their home as if it were a savings account. Prices of homes continue to rise due to inflation, leaving the homeowner with the ability to sell for a higher price. With the MHL (Malaysia Housing Loan) home buyer guidelines, families can purchase homes providing them with assets for close to the same amount they are paying in rent. Page 13
The benefits in buying a new home from Berjaya Bina Sdn. Bhd come down to three basic benefits QUALITY, EFFICIENCY, and AFFORDABILITY.
Quality Quality is provided by the craftsmanship and one-to-one customer relationship with the owners. In addition to the personal relationship, the new home buyers will have the opportunity to choose from high-quality standard features or enhance their home further with products of their choosing. The quality of the finished product and the care the home can be seen again at closing, the homes are professionally cleaned. The windows are washed and any paint splatter is removed. The carpets are groomed. All the cabinets are cleaned and polished. The floors are hand scrubbed. The new homebuyers can unpack and enjoy their new home immediately. Quality does not end when the buyers move-in. The new home owners have a one year complete warranty on their home. Complete means any problems they encounter with their new home from the concrete to the roof is our problem. We will work with subcontractors and suppliers to remedy the situation. The work will be completed at no charge to the new owners within the first year. We will even meet them at the home to review the work and handle payment.
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Efficiency The Efficiency of the home will be noticed on the owner electrical bill. The increased protection throughout the house and weather proofing will provide the new home owners with an Energy Efficient home to enjoy throughout the year. It will also decrease their cooling cost throughout the year. Affordability Berjaya Bina Sdn. Bhd strives to keep its overhead cost to a minimum in order to offer quality new homes from RM336, 000 to RM707, 000 price ranges. These prices include land with views of the town. We cut our costs and pass the savings onto the home buyers.
5.1 Marketing Strategies Location/Distribution Berjaya Bina Sdn. Bhd is a home-based business and renovation. We meet with customers and promote the company and products at the building site. Administrative functions are performed out of our inhome office. By utilizing new homes under construction as our business site, we are able to show the features and benefits of the home. Price/Quality Relationship The price and quality relationship of the homes we build would be considered Low Price/High Quality. We was past ISO9001 (Quality Management System) and get ISO certificate body in Malaysia. They approved that the homes we was build are solid, well-constructed homes. As testament to that fact: a family moved to Kuantan looked at our job site first, wanted to make an offer, (however, we had just accepted a contract on the house), decided to look at other new homes being built because they wanted a Page 15
place to live as soon as they were transferred, spent four days looking for a house, came back and decided to wait until we could build a home for them because they felt the construction of the home and the features offered for the price surpassed other builders offering home in the same price range
Promotional Strategies Packaging and Customer Service At all times during the construction phase, the job site is kept tidy. Lumber and materials are neatly stacked and organized, the floors are swept, nails are picked up, and garbage kept in a container and removed weekly. The builders have a dress code that includes clean jeans with no holes and a company shirt. At closing, the homes are professionally cleaned. The windows are washed and any paint splatter is removed. The carpets are groomed. All the cabinets are cleaned and polished. The floors are hand scrubbed. The new home buyers can unpack and enjoy their new home immediately. One week after closing, a phone call is made to the buyers from the owners to see if there is any followup service to be completed. Small situations are remedied within one week after the call. Larger or more urgent situations are remedied within the same day. We provide 24-hour service calls depending on the situation. When follow-up work is performed, the service person has a task list approved by the buyer of the work being performed. Upon completion, any mess that is made is cleaned before the service person leaves the home.
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Advertising Most of the advertising of the home is done by our real estate broker and the cost is included as part of the commission. As part of the commission, our homes are featured in the web page www.BerjayaBina.com. Berjaya Bina Guide book and include flyers on the business and homes. Open houses are held two to three times a month. In addition, we have 4X6 signs advertising home sites with the company information. We will be purchasing three additional signs over the next year. We are purchasing letter head, cards, brochures, and folders with the company logo for Marketing Packets. An exhibition in few malls such as East Coast Mall, Megamall, Kuantan Parade and Kuantan Plaza help to promote the sales. Other than that, Berjaya Bina sponsors its potential clients travel costs to constructions site.
5.2 Sales Strategy
The most critical part of sales is not the marketing, but in bidding process, which companies offer their designs, services, material quality, project timeline estimates, and costs. The company that offers the best combination of these variables is the most likely to get the contract. Therefore very detailed project planning, including supply agreements, labor needs, subcontractors, presentation, and other factors, is crucial for Berjaya in winning contracts. We will be designing a standardized method for doing this with all our contracts, with an emphasis on quality, timeliness, and low cost to outbid our competitors.
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5.3 Sales Forecast
Sales forecasts are based on conservative estimates. We expect sales in 2012 to be lower than previously planned as we adjust to a new client base. After that, we expect sales growth to be much higher as we gain market share. Table: Sales Forecast
Sales Forecast 2012 Sales Residential $368,466.00 construction Renovations Home designs Building $234,993.00 maintenance Repair services Concrete services Total $927,759.00 $1,200,388.00 $1,365,264.00 repair $83,980.00 $98,453.00 104, 678 $50,678.00 $87,942.000 $98,345.00 $268,882.00 $398,000.00 interior 23, 564 $32,078.00 $35,872.00 $189,642.00 $232,576.00 $289,766.00 $480,457.00 $543,281.00 RM 2013 RM 2014 RM
Direct Sales
Cost
of 2011 2012 2013
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Residential $276,797.00 construction Renovations Home designs Building $190,872.00 maintenance Repair services Concrete services Subtotal Direct
$694,028.00 $887,325.00 $1,080,361.00
$312,239.00
$348,908.00
$102,564.00 interior $10,982.00
$189,880.00
$230,873.00
$18,986.00
$25,987.00
$228,209.00
$292,480.00
$56,723.00
$70,109.00
$89,124.00
repair $56,090 $67,902.00 $92,989.00
Cost of Sales
Chart: Sales Monthly
Sales Monthly
$100,000 $90,000 $80,000 $70,000 $60,000 $50,000 $40,000 $30,000 $20,000 $10,000 $0 n a J b e F r a M r p A y a M n u J l u J g u A p e S t c O v o N c e D
Resident Construction Renovation work Others work
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6.0 Management Summary Berjaya Bina Sdn Bhd management consist of Miss Salwa Izwani, Miss Siti Meriam, Miss Noreha, Miss Shaira, and Miss Zulaiha. Miss Salwa Izwani and Miss Shaira as a Chief Officer Executive will concentrate on client relation and also dealing with overall management of the company. Miss Siti Meriam and Miss Noreha will be the companys General Project Manager. A general project manager is responsible to coordinate all project management and concentrating on cost controls, dealing with suppliers for material, day-to-day project supervision, and labor relations. General project manager will be assist by project engineer and site supervisor. Miss Zulaiha is responsible for company financial elements. She handling invoicing, claim, and organising the financial and accounting affairs. Berjaya Bina is aiming to expand its personnel by adding a number of jobs parallel with the increasing of the number of projects. The list of jobs superintendents are: Site foreman Procurement executive Contract executive Quality assurance and safety engineer Production supervisor Quality control engineer and supervisor.
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6.1 Personnel Plan The personnel plan will be focused on the number of staffs we will employ. The table on the next page gives our estimate of labor costs.
Personnel Plan
2011 CEO General Project Manager Financial Manager Job Supervisor General employees Total People Total Payroll RM 72,000 RM 72,000 RM 36,000 0 RM 80,000 15 RM 260,000 2012 RM 72,000 RM 72,000 RM 36,000 0 RM 80,000 15 RM 260,000 2013 RM 72,000 RM 72,000 RM 36,000 RM 14,000 RM 100,000 20 RM 294,000 2014 RM 72,000 RM 72,000 RM 36,000 RM 14,000 RM 100,000 20 RM 294,000 2015 RM 72,000 RM 72,000 RM 36,000 RM 14,000 RM 100,000 20 RM 294,000
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7.0 Operational plan It is a design production system to minimize waste of materials, time, and effort in order to generate the maximum possible amount of value. For Berjaya Bina Sdn Bhd, costs and specifications will be a big part of plan. 7.1General approach to operations Services i) Berjaya Bina Sdn Bhd will start to do construction works after get application from customer. ii) Renovation. Berjaya Bina Sdn Bhd was Tiling,Electrical, Plumbing,Plaster Ceiling,Suspended
Ceiling,Partition,Divider,Painting,Metal,Aluminum work,Custom-made Furniture,Laminate & Teak Wood Flooring, Wall To Wall Carpet,Wall Covering,Acoustic Wall, and Soft Furnishing.
Business hours Berjaya Bina Sdn Bhd will operate from 8.00 a.m until 6.00 p.m fromMonday to Sunday Business location Berjaya Bina Sdn Bhd office wil be located at Indera Kota Kuantan. Our office is new structure meeting our requirements guaranteed environmental control. The home project situated at Indera Mahkota which near to Sultan Haji Ahmad Shah Road and Sungai Lembing. This location has been chosen because of natural views of Panorama Mountains with all of the city convenience.
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Facilities Berjaya Bina Sdn Bhd has committed to having the most technologically advanced available. This allows us to produce the highest quality mix at the highest production rates
Equipment Equipment
Office Service equipment and tools Transportation 126,000 130,000
cost ( RM )
150,400
Berjaya Bina Sdn Bhd rents steel plates, steel or aluminum trench shoring products, temporary construction fencing, crane, steel interlocking sheet pile, H-pile, and steel pipe.
Legal Environment

Berjaya Bina Sdn Bhd got licence from Construction Industry Development Board Malaysia Health, workplace or environmental regulations
-construction workers are aware of the importance a safe and healthy working place
-provide a basic knowledge on safety and health at the construction work site
-inform construction workers of the legal requirements in relation to safety and health. Page 23
Automatically covered by a special Insurance Scheme that insures the Construction Personnel against death and accidents.
Builder Risk Insurance is obtained for each new home site in case of loss of property or dwelling prior to being sold to the home buyer.
Employers must follow special regulations and ethics in construction site. Berjaya Bina Sdn Bhd only works on related zoning and building code. Copyrights of any related internal informant and name of company is illegal.
Personnel

Berjaya Bina Sdn Bhd has 15 employees High-value added skilled labour relevant to the needs of the technology applied in Construction techniques
Findings the local or foreign employees from job agencies, make advertisement in newspaper or put banner for job vacancy.
Supervise the construction work by hiring foreman Employers will be having training programme to master use of new technologies in construction. Employees will be given work tasks represent the necessary framework to permit scheduling of construction activities, along with estimating the resources required
Drafted job descriptions for employees to help internal communications with employees.
Methods of record keeping
Accounting and bookkeeping records. Page 24
These records include accounts payables, accounts receivables, lien releases, financial reports, balance sheets, income statements, payroll, job costing, retention, collections, bonding, banking, month-end close-out, bank reconciliations and cash-flow projections
Contracts.
These records include all contracts you have entered into, equipment leases, purchase agreements, and rent agreements
8.0 Financial Plan
The following sections are the financial projections for Berjaya Bina commercial Contractors for the next three years. These tables represent a conservative estimate of revenues, expenses, and growth. We do not anticipate a significant increase in profits until 2006, as we will need time to penetrate our new market. We plan on basing dividend payouts on overall performance and health of the company and may decide to retain such earnings for future growth.
8.1 Important Assumptions
The following is our estimate of our financial assumptions based on previous experience of other company.
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Table: General Assumptions
General Assumptions 2011 Plan Month Current Interest Rate Long-term Interest Rate Tax Rate Other 1 10.00% 10.00% 30.00% 0 2012 2 10.00% 10.00% 30.00% 0 2013 3 10.00% 10.00% 30.00% 0
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8.2 Break-even Analysis
Our break even analysis is based on average monthly fixed costs, which in turn, is based on historical figures, plus our average price per product. This estimate is also based on experience, however because of our wide range of potential projects, its accuracy lessens. The average variable costs are based on industry standards.
Chart: Break-even Analysis
Table: Break-even Analysis
Break-even Analysis
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Monthly Revenue Break-even
$64,451
Assumptions: Average Percent Variable Cost Estimated Monthly Fixed Cost 72% $18,043
8.3 Projected Profit and Loss
The following is our best estimate of future revenues and costs, based on current market trends, past performance, and perceived revenue of our new target market. Readers will note that overall profits are quite low for 20012-20014. This is because we estimate we will be paying higher labor costs immediately and the overall revenues will lag somewhat. We will also have fewer initial clients as we attempt to exert our presence in the commercial contracting market. However, we have anticipated this by buffering ourselves with sufficient cash reserves, and we estimate a significant increase in profitability within five years.
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Chart: Profit Monthly
Chart: Profit Yearly
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Chart: Gross Margin Monthly
Chart: Gross Margin Yearly
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Table: Profit and Loss
Pro Forma Profit and Loss 2012 Sales Direct Cost of Sales Other Costs of Sales Total Cost of Sales $743,736 $535,525 $0 $535,525 2013 $880,434 $648,586 $0 $648,586 2014 $996,495 $734,085 $0 $734,085
Gross Margin Gross Margin %
$208,211 28.00%
$231,848 26.33%
$262,410 26.33%
Expenses Payroll Sales and Marketing and $180,000 Other $2,400 $180,000 $2,400 $212,400 $2,400
Expenses Depreciation Rent Utilities Insurance Payroll Taxes Other $0 $0 $1,320 $3,600 $27,000 $2,200 $1,000 $0 $1,320 $3,800 $27,000 $2,500 $1,000 $0 $1,600 $4,200 $27,000 $3,000 Page 31
Total Operating Expenses
$216,520
$218,020
$251,600
Profit Before Interest and Taxes EBITDA Interest Expense Taxes Incurred
($8,309) ($8,309) $3,498 $0
$13,828 $14,828 $2,964 $3,259
$10,810 $11,810 $2,564 $2,474
Net Profit Net Profit/Sales
($11,807) -1.59%
$7,605 0.86%
$5,773 0.58%
8.4 Projected Cash Flow
We do not expect to have any serious cash flow problems in the future. We plan on having all shortterm debts paid off in 2007 and long-term debts by 2012. The declining cash account during the period covered by this plan, and is to be expected as we build our new customer base. Once we reach a sufficient volume of sales, we will take advantages of economies of scale to decrease costs and improve profit margin.
Table: Cash Flow
Pro Forma Cash Flow 2004 Cash Received 2005 2006
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Cash from Operations Cash Sales Cash from Receivables Subtotal Cash from Operations $483,428 $248,641 $732,069 $572,282 $301,751 $874,033 $647,722 $343,339 $991,061
Additional Cash Received Sales Tax, VAT, HST/GST Received New Current Borrowing New Other Liabilities (interest-free) New Long-term Liabilities Sales of Other Current Assets Sales of Long-term Assets New Investment Received Subtotal Cash Received $0 $0 $0 $0 $0 $0 $0 $732,069 $0 $0 $0 $0 $0 $0 $0 $874,033 $0 $0 $0 $0 $0 $0 $0 $991,061
Expenditures
2004
2005
2006
Expenditures from Operations Cash Spending Bill Payments Subtotal Spent on Operations $180,000 $567,657 $747,657 $180,000 $694,038 $874,038 $212,400 $777,110 $989,510
Page 33
Additional Cash Spent Sales Tax, VAT, HST/GST Paid Out Principal Repayment of Current Borrowing Other Liabilities Principal Repayment Long-term Liabilities Principal Repayment Purchase Other Current Assets Purchase Long-term Assets Dividends Subtotal Cash Spent $0 $5,000 $0 $2,400 $0 $0 $0 $755,057 $0 $2,000 $0 $2,000 $0 $0 $0 $878,038 $0 $2,000 $0 $2,000 $0 $0 $0 $993,510
Net Cash Flow Cash Balance
($22,988) $17,440
($4,005) $13,435
($2,449) $10,986
Page 34
Chart: Cash
8.5 Projected Balance Sheet
The following is a presentation of assets and liabilities. Because we have low debt, our net worth is higher than other comparable companies.
Page 35
Table: Balance Sheet
Pro Forma Balance Sheet 2004 Assets 2005 2006
Current Assets Cash Accounts Receivable Inventory Other Current Assets Total Current Assets $17,440 $34,824 $35,509 $37,991 $125,764 $13,435 $41,224 $72,006 $37,991 $164,656 $10,986 $46,659 $76,162 $37,991 $171,797
Long-term Assets Long-term Assets Accumulated Depreciation Total Long-term Assets Total Assets $20,421 $8,000 $12,421 $138,185 $20,421 $9,000 $11,421 $176,077 $20,421 $10,000 $10,421 $182,218
Liabilities and Capital
2004
2005
2006
Current Liabilities Accounts Payable $25,575 $59,862 $64,231 Page 36
Current Borrowing Other Current Liabilities Subtotal Current Liabilities
$15,000 $21,677 $62,252
$13,000 $21,677 $94,539
$11,000 $21,677 $96,908
Long-term Liabilities Total Liabilities
$16,639 $78,891
$14,639 $109,178
$12,639 $109,547
Paid-in Capital Retained Earnings Earnings Total Capital Total Liabilities and Capital
$0 $71,101 ($11,807) $59,294 $138,185
$0 $59,294 $7,605 $66,899 $176,077
$0 $66,899 $5,773 $72,671 $182,218
Net Worth
$59,294
$66,899
$72,671
8.6 Business Ratios
The following is a presentation of industry standard ratios vs. our own projections. Our SIC industry class is currently Commercial and office building, new construction - 1542.0101. For the most part, we follow the industry averages. We expect to see higher growths than average over the next two years due to our new ventures. Also our company is relatively debt-free, meaning we have higher than average net worth.
Page 37
Table: Ratios
Ratio Analysis 2004 2005 2006 Industry Profile Sales Growth 30.03% 18.38% 13.18% 4.60%
Percent of Total Assets Accounts Receivable Inventory Other Current Assets Total Current Assets Long-term Assets Total Assets 25.20% 25.70% 27.49% 91.01% 8.99% 100.00% 23.41% 40.89% 21.58% 93.51% 6.49% 100.00% 25.61% 41.80% 20.85% 94.28% 5.72% 100.00% 24.47% 26.16% 37.01% 87.64% 12.36% 100.00%
Current Liabilities Long-term Liabilities Total Liabilities Net Worth
45.05% 12.04% 57.09% 42.91%
53.69% 8.31% 62.01% 37.99%
53.18% 6.94% 60.12% 39.88%
40.60% 12.11% 52.71% 47.29%
Percent of Sales Sales Gross Margin 100.00% 28.00% 100.00% 26.33% 100.00% 26.33% 100.00% 15.22% Page 38
Selling, General & Administrative 29.58% Expenses Advertising Expenses Profit Before Interest and Taxes 0.00% -1.12%
25.47%
25.75%
7.62%
0.00% 1.57%
0.00% 1.08%
0.24% 1.94%
Main Ratios Current Quick Total Debt to Total Assets Pre-tax Return on Net Worth Pre-tax Return on Assets 2.02 1.45 57.09% -19.91% -8.54% 1.74 0.98 62.01% 16.24% 6.17% 1.77 0.99 60.12% 11.35% 4.53% 1.93 0.94 4.32% 56.40% 9.90%
Additional Ratios Net Profit Margin Return on Equity
2004 -1.59% -19.91%
2005 0.86% 11.37%
2006 0.58% 7.94% n.a n.a
Activity Ratios Accounts Receivable Turnover Collection Days Inventory Turnover Accounts Payable Turnover Payment Days Total Asset Turnover 7.47 59 10.91 22.20 28 5.38 7.47 45 12.07 12.17 21 5.00 7.47 46 9.91 12.17 29 5.47 n.a n.a n.a n.a n.a n.a
Page 39
Debt Ratios Debt to Net Worth Current Liab. to Liab. 1.33 0.79 1.63 0.87 1.51 0.88 n.a n.a
Liquidity Ratios Net Working Capital Interest Coverage $63,512 -2.38 $70,117 4.67 $74,889 4.22 n.a n.a
Additional Ratios Assets to Sales Current Debt/Total Assets Acid Test Sales/Net Worth Dividend Payout 0.19 45% 0.89 12.54 0.00 0.20 54% 0.54 13.16 0.00 0.18 53% 0.51 13.71 0.00 n.a n.a n.a n.a n.a
Page 40
Appendix Table: Sales Forecast
Sales Forecast Jan Sales New Construction Repair work Alteration work Total Sales 0% 0% $12,777 $14,555 $16,909 $19,539 $20,285 $21,410 $25,615 $33,111 $28,366 $23,163 $18,842 $15,842 $14,222 $12,170 $16,909 $19,539 $20,285 $21,410 $25,615 $30,861 $28,366 $23,163 $18,842 $14,378 $39,169 $39,895 $51,727 $58,617 $62,347 $64,230 $78,845 $92,938 $85,098 $69,489 $56,526 $44,855 0% $12,170 $13,170 $17,909 $19,539 $21,777 $21,410 $27,615 $28,966 $28,366 $23,163 $18,842 $14,635 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Direct Sales New
Cost
of
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
$8,580
$9,285
$12,626 $13,775 $15,353 $15,094 $19,469 $20,421 $19,998 $17,372 $13,849 $10,976
Construction Repair work Alteration work $9,008 $10,261 $11,921 $15,338 $15,924 $15,094 $18,059 $23,343 $21,275 $16,330 $13,284 $11,169 $11,921 $15,338 $15,924 $15,094 $18,059 $21,757 $21,275 $16,330 $13,284 $10,136
$10,027 $8,580
Page 1
Appendix Subtotal Direct Cost of Sales $27,614 $28,126 $36,468 $44,451 $47,200 $45,282 $55,586 $65,521 $62,547 $50,032 $40,416 $32,281
Page 2
Appendix Table: Personnel
Personnel Plan Jan Miss Salwa 0 $6,000 Izwani, CEO Miss Shaira Anisa, 0 General % Project Manager Miss.Noreha, 0 Financial % Maneger Miss, Meriam Siti 0 $3,000 % $6,000 $6,000 $3,000 $3,000 $3,000 $6,000 $6,000 $6,000 $6,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $6,000 $6,000 $6,000 $6,000 $6,000 $6,000 $6,000 $6,000 $6,000 $6,000 $6,000 $6,000 % $6,000 $6,000 $6,000 $6,000 $6,000 $6,000 $6,000 $6,000 $6,000 $6,000 $6,000 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Page 3
Appendix Office Manager Miss Zulaikha Job Supervisor Temporary employees Total People 0 % 15 15 15 15 15 15 15 15 15 15 15 15 0 %
Total Payroll
$21,66 67
$21,66 67
$21,66 67
$21,66 67
$21,66 $21,6667 67
$21,666 7
$21,66 $21,6667 67 $21,6667
$21,666 $$21,6667 7
Page 4
Appendix Table: General Assumptions
General Assumptions Jan Plan Month Current Interest Rate Long-term Interest Rate Tax Rate Other 30.00% 0 30.00% 0 30.00% 0 30.00% 0 30.00% 0 30.00% 0 30.00% 0 30.00% 0 30.00% 0 30.00% 0 30.00% 0 30.00% 0 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 1 10.00% Feb 2 10.00% Mar 3 10.00% Apr 4 10.00% May 5 10.00% Jun 6 10.00% Jul 7 10.00% Aug 8 10.00% Sep 9 10.00% Oct 10 10.00% Nov 11 10.00% Dec 12 10.00%
Page 5
Appendix Table: Profit and Loss
Pro Profit Loss
Forma and
Jan Sales Direct Cost of Sales Other of Sales Total Cost of Sales $27,614 Costs $0 $39,169 $27,614
Feb $39,895 $28,126
Mar $51,727 $36,468
Apr $58,617 $44,451
May $62,347 $47,200
Jun
Jul
Aug
Sep
Oct
Nov
Dec $44,855 $32,281
$64,230 $78,845 $92,938 $85,098 $69,489 $56,526 $45,282 $55,586 $65,521 $62,547 $50,032 $40,416
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$28,126
$36,468
$44,451
$47,200
$45,282 $55,586 $65,521 $62,547 $50,032 $40,416
$32,281
Gross Margin Gross Margin %
$11,555 29.50%
$11,769 29.50%
$15,259 29.50%
$14,166 24.17%
$15,147 24.29%
$18,948 $23,259 $27,417 $22,551 $19,457 $16,110 29.50% 29.50% 29.50% 26.50% 28.00% 28.50%
$12,574 28.03%
Page 6
Appendix
Expenses Payroll Sales Marketing and Other and $15,000 $200 $15,000 $200 $15,000 $200 $15,000 $200 $15,000 $200 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $200 $200 $200 $200 $200 $200 $15,000 $200
Expenses Depreciation Rent Utilities Insurance Payroll Taxes Other 15% $0 $0 $110 $300 $2,250 $0 $0 $0 $110 $300 $2,250 $200 $0 $0 $110 $300 $2,250 $500 $0 $0 $110 $300 $2,250 $0 $0 $0 $110 $300 $2,250 $500 $0 $0 $110 $300 $2,250 $0 $0 $0 $110 $300 $2,250 $0 $0 $0 $110 $300 $2,250 $500 $0 $0 $110 $300 $2,250 $500 $0 $0 $110 $300 $2,250 $0 $0 $0 $110 $300 $2,250 $0 $0 $0 $110 $300 $2,250 $0
Total Operating Expenses
$17,860
$18,060
$18,360
$17,860
$18,360
$17,860 $17,860 $18,360 $18,360 $17,860 $17,860
$17,860
Page 7
Appendix
Profit Before Interest Taxes EBITDA Interest Expense Taxes Incurred and
($6,305) ($6,291) ($3,101) ($3,694) ($3,213) $1,088
$5,399
$9,057
$4,191
$1,597
($1,750) ($5,286)
($6,305) ($6,291) ($3,101) ($3,694) ($3,213) $1,088 $320 $314 $309 $304 $299 $294
$5,399 $289
$9,057 $284
$4,191 $279
$1,597 $274
($1,750) ($5,286) $269 $264
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
Net Profit Net Profit/Sales
($6,625) ($6,605) ($3,410) ($3,999) ($3,512) $794 -16.92% -16.56% -6.59% -6.82% -5.63% 1.24%
$5,111 6.48%
$8,773 9.44%
$3,912 4.60%
$1,323 1.90%
($2,019) ($5,550) -3.57% -12.37%
Page 8
Appendix Table: Cash Flow
Pro
Forma
Cash Flow Jan Cash Received Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Cash
from
Operations Cash Sales Cash from $25,460 $11,579 $25,932 $33,623 $38,101 $12,035 $13,718 $14,101 $40,526 $18,185 $41,750 $20,559 $51,249 $60,410 $21,843 $22,651 $55,314 $27,760 $45,168 $36,742 $29,156 $32,437 $29,602 $24,170
Receivables Subtotal Cash from $37,038 $37,967 $47,340 $52,202 $58,710 $62,309 $73,093 $83,061 $83,074 $77,605 $66,344 $53,326
Operations
Page 9
Appendix Additional Cash Received Sales VAT, HST/GST Received New Current Borrowing New Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Tax, 0.00% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Liabilities (interestfree) New Longterm Liabilities Sales Other Page 10 of $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Appendix Current Assets Sales Long-term Assets New Investment Received Subtotal Cash Received $37,038 $37,967 $47,340 $52,202 $58,710 $62,309 $73,093 $83,061 $83,074 $77,605 $66,344 $53,326 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 of $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Expenditures
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Expenditures from Operations Cash $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 Page 11
Appendix Spending Bill Payments Subtotal Spent on $40,998 $33,420 $47,638 $64,549 $71,314 $68,631 $62,117 $85,403 $94,521 $77,130 $54,185 $47,750 $25,998 $18,420 $32,638 $49,549 $56,314 $53,631 $47,117 $70,403 $79,521 $62,130 $39,185 $32,750
Operations
Additional Cash Spent Sales VAT, HST/GST Paid Out Principal Repayment of Current $400 $500 $400 $400 $500 $400 $400 $400 $400 $400 $400 $400 Tax, $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Borrowing Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Page 12
Appendix Liabilities Principal Repayment Long-term Liabilities Principal Repayment Purchase Other Current Assets Purchase Long-term Assets Dividends Subtotal Cash Spent $0 $41,598 $0 $0 $0 $0 $72,014 $0 $69,231 $0 $0 $0 $95,121 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $200 $200 $200 $200 $200 $200 $200 $200 $200 $200 $200 $200
$34,120 $48,238 $65,149
$62,717 $86,003
$77,730 $54,785 $48,350
Page 13
Appendix Net Flow Cash Balance $35,868 $39,715 $38,816 $25,870 $12,566 $5,644 $16,020 $13,078 $1,030 $905 $12,464 $17,440 Cash ($4,560) $3,847 ($898) ($12,947) ($13,304) ($6,922) $10,375 ($2,942) ($12,048) ($125) $11,559 $4,976
Page 14
Appendix Table: Balance Sheet
Pro
Forma
Balance Sheet Jan Assets Starting Balances Feb Mar Apr May Jun Jul Aug Sep Oct Nov
Current Assets Cash Accounts Receivable Inventory Other Current $43,220 $37,991 $30,376 $37,991 $30,939 $37,991 $40,114 $37,991 $48,896 $37,991 $51,920 $37,991 $49,810 $37,991 $61,144 $37,991 $72,073 $37,991 $68,802 $37,991 $55,035 $37,991 $44,458 $37,991 $40,428 $23,157 $35,868 $25,288 $39,715 $27,215 $38,816 $31,602 $25,870 $38,017 $12,566 $41,654 $5,644 $43,575 $16,020 $49,327 $13,078 $59,204 $1,030 $61,228 $905 $53,113 $12,464 $43,295
Page 15
Appendix Assets Total Current Assets $144,796 $129,522 $135,860 $148,524 $150,774 $144,131 $137,020 $164,482 $182,347 $169,051 $147,044 $138,207
Long-term Assets Long-term Assets Accumulated $8,000 Depreciation Total Long- $12,421 term Assets Total Assets $157,217 $141,943 $148,281 $160,945 $163,195 $156,552 $149,441 $176,903 $194,768 $181,472 $159,465 $150,628 $12,421 $12,421 $12,421 $12,421 $12,421 $12,421 $12,421 $12,421 $12,421 $12,421 $12,421 $8,000 $8,000 $8,000 $8,000 $8,000 $8,000 $8,000 $8,000 $8,000 $8,000 $8,000 $20,421 $20,421 $20,421 $20,421 $20,421 $20,421 $20,421 $20,421 $20,421 $20,421 $20,421 $20,421
Liabilities and Capital
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Page 16
Appendix Current Liabilities Accounts Payable Current Borrowing Other Current Liabilities Subtotal Current Liabilities $67,077 $58,629 $71,772 $88,046 $94,495 $91,564 $83,859 $106,410 $115,701 $98,694 $75,563 $68,945 $21,677 $21,677 $21,677 $21,677 $21,677 $21,677 $21,677 $21,677 $21,677 $21,677 $21,677 $21,677 $20,000 $19,600 $19,100 $18,700 $18,300 $17,800 $17,400 $17,000 $16,600 $16,200 $15,800 $15,400 $25,400 $17,352 $30,995 $47,669 $54,518 $52,087 $44,782 $67,733 $77,424 $60,817 $38,086 $31,868
Long-term Liabilities Total Liabilities
$19,039
$18,839
$18,639
$18,439
$18,239
$18,039
$17,839
$17,639
$17,439
$17,239
$17,039
$16,839
$86,116
$77,468
$90,411
$106,485
$112,734
$109,603
$101,698
$124,049
$133,140 $115,933 $92,602
$85,784
Page 17
Appendix Paid-in Capital Retained Earnings Earnings $0 ($6,625) $64,476 ($13,231) ($16,641) ($20,640) ($24,152) ($23,357) ($18,247) ($9,474) $57,870 $54,460 $160,945 $50,461 $163,195 $46,949 $156,552 $47,744 $149,441 $52,854 $176,903 $61,627 ($5,561) $65,540 ($4,238) $66,863 ($6,257) $64,844 $71,101 $71,101 $71,101 $71,101 $71,101 $71,101 $71,101 $71,101 $71,101 $71,101 $71,101 $71,101 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Capital $71,101 Total Liabilities and Capital
$157,217 $141,943 $148,281
$194,768 $181,472 $159,465 $150,628
Net Worth
$71,101
$64,476
$57,870
$54,460
$50,461
$46,949
$47,744
$52,854
$61,627
$65,540
$66,863
$64,844
Page 18

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BUSINESS PLAN (GROUP) MGT 4650K-1 Case Study: MGY Engineering Sdn Bhd

BERJAYA BINA SDN BHD .IIUM

Construction Business Plan

1.0 Executive Summary

Berjaya Bina Sdn Bhd

1.0 Executive Summary

Berjaya Bina Sdn Bhd

Berjaya Bina Sdn Bhd

2.0 Company Description

Definition of the Business

Berjaya Bina Sdn Bhd

Objectives and Goals

To shape benchmarks of excellence in home construction industry especially in house renovation.

To constantly improve all aspects of company operations.

To offer the best solutions that benefits client.

To provide clients with highest level of service and product quality

Description of the Products and Services

Berjaya Bina Sdn Bhd

3. Home Interior Design

Berjaya Bina Sdn Bhd

5. Repair Services and Concrete Repair Services

Berjaya Bina Sdn Bhd

Berjaya Bina Sdn Bhd

4.1 Market Segmentation

Berjaya Bina Sdn Bhd

Berjaya Bina Sdn Bhd

Berjaya Bina Sdn Bhd

4.2 Target Market Selection

Berjaya Bina Sdn Bhd

4.3 Buyer Behavior Analysis

4.4 Competitor Analysis

Berjaya Bina Sdn Bhd

5.0 Marketing Plan

Berjaya Bina Sdn Bhd

Berjaya Bina Sdn Bhd

Berjaya Bina Sdn Bhd

Berjaya Bina Sdn Bhd

5.2 Sales Strategy

Berjaya Bina Sdn Bhd

5.3 Sales Forecast

of 2011 2012 2013

Berjaya Bina Sdn Bhd

$102,564.00 interior $10,982.00

repair $56,090 $67,902.00 $92,989.00

Chart: Sales Monthly

Resident Construction Renovation work Others work

Berjaya Bina Sdn Bhd

Berjaya Bina Sdn Bhd

Berjaya Bina Sdn Bhd

Berjaya Bina Sdn Bhd

Berjaya Bina Sdn Bhd

Methods of record keeping

Accounting and bookkeeping records. Page 24

Berjaya Bina Sdn Bhd

8.0 Financial Plan

8.1 Important Assumptions

Berjaya Bina Sdn Bhd

Table: General Assumptions

Berjaya Bina Sdn Bhd

8.2 Break-even Analysis

Chart: Break-even Analysis

Table: Break-even Analysis

Berjaya Bina Sdn Bhd

Monthly Revenue Break-even