1. (A Nobin Udyokta Project) Presented by: Md.Ruhul Amin 29 th SB Design Lab (executive session) 17 th September, 2014 at Yunus Centre

2. Name:Md. Ruhul Amin Age:30 years Marital status:Married Children:N/A No. of siblings::3 Brothers,1 sister Parent’s and GB related Info (i) Who is GB member (ii) Mother’s name (iii) Father’s name (iv) GB member’s info Further Information: (v) Who pays GB loan installment (vi) Mobile lady (vii) Grameen Education Loan (viii)Any other loan like GCCN, GKF (ix) Others :::::::::::::::::: Mother Father Mrs. Jahana Begum Mr. Humayun Kobir Branch: Sonapur Centre: 4/m Loan no.1405 Member since 22-08-1993 First loan: Tk 5000 Existing loan: Tk. 48000, Outstanding: Tk 39012 Father N/A Education, till to date:Class Ten

3. Present Occupation:Tailoring Business Experiences Training Info :::: 12 years Previously worked as a worker in a Tailoring Shop Other Family Sources of Income :Father has a dairy farm (4 cows) and he also does agricultural works Other Own/Family Sources of Liabilities :N/A NU Project Source/Reference :GT Ramgonj unit office,Laxmipur.

4. -Built own house using GB loan. -Bought some pieces of agro-land. -NU’s Father started his dairy farm with GB Loan.

5. Business Name:Chamak Fashion and Tailors Address/ Location:Baluya Choumuhoni bazar, dokkhin par,Ramgonj, Laxmipur. Total Investment in BDT:300000/- Financing:Self BDT 100000/- (from existing business) 33 % Required Investment BDT 200000/- (as equity) 67 % Present salary/drawings from business (estimates) :15980/- Proposed Salary10000/- Proposed Business Implementation Plan (i)% of present gross profit margin (ii) Estimated % of proposed gross profit margin (iii) Agreed grace period :::::: 25% 11 months

6. Self employment for the entrepreneur. Become a Prominent Nobin Udyokta. Create employment opportunities for others (especially for family members of Grameen Bank Borrowers). Cater to demand for clothing products and tailoring services in the community. Selling quality clothing products to community. Contribute in improving socio-economic condition.

7. Particulars Existing Business (BDT) DailyMonthly Yearly Income from making charge 50015000180000 Income from cloth sales500060000 Gross Profit (C) [C=(A-B)] 20000240000 Less: Operating Costs Electricity bill 4505400 Generator bill 2503000 Shop Rent 150018000 Night Guard bill 50600 Servicing 100012000 Others+ entertainment3504200 Non Cash Item: Depreciation Expenses 4205040 Total Operating Cost (D) 402048240 Net Profit (C-D): 15980191760

8. Particulars Existing Business (BDT) (1) Proposed (BDT) (2) Total (BDT) (1+2) Investments in different categories: Different kind of stock items (Existing) Sewing machine(7*5000) - 35000/- Furniture - 15000/- Cloths and others - 5000/- Advance - 5000/- Cash on hand - 40000/- 100,000/- Proposed items Folding machine - 150,000/- Cloths( pant, shirt, borkha,panjabi Three piece, unsteach cloths)and others - 50,000/- 200,000/- Total Capital300,000/-

9. Particulars Year 1 (BDT)Year 2 (BDT) Daily Monthly YearlyDaily Monthly Yearly Income from making charge 5001500018000060018000216000 Income from cloths 1000012000010000120000 Income from folding machine 2507500900003009000108000 Gross Profit 3250039000037000444000 Less: Operating Costs Electricity bill50060006007200 Shop Rent 150018000150018000 Night Guard bill 506001001200 Entertainment 30036004004800 Mobile Bill (SMS & Reporting inclusive) 6072060720 Proposed Salary- Self 1000012000012000144000 servicing 150018000150018000 Others 30036003003600 Non Cash Item: Depreciation Expenses 235028200235028200 Total Operating Cost 1656019872018810225720 Net Profit 1594019128018190218280 Pay back 120000 Retained money 71280 98280 Notes: There is no labor cost. Because labors are get wages from own productions.

10. S TRENGTH Long standing relationship with Grameen Well Known business man in locality. Provide quality Cloths. Experienced and skilled labor. W EAKNESS Credit sales Increase products price. O PPORTUNITIES Increase the demand of quality clothing products in locality. People are being conscious of quality Central point of market beside four way road and near to school. T HREATS Other competition Load shading Theft Fire.

12. Presented at 29th SB Executive Design Lab on 14 September, 2014 at YC Thank you For Further Information Grameen Trust Phone No : 9017038 Md. Ruhul Amin Cell No: 01710914168