  

    

   

  
 
  
www.smeda.org.pk
 
    3 
92 42 111 111 456 
92 42 36304926-7
helpdesk@smeda.org.pk

    

   15-A      52   33
(081) 831623, 831702  (091) 9213046-47  (021) 111-111-456 (042) 111-111-456 
(081) 2831922 (091) 286908 (021) 5610572 (0423)6304926-7
helpdesk-qta@smeda.org.pk helpdesk-pew@smeda.org.pk helpdesk-khi@smeda.org.pk helpdesk.punjab@smeda.org.pk

         

   

       
   

1
   
3   1

3   2

3 
   
 3

3   4

4      5

4    6

4  
 7

5    8

5   9

5    10

5    11

5  11.1

5   11.2

6    11.3

6   11.4

7  11.5

7     11.6

8     11.7

8   
  11.8

9     11.9

9  11.10

10   
 12

11  13

11    13.1

12     13.2

13     13.3

14    13.4

15   13.5

16  14

      

   

2
  DISCLAIMER  1
             
       
                
           
     SMEDA    
    
 
   
                   
          
 
    
    
www.smeda.org.pk         
 


 PURPOSE OF THE DOCUMENT  2

        
         
     
               
               
    
                     
                
     
         

  3
 INTRODUCTION TO SMEDA    

   
  SME       1998            

     
    SMEs  SME        
 
              
                

  
    SME       

  
     SMEs   
                 


 
                 

      

   

3
 (Introduction to Scheme)   -4
       
                      
  2013-14 (PM Youth Bussiness Loan)  
      
   
    
      
    8 

    (Equity)  (Debt)
  SME      10:90  
       
     
  
            
 
          
    SMEDA    
             
   SMEDA   
  
  www.smeda.org.pk       

 EXECUTIVE SUMMARY    .5


  
            
  20       
1.7       2.1   60
  

   
 60 IRR   
      
 

 BRIEF DESCRIPTION OF PROJECT & PRODUCT    6

  1970
  50        
      
  
  
   60%

 
         

          
  
  
 
    150,000      
 
  
  

      

   

4
   6
        

 CRITICAL FASTORS 

 7
   .
      .
 
 .
        
      .
     .
  
   
   
   
   
   FCR  

 Installed & Operational Capacities   .8

    150000 
 60   30    20000 
     20,000  

 Geographical Potential for Investment   .9


   5 4            
   


 Potential Target Markets/Cities   .10

          
          
    
       

 PROJECT COST SUMMARY   .11

 
 
           
 
           
  

      

   

5
  PROJECT ECONOMICS11.1
 60 IRR        60    

  

1
  
60% 
2.5years 
Rs 11,820,504 
   
           

 PROJECT FINANCING  11.2

         
  

  2
1

 
Rs 209,716  
Rs 1,887,444 

8% 
 
8 
 
1 

 PROJECT COST   .11.3

     
   3
   
75,000 
270,000 
100,000 
   

      

   

6
 470,000  
150,000  
1,065,000 
1,032,160 
2,097,160 

 SPACE REQUIREMENT  .11.4

       10       75
               
 6 15    
     6      7,900
   

 4
   
 
  2 70,000

 200 90,000

       110,000

 270,000

 270,000   75,000       3  
  10    
      
 MACHINERY & EQUIPMENT  .11.5
         
 
    
          

     
  

      

   

7
  5
      

Pumps 2 2 50,000 100,000

Piping    1000 m 175 175,000

Aeration Fans   8 15,000 120,000

Nets  Lump sum 50,000

Lightings  25,000

 470,000

    .11.6

     100,000 
  
    
 
  

    6

   
 1 25,000 25,000
 1 10,000 10,000
 2 2,500 5,000
 1 10,000 10,000

 1 50,000 50,000
 100,000

   .11.7

            
  
    
  7
     
   1 430,400 430,400
  100 24,102 2,410,240
   2,840,640
      
   

8
   .11.8
 
   8
 
        
 1 25,000 25,000
 1 12,000 12,000

 3 10,000 30,000
   1 10,000 10,000
  6 77,000
                
10                   6
       
       
 REVENUE  11.9
       10       
     
   
9  
      
   
PL 20   428 12,051 5,157,914

 5,157,914

.11.10

       
    
   1  
  
   144,000 
      10,00   
  
 
     Non Salaried      
10
  
   20%

 8%
 9.2%

      

   

9
  -12

 

 
  12 3


        
  90 4-B   
021-99203291


     
  90 4-B   
021-99203291

     

021-32316535-7

      

   

10
  ANNEXURES.13
 INCOME STATEMENT   13.1

      

   

11
  CASH FLOW STATEMENT     13.2

      

   

12
  BALANCE SHEET    13.3

      

   

13
     .13.4
  
      
       
   
 
         
  
    
   
    

         
    

 
   
   
        
 
    

      

   

14
  USEFUL LINKS   .13.5

Prime Minister's Office www.pmo.gov.pk

Small & Medium Enterprises Development Authority (SMEDA) www.smeda.org.pk

National Bank of Pakistan (NBP) www.nbp.com.pk

First Women Bank Limited (FWBL) www.fwbl.com.pk

Government of Pakistan www.pakistan.gov.pk

Ministry of Industries & Production www.moip.gov.pk

Ministry of Education, Training & Standards in Higher Education http://moptt.gov.pk

Government of Punjab www.punjab.gov.pk

Government of Sindh www.sindh.gov.pk

Government of Khyber Pakhtunkhwa www.khyberpakhtunkhwa.gov.pk

Government of Balochistan www.balochistan.gov.pk

Government of Gilgit Baltistan www.gilgitbaltistan.gov.pk

Government of Azad Jammu and Kashmir www.ajk.gov.pk

Trade Development Authority of Pakistan (TDAP) www.tdap.gov.pk

Securities and Exchange Commission of Pakistan (SECP) www.secp.gov.pk

Federation of Pakistan Chambers of Commerce and Industry (FPCCI) www.fpcci.com.pk

      

   

15
  KEY ASSUMPTIONS   .14
Item Assumption(s)

Sales Volume Increase 5 %

Sales Price Increase 10%

Increase in Cost of Sales 10%

Increase in Staff Salaries 10 % per year

Increase in Utilities 10 % per year

Increase in Rent 10 % per year

Increase in Office Expenses 10 % per year

Debt / Equity Ratio 90 : 10

Depreciation: Premises Renovation 10 % per annum (Diminishing Balance)

Furnitur 10 % per annum (Diminishing Balance)

Loan Period 8 Years

Loan Installments Monthly

Financial Charges (Loan Rate) 8 % per annum

Bad Debts 1% of Sales

Grace Period 1 year

      

   

16