UNIVERSIDAD DE DAGUPAN

Arellano Street, Dagupan City

School of Business and Accountancy

Trade Name: Kapit Ani Inc.

Logo:
Tagline: Katulong Sa Pag-Angat Sa Buhay
Capital: 1 Million
Walking Capital: 500,000

Employee Salary:

Accountant: 800 a day

Financial : 580 a day
2 Office Assistant: 480 a day
2 Collector: 480 a day

What Business? - LENDING COMPANY

Allocation: Estrellas Building 2nd Floor, Arellano Street Dagupan.

EXPENSES:

BIR: 2,500
DTI: 500
M.P: 2,000
B.P: 1,000
Estimation of Expense: Office Rent 32,000 Monthly
x3
96,000 – 3 mons deposit for the rent
Utilities: 5K monthly
Equipment: Computers = 15,000 set of two
Office equipment = 30,000
Target Costumers: Employers
Business owner
Real state
Pricing: 12% Interest rate for every loan for daily payment.
10% Interest rate for every loan for monthly payment.
Starting Loan Approval: 5,000

Loan Process :

Costumer Credit Credit

management analysis presentation

Portfollio risk Covenants Decisioning

management monitoring approval

Interest rate

Amount Daily interest 12% Monthly interest 10%

5,000 600 500

10,000 1,200 1,000
20,000 2,400 2,000
30,000 3,600 3,000