Analysis Jared

Business Name Elfinesh & Dani'el Agriculture.
Current Year 2021
Revenue As it is
Gross Sales 2,015,000.00
Less: Return & allowances -
Net Sales 2,015,000.00
Cost of Goods Sold

Less: Fixed material cost -
Less: Direct material cost 720,000.00
Less: Direct labor cost -
Less: Other overhead costs (if any)
Less: Total Cost of Gods Sold 720,000.00
Gross Profit 1,295,000.00
Operating Expenses (Selling and General Administrative Expenses)

Less: Salary expenses 72,000.00
Less: Telephone -
Less: Insurance -
Less: Municipality fee -
Less: Rent -
Less: Maintenance -
Less: Fuel & Lubricants -
Less: Transport -
Less: Loading & unloading -
Less: Revenue Stamp -
Less: Promotion -
Less: Utilities -
Less: others -
Less: Total Operating Expenses 72,000.00
Equal: Operating Profit 1,223,000.00

Less: Interest expense 149,600.00
Equal: Income before provision for income taxes 1,073,400.00
Less: Estimated Income Taxes 92,847.00
Equal: Net Income after taxes 980,553.00

Formula: Net Profit After Taxes / Net Sales 43.42
Formula: Gross Profit = (Revenue – Cost of Goods Sold) / Revenue 0.64
Formula: Profit Margin = Operating profit / Interest expenses 2,552.44
Type of Enterprise WEDP
* Dairy farm/Milk production

2021
As Proposed
2,015,000.00
- -
2,015,000.00
-
720,000.00
-
720,000.00
1,295,000.00
72,000.00
-
-
-
-
-
-
-
-
-
-
-
- For 12 months
72,000.00 Sales 2,015,000.00 2,015,000.00 1,155,000.00
DMC 720,000.00 720,000.00 687,500.00
1,223,000.00 DLC - - 22,500.00
112,217.00 IMC 72,000.00 72,000.00 52,500.00
1,110,783.00 792,000.00 792,000.00 762,500.00
235,892.33 -
1,223,000.00 1,223,000.00
874,890.67
Fixed
-
Recommendable 792,000.00 700,000.00
But Coll. Value 765,697.04
Recommended 700,000.00
58,333.33
Credit Risk Level of Elfinesh & Dani'el Agriculture. Branch Barentu MFS
S/No. Particulars Weight given
1 Memorandum of association In %
1.1. Member’s full name & Tele No Should be listed 4
Members’ signature should be signed on each page of the
1.2. memorandum 3
1.3. Should have the organizer & their own stamp 3
Total 10%
2 Pre-Loan Saving In %
2.1. If Pre loan saving indicated in the manual as a mandatory saved 10
2.2. If not Zero
Total 10%
Socially acceptability and environment friendly of the
3 In %
business.
3.1.1. If socially acceptable and environment friendly 10
3.1.
3.1.2. If only socially acceptable 5
3.2. If none satisfied Zero
Total 10%
4 Working premises & sales outlet In %
4.1.1. If conducive working premises & sales outlets is available 10
4.1.
4.1.2. If only conducive working premises 5
Total 10%
5 Renewed license, MSME certificate and stamped application In %
5.1. Renewed license 3.5
5.2. MSE certificate (Green card for WEDP) 3.5
5.3. Stamped & signed application 3
Total 10%
6 Market accessibility (Market linkage) In %
6.1. If market linkage is created 10
6.2. If market is properly assessed and analyzed 7
Total 10%
7 Related training on the business In %
7.1. Acquired training on the business (evidence) 10
7.2. If no training Zero
Total 10%
8 Credit History of the borrowers In %
8.1.1. If the client has borrowed and repaid its debt based on pre-
10
8.1. agreed schedule
8.1.2. If the client has borrowed and didn’t pay on time 5
Total 10%
9 Experience of the business, In %
9.1. If the client has work experience on the business for more than or 10
equal to 1 year
9.2. If the client has work experience from 6months to one year 5
9.3. If the client has no Work experience Zero
Total 10%
10 Guarantee/Collateral status of the loan In %
10.1.1. If the collateral offered is property (house) 10
10.1. 10.1.2. If the collateral is letter guarantee 7
10.1.3. If the collateral is cross guarantee 5
Total 10%
Ground Total 100%
Summary of Elfinesh & Dani'el Agriculture

S/N Evaluation Criteria Weight given
1 Memorandum of association 10%
2 Pre loan Saving status requested on the manual 10%
3 Socially acceptability and environment friendly of the business 10%
4 Working premises & sales outlet 10%
5 Renewed license, MSME certificate & stamped application 10%
6 Market accessibility (Market linkage) 10%
7 Related training on the business 10%
8 Credit history of the borrower 10%
9 Experience of the business 10%
10 Guarantee/Collateral status of the loan 10%
Total 100%
Evaluation Points=80
Scores 84%
The Credit Risk Level of Elfinesh & Dani'el Agriculture is 16.25% which is low. This implies that, OCSSCO can provide
the loan to this enterprise.
Amount Recommended:
IC Purchsed of Fixed asset (Investment Capital) -
Direct Material Cost 628,000.00
WC Direct Labor Cost -
Indirect Cost 72,000.00
Total Amount 700,000.00
Prepared by: Checked by:

Name: ________________________________ Name: ___________________________
Signature: ___________________________ Signature: ______________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 2,015,000.00
Cost of Goods Sold 720,000.00
Profit Margin 1.80
Operating Expenses (Admin & Selling Expenses 72,000.00
Operating Profit 1,223,000.00
Interest Expenses 112,217.81
Profit before Estimated income Taxes 1,110,782.19
Estimated Income Taxes 166,617.33
Net Profit Margin: Ne Profit After Taxes/Net Sales 46.86
Operating Profit less Estimated Income Taxes 944,164.86
Aproximate Monthly Profit 78,680.41

Monthly Installment Payment 20,380.06
Monthly Gain/Loss 58,300.35
* Dairy farm/Milk production

Branch Barentu MFS
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
mplies that, OCSSCO can provide
__________________________
re: ______________________
__________________________ For 12 months
Sales 2,015,000.00 2,015,000.00 1,155,000.00
DMC 720,000.00 720,000.00 687,500.00
DLC - - 22,500.00
IMC 72,000.00 72,000.00 52,500.00
792,000.00 792,000.00 762,500.00
-
1,223,000.00 1,223,000.00
Fixed
-
divided by 12 months
78,680.41
Interest not deducted Recommendable 792,000.00 700,000.00
Including interest But Coll. Value 765,697.04
Business Name Ramedan Amano Manufacturing.
Current Year 2021
Revenue As it is
Net Sales 7,402,000.00
Cost of Goods Sold

Less: Direct material cost 5,505,640.00
Less: Direct labor cost 54,000.00
Less: Total Cost of Gods Sold 5,559,640.00

Less: Telephone -
Less: Insurance -
Less: Rent 12,000.00
Less: Maintenance -
Less: Transport 36,000.00
Less: Promotion -
Less: Utilities 13,200.00
Less: others 206,800.00

Equal: Net Income after taxes 1,005,414.93

Type of Enterprise BL
* Wood works
2021
As Proposed
7,402,000.00
- -
7,402,000.00
-
5,505,640.00
54,000.00
5,559,640.00
1,842,360.00
292,800.00
-
-
-
12,000.00
-
-
36,000.00
-
-
-
13,200.00
206,800.00 For 2 months
560,800.00 Sales 7,402,000.00 1,233,666.67 1,155,000.00
DMC 5,505,640.00 917,606.67 687,500.00
1,281,560.00 DLC 54,000.00 9,000.00 22,500.00
112,217.00 IMC 560,800.00 93,466.67 52,500.00
1,169,343.00 6,120,440.00 1,020,073.33 762,500.00
235,892.33 -
1,281,560.00 213,593.33
933,450.67
Fixed
-
Recommendable 1,020,073.33 1,000,000.00
But Coll. Value 2,317,323.92
Recommended 1,000,000.00
83,333.33
Credit Risk Level of Ramedan Amano Manufacturing. Branch Adama
1.2. Members’ signature should be signed on each page of the memorandum 3
Total 10%
2.2. If not Zero
Total 10%
3 Socially acceptability and environment friendly of the business. In %
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
8.1.1. If the client has borrowed and repaid its debt based on pre-agreed
10
8.1. schedule
Total 10%
9.1. If
the client has work experience on the business for more than or equal to
1 year 10
Total 10%
10.1.
Total 10%
Ground Total 100%
Summary of Ramedan Amano Manufacturing.

Total 100%
Scores 84%
The Credit Risk Level of Ramedan Amano Manufacturing. is 16.25% which is low. This implies that, OCSSCO can provid
loan to this enterprise.
Amount Recommended:
WC Direct Labor Cost 9,000.00
Total Amount 1,000,000.00

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 7,402,000.00
Cost of Goods Sold 5,559,640.00
Profit Margin 0.33
* Wood works
Branch Adama MFS
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
es that, OCSSCO can provide the
___________________________
re: ______________________
__________________________ For 2 months
Sales 7,402,000.00 1,233,666.67 1,155,000.00
DMC 5,505,640.00 917,606.67 687,500.00
DLC 54,000.00 9,000.00 22,500.00
IMC 560,800.00 93,466.67 52,500.00
6,120,440.00 1,020,073.33 762,500.00
-
1,281,560.00 213,593.33
Fixed
-
80,422.12
Interest not deducted Recommendable 1,020,073.33 1,000,000.00
Including interest But Coll. Value 2,317,323.92
Business Name Almaz Fole Trade.
Current Year 2021
Revenue As it is
Net Sales 5,084,000.00
Cost of Goods Sold


Less: Telephone 3,500.00
Less: Insurance -
Less: Maintenance -
Less: Promotion -
Less: others -


* Furniture Decoration Trade.

2021
As Proposed
5,084,000.00
- -
5,084,000.00
-
1,500,000.00
-
1,500,000.00
3,584,000.00
36,000.00
3,500.00
-
-
36,000.00
-
-
36,000.00
-
-
-
15,000.00
- For 2 months
126,500.00 Sales 5,084,000.00 2,542,000.00 1,155,000.00
DMC 1,500,000.00 750,000.00 687,500.00
3,457,500.00 DLC - - 22,500.00
112,217.00 IMC 126,500.00 63,250.00 52,500.00
3,345,283.00 1,626,500.00 813,250.00 762,500.00
235,892.33 -
3,457,500.00 1,728,750.00
3,109,390.67
Fixed
-
Recommendable 813,250.00 800,000.00
Credit Risk Level of Almaz Fole Trade.
S/No. Particulars
1 Memorandum of association
1.1. Member’s full name & Tele No Should be listed
1.2. Members’ signature should be signed on each page of the memorandum
1.3. Should have the organizer & their own stamp
Total
2 Pre-Loan Saving
2.1. If Pre loan saving indicated in the manual as a mandatory saved
2.2. If not
Total
3 Socially acceptability and environment friendly of the business.
3.1.1. If socially acceptable and environment friendly
3.1.
3.1.2. If only socially acceptable
3.2. If none satisfied
Total
4 Working premises & sales outlet
4.1.1. If conducive working premises & sales outlets is available
4.1.
4.1.2. If only conducive working premises
Total
5 Renewed license, MSME certificate and stamped application
5.1. Renewed license
5.2. MSE certificate (Green card for WEDP)
5.3. Stamped & signed application
Total
6 Market accessibility (Market linkage)
6.1. If market linkage is created
6.2. If market is properly assessed and analyzed
Total
7 Related training on the business
7.1. Acquired training on the business (evidence)
7.2. If no training
Total
8 Credit History of the borrowers
8.1. schedule
8.1.2. If the client has borrowed and didn’t pay on time
Total
9 Experience of the business,
9.1. If
the client has work experience on the business for more than or equal to 1
year
9.2. If the client has work experience from 6months to one year
9.3. If the client has no Work experience
Total
10 Guarantee/Collateral status of the loan
10.1.1. If the collateral offered is property (house)
10.1.
10.1. 10.1.2. If the collateral is letter guarantee
10.1.3. If the collateral is cross guarantee
Total
Ground Total
Summary of Almaz Fole Trade

S/N Evaluation Criteria
2 Pre loan Saving status requested on the manual
3 Socially acceptability and environment friendly of the business
5 Renewed license, MSME certificate & stamped application
8 Credit history of the borrower
9 Experience of the business
Total
Scores
The Credit Risk Level of Almaz Fole Trade is 16.25% which is low. This implies that, OCSSCO can provide the loan t
enterprise.
Amount Recommended:
IC Purchsed of Fixed asset (Investment Capital)
Direct Material Cost
WC Direct Labor Cost
Indirect Cost
Total Amount
Prepared by:
Name: ________________________________
Signature: ___________________________
Date: _________________________________
Net Sales
Cost of Goods Sold
Profit Margin
Operating Expenses (Admin & Selling Expenses
Operating Profit
Interest Expenses
Profit before Estimated income Taxes
Estimated Income Taxes
Net Profit Margin: Ne Profit After Taxes/Net Sales
Operating Profit less Estimated Income Taxes
Aproximate Monthly Profit
Monthly Installment Payment
Monthly Gain/Loss
* Furniture Decoration Trade.

Branch Bushoftu MFS
Weight given Value earned
In %
4 0%
3 0%
3 0%
10% 0%
In %
10 0%
Zero
10% 0%
In %
10 10%
5
Zero
10% 10%
In %
10 10%
5
10% 10%
In %
3.5 3.5%
3.5 3.5%
3 3%
10% 10%
In %
10
7 7%
10% 7%
In %
10 0%
Zero 0%
10% 0%
In %
10 10%
5
10% 10%
In %
10 10%
5 0%
Zero
10% 10%
In %
10 10%
7
5
10% 10%
100% 67.00%
Weight given Points earned

10% 0%
10% 0%
10% 10%
10% 10%
10% 10%
10% 7%
10% 0%
10% 10%
10% 10%
10% 10%
100% 67.00%
84%
plies that, OCSSCO can provide the loan to this
-
736,750.00
- -
63,250.00
800,000.00
Checked by:
Name: ___________________________
Signature: ______________________
Date: ____________________________ For 2 months
Sales 5,084,000.00 2,542,000.00
Yearly DMC 1,500,000.00 750,000.00
5,084,000.00 DLC - -
1,500,000.00 IMC 126,500.00 63,250.00
2.39 1,626,500.00 813,250.00
126,500.00 -
3,457,500.00 3,457,500.00 1,728,750.00
116,951.17
3,340,548.83 Fixed
501,082.32 -
55.85
2,839,466.51 divided by 12 months
236,622.21
236,622.21 Interest not deducted Recommendable 813,250.00
22,672.22 Including interest But Coll. Value
213,949.99 Recommended
66,666.67
1,155,000.00
687,500.00
22,500.00
52,500.00
762,500.00
800,000.00
2,317,323.92
800,000.00
Business Name Samirawit Alemayehu Trade.
Current Year 2021
Revenue As it is
Net Sales 3,286,500.00
Cost of Goods Sold


Less: Salary expenses -
Less: Insurance -
Less: Maintenance -
Less: Transport -
Less: Promotion -
Less: others -


* Spare-parts Trade.
2021
As Proposed
3,286,500.00
- -
3,286,500.00
-
1,685,000.00
-
1,685,000.00
1,601,500.00
-
4,500.00
-
-
36,000.00
-
-
-
-
-
-
4,300.00
- For 2 months
44,800.00 Sales 3,286,500.00 1,643,250.00 1,155,000.00
DMC 1,685,000.00 842,500.00 687,500.00
1,556,700.00 DLC - - 22,500.00
112,217.00 IMC 44,800.00 22,400.00 52,500.00
1,444,483.00 1,729,800.00 864,900.00 762,500.00
235,892.33 -
1,556,700.00 778,350.00
1,208,590.67
Fixed
-
Recommendable 864,900.00 800,000.00
Credit Risk Level of Samirawit Alemayehu Trade. Branch Bushoftu
Members’ signature should be signed on each page of
1.2. the memorandum 3
Total 10%
If Pre loan saving indicated in the manual as a
2.1. 10
mandatory saved
2.2. If not Zero
Total 10%
Socially acceptability and environment friendly
3 In %
of the business.
3.1.
Total 10%
4.1.1. If conducive working premises & sales outlets
10
4.1. is available
Total 10%
Renewed license, MSME certificate and stamped
5 In %
application
Total 10%
Total 10%
Total 10%
8.1.1. If the client has borrowed and repaid its debt
10
based on pre-agreed schedule
8.1.
8.1.2. If the client has borrowed and didn’t pay on
5
time
Total 10%
If the client has work experience on the business for
9.1. more than or equal to 1 year 10
If the client has work experience from 6months to
9.2. 5
one year
Total 10%
Total 10%
Ground Total 100%
Summary of Samirawit Alemayehu Trade

3 10%
business
Renewed license, MSME certificate & stamped
5 10%
application
Total 100%
Scores 84%
The Credit Risk Level of Samirawit Alemayehu Trade is 16.25% which is low. This implies that, OCSSCO can provide
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 3,286,500.00
Profit Margin 0.95
Operating Profit less Estimated Income Taxes 1,223,786.51

* Spare-parts Trade.
Branch Bushoftu MFS
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
ies that, OCSSCO can provide the
For 2 months
Sales 3,286,500.00 1,643,250.00 1,155,000.00
DMC 1,685,000.00 842,500.00 687,500.00
DLC - - 22,500.00
IMC 44,800.00 22,400.00 52,500.00
1,729,800.00 864,900.00 762,500.00
-
1,556,700.00 778,350.00
Fixed
-
101,982.21
Business Name Meseret Haile Trade.
Current Year 2021
Revenue As it is
Net Sales 3,553,700.00
Cost of Goods Sold

Less: Fixed material cost 555,350.50

Less: Insurance -
Less: Maintenance -
Less: Transport -
Less: Promotion -
Less: others -


* Human drug Trade.

2021
As Proposed
3,553,700.00
- -
3,553,700.00
555,350.50
1,400,000.00
-
1,400,000.00
2,153,700.00
96,000.00
3,500.00
-
-
54,000.00
-
-
-
-
-
-
4,500.00
- For 4 months
158,000.00 Sales 3,553,700.00 1,184,566.67 1,155,000.00
DMC 1,400,000.00 466,666.67 687,500.00
1,995,700.00 DLC - - 22,500.00
146,188.96 IMC 158,000.00 52,666.67 52,500.00
1,849,511.04 1,558,000.00 519,333.33 762,500.00
235,892.33 -
1,995,700.00 665,233.33
1,613,618.71
Fixed
555,350.50
Recommendable 1,074,683.83 1,000,000.00
Credit Risk Level of Meseret Haile Trade.
S/No. Particulars
Total
2 Pre-Loan Saving
2.2. If not
Total
3.1.
Total
4.1.
Total
Total
Total
7.2. If no training
Total
8.1. schedule
Total
9.1. If
year
Total
10.1.
Total
Ground Total
Summary of Meseret Haile Trade

Total
Scores
The Credit Risk Level of Meseret Haile Trade is 16.25% which is low. This implies that, OCSSCO can provide the loan
enterprise.
Amount Recommended:
Indirect Cost
Total Amount
Prepared by:
Name: ________________________________
Signature: ___________________________
Date: _________________________________
Net Sales
Cost of Goods Sold
Profit Margin
Operating Profit
Interest Expenses
Monthly Gain/Loss
* Human drug Trade.

Branch Bushoftu MFS
In %
4 0%
3 0%
3 0%
10% 0%
In %
10 0%
Zero
10% 0%
In %
10 10%
5
Zero
10% 10%
In %
10 10%
5
10% 10%
In %
3.5 3.5%
3.5 3.5%
3 3%
10% 10%
In %
10
7 7%
10% 7%
In %
10 0%
Zero 0%
10% 0%
In %
10 10%
5
10% 10%
In %
10 10%
5 0%
Zero
10% 10%
In %
10 10%
7
5
10% 10%
100% 67.00%

10% 0%
10% 0%
10% 10%
10% 10%
10% 10%
10% 7%
10% 0%
10% 10%
10% 10%
10% 10%
100% 67.00%
84%
s implies that, OCSSCO can provide the loan to this
:
555,350.50
391,982.83
- -
52,666.67
1,000,000.00
Checked by:
Name: ___________________________
Signature: ______________________
Date: ____________________________ For 4 months
Sales 3,553,700.00 1,184,566.67
Yearly DMC 1,400,000.00 466,666.67
3,553,700.00 DLC - -
1,400,000.00 IMC 158,000.00 52,666.67
1.54 1,558,000.00 519,333.33
158,000.00 -
1,995,700.00 1,995,700.00 665,233.33
146,188.96
1,849,511.04 Fixed
277,426.66 555,350.50
44.24
131,007.03
131,007.03 Interest not deducted Recommendable 1,074,683.83
1,155,000.00
687,500.00
22,500.00
52,500.00
762,500.00
1,000,000.00
1,047,000.27
1,000,000.00
Business Name Genet Amare Trade.
Current Year 2021
Revenue As it is
Net Sales 36,170,000.00
Cost of Goods Sold


Less: Telephone -
Less: Insurance -
Less: Maintenance -
Less: Loading & unloading 135,499.00
Less: Promotion -

Less: Interest expense 1,081,000.00

* Industrial product Trade.

2021
As Proposed
36,170,000.00
- -
36,170,000.00
-
29,179,372.50
-
29,179,372.50
6,990,627.50
24,000.00
-
-
-
36,000.00
-
-
382,300.00
135,499.00
-
-
4,500.00
350,000.00 For 4 months
932,299.00 Sales 36,170,000.00 3,014,166.67 1,155,000.00
DMC 29,179,372.50 2,431,614.38 687,500.00
6,058,328.50 DLC - - 22,500.00
365,472.40 IMC 932,299.00 77,691.58 52,500.00
5,692,856.10 30,111,671.50 2,509,305.96 762,500.00
235,892.33 -
6,058,328.50 504,860.71
5,456,963.77
Fixed
-
Recommendable 2,509,305.96 2,500,000.00
Credit Risk Level of Genet Amare Trade. Branch Deraro Guy
Members’ signature should be signed on each page of the memorandum
1.2. 3
Total 10%
2.2. If not Zero
Total 10%
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
If the client has work experience on the business for more than or
9.1. 10
equal to 1 year
Total 10%
Total 10%
Ground Total 100%
Summary of Genet Amare Trade

Total 100%
Scores 84%
The Credit Risk Level of Genet Amare Trade is 16.25% which is low. This implies that, OCSSCO can provide the loan to
enterprise.
Amount Recommended:
Direct Material Cost 2,422,308.42

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 36,170,000.00
Profit Margin 0.24

* Industrial product Trade.

Branch Deraro Guye MFS
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
CO can provide the loan to this
_______________________
______________________
______________________ For 4 months
Sales 36,170,000.00 3,014,166.67 1,155,000.00
DMC 29,179,372.50 2,431,614.38 687,500.00
DLC - - 22,500.00
IMC 932,299.00 77,691.58 52,500.00
30,111,671.50 2,509,305.96 762,500.00
-
6,058,328.50 504,860.71
Fixed
-
403,243.97
208,333.33
Business Name Logita Foge Service.
Current Year 2021
Revenue As it is
Net Sales 5,175,000.00
Cost of Goods Sold

Less: Fixed material cost 2,300,000.00
Less: Direct material cost -
Less: Total Cost of Gods Sold -

Less: Telephone -
Less: Insurance -
Less: Rent -
Less: Maintenance 10,000.00
Less: Fuel & Lubricants 384,000.00
Less: Transport -
Less: Promotion -
Less: Utilities -
Less: others -


* Purchase of car.
2021
As Proposed
5,175,000.00
- -
5,175,000.00
2,300,000.00
-
-
5,175,000.00
84,000.00
-
-
-
-
10,000.00
384,000.00
-
135,499.00
-
-
-
- For 1 month
613,499.00 Sales 5,175,000.00 431,250.00 1,155,000.00
DMC - - 687,500.00
4,561,501.00 DLC - - 22,500.00
292,377.92 IMC 613,499.00 51,124.92 52,500.00
4,269,123.08 613,499.00 51,124.92 762,500.00
235,892.33 -
4,561,501.00 380,125.08
4,033,230.75
Fixed
2,300,000.00
Recommendable 2,351,124.92 2,000,000.00
414414.58
682065.3
1096479.88
Credit Risk Level of Logita Foge Service.
S/No. Particulars
Total
2 Pre-Loan Saving
2.2. If not
Total
3.1.
Total
4.1.
Total
Total
Total
7.2. If no training
Total
8.1.1. If the client has borrowed and repaid its debt based on pre-agreed schedule
8.1.
Total
9.1. If the client has work experience on the business for more than or equal to 1 year
Total
10.1.
Total
Ground Total
Summary of Logita Foge Service

Total
Scores
The Credit Risk Level of Logita Foge Servicee is 16.25% which is low. This implies that, OCSSCO can provide the lo
enterprise.
Amount Recommended:
Indirect Cost
Total Amount
Prepared by:
Name: ________________________________
Signature: ___________________________
Date: _________________________________
Net Sales
Cost of Goods Sold
Profit Margin
Operating Profit
Interest Expenses
Monthly Gain/Loss
* Purchase of car.
If the purchased car would be taken as collateral

Branch Serofta MFS
In %
4 0%
3 0%
3 0%
10% 0%
In %
10 0%
Zero
10% 0%
In %
10 10%
5
Zero
10% 10%
In %
10 10%
5
10% 10%
In %
3.5 3.5%
3.5 3.5%
3 3%
10% 10%
In %
10
7 7%
10% 7%
In %
10 0%
Zero 0%
10% 0%
In %
10 10%
5
10% 10%
In %
10 10%
5 0%
Zero
10% 10%
In %
10 10%
7
5
10% 10%
100% 67.00%

10% 0%
10% 0%
10% 10%
10% 10%
10% 10%
10% 7%
10% 0%
10% 10%
10% 10%
10% 10%
100% 67.00%
84%
lies that, OCSSCO can provide the loan to this
-
1,948,875.08
- -
51,124.92
2,000,000.00
Checked by:
Name: ___________________________
Signature: ______________________
Date: ____________________________ For 1 month
Sales 5,175,000.00 431,250.00
Yearly DMC - -
5,175,000.00 DLC - -
1.00 IMC 613,499.00 51,124.92
5174999.00 613,499.00 51,124.92
613,499.00 -
4,561,500.00 4,561,501.00 380,125.08
292,377.92
4,269,122.08 Fixed
640,368.31 2,300,000.00
70.12
302,396.15
166,666.67
1,155,000.00
687,500.00
22,500.00
52,500.00
762,500.00
2,000,000.00
1,096,479.88 ??? If the purchased car would be taken as collateral
2,000,000.00
Business Name Abdi Ya'i Boru Trade
Current Year 2021
Revenue As it is
Net Sales 18,760,000.00
Cost of Goods Sold


Less: Insurance -
Less: Maintenance -
Less: Transport -
Less: Promotion 10,000.00
Equal: Operating Profit 849,000.00

Equal: Income before provision for income taxes 499,000.00
Less: Estimated Income Taxes -

* Grain/Cereals Trade.
NB: The monthly cash flow of this business plan shows negative value after
the repayment of the month.
2021
As Proposed
18,760,000.00
- -
18,760,000.00
95,200.00
17,120,000.00
180,000.00
17,300,000.00
1,460,000.00
36,000.00
36,000.00
-
-
84,000.00
-
-
-
406,000.00
-
10,000.00
24,000.00
15,000.00 For 1 month
611,000.00 Sales 18,760,000.00 1,563,333.33 1,155,000.00
DMC 17,120,000.00 1,426,666.67 687,500.00
849,000.00 DLC 180,000.00 15,000.00 22,500.00
256,497.85 IMC 611,000.00 50,916.67 52,500.00
592,502.15 17,911,000.00 1,492,583.33 762,500.00
235,892.33 -
849,000.00 70,750.00
356,609.82
Fixed
95,200.00
Recommendable 1,587,783.33 1,600,000.00
Credit Risk Level of Abdi Ya'i Boru Trade. Branch Mek
Total 10%
2.1. 10
mandatory saved
2.2. If not Zero
Total 10%
3 In %
of the business.
3.1.
Total 10%
10
4.1. is available
Total 10%
5 In %
application
Total 10%
Total 10%
Total 10%
10
8.1.
5
time
Total 10%
9.2. 5
one year
Total 10%
Total 10%
Ground Total 100%
Summary of Abdi Ya'i Boru Trade

3 10%
business
5 10%
application
Total 100%
Scores 84%
The Credit Risk Level of Abdi Ya'i Boru Trade is 16.25% which is low. This implies that, OCSSCO can provide the loan t
enterprise.
Amount Recommended:
IC Purchsed of Fixed asset (Investment Capital) 95,200.00

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 18,760,000.00
Profit Margin 0.08
Operating Profit 849,000.00
Profit before Estimated income Taxes 592,502.15

Monthly Gain/Loss (4,614.10)
* Grain/Cereals Trade.
NB: The monthly cash flow of this business plan shows negative value after
the repayment of the month.
Branch Meki MFS
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
OCSSCO can provide the loan to this
For 1 month
Sales 18,760,000.00 1,563,333.33 1,155,000.00
DMC 17,120,000.00 1,426,666.67 687,500.00
DLC 180,000.00 15,000.00 22,500.00
IMC 611,000.00 50,916.67 52,500.00
17,911,000.00 1,492,583.33 762,500.00
-
849,000.00 70,750.00
Fixed
95,200.00
41,968.90
133,333.33
Business Name Misrak Solomon Service.
Current Year 2021
Revenue As it is
Net Sales 6,000,000.00
Cost of Goods Sold


Less: Insurance -
Less: Maintenance -
Less: others -


* Educational service
NB: Has proforma invoice from 3 institutions
2021
As Proposed
6,000,000.00
- -
6,000,000.00
2,162,000.00
1,100,350.00
252,000.00
1,352,350.00
4,647,650.00
-
6,000.00
-
-
22,000.00
-
-
6,000.00
-
-
1,200.00
12,000.00
- For 1 month
47,200.00 Sales 6,000,000.00 500,000.00 1,155,000.00
DMC 1,100,350.00 91,695.83 687,500.00
4,600,450.00 DLC 252,000.00 21,000.00 22,500.00
292,377.92 IMC 47,200.00 3,933.33 52,500.00
4,308,072.08 1,399,550.00 116,629.17 762,500.00
646,210.81 -
4,600,450.00 383,370.83
3,661,861.27
Fixed
2,162,000.00
Recommendable 2,278,629.17 2,000,000.00
Credit Risk Level of Misrak Solomon Service. Branch Adama MFS
1.2. memorandum 3
Total 10%
2.2. If not Zero
Total 10%
3 In %
business.
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
9.1. If the client has work experience on the business for more than or 10
equal to 1 year
Total 10%
Total 10%
Ground Total 100%
Summary of Misrak Solomon Service.

Total 100%
Scores 84%
The Credit Risk Level of Misrak Solomon Service is 16.25% which is low. This implies that, OCSSCO can provide the
Amount Recommended:
IC Purchsed of Fixed asset (Investment Capital) 1,975,066.67
Direct Material Cost -

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 6,000,000.00
Profit Margin 3.44

* Educational service
NB: Has proforma invoice from 3 institutions
Branch Adama MFS
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
that, OCSSCO can provide the
1,975,066.67
__________________________
re: ______________________
__________________________ For 1 month
Sales 6,000,000.00 500,000.00 1,155,000.00
DMC 1,100,350.00 91,695.83 687,500.00
DLC 252,000.00 21,000.00 22,500.00
IMC 47,200.00 3,933.33 52,500.00
1,399,550.00 116,629.17 762,500.00
-
4,600,450.00 383,370.83
Fixed
2,162,000.00
305,155.11
166,666.67
Business Name Meseret Yadate Manufacturing.
Current Year 2021
Revenue As it is
Net Sales 17,072,000.00
Cost of Goods Sold


Less: Insurance -
Less: Maintenance -


* Blocket Production.
2021
As Proposed
17,072,000.00
-
15,600.00
17,072,000.00 36,000.00
51,600.00
-
12,090,000.00
540,000.00
12,630,000.00
4,442,000.00
336,000.00
6,000.00
-
-
24,000.00
-
-
60,000.00
-
-
6,000.00
51,600.00
10,000.00 For 2 months
493,600.00 Sales 17,072,000.00 2,845,333.33 1,155,000.00
DMC 12,090,000.00 2,015,000.00 687,500.00
3,948,400.00 DLC 540,000.00 90,000.00 22,500.00
320,622.31 IMC 493,600.00 82,266.67 52,500.00
3,627,777.69 13,123,600.00 2,187,266.67 762,500.00
544,166.65 -
3,948,400.00 658,066.67
3,083,611.04
Fixed
-
Recommendable 2,187,266.67 2,000,000.00
Credit Risk Level of Meseret Yadate Manufacturing. Branch Adama
Total 10%
2.1. 10
mandatory saved
2.2. If not Zero
Total 10%
3 In %
of the business.
3.1.
Total 10%
10
4.1. is available
Total 10%
5 In %
application
Total 10%
Total 10%
Total 10%
10
8.1.
5
time
Total 10%
9.2. 5
one year
Total 10%
Total 10%
Ground Total 100%
Summary of Meseret YadateManufacturing.

3 10%
business
5 10%
application
Total 100%
Scores 84%
The Credit Risk Level of Meseret YadateManufacturing is 16.25% which is low. This implies that, OCSSCO can provide
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 17,072,000.00
Profit Margin 0.35

* Blocket Production.
Branch Adama MFS
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
plies that, OCSSCO can provide the
For 2 months
Sales 17,072,000.00 2,845,333.33 1,155,000.00
DMC 12,090,000.00 2,015,000.00 687,500.00
DLC 540,000.00 90,000.00 22,500.00
IMC 493,600.00 82,266.67 52,500.00
13,123,600.00 2,187,266.67 762,500.00
-
3,948,400.00 658,066.67
Fixed
-
256,967.59
Business Name Seyoum Taddesse Trade.
Current Year 2021
Revenue As it is
Net Sales 14,811,000.00
Cost of Goods Sold


Less: Telephone -
Less: Insurance -
Less: Rent 222,000.00
Less: Maintenance -
Less: Promotion -
Less: others -


* Boutique.
2021
As Proposed
14,811,000.00
-
14,811,000.00
-
9,249,000.00
42,000.00
9,291,000.00
5,520,000.00
-
-
-
-
222,000.00
-
-
3,000.00
-
-
-
5,200.00
- For 2 months
230,200.00 Sales 14,811,000.00 2,468,500.00 1,155,000.00
DMC 9,249,000.00 1,541,500.00 687,500.00
5,289,800.00 DLC 42,000.00 7,000.00 22,500.00
256,497.85 IMC 230,200.00 38,366.67 52,500.00
5,033,302.15 9,521,200.00 1,586,866.67 762,500.00
754,995.32 -
5,289,800.00 881,633.33
4,278,306.83
Fixed
-
Recommendable 1,586,866.67 1,600,000.00
Credit Risk Level of Seyoum Taddesse Trade. Branch Adama MFS
1.2. memorandum 3
Total 10%
2.2.
If not Zero
Total 10%
3 In %
business.
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
If the client has work experience on the business for more than
9.1. or equal to 1 year 10
Total 10%
Total 10%
Ground Total 100%
Summary of Seyoum Taddesse Trade.

Total 100%
Scores 84%
The Credit Risk Level of Seyoum Taddesse Trade is 16.25% which is low. This implies that, OCSSCO can provide
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 14,811,000.00
Profit Margin 0.59

* Boutique.
Branch Adama MFS
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
es that, OCSSCO can provide
________________________
: ______________________
_______________________ For 2 months
Sales 14,811,000.00 2,468,500.00 1,155,000.00
DMC 9,249,000.00 1,541,500.00 687,500.00
DLC 42,000.00 7,000.00 22,500.00
IMC 230,200.00 38,366.67 52,500.00
9,521,200.00 1,586,866.67 762,500.00
-
5,289,800.00 881,633.33
Fixed
-
351,983.42
133,333.33
Business Name Netsanet Gemechu Trade..
Current Year 2021
Revenue As it is
Net Sales 13,924,817.50
Cost of Goods Sold


Less: Telephone -
Less: Insurance -
Less: Rent 2,400.00
Less: Maintenance -
Less: Promotion -


* Boutique.
2021
As Proposed
13,924,817.50
-
13,924,817.50
-
11,880,765.00
10,800.00
11,891,565.00
2,033,252.50
12,000.00
-
-
-
2,400.00
-
-
14,400.00
-
-
-
4,800.00
12,000.00 For 1 month
45,600.00 Sales 13,924,817.50 1,160,401.46 1,155,000.00
DMC 11,880,765.00 990,063.75 687,500.00
1,987,652.50 DLC 10,800.00 900.00 22,500.00
146,188.96 IMC 45,600.00 3,800.00 52,500.00
1,841,463.54 11,937,165.00 994,763.75 762,500.00
276,219.53 -
1,987,652.50 165,637.71
1,565,244.01
Fixed
-
Recommendable 994,763.75 1,000,000.00
Credit Risk Level of Netsanet Gemechu Trade. Branch Wonji Gefersa MFS
1.2. memorandum 3
Total 10%
2.2. If not Zero
Total 10%
3 In %
business.
3.1.
Total 10%
4.1.
Total 10%
5 application In %
Total 10%
Total 10%
Total 10%
8.1.1. If the client has borrowed and repaid its debt based on
10
8.1. pre-agreed schedule
Total 10%
Total 10%
Total 10%
Ground Total 100%
Summary of Netsanet Gemechu Trade..

Total 100%
Scores 84%
The Credit Risk Level of Netsanet Gemechu Trade. is 16.25% which is low. This implies that, OCSSCO can provide
Amount Recommended:
WC Direct Labor Cost 900.00

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 13,924,817.50
Profit Margin 0.17

* Boutique.
Branch Wonji Gefersa MFS
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
plies that, OCSSCO can provide
__________________________
re: ______________________
__________________________ For 1 month
Sales 13,924,817.50 1,160,401.46 1,155,000.00
DMC 11,880,765.00 990,063.75 687,500.00
DLC 10,800.00 900.00 22,500.00
IMC 45,600.00 3,800.00 52,500.00
11,937,165.00 994,763.75 762,500.00
-
1,987,652.50 165,637.71
Fixed
-
130,437.00
Interest not deducted Recommendable 994,763.75 1,000,000.00
Business Name Getu Chala Trade
Current Year 2021
Revenue As it is
Net Sales 20,010,000.00
Cost of Goods Sold


Less: Insurance -
Less: Rent -
Less: Maintenance -
Less: Promotion -
Less: Utilities -


* Cereals /Grain Trade.

2021
As Proposed
20,010,000.00
-
20,010,000.00
-
17,940,000.00
18,000.00
17,958,000.00
2,052,000.00
12,800.00
1,000.00
-
-
-
-
-
20,000.00
-
-
-
-
8,200.00 For 1 month
42,000.00 Sales 20,010,000.00 1,667,500.00 1,155,000.00
DMC 17,940,000.00 1,495,000.00 687,500.00
2,010,000.00 DLC 18,000.00 1,500.00 22,500.00
230,174.62 IMC 42,000.00 3,500.00 52,500.00
1,779,825.38 18,000,000.00 1,500,000.00 762,500.00
266,973.81 -
2,010,000.00 167,500.00
1,512,851.57
Fixed
-
Recommendable 1,500,000.00 1,500,000.00
Credit Risk Level of Getu Chala Trade. Branc
Total 10%
2.2. If not Zero
Total 10%
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
8.1. schedule
Total 10%
9.1. If
1 year 10
Total 10%
10.1.
Total 10%
Ground Total 100%
Summary of Getu Chala Trade

Total 100%
Scores 84%
The Credit Risk Level of Getu Chala Trade is 16.25% which is low. This implies that, OCSSCO can provide the loan to
enterprise.
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 20,010,000.00
Profit Margin 0.11

Branch Ego
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
can provide the loan to this
________________________
______________________
_______________________ For 1 month
Sales 20,010,000.00 1,667,500.00 1,155,000.00
DMC 17,940,000.00 1,495,000.00 687,500.00
DLC 18,000.00 1,500.00 22,500.00
IMC 42,000.00 3,500.00 52,500.00
18,000,000.00 1,500,000.00 762,500.00
-
2,010,000.00 167,500.00
Fixed
-
126,070.96
125,000.00
Business Name Gadise Senbeta Trade.
Current Year 2021
Revenue As it is
Net Sales 26,656,800.00
Cost of Goods Sold


Less: Insurance -
Less: Rent -
Less: Maintenance -
Less: Promotion -
Less: Utilities -



2021
As Proposed
26,656,800.00
-
26,656,800.00
-
23,899,200.00
24,000.00
23,923,200.00
2,733,600.00
19,800.00
1,200.00
-
-
-
-
-
30,000.00
-
-
-
-
25,800.00 For 1 month
76,800.00 Sales 26,656,800.00 2,221,400.00 1,155,000.00
DMC 23,899,200.00 1,991,600.00 687,500.00
2,656,800.00 DLC 24,000.00 2,000.00 22,500.00
265,839.32 IMC 76,800.00 6,400.00 52,500.00
2,390,960.68 24,000,000.00 2,000,000.00 762,500.00
358,644.10 -
2,656,800.00 221,400.00
2,032,316.58
Fixed
-
Recommendable 2,000,000.00 1,900,000.00
Credit Risk Level of Gadise SenbetaTrade. Branch Ego
1.2. memorandum 3
Total 10%
2.2. If not Zero
Total 10%
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
9.1. 10
equal to 1 year
Total 10%
Total 10%
Ground Total 100%
Summary of Gadise SenbetaTrade

Total 100%
Scores 84%
The Credit Risk Level of Gadise SenbetaTrade is 16.25% which is low. This implies that, OCSSCO can provide the loan
to this enterprise.
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 26,656,800.00
Profit Margin 0.11


Branch Ego
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
CSSCO can provide the loan
________________________
: ______________________
________________________ For 1 month
Sales 26,656,800.00 2,221,400.00 1,155,000.00
DMC 23,899,200.00 1,991,600.00 687,500.00
DLC 24,000.00 2,000.00 22,500.00
IMC 76,800.00 6,400.00 52,500.00
24,000,000.00 2,000,000.00 762,500.00
-
2,656,800.00 221,400.00
Fixed
-
168,934.71
158,333.33
Business Name Mohammed Eda'o Trade..
Current Year 2021
Revenue As it is
Net Sales 13,328,400.00
Cost of Goods Sold


Less: Telephone 500.00
Less: Insurance -
Less: Rent -
Less: Maintenance -
Less: Promotion -
Less: Utilities -



2021
As Proposed
13,328,400.00
-
13,328,400.00
-
11,949,600.00
12,000.00
11,961,600.00
1,366,800.00
10,600.00
500.00
-
-
-
-
-
18,000.00
-
-
-
-
38,400.00 Sales 13,328,400.00 1,110,700.00 1,155,000.00
DMC 11,949,600.00 995,800.00 687,500.00
1,328,400.00 DLC 12,000.00 1,000.00 22,500.00
160,311.15 IMC 38,400.00 3,200.00 52,500.00
1,168,088.85 12,000,000.00 1,000,000.00 762,500.00
175,213.33 -
1,328,400.00 110,700.00
992,875.52
Fixed
-
Recommendable 1,000,000.00 1,000,000.00
Credit Risk Level of Mohammed Eda'o Trade. Branch Eg
1.2. memorandum 3
Total 10%
2.2. If not Zero
Total 10%
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
9.1. 10
equal to 1 year
Total 10%
Total 10%
Ground Total 100%
Summary of Mohammed Eda'oTrade

Total 100%
Scores 84%
The Credit Risk Level of Mohammed Eda'oTrade is 16.25% which is low. This implies that, OCSSCO can provide the loa
to this enterprise.
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 26,656,800.00
Profit Margin 0.11


Branch Ego
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
at, OCSSCO can provide the loan
_________________________
e: ______________________
_________________________ For 1 month
Sales 13,328,400.00 1,110,700.00 1,155,000.00
DMC 11,949,600.00 995,800.00 687,500.00
DLC 12,000.00 1,000.00 22,500.00
IMC 38,400.00 3,200.00 52,500.00
12,000,000.00 1,000,000.00 762,500.00
-
1,328,400.00 110,700.00
Fixed
-
176,409.63
83,333.33
Business Name Birhanu Melese Trade.
Current Year 2021
Revenue As it is
Net Sales 2,737,500.00
Cost of Goods Sold

Less: Total Cost of Gods Sold 956,000.00

Less: Telephone -
Less: Insurance -
Less: Rent -
Less: Maintenance -
Less: Detergent & Lubricant for sanitation purpose. 4,000.00
Less: Transport -
Less: Promotion -


* Human drugs Trade.

2021
As Proposed
2,737,500.00
-
2,737,500.00
-
956,000.00
-
956,000.00
1,781,500.00
378,000.00
-
-
-
-
-
-
4,000.00
-
-
-
-
5,000.00
24,000.00 For 12 months
411,000.00 Sales 2,737,500.00 2,737,500.00 1,155,000.00
DMC 956,000.00 956,000.00 687,500.00
1,370,500.00 DLC - - 22,500.00
224,435.62 IMC 411,000.00 411,000.00 52,500.00
1,146,064.38 1,367,000.00 1,367,000.00 762,500.00
171,909.66 -
1,370,500.00 1,370,500.00
974,154.72
Fixed
-
Recommendable 1,367,000.00 1,400,000.00

Credit Risk Level of Birhanu Melese Trade. Branch H
1.2. 3
Total 10%
2.2. If not Zero
Total 10%
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
8.1. schedule
Total 10%
If the client has work experience on the business for more than or equal
9.1. 10
to 1 year
Total 10%
Total 10%
Ground Total 100%
Summary of Birhanu Melese Trade.

Total 100%
Scores 84%
The Credit Risk Level of Birhanu Melese Trade is 16.25% which is low. This implies that, OCSSCO can provide the loan
enterprise.
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 2,737,500.00
Cost of Goods Sold 956,000.00
Profit Margin 1.86


Branch H/Buluk
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
SCO can provide the loan to this
_______________________
______________________
______________________ For 12 months
Sales 2,737,500.00 2,737,500.00 1,155,000.00
DMC 956,000.00 956,000.00 687,500.00
DLC - - 22,500.00
IMC 411,000.00 411,000.00 52,500.00
1,367,000.00 1,367,000.00 762,500.00
-
1,370,500.00 1,370,500.00
Fixed
-
81,179.56
Business Name Andinet Addisu Trade.
Current Year 2021
Revenue As it is
Net Sales 4,918,875.00
Cost of Goods Sold

Gross Profit 971,775.00

Less: Telephone -
Less: Insurance -
Less: Rent -
Less: Maintenance -
Less: Detergent & Lubricant for sanitation purpose. -
Less: Transport -
Less: Promotion -
Less: Utilities -



2021
As Proposed
4,918,875.00
-
4,918,875.00
-
3,935,100.00
12,000.00
3,947,100.00
971,775.00
-
-
-
-
-
-
-
-
-
-
-
-
-
24,000.00 Sales 4,918,875.00 2,459,437.50 1,155,000.00
DMC 3,935,100.00 1,967,550.00 687,500.00
947,775.00 DLC 12,000.00 6,000.00 22,500.00
320,622.31 IMC 24,000.00 12,000.00 52,500.00
627,152.69 3,971,100.00 1,985,550.00 762,500.00
94,072.90 -
947,775.00 473,887.50
533,079.79
Fixed
-
Recommendable 1,985,550.00 2,000,000.00

Credit Risk Level of Andinet Addisu Trade. Branch
Total 10%
2.2. If not Zero
Total 10%
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
8.1. schedule
Total 10%
9.1. If
1 year 10
Total 10%
10.1.
Total 10%
Ground Total 100%
Summary of Andinet Addisu Trade.

Total 100%
Scores 84%
The Credit Risk Level of Andinet Addisu Trade is 16.25% which is low. This implies that, OCSSCO can provide the loa
this enterprise.
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 4,918,875.00
Profit Margin 0.25
* The yearly and monthly cash flow of this business demonstrate negative
values after the enterprise pays its obligations at the end of the period.
Branch Goba
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
CSSCO can provide the loan to
__________________________
e: ______________________
_________________________ For 6 months
Sales 4,918,875.00 2,459,437.50 1,155,000.00
DMC 3,935,100.00 1,967,550.00 687,500.00
DLC 12,000.00 6,000.00 22,500.00
IMC 24,000.00 12,000.00 52,500.00
3,971,100.00 1,985,550.00 762,500.00
-
947,775.00 473,887.50
Fixed
-
44,423.32
166,666.67
Business Name Wondemagegn & Helen Manufacturing.
Current Year 2021
Revenue As it is
Net Sales 2,000,000.00
Cost of Goods Sold


Less: Telephone -
Less: Insurance -
Less: Rent -
Less: Maintenance -
Less: Transport -
Less: Promotion -


Type of Enterprise Parthiner
* Metal & wood works

2021
As Proposed
2,000,000.00
-
2,000,000.00
-
1,215,458.50
12,000.00
1,227,458.50
772,541.50
90,000.00
-
-
-
-
-
-
4,000.00
-
-
-
-
3,000.00
24,000.00 For 12 months
121,000.00 Sales 2,000,000.00 2,000,000.00 1,155,000.00
DMC 1,215,458.50 1,215,458.50 687,500.00
651,541.50 DLC 12,000.00 12,000.00 22,500.00
192,373.39 IMC 121,000.00 121,000.00 52,500.00
459,168.11 1,348,458.50 1,348,458.50 762,500.00
68,875.22 -
651,541.50 651,541.50
390,292.89
Fixed
-
Recommendable 1,348,458.50 1,200,000.00

Credit Risk Level of Wondemagegn & Helen Manufacturing. Branch Goba
1.2. memorandum 3
Total 10%
2.2. If not Zero
Total 10%
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
9.1. 10
equal to 1 year
Total 10%
Total 10%
Ground Total 100%
Summary of Wondemagegn & Helen Manufacturing.

Total 100%
Scores 84%
The Credit Risk Level of Wondemagegn & Helen Manufacturing. is 16.25% which is low. This implies that, OCSSCO
can provide the loan to this enterprise.
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 2,000,000.00
Profit Margin 0.63

Metal & wood works
* The yearly and monthly cash flow of this business demonstrate

negative values after the enterprise pays its obligations at the end of
the period.
Branch Goba
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
w. This implies that, OCSSCO
(800,000.00)
__________________________
re: ______________________
__________________________ For 12 months
Sales 2,000,000.00 2,000,000.00 1,155,000.00
DMC 1,215,458.50 1,215,458.50 687,500.00
DLC 12,000.00 12,000.00 22,500.00
IMC 121,000.00 121,000.00 52,500.00
1,348,458.50 1,348,458.50 762,500.00
-
651,541.50 651,541.50
Fixed
-
32,524.41
Business Name KBG PLC Manufacturing.
Current Year 2021
Revenue As it is
Net Sales 22,400,000.00
Cost of Goods Sold

Less: Direct labor cost 1,410,000.00
Less: Other overhead costs (if any) 3,180,000.30

Less: Salary expenses 2,760,000.00
Less: Telephone -
Less: Insurance -
Less: Maintenance -
Less: Transport -
Less: Promotion/Advertisement 34,000.00
Less: Total Operating Expenses 2,993,000.00


Type of Enterprise MSE/PLC
* Wood & Metal works

2021
As Proposed
22,400,000.00
-
22,400,000.00
-
2,908,017.60
1,410,000.00
3,180,000.30
7,498,017.90
14,901,982.10
2,760,000.00
-
-
-
48,000.00
-
48,000.00
35,000.00
-
35,000.00
-
34,000.00
18,000.00
15,000.00 For 1 month
2,993,000.00 Sales 22,400,000.00 3,733,333.33 1,155,000.00
DMC 2,908,017.60 484,669.60 687,500.00
11,908,982.10 DLC 1,410,000.00 235,000.00 22,500.00
288,560.08 IMC 2,993,000.00 498,833.33 52,500.00
11,620,422.02 3,180,000.30 530,000.05 762,500.00
1,743,063.30 10,491,017.90 1,748,502.98
19,219,999.70 3,203,333.28
9,877,358.72
Fixed
-
Recommendable 1,748,502.98 1,800,000.00

Credit Risk Level of KBG PLC Manufacturing. Branch
Total 10%
2.2. If not Zero
Total 10%
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
8.1. schedule
Total 10%
9.1. If
1 year 10
Total 10%
10.1.
Total 10%
Ground Total 100%
Summary of KBG PLC Manufacturing.

Total 100%
Scores 84%
The Credit Risk Level of KBG PLC Manufacturing is 13% which is low. This implies that, OCSSCO can provide the loan
enterprise.
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 22,400,000.00
Profit Margin 1.99
Operating Expenses (Admin & Selling Expenses 2,993,000.00
Estimated Income Taxes 1,743,063.30
* Wood & Metal works

Branch Sebeta
Value earned
In %
10%
0%
0%
10%
In %
10%
10%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
87.00%
Points earned
10%
10%
10%
10%
10%
7%
0%
10%
10%
10%
87.00%
SCO can provide the loan to this
__________________________
re: ______________________
__________________________ For 1 month
Sales 22,400,000.00 3,733,333.33 1,155,000.00
DMC 2,908,017.60 484,669.60 687,500.00
DLC 1,410,000.00 235,000.00 22,500.00
IMC 2,993,000.00 498,833.33 52,500.00
3,180,000.30 530,000.05 762,500.00
10491017.9 1,748,502.98
19,219,999.70 3,203,333.28
Fixed
-
823,113.23
150,000.00
Business Name Qubsa Plc Service
Current Year 2021
Revenue As it is
Net Sales 19,828,940.00
Cost of Goods Sold


Less: Telephone -
Less: Insurance -
Less: Rent -
Less: Maintenance -
Less: Promotion -

Less: Interest expense -

* Restaurant
2021
As Proposed
19,828,940.00
-
19,828,940.00
-
16,181,630.00
190,000.00
16,371,630.00
3,457,310.00
-
-
-
-
-
-
-
-
80,000.00
-
-
-
120,000.00
250,000.00 Sales 19,828,940.00 3,304,823.33 1,155,000.00
DMC 16,181,630.00 2,696,938.33 687,500.00
3,207,310.00 DLC 190,000.00 31,666.67 22,500.00
414,314.32 IMC 250,000.00 41,666.67 52,500.00
2,792,995.68 16,621,630.00 2,770,271.67 762,500.00
418,949.35 -
3,207,310.00 534,551.67
2,374,046.33
Fixed
-
Recommendable 2,770,271.67 2,700,000.00

Credit Risk Level of Qubsa Plc Service.
S/No. Particulars
Total
2 Pre-Loan Saving
2.2. If not
Total
3.1.
Total
4.1.
Total
Total
Total
7.2. If no training
Total
8.1. schedule
Total
9.1. If
year
Total
10.1.
Total
Ground Total
Summary of Qubsa Plc Service

Total
Scores
The Credit Risk Level of Qubsa Plc Service is 13% which is low. This implies that, OCSSCO can provide the loan to this
Amount Recommended:
Indirect Cost
Total Amount
Prepared by:
Name: ________________________________
Signature: ___________________________
Date: _________________________________
Net Sales
Cost of Goods Sold
Profit Margin
Operating Profit
Interest Expenses
Monthly Gain/Loss
* Restaurant
Branch B/Siba
In %
4 4%
3 3%
3 3%
10% 10%
In %
10 10%
Zero
10% 10%
In %
10 10%
5
Zero
10% 10%
In %
10 10%
5
10% 10%
In %
3.5 3.5%
3.5 3.5%
3 3%
10% 10%
In %
10
7 7%
10% 7%
In %
10 0%
Zero 0%
10% 0%
In %
10 10%
5
10% 10%
In %
10 10%
5 0%
Zero
10% 10%
In %
10 10%
7
5
10% 10%
100% 87.00%

10% 10%
10% 10%
10% 10%
10% 10%
10% 10%
10% 7%
10% 0%
10% 10%
10% 10%
10% 10%
100% 87.00%
84%
s that, OCSSCO can provide the loan to this enterprise.
d:
-
2,626,666.66
31,666.67 -
41,666.67
2,700,000.00
Checked by:
Name: ___________________________
Signature: ______________________
Date: ____________________________ For 2 months
Sales 19,828,940.00 3,304,823.33
Yearly DMC 16,181,630.00 2,696,938.33
19,828,940.00 DLC 190,000.00 31,666.67
16,371,630.00 IMC 250,000.00 41,666.67
0.21 16,621,630.00 2,770,271.67
250,000.00 -
3,207,310.00 3,207,310.00 534,551.67
414,314.32
2,792,995.68 Fixed
418,949.35 -
11.97
197,837.19
225,000.00
1,155,000.00
687,500.00
22,500.00
52,500.00
762,500.00
2,700,000.00
3,035,187.16
2,700,000.00
Business Name Abebe Worku Trade
Current Year 2021
Revenue As it is
Net Sales 15,334,000.00
Cost of Goods Sold

Less: Direct labor cost 3,240,000.00
Less: Other overhead costs (if any) 1,200,000.00

Less: Salary expenses 3,240,000.00
Less: Insurance -
Less: Rent -
Less: Maintenance -
Less: Transport -
Less: Promotion -

Less: Estimated Income Taxes 3,542,025.00

* Animal/Dairy feeds
2021
As Proposed
15,334,000.00
-
15,334,000.00
-
300,000.00
3,240,000.00
1,200,000.00
4,740,000.00
10,594,000.00
3,240,000.00
5,000.00
-
-
-
-
-
-
-
-
-
-
5,000.00
220,000.00 For 2 months
3,470,000.00 Sales 15,334,000.00 2,555,666.67 1,155,000.00
DMC 300,000.00 50,000.00 687,500.00
7,124,000.00 DLC 3,240,000.00 540,000.00 22,500.00
199,484.67 IMC 3,470,000.00 578,333.33 52,500.00
6,924,515.33 1,200,000.00 200,000.00 762,500.00
46,672.69 8,210,000.00 1,368,333.33
14,134,000.00 2,355,666.67
6,877,842.64
Fixed
-
Recommendable 1,368,333.33 1,300,000.00

Credit Risk Level of Abebe Worku Trade
S/No. Particulars
Total
2 Pre-Loan Saving
2.2. If not
Total
3.1.
Total
4.1.
Total
Total
Total
7.2. If no training
Total
8.1.
Total
Total
10.1.
Total
Ground Total
Summary of Abebe Worku Trade

Total
Scores
The Credit Risk Level of Abebe Worku Trade. is 13% which is low. This implies that, OCSSCO can provide the loan to
Amount Recommended:
Indirect Cost
Total Amount
Prepared by:
Name: ________________________________
Signature: ___________________________
Date: _________________________________
Net Sales
Cost of Goods Sold
Profit Margin
Operating Profit
Interest Expenses
Monthly Gain/Loss
* Animal/Dairy feeds
Branch B/Siba
In %
4 0%
3 0%
3 0%
10% 0%
In %
10 0%
Zero
10% 0%
In %
10 10%
5
Zero
10% 10%
In %
10 10%
5
10% 10%
In %
3.5 3.5%
3.5 3.5%
3 3%
10% 10%
In %
10
7 7%
10% 7%
In %
10 0%
Zero 0%
10% 0%
In %
10 10%
5
10% 10%
In %
10 10%
5 0%
Zero
10% 10%
In %
10 10%
7
5
10% 10%
100% 67.00%

10% 0%
10% 0%
10% 10%
10% 10%
10% 10%
10% 7%
10% 0%
10% 10%
10% 10%
10% 10%
100% 67.00%
84%
that, OCSSCO can provide the loan to this enterprise.
-
50,000.00
671,666.67 -
578,333.33
1,300,000.00
Checked by:
Name: ___________________________
Signature: ______________________
Date: ____________________________ For 2 months
Sales 15,334,000.00 2,555,666.67
Yearly DMC 300,000.00 50,000.00
15,334,000.00 DLC 3,240,000.00 540,000.00
4,740,000.00 IMC 3,470,000.00 578,333.33
2.24 1,200,000.00 200,000.00
3,470,000.00 8210000 1,368,333.33
7,124,000.00 14,134,000.00 2,355,666.67
199,484.67
6,924,515.33 Fixed
1,038,677.30 -
38.38
490,486.50
108,333.33
1,155,000.00
687,500.00
22,500.00
52,500.00
762,500.00
1,300,000.00
1,974,775.14
1,300,000.00
Business Name Bizunesh Asefa Trade.
Current Year 2021
Revenue As it is
Net Sales 38,920,416.00
Cost of Goods Sold


Less: Insurance -
Less: Maintenance -
Less: Promotion -


* Constraction materials Trade.

2021
As Proposed
38,920,416.00
-
38,920,416.00
-
32,553,528.00
96,000.00
32,649,528.00
6,270,888.00
420,000.00
36,000.00
-
-
72,000.00
-
-
-
360,000.00
-
-
-
3,840.00
180,000.00 For 1/2 a month
1,071,840.00 Sales 38,920,416.00 1,621,684.00 1,155,000.00
DMC 32,553,528.00 1,356,397.00 687,500.00
5,199,048.00 DLC 96,000.00 4,000.00 22,500.00
414,314.32 IMC 1,071,840.00 44,660.00 52,500.00
4,784,733.68 33,721,368.00 1,405,057.00 762,500.00
717,710.05 -
5,199,048.00 216,627.00
4,067,023.63
Fixed
-
Recommendable 1,405,057.00 1,400,000.00

Credit Risk Level of Bizunesh Asefa Trade.
S/No. Particulars
Total
2 Pre-Loan Saving
2.2. If not
Total
3.1.
Total
4.1.
Total
Total
Total
7.2. If no training
Total
8.1. schedule
Total
9.1. If
year
Total
10.1.
Total
Ground Total
Summary of Bizunesh Asefa Trade.

Total
Scores
The Credit Risk Level of Bizunesh Asefa Trade is 16.25% which is low. This implies that, OCSSCO can provide the loa
enterprise.
Amount Recommended:
Indirect Cost
Total Amount
Prepared by:
Name: ________________________________
Signature: ___________________________
Date: _________________________________
Net Sales
Cost of Goods Sold
Profit Margin
Operating Profit
Interest Expenses
Monthly Gain/Loss
* Constraction materials Trade.

Branch Gelan
In %
4 0%
3 0%
3 0%
10% 0%
In %
10 0%
Zero
10% 0%
In %
10 10%
5
Zero
10% 10%
In %
10 10%
5
10% 10%
In %
3.5 3.5%
3.5 3.5%
3 3%
10% 10%
In %
10
7 7%
10% 7%
In %
10 0%
Zero 0%
10% 0%
In %
10 10%
5
10% 10%
In %
10 10%
5 0%
Zero
10% 10%
In %
10 10%
7
5
10% 10%
100% 67.00%

10% 0%
10% 0%
10% 10%
10% 10%
10% 10%
10% 7%
10% 0%
10% 10%
10% 10%
10% 10%
100% 67.00%
84%
s implies that, OCSSCO can provide the loan to this
-
1,351,340.00
4,000.00 -
44,660.00
1,400,000.00
Checked by:
Name: ___________________________
Signature: ______________________
Date: ____________________________ For 1/2 a month
Sales 38,920,416.00 1,621,684.00
Yearly DMC 32,553,528.00 1,356,397.00
38,920,416.00 DLC 96,000.00 4,000.00
32,649,528.00 IMC 1,071,840.00 44,660.00
0.19 33,721,368.00 1,405,057.00
1,071,840.00 -
5,199,048.00 5,199,048.00 216,627.00
414,314.32
4,784,733.68 Fixed
717,710.05 -
10.45
338,918.64
116,666.67
1,155,000.00
687,500.00
22,500.00
52,500.00
762,500.00
1,400,000.00
2,785,104.82
1,400,000.00
Business Name Usiya Taddesse Trade.
Current Year 2021 2021
Revenue As it is As Proposed
Gross Sales 26,940,000.00 26,940,000.00
Less: Return & allowances - -
Net Sales 26,940,000.00 26,940,000.00
Cost of Goods Sold

Less: Fixed material cost - -
Less: Direct material cost 22,620,000.00 22,620,000.00
Less: Direct labor cost 60,000.00 60,000.00
Less: Total Cost of Gods Sold 22,680,000.00 22,680,000.00
Gross Profit 4,260,000.00 4,260,000.00

Less: Salary expenses 25,000.00 25,000.00
Less: Telephone 3,600.00 3,600.00
Less: Insurance - -
Less: Municipality fee - -
Less: Rent 17,400.00 17,400.00
Less: Maintenance - -
Less: Fuel & Lubricants - -
Less: Detergent & Lubricant for sanitation purpose. - -
Less: Transport 63,000.00 63,000.00
Less: Loading & unloading - -
Less: Revenue Stamp - -
Less: Promotion - -
Less: Utilities - -
Less: others 11,000.00 11,000.00
Less: Total Operating Expenses 120,000.00 120,000.00
Equal: Operating Profit 4,140,000.00 4,140,000.00

Less: Interest expense 332,500.00 332,500.00
Equal: Income before provision for income taxes 3,807,500.00 3,807,500.00
Less: Estimated Income Taxes - 571,125.00
Equal: Net Income after taxes 3,807,500.00 3,236,375.00

* Cereal/Grain Trade.
For 1 month
Sales 26,940,000.00 2,245,000.00 1,155,000.00
DMC 22,620,000.00 1,885,000.00 687,500.00
DLC 60,000.00 5,000.00 22,500.00
IMC 120,000.00 10,000.00 52,500.00
22,800,000.00 1,900,000.00 762,500.00
-
4,140,000.00 345,000.00
Fixed
-
Recommendable 1,900,000.00 1,900,000.00

Credit Risk Level of Usiya Taddesse Trade Branch H/Wabe
S/No. Particulars Weight given Value earned
1.1. Member’s full name & Tele No Should be listed 4 0%
1.2. Members’ signature should be signed on each page of the memorandum 3 0%
1.3. Should have the organizer & their own stamp 3 0%
Total 10% 0%
2.1. If Pre loan saving indicated in the manual as a mandatory saved 10 0%
2.2. If not Zero
Total 10% 0%
3.1.1. If socially acceptable and environment friendly 10 10%
3.1.
Total 10% 10%
4.1.1. If conducive working premises & sales outlets is available 10 10%
4.1.
Total 10% 10%
5.1. Renewed license 3.5 3.5%
5.2. MSE certificate (Green card for WEDP) 3.5 3.5%
5.3. Stamped & signed application 3 3%
Total 10% 10%
6.2. If market is properly assessed and analyzed 7 7%
Total 10% 7%
7.1. Acquired training on the business (evidence) 10 0%
7.2. If no training Zero 0%
Total 10% 0%
8.1.1. If the client has borrowed and repaid its debt based on pre-agreed 10 10%
8.1. schedule
Total 10% 10%
9.1. If the client has work experience on the business for more than or equal to 1 10 10%
year
9.2. If the client has work experience from 6months to one year 5 0%
Total 10% 10%
10.1.1. If the collateral offered is property (house) 10 10%
Total 10% 10%
Ground Total 100% 67.00%
Summary of Usiya Taddesse Trade

S/N Evaluation Criteria Weight given Points earned
1 Memorandum of association 10% 0%
2 Pre loan Saving status requested on the manual 10% 0%
3 Socially acceptability and environment friendly of the business 10% 10%
4 Working premises & sales outlet 10% 10%
5 Renewed license, MSME certificate & stamped application 10% 10%
6 Market accessibility (Market linkage) 10% 7%
7 Related training on the business 10% 0%
8 Credit history of the borrower 10% 10%
9 Experience of the business 10% 10%
10 Guarantee/Collateral status of the loan 10% 10%
Total 100% 67.00%
Scores 84%
The Credit Risk Level of Usiya Taddesse Trade is 16.25% which is low. This implies that, OCSSCO can provide the loan to this enterprise.
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 26,940,000.00
Profit Margin 0.19
Operating Profit less Estimated Income Taxes 3,271,178.66 divided by 12 months
272,598.22
Aproximate Monthly Profit 272,598.22 Interest not deducted
Monthly Installment Payment 68,213.93 Including interest
* Cereal/Grain Trade.
-
For 1 month
Sales 26,940,000.00 2,245,000.00 1,155,000.00
DMC 22,620,000.00 1,885,000.00 687,500.00
DLC 60,000.00 5,000.00 22,500.00
IMC 120,000.00 10,000.00 52,500.00
22,800,000.00 1,900,000.00 762,500.00
-
4,140,000.00 345,000.00
Fixed
-
Recommendable 1,900,000.00 1,900,000.00

158,333.33
Business Name Dani'el Alemu Agriculture.
Current Year 2021
Revenue As it is
Net Sales 8,200,000.00
Cost of Goods Sold


Less: Telephone -
Less: Insurance -
Less: Rent -
Less: Maintenance -
Less: Transport -
Less: Promotion -


* Fattening
2021
As Proposed
8,200,000.00
-
8,200,000.00
5,550.00
5,400,000.00
36,000.00
5,436,000.00
2,764,000.00
-
-
-
-
-
-
-
-
-
-
-
-
3,695.00
134,755.00 For 2 months
138,450.00 Sales 8,200,000.00 1,366,666.67 1,155,000.00
DMC 5,400,000.00 900,000.00 687,500.00
2,625,550.00 DLC 36,000.00 6,000.00 22,500.00
138,104.77 IMC 138,450.00 23,075.00 52,500.00
2,487,445.23 5,574,450.00 929,075.00 762,500.00
373,116.78 -
2,625,550.00 437,591.67
2,114,328.45
Fixed
5,550.00
Recommendable 934,625.00 900,000.00

Credit Risk Level of Dani'el Alemu Agriculture.
S/No. Particulars
Total
2 Pre-Loan Saving
2.2. If not
Total
3.1.
Total
4.1.
Total
Total
Total
7.2. If no training
Total
8.1. schedule
Total
9.1. If
year
Total
10.1.
Total
Ground Total
Summary of Dani'el Alemu Agriculture.

Total
Scores
The Credit Risk Level of Dani'el Alemu Agriculture is 16.25% which is low. This implies that, OCSSCO can provide th
this enterprise.
Amount Recommended:
Indirect Cost
Total Amount
Prepared by:
Name: ________________________________
Signature: ___________________________
Date: _________________________________
Net Sales
Cost of Goods Sold
Profit Margin
Operating Profit
Interest Expenses
Monthly Gain/Loss
* Fattening
Branch Dukem
In %
4 0%
3 0%
3 0%
10% 0%
In %
10 0%
Zero
10% 0%
In %
10 10%
5
Zero
10% 10%
In %
10 10%
5
10% 10%
In %
3.5 3.5%
3.5 3.5%
3 3%
10% 10%
In %
10
7 7%
10% 7%
In %
10 0%
Zero 0%
10% 0%
In %
10 10%
5
10% 10%
In %
10 10%
5 0%
Zero
10% 10%
In %
10 10%
7
5
10% 10%
100% 67.00%

10% 0%
10% 0%
10% 10%
10% 10%
10% 10%
10% 7%
10% 0%
10% 10%
10% 10%
10% 10%
100% 67.00%
84%
his implies that, OCSSCO can provide the loan to
-
861,925.00
6,000.00 -
32,075.00
900,000.00
Checked by:
Name: ___________________________
Signature: ______________________
Date: ____________________________ For 2 months
Sales 8,200,000.00 1,366,666.67
Yearly DMC 5,400,000.00 900,000.00
8,200,000.00 DLC 36,000.00 6,000.00
5,436,000.00 IMC 138,450.00 23,075.00
0.51 5,574,450.00 929,075.00
138,450.00 -
2,625,550.00 2,625,550.00 437,591.67
138,104.77
2,487,445.23 Fixed
373,116.78 5,550.00
25.78
176,194.04
176,194.04 Interest not deducted Recommendable 934,625.00
75,000.00
1,155,000.00
687,500.00
22,500.00
52,500.00
762,500.00
900,000.00
2,529,159.08
900,000.00
Business Name Atsede Gelan. Service
Current Year 2021
Revenue As it is
Net Sales 4,776,000.00
Cost of Goods Sold


Less: Telephone -
Less: Insurance -
Less: Maintenance -
Less: Promotion -
Less: Utilities -
Less: others -

Equal: Net Income after taxes (450,692.00)

* Bar & Restaurant

2021
As Proposed
4,776,000.00
-
4,776,000.00
600,500.00
4,181,500.00
168,000.00
4,349,500.00
426,500.00
-
-
-
-
60,000.00
-
-
-
3,000.00
-
-
-
-
- For 1 month
63,000.00 Sales 4,776,000.00 398,000.00 1,155,000.00
DMC 4,181,500.00 348,458.33 687,500.00
363,500.00 DLC 168,000.00 14,000.00 22,500.00
153,449.75 IMC 63,000.00 5,250.00 52,500.00
210,050.25 4,412,500.00 367,708.33 762,500.00
31,507.54 -
363,500.00 30,291.67
178,542.71
Fixed
600,500.00
Recommendable 968,208.33 1,000,000.00

Credit Risk Level of Atsede Gelata Service Branch Duke
1.2. memorandum 3
Total 10%
2.2. If not Zero
Total 10%
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
9.1. 10
equal to 1 year
Total 10%
Total 10%
Ground Total 100%
Summary of Atsede Gelata Service

Total 100%
Scores 84%
The Credit Risk Level of Atsede Gelata Service is 16.25% which is low. This implies that, Siinqee can provide the loan
this enterprise.
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 4,776,000.00
Profit Margin 0.10

* Bar & Restaurant

negative values after the enterprise pays its obligations at the end of
the period.
Branch Dukem
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
Siinqee can provide the loan to
________________________
______________________
_______________________ For 1 month
Sales 4,776,000.00 398,000.00 1,155,000.00
DMC 4,181,500.00 348,458.33 687,500.00
DLC 168,000.00 14,000.00 22,500.00
IMC 63,000.00 5,250.00 52,500.00
4,412,500.00 367,708.33 762,500.00
-
363,500.00 30,291.67
Fixed
600,500.00
14,878.56
399,500.00
33,291.67
Business Name Yome PLC Agriculture.
Current Year 2021
Revenue As it is
Net Sales 9,125,000.00
Cost of Goods Sold


Less: Insurance -
Less: Rent -
Less: Maintenance -
Less: Promotion -

Less: Interest expense 1,639,268.00

Type of Enterprise MSE/PLC
* Poultary Farm
2021
As Proposed
9,125,000.00
-
9,125,000.00
1,915,800.00
6,843,750.00
60,000.00
6,903,750.00
2,221,250.00
12,000.00
24,000.00
-
-
-
-
-
-
72,000.00 72000
-
-
-
36,000.00
120,000.00 For 1 month
264,000.00 Sales 9,125,000.00 760,416.67 1,155,000.00
DMC 6,843,750.00 570,312.50 687,500.00
1,957,250.00 DLC 60,000.00 5,000.00 22,500.00
168,794.72 IMC 264,000.00 22,000.00 52,500.00
1,788,455.28 7,167,750.00 597,312.50 762,500.00
268,268.29 -
1,957,250.00 163,104.17
1,520,186.99
Fixed
1,915,800.00
Recommendable 2,513,112.50 1,100,000.00

Credit Risk Level of Yome PLC Agriculture.
S/No. Particulars
Total
2 Pre-Loan Saving
2.2. If not
Total
3.1.
Total
4.1.
Total
Total
Total
7.2. If no training
Total
8.1. schedule
Total
9.1. If
1 year
Total
10.1.
Total
Ground Total
Summary of Yome PLC Agriculture.

Total
Scores
The Credit Risk Level of Yome PLC Agriculture is 16.25% which is low. This implies that, Siinqee can provide the loa
enterprise.
Amount Recommended:
Indirect Cost
Total Amount
Prepared by:
Name: ________________________________
Signature: ___________________________
Date: _________________________________
Net Sales
Cost of Goods Sold
Profit Margin
Operating Profit
Interest Expenses
Monthly Gain/Loss
* Poultary Farm
* It would be underfinancing, because of less collateral value.

Branch Gelan
In %
4 0%
3 0%
3 0%
10% 0%
In %
10 0%
Zero
10% 0%
In %
10 10%
5
Zero
10% 10%
In %
10 10%
5
10% 10%
In %
3.5 3.5%
3.5 3.5%
3 3%
10% 10%
In %
10
7 7%
10% 7%
In %
10 0%
Zero 0%
10% 0%
In %
10 10%
5
10% 10%
In %
10 10%
5 0%
Zero
10% 10%
In %
10 10%
7
5
10% 10%
100% 67.00%

10% 0%
10% 0%
10% 10%
10% 10%
10% 10%
10% 7%
10% 0%
10% 10%
10% 10%
10% 10%
100% 67.00%
84%
his implies that, Siinqee can provide the loan to this
:
1,073,000.00
-
5,000.00
22,000.00 -
1,100,000.00
Checked by:
Name: ___________________________
Signature: ______________________
Date: ____________________________ For 1 month
Sales 9,125,000.00 760,416.67
Yearly DMC 6,843,750.00 570,312.50
9,125,000.00 DLC 60,000.00 5,000.00
6,903,750.00 IMC 264,000.00 22,000.00
0.32 7,167,750.00 597,312.50
264,000.00 -
1,957,250.00 1,957,250.00 163,104.17
168,794.72
1,788,455.28 Fixed
268,268.29 1,915,800.00
16.66
126,682.25
(815,800.00)
(67,983.33)
1,155,000.00
687,500.00
22,500.00
52,500.00
762,500.00
1,100,000.00
1,157,926.96
1,100,000.00
Business Name Solomon Abebe Manufacturing.
Current Year 2021
Revenue As it is
Net Sales 12,387,000.00
Cost of Goods Sold


Less: Insurance -
Less: Rent 108,000.00
Less: Maintenance 15,000.00


* Gypsum productions
2021
As Proposed
12,387,000.00
-
12,387,000.00
71,500.00
10,566,500.00
166,000.00
10,732,500.00
1,654,500.00
66,000.00
2,000.00
-
-
108,000.00
15,000.00
-
-
10,000.00 72000
-
-
4,000.00
36,000.00
308,075.00 For 3 months
549,075.00 Sales 12,387,000.00 3,096,750.00 1,155,000.00
DMC 10,566,500.00 2,641,625.00 687,500.00
1,105,425.00 DLC 166,000.00 41,500.00 22,500.00
383,624.37 IMC 549,075.00 137,268.75 52,500.00
721,800.63 11,281,575.00 2,820,393.75 762,500.00
108,270.09 -
1,105,425.00 276,356.25
613,530.54
Fixed
71,500.00
Recommendable 2,891,893.75 2,500,000.00

Credit Risk Level of Solomon Abebe Manufacturing Branch Ag
1.2. 3
Total 10%
2.2. If not Zero
Total 10%
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
9.1. 10
equal to 1 year
Total 10%
Total 10%
Ground Total 100%
Summary of Solomon Abebe Manufacturing

Total 100%
Scores 84%
The Credit Risk Level of Solomon Abebe Manufacturing is 16.25% which is low. This implies that, Siinqee can provide
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 12,387,000.00
Profit Margin 0.15

* Gypsum productions

negative values after the enterprise pays its obligations at the end of the
period.
Branch Agemsa
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
es that, Siinqee can provide the
________________________
______________________
_______________________ For 3 months
Sales 12,387,000.00 3,096,750.00 1,155,000.00
DMC 10,566,500.00 2,641,625.00 687,500.00
DLC 166,000.00 41,500.00 22,500.00
IMC 549,075.00 137,268.75 52,500.00
11,281,575.00 2,820,393.75 762,500.00
-
1,105,425.00 276,356.25
Fixed
71,500.00
51,127.54
2,428,500.00
202,375.00
Business Name Mani Trade.
Current Year 2021
Revenue As it is
Net Sales 33,840,920.00
Cost of Goods Sold


Less: Insurance -
Less: Maintenance -
Less: Promotion -
Less: others -


* Construction materials/Corguted sheet iron.

2021
As Proposed
33,840,920.00
-
33,840,920.00
-
30,245,240.00
72,000.00
30,317,240.00
3,523,680.00
-
12,000.00
-
-
24,000.00
-
-
-
24,000.00
-
-
-
1,200.00
- For 3 months
61,200.00 Sales 33,840,920.00 2,820,076.67 1,155,000.00
DMC 30,245,240.00 2,520,436.67 687,500.00
3,462,480.00 DLC 72,000.00 6,000.00 22,500.00
349,788.58 IMC 61,200.00 5,100.00 52,500.00
3,112,691.42 30,378,440.00 2,531,536.67 762,500.00
466,903.71 -
3,462,480.00 288,540.00
2,645,787.71
Fixed
-
Recommendable 2,531,536.67 2,500,000.00

Credit Risk Level of Mani Trade Branch Su
1.2. 3
Total 10%
2.2. If not Zero
Total 10%
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
8.1. schedule
Total 10%
9.1. If
the client has work experience on the business for more than or equal
to 1 year 10
Total 10%
Total 10%
Ground Total 100%
Summary of Mani Trade

Total 100%
Scores 84%
The Credit Risk Level of Mani Trade is 16.25% which is low. This implies that, Siinqee can provide the loan to this
enterprise.
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 33,840,920.00
Profit Margin 0.12

* Construction materials/Corguted sheet iron.

Branch Sululta
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
an provide the loan to this
________________________
: ______________________
_______________________ For 3 months
Sales 33,840,920.00 2,820,076.67 1,155,000.00
DMC 30,245,240.00 2,520,436.67 687,500.00
DLC 72,000.00 6,000.00 22,500.00
IMC 61,200.00 5,100.00 52,500.00
30,378,440.00 2,531,536.67 762,500.00
-
3,462,480.00 288,540.00
Fixed
-
220,482.31
208,333.33
Business Name Wonishet Mohammed Service
Current Year 2021 2021
Revenue As it is As Proposed
Gross Sales 17,205,000.00 17,205,000.00
Less: Return & allowances - -
Net Sales 17,205,000.00 17,205,000.00
Cost of Goods Sold

Less: Fixed material cost 1,414,000.00 1,414,000.00
Less: Direct material cost 5,360,500.00 5,360,500.00
Less: Direct labor cost 798,000.00 798,000.00
Less: Total Cost of Gods Sold 6,158,500.00 6,158,500.00
Gross Profit 11,046,500.00 11,046,500.00

Less: Salary expenses - -
Less: Telephone 300.00 300.00
Less: Insurance - -
Less: Municipality fee - -
Less: Rent 180,000.00 180,000.00
Less: Maintenance - -
Less: Fuel & Lubricants - -
Less: Detergent & Lubricant for sanitation purpose. - -
Less: Transport 10,000.00 10,000.00
Less: Loading & unloading - -
Less: Revenue Stamp - -
Less: Promotion 200.00 200.00
Less: Utilities - -
Less: others 83,000.00 83,000.00
Less: Total Operating Expenses 273,500.00 273,500.00
Equal: Operating Profit 10,773,000.00 10,773,000.00

Less: Interest expense 312,000.00 272,835.10
Equal: Income before provision for income taxes 10,461,000.00 10,500,164.90
Less: Estimated Income Taxes 459,372.00 1,575,024.74
Equal: Net Income after taxes 10,001,628.00 8,925,140.17

* Clinical
For 1 month
Sales 17,205,000.00 1,433,750.00 1,155,000.00
DMC 5,360,500.00 446,708.33 687,500.00
DLC 798,000.00 66,500.00 22,500.00
IMC 273,500.00 22,791.67 52,500.00
6,432,000.00 536,000.00 762,500.00
-
10,773,000.00 897,750.00
Fixed
1,414,000.00
Recommendable 1,950,000.00 1,950,000.00

Credit Risk Level of Wonishet Mohammed Service Branch Sululta
1.2. memorandum 3 0%
Total 10% 0%
2.2.
If not Zero
Total 10% 0%
3 Socially acceptability and environment friendly of the In %
business.
3.1.
Total 10% 10%
4.1.
Total 10% 10%
Total 10% 10%
Total 10% 7%
Total 10% 0%
8.1.1. If the client has borrowed and repaid its debt based on 10 10%
Total 10% 10%
9.1. If the client has work experience on the business for more than 10 10%
or equal to 1 year
Total 10% 10%
Total 10% 10%
Summary of Wonishet Mohammed Service
Total 100% 67.00%
Scores 84%
The Credit Risk Level of Wonishet Mohammed Service is 16.25% which is low. This implies that, Siinqee can
provide the loan to this enterprise.
Amount Recommended:
IC Purchsed of Fixed asset (Investment Capital) 1,414,000.00

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Sales
Yearly DMC
Net Sales 17,205,000.00 DLC
Cost of Goods Sold 6,158,500.00 IMC
Profit Margin 1.79
Profit before Estimated income Taxes 10,500,164.90 Fixed
Operating Profit less Estimated Income Taxes 8,925,140.17 divided by 12 months
743,761.68
* Clinical
-
For 3 months
17,205,000.00 1,433,750.00 1,155,000.00
5,360,500.00 446,708.33 687,500.00
798,000.00 66,500.00 22,500.00
273,500.00 22,791.67 52,500.00
6,432,000.00 536,000.00 762,500.00
-
10,773,000.00 897,750.00
1,414,000.00
Recommendable 1,950,000.00 1,950,000.00

536,000.00
44,666.67
Business Name Yosef Dawit Trade
Current Year 2021
Revenue As it is
Net Sales 46,168,800.00
Cost of Goods Sold


Less: Insurance -
Less: Maintenance -
Less: Transport 2,880,000.00
Less: Promotion -


* Boutique
2021
As Proposed
46,168,800.00
-
46,168,800.00
30,900.00
37,771,200.00
196,800.00
37,968,000.00
8,200,800.00
732,000.00
12,000.00
-
-
42,000.00
-
-
-
2,880,000.00
-
-
-
12,000.00
264,000.00 For 1/2 a month
3,942,000.00 Sales 46,168,800.00 1,923,700.00 1,155,000.00
DMC 37,771,200.00 1,573,800.00 687,500.00
4,258,800.00 DLC 196,800.00 8,200.00 22,500.00
223,864.69 IMC 3,942,000.00 164,250.00 52,500.00
4,034,935.31 41,910,000.00 1,746,250.00 762,500.00
605,240.30 -
4,258,800.00 177,450.00
3,429,695.01
Fixed
30,900.00
Recommendable 1,777,150.00 1,600,000.00

Credit Risk Level of Yosef Dawit Trade Branch Bur
1.2. 3
Total 10%
2.2. If not Zero
Total 10%
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
9.1. 10
equal to 1 year
Total 10%
Total 10%
Ground Total 100%
Summary of Yosef Dawit Trade

Total 100%
Scores 84%
The Credit Risk Level of Yosef Dawit Trade is 16.25% which is low. This implies that, Siinqee can provide the loan to t
enterprise.
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 46,168,800.00
Profit Margin 0.22
Operating Expenses (Admin & Selling Expenses 3,942,000.00

* Boutique
Branch Burayu
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
qee can provide the loan to this
_________________________
e: ______________________
_________________________ For 1/2 a month
Sales 46,168,800.00 1,923,700.00 1,155,000.00
DMC 37,771,200.00 1,573,800.00 687,500.00
DLC 196,800.00 8,200.00 22,500.00
IMC 3,942,000.00 164,250.00 52,500.00
41,910,000.00 1,746,250.00 762,500.00
-
4,258,800.00 177,450.00
Fixed
30,900.00
285,807.92
1,569,100.00
130,758.33
Business Name Aman GobenaTrade
Current Year 2021
Revenue As it is
Net Sales 21,388,000.00
Cost of Goods Sold


Less: Telephone -
Less: Insurance -
Less: Maintenance -
Less: Transport -
Less: others -


* Cereal/Grain Trade
2021
As Proposed
21,388,000.00
-
21,388,000.00
-
19,076,000.00
-
19,076,000.00
2,312,000.00
140,000.00
-
-
-
18,000.00
-
-
-
-
-
-
10,000.00
8,000.00
- For 1 a month
176,000.00 Sales 21,388,000.00 1,782,333.33 1,155,000.00
DMC 19,076,000.00 1,589,666.67 687,500.00
2,136,000.00 DLC - - 22,500.00
245,519.60 IMC 176,000.00 14,666.67 52,500.00
1,890,480.40 19,252,000.00 1,604,333.33 762,500.00
283,572.06 -
2,136,000.00 178,000.00
1,606,908.34
Fixed
-
Recommendable 1,604,333.33 1,600,000.00

Credit Risk Level of Aman GobenaTrade
S/No. Particulars
Total
2 Pre-Loan Saving
2.2. If not
Total
3.1.
Total
4.1.
Total
Total
Total
7.2. If no training
Total
8.1. schedule
Total
9.1. If
year
Total
10.1.
Total
Ground Total
Summary of Aman GobenaTrade

Total
Scores
The Credit Risk Level of Aman GobenaTrade is 16.25% which is low. This implies that, Siinqee can provide the loan
enterprise.
Amount Recommended:
Indirect Cost
Total Amount
Prepared by:
Name: ________________________________
Signature: ___________________________
Date: _________________________________
Net Sales
Cost of Goods Sold
Profit Margin
Operating Profit
Interest Expenses
Monthly Gain/Loss
Branch Awasho
In %
4 0%
3 0%
3 0%
10% 0%
In %
10 0%
Zero
10% 0%
In %
10 10%
5
Zero
10% 10%
In %
10 10%
5
10% 10%
In %
3.5 3.5%
3.5 3.5%
3 3%
10% 10%
In %
10
7 7%
10% 7%
In %
10 0%
Zero 0%
10% 0%
In %
10 10%
5
10% 10%
In %
10 10%
5 0%
Zero
10% 10%
In %
10 10%
7
5
10% 10%
100% 67.00%

10% 0%
10% 0%
10% 10%
10% 10%
10% 10%
10% 7%
10% 0%
10% 10%
10% 10%
10% 10%
100% 67.00%
84%
plies that, Siinqee can provide the loan to this
-
1,585,333.33
-
14,666.67 -
1,600,000.00
Checked by:
Name: ___________________________
Signature: ______________________
Date: ____________________________ For 1 a month
Sales 21,388,000.00 1,782,333.33
Yearly DMC 19,076,000.00 1,589,666.67
21,388,000.00 DLC - -
19,076,000.00 IMC 176,000.00 14,666.67
0.12 19,252,000.00 1,604,333.33
176,000.00 -
2,136,000.00 2,136,000.00 178,000.00
245,519.60
1,890,480.40 Fixed
283,572.06 -
7.51
133,909.03
133,333.33
1,155,000.00
687,500.00
22,500.00
52,500.00
762,500.00
1,600,000.00
1,847,886.99
1,600,000.00
Business Name Tesfaye TaddesseTrade
Current Year 2021
Revenue As it is
Net Sales 25,831,450.00
Cost of Goods Sold


Less: Insurance -
Less: Rent -
Less: Maintenance -
Less: Promotion -


2021
As Proposed
25,831,450.00
-
25,831,450.00
58,000.00
12,757,850.00
-
12,757,850.00
13,073,600.00
64,750.00
18,210.50
-
-
-
-
-
-
161,875.00
23,125.00
-
-
11,112.50
80,937.50 For 1 a month
360,010.50 Sales 25,831,450.00 2,152,620.83 1,155,000.00
DMC 12,757,850.00 1,063,154.17 687,500.00
12,713,589.50 DLC - - 22,500.00
184,139.70 IMC 360,010.50 30,000.88 52,500.00
12,529,449.80 13,117,860.50 1,093,155.04 762,500.00
1,879,417.47 -
12,713,589.50 1,059,465.79
10,650,032.33
Fixed
58,000.00
Recommendable 1,151,155.04 1,200,000.00

Credit Risk Level of Tesfaye TaddesseTrade
S/No. Particulars
Total
2 Pre-Loan Saving
2.2. If not
Total
3.1.
Total
4.1.
Total
Total
Total
7.2. If no training
Total
8.1.
Total
Total
10.1.
Total
Ground Total
Summary of Tesfaye TaddesseTrade

Total
Scores
The Credit Risk Level of Tesfaye TaddesseTrade is 16.25% which is low. This implies that, Siinqee can provide the
enterprise.
Amount Recommended:
Indirect Cost
Total Amount
Prepared by:
Name: ________________________________
Signature: ___________________________
Date: _________________________________
Net Sales
Cost of Goods Sold
Profit Margin
Operating Profit
Interest Expenses
Monthly Gain/Loss
Branch Uta Wayu
In %
4 0%
3 0%
3 0%
10% 0%
In %
10 0%
Zero
10% 0%
In %
10 10%
5
Zero
10% 10%
In %
10 10%
5
10% 10%
In %
3.5 3.5%
3.5 3.5%
3 3%
10% 10%
In %
10
7 7%
10% 7%
In %
10 0%
Zero 0%
10% 0%
In %
10 10%
5
10% 10%
In %
10 10%
5 0%
Zero
10% 10%
In %
10 10%
7
5
10% 10%
100% 67.00%

10% 0%
10% 0%
10% 10%
10% 10%
10% 10%
10% 7%
10% 0%
10% 10%
10% 10%
10% 10%
100% 67.00%
84%
implies that, Siinqee can provide the loan to this
58,000.00
1,111,999.12
-
30,000.88 -
1,200,000.00
Checked by:
Name: ___________________________
Signature: ______________________
Date: ____________________________ For 1 a month
Sales 25,831,450.00 2,152,620.83
Yearly DMC 12,757,850.00 1,063,154.17
25,831,450.00 DLC - -
12,757,850.00 IMC 360,010.50 30,000.88
1.02 13,117,860.50 1,093,155.04
360,010.50 -
12,713,589.50 12,713,589.50 1,059,465.79
184,139.70
12,529,449.80 Fixed
1,879,417.47 58,000.00
41.23
887,502.69
1,142,000.00
95,166.67
1,155,000.00
687,500.00
22,500.00
52,500.00
762,500.00
1,200,000.00
2,225,402.23
1,200,000.00
Business Name Beyene Hirpho Agriculture
Current Year 2021
Revenue As it is
Net Sales 5,184,000.00
Cost of Goods Sold


Less: Telephone -
Less: Insurance -
Less: Rent -
Less: Maintenance -
Less: Transport -
Less: Promotion -


* Rearing of cattles/Dairy farm

2021
As Proposed
5,184,000.00
-
5,184,000.00
148,000.00
3,860,000.00
-
3,860,000.00
1,324,000.00
-
-
-
-
-
-
-
-
-
-
-
-
17,000.00
270,000.00 For 6 months
287,000.00 Sales 5,184,000.00 2,592,000.00 1,155,000.00
DMC 3,860,000.00 1,930,000.00 687,500.00
1,037,000.00 DLC - - 22,500.00
337,589.45 IMC 287,000.00 143,500.00 52,500.00
699,410.55 4,147,000.00 2,073,500.00 762,500.00
104,911.58 -
1,037,000.00 518,500.00
594,498.97
Fixed
148,000.00
Recommendable 2,221,500.00 2,200,000.00

Credit Risk Level of Beyene Hirpho Agriculture
S/No. Particulars
1.2.
Total
2 Pre-Loan Saving
2.2. If not
Total
3.1.
Total
4.1.
Total
Total
Total
7.2. If no training
Total
Total
9.1.
to 1 year
Total
Total
Ground Total
Summary of Beyene Hirpho Agriculture

Total
Scores
The Credit Risk Level of Beyene Hirpho Agriculture is 16.25% which is low. This implies that, Siinqee can provide
enterprise.
Amount Recommended:
Indirect Cost
Total Amount
Prepared by:
Name: ________________________________
Signature: ___________________________
Date: _________________________________
Net Sales
Cost of Goods Sold
Profit Margin
Operating Profit
Interest Expenses

Monthly Gain/Loss
* Rearing of cattles/Dairy farm

negative values after the enterprise pays its obligations at the end of the
period.
Branch Awasho
In %
4 0%
3 0%
3 0%
10% 0%
In %
10 0%
Zero
10% 0%
In %
10 10%
5
Zero
10% 10%
In %
10 10%
5
10% 10%
In %
3.5 3.5%
3.5 3.5%
3 3%
10% 10%
In %
10
7 7%
10% 7%
In %
10 0%
Zero 0%
10% 0%
In %
10 10%
5
10% 10%
In %
10 10%
5 0%
Zero
10% 10%
In %
10 10%
7
5
10% 10%
100% 67.00%

10% 0%
10% 0%
10% 10%
10% 10%
10% 10%
10% 7%
10% 0%
10% 10%
10% 10%
10% 10%
100% 67.00%
84%
h is low. This implies that, Siinqee can provide the loan to this
se.
mended:
58,000.00
1,111,999.12
-
30,000.88 1,000,000.00
1,200,000.00
Checked by:
Name: ___________________________
Signature: ______________________
Date: ____________________________
Sales 5,184,000.00
Yearly DMC 3,860,000.00
5,184,000.00 DLC -
3,860,000.00 IMC 287,000.00
0.34 4,147,000.00
287,000.00
1,037,000.00 1,037,000.00
352,684.54
684,315.46 Fixed
102,647.32 148,000.00
11.22
581,668.14 divided by 12 months
48,472.35
48,472.35 Interest not deducted Recommendable
(15,579.27) Recommended
2,052,000.00
171,000.00
For 6 months
2,592,000.00 1,155,000.00
1,930,000.00 687,500.00
- 22,500.00
143,500.00 52,500.00
2,073,500.00 762,500.00
-
518,500.00
2,221,500.00 2,200,000.00
2,634,510.10
2,200,000.00
Business Name Roman Ayiza Trade
Current Year 2021
Revenue As it is
Net Sales 6,342,500.00
Cost of Goods Sold


Less: Telephone -
Less: Insurance -
Less: Maintenance -
Less: Promotion -
Less: others -


* Spare-parts trade
2021
As Proposed
6,342,500.00
-
6,342,500.00
-
5,068,600.00
-
5,068,600.00
1,273,900.00
22,000.00
-
-
-
12,000.00
-
-
-
100,000.00
-
-
-
8,000.00
- For 4 months
142,000.00 Sales 6,342,500.00 2,114,166.67 1,155,000.00
DMC 5,068,600.00 1,689,533.33 687,500.00
1,131,900.00 DLC - - 22,500.00
248,521.23 IMC 142,000.00 47,333.33 52,500.00
883,378.77 5,210,600.00 1,736,866.67 762,500.00
132,506.82 -
1,131,900.00 377,300.00
750,871.95
Fixed
-
Recommendable 1,736,866.67 1,700,000.00

Credit Risk Level of Roman Ayiza Trade
S/No. Particulars
Total
2 Pre-Loan Saving
2.2. If not
Total
3.1.
Total
4.1.
Total
Total
Total
7.2. If no training
Total
8.1.
Total
Total
Total
Ground Total
Summary of Roman Ayiza Trade

Total
Scores
The Credit Risk Level of Roman Ayiza Trade is 16.25% which is low. This implies that, Siinqee can provide the
Amount Recommended:
Indirect Cost
Total Amount
Prepared by:
Name: ________________________________
Signature: ___________________________
Date: _________________________________
Net Sales
Cost of Goods Sold
Profit Margin
Operating Profit
Interest Expenses

Monthly Gain/Loss
* Spare-parts trade
Branch Awasho
In %
4 0%
3 0%
3 0%
10% 0%
In %
10 0%
Zero
10% 0%
In %
10 10%
5
Zero
10% 10%
In %
10 10%
5
10% 10%
In %
3.5 3.5%
3.5 3.5%
3 3%
10% 10%
In %
10
7 7%
10% 7%
In %
10 0%
Zero 0%
10% 0%
In %
10 10%
5
10% 10%
In %
10 10%
5 0%
Zero
10% 10%
In %
10 10%
7
5
10% 10%
100% 67.00%

10% 0%
10% 0%
10% 10%
10% 10%
10% 10%
10% 7%
10% 0%
10% 10%
10% 10%
10% 10%
100% 67.00%
84%
, Siinqee can provide the loan to this enterprise.
-
1,652,666.67
-
47,333.33 -
1,700,000.00
Checked by:
Name: ___________________________
Signature: ______________________
Date: ____________________________ For 4 months
Sales 6,342,500.00 2,114,166.67
Yearly DMC 5,068,600.00 1,689,533.33
6,342,500.00 DLC - -
5,068,600.00 IMC 142,000.00 47,333.33
0.25 5,210,600.00 1,736,866.67
142,000.00 -
1,131,900.00 1,131,900.00 377,300.00
248,521.23
883,378.77 Fixed
132,506.82 -
11.84
750,871.95 divided by 12 months
62,572.66
1,155,000.00
687,500.00
22,500.00
52,500.00
762,500.00
1,700,000.00
1,807,506.73
1,700,000.00
Business Name Abate HussenTrade
Current Year 2021
Revenue As it is
Net Sales 8,751,200.00
Cost of Goods Sold


Less: Telephone -
Less: Insurance -
Less: Maintenance -
Less: others -


* Humans' Drugs trade

2021
As Proposed
8,751,200.00
-
8,751,200.00
-
5,894,620.00
-
5,894,620.00
2,856,580.00
60,000.00
-
-
-
26,400.00
-
-
-
60,000.00
-
-
10,000.00
8,000.00
- For 4 months
164,400.00 Sales 8,751,200.00 2,917,066.67 1,155,000.00
DMC 5,894,620.00 1,964,873.33 687,500.00
2,692,180.00 DLC - - 22,500.00
320,622.31 IMC 164,400.00 54,800.00 52,500.00
2,371,557.69 6,059,020.00 2,019,673.33 762,500.00
355,733.65 -
2,692,180.00 897,393.33
2,015,824.04
Fixed
-
Recommendable 2,019,673.33 2,000,000.00

166,666.67
Credit Risk Level of Abate HussenTrade
S/No. Particulars
Total
2 Pre-Loan Saving
2.2. If not
Total
3.1.
Total
4.1.
Total
Total
Total
7.2. If no training
Total
8.1. schedule
Total
9.1. If
year
Total
10.1.
Total
Ground Total
Summary of Abate HussenTrade

Total
Scores
The Credit Risk Level of Abate HussenTrade is 16.25% which is low. This implies that, Siinqee can provide the loan
enterprise.
Amount Recommended:
Indirect Cost
Total Amount
Prepared by:
Name: ________________________________
Signature: ___________________________
Date: _________________________________
Net Sales
Cost of Goods Sold
Profit Margin
Operating Profit
Interest Expenses
Monthly Gain/Loss
* Humans' Drugs trade

Branch Awasho
In %
4 0%
3 0%
3 0%
10% 0%
In %
10 0%
Zero
10% 0%
In %
10 10%
5
Zero
10% 10%
In %
10 10%
5
10% 10%
In %
3.5 3.5%
3.5 3.5%
3 3%
10% 10%
In %
10
7 7%
10% 7%
In %
10 0%
Zero 0%
10% 0%
In %
10 10%
5
10% 10%
In %
10 10%
5 0%
Zero
10% 10%
In %
10 10%
7
5
10% 10%
100% 67.00%

10% 0%
10% 0%
10% 10%
10% 10%
10% 10%
10% 7%
10% 0%
10% 10%
10% 10%
10% 10%
100% 67.00%
84%
mplies that, Siinqee can provide the loan to this
-
1,945,200.00
-
54,800.00 -
2,000,000.00
Checked by:
Name: ___________________________
Signature: ______________________
Date: ____________________________ For 4 months
Sales 8,751,200.00 2,917,066.67
Yearly DMC 5,894,620.00 1,964,873.33
8,751,200.00 DLC - -
5,894,620.00 IMC 164,400.00 54,800.00
0.48 6,059,020.00 2,019,673.33
164,400.00 -
2,692,180.00 2,692,180.00 897,393.33
320,622.31
2,371,557.69 Fixed
355,733.65 -
23.03
167,985.34
1,155,000.00
687,500.00
22,500.00
52,500.00
762,500.00
2,000,000.00
2,180,279.40
2,000,000.00
Business Name Aleka Harka Trade
Current Year 2021
Revenue As it is
Net Sales 21,915,000.00
Cost of Goods Sold


Less: Telephone -
Less: Insurance -
Less: Rent -
Less: Maintenance -
Less: Promotion -
Less: others -


* Cereal/Grain trade
2021
As Proposed
21,915,000.00
-
21,915,000.00
-
16,000,000.00
-
16,000,000.00
5,915,000.00
25,000.00
-
-
-
-
-
-
-
285,000.00
-
-
-
30,000.00
- For 1 month
340,000.00 Sales 21,915,000.00 1,826,250.00 1,155,000.00
DMC 16,000,000.00 1,333,333.33 687,500.00
5,575,000.00 DLC - - 22,500.00
224,435.62 IMC 340,000.00 28,333.33 52,500.00
5,350,564.38 16,340,000.00 1,361,666.67 762,500.00
802,584.66 -
5,575,000.00 464,583.33
4,547,979.72
Fixed
-
Recommendable 1,361,666.67 1,400,000.00

Credit Risk Level of Aleka Harka Trade Branch D/
1.2. 3
Total 10%
2.2. If not Zero
Total 10%
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
8.1. schedule
Total 10%
9.1. 10
to 1 year
Total 10%
Total 10%
Ground Total 100%
Summary of Aleka Harka Trade

Total 100%
Scores 84%
The Credit Risk Level of Aleka Harka Trade is 16.25% which is low. This implies that, Siinqee can provide the loan to
enterprise.
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 21,915,000.00
Profit Margin 0.37

Branch D/Guye
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
ee can provide the loan to this
________________________
: ______________________
________________________ For 1 month
Sales 21,915,000.00 1,826,250.00 1,155,000.00
DMC 16,000,000.00 1,333,333.33 687,500.00
DLC - - 22,500.00
IMC 340,000.00 28,333.33 52,500.00
16,340,000.00 1,361,666.67 762,500.00
-
5,575,000.00 464,583.33
Fixed
-
378,998.31
116,666.67
Business Name Alewiya Oumer Trade
Current Year 2021
Revenue As it is
Net Sales 21,672,000.00
Cost of Goods Sold


Less: Telephone -
Less: Insurance -
Less: Maintenance -
Less: Promotion -


2021
As Proposed
21,672,000.00
-
21,672,000.00
-
16,015,000.00
-
16,015,000.00
5,657,000.00
-
-
-
-
60,000.00
-
-
-
350,000.00
250,000.00
-
-
35,000.00
220,000.00 For 1 month
915,000.00 Sales 21,672,000.00 1,806,000.00 1,155,000.00
DMC 16,015,000.00 1,334,583.33 687,500.00
4,742,000.00 DLC - - 22,500.00
224,435.62 IMC 915,000.00 76,250.00 52,500.00
4,517,564.38 16,930,000.00 1,410,833.33 762,500.00
677,634.66 -
4,742,000.00 395,166.67
3,839,929.72
Fixed
-
Recommendable 1,410,833.33 1,400,000.00

116,666.67
Credit Risk Level of Alewiya Oumer Trade Branch D/
Total 10%
2.2. If not Zero
Total 10%
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
8.1. schedule
Total 10%
9.1. If
the client has work experience on the business for more than or equal
to 1 year 10
Total 10%
10.1.
Total 10%
Ground Total 100%
Summary of Alewiya Oumer Trade

Total 100%
Scores 84%
The Credit Risk Level of Alewiya Oumer Trade is 16.25% which is low. This implies that, Siinqee can provide the loan
this enterprise.
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 21,672,000.00
Profit Margin 0.35
Branch D/Guye
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
nqee can provide the loan to
_________________________
e: ______________________
_________________________ For 1 month
Sales 21,672,000.00 1,806,000.00 1,155,000.00
DMC 16,015,000.00 1,334,583.33 687,500.00
DLC - - 22,500.00
IMC 915,000.00 76,250.00 52,500.00
16,930,000.00 1,410,833.33 762,500.00
-
4,742,000.00 395,166.67
Fixed
-
321,394.60
Business Name Tesfa & Nehamiya Agriculture
Current Year 2021
Revenue As it is
Net Sales 10,885,000.00
Cost of Goods Sold


Less: Insurance -
Less: Maintenance -


Type of Enterprise MSE/Partinership
* Poultary Farm
2021
As Proposed
10,885,000.00
-
10,885,000.00
906,630.00
2,677,400.00
48,000.00
2,725,400.00
8,159,600.00
18,000.00
188.00
-
-
96,000.00
-
-
-
7,000.00
250,000.00
-
8,000.00
10,800.00
456,000.00 For 2 months
845,988.00 Sales 10,885,000.00 1,814,166.67 1,155,000.00
DMC 2,677,400.00 446,233.33 687,500.00
7,313,612.00 DLC 48,000.00 8,000.00 22,500.00
224,435.62 IMC 845,988.00 140,998.00 52,500.00
7,089,176.38 3,571,388.00 595,231.33 762,500.00
1,063,376.46 -
7,313,612.00 1,218,935.33
6,025,799.92
Fixed
906,630.00
Recommendable 1,501,861.33 1,500,000.00

593,370.00
49,447.50
Credit Risk Level of Tesfa & Nehamiya Agriculture Branch Uta
Total 10%
2.1. 10
mandatory saved
2.2. If not Zero
Total 10%
3 In %
of the business.
3.1.
Total 10%
10
4.1. is available
Total 10%
5 In %
application
Total 10%
Total 10%
Total 10%
10
8.1.
5
time
Total 10%
9.2. 5
one year
Total 10%
Total 10%
Ground Total 100%
Summary of Tesfa & Nehamiya Agriculture

3 10%
business
5 10%
application
Total 100%
Scores 84%
The Credit Risk Level of Tesfa & Nehamiya Agriculture is 13% which is low. This implies that, Siinqee can provide the
to this enterprise.
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 10,885,000.00
Profit Margin 2.99

* Poultary Farm
Branch Uta Wayu
Value earned
In %
4%
3%
3%
10%
In %
10%
10%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
87.00%
Points earned
10%
10%
10%
10%
10%
7%
0%
10%
10%
10%
87.00%
s that, Siinqee can provide the loan
For 2 months
Sales 10,885,000.00 1,814,166.67 1,155,000.00
DMC 2,677,400.00 446,233.33 687,500.00
DLC 48,000.00 8,000.00 22,500.00
IMC 845,988.00 140,998.00 52,500.00
3,571,388.00 595,231.33 762,500.00
-
7,313,612.00 1,218,935.33
Fixed
906,630.00
501,743.48
Business Name Agare Assefa Trade
Current Year 2021
Revenue As it is
Net Sales 21,040,000.00
Cost of Goods Sold


Less: Telephone -
Less: Insurance -
Less: Maintenance -
Less: Revenue Stamp 3,000.00

Less: Estimated Income Taxes 1,265,905.00

* Cereal/Grains Trade
2021
As Proposed
21,040,000.00
-
21,040,000.00
-
16,720,000.00
48,000.00
16,768,000.00
4,272,000.00
28,800.00
-
-
-
24,000.00
-
-
-
366,000.00
73,200.00
3,000.00
8,000.00
31,600.00
121,100.00 For 1 month
655,700.00 Sales 21,040,000.00 1,753,333.33 1,155,000.00
DMC 16,720,000.00 1,393,333.33 687,500.00
3,616,300.00 DLC 48,000.00 4,000.00 22,500.00
199,484.67 IMC 655,700.00 54,641.67 52,500.00
3,416,815.33 17,423,700.00 1,451,975.00 762,500.00
512,522.30 -
3,616,300.00 301,358.33
2,904,293.03
Fixed
-
Recommendable 1,451,975.00 1,300,000.00

Credit Risk Level of Agare Assefa Trade Branch Uta W
1.2. 3
Total 10%
2.2. If not Zero
Total 10%
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
9.1. 10
equal to 1 year
Total 10%
Total 10%
Ground Total 100%
Summary of Agare Assefa Trade

Total 100%
Scores 84%
The Credit Risk Level of Agare Assefa Trade is 13% which is low. This implies that, Siinqee can provide the loan to th
enterprise.
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 21,040,000.00
Profit Margin 0.25

Branch Uta Wayu
Value earned
In %
4%
3%
3%
10%
In %
10%
10%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
87.00%
Points earned
10%
10%
10%
10%
10%
7%
0%
10%
10%
10%
87.00%
ee can provide the loan to this
________________________
: ______________________
________________________ For 1 month
Sales 21,040,000.00 1,753,333.33 1,155,000.00
DMC 16,720,000.00 1,393,333.33 687,500.00
DLC 48,000.00 4,000.00 22,500.00
IMC 655,700.00 54,641.67 52,500.00
17,423,700.00 1,451,975.00 762,500.00
-
3,616,300.00 301,358.33
Fixed
-
242,024.42
Business Name Sadiya Ahmad Trade
Current Year 2021
Revenue As it is
Net Sales 26,020,000.00
Cost of Goods Sold


Less: Telephone -
Less: Insurance -
Less: Maintenance -
Less: others -


2021
As Proposed
26,020,000.00
-
26,020,000.00
-
24,984,100.00
-
24,984,100.00
1,035,900.00
40,000.00
-
-
-
36,000.00
-
-
-
36,000.00
-
-
1,000.00
8,000.00
- For 1 month
121,000.00 Sales 26,020,000.00 2,168,333.33 1,155,000.00
DMC 24,984,100.00 2,082,008.33 687,500.00
914,900.00 DLC - - 22,500.00
199,484.67 IMC 121,000.00 10,083.33 52,500.00
715,415.33 25,105,100.00 2,092,091.67 762,500.00
107,312.30 -
914,900.00 76,241.67
608,103.03
Fixed
-
Recommendable 2,092,091.67 1,500,000.00

Credit Risk Level of Sadiya Ahmad Trade Branch Awasho
1.2. memorandum 3 0%
Total 10% 0%
2.2.
If not Zero
Total 10% 0%
3 Socially acceptability and environment friendly of the In %
business.
3.1.
Total 10% 10%
4.1.
Total 10% 10%
Total 10% 10%
Total 10% 7%
Total 10% 0%
8.1.1. If the client has borrowed and repaid its debt based on 10 10%
Total 10% 10%
9.1. If the client has work experience on the business for more than 10 10%
or equal to 1 year
Total 10% 10%
Total 10% 10%
Summary of Sadiya Ahmad Trade
Total 100% 67.00%
Scores 84%
The Credit Risk Level of Sadiya Ahmad Trade is 16.25% which is low. This implies that, Siinqee can provide the
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Sales
Yearly DMC
Net Sales 26,020,000.00 DLC
Cost of Goods Sold 24,984,100.00 IMC
Profit Margin 0.04
Profit before Estimated income Taxes 705,026.85 Fixed
Operating Profit less Estimated Income Taxes 599,272.82 divided by 12 months
49,939.40

negative values after the enterprise pays its obligations at the end
of the period.
-
For 1 month
26,020,000.00 2,168,333.33 1,155,000.00
24,984,100.00 2,082,008.33 687,500.00
- - 22,500.00
121,000.00 10,083.33 52,500.00
25,105,100.00 2,092,091.67 762,500.00
-
914,900.00 76,241.67
Recommendable 2,092,091.67 1,500,000.00

Business Name Tigist Kebeta Trade
Current Year 2021
Revenue As it is
Net Sales 19,887,050.00
Cost of Goods Sold


Less: Telephone -
Less: Insurance -
Less: Rent -
Less: Maintenance -
Less: Promotion -
Less: Utilities -
Less: others -


2021
As Proposed
19,887,050.00
-
19,887,050.00
-
18,000,200.00
10,000.00
18,010,200.00
1,876,850.00
120,000.00
-
-
-
-
-
-
-
280,000.00
-
-
-
-
- For 1 month
400,000.00 Sales 19,887,050.00 1,657,254.17 1,155,000.00
DMC 18,000,200.00 1,500,016.67 687,500.00
1,476,850.00 DLC 10,000.00 833.33 22,500.00
153,906.98 IMC 400,000.00 33,333.33 52,500.00
1,322,943.02 18,410,200.00 1,534,183.33 762,500.00
198,441.45 -
1,476,850.00 123,070.83
1,124,501.57
Fixed
-
Recommendable 1,534,183.33 1,100,000.00
Credit Risk Level of Tigist Kebeta Trade Branch Sebeta
1.2. memorandum 3
Total 10%
2.2.
If not Zero
Total 10%
3 In %
business.
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
Total 10%
Total 10%
Ground Total 100%
Summary of Tigist Kebeta Trade

Total 100%
Scores 84%
The Credit Risk Level of Tigist Kebeta Tradeis 16.25% which is low. This implies that, Siinqee can provide the
Amount Recommended:
WC Direct Labor Cost 833.33

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 19,887,050.00
Profit Margin 0.10


negative values after the enterprise pays its obligations at the end
of the period.
Branch Sebeta
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
hat, Siinqee can provide the
__________________________
re: ______________________
__________________________ For 1 month
Sales 19,887,050.00 1,657,254.17 1,155,000.00
DMC 18,000,200.00 1,500,016.67 687,500.00
DLC 10,000.00 833.33 22,500.00
IMC 400,000.00 33,333.33 52,500.00
18,410,200.00 1,534,183.33 762,500.00
-
1,476,850.00 123,070.83
Fixed
-
93,708.46
91,666.67
Business Name Ayele Yizengaw Service.
Current Year 2021
Revenue As it is
Net Sales 5,410,900.00
Cost of Goods Sold


Less: Telephone -
Less: Insurance -
Less: Maintenance -
Less: Transport -
Less: Promotion -
Less: Utilities -


* Humans' drugs Trade

2021
As Proposed
5,410,900.00
-
5,410,900.00
-
2,112,750.00
-
2,112,750.00
3,298,150.00
216,000.00
-
-
-
96,000.00
-
-
-
-
-
-
-
-
317,000.00 Sales 5,410,900.00 2,705,450.00 1,155,000.00
DMC 2,112,750.00 1,056,375.00 687,500.00
2,981,150.00 DLC - - 22,500.00
184,139.70 IMC 317,000.00 158,500.00 52,500.00
2,797,010.30 2,429,750.00 1,214,875.00 762,500.00
419,551.55 -
2,981,150.00 1,490,575.00
2,377,458.76
Fixed
-
Recommendable 1,214,875.00 1,200,000.00
Credit Risk Level of Ayele Yizengaw Service. Branch Akaki
1.2. memorandum 3
Total 10%
2.2.
If not Zero
Total 10%
3 In %
business.
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
Total 10%
Total 10%
Ground Total 100%
Summary of Ayele Yizengaw Service.

Total 100%
Scores 84%
The Credit Risk Level of Ayele Yizengaw Service is 16.25% which is low. This implies that, Siinqee can provide the
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 5,410,900.00
Profit Margin 1.56

* Humans' drugs Trade

Branch Akaki
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
s that, Siinqee can provide the
__________________________
re: ______________________
__________________________ For 6 months
Sales 5,410,900.00 2,705,450.00 1,155,000.00
DMC 2,112,750.00 1,056,375.00 687,500.00
DLC - - 22,500.00
IMC 317,000.00 158,500.00 52,500.00
2,429,750.00 1,214,875.00 762,500.00
-
2,981,150.00 1,490,575.00
Fixed
-
198,121.56
100,000.00
Business Name Kasim Ibrahim Trade.
Current Year 2021
Revenue As it is
Net Sales 10,509,500.00
Cost of Goods Sold


Less: Insurance -
Less: Rent -
Less: Maintenance -
Less: Promotion -


* Cattle Trade
Shari'ab system Loan requested.

2021
As Proposed
10,509,500.00
-
10,509,500.00
-
8,967,000.00
-
8,967,000.00
1,542,500.00
24,000.00
2,500.00
-
-
-
-
-
-
7,050.00
-
-
-
11,270.00
50,000.00 For 1 month
94,820.00 Sales 10,509,500.00 875,791.67 1,155,000.00
DMC 8,967,000.00 747,250.00 687,500.00
1,447,680.00 DLC - - 22,500.00
107,414.82 IMC 94,820.00 7,901.67 52,500.00
1,340,265.18 9,061,820.00 755,151.67 762,500.00
201,039.78 -
1,447,680.00 120,640.00
1,139,225.40
Fixed
-
Recommendable 755,151.67 700,000.00
Credit Risk Level of Kasim Ibrahim Trade. Branch Mararo
1.2. memorandum 3
Total 10%
2.2.
If not Zero
Total 10%
3 In %
business.
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
Total 10%
Total 10%
Ground Total 100%
Summary of Kasim Ibrahim Trade.

Total 100%
Scores 84%
The Credit Risk Level of Kasim Ibrahim Trade is 16.25% which is low. This implies that, Siinqee can provide the
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 10,509,500.00
Profit Margin 0.17

* Cattle Trade
Shari'ab system Loan requested.

Branch Mararo
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
that, Siinqee can provide the
__________________________
re: ______________________
__________________________ For 1 month
Sales 10,509,500.00 875,791.67 1,155,000.00
DMC 8,967,000.00 747,250.00 687,500.00
DLC - - 22,500.00
IMC 94,820.00 7,901.67 52,500.00
9,061,820.00 755,151.67 762,500.00
-
1,447,680.00 120,640.00
Fixed
-
94,935.45
Business Name Zewdie Mamo Trade.
Current Year 2021
Revenue As it is
Net Sales 16,520,000.00
Cost of Goods Sold


Less: Insurance -
Less: Rent -
Less: Maintenance -
Less: Promotion -


*Cereal/Grain Trade
2021
As Proposed
16,520,000.00
-
16,520,000.00
-
14,698,000.00
-
14,698,000.00
1,822,000.00
75,000.00
15,000.00
-
-
-
-
-
-
119,100.00
-
-
-
6,000.00
50,000.00 For 1 month
265,100.00 Sales 16,520,000.00 1,376,666.67 1,155,000.00
DMC 14,698,000.00 1,224,833.33 687,500.00
1,556,900.00 DLC - - 22,500.00
153,449.75 IMC 265,100.00 22,091.67 52,500.00
1,403,450.25 14,963,100.00 1,246,925.00 762,500.00
210,517.54 -
1,556,900.00 129,741.67
1,192,932.71
Fixed
-
Recommendable 1,246,925.00 1,000,000.00
Credit Risk Level of Zewdie Mamo Trade. Branch Mararo
1.2. memorandum 3
Total 10%
2.2.
If not Zero
Total 10%
3 In %
business.
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
Total 10%
Total 10%
Ground Total 100%
Summary of Zewdie Mamo Trade.

Total 100%
Scores 84%
The Credit Risk Level of Zewdie Mamo Trade is 16.25% which is low. This implies that, Siinqee can provide the
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 16,520,000.00
Profit Margin 0.12

*Cereal/Grain Trade
Branch Mararo
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
300,000.00
__________________________
re: ______________________
__________________________ For 1 month
Sales 16,520,000.00 1,376,666.67 1,155,000.00
DMC 14,698,000.00 1,224,833.33 687,500.00
DLC - - 22,500.00
IMC 265,100.00 22,091.67 52,500.00
14,963,100.00 1,246,925.00 762,500.00
-
1,556,900.00 129,741.67
Fixed
-
99,411.06
Business Name Teshome TafaTrade.
Current Year 2021
Revenue As it is
Net Sales 10,022,000.00
Cost of Goods Sold


Less: Insurance -
Less: Rent -
Less: Maintenance -
Less: Promotion -


*Cereal/Grain Trade
2021
As Proposed
10,022,000.00
-
10,022,000.00
-
8,697,400.00
-
8,697,400.00
1,324,600.00
18,000.00
3,500.00
-
-
-
-
-
-
115,410.00
-
-
-
6,000.00
50,000.00 For 1 month
192,910.00 Sales 10,022,000.00 835,166.67 1,155,000.00
DMC 8,697,400.00 724,783.33 687,500.00
1,131,690.00 DLC - - 22,500.00
107,414.82 IMC 192,910.00 16,075.83 52,500.00
1,024,275.18 8,890,310.00 740,859.17 762,500.00
153,641.28 -
1,131,690.00 94,307.50
870,633.90
Fixed
-
Recommendable 740,859.17 700,000.00
Credit Risk Level of Teshome TafaTrade. Branch Mararo
1.2. memorandum 3
Total 10%
2.2.
If not Zero
Total 10%
3 In %
business.
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
Total 10%
Total 10%
Ground Total 100%
Summary of Teshome TafaTrade.

Total 100%
Scores 84%
The Credit Risk Level of Teshome TafaTrade. is 16.25% which is low. This implies that, Siinqee can provide the
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 10,022,000.00
Profit Margin 0.15

*Cereal/Grain Trade
Branch Mararo
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
__________________________
re: ______________________
__________________________ For 1 month
Sales 10,022,000.00 835,166.67 1,155,000.00
DMC 8,697,400.00 724,783.33 687,500.00
DLC - - 22,500.00
IMC 192,910.00 16,075.83 52,500.00
8,890,310.00 740,859.17 762,500.00
-
1,131,690.00 94,307.50
Fixed
-
72,552.83
Business Name Dejene KabaTrade..
Current Year 2021
Revenue As it is
Net Sales 18,735,000.00
Cost of Goods Sold


Less: Insurance -
Less: Rent -
Less: Maintenance -
Less: Promotion -
Less: Utilities -


*Cereal/Grain Trade
2021
As Proposed
18,735,000.00
-
18,735,000.00
-
16,674,000.00
12,000.00
16,686,000.00
5,500.00
2,049,000.00 21,500.00
-
4,000.00
-
-
-
-
-
-
83,000.00
-
-
-
-
27,000.00 For 1 month
114,000.00 Sales 18,735,000.00 1,561,250.00 1,155,000.00
DMC 16,674,000.00 1,389,500.00 687,500.00
1,935,000.00 DLC 12,000.00 1,000.00 22,500.00
214,829.65 IMC 114,000.00 9,500.00 52,500.00
1,720,170.35 16,800,000.00 1,400,000.00 762,500.00
258,025.55 -
1,935,000.00 161,250.00
1,462,144.80
Fixed
-
Recommendable 1,400,000.00 1,400,000.00
Credit Risk Level of Dejene KabaTrade. Branch Bokoji
1.2. memorandum 3
Total 10%
2.2.
If not Zero
Total 10%
3 In %
business.
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
Total 10%
Total 10%
Ground Total 100%
Summary of Dejene KabaTrade.

Total 100%
Scores 84%
The Credit Risk Level of Dejene KabaTrade is 16.25% which is low. This implies that, Siinqee can provide the loan
to this enterprise.
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 18,735,000.00
Profit Margin 0.12

*Cereal/Grain Trade
Branch Bokoji
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
, Siinqee can provide the loan
__________________________
re: ______________________
__________________________ For 1 month
Sales 18,735,000.00 1,561,250.00 1,155,000.00
DMC 16,674,000.00 1,389,500.00 687,500.00
DLC 12,000.00 1,000.00 22,500.00
IMC 114,000.00 9,500.00 52,500.00
16,800,000.00 1,400,000.00 762,500.00
-
1,935,000.00 161,250.00
Fixed
-
121,845.40
Business Name Dawit AdugnaTrade.
Current Year 2021
Revenue As it is
Net Sales 22,795,000.00
Cost of Goods Sold


Less: Insurance -
Less: Rent -
Less: Maintenance -
Less: Promotion -
Less: Utilities -


*Cereal/Grain Trade
2021
As Proposed
22,795,000.00
-
22,795,000.00
-
20,247,000.00
12,000.00
20,259,000.00
5,500.00
2,536,000.00 21,500.00
-
4,000.00
-
-
-
-
-
-
110,000.00
-
-
-
-
27,000.00 For 1 month
141,000.00 Sales 22,795,000.00 1,899,583.33 1,155,000.00
DMC 20,247,000.00 1,687,250.00 687,500.00
2,395,000.00 DLC 12,000.00 1,000.00 22,500.00
260,864.57 IMC 141,000.00 11,750.00 52,500.00
2,134,135.43 20,400,000.00 1,700,000.00 762,500.00
320,120.31 -
2,395,000.00 199,583.33
1,814,015.12
Fixed
-
Recommendable 1,700,000.00 1,700,000.00
Credit Risk Level of Dawit AdugnaTrade. Branch Bokoji
1.2. memorandum 3
Total 10%
2.2.
If not Zero
Total 10%
3 In %
business.
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
Total 10%
Total 10%
Ground Total 100%
Summary of Dawit AdugnaTrade.

Total 100%
Scores 84%
The Credit Risk Level of Dawit AdugnaTrade is 16.25% which is low. This implies that, Siinqee can provide the
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 22,795,000.00
Profit Margin 0.13

*Cereal/Grain Trade
Branch Bokoji
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
__________________________
re: ______________________
__________________________ For 1 month
Sales 22,795,000.00 1,899,583.33 1,155,000.00
DMC 20,247,000.00 1,687,250.00 687,500.00
DLC 12,000.00 1,000.00 22,500.00
IMC 141,000.00 11,750.00 52,500.00
20,400,000.00 1,700,000.00 762,500.00
-
2,395,000.00 199,583.33
Fixed
-
151,167.93
Business Name Gabre BeleteTrade.
Current Year 2021
Revenue As it is
Net Sales 47,392,000.00
Cost of Goods Sold


Less: Insurance -
Less: Rent -
Less: Maintenance -
Less: Promotion -
Less: Utilities -


*Cereal/Grain Trade
2021
As Proposed
47,392,000.00
-
47,392,000.00
-
41,850,000.00
12,000.00
41,862,000.00
12,400.00
5,530,000.00 9,340.00
-
8,400.00
-
-
-
-
-
-
107,860.00
-
-
-
-
21,740.00 For 1 month
138,000.00 Sales 47,392,000.00 3,949,333.33 1,155,000.00
DMC 41,850,000.00 3,487,500.00 687,500.00
5,392,000.00 DLC 12,000.00 1,000.00 22,500.00
537,074.12 IMC 138,000.00 11,500.00 52,500.00
4,854,925.88 42,000,000.00 3,500,000.00 762,500.00
728,238.88 -
5,392,000.00 449,333.33
4,126,687.00
Fixed
-
Recommendable 3,500,000.00 3,500,000.00
Credit Risk Level of Gabre BeleteTrade. Branch Bokoji
1.2. memorandum 3
Total 10%
2.2.
If not Zero
Total 10%
3 In %
business.
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
Total 10%
Total 10%
Ground Total 100%
Summary of Gabre BeleteTrade.

Total 100%
Scores 84%
The Credit Risk Level of Gabre BeleteTrade is 16.25% which is low. This implies that, Siinqee can provide the
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 47,392,000.00
Profit Margin 0.13

*Cereal/Grain Trade
Branch Bokoji
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
hat, Siinqee can provide the
__________________________
re: ______________________
__________________________ For 1 month
Sales 47,392,000.00 3,949,333.33 1,155,000.00
DMC 41,850,000.00 3,487,500.00 687,500.00
DLC 12,000.00 1,000.00 22,500.00
IMC 138,000.00 11,500.00 52,500.00
42,000,000.00 3,500,000.00 762,500.00
-
5,392,000.00 449,333.33
Fixed
-
343,890.58
Business Name Asnakech MekonnenTrade
Current Year 2021
Revenue As it is
Net Sales 12,704,000.00
Cost of Goods Sold


Less: Telephone -
Less: Insurance -
Less: Maintenance -
Less: Promotion -


Type of Enterprise BL(OL)
*Boutique/readymade clothes Trade

2021
As Proposed
12,704,000.00
-
12,704,000.00
-
11,335,000.00
-
11,335,000.00
12,400.00
1,369,000.00 9,340.00
72,000.00
-
-
-
36,000.00
-
-
-
5,200.00
-
-
-
4,520.00
21,000.00 For 1 month
138,720.00 Sales 12,704,000.00 1,058,666.67 1,155,000.00
DMC 11,335,000.00 944,583.33 687,500.00
1,230,280.00 DLC - - 22,500.00
122,759.80 IMC 138,720.00 11,560.00 52,500.00
1,107,520.20 11,473,720.00 956,143.33 762,500.00
166,128.03 -
1,230,280.00 102,523.33
941,392.17
Fixed
-
Recommendable 956,143.33 800,000.00
Credit Risk Level of Asnakech MekonnenTrade. Branch Abomsa
1.2. memorandum 3
Total 10%
2.2.
If not Zero
Total 10%
3 In %
business.
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
Total 10%
Total 10%
Ground Total 100%
Summary of Asnakech MekonnenTrade

Total 100%
Scores 84%
The Credit Risk Level of Asnakech MekonnenTrade is 16.25% which is low. This implies that, Siinqee can provide
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 12,704,000.00
Profit Margin 0.12

*Boutique/readymade clothes Trade

Branch Abomsa
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
plies that, Siinqee can provide
__________________________
re: ______________________
__________________________ For 1 month
Sales 12,704,000.00 1,058,666.67 1,155,000.00
DMC 11,335,000.00 944,583.33 687,500.00
DLC - - 22,500.00
IMC 138,720.00 11,560.00 52,500.00
11,473,720.00 956,143.33 762,500.00
-
1,230,280.00 102,523.33
Fixed
-
78,449.35
Business Name Bayush NigatuTrade.
Current Year 2021
Revenue As it is
Net Sales 53,367,500.00
Cost of Goods Sold


Less: Telephone -
Less: Insurance -
Less: Rent -
Less: Maintenance -
Less: Promotion -


Type of Enterprise BL(OL)
*Cereal/Grain Trade
2021
As Proposed
53,367,500.00
-
53,367,500.00
-
51,550,000.00
-
51,550,000.00
12,400.00
1,817,500.00 9,340.00
12,000.00
-
-
-
-
-
-
-
70,000.00
-
-
-
3,000.00
10,000.00 For 1 month
95,000.00 Sales 53,367,500.00 2,223,645.83 1,155,000.00
DMC 51,550,000.00 2,147,916.67 687,500.00
1,722,500.00 DLC - - 22,500.00
214,829.65 IMC 95,000.00 3,958.33 52,500.00
1,507,670.35 51,645,000.00 2,151,875.00 762,500.00
226,150.55 -
1,722,500.00 71,770.83
1,281,519.80
Fixed
-
Recommendable 2,151,875.00 1,400,000.00
Credit Risk Level of Bayush NigatuTrade. Branch Abomsa
1.2. memorandum 3
Total 10%
2.2.
If not Zero
Total 10%
3 In %
business.
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
Total 10%
Total 10%
Ground Total 100%
Summary of Bayush NigatuTrade.

Total 100%
Scores 84%
The Credit Risk Level of Bayush NigatuTrade is 16.25% which is low. This implies that, Siinqee can provide the
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 53,367,500.00
Profit Margin 0.04

*Cereal/Grain Trade
Branch Abomsa
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
600,000.00
__________________________
re: ______________________
__________________________ For 1 month
Sales 53,367,500.00 2,223,645.83 1,155,000.00
DMC 51,550,000.00 2,147,916.67 687,500.00
DLC - - 22,500.00
IMC 95,000.00 3,958.33 52,500.00
51,645,000.00 2,151,875.00 762,500.00
-
1,722,500.00 71,770.83
Fixed
-
106,793.32
Business Name Eshetu TirunehTrade.
Current Year 2021
Revenue As it is
Net Sales 2,253,744.00
Cost of Goods Sold


Less: Telephone -
Less: Insurance -
Less: Rent 9,600.00
Less: Maintenance -
Less: Promotion -
Less: Utilities -
Less: others -


*Mini- Market Trade

2021
As Proposed
2,253,744.00
-
2,253,744.00
-
1,401,300.00
12,000.00
1,413,300.00
12,400.00
840,444.00 9,340.00
12,000.00
-
-
-
9,600.00
-
-
-
12,000.00
-
-
-
-
- For 6 months
33,600.00 Sales 2,253,744.00 1,126,872.00 1,155,000.00
DMC 1,401,300.00 700,650.00 687,500.00
806,844.00 DLC 12,000.00 6,000.00 22,500.00
107,414.82 IMC 33,600.00 16,800.00 52,500.00
699,429.18 1,446,900.00 723,450.00 762,500.00
104,914.38 -
806,844.00 403,422.00
594,514.80
Fixed
-
Recommendable 723,450.00 700,000.00
Credit Risk Level of Eshetu TirunehTrade. Branch Tokuma
1.2. memorandum 3
Total 10%
2.2.
If not Zero
Total 10%
3 In %
business.
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
Total 10%
Total 10%
Ground Total 100%
Summary of Eshetu TirunehTrade

Total 100%
Scores 84%
The Credit Risk Level of Eshetu TirunehTrade is 16.25% which is low. This implies that, Siinqee can provide the
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 2,253,744.00
Profit Margin 0.59

*Mini- Market Trade

Branch Tokuma
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
__________________________
re: ______________________
__________________________ For 6 months
Sales 2,253,744.00 1,126,872.00 1,155,000.00
DMC 1,401,300.00 700,650.00 687,500.00
DLC 12,000.00 6,000.00 22,500.00
IMC 33,600.00 16,800.00 52,500.00
1,446,900.00 723,450.00 762,500.00
-
806,844.00 403,422.00
Fixed
-
49,542.90
Business Name Jaletama Service.
Current Year 2021
Revenue As it is
Net Sales 10,511,000.00
Cost of Goods Sold


Less: Insurance -
Less: Maintenance -
Less: others -


Type of Enterprise MSE/BL
*Restaurant/Butcher
2021
As Proposed
10,511,000.00
-
10,511,000.00
225,500.00
5,906,600.00
100,800.00
6,007,400.00
4,503,600.00
15,000.00
2,400.00
-
-
24,000.00
-
-
-
15,000.00
-
-
4,000.00
8,400.00
- For 3 months
68,800.00 Sales 10,511,000.00 2,627,750.00 1,155,000.00
DMC 5,906,600.00 1,476,650.00 687,500.00
4,434,800.00 DLC 100,800.00 25,200.00 22,500.00
260,864.57 IMC 68,800.00 17,200.00 52,500.00
4,173,935.43 6,076,200.00 1,519,050.00 762,500.00
626,090.31 -
4,434,800.00 1,108,700.00
3,547,845.12
Fixed
225,500.00
Recommendable 1,744,550.00 1,700,000.00
Credit Risk Level of Jaletama Service. Branch Boku Shene
1.2. memorandum 3
Total 10%
2.2.
If not Zero
Total 10%
3 In %
business.
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
Total 10%
Total 10%
Ground Total 100%
Summary of Jaletama Service.

Total 100%
Scores 84%
The Credit Risk Level of Jaletama Service is 13% which is low. This implies that, Siinqee can provide the loan to
this enterprise.
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 10,511,000.00
Profit Margin 0.75

*Restaurant/Butcher
Branch Boku Shene
Value earned
In %
4%
3%
3%
10%
In %
10%
10%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
87.00%
Points earned
10%
10%
10%
10%
10%
7%
0%
10%
10%
10%
87.00%
nqee can provide the loan to
__________________________
re: ______________________
__________________________ For 3 months
Sales 10,511,000.00 2,627,750.00 1,155,000.00
DMC 5,906,600.00 1,476,650.00 687,500.00
DLC 100,800.00 25,200.00 22,500.00
IMC 68,800.00 17,200.00 52,500.00
6,076,200.00 1,519,050.00 762,500.00
-
4,434,800.00 1,108,700.00
Fixed
225,500.00
295,653.76
Business Name Tujaru Dinku Trade.
Current Year 2021
Revenue As it is
Net Sales 24,427,000.00
Cost of Goods Sold


Less: Insurance -
Less: Maintenance -


*Animal& Animals' feeds Trade

2021
As Proposed
24,427,000.00
-
24,427,000.00
-
21,430,000.00
100,800.00
21,530,800.00
2,896,200.00
81,600.00
10,900.00
-
-
72,000.00
-
-
-
210,000.00
-
-
4,000.00
18,000.00
405,400.00 Sales 24,427,000.00 2,035,583.33 1,155,000.00
DMC 21,430,000.00 1,785,833.33 687,500.00
2,490,800.00 DLC 100,800.00 8,400.00 22,500.00
138,104.77 IMC 405,400.00 33,783.33 52,500.00
2,352,695.23 21,936,200.00 1,828,016.67 762,500.00
352,904.28 -
2,490,800.00 207,566.67
1,999,790.95
Fixed
-
Recommendable 1,828,016.67 900,000.00
Credit Risk Level of Tujaru Dinku Trade. Branch Bushoftu
1.2. memorandum 3
Total 10%
2.2.
If not Zero
Total 10%
3 In %
business.
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
Total 10%
Total 10%
Ground Total 100%
Summary of Tujaru Dinku Trade

Total 100%
Scores 84%
The Credit Risk Level of Tujaru Dinku Trade is 16.25% which is low. This implies that, Siinqee can provide the
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 24,427,000.00
Profit Margin 0.13

*Animal& Animals' feeds Trade

Branch Bushoftu
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
__________________________
re: ______________________
__________________________ For 1 month
Sales 24,427,000.00 2,035,583.33 1,155,000.00
DMC 21,430,000.00 1,785,833.33 687,500.00
DLC 100,800.00 8,400.00 22,500.00
IMC 405,400.00 33,783.33 52,500.00
21,936,200.00 1,828,016.67 762,500.00
-
2,490,800.00 207,566.67
Fixed
-
166,649.25
Interest not deducted Recommendable 1,828,016.67 900,000.00
Business Name IBO Manufacturing
Current Year 2021
Revenue As it is
Net Sales 10,389,600.00
Cost of Goods Sold


Less: Insurance -
Less: Maintenance -
Less: Promotion -
Less: others -


Type of Enterprise BL/MSE
*Blocket Production
2021
As Proposed
10,389,600.00
-
10,389,600.00
172,460.00
5,898,580.00 24,000.00
343,200.00 4,800.00
6,241,780.00
4,147,820.00
20,000.00
900.00
-
-
24,000.00
-
3,000.00
-
12,000.00
-
-
-
28,800.00
- For 1 month
88,700.00 Sales 10,389,600.00 865,800.00 1,155,000.00
DMC 5,898,580.00 491,548.33 687,500.00
4,059,120.00 DLC 343,200.00 28,600.00 22,500.00
107,414.82 IMC 88,700.00 7,391.67 52,500.00
3,951,705.18 6,330,480.00 527,540.00 762,500.00
592,755.78 -
4,059,120.00 338,260.00
3,358,949.40
Fixed
172,460.00
Recommendable 700,000.00 700,000.00
Credit Risk Level of IBO Manufacturing Branch Chefe
1.2. memorandum 3
Total 10%
2.2.
If not Zero
Total 10%
3 In %
business.
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
Total 10%
Total 10%
Ground Total 100%
Summary of IBO Manufacturing

Total 100%
Scores 84%
The Credit Risk Level of IBO Manufacturing is 13% which is low. This implies that, Siinqee can provide the loan to
this enterprise.
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 10,389,600.00
Profit Margin 0.66

*Blocket Production
Branch Chefe
Value earned
In %
4%
3%
3%
10%
In %
10%
10%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
87.00%
Points earned
10%
10%
10%
10%
10%
7%
0%
10%
10%
10%
87.00%
iinqee can provide the loan to
__________________________
re: ______________________
__________________________ For 1 month
Sales 10,389,600.00 865,800.00 1,155,000.00
DMC 5,898,580.00 491,548.33 687,500.00
DLC 343,200.00 28,600.00 22,500.00
IMC 88,700.00 7,391.67 52,500.00
6,330,480.00 527,540.00 762,500.00
-
4,059,120.00 338,260.00
Fixed
172,460.00
279,912.45
Business Name Dr. Defa Hussien Service
Current Year 2021
Revenue As it is
Net Sales 10,389,600.00
Cost of Goods Sold


Less: Insurance -
Less: Maintenance -
Less: Promotion -
Less: others -


*Clinical service
2021
As Proposed
10,389,600.00
-
10,389,600.00
172,460.00
5,898,580.00 24,000.00
343,200.00 4,800.00
6,241,780.00
4,147,820.00
20,000.00
900.00
-
-
24,000.00
-
3,000.00
-
12,000.00
-
-
-
28,800.00
- For 1 month
88,700.00 Sales 10,389,600.00 865,800.00 1,155,000.00
DMC 5,898,580.00 491,548.33 687,500.00
4,059,120.00 DLC 343,200.00 28,600.00 22,500.00
107,414.82 IMC 88,700.00 7,391.67 52,500.00
3,951,705.18 6,330,480.00 527,540.00 762,500.00
592,755.78 -
4,059,120.00 338,260.00
3,358,949.40
Fixed
172,460.00
Recommendable 700,000.00 700,000.00
Credit Risk Level of Dr. Defa Hussien Service Branch Uta Wayu
1.2. memorandum 3
Total 10%
2.2.
If not Zero
Total 10%
3 In %
business.
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
Total 10%
Total 10%
Ground Total 100%
Summary of Dr. Defa Hussien Service

Total 100%
Scores 84%
The Credit Risk Level of Dr. Defa Hussien Service is 13% which is low. This implies that, Siinqee can provide the
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 10,389,600.00
Profit Margin 0.66

*Clinical service
Branch Uta Wayu
Value earned
In %
4%
3%
3%
10%
In %
10%
10%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
87.00%
Points earned
10%
10%
10%
10%
10%
7%
0%
10%
10%
10%
87.00%
__________________________
re: ______________________
__________________________ For 1 month
Sales 10,389,600.00 865,800.00 1,155,000.00
DMC 5,898,580.00 491,548.33 687,500.00
DLC 343,200.00 28,600.00 22,500.00
IMC 88,700.00 7,391.67 52,500.00
6,330,480.00 527,540.00 762,500.00
-
4,059,120.00 338,260.00
Fixed
172,460.00
279,912.45
Business Name:- Gosa Bogale MaridTrade
Current Year 2021
Revenue As it is
Net Sales 5,790,600.00
Cost of Goods Sold


Less: Insurance -
Less: Rent -
Less: Maintenance -
Less: Transport -
Less: Promotion -
Less: others -


*Soft Drink Trade

2021
As Proposed
5,790,600.00
-
5,790,600.00
17,000.00
2,748,480.00 500.00
72,000.00
2,820,480.00
2,970,120.00
-
5,000.00
-
-
-
-
-
-
-
4,000.00
-
-
13,500.00
- For 1 month
22,500.00 Sales 5,790,600.00 482,550.00 1,155,000.00
DMC 2,748,480.00 229,040.00 687,500.00
2,947,620.00 DLC 72,000.00 6,000.00 22,500.00
165,420.00 IMC 22,500.00 1,875.00 52,500.00
2,782,200.00 2,842,980.00 236,915.00 762,500.00
398,409.82 -
2,947,620.00 245,635.00
2,383,790.18
Fixed
17,000.00
Recommendable 253,915.00 1,700,000.00
Credit Risk Level of Gosa Bogale Dalo Mana Branch
1.2. memorandum 3
Total 10%
2.2.
If not Zero
Total 10%
3 In %
business.
3.1.
Total 10%
4.1.
Total 10%
Total 10%
Total 10%
Total 10%
10
Total 10%
Total 10%
Total 10%
Ground Total 100%
Summary of Bayush Tesama Abdisa Trade

Total 100%
Scores 84%
The Credit Risk Level of Workineh Nigusie Trade is 16.25% which is low. This implies that, Siinqee can provide
Amount Recommended:

Name: ________________________________ Name: ___________________________
Date: _________________________________ Date: ____________________________
Yearly
Net Sales 5,790,600.00
Profit Margin 1.05

*Soft Drink Trade

Dalo Mana Branch
Value earned
In %
0%
0%
0%
0%
In %
0%
0%
In %
10%
10%
In %
10%
10%
In %
3.5%
3.5%
3%
10%
In %
7%
7%
In %
0%
0%
0%
In %
10%
10%
In %
10%
0%
10%
In %
10%
10%
67.00%
Points earned
0%
0%
10%
10%
10%
7%
0%
10%
10%
10%
67.00%
ies that, Siinqee can provide
950,000.00
__________________________
re: ______________________
__________________________ For 1 month
Sales 5,790,600.00 482,550.00 1,155,000.00
DMC 2,748,480.00 229,040.00 687,500.00
DLC 72,000.00 6,000.00 22,500.00
IMC 22,500.00 1,875.00 52,500.00
2,842,980.00 236,915.00 762,500.00
-
2,947,620.00 245,635.00
Fixed
17,000.00
197,072.50

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Business Name Elfinesh & Dani'el Agriculture.

Current Year 2021

Net Sales 2,015,000.00

Cost of Goods Sold

Less: Total Cost of Gods Sold 720,000.00

Gross Profit 1,295,000.00

Operating Expenses (Selling and General Administrative Expenses)

Equal: Operating Profit 1,223,000.00

Equal: Net Income after taxes 980,553.00

Type of Enterprise WEDP

* Dairy farm/Milk production

Summary of Elfinesh & Dani'el Agriculture

Prepared by: Checked by:

Aproximate Monthly Profit 78,680.41

* Dairy farm/Milk production

mplies that, OCSSCO can provide

Current Year 2021

Net Sales 7,402,000.00

Cost of Goods Sold

Less: Total Cost of Gods Sold 5,559,640.00

Gross Profit 1,842,360.00

Operating Expenses (Selling and General Administrative Expenses)

Equal: Operating Profit 1,281,560.00

Equal: Net Income after taxes 1,005,414.93

Summary of Ramedan Amano Manufacturing.

Prepared by: Checked by:

es that, OCSSCO can provide the

Current Year 2021

Net Sales 5,084,000.00

Cost of Goods Sold

Less: Total Cost of Gods Sold 1,500,000.00

Gross Profit 3,584,000.00

Operating Expenses (Selling and General Administrative Expenses)

Equal: Operating Profit 3,457,500.00

Equal: Net Income after taxes 3,202,500.00

Type of Enterprise WEDP

* Furniture Decoration Trade.

Summary of Almaz Fole Trade

* Furniture Decoration Trade.

Weight given Points earned

Current Year 2021

Net Sales 3,286,500.00

Cost of Goods Sold

Less: Total Cost of Gods Sold 1,685,000.00

Gross Profit 1,601,500.00

Operating Expenses (Selling and General Administrative Expenses)

Equal: Operating Profit 1,556,700.00

Equal: Net Income after taxes 1,191,700.00

Type of Enterprise WEDP

Summary of Samirawit Alemayehu Trade

Prepared by: Checked by:

Aproximate Monthly Profit 101,982.21

ies that, OCSSCO can provide the

Current Year 2021

Net Sales 3,553,700.00

Cost of Goods Sold

Less: Total Cost of Gods Sold 1,400,000.00

Gross Profit 2,153,700.00

Operating Expenses (Selling and General Administrative Expenses)

Equal: Operating Profit 1,995,700.00

Equal: Net Income after taxes 1,749,000.00

Type of Enterprise WEDP

* Human drug Trade.

Summary of Meseret Haile Trade