Annex 3. Worksheets for field workers
Annex 5. Group financial records
GMF1: Individual savings record
GF5: Group statement savings and loans operations
8(T): Group's financial status
8(T)-A: Income change group members
8(C): Consolidated report of group's financial status
9(G): Report of purpose of loans
Name of entrepreneur Address Type of Project Amount of loan from group/project |
Self-reliance · What is your motivation, are you confident about starting the enterprise? · Are your family members supportive? · Will you manage the enterprise yourself? · Will you handle the financial affairs yourself? · Did you attend training group formation? · How is your savings/loans performance in the group? · Are you prepared to take the risk? · Do/will you attend any training - functional literacy and numeracy classes - technical skills training - enterpreneurial skills training |
Remarks |
Production · Do you have the technical skills, or are they available? · Can you oversee the whole production process? · Will technical advice/training be obtainable? - amount and price of non-durable inputs - is the production volume achievable · Can you produce good quality? |
Remarks |
Marketing a Buying Inputs · Are raw materials available? From whom? · Are required inputs readily available - durable goods (tools, facilities, equipment, etc ) - non-durable goods (fertilizer, seeds, etc ) · Are there any arrangements with suppliers - about the volume, quality and time of supply - about the price of supplies - about the mode of payment (cash or credit, terms) · Are the set prices for all inputs realistic? b Selling products · Do you know what the customers need/ require? · Who will buy the products? · Are there alternative buyers? · Is the market stable/reliable? · What volume and how frequent can you sell? · Are there any arrangements with buyers - about the volume that can be sold? - about the sales price of the product? - about the required quality of the product? · Is the location of the business appropriate? · Are the set prices realistic? |
Remarks |
Organization/Management · What are the critical aspects for the success of the enterprise? · Do you know the time requirements - which tasks and how much time is required - who will carry out the tasks - what procedures will be applied · Do you plan to keep financial records? · Do you plan to make regular income statements? · Will you separate household and enterprise accounts? |
Remarks |
Financial Viability · 18 the required investment reasonable? · Is the sourcing of funds reasonable? · Is the enterprise profitable? · Can the enterprise adjust to market changes? · Is the repayment schedule reasonable? · Will you be able to pay amortization and interest on loans? |
Remarks |
Conclusion and Recommendations |
1 |
2 |
3 |
4 |
5 |
6 |
Name entrepreneur: |
Month: | ||||
Name enterprise: |
Year: | ||||
Beginning Balance (Cash Status) |
Amount: | ||||
Remaining Balance |
|||||
Cash In |
Cash Out |
||||
Item |
Amount |
Item |
Amount |
Amount |
Date |
Name entrepreneur: |
Name enterprise: | |||
Address: |
Period of Statement: | |||
Signature: |
Date: | |||
Gross Sales |
rmb |
|||
Other Income |
rmb |
|||
Total Income |
rmb | |||
Less: |
||||
Costs of goods/services sold |
||||
Materials: |
rmb |
|||
Labor: |
rmb |
|||
Use of facilities: |
rmb |
|||
Change in inventory: |
||||
value beginning |
rmb |
|||
minus value end |
rmb |
|||
rmb |
||||
Total Coats of goods sold |
rmb | |||
Gross Profit |
rmb | |||
Less: |
||||
Other Expenses |
rmb | |||
(transportation, tax. Administration, selling) |
||||
Net Cash Income |
rmb |
|||
Less: |
||||
Depreciation |
rmb |
|||
Interest on loans |
rmb |
|||
rmb |
||||
Net Profit |
rmb | |||
Return on Investment |
% |
Township:_____________ |
||
Village:________________ |
Code: |
1 = very good |
Group Name:___________ |
2 = slight problem, but can be corrected easily | |
No. of members:________ |
3 = serious problem, need for project staff intervention |
Indicators checked |
Month/day of visit | ||||||||||||
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
10 |
11 |
12 | ||
1 |
Weekly or monthly savings by all members |
||||||||||||
2 |
Regular review/increase savings amount |
||||||||||||
3 |
Clear policies on savings and loans |
||||||||||||
4 |
Percentage of savings fund in use for micro-enterprise development |
||||||||||||
5 |
Project loan disbursed and utilized per the agreement |
||||||||||||
6 |
Interest rate on loans to members |
||||||||||||
7 |
Regular review/increase interest rate |
||||||||||||
8 |
Group able to prepare and assess business plans/loan applications |
||||||||||||
9 |
Decisions on loans based on business plan |
||||||||||||
10 |
Loan duration based on requirement enterprise/entrepreneur |
||||||||||||
11 |
100 % repayment rate |
||||||||||||
12 |
Members have individual savings record |
||||||||||||
13 |
Members have individual loan record |
||||||||||||
14 |
Group financial records up to date and correct |
||||||||||||
15 |
Members are informed about group's financial status |
||||||||||||
16 |
Members keep cash records |
||||||||||||
17 |
Members make regular income statements |
||||||||||||
18 |
Members enterprises are profitable |
||||||||||||
19 |
Members share experiences in group |
||||||||||||
20 |
Group receives required training/advisory service |
Name Project Officer:______________________
Date:_____________________________
Borrower:_______________
Loan Application:_________
Date Received:___________
A. Production Aspects
1. What crop(s) / livestock you intend to produce?:
2. Please indicate the la size/no. of heads, projected harvest per cycle and the time period covered in producing # 1.
Crops / Livestock |
Land Size / No. of Heads |
Projected Harvest |
Crop Season |
Period Covered (Months) |
a |
||||
b |
3. Have you produced such crop/livestock before? --- If yes, what is your previous average
harvest?
4. If no, do you have skills in raising such crops (s) / livestock? ---
If no, where will you obtain the technical advice (state government agency and contac person):
5. Please list all raw materials/production inputs, labor requirements and costs involved in producing # 1. By accomplishing the "Production Plan Form". If more than I crop I livestock, please accomplish the Form for each crop or livestock.
6. What equipment, facilities, and/or fools you need"? Please list items already existing items to be bought/constructed, and items that can be obtained on credit ( to be deducted from sales proceeds) Indicate estimated I if e-years and costs of such items.
Borrower: |
Production Plan for Year |
Location: |
Land Size/No.. of Heads: |
||
Crop/Livestock |
Land Description 4/ |
Production Inputs 2/ |
Labor Requirement |
Schedule/Months | ||||||||||||||||||||
Acquisition 3/ |
||||||||||||||||||||||
Activities 1/ |
Item |
Quantity |
Unit Price |
Total Cost |
Cash |
Credit |
# of Workers |
Wage Rate |
# of Days |
Total Cost |
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
10 |
11 |
12 |
Notes:
1/ List all activities chronologically from production up to harvesting/post-harvest
2/ List all inputs required such as seedings fertilizers, pesticides or stocks/chicks, feed and chemicals.
3/ Check if such will be obtained on credit (to be deducted from sales) or to be bought in cash.
4/ For tend description, please state whether low-land irrigated, non-irrigated/rainfed or upland.
Equipment, facilities and tools which can be used for more than one production cycle. | ||
A. Existing |
B. To be bought / constructed |
C. Can be obtained on credit |
1 Item. |
1. Item |
1. Item: |
Life: |
Life: |
Life: |
Cost: |
Cost: |
Cost: |
2. Item: |
2. Item: |
2. Item: |
Life: |
Life: |
Life: |
Cost: |
Cost: |
Cost: |
3 Item: |
3. Item: |
3. Item: |
Life: |
Life: |
Life: |
Cost: |
Cost: |
Cost: |
B. Marketing Aspects
1. Where will you sell your produce (location)?
2. To whom will you sell (specify name of company and address):
3. What is/are their buying price(s) and your expected volume to be sold? (If buyer requires specific quality, state the pricing per quality specification and estimated volume per quality).
Quality Category |
Unit Price |
Expected Volume to be sold |
1 |
||
2 |
||
4 |
||
TOTAL |
4. Have you sold to this buyer before? ----- If yes, what was the previous pricing and
volume sold? ----- Since when? -----. Do you know of persons in the village who have sold to this buyer before persons in the village who have sold to this buyer before (Please name them): -----
5. Do you expect changes in the pricing you stated in #3 within the year? ----- If yes, what price changes do you expect? -----
6. What additional costs will you incur in selling and delivering your produce to your buyer? (e.g. sacks, transport, etc.)
Items ____________________ |
Amount ________________________ |
7. Do you know of alternative buyers? If yes, please list them, their location and buying prices.
Buyer __________________ |
Location/Address ____________________________________ |
Price ________________ |
C Organization and Management
1. If household-managed
a. From your family, including yourself, who will be involved and what will be their role(s)/tasks?
Family Member _____________ |
Tasks / Responsibilities ___________________ |
b. Do you intend to keep financial records? ----- Does your assigned accountant/bookkeeper know how to prepare cash book? ----- If no, when does your group wish to be trained? c. How often do you plan to meet as a group to monitor/evaluate the project? d. Do you intend to deposit cash balances in the bank? If yes, who are the signatories? If no, who will keep the cash?
2. If group managed
a. Who are the group members involved in the project and what are their responsibilities?
Name of Member ____________________________ |
Tasks / Responsibilities ______________________________________ |
b. Do you intend to keep financial records? ----- Does your assigned accountant/bookkeeper know how to prepare cash book? ----- If no, when does your group wish to be trained?
c. How often do you plan to meet as a group to monitor/evaluate the project? -----
d. Do you intend to deposit cash balances in the bank? If yes, who are the signatories? If no, who will keep the cash? -----
D. Financial Aspects
1. Investment Plan Please fill up the following format.
Cost |
Total |
Own |
Other 1/ |
Group |
Items |
Amount |
Savings |
Borrowings |
Loan |
A. Fixes assets (Eqpt., Facilities, Tools) |
||||
B. Production Costs 2/ Inputs: |
||||
Inputs: |
||||
Hired Labor |
||||
Use of facilities: |
||||
C. Other Costs 2/ |
||||
Total |
Note:
1) Other borrowings refer to loans acquired from friends, relatives, group fund.
2) Include only items to be bought on cash. Exclude those obtained on credit (that can be deducted from sale proceeds). Costs reflected here should be those needed for one cycle.
3) Expenses are those expenses incurred in selling and delivery, tax, etc.
3. Projected Income Statement. Please accomplish the projected Income Statement Form per crop/livestock.
Projected Income Statement | |||
Crop/Livestock : | |||
First Cycle |
One Year | ||
Gross Sales (*1) |
|||
Other Income |
|||
Total Income |
|||
Less: Production Costs (*2) |
|||
Materials |
|||
Hired Labor |
|||
Use of Facilities |
|||
Total Production Costs |
|||
Gross Profit |
|||
Less: Other Expenses |
|||
Net Cash Income |
|||
Less: Depreciation (*3) |
|||
Interest on loans |
|||
Net Profit |
Note:
1 ) To compute gross sales
a) If only 1 quality requirement: Sales = Volume x Selling Price
b) If more then 1 quality required:
Quality A: Sales (A) = Volume (A) x Price (A)
Quality B: Sales (B) = Volume (B) x Price (B)
Quality C: Sales (C) = Volume (C) x Price (C)
Sales (Total) = Sales (A) + Sales (B) + Sales (C)
2) Include all costs including those items obtained on credit.
3) Depreciation/year = Cost of Equipment/Tool/Facility / Life years
For depreciation/cycle = depreciation/year / no. of cycles/year
Break - Even Levels
a. Break - Even Price = -----
b. Break - Even Volume = -----
3. Projected Cash Flow: Please compute using format below
Cash Flow Projection
Cash In |
Cash Out |
Balance | |||
Item ( beginning cash, loans, sales, others inflows) |
Amount |
Item (expenses, other outflows) |
Amount |
Amount |
Date |
Ending Cash |
|||||
Balance before |
|||||
Loan Amortization |
|||||
Loan Amortization |
|||||
Ending Cash Balace |
4. Loan Payment Plan
a. For the other borrowings, what are the terms of the loan(s)? (interest, maturity, frequency of payment):
b. For the P28 loan, what is your plan of payment?
Schedule |
Months |
Source and Amount | |
Project |
Other Income | ||
First 3 months |
|||
4th to 6th month |
|||
7th to 9th month |
|||
10th to 12th month |
c. If you have other sources of household income, please specify:
Source of Income |
Amount of Earnings |
Month Earned* |
* Please state the time (months) when you expect to get such earnings/income. |
Submitted by:
(Signature Over Name of Borrower)
(Date)
Borrower:________________
Loan Application:_________
Date Received:___________
A. Marketing Aspects
1. What product(s) you intend to sell? -----
2. Please describe your target market and marketing strategy. -----
2.1 . If you don't have definite buyer(s)
a. Where will you sell (location of sales outlets)?
b. What is your estimated number of household in these target villages? ----- What
percentage of these do you expect will buy your product? ----- What do you think will be average quantity and frequency of one typical buyer?
c. Are these existing businesses similar to yours (selling the same product) operating in your target areas? ----- If yes, what is your estimate percentage of people from these areas that buy from them? ----- Are these people satisfied with them? ----- Why or why not? -----
d. What are the features that will make your product(s) more attractive that these existing businesses? -----
e. What will be the pricing of your product(s)? -----
Product/Quality _____________ |
Price _____ |
f.. How will you sell/distribute your product(s) ? -----
g. What will be the costs of selling/distribution? -----
Cost Item ________ |
Amount ______ |
h. How will your product(s) be known to your target market? Will there be costs involved? ----- How much?
2.2 If you have identified definite buyer(s)
a. To whom will you sell? (State name of Company/person and address): -----
b. What is/are their buying price(s) and quality specifications? -----
Quality ______ |
Categories Price ______________ |
c. Have you sold to this buyer before? ----- If yes, what was the previous pricing and volume sold? ----- Do you know of persons who have sold to this buyer? (please name them):
d. Do you expect changes in the pricing you stated in (b) within this year? If yes, what changes? -----
e. What additional costs will you incur in delivering/transporting the produce to your buyer?
Cost Item ________ |
Amount ______ |
f. Do you know of alternative buyers? ----- If yes please list them below:
Buyer _____ |
Location/Address ______________ |
Buying Price ___________ |
3. Please indicate below your sales projections/plan.
a. Frequency of selling/delivery, please check:
daily |
monthly |
others, please specify: |
b. Sales Plan
Sales Volume Per Delivery 1/(1 ) |
No. of Delivery/ Selling 2/(2) |
Total Volume 3/(3) |
Unit Price(4) |
Total Sales 4/(5) | ||||
Per |
Per |
Per |
Per |
Per |
Per | |||
Mo. |
Yr. |
Mo. |
Yr. |
Mo. |
Yr. | |||
Peak Season |
||||||||
Lean Season |
||||||||
Normal |
Note:
1 ) State volume to be sold per delivery or selling cycle.
2) Fill up applicable box.. If selling/delivery is daily, fill-up both per month and per year.
3) Total Volume = ( 1 ) x (2)
4) Total Sales = (3) x (4)
B. Production Aspects
1. Do you have skills in processing ? ------ If yes, how did you learn them? ------ If no how and when will you acquire the skills?
2. What are the machineries, equipment, tools you need in the project? Please list, and state capacity, cost, life-years, and after sales service to be provided by manufacturer.
Equipment/ Machine |
Capacity |
Cost |
Life-years |
After-Sales Service |
1. |
||||
2. |
||||
3. |
3. Where will your "factory"/project be located? -------
4. What basic raw materials are needed?
5. What minimum volume/quantity you plan to buy the above? ------- At what price? Total cost: -------
6. What is your estimated total volume of finished product that can be produced from the above quantity? -------
7. How much volume of finished product can you produce per day? -------
8. How much volume of finished product can you produce per day? -------
9. How much volume of finished product you plan to do per month? -------
10. Please list all other raw materials, supplies, labor and cost requirements needed to produce #5.
Item |
Quantity |
Unit Price/ Wage Rate |
Total Cost |
A. Other |
|||
Raw Material |
|||
B. Hired Labor |
11. Please compute unit production cost
a. Total direct production cost:
Basic Raw Materials Cost 1/ :
Other Raw Materials Cost 2/ :
Hired Labor Cost 2/ :
= Total direct production cost :
Note: |
1 / from # 5 |
2/ from # 10 |
b. Production volume stated in #6.
c. Unit Production Cost:
Note: Unit direct production cost = Production cost / Production volume
12. Please list all other costs (overhead costs) that may incurred in the production activities (e.g. electric bills, repairs, etc).
Cost Items |
Cost / month |
C Organization and Management
1. If household-managed
a. From your family, including yourself, who will be involved and what will be their role(s)/tasks?
Family Member |
Roles / Tasks |
b. Do you intend to keep financial records for the project? ------- Do know how to prepare cash book? ------- If no, when does your group wish to be trained? -------
2. If group managed
a. Who are the group members involved in the project and what are their tasks and responsibilities?
Name of Member |
Tasks / Responsibilities |
b. Do you intend to keep financial records? ------- Does your assigned accountant/
bookkeeper know how to prepare cash book? ------- If no, when does your group wish to be trained?
c. How often do you plan to meet as a group to monitor/evaluate the project? -------
d. Do you intend to deposit cash balances in the bank? ------- If yes, who are the signatories? ------- If no, who will keep the cash? -------
D. Financial Aspects
1. Investment Plan Please fill up the following format.
Cost |
Total |
Own |
Other 1/ |
Group |
Items |
Amount |
Savings |
Borrowings |
Loan |
A. Fixes assets (Eqpt., Facilities. Tools) |
||||
B. Working Capital 2/ |
||||
Raw Materials: |
||||
Hired Labor: |
||||
Use of facilities |
||||
C. Other Expenses 3/ |
Note:
1/ Refers to loans from friends' relatives, etc.
2/ Obtained from Part B # 10 and # 12.
3/ Refers to costs of selling for first delivery (ies) / or first month.
2. Projected Income Statement. Please compute projected income using the format below.
Projected Income Statement | ||
Product: | ||
Gross Sales |
First Cycle |
One Year |
Other Income |
||
Total Income |
||
Less: Cost of Goods Sold |
||
Raw Materials |
||
Hired Labor |
||
Use of Facilities |
||
Total Cost of Goods Sold |
||
Gross Profit |
||
Less: Other Expenses |
||
Net Cash Income |
||
Less: Depreciation |
||
Interest on loans |
||
Net Profit |
Note: (To be computed by the Project Staff)
a. Break-Even Price =
b. Break-Even Volume =
3. Projected Cash Flow: Please compute using format below
Cash Flow Projection
Cash In |
Cash Out |
Balance | |||
Item (beginning cash, loans, sales, |
Amount |
Item (expenses, other ourtflows) |
Amount |
Amount |
Date |
Ending Cash |
|||||
Balance before |
|||||
Loan Amortization |
|||||
Less: |
|||||
Loan Amortization |
|||||
Ending Cash Balace |
4. Loan Payment Plan
a. For the other borrowings, what are the terms of the loan(s)? (interest, maturity, amortization): ----
b. For group loan, what is your plan of payment?
Schedule |
Months |
Source and Amount | |
Project |
Other Income | ||
First payment |
|||
Second payment |
|||
Third payment |
|||
Fourth payment |
c. If you have other sources income, please specify:
Source of Income |
Amount of Earnings |
Month Earned |
Submitted by:
(Signature Over Name of Borrower)
(Date)
Borrower:___________
Loan Application:_____
Date Received:_______
A. Marketing Aspects
1. Where is the location of your business or where do you plan to sell? ----
2. Are there existing traders/similar business in your target areas? ---- If yes, are the people satisfied with their business? ---- Why or why not? ----
3. What are the features of your business that will make you more attractive to them? ----
4. Please list the goods you plan to sell, expected turn-over rates and your planned gross margin, using the format below:
Goods |
Quantity |
Turn-over 1/ Expected |
Margin 2/ |
Remarks 3/ |
Note:
1/ Expected duration quantity of goods will be sold, in no. of days.
2/ Difference between wholesale buying price and your selling price.
3/ State reasons or basis of decisions.
5. Please prepare your inventory and sales plan good for one cash cycle by using the form at below.
Cash Cycle: ---- (state whether one month, one week, or 1 day)
Goods |
Quantity Cycle |
Unit Buying Price |
Unit Selling Price |
Gross Sales 1/ |
Note: 1/ Sales = Quantity x Selling Price
6. What were/was your basis for coming-up with the above pricing? -------
7. What are the equipment, tools or facilities you need to buy or construct? Please list them including cost and life years.
Existing |
To Bought | ||||
Item |
Life Years |
Cost |
Item |
Life Years |
Cost |
8. What other costs will be entailed in your project (e.g. transportation, water, taxes)? Please list them.
Item ____ |
Cost ____ |
B. Organization and Management
1. If household-managed
a. From your family, including yourself, who will be involved and what will be their role(s)/tasks?
Family Member |
Roles / Tasks |
b. Do you intend to keep financial records for the project? ------- Do know how to prepare cash book? ------- If no, when does your group wish to be trained? ---
2. If group managed
a. Who are the group members involved in the project and what are their tasks and responsibilities?
Name of Member |
Tasks |
b. Do you intend to keep financial records? ------- Does your assigned accountant/ bookkeeper know how to prepare cash book? ------- If no, when does your group wish to be trained?
c. How often do you plan to meet as a group to monitor/evaluate the project? -------
d. Do you intend to deposit cash balances in the bank? ------- If yes, who are
the signatories? -------
If no, who will keep the cash? -------
C. Financial Aspects
1 . Investment Plan Please fill up the following format.
Cost |
Total |
Own |
Other |
Group |
Items |
Amount |
Savings |
Borrowings |
Loan |
A. Fixes assets (Eqpt., Facilities, Tools) |
||||
B. Working Capital |
||||
Goods Purchased: |
||||
Hired Labor: |
||||
Use of facilities: |
||||
C. Other Expenses |
||||
Total |
2. Projected Income Statement. If cycle is one month or less, please compute income statement for one month. If cycle is more than a month, please compute for one year. Use the format below.
Projected Income Statement | ||
Goods | ||
Product: | ||
Gross Sales |
Period |
One Year |
Other Income |
||
Total Income |
||
Less: Cost of Goods Sold |
||
Raw Materials |
||
Hired Labor |
||
Use of Facilities |
||
Total Cost of Goods Sold |
||
Gross Profit |
||
Less: Other Expenses |
||
Net Cash Income |
||
Less: Depreciation |
||
Interest on loans |
||
Net Profit |
3. Projected Cash Flow: If there are anticipated monthly sale fluctuations (i.e. seasonality) within the year, please compute for a one year cash flow projection.
Cash Flow Projection
Cash In |
Cash Out |
Balance | |||
Item (beginning cash, loans, sales, |
Amount |
Item (expenses, other ourtflows) |
Amount |
Amount |
Date |
Ending Cash |
|||||
Balance before |
|||||
Loan Amortization |
|||||
Less: |
|||||
Loan Amortization |
|||||
Ending Cash Balace |
4. Loan Payment Plan
a. For the other borrowings, what are the terms of the loan(s)? (interest, maturity, amortization):
b. For group loan, what is your plan of payment?
Schedule |
Months |
Source and Amount | |
Project |
Other Income | ||
First payment |
|||
Second payment |
|||
Third payment |
|||
Fourth payment |
c. If you have other sources income, please specify:
Source of Income |
Amount of Earnings |
Month Earned |
Submitted by:
(Signature Over Name of Borrower)
(Date)
Borrower:_______________
Loan Application:_________
Date Received:__________
A. Marketing Aspects
1. Where will your business be located? -------
2. Are there existing businesses which offer similar services? ------- Are people satisfied with the service? ------- Why or why not? -------
3. What are your planned services/products? -------
4. What will make your business/service different from the others? -------
5. How would you price your service/products ? Please list.
Type of Service _____________ |
Pricing ______ |
How is/are the above pricing differ from others (competitors)? -------
6. How will your business/service be known by your target customers? -------
7. Please indicate your sales projections. Consider seasonalities (peak, lean, normal seasons). Use the format on sales projection.
B. Product Aspects
1. What are the raw materials, labor requirements and costs involved in your business? Please list all cost items needed for one cycle (one month).
Item |
Quantity |
Cost |
Project:
Sales Projection
Sales Forecast |
Total Sales (A + B + C) | |||||||||||||
A. Peaks Season |
B. Lean Season |
C. Normal Season |
||||||||||||
Item |
Pricing |
Per Day |
Per Month |
No. of Months |
Total Sales |
Per Day |
Per Month |
Per Months |
No. of Months |
Total Sales |
Per Day |
Per Month |
Total Sales |
|
2. What are the equipment. facilities' tools you need to purchase for the business? Please list and indicate cost and life years.
Item ____ |
Cost ____ |
Life-years ________ |
C. Organization and Management
1. If household-managed
a. From your family, including yourself. who will be involved and what will be their role(s)/tasks?
Family Member _____________ |
Roles /Tasks ___________ |
b. Do you intend to keep financial records for the project? --- Do know how to prepare cash boor;? --- If no. when does your group wish to be trained? ---
2. If group managed
a. Who are the group members involved in the project and what are their tasks and responsibilities'?
Name of Member ______________ |
Tasks _____ |
b. Do you intend to keep financial records? --- Does your assigned accountant/ bookkeeper know how to prepare cash book? --- If no' when does your group wish to be trained?
c. How often do you plan to meet as a group to monitor/evaluate the project? ---
d. Do you intend to deposit cash balances in the bank? --- If yes, who are the signatories?
If no, who will keep the cash? ---
D. Financial Aspects
1. Investment Plan Please fill up the following format.
Cost |
Total |
Own |
Other |
Group |
items |
Amount |
Savings |
Borrowings |
Loan |
A. Fixes assets (Eqpt.. Facilities, Tools) |
||||
B. Working Capital 11 |
||||
Raw Materials: |
||||
Hired Labor: |
||||
Use of facilities: |
||||
C. Other Expenses |
||||
Total |
Note: 1/ For working Capital needed for first cycle, please refer to Part B # I.
2. Projected Income Statement. Please use the format below.
Projected Income Statement | ||
Service: | ||
Period: | ||
Gross Sales |
Period |
One Year |
Other Income |
||
Total Income |
||
Less: Cost of Goods Sold |
||
Raw Materials |
||
Hired Labor |
||
Use of Facilities |
||
Total Cost of Goods Sold |
||
Gross Profit |
||
Less: Other Expenses |
||
Net Cash Income |
||
Less: Depreciation |
||
Interest on loans |
||
Net Profit |
3. Projected Cash Flow: Please compute using format below.
Cash Flow Projection
Cash In |
Cash Out |
Balance | |||
Item (beginning cash, loans, sales, |
Amount |
Item (expenses, other ourtflows) |
Amount |
Amount |
Date |
Ending Cash |
|||||
Balance before |
|||||
Loan Amortization |
|||||
Less: |
|||||
Loan Amortization |
|||||
Ending Cash Balace |
4. Plan of Payment
a. What are the teens of other borrowings? ----
b. For the group loan, what is your plan of payment? ----
Schedule |
Months |
Source and Amount | |
Project |
Other Income | ||
First payment |
|||
Second payment |
|||
Third payment |
|||
Fourth payment |
c. If you have other sources income, please specify:
Source of Income |
Amount of Earnings |
Month Earned |
Submitted by:
(Signature Over Name of Borrower)
(Date)
(Part 1 Member's Passbook)
Name:________
Date |
Amount Deposit |
Cumulative Balance |
Signature Group Treasurer |
Group Seal |
Note 1: Each member holds this record as evidence of her savings in the gro
Note 2: The group treasurer signs after each deposit
Name Wang Jing
Total Number of Loans from start of group until starting date of this record: |
3 |
Total Amount of Loans from start of group until starting date of this record: |
1300 rmb |
Repayment schedule |
Repayment Performance |
|||||||||||||
Loan no |
Purpose Loan |
Date Loan |
Amount of Loan |
Installment No |
Date |
Amount |
Amount Interest |
Date |
Amount |
Amount Interest |
Amount Penalty |
Balance Over due |
Date |
Signature |
4 |
Pig raising |
94/6/1 |
500 |
1 |
94/7/1 |
100 |
5 |
94/7/31 |
100 |
5 |
94/7/31 |
|||
1 |
2 |
94/8/1 |
100 |
5 |
94/8/15 |
100 |
5 |
5 |
94/8/15 |
|||||
1 |
3 |
94/9/1 |
100 |
5 |
94/9/1 |
100 |
5 |
94/913 |
||||||
4 |
94/10/1 |
100 |
5 |
94/10/1 |
200 |
5 |
94/10/3 |
|||||||
5 |
94/11/1 |
100 |
5 |
|||||||||||
5 |
Garment |
95/1/2 |
1000 |
1 |
95/3/2 |
500 |
10 |
95/4/2 |
500 |
10 |
50 |
|||
Trade |
2 |
95/4/2 |
500 |
10 |
500 |
95/6/1 |
||||||||
5 |
Total |
2800 |
500 |
Name Group:_____
Name |
Total savings at* beginning this year |
Year:__________Month |
Total savings this year |
Total savings since start group |
Signature Treasure | |||||||||||
Member |
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
10 |
11 |
12 |
r | |||
Total |
*Total savings at the beginning of this year is the total savings from the start of the group until the beginning of this record
Note that this is the Cumulative Balance of the Individual Savings Record
Name group:
Total Number of Loans to members from start of group until starting date of this record:______
Total Amount of Loans to members from start of the group until starting date of this record:_____
Date |
Loan No* |
Name Member |
Purpose Loan |
Amount Loan |
Duration Loan (months) |
Monthly Interest (%) |
Remarks | |
Code** |
Description |
|||||||
*For example, if until now 21 loans have been granted to members, start on this record with number 22
**Codes for purpose of loan:
1 = production type of enterprise |
description e.g - silk worm raising, sheep raising, cotton planting, vegetable growi |
2 = processing type of enterprise |
description e.g.: mat weaving, starch or oil processing, bakery |
3 = trading type of enterprise |
description e.g.: buy/sell wallnuts, buy/sell garments |
4 = service type of enterprise |
description e g: restaurant, hairdressing, transportation, dancing hall |
Background Information
On February 20, 1995, the group approved loans to 2 members, to Song Jing and to Wang Jin Hua with the following terms:
Song Jing borrows 300 rmb and has to repay: | |||
on April |
150 rmb with 6 rmb interest |
Actually, she repays 300 rmb on May 1 with 12 rmb interest | |
on May |
150 rmb with 6 rmb interest |
and 15 rmb penalty | |
Wang Jin Hua borrows 500 rmb and has to re |
on May |
500 rmb with 20 rmb interest |
Actually, she repays only 400 rmb on May 1 with 20 rmb interest |
GF3 Group Repayment Record (Sample)
Name Group:___________Date: 20 April 1995
For the Month: 1995, April
Payments due in this month |
Payments made |
|||||||||
Name Member |
Installment No |
Day |
Amount |
Amount Interest |
Date |
Amount |
Amount Interest |
Amount Penalty |
Balance Over due |
Remarks (reason default, action taken) |
Song Jing |
1 |
1 |
150 |
6 |
150 |
|||||
Notes: This is the report of the repayments due in April meeting. Balance Overdue is 150mb.
GF3 Group Repayment Record (Sample)
Name Group:___________Date: 20 May 1995
For the Month: 1995, April
Payments due in this month |
Payments made |
|||||||||
Name Member |
Installment No |
Day |
Amount |
Amount Interest |
Date |
Amount |
Amount Interest |
Amount Penalty |
Balance Over due |
Remarks (reason default, action taken) |
Song Jing |
2 |
1 |
150 |
6 |
5/1 |
150 |
6 |
15 |
||
Notes: This is the report of the repayments due in April as reported in the May meeting. No more Balance Overdue
GF3 Group Repayment Record (Sample)
Name Group:___________Date: 20 May 1995
For the Month: 1995, May
Payments due in this month |
Payments made |
|||||||||
Name Member |
Installment No |
Day |
Amount |
Amount Interest |
Date |
Amount |
Amount Interest |
Amount Penalty |
Balance Over due |
Remarks (reason default, action taken) |
Song Jing |
1 |
1 |
150 |
6 |
5/1 |
150 |
6 |
15 |
||
Wang Jin Hu |
1 |
1 |
500 |
20 |
5/2 |
400 |
20 |
100 |
Notes: This is the report of the repayments due in May as reported in the May meeting. Balance overdue is 100mb
Name Group:_______
Beginning Balance (Cash Status) |
Amount: |
Cash In |
Cash Out |
Remaining Balance |
|||
Item |
Amount |
Item |
Amount |
Amount |
Date |
The Remaining Balance shows how much cash is available for loans to members
GF4 Group Cash Record (Sample)
Name Group:_______
Beginning Balance (Cash Status) |
Amount: |
Cash In |
Cash Out |
Remaining Balance |
|||
Item |
Amount |
Item |
Amount |
Amount |
Date |
Savings January |
200 |
200 |
1/10 | ||
Savings February |
200 |
400 |
2/10 | ||
Loans to 2 members |
350 |
50 |
2/15 | ||
Savings March |
200 |
250 |
3/10 | ||
Subscription women's magazine |
50 |
200 |
3/11 | ||
Savings April |
200 |
450 |
4/10 | ||
Loan Repayments |
350 |
800 |
4/15 | ||
Interest Payments |
14 |
814 |
4/15 | ||
Loans to 4 members |
750 |
64 |
4/20 | ||
Savings May |
200 |
264 |
5/10 | ||
Note that the remaining balance shows how much cash is available for loans to members, e.g. in the May meeting there is 264 rmb available
(for quarterly submission to county project office)
Name Group:______ |
Signature Group Treasurer:_____ |
Number of members:_____ |
Signature Group Accountant:____ |
Date Statement:_____ |
Signature Group Auditor:_____ |
Period Statement (quarterly): month _ to month _ |
Item |
Status at beginning of statement period |
Status at end of statement period |
Change |
Explanation |
1. Remaining Balance RF Loan |
||||
2. Average Savings/member/month |
||||
3. Total Savings |
||||
4. Total Number of Loans to Members |
||||
5 Total Amount of Loans to Members |
||||
6. Total Balance Overdue of Loans |
||||
7. Cash Balance |
||||
8. Balance Bank Account |
Explanation: |
|
Use Group Savings Record (GF1) for Item 3: |
Average Savings per member per month |
Total Savings | |
Use Group Loan Record (GF2) for Item 4 and 5: |
Total Number of Loans to Members |
Total Amount of Loans to Members | |
Use Group Repayment Record (GF3) for Item 6: |
Total Balance Overdue |
Use Group Cash Record (GF4) for Item 7: |
Cash Balance |
For the Year_______ |
|
Name of Group:_______ |
Frequency: Once a Year |
Date Submitted: | |
Township:__________ |
Prepared by:_______ |
Year group was formed |
199 |
1. Number of members |
|
2. Date group received RF loan |
|
3. Total amount of RF loan |
|
4. Total balance of RF loan at reporting date (total received minus repayments) |
|
5. Total amount of savings since start group (from GF1, GF5) |
|
6. Average savings per member in reporting year (from GF1) |
|
7. No. of loans in reporting year (from GF2, GF5) |
|
8. Total amount of loans in reporting year (from GF2, GF5) |
|
9. Interest rate of loans in % per month (from GF2) |
|
10. Total no. of loans since start of the group (from GF2, GF5) |
|
11. Total amount of loans since start of the group (from GF2, GF5) |
|
12. Total Balance overdue at reporting date (from GF3, GF5) |
|
13. Total Cash Balance at reporting date (from GF4, GF5) |
|
14. Balance Bank Account at reporting date (from GF5) |
Name of Group:_____________ |
Frequency: Once a Year |
Year Group was formed:______ |
|
Township:__________________ |
Prepared by:_______ |
Total contribution to household income (rmb per year)* |
||||
Name Member |
Before joining the group |
At present |
Change |
Signature Member |
*This is the total of the Net Profit of all enterprises the member undertakes by herself Remarks:
For the Year______ | |
Frequency: Once a Year | |
County:________ |
Date Submitted:______ |
Prepared by:________ |
Year group was formed |
199 |
199 |
199 |
199 |
199 |
199 |
Total |
1. Number of Groups |
|||||||
2 Number of members |
|||||||
3. Total balance of RF loans at reporting date |
|||||||
4. Total amount of savings since start groups |
|||||||
5. Average savings per member in reporting year |
|||||||
6. No. of loans in reporting year |
|||||||
7. Total amount of loans in reporting year |
|||||||
8. Interest rate of loans in % per month |
|||||||
9. Total no. of loans since start of the groups |
|||||||
10 Total amount of loans since start of the groups |
|||||||
11. Total Balance overdue at reporting date |
|||||||
12. Total Cash Balance at reporting date |
|||||||
13. Balance Bank Account at reporting date |
|||||||
14. Estimated Income change |
For the year_______ |
||
of Group:__________ |
Frequency: |
Once a year |
up was formed:_______ |
Date Submitted: |
_______ |
Number of Members:_______ |
Prepared by: |
_____ |
Description |
New? |
No. of Loans |
Description |
New? |
No. of Loans |
Description |
New ? |
No. of Loans |
Description |
New? |
No. of Loans |
Production |
Processing |
Trade |
Service |
||||||||
Explanation:
production type of enterprise |
description e.g.: silk worm raising, sheep raising, cotton planting, vegetable growing |
processing type of enterprise |
description e.g.: mat weaving, starch or oil processing, bakery |
trading type of enterprise |
description e 9: buy/sell wallnuts, buy/sell garments |
service type of enterprise |
description e.g.: restaurant, hairdressing, transportation, dancing hall over engaged in this type of enterprise, put x in the column "New?" |
contains the information needed to fill in this form.
For the year_______ | |
Frequency: Once a year | |
Date Submitted:_______ | |
Township:____________ |
Prepared by:__________ |
Year Group was Formed |
Total Number of Groups |
Total Number o Members |
Purpose of Loan |
Listing of New Types of Enterprise | |||
Production No. of loans |
Processing No. loans |
Trade No. loans |
Service No. loans |
||||
199 |
|||||||
199 |
|||||||
199 |
|||||||
199 |
|||||||
199 |
|||||||
199 |
|||||||
Total |
For the year____________ | |
Frequency: Once a year | |
Date Submitted:________ | |
County:__________ |
Prepared by:_________ |
Purpose of Loan |
Listing of New Types of Enterprise | ||||||||||
Production |
Processing |
Trade |
Service |
||||||||
Year Group was Formed |
Number of Groups |
Number of Members |
No. of loans |
% of loans |
No. of loans |
% of loans |
No. of loans |
% of loans |
No. of loans |
% of loans |
|
199 |
|||||||||||
199 |
|||||||||||
199 |
|||||||||||
199 |
|||||||||||
199 |
|||||||||||
199 |
|||||||||||
Total |
Groups apply for project revolving fund loan by submitting the following documentation to the township project office:
Group Application Form.
part 1: Application Summary
part 2. Allocation of Loans to members
part 3. Summary of Purpose of Loans
part 4 Areas for Improvement
Attachments to Group Application Form:
Individual Loan Application
Individual Business Plan or Basic Information
Draft Loan Agreement (for loans to group members)
Township project office/leading group prepares and submits to the county project office:
Township Evaluation Report on Group Loan Application
Attachments to Township Evaluation Report.
Draft Loan Agreement (for loans to women's groups)
Complete Documentation of Group Application
County project office prepares and submits to the county Governing Body:
Evaluation Report on Loan Applications
Attachments to Evaluation Report.
Summary of Applications for Approval Governing Body
Summary of Purpose of Loans
Draft Loan Agreements per group for township)
Township Evaluation Reports
1. Name of Group:______________________________
2. Address:____________________________________
3. Number of Members:__________________________
4. Monthly Savings per Member:__________________
5. Total Savings at date:__________________________
6. Total Amount Group Loan Application:___________
(To be used as specified in part 2 of this statement)
7. Payment Schedule
Year/Month |
Loan Repayment |
Social Development Fund |
xxx |
||
xxx | ||
Our group meets the qualifying criteria for project loans to women's groups, because:
- all members have undergone training group formation
- all members have undertaken monthly savings for 6 months
- our group has established a proper book keeping and financial management system
- our group has elected officers with designated officers
- our group conducts monthly meetings and makes decisions democratically
- each applicant has submitted a business plan
- our group has reviewed the loan applications carefully
On behalf of all members, the signatories of this application certify that the above information is true and that the group accepts full liability for repayment of the loan.
Signatories: |
Date:__________ |
(Group president) |
(Group Treasurer) |
(President Loan Committee) |
The total amount of the Group Loan will be disbursed to the members according to the following specification.
Name Member |
Amount at Loan (rmb) |
Duration of Loan (months) |
Monthly Interest (%) |
Type of* business |
Purpose** of Loan |
*Indicate the type of business: production, processing, trade or service
**Specify the kind of business: pig raising, vegetable production, beancurd processing, garments, grocer v shop. hair dressing, transportation
Summary of Purpose of Loans
Total No of Members
Description |
No of members |
% of members |
Description |
No of members |
% of members |
Description |
No of members |
% of members |
Description |
No of members |
% of members |
Production |
Processing |
Trade |
Services |
||||||||
Areas for improvement
Our group has identified the following priority areas for improvement (describe what is needed, why it is needed and give suggestions on how it can be arranged: by the group themselves, with assistance from other villagers, the project, bureau, etc.)
Technical skills training:
------------------------------------------------------------------------------------
Technical advisory services:
------------------------------------------------------------------------------------
Market Information:
------------------------------------------------------------------------------------
Entrepreneurial skills:
------------------------------------------------------------------------------------
Other:
------------------------------------------------------------------------------------
1. Name of Applicant: _______________________________________
2. Address: _______________________________________________
3. Type of business: ________________________________________
4. Monthly savings: _________________________________________
5. Total amount of savings: __________________________________
6. Purpose of Loan: _________________________________________
7. Amount of Loan Application:________________________________
8. Repayment Schedule
Year/Month |
Amount of Loan Repayment |
Amount of Interest |
I pledge to use the loan in accordance with the attached planning for my business and the principle of self reliance. I accept full liability for repayment of the loan to the group.
Date:_________ |
Signature:_______ |
Attachments: Complete Business Plan or Basic Plans for Investment Production, Marketing and Management
The president and treasurer, representing women's group__________________(name), hereafter called Party A, and group member________________(name), hereafter called Party B. agree to the following.
1. Party A shall provide a loan in the amount of ____________ rmb to Party B on (year)______, (month), ________, (day) ________ .
2. Party B shall use the loan solely for the purpose stated in the Loan Application and its attachment.
3. Party B shall repay the loan with interest according to the schedule below. In case of default a penalty of 10 % per month of delay will be charged.
4. Party B shall submit an Income Statement to Party A after the first production cycle.
5. _________________(any other agreements? ea. guarantor, collateral, etc.)
Repayment Schedule
Year/Month |
Amount of Loan Repayment |
Amount of Interest |
Party A: |
Party B: |
_______________ |
_________________ |
(Group President) |
(Applicant Group Member) |
_________________ |
|
(Group Treasurer) |
|
Date:________________ |
1. Assessment of Croup Application
(Include comments on group performance, decision making and management skills, commitment, individual skills, type of business, viability of proposed enterprises, contribution to achieving the project goals regarding self-reliance and improved status, etc.)
2. Decisions on Follow Through Assistance
(Based on worksheet 2 and 3, and the Group Application Form Page 3 and 4, list the weaknesses and constraints and the action that will be taken by the township/village to address these limitations. Identify areas which require attention of the Governing Body. The headings below cover the most common needs for assistance.)
· Training needs (technical skills, entrepreneurial skills)
· Technical advisory services
· Marketing and other external constraints
· Other
3. Specification Loan Agreement
(Explain the contents of the Loan Agreement, ea. guarantee arrangements)
Date:_________ |
Signature__________ |
(Township Governor) |
The County (Township) ______________ Governor (name), hereafter called Party A. and the president and treasurer representing women's group _______________ (name) in (township, village), hereafter called Party B, agree to the following.
1. Party A shall provide a loan in the amount of ___________ rmb to Party B on (year) _____ ,(month), ________ (day) ________ .
2. Party B shall use the loan solely for loans to its members for the purposes stated in the Group Loan Application and its attachments.
3. Party B shall repay the loan and the contribution to the Social Development Fund according to the schedule below.
4. Party B shall submit the required quarterly reports on its financial status to the project office.
Payment Schedule
Year/Month |
Loan Repayment |
Social Development Fund |
xxx |
||
xxx | ||
Party A: |
Party B: |
(County or Township Governor) |
(Group President) |
(Group Treasurer) |
Date: |
Annexes: |
1. Introduction of proposed approvals
(Refer to planning of number of groups and women to avail of repayments, the attached summaries of applications and purpose of loans to introduce the proposals for approval.)
2. Summary of Township Evaluation Report;
2a. Assessment of Applications and Recommendation for approval
2b. Township commitments for follow through action
2c. Township suggestions for action Governing Body
3. Conclusions and Recommendations
The points listed below can serve as a check list for defining conclusions and recommendations of the report:
· Approval/disapproval and reasons
· Assessment township performance, action needed
· Action plan for training (technical and entrepreneurial skills)
· Action plan for provision of market information
· Recommendations for technical advisory services
· Recommendations for addressing external constraints
· Specific conditions of Loan Agreements
· Other
Date: |
Signature. |
(Head Project Office) |
Summary of Applications for Approval Governing Body
Date training group formation |
Savings |
Loan | |||||||||
Name Group |
No. of members |
First session |
Last session |
Starting date savings |
Recording date total savings |
Total amount savings |
Total application |
Proposed amount for approval |
Amount approved |
Approval date |
Disbursement date |
Summary of Purpose of Loans
Description |
No of members |
% of members |
Description |
No of members |
% of members |
Description |
No of members |
% of members |
Description |
No of members |
% of members |
Production |
Processing |
Trade |
Services |
||||||||
1. Evaluation of Topics and Activities
Rate usefulness for you work in the project: 1= not useful; 2= little use; 3= useful; 4= very useful
Rate the degree of satisfaction with content and methodology: 1 = not satisfied, 2= not completely satisfied; 3= completely satisfied
Please explain or make suggestions in the last column
Topic/Activity |
Usefulness |
Content |
Methodology |
Remarks | ||||||||||
Topic 1 Concept of Micro-Enterprise |
||||||||||||||
Activity 1: Defining Business |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
||||
Activity 2: Defining Micro-Enterprise |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
||||
Activity 3: Role of Micro-Enterprise in the WPD project |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
||||
Topic 2 Causes of Success or Failure of a Micro-Enterprise |
||||||||||||||
Activity 1: Business Cycle and Aspects |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
||||
Activity 2: Factors affecting the Success of a Business |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
||||
Topic 3 Role Identification in Micro-Enterprise Development |
||||||||||||||
Activity 1: Common Weaknesses and Constraints of Micro-Entrepreneurs |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
||||
Activity 2: Role of Project Officers in assisting Micro-Entrepreneurs |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
2. Evaluation of Workshop
Rate the degree of satisfaction with the workshop arrangements:
1 = not satisfied
2 = not completely satisfied
3 = completely satisfied
Please explain or make suggestions in the last column
Arrangement |
Rate |
Remarks | ||
Work room/facilities |
1 |
2 |
3 |
|
Seating arrangement |
1 |
2 |
3 |
|
Time schedule |
1 |
2 |
3 |
|
Clarity of objectives |
1 |
2 |
3 |
|
Variation of methodology |
1 |
2 |
3 |
|
Pace of training |
1 |
2 |
3 |
|
Training work book |
1 |
2 |
3 |
3. Suggestions to further improve the Training Activities
a. For facilitator:
b. For participants:
Name _________
Date ___________
1. Evaluation of Topics and Activities
Rate usefulness for you work in the project 1 = not useful; 2= little use; 3= useful; 4= very useful
Rate the degree of satisfaction with content and methodology 1 = not satisfied; 2= not completely satisfied; 3= completely satisfied
Please explain or make suggestions in the last column
Topic/Activity |
Usefulness |
Content |
Methodology |
Remarks | ||||||||||
Topic 1 Economic Principles and Indicators |
||||||||||||||
Activity 1: Introduction to business Planning |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
||||
Activity 2: Net Cash Income |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
||||
Activity 3: Net Profit |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
||||
Activity 4: Risk Analysis |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
||||
Activity 5: Cash flow |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
||||
Topic 2 Business Plan Preparation and Assessment |
||||||||||||||
Activity 1: Key Elements of a Business Plan |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
||||
Activity 2: Introduction of Tools for Business Planning |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
||||
Activity 3: Practicum Business Planning |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
2. Evaluation of Workshop Arrangements
Rate the degree of satisfaction with the workshop arrangements:
1 = not satisfied
2 = not completely satisfied
3 = completely satisfied
Please explain or make suggestions in the last column
Arrangement |
Rate |
Remarks | ||
Work room/facilities |
1 |
2 |
3 |
|
Seating arrangement |
1 |
2 |
3 |
|
Time schedule |
1 |
2 |
3 |
|
Clarity of objectives |
1 |
2 |
3 |
|
Variation of methodology |
1 |
2 |
3 |
|
Pace of training |
1 |
2 |
3 |
|
Training work book |
1 |
2 |
3 |
a. For facilitator:
b. For participants:
Name _________
Date ___________
1. Evaluation of Topics and Activities
Rate usefulness for you work in the project: 1= not useful; 2= little use; 3= useful; 4= very useful
Rate the degree of satisfaction with content and methodology: 1= not satisfied; 2= not completely satisfied; 3= completely satisfied
Please explain or make suggestions in the last column
Topic/Activity |
Usefulness |
Content |
Methodology |
Remarks | ||||||||||
Topic 1 Management Areas, Skills and Tools |
||||||||||||||
Activity 1: Introduction to Micro-Enterprise Management |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
||||
Activity 2: Introduction to Financial Records |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
||||
Activity 3: Preparation and Reading of Financial Records |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
||||
Topic 2 Systematic Financial Analysis and Diagnosis |
||||||||||||||
Activity 1: Financial Analysis and Diagnosis |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
||||
Activity 2: Options for Entrepreneur |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
2. Evaluation of Workshop Arrangements
Rate the degree of satisfaction with the workshop arrangements:
1 = not satisfied
2 = not completely satisfied
3 = completely satisfied
Please explain or make suggestions in the last column
Arrangement |
Rate |
Remarks | ||
Work room/facilities |
1 |
2 |
3 |
|
Seating arrangement |
1 |
2 |
3 |
|
Time schedule |
1 |
2 |
3 |
|
Clarity of objectives |
1 |
2 |
3 |
|
Variation of methodology |
1 |
2 |
3 |
|
Pace of training |
1 |
2 |
3 |
|
Training work book |
1 |
2 |
3 |
3. Suggestions to further improve the Training Activities
a. For facilitator:
b. For participants:
Name _________
Date ___________
1. Evaluation of Topics and Activities
Rate usefulness for you work in the project 1 = not useful: 2= little use; 3= useful; 4= very useful
Rate the degree of satisfaction with content and methodology: 1 = not satisfied; 2= not completely satisfied; 3= completely satisfied
Please explain or make suggestions in the last column
Topic/Activity |
Usefulness |
Content |
Methodology |
Remarks | ||||||||||
Topic 1 Fund Utilization and management in Women's Groups |
||||||||||||||
Activity 1: Importance of Savings Mobilization |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
||||
Activity 2: Group Financial Records |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
||||
Activity 3: Monitoring of Group Savings and Loans Operations |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
||||
Topic 2 Project Revolving Fund Management |
||||||||||||||
Activity 1: Policies and Procedures of Project Revolving Fund |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
||||
Activity 2: Planning Disbursement of Loans to Women's Groups |
||||||||||||||
Activity 3: Preparation and Procedures of Loan Applications |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
2. Evaluation of Workshop Arrangements
Rate the degree of satisfaction with the workshop arrangements:
1 = not satisfied
2 = not completely satisfied
3 = completely satisfied
Please explain or make suggestions in the last column
Arrangement |
Rate |
Remarks | ||
Work room/facilities |
1 |
2 |
3 |
|
Seating arrangement |
1 |
2 |
3 |
|
Time schedule |
1 |
2 |
3 |
|
Clarity of objectives |
1 |
2 |
3 |
|
Variation of methodology |
1 |
2 |
3 |
|
Pace of training |
1 |
2 |
3 |
|
Training work book |
1 |
2 |
3 |
3. Suggestions to further improve the Training Activities
a. For facilitator:
b. For participants:
Name _________
Date ___________
1. Evaluation of Topics and Activities
Rate usefulness for you work in the project: 1= not useful, 2= little use; 3= useful; 4= very useful
Rate the degree of satisfaction with content and methodology: 1 = not satisfied; 2= not completely satisfied; 3= completely satisfied
Please explain or make suggestions in the last column
Topic/Activity |
Usefulness |
Content |
Methodology |
Remarks | ||||||||||
Topic 1 Action Planning |
||||||||||||||
Activity 1: Role Delineation |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
||||
Activity 2: Training Plan |
1 |
2 |
3 |
4 |
1 |
2 |
3 |
1 |
2 |
3 |
2. Evaluation of Workshop Arrangements
Rate the degree of satisfaction with the workshop arrangements;
1 = not satisfied
2 = not completely satisfied
3 = completely satisfied
Please explain or make suggestions in the last column
Arrangement |
Rate |
Remarks | ||
Work room/facilities |
1 |
2 |
3 |
|
Seating arrangement |
1 |
2 |
3 |
|
Time schedule |
1 |
2 |
3 |
|
Clarity of objectives |
1 |
2 |
3 |
|
Variation of methodology |
1 |
2 |
3 |
|
Pace of training |
1 |
2 |
3 |
|
Training work book |
1 |
2 |
3 |
3. Suggestions to further improve the Training Activities
a. For facilitator:
b. For participants:
Name _________
Date ___________
WOMEN POPULATION AND DEVELOPMENT PROGRAMME
TRAINING MICRO-ENTERPRISE DEVELOPMENT
Work Book