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

Worksheet 2: Cash record

Name entrepreneur:

Month:

Name enterprise:

Year:

Beginning Balance (Cash Status)

Amount:

Remaining Balance

Cash In

Cash Out

Item

Amount

Item

Amount

Amount

Date

Worksheet 3: Income statement

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

%

Worksheet 4: Monthly monitoring report savings mobilization credit operations micro-enterprise development

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:_____________________________

Annex 4. Business plan forms

A. Production enterprise

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)

B. Processing enterprise

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)

C. Trading enterprise

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

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)

D. Service enterprise

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

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)

Annex 5. Group financial records

GMF1: Individual savings record

(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

GMF2: Individual loan Record

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

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

Crops / Livestock	Land Size / No. of Heads	Projected Harvest	Crop Season	Period Covered (Months)
a
b

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

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:

Quality Category	Unit Price	Expected Volume to be sold
1
2
4
	TOTAL

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

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

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

Schedule	Months	Source and Amount
		Project	Other Income
First 3 months
4th to 6th month
7th to 9th month
10th to 12th month

Source of Income	Amount of Earnings	Month Earned*



* Please state the time (months) when you expect to get such earnings/income.

	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

Equipment/ Machine	Capacity	Cost	Life-years	After-Sales Service

1.
2.
3.

Item	Quantity	Unit Price/ Wage Rate	Total Cost
A. Other
Raw Material

B. Hired Labor

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

Goods	Quantity	Turn-over 1/ Expected	Margin 2/	Remarks 3/

Goods	Quantity Cycle	Unit Buying Price	Unit Selling Price	Gross Sales 1/

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

Date	Amount Deposit	Cumulative Balance	Signature Group Treasurer	Group Seal

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