  
 

   
  

  

www.smeda.org.pk

 

 ...
 

 

 


 

3



3



3

...
 .1

                     




 ...
   .4


  14 2013                 





...
90   0.47  1.73     2.20  





  3.01  IRR5611.22...
/  .9









                   

 ...
 

.10.2

     


  3


 

220,000

 10% 


1,980,000

 90%

...
 

.10.4

    8                1.5    170


     ...
  

  

.10.5






 

 

75,000

25,000

3



250,000

25,000

10



20,000

20,000...
   

.10.6






 

45,000

45,000

1

65,000

2,500

26

    






8,000

2...










 

.10.8






20,000

20,000

1

9,000

3,000

3



7,500

7,500

...
 


.10.9





      


 

   


 


 

300,000

25,000

1...
       
 

          v
   ...
 



   

36,000

   

30,000

 



 
  

90,000

 

...
13. USEFUL LINKS
Prime Minister's Office, www.pmo.gov.pk
Small and Medium Enterprise Development Authority, www.smeda.org....
14: Key Assumptions
15-Operating Assumptions
22

Operational Days Per Month

12

Months Operational

16-Capacity Utilizati...
18-Expense Assumptions
Office Expense (Stationary, Entertainment etc.)

Rs. 90,000 per annum

Communication Expense

Rs. 3...
Income Statement

18
Balance Sheet

19
Cash Flow Statement

20
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Montessori school urdu

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Prime Minister's Youth Loan.

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Montessori school urdu

  1. 1.                 www.smeda.org.pk       3    92 42 111 111 456  92 42 36304926-7 helpdesk@smeda.org.pk     15-A   (081) 2831623, 2831702  (081) 2831922      (091) 9213046-47  (091) 286908      52   (021) 111-111-456 (021) 35610572      33   (042) 111-111-456  (0423)36304926-7  helpdesk-qta@smeda.org.pk helpdesk-pew@smeda.org.pk helpdesk-khi@smeda.org.pk helpdesk.punjab@smeda.org.pk                 
  2. 2.            3  3  3  4     4 4    5 4    6 5    7 5  6  6  6  /  1 2 3 8 9 10     10.1 7    10.2 7    10.3 8    10.4 9     10.5 10      10.6 10    10.7 11  12     10.9 12     11 13   12 13    12.1 14     12.2 14     /  12.3  15    13 16 2      14  10.8 
  3. 3.  .1                                                                                      SMEDA                                                www.smeda.org.pk                   .2                                                                                                                                                              SMEDA    .3     SME       1998                            SMEs   SME                                                3        SME                          SMEs                                    
  4. 4.    .4    14 2013                                   8             SME        debt  1090              .5                              3-7  2                                                                                                                          0.47 1.73      2.20            11.22 NPV         10 90        3.01 56 IRR                                            :  6                                                 8  80  170             II/I    2 1III    170 2520           1.5       4 
  5. 5. 90   0.47  1.73     2.20          3.01  IRR5611.22NPV   10    .7                     /                                                                                                                                  .8  86 8        25   20    ii     170  8         1.5                        1             33 31 28 26 20  33 31 28 26 20 I 33 31 28 26 20 II 21 19 18 16 13 I 21 19 18 16 13 II 141 5   131 120 110 86  
  6. 6. /  .9                                               .10            Youth Business Loan                        .10.1  NPVIRR      2     56%  IRR    3.01     11,222,901  NPV                               6
  7. 7.   .10.2          3    220,000  10%   1,980,000  90% 8%    / 8      1       .10.3           4          --  -932,500   /      253,700     490,500  49,978   1,726,678    473,322  2,200,000 7  
  8. 8.   .10.4     8                1.5    170                                                    5    1,920    8  376  100  150   100   300  554   //  3,250   6,750                             i   1,200,000  100,000   1.5     ii                                                                           8
  9. 9.       .10.5        75,000 25,000 3  250,000 25,000 10  20,000 20,000 1  7,500 7,500 1  5,000 5,000 1  35,000 35,000 1  12,000 12,000 1   6,000 1,500 4  80,000 40,000 2   3.0  490,500 9   
  10. 10.     .10.6      45,000 45,000 1 65,000 2,500 26           8,000 2,000 4    14,800 200 74  20,000 20,000 1   25,000 25,000 1   7,400 7,400 1   2,500 2,500 1  30,000 15,000 2     15,000 15,000 1   12,000 12,000 1  / 9,000 750 12    253,700         .10.7     12,000 12,000 1  15,000 15,000 1 4 17,000 17,000 1 6 20,000 20,000 1 8 12,000 12,000 1 6x6  10,000 10,000 1   15,000 15,000 1   101,000 10   
  11. 11.          .10.8     20,000 20,000 1 9,000 3,000 3  7,500 7,500 1     5,000 5,000 1  5,000 2,500 2  7,500 7,500 1     60,000 3,000 20  II/ 180,000 1,500 120  II/ 225,000 4,500 50 40,000 5,000 8 40,000 5,000 8           20,000 2,500 8     2 1      100,000  50,000 2,500 20  35,000 3,500 10  7,500 7,500 1   2,500 2,500 1  2,500 2,500 1   15,000 15,000 1 831,500 11         
  12. 12.    .10.9                          300,000 25,000 1   180,000 15,000 1     180,000 15,000 1      180,000 15,000 1    288,000 12,000 2 288,000 12,000 2   I 288,000 12,000 2    II 144,000 12,000 1 I 144,000 12,000 1 II 180,000 15,000 1       120,000 10,000 1   120,000 10,000 1  120,000 10,000 1   2,532,000 16        10            .11           i                                             ii                                                             iii                   iv  12
  13. 13.                     v               vi    .12            40 2 4,000 I 40 2 20 4,300 II 40 2 748,800 13 4,800 1 25 1 826,800 13 5,300 2 25 1 5,267,600 86    215,000       86 2,500   645,000 86 7,500  840,000 20 3,500 960,000 20 1,032,00 170     7.5 50 13      .12.1
  14. 14.        36,000     30,000           90,000   30,000    318,142 36,000             30,000  36,000   60,000    30,000    24,000  60,000 30,000 90,000    30,000     30,000    60,000   1,200,000  2,220,142       /                   III 78-B1 042-99260108 042-99268114-7 042-99268118 14 .12.2 .12.3
  15. 15. 13. USEFUL LINKS Prime Minister's Office, www.pmo.gov.pk Small and Medium Enterprise Development Authority, www.smeda.org.pk National Bank of Pakistan (NBP), www.nbp.com.pk First Women Bank Limited (FWBL), www.fwbl.com.pk Government of Pakistan, www.pakistan.gov.pk Ministry of Industries & Production, www.moip.gov.pk Ministry of Education, Training & Standards in Higher Education http://www.moptt Government of Punjab, www.punjab.gov.pk Government of Sindh, www.sindh.gov.pk Government of Khyber Pakhtoonkhwa, www.khyberpakhtunkhwa.gov.pk Government of Balochistan, www.balochistan.gov.pk Government of Gilgit Baltistan, www.gilgitbaltistan.gov.pk Government of Azad Jamu Kashmir, www.ajk.gov.pk Trade Development Authority of Pakistan (TDAP), www.tdap.gov.pk Security Commission of Pakistan (SECP), www.secp.gov.pk Federation of Pakistan Chambers and Commerce and Industries (FPCCI) www.fpcci.com.pk State Bank of Pakistan (SBP), www.sbp.org.pk All Pakistan Private Schools Welfare Association (APPSWA) www.appswa.com.pk 15
  16. 16. 14: Key Assumptions 15-Operating Assumptions 22 Operational Days Per Month 12 Months Operational 16-Capacity Utilization Assumptions Capacity Utilization (First Year) 50% First Year Student Enrollment 85 Student Drop-out Ratio 5% Students addition in year -2 25 Nos. Students addition in year -3 and onwards 10 Nos. 17-Economics Assumptions Electricity Growth Rate Salary Growth Rate 10% Rent Growth Rate 10% Student Fee Growth Rate 7.5% Admission Fee Growth Rate 5% Misc. Expense Gorwth Rate 16 10% 5%
  17. 17. 18-Expense Assumptions Office Expense (Stationary, Entertainment etc.) Rs. 90,000 per annum Communication Expense Rs. 30,000 per annum Advertisement Expense Rs. 60,000 per annum Teacher's Training Expense Rs. 36,000 per annum Repair & Maintenance Expense Rs. 90,000 per annum 17
  18. 18. Income Statement 18
  19. 19. Balance Sheet 19
  20. 20. Cash Flow Statement 20

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