This document provides a summary of a loan proposal for a gym project. It includes details on the objectives, scope, limitations and assumptions of the project. It then provides information on the bank profile, research methodology used to collect primary and secondary data, and the process for submitting a loan proposal. The financial details include investment costs, capital structure, annual expenditures, revenue projections for 5 years, loan repayment schedule including EMI calculations for the first two years. Overall, the document outlines all the key financial and operational aspects of the proposed gym project seeking a bank loan.
This document is created to offer assistance to ACCA students/affiliates who are undertaking the ACCA/OBU BSc Research and Analysis Project (RAP). The RAP is very different to an ACCA written exam. Every project is a separate piece of work. Each student has to identify their own individual project topic, set research objectives, and develop a framework for their project work. Appropriate Models Include;
Topic 6 requires the use of more than one motivation model, preferably a ‘content’ model and a ‘process’ model.
Topic 8 requires appropriate financial ratios and business models such as SWOT, PESTEL, Porter’s Five Forces, etc.
Topics 2, 4,5, 9 require the use of general evaluation models such as cost/benefit analysis, managing change models, systems development lifecycle, etc.
Topic 18 requires the use of one or more models for evaluating the marketing environment as well as, for example, the marketing mix for evaluating the marketing strategy of an organisation, and an appropriate model for evaluating its effectiveness.
CHAPTER:-1
INTRODUCTION OF THE STUDY
The report contains the brief description of the state bank of India. It contains the finding and analysis of the survey conducted to gather primary data to judge the importance of various attributes that influence the satisfaction of customer in different manner and to the different extent. These attributes are classified as initial experience, service delivery experience, relationship experience and grievance handling. Further an attempt has been made to know the overall satisfaction of the customer.
Customer satisfaction, a term frequently used in marketing, is a measure of how products and services supplied by a company meet or surpass customer expectation. Customer satisfaction is defined as "the number of customers, or percentage of total customers, whose reported experience with a firm, its products, or its services (ratings) exceeds specified satisfaction goals. Customer service proves to be one of the most important factors governing business.
OBJECTIVE OF THE STUDY:-
• TO find out the customer feedback i.e. improvement required or suggestion.
• To find out the relationship between bank and the customer.
• To study the Satisfaction of customers towards the ― state bank of India.
• To Identify the factors that influences the customer behavior of ―state bank of India.
• To identify the factors those influence the selection of SBI banking services in MUMBAI DISTRICT.
SCOPE OF THE STUDY:-
The present study was undertaken to know the preference of the customer towards state bank of India (SBI). The problem of the customer is they are not aware of the services provided by their bank. The study also force on the customer perception that how the banking services can be improved. In my study I have used both primary sources of data as well as secondary sources of data.
• The study has been conducted on behalf of ―STATE BANK OF INDIA.
• The study is confined to the Mumbai region.
• The study covers the service providers and users of ―STATE BANK OF INDIA.
• The study has put forward the Customers as well as acceptability behavior for the services.
• The scope of the study is to find out the ―Customer Satisfaction
Limitations of the Study:-
The study report consists of few limitations:-
• The report has been conducted within a limited time frame.
• The study is self financed.
• The study is limited to the customer of Mumbai only.
• Only selected Branches and Banks have been considered for the study.
• Samples were selected conveniently.
• The sample size does not represent the total population.
• The sample of size is limited to 30 only and the sample size may not represent whole market.
LITERATURE REVIEW:-
This document is created to offer assistance to ACCA students/affiliates who are undertaking the ACCA/OBU BSc Research and Analysis Project (RAP). The RAP is very different to an ACCA written exam. Every project is a separate piece of work. Each student has to identify their own individual project topic, set research objectives, and develop a framework for their project work. Appropriate Models Include;
Topic 6 requires the use of more than one motivation model, preferably a ‘content’ model and a ‘process’ model.
Topic 8 requires appropriate financial ratios and business models such as SWOT, PESTEL, Porter’s Five Forces, etc.
Topics 2, 4,5, 9 require the use of general evaluation models such as cost/benefit analysis, managing change models, systems development lifecycle, etc.
Topic 18 requires the use of one or more models for evaluating the marketing environment as well as, for example, the marketing mix for evaluating the marketing strategy of an organisation, and an appropriate model for evaluating its effectiveness.
CHAPTER:-1
INTRODUCTION OF THE STUDY
The report contains the brief description of the state bank of India. It contains the finding and analysis of the survey conducted to gather primary data to judge the importance of various attributes that influence the satisfaction of customer in different manner and to the different extent. These attributes are classified as initial experience, service delivery experience, relationship experience and grievance handling. Further an attempt has been made to know the overall satisfaction of the customer.
Customer satisfaction, a term frequently used in marketing, is a measure of how products and services supplied by a company meet or surpass customer expectation. Customer satisfaction is defined as "the number of customers, or percentage of total customers, whose reported experience with a firm, its products, or its services (ratings) exceeds specified satisfaction goals. Customer service proves to be one of the most important factors governing business.
OBJECTIVE OF THE STUDY:-
• TO find out the customer feedback i.e. improvement required or suggestion.
• To find out the relationship between bank and the customer.
• To study the Satisfaction of customers towards the ― state bank of India.
• To Identify the factors that influences the customer behavior of ―state bank of India.
• To identify the factors those influence the selection of SBI banking services in MUMBAI DISTRICT.
SCOPE OF THE STUDY:-
The present study was undertaken to know the preference of the customer towards state bank of India (SBI). The problem of the customer is they are not aware of the services provided by their bank. The study also force on the customer perception that how the banking services can be improved. In my study I have used both primary sources of data as well as secondary sources of data.
• The study has been conducted on behalf of ―STATE BANK OF INDIA.
• The study is confined to the Mumbai region.
• The study covers the service providers and users of ―STATE BANK OF INDIA.
• The study has put forward the Customers as well as acceptability behavior for the services.
• The scope of the study is to find out the ―Customer Satisfaction
Limitations of the Study:-
The study report consists of few limitations:-
• The report has been conducted within a limited time frame.
• The study is self financed.
• The study is limited to the customer of Mumbai only.
• Only selected Branches and Banks have been considered for the study.
• Samples were selected conveniently.
• The sample size does not represent the total population.
• The sample of size is limited to 30 only and the sample size may not represent whole market.
LITERATURE REVIEW:-
GRAND CANYON UNIVERSITY SCENARIO GENERATORModule 4 Scenari.docxwhittemorelucilla
GRAND CANYON UNIVERSITY SCENARIO GENERATOR
Module 4 Scenario: Hiring Plan and Compensation Package Proposal
Type: Family Business
Size: Small Business
Sector: Computer Repair
Funding: Investors/Lenders
Stakeholders:
Employees
Decision makers:
Owners
Formal organization:
LLC
Human Resources Department:
Pay-for service arrangement: employment law attorney
Stage in Organizational Lifecycle:
Birth
THESE ARE THE GIVEN CONSTRAINTS:
ORGANIZATIONAL BACKGROUND:
Founded in: 1970
Dedicated to: The company thrives to provide the best possible
experience to all of its business partners and clients.
Culture Our culture is akin to that of a small family. All our
employees are partners in the business, share our success, and help us
sustain the core values that make us successful.
Structure: Our organization is very flat and consists of three tiers:
owners, managers, and non-manager employees.
Mission statement: To ensure that each customer receives prompt,
professional, friendly, and courteous service. To maintain a
professional and friendly environment for our cusotmers and staff. To
provide at a fair price using only quality components. To ensure that
all customers and staff are treated with the respect and dignity they
deserve. To thank each customer for the opportunity to serve them. By
maintaining these objectives we shall be assured of a fair profit that
will allow us to contribute to the community we serve.
Vision statement: Within the next five years, we will become a leading
provider of products and services to small businesses by providing
page 1 / 4
customizable, user-friendly solutions scaled to small business needs.
INTEGRITY: By dealing honestly with our clients, staff, vendors and
community.
RESPONSIBILITY: By considering the environment in which we do
business, community views and the common good.
PROFITABILITY: By being aware that an appropriate level of profit is
necessary to maintain our business and allow our values to continue to
be observed.
Values statement: In conducting our business, we will realize our
vision by performing our affairs so that our actions provide
confirmation of the high value we place on:
Present goals: To reduce delivery and distribution time of products
and services. To reduce the number and frequency of customer
complaints, and to improve the response time of customers inquiries.
Past goals: To reduce employee turnover by 20 percent by introducing a
new employee assistance program. To improve productivity by
implementing a company-wide training program. To actively recruit
skilled workers into the organization.
Brief SWOT analysis:
Strengths:
Positive cash flow
Experienced management
Good business reputation
Known for product quality
Weaknesses:
Experienced management approaching retirement
Insufficiently diversified revenue streams
Products and/or services have not been updated for a long time
Too much internal bureaucracy
Opportunities:
Internat ...
1 BUS B899F Assignment 1 Date due 28 November 2019.docxjeremylockett77
1
BUS B899F Assignment 1
Date due: 28 November 2019 (Thursday) 5 December 2019
Weighting: 5% of the total marks for this course
Length: You are advised to write no more than 3,000 words for this assignment.
Important note:
a. As a mechanism to maintain academic integrity, students are required to
submit both hard and soft copies of their assignments as below:
i. Submission of soft copy
Students should upload the Originality Report, which is downloaded after
processing by the Turnitin, to the OLE of the course by 6:00 pm on the
submission due date. The Originality Report uploaded to the OLE should
be in pdf format, contains the content of the student’s assignment, the
results of an originality check with highlight of matching text. The user
guide of Turnitin is available on the OLE for reference.
Students should upload a soft copy of the assignment to the OLE of the
course by 5:00 pm on the submission due date. Files uploaded to the OLE
should be prepared in Microsoft Word. Please refer to the quick start
guide for submission of assignments to Turnitin.
ii. Submission of hard copy
Students should put a hard copy of the Turnitin Originality Report, in the
collection box on 8/F in Block A or 7/F in Block B by 6:00 pm on the
assignment due date.
iii. 10% of the marks awarded to the assignment will be deducted for each
day it is overdue until both hard and soft copies are submitted the soft
copy is submitted.
Students are allowed to upload their work in Turnitin once per
assignment. Please don’t upload the work to Turnitin in the last minutes
as it takes time to generate the Originality Report. Students must ensure
that the content of both the hard and soft copy are identical. In case of
discrepancies between the two copies, only the hard copies of your
assignment with the Turnitin Originality Report will be graded and
returned.
b. Please include a word count at the end of your assignment. Please note that
the tutor is given the discretion to deduct marks for exceeding the word limit
2
or to disregard the content after the word limit is reached.
3
Tasks: (100 marks)
Before you write this assignment, please consider some issues relating to
business ideas, including formulating a business idea; exploring and clarifying
the possible problems associated with the idea; and evaluating the idea.
This assignment should include business proposal sections 2-4 (see the appendix
for details):
1. Introduction, including the reader to your business idea and preview of
content of the proposal; (20 marks)
2. Company overview, including company profile/proposed organization, and
the mission, vision and goals of the business; (30 marks)
3. Proposed business, including purposes and values of the business, proposed
product/service, target customer, core competences for achieving the
business goals etc. (50 marks)
Points of Ad ...
BA490 - Course Project - Proposal for Expansion Opportunity Overse.docxrock73
BA490 - Course Project - Proposal for Expansion Opportunity Oversee
Course Overview
Business Policy and Strategy is the capstone course for business administration majors. This advanced course is designed to provide students with a general management perspective of the total business enterprise. Students learn new strategy formulation, implementation, and evaluation concepts and techniques. Students use this new knowledge, coupled with knowledge acquired from other courses, to chart the future direction of different types of organizations. The course builds on previous courses in diverse functional areas to offer insights and analytical tools which a general manager needs to plan and implement successful business policies and strategies. The course emphasizes the practical application of business theory to business problems.
Project Introduction
Purpose
You will select a company and then identify and analyze a strategy for its growth into an overseas market.
Course Objectives
· Discuss the nature of strategy formulation, implementation, and evaluation activities.
· Describe the nature and role of vision and mission statements in strategic management.
· Discuss ten major external forces that affect organizations: economic, social, cultural, demographic, environmental, political, governmental, legal, technological, and competitive.
· Discuss the importance of gathering competitive intelligence.
· Explain how to determine and prioritize a firm’s internal strengths and weaknesses.
· Explain how to develop a SWOT Matrix, SPACE Matrix, BCG Matrix, IE Matrix, and QSPM.
· Identify important behavioral, political, ethical, and social responsibility considerations in strategy analysis and choice.
· Explain market segmentation and product positioning as strategy implementation tools.
· Discuss the nature and role of research and development in strategy implementation.
· Explain how computer information systems can determine the success of strategy implementation efforts.
Project Logistics
There are four parts to the final course project. The first part of the project is the initial proposal, which will be submitted to the instructor for approval. The second part is research on opportunities and cultural challenges in the country you choose for your company’s expansion. Next, you will conduct a strategic audit on various areas. Finally, you will put it all together into a written analysis of your proposed strategic plan. A final presentation of the proposed plan will be the culmination of the project.
Deliverables
· Project Part 1: Project Proposal (requires instructor approval)
Assigned: Week 2
· Project Part 2: Cultural Exchange and Marketing Strategy
Assigned: Week 4
· Project Part 3: Strategic Audit
Assigned: Week 6
· Project Part 4: Final Proposal and Presentation
Assigned: Week 8
Project Part 1: Project Proposal
Assignment Requirements:
There are four parts to the final course project. The first part of the project is the initial proposa ...
11 formalities for setting up a small business enterpriseabcde123321
formalities for setting up a small business enterprise - series of health economics and entrepreneurship for pharmacy students part 11 Pharm Paul Malaba
Small Business Loan Proposal PowerPoint Presentation SlidesSlideTeam
If your company needs to submit a Small Business Loan Proposal PowerPoint Presentation Slides look no further. Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. https://bit.ly/2VxeP0s
Ethnobotany and Ethnopharmacology:
Ethnobotany in herbal drug evaluation,
Impact of Ethnobotany in traditional medicine,
New development in herbals,
Bio-prospecting tools for drug discovery,
Role of Ethnopharmacology in drug evaluation,
Reverse Pharmacology.
The Art Pastor's Guide to Sabbath | Steve ThomasonSteve Thomason
What is the purpose of the Sabbath Law in the Torah. It is interesting to compare how the context of the law shifts from Exodus to Deuteronomy. Who gets to rest, and why?
GRAND CANYON UNIVERSITY SCENARIO GENERATORModule 4 Scenari.docxwhittemorelucilla
GRAND CANYON UNIVERSITY SCENARIO GENERATOR
Module 4 Scenario: Hiring Plan and Compensation Package Proposal
Type: Family Business
Size: Small Business
Sector: Computer Repair
Funding: Investors/Lenders
Stakeholders:
Employees
Decision makers:
Owners
Formal organization:
LLC
Human Resources Department:
Pay-for service arrangement: employment law attorney
Stage in Organizational Lifecycle:
Birth
THESE ARE THE GIVEN CONSTRAINTS:
ORGANIZATIONAL BACKGROUND:
Founded in: 1970
Dedicated to: The company thrives to provide the best possible
experience to all of its business partners and clients.
Culture Our culture is akin to that of a small family. All our
employees are partners in the business, share our success, and help us
sustain the core values that make us successful.
Structure: Our organization is very flat and consists of three tiers:
owners, managers, and non-manager employees.
Mission statement: To ensure that each customer receives prompt,
professional, friendly, and courteous service. To maintain a
professional and friendly environment for our cusotmers and staff. To
provide at a fair price using only quality components. To ensure that
all customers and staff are treated with the respect and dignity they
deserve. To thank each customer for the opportunity to serve them. By
maintaining these objectives we shall be assured of a fair profit that
will allow us to contribute to the community we serve.
Vision statement: Within the next five years, we will become a leading
provider of products and services to small businesses by providing
page 1 / 4
customizable, user-friendly solutions scaled to small business needs.
INTEGRITY: By dealing honestly with our clients, staff, vendors and
community.
RESPONSIBILITY: By considering the environment in which we do
business, community views and the common good.
PROFITABILITY: By being aware that an appropriate level of profit is
necessary to maintain our business and allow our values to continue to
be observed.
Values statement: In conducting our business, we will realize our
vision by performing our affairs so that our actions provide
confirmation of the high value we place on:
Present goals: To reduce delivery and distribution time of products
and services. To reduce the number and frequency of customer
complaints, and to improve the response time of customers inquiries.
Past goals: To reduce employee turnover by 20 percent by introducing a
new employee assistance program. To improve productivity by
implementing a company-wide training program. To actively recruit
skilled workers into the organization.
Brief SWOT analysis:
Strengths:
Positive cash flow
Experienced management
Good business reputation
Known for product quality
Weaknesses:
Experienced management approaching retirement
Insufficiently diversified revenue streams
Products and/or services have not been updated for a long time
Too much internal bureaucracy
Opportunities:
Internat ...
1 BUS B899F Assignment 1 Date due 28 November 2019.docxjeremylockett77
1
BUS B899F Assignment 1
Date due: 28 November 2019 (Thursday) 5 December 2019
Weighting: 5% of the total marks for this course
Length: You are advised to write no more than 3,000 words for this assignment.
Important note:
a. As a mechanism to maintain academic integrity, students are required to
submit both hard and soft copies of their assignments as below:
i. Submission of soft copy
Students should upload the Originality Report, which is downloaded after
processing by the Turnitin, to the OLE of the course by 6:00 pm on the
submission due date. The Originality Report uploaded to the OLE should
be in pdf format, contains the content of the student’s assignment, the
results of an originality check with highlight of matching text. The user
guide of Turnitin is available on the OLE for reference.
Students should upload a soft copy of the assignment to the OLE of the
course by 5:00 pm on the submission due date. Files uploaded to the OLE
should be prepared in Microsoft Word. Please refer to the quick start
guide for submission of assignments to Turnitin.
ii. Submission of hard copy
Students should put a hard copy of the Turnitin Originality Report, in the
collection box on 8/F in Block A or 7/F in Block B by 6:00 pm on the
assignment due date.
iii. 10% of the marks awarded to the assignment will be deducted for each
day it is overdue until both hard and soft copies are submitted the soft
copy is submitted.
Students are allowed to upload their work in Turnitin once per
assignment. Please don’t upload the work to Turnitin in the last minutes
as it takes time to generate the Originality Report. Students must ensure
that the content of both the hard and soft copy are identical. In case of
discrepancies between the two copies, only the hard copies of your
assignment with the Turnitin Originality Report will be graded and
returned.
b. Please include a word count at the end of your assignment. Please note that
the tutor is given the discretion to deduct marks for exceeding the word limit
2
or to disregard the content after the word limit is reached.
3
Tasks: (100 marks)
Before you write this assignment, please consider some issues relating to
business ideas, including formulating a business idea; exploring and clarifying
the possible problems associated with the idea; and evaluating the idea.
This assignment should include business proposal sections 2-4 (see the appendix
for details):
1. Introduction, including the reader to your business idea and preview of
content of the proposal; (20 marks)
2. Company overview, including company profile/proposed organization, and
the mission, vision and goals of the business; (30 marks)
3. Proposed business, including purposes and values of the business, proposed
product/service, target customer, core competences for achieving the
business goals etc. (50 marks)
Points of Ad ...
BA490 - Course Project - Proposal for Expansion Opportunity Overse.docxrock73
BA490 - Course Project - Proposal for Expansion Opportunity Oversee
Course Overview
Business Policy and Strategy is the capstone course for business administration majors. This advanced course is designed to provide students with a general management perspective of the total business enterprise. Students learn new strategy formulation, implementation, and evaluation concepts and techniques. Students use this new knowledge, coupled with knowledge acquired from other courses, to chart the future direction of different types of organizations. The course builds on previous courses in diverse functional areas to offer insights and analytical tools which a general manager needs to plan and implement successful business policies and strategies. The course emphasizes the practical application of business theory to business problems.
Project Introduction
Purpose
You will select a company and then identify and analyze a strategy for its growth into an overseas market.
Course Objectives
· Discuss the nature of strategy formulation, implementation, and evaluation activities.
· Describe the nature and role of vision and mission statements in strategic management.
· Discuss ten major external forces that affect organizations: economic, social, cultural, demographic, environmental, political, governmental, legal, technological, and competitive.
· Discuss the importance of gathering competitive intelligence.
· Explain how to determine and prioritize a firm’s internal strengths and weaknesses.
· Explain how to develop a SWOT Matrix, SPACE Matrix, BCG Matrix, IE Matrix, and QSPM.
· Identify important behavioral, political, ethical, and social responsibility considerations in strategy analysis and choice.
· Explain market segmentation and product positioning as strategy implementation tools.
· Discuss the nature and role of research and development in strategy implementation.
· Explain how computer information systems can determine the success of strategy implementation efforts.
Project Logistics
There are four parts to the final course project. The first part of the project is the initial proposal, which will be submitted to the instructor for approval. The second part is research on opportunities and cultural challenges in the country you choose for your company’s expansion. Next, you will conduct a strategic audit on various areas. Finally, you will put it all together into a written analysis of your proposed strategic plan. A final presentation of the proposed plan will be the culmination of the project.
Deliverables
· Project Part 1: Project Proposal (requires instructor approval)
Assigned: Week 2
· Project Part 2: Cultural Exchange and Marketing Strategy
Assigned: Week 4
· Project Part 3: Strategic Audit
Assigned: Week 6
· Project Part 4: Final Proposal and Presentation
Assigned: Week 8
Project Part 1: Project Proposal
Assignment Requirements:
There are four parts to the final course project. The first part of the project is the initial proposa ...
11 formalities for setting up a small business enterpriseabcde123321
formalities for setting up a small business enterprise - series of health economics and entrepreneurship for pharmacy students part 11 Pharm Paul Malaba
Small Business Loan Proposal PowerPoint Presentation SlidesSlideTeam
If your company needs to submit a Small Business Loan Proposal PowerPoint Presentation Slides look no further. Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. https://bit.ly/2VxeP0s
Ethnobotany and Ethnopharmacology:
Ethnobotany in herbal drug evaluation,
Impact of Ethnobotany in traditional medicine,
New development in herbals,
Bio-prospecting tools for drug discovery,
Role of Ethnopharmacology in drug evaluation,
Reverse Pharmacology.
The Art Pastor's Guide to Sabbath | Steve ThomasonSteve Thomason
What is the purpose of the Sabbath Law in the Torah. It is interesting to compare how the context of the law shifts from Exodus to Deuteronomy. Who gets to rest, and why?
The Roman Empire A Historical Colossus.pdfkaushalkr1407
The Roman Empire, a vast and enduring power, stands as one of history's most remarkable civilizations, leaving an indelible imprint on the world. It emerged from the Roman Republic, transitioning into an imperial powerhouse under the leadership of Augustus Caesar in 27 BCE. This transformation marked the beginning of an era defined by unprecedented territorial expansion, architectural marvels, and profound cultural influence.
The empire's roots lie in the city of Rome, founded, according to legend, by Romulus in 753 BCE. Over centuries, Rome evolved from a small settlement to a formidable republic, characterized by a complex political system with elected officials and checks on power. However, internal strife, class conflicts, and military ambitions paved the way for the end of the Republic. Julius Caesar’s dictatorship and subsequent assassination in 44 BCE created a power vacuum, leading to a civil war. Octavian, later Augustus, emerged victorious, heralding the Roman Empire’s birth.
Under Augustus, the empire experienced the Pax Romana, a 200-year period of relative peace and stability. Augustus reformed the military, established efficient administrative systems, and initiated grand construction projects. The empire's borders expanded, encompassing territories from Britain to Egypt and from Spain to the Euphrates. Roman legions, renowned for their discipline and engineering prowess, secured and maintained these vast territories, building roads, fortifications, and cities that facilitated control and integration.
The Roman Empire’s society was hierarchical, with a rigid class system. At the top were the patricians, wealthy elites who held significant political power. Below them were the plebeians, free citizens with limited political influence, and the vast numbers of slaves who formed the backbone of the economy. The family unit was central, governed by the paterfamilias, the male head who held absolute authority.
Culturally, the Romans were eclectic, absorbing and adapting elements from the civilizations they encountered, particularly the Greeks. Roman art, literature, and philosophy reflected this synthesis, creating a rich cultural tapestry. Latin, the Roman language, became the lingua franca of the Western world, influencing numerous modern languages.
Roman architecture and engineering achievements were monumental. They perfected the arch, vault, and dome, constructing enduring structures like the Colosseum, Pantheon, and aqueducts. These engineering marvels not only showcased Roman ingenuity but also served practical purposes, from public entertainment to water supply.
Synthetic Fiber Construction in lab .pptxPavel ( NSTU)
Synthetic fiber production is a fascinating and complex field that blends chemistry, engineering, and environmental science. By understanding these aspects, students can gain a comprehensive view of synthetic fiber production, its impact on society and the environment, and the potential for future innovations. Synthetic fibers play a crucial role in modern society, impacting various aspects of daily life, industry, and the environment. ynthetic fibers are integral to modern life, offering a range of benefits from cost-effectiveness and versatility to innovative applications and performance characteristics. While they pose environmental challenges, ongoing research and development aim to create more sustainable and eco-friendly alternatives. Understanding the importance of synthetic fibers helps in appreciating their role in the economy, industry, and daily life, while also emphasizing the need for sustainable practices and innovation.
Model Attribute Check Company Auto PropertyCeline George
In Odoo, the multi-company feature allows you to manage multiple companies within a single Odoo database instance. Each company can have its own configurations while still sharing common resources such as products, customers, and suppliers.
The French Revolution, which began in 1789, was a period of radical social and political upheaval in France. It marked the decline of absolute monarchies, the rise of secular and democratic republics, and the eventual rise of Napoleon Bonaparte. This revolutionary period is crucial in understanding the transition from feudalism to modernity in Europe.
For more information, visit-www.vavaclasses.com
The Indian economy is classified into different sectors to simplify the analysis and understanding of economic activities. For Class 10, it's essential to grasp the sectors of the Indian economy, understand their characteristics, and recognize their importance. This guide will provide detailed notes on the Sectors of the Indian Economy Class 10, using specific long-tail keywords to enhance comprehension.
For more information, visit-www.vavaclasses.com
How to Make a Field invisible in Odoo 17Celine George
It is possible to hide or invisible some fields in odoo. Commonly using “invisible” attribute in the field definition to invisible the fields. This slide will show how to make a field invisible in odoo 17.
How to Split Bills in the Odoo 17 POS ModuleCeline George
Bills have a main role in point of sale procedure. It will help to track sales, handling payments and giving receipts to customers. Bill splitting also has an important role in POS. For example, If some friends come together for dinner and if they want to divide the bill then it is possible by POS bill splitting. This slide will show how to split bills in odoo 17 POS.
Instructions for Submissions thorugh G- Classroom.pptxJheel Barad
This presentation provides a briefing on how to upload submissions and documents in Google Classroom. It was prepared as part of an orientation for new Sainik School in-service teacher trainees. As a training officer, my goal is to ensure that you are comfortable and proficient with this essential tool for managing assignments and fostering student engagement.
1. 1
CONTENTS
Chapter No. Table of Contents Page No.
1
Executive Summary
Objectives
Scope
Limitation
Assumptions
2
Profile of the firm
3
Research Methodology
Method of Data Collection
Primary Data
Secondary Data
Loan Proposal
Marketing Analysis
4
Investment Cost of Project
Capital Structure
Working Capital
Total Annual Expenditure
Revenue for The Projected Period
Repayment of loan
Schedule For Depreciation
Income statement
Cash Flow Statement
Balance Sheet
Ratio Analysis
5 Conclusion & Bibliography
4. 4
OBJECTIVES:
To get information of loans taken from banks and other financial companies.
The experience of both numerical and practical use of financial statements.
For future financial need forecasting and planning, so from the following
project we will know all the usage from financial, statements banks loans and
terms related to finance.
We will know all the financial polices. Loans taken rules and regulations and
usages ratios.
To get knowledge about the rules and regulation of government with related
project study.
To get knowledge about the specialized subject.
Interpretation of a corporate loan proposalwith reference to a casestudy.
5. 5
SCOPE:
To learn financial terms, installment procedures of banks loans repayments,
income statement, profit and loss account, balance sheet and cash flow statement.
The study of the project includes information which is useful in financial
management and human resources management.
The study can also helpful with focused on data collection of both primary and
secondarydata in procedure.
As our project is related to finance field, the study will mostly useful to support
our financial working.
The study also flows also on the project preparation techniques and also data
collection techniques.
So, finally we can say that study of project related to financial management
which provides financial statement for the projected period of 5 years.
6. 6
LIMITATION:
The original profit and other expenses , gains and losses are higher or lower
than that of projected projection.
Errors can be done while preparing projected balance sheet and other
financial statements and also when calculations are made.
It is not possible to get exactly desired result by the business firms while
projecting future objectives and goals thus perfection is not possible.
Everything is based on estimations hence the results are approximate.
7. 7
ASSUMPTIONS:
This project has been made on the basis of data that has been received
directly from sources & indirectly from books and internet.
The accuracy of this data cannot be measured and so the main assumption
here is that the data provided is 100% true.
The Rate of Interest at the time of starting the research was found to be
14.5%, but this value could have changed with the new financial policies
and economic growth.
The points have been rounded off whenever and wherever necessary to
make calculations easier.
9. 9
BANK PROFILE
Name of Organization : State bank of hyderabad
Contact Info :
Website : www.sbhyd.com
Year of Establisment : 8 Aug 1941
Address : Lane-C, Main Road, Ambedkar Chowk
Sillod - 431112, Dist. Aurangabad Maharashtra.
12. 12
RESEARCH METHODLOGY:
Research can be defined as logical and systematized application of the
fundamentals of science to the general and overall questions of a study and
scientific techniques which provide precise tools ,specific procedures and technical
rather than philosophical means for getting and ordering the data prior to their
logical and manipulation. In other words, research refers to any original and
systematic investigation undertaken in order to increase knowledge and to establish
facts and principles .It is an organized and systematic activity and may lead to new
and improved insights, development of new products and processes.
Research is the process which includes defining and refining problems,
formulating hypothesis or suggested solutions; collecting, organizing and
evaluating data; making deductions and reaching conclusions, and at last, carefully
testing the conclusion to determine whether they fit the formulating hypothesis.
13. 13
Method of Data collection:
The information for this project has been collected through primary and
secondary sources:-
Primary Data:
Firstly we collected data by visiting STATE BANKOF HYDERABAD and meeting
delegates and interviewing about the entire process of obtaining loan.
We also had a detailed interview with the manager abouttheir loan procedureas
well as different schemes.
Secondary Method:
The secondary data werecollected from the brochureof the bank, the
boards with the information displayed in the bank premises and, fromthe bank
website.
In short we can say that we got the secondary data from the following sources :
Internet.
Books.
Bank profile.
LOAN PROPOSAL:
Detailed report(based on the potential borrowers, loan application and credit
worthiness), presented usually by a banks officer (with his or her comments) to a
senior loan officer or the banks’ loan committee.
14. 14
HOW TO MAKE A LOAN PROPOSAL
STEP-1
Submit a cover letter with your proposal. This should be a brief introduction to
your company, the size of the loan requested and the purposeof the loan.
STEP-2
Begin your proposalwith general information, including the company name and
address, names and social security number of the principals, the purposeof the
loan, the exact amount of money needed and detailed plants for what will be done
with money.
STEP-3
Describe your business in detail. Include information on prior and projected
performance, unique aspects of your business and the legal and ownership
structures.
STEP-4
Provide complete market information. Identify your competition and explain how
your business stacks up. Submit details on your current customer base.
STEP-5
Prepare management profiles for all owners and key employees. Highlight their
education, past accomplishments and qualifications.
15. 15
STEP-6
Submit complete information concerning your last 5 years of operation. If you’re
just starting out, provide projected balance sheets and income statements. Also
include personal financial statements from all the owners and information on any
collateral that will be placed as security for the loan.
STEP-7
Proofread the document; double checking spelling, rammer and the facts contained
in the proposal.
STEP-8
Submit your proposalwith each copyof the loan package you’re required to return.
Remember to keep a copyfor yourself.
16. 16
DOCUMENTS REQUIRED FOR LOAN PROPOSAL
Submit shop act license.
Submit three years estimated balance sheet.
Submit three years income tax challan.
Submit KYC (Know Your Customer) documents- ration card, election ID,
PAN card, photos, light bill.
Person mustbe a shareholder.
Submit property guarantee(housevaluation, tax receipt).
18. 18
INVESTMENT COST OF THE PROJECT:
Serial Particulars Amount Amount
A Equipment Cost:
Leg Press 65000
Leg Extension 70000
Standing Calf 60000
Leg Curl 70000
Low Cable Row 65000
Lat Pull Down 71000
Cable Cross over 75000
Back Extension 25000
Decline Bench 28000
Adjustable Bench 22000
Dumble 58000
Plates Weight 30000
Trade Mills 25000
Elliptical Trainer 110000
Cycles 62000
Steam Bath 72000
Cabins 12000
Peek Deck Fly 65000
Power cage 58000
Mirror 87500
1130500
B FURNITURE
Sofa Sets 10000
Computer Table 80000
1148500
C License 6000 1154500
D Computers & Printers 26000 1180500
E Working Capital 115000
F Total Cost of project 1295500
20. 20
NOTES:
The costof the equipment has been takenfrom an absolute fitness gym.
The costof furniture and fixture has been takenon the basis of researchand
discussionwith experts.
The currency unit of the projecthas been takenin INR.
21. 21
WORKING CAPITAL:
Particulars amount
Receptionist 6000
4*6000 24000
Electricity bills 12000
fuel charges 2000
Rent 34000
repairs and maintances 5000
marketing and advertisement p.a 9000
lightening fitting 23000
Totalworking capital 115000
22. 22
TOTAL ANNUAL EXPENDITURE DURING
PROJECTED YEAR:
Particulars year 1 year 2 year 3 year 4 year 5
Receptionist 72000 72000 72000 72000 84000
Trainers 288000 360000 432000 504000 576000
Electricity 12000 13000 14500 14500 15000
fuel charges 24000 20000 22000 5311 7000
Rent 408000 420000 432000 432000 432000
repairs and maintenance 60000 24000 30000 35000 20000
marketing
&advertisement
9000 8000 7500 5000 6000
lighting fitting 23000 0 15000 0 15000
Total 896000 917000 1025000 1067811 1155000
23. 23
Notes:
Trainers and salaries of trainers will increase in second by add one additional
trainers and salary increaseby 10%.
Electricity bills increasing 1500 every year.
Marketing and Advertising increase by Rs.500 and respectively.
Lighting and Fitting will increaseas in third year and fifth year we have2 new
air conditions and fans to give a good temperature to gymarea.
Fuel charges decrease and increase with related situation.
Rent increaseby Rs. 1000 every year as per agreement.
Repair and maintenance increasing due related condition.
Revenue for projectedperiod:
We have three plans for our customers to join the club
One year plan = Rs.10000
Six month plan = Rs.5000
Three months plan =Rs. 2500
24. 24
Revenue for the first year:
Starting of business: Oneyear plan - 40 customers
10000*40=40000
Starting of business: Six months plan - 60 customers
5000*60*2=600000
Starting of business: Three month plan - 70 customers
2500*70*4=700000
For other customers wehave one month plan for one year = 30000
Total revenue for the first year = 1730000
Due to the growing business thecustomers will also increase and will effect on
revenue according to the years.
25. 25
Revenue for second year:
Starting of business: oneyear plan - 45 customers
10300*45=463500
Starting of business: one year plan - 65 customers
5300*65*2=689000
three months plan is starting of business wehave75 customers
2700*75*4=8100000
For other customers wehave one month plan for one year = 60000
Total revenue for Second year = 2022500
Due to the growing business thecustomers will also increase and will effect on
revenue according to the years.
26. 26
Revenue for third year:
Starting of business: oneyear plan - 50 customers
10300*50=515000
Starting of business: sixmonths plan - 70 customers
5300*70*2=742000
Starting of business: three month plan - 80 customers
2700*80*4=864000
For other customers wehave one month plan for one year = 60000
Total revenue for the third year=2181000
Due to the growing business thecustomers will also increase and will effect on
revenue according to the years.
27. 27
Revenue for fourth year:
Starting of business : one year plan - 55 customers
10300*55=566500
Starting of business : six months plan - 75 customers
5300*75*2=795000
Starting of business : three months plan - 88 customers
2700*88*4=950400
For other customers wehave one month plan for one year = 60000
Total revenue for fourth year= 2371900
Due to the growing business thecustomers will also increase and will effect on
revenue according to the years.
28. 28
Revenue for fifth year:
One year plan is starting of business wehave 60 customers
10300*60=618000
Six month plan is starting of business wehave75 customers
5300*75*2=795000
Three months plan is starting of business wehave 95 customers
2700*95*4=1026000
For other customers wehave one month plan for one year = 60000
Total revenue for fifth year= 2499000
Due to the growing business thecustomers will also increase and will effect on
revenue according to the years.
29. 29
Revenue schedule for five years:
Year Year 1 Year 2 Year 3 Year 4 Year 5
Amount 1730000 2022500 2181000 2499000 10804400
30. 30
What is EMI ?
Equated Monthly Installment – EMI for short – is the amount payable every
month to the bank or any other financial institution until the loan amount is fully
paid off. It consists of the interest on loan as well as part of the principal amount to
be repaid. The sum of principal amount and interest is divided by the tenure, i.e.,
number of months, in which the loan has to be repaid. This amount has to be repaid
monthly. The interest component of the EMI would be larger in the initial months
and gradually reduce when compared to the principal amount. The exact
percentage allocated towards payment of the principal depends on the interest rate.
Even though your monthly EMI payment won’t change, the proportion of principal
and interest components will change with time. With each successivepayment,
you’ll pay more towards the principal and less in interest.
Here’s the formula to calculate EMI:
Where,
E is EMI
P is Principal Loan Amount
r is rate of interest calculated on monthly basis. (i.e., r = Rate of Annual
interest/12/100. If rate of interest is 10.5% per annum, then r =
10.5/12/100=0.00875)
n is loan term / tenure / duration in number of months
37. 37
Income statement, Profit & Loss A/c:
Particulars year 1 2 3 4 5
Revenue From the
Project 1730000 2022500 2181000 2371900 2499000
Less Expenses 896000 917000 1025000 1067811 1155000
PBDIT 834000 1105500 1156000 1304089 1344000
less Depreciation 127850 18294 13865 11178 9409
Less Interest 1,22,873 1,02,228 78,382 50,839 19,025
Less Preliminary
Expenses 3879 3879 4000 4000 4000
PBT 5,79,398 9,81,099 10,59,753 12,38,072 13,11,566
Less TAX @ 30% 1,73,819 2,94,330 3,17,926 3,71,422 3,93,470
Net Profit 4,05,578 6,86,769 7,41,827 8,66,651 9,18,096
38. 38
Cash flow statement:
Particulars year 1 2 3 4 5
Op balance 0 5,13,141 10,68,272 16,50,306 22,75,245
Revenue 17,30,000 20,22,500 21,81,000 23,71,900 24,99,000
Own Capital 3,88,650
bank Loan 9,06,850
Total 3025500 2535641.181 3249271.927 4022206.404 4774245.115
Less: Cash Outflow
Fixed
Assets 11,80,500
Instalments 2,56,040 2,56,040 2,56,040 2,56,040 2,56,040
Tax paid 1,73,819 2,94,330 3,17,926 3,71,422 3,93,470
op Exp 8,96,000 9,17,000 10,25,000 11,19,500 11,55,000
Reg Charge 6,000
Total 25,12,359 14,67,369 15,98,966 17,46,961 18,04,509
Closing
Balance 5,13,141 10,68,272 16,50,306 22,75,245 29,69,736
39. 39
Balance Sheet:
Particulars year 1 2 3 4 5
Own Capital 3,88,650 5,97,067 10,83,374 18,31,608 27,00,604
Bank Loan 9,06,850 7,61,696 6,06,026 4,26,221 2,18,541
Net Profit 4,05,578 6,86,769 7,41,827 8,66,651 9,18,096
Total 17,01,078 20,45,532 24,31,227 31,24,480 38,37,241
Assets
Fixed Assets 1180500 824545 810680 799502 790093
Current Assets 0 0 0 0 0
Cash In hand 5,14,578 12,20,987 16,20,547 23,24,978 30,47,148
Registration
Charges 6000 0 0 0 0
Total 17,01,078 20,45,532 24,31,227 31,24,480 38,37,241
Difference 0 0 0 0 0
40. 40
Ratio analysis:
Net profit ratio:
Net profit ratio = net profit/net sales*100
Particulars year 1 2 3 4 5
Sales 17,30,000 20,22,500 7,48,234 8,68,856 9,19,802
Net profit 4,05,578 6,86,769 21,81,000 23,71,000 24,99,000
Ratio 0.23 0.34 2.91 2.73 2.72
41. 41
Debt equity ratio:
Debt equity ratio = long term debt/ proprietor’s fund
Debt 9,06,850 7,61,696 6,06,026 4,26,221 2,18,541
Own Fund 3,88,650 5,97,067 10,83,374 18,31,608 27,00,604
Ratio 2.33 1.28 0.56 0.23 0.08
42. 42
DSCR ratio = net profit after tax+depreciation+interest/interest+installment
PAT 4,05,578 6,86,769 7,41,827 8,66,651 9,18,096
Depreciation 1,27,850 18,294 13,865 11,178 9,409
Interest 1,22,873 1,02,228 78,382 50,839 19,025
Total 6,56,302 8,07,291 8,34,074 9,28,667 9,46,530
Interest 1,22,873 1,02,228 78,382 50,839 19,025
Installment 2,56,040 2,56,040 2,56,040 2,56,040 2,56,040
Total 3,78,913 3,58,268 3,34,421 3,06,878 2,75,065
Ratio 1.73 2.25 2.49 3.03 3.44
43. 43
Debt service coverage ratio:
Debt service coverageratio=PBID/annualrepayment
Particulars year 1 2 3 4 5
PBID 8,34,000 11,05,500 11,56,000 13,04,089 13,44,000
Repayment
Of loan 2,56,040 2,56,040 2,56,040 2,56,040 2,56,040
Ratio 3.26 4.32 4.51 5.09 5.25
46. 46
BIBLIOGRAPHY:
1. Financialstatements are basedon assumption given earlier:
I. Initial sources and application of fund
II. Profitability statement
III. Cashflow statement
IV. Balance sheet
V. Depreciation
VI. Repayment of loan
2. Websites:
www.google.com
www.fitness-world.com
www.sbhyd.com
www.onlinesbh.com