E-Kiryana Technologies is a proposed mobile app that allows small neighborhood grocery store owners (kiryana stores) to purchase wholesale inventory and have it delivered. The founders aim to address issues kiryana stores face with visiting physical markets and experiencing cash shortages. The app will offer a buy now pay later feature along with credit facilities and next day delivery of over 500 stock keeping units. Initial funding of $300,000 is proposed to develop the app, lease a warehouse, and cover other startup costs. Financial projections estimate the business can break even within a year and become profitable within 3 years of operations. Success will depend on attracting enough kiryana stores as customers and ensuring smooth fulfillment of delivery orders.

1. Project Appraisal – E-Kiryana Technologies
Presented by:
Abdullah
Adil
Khansa Abdul Ghafoor
Payal

2. E-Commerce Industry in
Pakistan
• Rapid growth due to mobile devices and
electronic devices
• Introduction of the 3G and 4G internet
• Commerce market of Pakistan posted a
growth of over 35% which is 96 Billion
• Karachi, Lahore, and Islamabad

3. Problem Statement
The small Kiryana store owner’s facing issues
while purchasing products at a wholesale. For
this they need to spare time to visit the local
market or big retailers which results a loss in
business.
Another issue that Kiryana store owners are
facing is the shortage of cash.

4. Sponsors of Project
Sponsor’s
Name
Shareholding In
the company
Background Experience Business
Understanding
Financial
Resources
Credit
Worthiness
Abdullah 25% Bachelors In
Computer Science
and MBA in
Marketing
Experience in the E-
commerce industry.
Business and computer
science background Self-funding at the
initial stage then
raise capital from
SoSV (Fintech
Company)
A-
Adil 25%
Master’s in Computer
Science
Experience in
Exchange Trader.
Computer science
background Partner
A-
Khansa 25% Bachelors in
computer science and
MBA Finance.
Experience in Fintech
Industry
Business and computer
science background
A-
Payal 25% MBA in Finance Experience in Fintech Business background A-

5. E-Kiryana Technologies
• E-Kiryana Technologies is a mobile
based application
• Buy Now pay Later facility
• Credit Facility for up to 45-50 days
• Offering a wholesale inventory of more
than 2000 stock keeping unity.
• Next Day delivery
• Low Prices and more than 500 SKU.
• Market Place Model.

6. E-Kiryana Technologies
Gross and Net Capacity
• Net capacity would be 3 thousands units and gross capacity 500 units.
Initial Cost
• $300,000
Location
• Ocean Mall

7. Proposed Management Structure of the Company

8. Market Prospects
• This sector contributes approximately 20%
to the national GDP.
• currently employing 15% of the labor force
(second largest employer in Pakistan)
• There are almost 200 million retailers in
Pakistan including 0.8 million FMCG modern
trade and general trade channels.
• Retail sector of Pakistan consists of modern
trade & Traditional trade.
• Pakistan is a fifth highest populated country
with 220 million population, which means
that there is a huge potential in the retail
market because of the increasing consumers

9. MARKET PROSPECTS

10. Market Prospects
• According to the Access to
Financing report which was
published in 2020, it is
mentioned that the borrowing in
Sindh is increased by 37%,
Baluchistan 20%, Punjab 12%
and Khyber Pakhtunkhwa 5%
• 55% of the borrowers prefer
monthly frequency to repay the
loan

11. Gaps in Past

12. Prices; key suppliers & quantity of supply

13. Forecast of future (5-10 years) demand & supply
• Kiryana stores in Pakistan = 700,000
• We will be serving 30,000 kiryana stores based in Karachi, we will
have 500 SKUs
• Quantity demanded (our production capacity) = 720,000 (2000 per
day so 30 days 60,000 and annually 720,000)

14. Gaps to be available in future
demand and supply
 Forecasted sales in the demand projection may vary.
 Because of the increasing rate of inflation, the consumers may not spend as much as
they are spending currently.
 There may be any change in the economic factors of the country which can affect the
supply and demand of the products.
 The company may have the competitors in future.

15. Project Cost and Means of Financing
• The feasibility for the project is developed making initial cost of all
items including:
• Application development
• Warehouse
• Webhosting
• General store customers
• Office Space
• Sales and Marketing

16. Financial Appraisal
• Cost
• Sensitivity Analysis
• Expenditure
• Returns on Investment
• NPV
• IRR

17. Break-even Analysis
• Forecasted expenses and costs monthly break-even analysis shows in
the following.

18. Capital Cost / Initial Investment
Break-up

19. Sensitivity Analysis
Best Case: $120,000

20. Project Cost
• Project Running Cost
• Cost Comparison
• Fixed and General Costs
- Payroll
- Office
- General and administrative
- Development costs
- Insurance
- Utilities
• Total Cost yearly

21. Operating & Financial Results
• OPERATING & FINANCIAL RESULTS (PROJECTED INCOME)

22. Operating & Financial Results
PROJECTED INCOME

23. Operating & Financial Results
• Projected Cash Flow
- Cash Flow Statement
- Net Cash Flow
- Cash Balance
• Projected Cashflow of
beginning year monthly wise.

24. Operating & Financial Results
• Balance Sheet
- Assets
- Liabilities and Capital
- Net Worth
• Ratio Analysis
- Current Ratio
- Quick Ratio
- Total Debt to Total Assets Ratio
• Sales Growth and Sales Forecast
• Percent of Total Assets & Percent of Sales
• Net Profit Margin

25. Criteria for Application
selection
• Web server required for application
• App must be fast, reliable and secure
• It will have easy layout
• Designed in both English and Urdu
• Important information of retailer will be
saved upon sign up
• 24/7 assistance and backup server to
prevent inactivity

26. Criteria for warehouse
selection
• Decent sized to accommodate large no.
of orders
• Located in an easily accessible area
• Located in a less humid area
• Must be made sure that there is no pest
problem in the area
• Should be near a big road where trucks
can easily load and unload
• Continuous supply of electricity to
power heating and cooling

27. Location of warehouse
• It is easy to access most areas of
Karachi from Superhighway due to the
Express way.
• It is also the least humid area of
Karachi.
• Comparatively property rent is cheaper
in this area
• Truck can easily have access to this
location
Gadap Town, Superhighway, Karachi

28. Facilities required at
warehouse
• Employee and visitor parking area
• Compartmentalization to store 4 types of
goods
• Basic products that require no care
• Fragile items that require care
• Cold products that require cooling
• Liquid products
• Dock equipment such as loading
machines, safety lights etc
• Electrical equipment such as packaging
machine, stamps, heating and cooling.
• Fire safety equipment
• Labor area such as bathroom,
breakroom and lockers

29. Conclusion &
Recommendation
• E-Kiryana differs itself by
introducing “Buy Now, Pay Later”
feature.
• This key feature will attract a lot of
retailers and help increase in
demand
• In a competitive market, its difficult
to differentiate yourself. However,
E-Kiryana Technologies has
managed to be able to differentiate
itself from the rest of the
competition

30. Conclusion &
Recommendation
An experienced manager can be hired to ensure the optimal function
of the business
• Sales Manager
• Success largely dependent on sales manager
• Must have knowledge of the needs of retailers
• Ensure smooth flow of distribution
• Finance Manager
• Most retailers would buy on credit
• To smoothen this transaction, a good finance manager would deal with banks.
• Would be required to manage cash flows due to late payments by retailers
Customer dealing and satisfaction
• Delivery service
• One of the only person to have direct contact with retailers
• Should be trained on how to properly represent the business
• Must be aware of all the locations of Karachi to ensure customer satisfaction

31. THANK YOU