Shakti is a proposed rural retail chain and microfinance business that aims to provide financial services and market access to rural poor in Gujarat, India. The business will form self-help groups and provide microloans, retail products, and skill training. It plans to establish a three-tier rural retail structure of village, block, and district-level service centers to serve a target market of low-income households. The entrepreneur has over 10 years of experience in microfinance and rural development. Financial projections estimate the business will become profitable within 3 years and serve over 9,000 active clients within 5 years.

1. Shakti: Rural Retail Chain Swadesh Kumar Saxena Startup Srijan Microfinance Business Plan Competition Final Round Presentations, July 3 rd , 2008 Please insert your logo here

4. Business Proposition Please insert your logo here SHAKTI is an innovative integrated marketing concept with group based approach SHAKTI is creating linkages between supply and demand SHAKTI is creating channel up to BOP

6. Products Fee Based Research and consultancy Knowledge dissemination 8 Fee Based Remittance ,rehabilitation, health, child care etc. Migrant support 7 Fee Based Market Linkages, Micro Finance Fee Support for setting up production units NABARD/ZP Training for income generation Poorest of poor services 6 Fee (margin) Saplings selling Fee (margin) Nursery Development Environment Development 5 Fee (margin) Trading of vegetables Fee (margin) Trading of agri commodities Fee (margin) Trading Trading/Market linkages 4 Fee (margin) Food joints with retail shops Fee (margin) Mobile Van Fee( margin) Retail Marketing Retail/Market Linkages 3 Fee Based Technical Input to farmers Fee Based Agro Input supply Agriculture Promotion 2 Interest Urban Microfinance Fee Based Fee Based Financial services Interest Micro Finance NABARD/ZP SHG/FC formation/Training Micro Finance 1 Revenue Type Activities Broad Areas S.No.

7. Products and services Commodity investment Personal loan Equity investment Loan against agri commodity Financial awareness Trading of agri commodities Savings(BC Model) Education Loan Education Cooked food Tiffin Investment MF/FDs etc. Housing Loan Health awareness FMCG Insurance Consumer Loan Income generation trainings Agriculture inputs Remittance Enterprise Loan Non commercial Commercial activities Fee Base Fund base Non Financial services Financial Services

11. Areas of Operation Please insert your logo here SHAKTI

12. SWOT Analysis Threat Rainfall scanty/excess Migration Changes in legislation for MF Pressure to reduce interest rate Decreasing trust among people Opportunity Growing retail sector High demand Awareness about micro finance and SHGs Border of three states Rajasthan, MP and Gujarat Traditional art & handicrafts rich state Rural area neglected till now Weakness Start up Lack of quality human Resources Increasing unemployment at BOP Slow agriculture sector growth Increasing cost of agri inputs Low literacy rate in operation area Competition Strength Experienced and dedicated Management Innovative Business Model Experienced & dedicated Team Good systems & robust MIS Low operation cost Wide range of product and services Community participation and development Network and support from reputed institutions Professional association Strong brand flexibility of Products and services Simple procedures of Operations Market research capacity

14. Financial Analysis Please insert your logo here

15. Growth Projections 32320000 32070000 25620000 17670000 10000000 Working capital for Micro Finance 100000 200000 200000 200000 200000 Debt requirement 14 18 23 18 14 Debt equity ratio 18 14 12 10 11 ROA (%) 2466962 2458091 1894110 902155 654200 PAT 6 29 50 110 CAGR(%) 21500000 20300000 15750000 10500000 5000000 Loan Out standing 2600 2600 2400 2400 2200 Average loan size 9600 9600 7200 4800 2400 No of members 9120 9120 6840 4560 2280 NO of Active clients 2 2 1 1 0 Number of SSK(D) 4 4 3 2 1 Number of SSK(B) 160 160 120 80 40 Number of SSK(V) 5th Year 4th year 3rd Year 2nd Year 1st Year Particulars

16. Growth Please insert your logo here

17. Management and Human Resources Please insert your logo here A team of seasoned experienced dedicated professionals, academicians and practitioners from reputed institutes with help of dedicated experienced field staff will implement the idea. We have HR policy to retain best talent of industry

18. Management and Human Resources Please insert your logo here Business Planning Business Planning 16 Accounts & record maintenance Accounts & record maintenance 15 Networking & coordination of SSK(B) Networking & coordination of SSK(V) Business Planning 14 Brand Building Brand Building Accounts & record maintenance 13 Awareness Awareness Brand building 12 Networking Networking Awareness creation 11 Identification of new business Identification of new business Production of goods 10 Retail store& Food chain Retail store Identification of new business 9 Conduct Training Training arrangements Need identification for training 8 Financial services hub Financial services hub Financial services demand creation 7 Agri commodity procurement& trade Agri commodity procurement Agri commodity procurement 6 Agri input demand creation& supply Agri input demand creation& supply Agri input demand creation 5 Supply goods to SSK(B) as per demand Supply goods to SSK(V) as per demand Retail demand creation 4 Loan application forwarding Loan application forwarding Loan application forwarding 3 Installment collection Installment collection Installment collection 2 Loan disbursement Loan disbursement Loan disbursement 1 Task to be perform PO, IC AM (retail), AM (credit), PO, IC AM (Credit), AM (Retail),IC, PO Monitoring& assistance PO AM (retail), AM (credit) FDO Immediate monitoring SSK(D) manager SSK(B) manager SSK(V) manager (Part time) Managed by SSK(D) SSK(B) SSK(V)

19. Organogram Board of Directors Advisory Board Director PO AM(Credit) AM(Retail) FDO 1 SSK(B) FDO 4 SSK(V)M(1) SSK(V)M ( 12) Head Accounts Accountant s Internal Control