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Pre-Feasibility Study

(Inland Fish Farming)

Small and Medium Enterprises Development Authority


Ministry of Industries & Production
Government of Pakistan
www.smeda.org.pk
HEAD OFFICE
4th Floor, Building No. 3, Aiwan-e-Iqbal Complex, Egerton Road,
Lahore
Tel: (92 42) 111 111 456, Fax: (92 42) 36304926-7

helpdesk@smeda.org.pk
REGIONAL OFFICE
Punjab

REGIONAL OFFICE
Sindh

REGIONAL OFFICE
Khyber Pakhtunkhwa

REGIONAL OFFICE
Balochistan

3rd Floor, Building No. 3,


Aiwan-e-Iqbal Complex,
Egerton Road Lahore,
Tel: (042) 111-111-456
Fax: (042) 36304926-7
helpdesk.punjab@smeda.org.pk

5TH Floor, Bahria


Complex II, M.T. Khan Road,
Karachi.
Tel: (021) 111-111-456
Fax: (021) 35610572
helpdesk-khi@smeda.org.pk

Ground Floor
State Life Building
The Mall, Peshawar.
Tel: (091) 111-111-456
Fax: (091) 5286908
helpdesk-pew@smeda.org.pk

Bungalow No. 15-A


Chaman Housing Scheme
Airport Road, Quetta.
Tel: (081) 2831623, 2831702
Fax: (081) 2831922
helpdesk-qta@smeda.org.pk

Note: All SMEDA Services / information related to PM's Youth Business Loan are Free of Cost
December, 2013

Pre-feasibility Study

Inland Fish Farming

Table of Contents
1.

DISCLAIMER ..................................................................................................................................................... 2

2.

PURPOSE OF THE DOCUMENT .................................................................................................................. 3

3.

INTRODUCTION TO SMEDA ......................................................................................................................... 3

4.

INTRODUCTION TO SCHEME ...................................................................................................................... 4

5.

EXECUTIVE SUMMARY ................................................................................................................................. 4

6.

BRIEF DESCRIPTION OF PROJECT & PRODUCT .................................................................................. 4

7.

CRITICAL FACTORS....................................................................................................................................... 5

8.

INSTALLED & OPERATIONAL CAPACITIES ............................................................................................ 5

9.

GEOGRAPHICAL POTENTIAL FOR INVESTMENT ................................................................................. 6

10.

POTENTIAL TARGET MARKETS ................................................................................................................. 6

11.

PRODUCTION PROCESS FLOW ................................................................................................................. 6

12.

PROJECT COST SUMMARY ......................................................................................................................... 6

12.1
PROJECT ECONOMICS................................................................................................................................ 7
12.2
PROJECT FINANCING .................................................................................................................................. 7
12.3
PROJECT COST .......................................................................................................................................... 7
12.4
SPACE REQUIREMENT ................................................................................................................................ 7
12.5
MACHINERY AND EQUIPMENT .................................................................................................................... 8
12.6
FURNITURE & FIXTURES ............................................................................................................................ 8
12.7
HUMAN RESOURCE REQUIREMENT ........................................................................................................... 8
12.8
REVENUE GENERATION ............................................................................................................................. 8
13. CONTACT DETAILS OF EXPERTS AND CONSULTANTS ..................................................................... 9
14.

ANNEXURES................................................................................................................................................... 10

14.1 PROFIT AND LOSS STATEMENT .............................................................................................................. 10


14.2 BALANCE SHEET .......................................................................................................................................... 11
14.3 CASH FLOW ................................................................................................................................................... 12
14.4 USEFUL PROJECT MANAGEMENT TIPS ................................................................................................ 13
14.5 USEFUL LINKS............................................................................................................................................... 13
15.

KEY ASSUMPTIONS ..................................................................................................................................... 14

1. DISCLAIMER
This information memorandum is to introduce the subject matter and provide a general
idea and information on the subject. Although, the material included in this document is
based on data / information gathered from various reliable sources; however, it is based
upon certain assumptions which may differ from case to case. The information has been
provided on an as is where is basis without any warranties or assertions as to the
correctness or soundness thereof. Although, due care and diligence has been taken to
compile this document, the contained information may vary due to any change in any of
the concerned factors, and the actual results may differ substantially from the presented
information. SMEDA, its employees or agents do not assume any liability for any
financial or other loss resulting from this memorandum in consequence of undertaking
this activity. The contained information does not preclude any further professional
advice. The prospective user of this memorandum is encouraged to carry out additional
diligence and gather any information which is necessary for making an informed
decision; including taking professional advice from a qualified consultant / technical
expert before taking any decision to act upon the information.
For more information on services offered by SMEDA, please contact our website:
www.smeda.org.pk

SMEDA Services / Information related to PMs Youth Business Loan are FREE OF COST -

2. PURPOSE OF THE DOCUMENT


The objective of the pre-feasibility study is primarily to facilitate potential entrepreneurs
in project identification for investment. The project pre-feasibility may form the basis of
an important investment decision and in order to serve this objective, the
document/study covers various aspects of project concept development, start-up,
production, marketing, finance and business management.
The purpose of this document is to facilitate potential investors in Inland Fish Farming
Business by providing them with a general understanding of the business, with the
intention of supporting potential investors in crucial investment decisions.
The need to come up with pre-feasibility reports for undocumented or minimally
documented sectors attains greater imminence as the research that precedes such
reports reveal certain thumb rules; best practices developed by existing enterprises by
trial and error, certain industrial norms that become a guiding source regarding various
aspects of business set-up and its successful management.
Apart from carefully studying the whole document, one must consider critical aspects
provided later on, which form the basis of investment decisions.

3. INTRODUCTION TO SMEDA
The Small and Medium Enterprises Development Authority (SMEDA) was established in
October 1998 with an objective to provide fresh impetus to the economy through
development of Small and Medium Enterprises (SMEs).
With a mission "to assist in employment generation and value addition to the national
income, through development of the SME sector, by helping increase the number, scale
and competitiveness of SMEs" , SMEDA has carried out sectoral research to identify
policy, access to finance, business development services, strategic initiatives and
institutional collaboration and networking initiatives.
Preparation and dissemination of prefeasibility studies in key areas of investment has
been a hallmark of SME facilitation by SMEDA.
Concurrent to the prefeasibility studies, a broad spectrum of business development
services is also offered to SMEs by SMEDA. These services include identification of
experts and consultants and delivery of need based capacity building programs of
different types in addition to business guidance through help desk services.

SMEDA Services / Information related to PMs Youth Business Loan are FREE OF COST -

4. INTRODUCTION TO SCHEME
Prime Ministers Youth Business Loan program, for young entrepreneurs, with an
allocated budget of Rs. 5.0 Billion for the year 2013-14, is designed to provide
subsidised financing at 8% mark-up per annum for one hundred thousand (100,000)
beneficiaries, through designated financial institutions, initially through National Bank of
Pakistan (NBP) and First Women Bank Ltd. (FWBL).
Loans from Rs. 0.1 million to Rs. 2.0 million with tenure up to 8 years inclusive of 1 year
grace period, and a debt: equity of 90: 10 will be disbursed to SME beneficiaries+
across Pakistan, covering; Punjab, Sindh, Khyber Pakhtunkhwa, Balochistan, Gilgit
Baltistan, Azad Jammu & Kashmir and Federally Administered Tribal Areas (FATA).

5. EXECUTIVE SUMMARY
Inland Fish Farming Business is proposed to be located primarily in a warm area,
having a water temperature range of 5 - 30 degrees Centigrade. It is suggested that the
farms may be established in Sibi, Jacobabad or any other place, having similar
attributes.
Fish is a nutritious product, widely consumed around the world. In addition, fish is also
used in the medicine industry. All such factors contribute towards making fish farming a
viable project for investment.
The project will start operations with 18,000 fish of different ages, for the first 9 month
cycle with survival rate of 80%.
Total cost estimate is Rs. 2.20 million, with fixed investment of Rs. 0.8 million and
working capital amounting to Rs. 1.40 million.
Given the cost assumptions, IRR and Payback are 52% and 2.80 years respectively.
The most critical considerations or factors for success of the project are:
1. Healthy and certified seedlings
2. Ample supply of water

6. BRIEF DESCRIPTION OF PROJECT & PRODUCT


Following key parameters must be addressed according to the pre-feasibility study:

Techniques: Three different techniques are used for inland fish farming.
However, keeping in view the economical, technical and managerial factors, a
semi-intensive fish farming technique is suggested for the proposed project.

SMEDA Services / Information related to PMs Youth Business Loan are FREE OF COST -

Location: The project would be located in Sibi, Naseer Abad, Jaffar Abad
(Balochistan) or warm areas that provide suitable environment/water temperature
range i.e. between 5-30 degree centigrade.

Product: Fish is not only used in a wide range of traditional to modern dishes,
but is also sold as a canned product. In addition, fish is also used in the medicine
industry.

Target Market: In addition to major cities, such as Quetta, Karachi, Lahore and
Islamabad, there is an enormous export potential for Middle Eastern countries.

Employment Generation: The proposed project will provide direct employment


to 5 individuals.

7. CRITICAL FACTORS
The commercial viability of the proposed project depends on the following factors:

Selection of proper location with water, equipment and staff play an important
role in ensuring that the project runs successfully.
Farm should be positioned away from agricultural activities in order to avoid
spray application of pesticides.
Elevation is required for easy desiccation, during the off season.
Healthy certified seedlings must be purchased from certified dealers.
To attract larger number of customers, the product must meet basic/minimum
quality standards.
Each farm should maintain a written health and welfare program, for elimination
of diseases and quality production.
Farm should have a whole sale distribution network of its final product.

8. INSTALLED & OPERATIONAL CAPACITIES


The project will start operations with 18,000 fish of different ages, for the first 9 month
cycle. The proposed fish species for the said project are Thaila, Moraka and Rohu.
These species provide an ideal mix for farm management, due to their feeding pattern.
Rohu feeds near the water surface, Thaila in the middle and Moraka takes feed from the
bottom. This pattern also provides an efficient utilization of feeds and prevents feed
losses. The recommended ratio of these species is Rohu (40%), Thaila (30%) and
Moraka (30%) respectively.

SMEDA Services / Information related to PMs Youth Business Loan are FREE OF COST -

9. GEOGRAPHICAL POTENTIAL FOR INVESTMENT


The proposed location for establishment of the fish farms will primarily be warm areas
that provide suitable environment, with a water temperature range of 5-30 degree
centigrade. It is suggested, that the farms may be established in Sibi, Jaffarabad,
Naseerabad (Baluchistan) or any other place, having similar attributes.
The marketing of fish follows the traditional distribution channel, through middlemen or
wholesalers, who will identify potential buyers and negotiate price, or sell directly to
retailers in urban markets. The time spent in transportation, from the farm to the retail
shop, varies from area to area. Over the years, collection and transportation of fish has
improved with the use of loader vehicles. However, greater the distance between the
farm and consumer, the more complicated will be the marketing or distribution system,
due to the perishable nature of the product. The most important factor to take care for
marketing is the availability of current market information of fish supply and demand,
which will determine the selling price.

10.

POTENTIAL TARGET MARKETS

The target customers for fish are households, hotels, restaurants and pharmaceutical
companies. Production, trade and utilization of fish has been increasing dramatically in
the world. Fish industry trade is expected to reach $130 billion by the end of 2013. In
2007, USA was the largest consumer of fish with imports worth US$ 13.63 billion. Japan
followed as second major importer with US$11.38 billion, whereas, Spain stood at third
position with imports of US$ 6.98 billion.

11.

PRODUCTION PROCESS FLOW

The overall production cycle for the inland fish farming comprises of 8-9 months, subject
to the life/age of the seedlings (species). In case of fresh seedlings (with an age of less
than 20 days), the production cycle will take 9 months to achieve the desired output.
Keeping in view the economical prospective, it is suggested that fish with different ages
may be used for different ponds.

12.

PROJECT COST SUMMARY

A detailed financial model has been developed to analyze the commercial viability of
Inland Fish Farming under the Prime Ministers Youth Business Loan program. Various
costs and revenue related assumptions, along with results of the analysis, are outlined
in this section.
The projected Income Statement, Cash Flow Statement and Balance Sheet are
attached as annexures.

SMEDA Services / Information related to PMs Youth Business Loan are FREE OF COST -

12.1

Project Economics

All figures in the financial model have been calculated, for 18,000 units of fish on 4
acres of land. The following table shows internal rates of return and payback period.
Table 1 - Project Economics
Description
Internal Rate of Return (IRR)
Payback Period (yrs)
Net Present Value (NPV)

Details
52%
2.80
Rs.10,026,520

Factors that influence the profitability of Inland Fish Farm are farm management,
selection of fish seedlings, proper feeding and care of oxygen in ponds.
12.2

Project Financing

Following table provides details of the equity required and variables related to bank
loan;
Description
Total Equity (10%)
Bank Loan (90 %.)
Markup to the Borrower (%age/annum)
Tenure of Loan (Years)
Grace Period (Years)

12.3

Details
Rs. 219,500
Rs. 1,975,500
8%
8
1

Project Cost

Following requirements have been identified for operations of the proposed business.
Table 1: Capital Investment for the Project
Capital Investment
Total Capital Cost
Initial Working Capital
Total Project Cost

12.4

Amount (Rs.)
7,52,500
1,442,500
2,195,000

Space Requirement

Total area required for the Inland Fish Farming is 4 acres of land that comprises of 3
ponds, office building, guard room and open space.
Space Requirement (Sq. ft.)
Office Building cum Store
Construction of 3 Ponds
Land Advance Rent
Total

Cost/ Unit
600
25,000

Area (Sq. ft.)


150
-

Total Cost
90,000
75,000
100,000
265,000

SMEDA Services / Information related to PMs Youth Business Loan are FREE OF COST -

12.5

Machinery and Equipment

Following table provides list of machinery and equipment required for Inland Fish Farm.
Description

No

Pumps, Filter & Piping


Net
Electricity Charges

Total Price (PKR)


162,500
50,000
25,000

Misc. Expense

150,000

Total

387,500

Main equipment for Inland Fish Farming is provided in the table given above. Fish
farming does not require special equipment or machinery etc.
12.6

Furniture & Fixtures


Description

Total Cost (Rs)


100,000

Office equipment

12.7

Human Resource Requirement

Description
Owner/manager

No. of Employees
1

Supervisor
Labour @ Rs. 10,000 / person
Guard
Total Staff

Salary per month (RS)

1
2
1
5

25,000
12,000
20,000
10,000
67,000

The table above provides details of human resource required to manage basic fish farm.
The staff salaries are estimated according to the market trends. However, these
requirements and pay scales may vary across different areas.
12.8

Revenue Generation

The capacity of farm is 14,400 units of fish for first year with 80% of total capacity
utilization with revenue of 4.6 million.
Product
Fish
Total Sales Revenue

Unit
No.

Sales Price
(Rs./Unit)
325

First Year
Production
14,400

First Year
Revenue (Rs)
4,680,000
4,680,000

SMEDA Services / Information related to PMs Youth Business Loan are FREE OF COST -

13.

CONTACT DETAILS OF EXPERTS AND CONSULTANTS

Prof. Dr. Muhammad Ashraf


Chairman
Dept. of Fisheries and Aquaculture,
University of Veterinary and Animal Sciences,
Out Fall Road, Lahore
Ph: 042-99213510, 049-4422102 (Ravi Campus Pattoki)
Cell No. 0300-7627688

Dr. Abdul Rab


Program Leader/ PSO
Aquaculture and Fisheries Program
National Agricultural Research Centre
Park Road, Islamabad
Tel: 051 9255061, 051 9255012

Muhammad Ashraf
Director General Fisheries
Department of Fisheries, Government of Punjab
2- Sanda Road Lahore
Ph: 042-99212374-75 & 79

Director General
Department of Fisheries
Govt. of Balochistan, Quetta
Ph: 081-9211587

SMEDA Services / Information related to PMs Youth Business Loan are FREE OF COST -

14.

ANNEXURES

1 4 .1

PROFIT AND LOSS STATEMENT


Income Statement

Projected Income Statement (Rs.)

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Revenue
Bed Debt Expenses
Net (Adjusted Sales)

4,680,000
46,800
4,633,200

5,405,400
54,054
5,351,346

6,243,237
62,432
6,180,805

7,210,939
72,109
7,138,829

8,328,634
83,286
8,245,348

9,619,573
96,196
9,523,377

11,110,606
111,106
10,999,500

12,832,750
128,328
12,704,423

14,821,827
148,218
14,673,608

17,119,210
171,192
16,948,018

Cost of Sales

3,494,800

3,869,030

4,284,519

4,745,988

5,258,722

5,828,640

6,462,376

7,167,372

7,951,975

8,825,557

Cost of fry
Cost of Feed
Salaries (Production Staff)
Utilities
Gross Profit
Gross Profit Margin

450,000
2,332,800
504,000
208,000
1,138,400
25%

519,750
2,566,080
554,400
228,800
1,482,316
28%

600,311
2,822,688
609,840
251,680
1,896,285
31%

693,359
3,104,957
670,824
276,848
2,392,841
34%

800,830
3,415,452
737,906
304,533
2,986,626
36%

924,959
3,756,998
811,697
334,986
3,694,737
39%

1,068,328
4,132,698
892,867
368,485
4,537,124
41%

1,233,918
4,545,967
982,153
405,333
5,537,051
44%

1,425,176
5,000,564
1,080,369
445,866
6,721,633
46%

1,646,078
5,500,620
1,188,406
490,453
8,122,461
48%

General Administrative & Selling Expenses


Salaries
Factory/Office Miscellaneous Expenses
Rent Expense
Amortization of Preliminary Expenses
Depreciation Expense
Maintenance Expense
Pond Maintainence
Selling & Promotional Expense

300,000
120,000
100,000
30,000
50,250
11,875
25,000
46,332

330,000
132,000
105,000
30,000
45,225
11,875
26,250
53,513

363,000
145,200
110,250
30,000
40,703
11,875
27,563
61,808

399,300
159,720
115,763
30,000
36,632
11,875
28,941
71,388

439,230
175,692
121,551
30,000
32,969
11,875
30,388
82,453

483,153
193,261
127,628
29,672
11,875
31,907
95,234

531,468
212,587
134,010
26,705
11,875
33,502
109,995

584,615
233,846
140,710
24,034
11,875
35,178
127,044

643,077
257,231
147,746
21,631
11,875
36,936
146,736

707,384
282,954
155,133
19,468
11,875
38,783
169,480

Subtotal
Operating Income

683,457
454,943

733,863
748,453

790,398
1,105,887

853,619
1,539,222

924,158
2,062,468

972,730
2,722,007

1,060,142
3,476,981

1,157,302
4,379,748

1,265,231
5,456,402

1,385,077
6,737,383

Financial Charges (8% Per Annum)

158,040

150,112

131,904

112,185

90,829

67,700

42,652

15,525

Earnings Before Taxes


Tax
Net Profit

296,903
296,903

616,548
61,655
554,894

993,703
71,555
922,147

1,448,394
139,759
1,308,634

1,994,768
246,454
1,748,314

2,679,355
392,339
2,287,016

3,461,456
587,864
2,873,592

4,364,223
831,767
3,532,456

5,456,402
1,159,421
4,296,982

6,737,383
1,580,584
5,156,799

Monthly Profit After Tax

24,742

46,241

76,846

109,053

145,693

190,585

239,466

294,371

358,082

429,733

SMEDA Services / Information related to PMs Youth Business Loan are FREE OF COST -

10

1 4 .2

BALANCE SHEET

Balance Sheet
Projected Balance Sheet (Rs.)

Year 0

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

283,000
1,159,500
0
0
100,000

945,953
873,700
0
0
100,000

1,263,139
967,258
0
0
100,000

1,914,534
1,071,130
0
0
100,000

2,917,131
1,186,497
0
0
100,000

4,321,573
1,314,680
0
0
100,000

6,193,996
1,457,160
0
0
100,000

8,609,024
1,615,594
0
0
100,000

11,635,304
1,791,843
0
0
100,000

15,757,766
1,987,994
0
0
100,000

20,715,637
2,206,389
0
0
100,000

Total Current Assets

1,542,500

1,919,653

2,330,397

3,085,664

4,203,629

5,736,254

7,751,155

10,324,618

13,527,147

17,845,759

23,022,027

Fixed Assets
Plant Machinery & Facility
Factory Construction
Land
Furniture & Fixtures
Vehicle
Total Fixed Assets

237,500
165,000
0
100,000
0
502,500

213,750
148,500
0
90,000
0
452,250

192,375
133,650
0
81,000
0
407,025

173,138
120,285
0
72,900
0
366,323

155,824
108,257
0
65,610
0
329,690

140,241
97,431
0
59,049
0
296,721

126,217
87,688
0
53,144
0
267,049

113,596
78,919
0
47,830
0
240,344

102,236
71,027
0
43,047
0
216,310

92,012
63,924
0
38,742
0
194,679

82,811
57,532
0
34,868
0
175,211

Intangible Assets
Preliminary Expenses

150,000

120,000

90,000

60,000

30,000

2,195,000

2,491,903

2,827,422

3,511,986

4,563,319

6,032,975

Owner's Equity

219,500

516,403

1,071,297

1,993,444

3,302,078

Long Term Liability

1,975,500

1,756,125

1,518,543

Total Equity & Liabilities

2,195,000

2,827,422

3,511,986

Assets
Current Assets
Cash & Bank Balance
Raw Material Inventory
Finished Goods Inventory
Accounts Receivable
Advnace Rent

Total Assets

1,975,500
2,491,903

8,018,205

10,564,962

13,743,457

18,040,438

23,197,237

5,050,393

7,337,408

10,211,001

13,743,457

18,040,438

23,197,237

1,261,241

982,583

680,796

353,962

4,563,319

6,032,975

8,018,205

10,564,962

13,743,457

18,040,438

23,197,237

SMEDA Services / Information related to PMs Youth Business Loan are FREE OF COST -

11

1 4 .3

CASH FLOW
Cash Flow Statement

Projected Statement of Cash Flows (Rs.)

Year 0

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

0
0
0
-

296,903
50,250
30,000
0
285,800
0
662,953

554,894
45,225
30,000
0
(93,558)
0
536,561

922,147
40,703
30,000
0
(103,872)
0
888,977

1,308,634
36,632
30,000
0
(115,367)
0
1,259,899

1,748,314
32,969
30,000
0
(128,183)
0
1,683,100

2,287,016
29,672
0
(142,479)
0
2,174,209

2,873,592
26,705
0
(158,434)
0
2,741,863

3,532,456
24,034
0
(176,249)
0
3,380,242

4,296,982
21,631
0
(196,151)
0
4,122,462

5,156,799
19,468
0
(218,396)
0
4,957,872

(219,375)

(237,583)

(257,302)

(278,658)

(301,786)

(326,835)

(353,962)

(219,375)

(237,583)

(257,302)

(278,658)

(301,786)

(326,835)

(353,962)

Cash Flow From Operating Activities


Net Profit
Add: Depreciation Expense
Amortization Expense
(Increase) / decrease in Receivables
(Increase) / decrease in RM
(Increase) / decrease in FG Inventory
Net Cash Flow From Operations

Cash Flow From Financing Activities


Receipt of Long Term Debt
Repayment of Long Term Debt
Owner's Equity

1,975,500

Net Cash Flow From Financing Activities

2,195,000

219,500
0

Cash Flow From Investing Activities


Equipment
Factory/Office Furniture
Preliminary Operating Expenses
Purchase of Raw Material Inventory
Advance Rent
Construction & Renovation

(237,500)
(100,000)
(150,000)
(1,159,500)
(100,000)
(165,000)

Net Cash Flow From Investing Activities

(1,912,000)

283,000
0
283,000

662,953
283,000
945,953

317,186
945,953
1,263,139

651,395
1,263,139
1,914,534

1,002,597
1,914,534
2,917,131

1,404,442
2,917,131
4,321,573

1,872,422
4,321,573
6,193,996

2,415,028
6,193,996
8,609,024

3,026,280
8,609,024
11,635,304

4,122,462
11,635,304
15,757,766

4,957,872
15,757,766
20,715,637

NET CASH FLOW


Cash at the Beginning of the Period
Cash at the End of the Period

SMEDA Services / Information related to PMs Youth Business Loan are FREE OF COST -

12

1 4 .4

USEFUL PROJECT MANAGEMENT TIPS

Human Resources

Adequacy & Competencies: Recruitment of skilled and experienced staff.

Performance Based Remuneration: Attempt to manage human resource cost


should be focused through performance measurement and performance based
compensation.

Training & Skill Development: Encouraging training and skill of self & employees
through experts and exposure to best practices is a route to success. Least cost
options for Training and Skill Development (T&SD) may be linked with compensation
benefits and awards.

1 4 .5

USEFUL LINKS

Prime Ministers Office


www.pmo.gov.pk

Small & Medium Enterprises Development Authority (SMEDA)


www.smeda.org.pk
National Bank of Pakistan (SBP)
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://moptt.gov.pk

Government of Punjab
www.punjab.gov.pk

Government of Sindh
www.sindh.gov.pk

SMEDA Services / Information related to PMs Youth Business Loan are FREE OF COST -

13

Government of Khyber Pakhtunkhwa


www.khyberpakhtunkhwa.gov.pk

Government of Balochistan
www.balochistan.gov.pk

Government of Gilgit Baltistan


www.gilgitbaltistan.gov.pk

Government of Azad Jammu & Kashmir


www.ajk.gov.pk

Trade Development Authority of Pakistan (TDAP)


www.tdap.gov.pk

Securities & Exchange Commission of Pakistan (SECP)


www.secp.gov.pk

Federation of Pakistan Chambers of Commerce and Industry (FPCCI)


www.fpcci.com.pk

State Bank of Pakistan (SBP)


www.sbp.org.pk

15.

KEY ASSUMPTIONS

Particulars
Sales Price Growth Rate
Capacity Utilization Growth Rate
Increase in Cost of Raw Materials
Increase in Utilities (Electricity/Water/Gas)
Debt / Equity Ratio
Plant Building
Machinery
Office Furniture & Equipment
Loan Period
Grace Period
Loan Installments
Financial Charges (Loan Rate)

Assumptions
5 % per year
5 % per year
10 % per year
10 % per year
90 : 10
10 % per annum
10 % per annum
10 % per annum
8 Years
1 Year
Monthly
8 % per annum

SMEDA Services / Information related to PMs Youth Business Loan are FREE OF COST -

14

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