BUSINESS PLAN CLOTHIERS AND CO

SUBMITTED BY:

Tayyaba Qureshi

Zulekha Nasir

Supervisor Name: Mr. Shehzad Sati

Submitted in partial fulfillment of the requirements for the degree of Bachelor of

Business Administration

at

National University of Modern Languages

Islamabad, Pakistan
June 2019
1
 NATIONAL UNIVERSITY OF MODERN LANGUAGES

Faculty of Management Science

It is hereby certified that the Business Plan has been thoroughly and

carefully read and recommended to the Faculty of Management Sciences for acceptance of Final

report by Tayyaba Qureshi Roll NO 4328, Zulekha Nasir Roll No 4329 Session (JUNE

2016 to JUNE-2019) Evening, as partial fulfillment of their requirement for the degree of Bachelor

of Business Administration at National University of Modern Languages, Islamabad.

Dated…

Supervisor Name: Sir Shehzad Sati

Supervisor Signature:____________________

Panel Member Name: ____________________

Panel Member Signature: ___________________

Program Coordinator: ____________________

Head of Department: __________________

2
ACKNOWLEDGEMENT

 
First of all we are very grateful to Allah Almighty who is most beneficent and merciful. This Business Plan

has been completed with the support of various persons and we would like to acknowledge them here.

We are genuinely and sincerely grateful to Sir Shehzad Sat our supervisor for his kind words and valuable

and appreciated support, encouragement, inspiration, supervision and useful suggestions throughout this

business plan. His moral support and endless guidance helped us to complete our work successfully and

effectively.

We are thankful for the help and persistent encouragement from our family members and their regular

ideas made our work easy and proficient and we are very grateful to our beloved friends who helped us

tremendously and persistently and made our business plan implementable.

Last but not the least, we are thankful and obliged to all persons who helped us directly or indirectly in

completion of this business plan.

3
Table of Contents
BUSINESS PLAN CLOTHIERS AND CO................................................................................................1
1. Executive Summary:.......................................................................................................................................6
2. Business description:.....................................................................................................................................7
2.1 Mission and vision statement...................................................................................................................7
2.2. Goals and Objective:...............................................................................................................................8
2.3. Legal states of the company:..................................................................................................................8
2.4. The Industry............................................................................................................................................8
2.5. Industry trends......................................................................................................................................10
2.6. Future opportunities:............................................................................................................................10
3. Market Analysis and Market Trends.............................................................................................................11
3.1. Market trend:........................................................................................................................................11
3.2. Market size:...........................................................................................................................................11
3.3. Target market:.......................................................................................................................................11
3.4. Market share:........................................................................................................................................11
3.5. Competition:.........................................................................................................................................11
3.6. Distribution channel:.............................................................................................................................12
3.7. Promotional strategy:............................................................................................................................12
4. Operational plan:.........................................................................................................................................16
4.1. The suppliers:........................................................................................................................................17
4.2. The logistics department:......................................................................................................................17
4.3. Description of product and services......................................................................................................17
4.4. Manufacturing plan:..............................................................................................................................18
5. Management plan........................................................................................................................................19
5.1. CEO and Managing Director:.................................................................................................................19
5.2. Financial Manager:................................................................................................................................20
5.3. Operations Manager:............................................................................................................................20
5.4. Marketing and sales Manager:..............................................................................................................20
5.5. Logistics manager:.................................................................................................................................21
5.6. Maintenance and Support:....................................................................................................................21
6. Financial statement:.....................................................................................................................................22
6.1. Estimated Startup cost:.........................................................................................................................22
6.2. Income statement:................................................................................................................................23

4
 6.3. Balance sheet:.......................................................................................................................................25
6.4 Cash Flow:..............................................................................................................................................27
7. Appendices:.................................................................................................................................................32
8. Screenshots of social media platforms:........................................................................................................33
8.1 Facebook Page.......................................................................................................................................33
8.2 Instagram business profile.....................................................................................................................33
8.3 Application screenshot...........................................................................................................................34
8.4 DEED OF PARTNERSHIP..........................................................................................................................35
8.4 References:.............................................................................................................................................43

5
1. Executive Summary:

Clothiers & Co is a partnership based business between two entrepreneurs Miss Tayyaba Qureshi

and Miss Zulaiha Nasir. We came up with the innovative idea of selling cloths to those customers

who are not able find latest and updated fashion in the abroad because the cultural difference and

non-availability of branded Asian Clothes. Clothing market is very concentrated in other parts of the

world and we will be facing huge competition. As a point of difference, we will be providing

bespoke clothing services and Privé services to our valued customers.

The aim is to operate overseas in clothing sector which means using services of cargo operators. For

that purpose, Pakistan Logistics and Global Logistics services Islamabad will be contacted for cargo

delivery. The terms of service will be agreed with them to provide door to door service for our

clients along with customs clearance which will be borne by the customer as per standard delivery

charges.

Our plan is to achieve the confidence of our customer in the targeted market and enable them to buy

latest design clothes. The targeted market for our business is United Kingdom and we will initially

provide services to UK only but later on we will also target and provide our services to Canada and

USA in next 5 and 10 years respectively. The company name is Clothiers & Co. Its logo will be

registered under the trademarks rules and regulations of Pakistan.

Initially our targeted market is UK. Our competitors are Junaid Jamshed, Khaadi and Breeze. There

are a lot of local markets also who our competitors. These are providing similar services to the

customers but our point of difference is that we provide services with affordable prices so that we

can capture the large market, and we also focus on customization services because this will be our

competitive advantage.

6
We also provide Prive service to those customers who wants dresses of their own choices in which

the quality and design and services will be provided as per customer requirements and will be

charged accordingly.

Our business is service and product oriented, in some places we are providing special services and in some

place we provide special cloths, so we will be considering reasonable profit and worthy investment

opportunity in future. The project will be equity based and family funded by the owners.

2. Business description:

Clothiers & Co is a partnership business. Clothier and Co will deliver a variety of stylish and

updated cloths to our female customers in foreign countries who love to wear cultural clothes. We

will serve friendly customer service to support the environment of fun, enthusiastic and stylish

lifestyle

2.1 Mission and vision statement

Mission:

The mission statement of Clothier and Co is:

“To establish successful business where we will bring a variety of latest and high-end fashion

clothing

Line to Asian community and those foreign community who love to wear cultural dresses”

Vision:

7
 The vision statement shows the ultimate position of the organization in future, it is a strategic

. framework of business. The Vision statement of our business for future is as follows:

“We strive to provide variety of clothes with good quality in all over the word in maximum

time period and we will further enhance our technological services and expand our business

in other countries”

2.2. Goals and Objective:

Our main goal is to start our business in UK and later on we will expand our business in different

countries and we provide services to women who can’t buy latest fashionable clothes with the help

technology.

2.3. Legal states of the company:

The Clothiers & Co is a partnership business run and managed by two partners Ms. Tayyaba and Ms.

Zulekha. The registration will be done with Chamber of Commerce, Federal board of revenue and

Export promotion bureau for taxation and export purpose. NTN, STRN and VBOC numbers will

also be applied for business under the trade name.

Services oriented:

Clothiers & Co. is a retail business and it is both product and services oriented company but

primarily it is services oriented. Our aim is to provide best services along with good quality and

reasonable prices.

8
2.4. The Industry

The clothing industry in UK is vast so there is an opportunity for us to enhance our business in UK

because there is outdated fashion for Asian and foreigner women in UK and we will provide services

to those women of UK.

The main industry for us are British Pakistanis and they are second largest minority resident in the

UK with the population of British Pakistanis exceeding 1.17 million based on 2011 census but now

in 2019 the population exceeds according to the time so our industry is vast. By this data it’s very

helpful for our business to produce product according to the choice of our customers so we will be

strong enough to stay in the industry and maintain our services.

Following is the population of those Pakistanis who are the residents of UK.

Local authority area Pakistani

Birmingham 104,017
Bradford 67,994
Lancashire 26,521
Kirklees 26,535
Manchester 23,102
Newham 20,646
Luton 17,012
Waltham forest 17,295
Rochdale 15,827
Sheffield 15,843
Buckinghamshire 15,057
Redbridge 14,890
Leeds 15,065
Oldham 13,754
Slough 14,360

9
Following is the population of that British Asian who are resident in UK according to the 2018

and 2016 census. British Asians also known as South Asian in UK.

Asian countries Population

Indian 1,985,224 (2018)
Pakistani 1,668,953 (2018)
Bangladeshi 1,389,997 (2018)
Sri Lanka 381,607 (2016)

2.5. Industry trends

As the fashion is rapidly changing and grows people prefer fresh and quality of stylish dresses and

for this need of people we provide variety of new and stylish dresses according to new trends of

culture. For this, we need effective management and we will provide customers with high quality

dresses for increasing their satisfaction level and trust on us.

2.6. Future opportunities:

The market segment is very broad in UK and when we will established our business in UK then

there is opportunity for us to expand our business in whole UK through provide exclusive dresses

and in the next five year’s we will expand our business in Canada and in next ten years we will

expand in USA.

10
3. Market Analysis and Market Trends

Market Analysis and Market plan are the key component of market. It describes the size of the

market both in volume and in value, the market target, the market share, the competition, and the

economic environment.

3.1. Market trend:

Market trend is a mixture of East and West designs and stuff is according to the season of UK.

3.2. Market size:

The market size of UK is very huge but we will provide services to different areas of England

including the teenagers, adults and middle age females. When our business will be successful than

we will expand our business to other countries.

3.3. Target market:

The initial target market is UK and when our business is stable in UK then we target USA and

Canada.

3.4. Market share:

The market sector of England is changing in fashion but the market segment of Asian culture is not

much changing as compared to Pakistan’s latest fashion. The initial market share of our business is 1

or 2 percent because there are a lot of competitors in the market we will face.

3.5. Competition:

Our competitors are Junaid Jamshed, Breeze and Khaadi but we do not directly compete with these

competitors because we are new in this business and we don’t have much knowledge and experience

as they have. And barriers of entry is easy and in future the business will face more competitors

11
such as new entrants. So our strategy will be to gain loyalty from customers by keeping prices low as

compared to competitors and by using efficient marketing strategies, with the help of these strategies

our business will be recognized in the market.

3.6. Distribution channel:

As Clothiers and Co is a service oriented business so we required distribution channel. We directly

distribute our products to the customers through Pakistan Logistics and Global Logistics. The people

who visit Pakistan on different Occasions we also target those peoples by this their courier charges

are also less. They buy our product because we provide customized products. They can also take out

products to their countries according to their weather.

3.7. Promotional strategy:

The four Ps of the market strategy are defined as follows:

Price:

The prices of products will be kept from lower range to higher range. Some products will be kept at

medium prices and some are higher prices so all level of customers will enjoy our services and it can

create revenue for our business and give a good competitive advantage. The price will be according

to variable and fixed cost.

Items (shirts) Prices

Khaddar 2050
Kirundi 2100
Linen 1950
Marina 1850
Cotton 1800
Silk 2000
Loan 1800

12
 Item (3pcs) Prices
Khaddar 7000
Kirundi 6800
Linen 6500
Marina 6350
Cotton 6150
Silk 6600
Loan 5500
Item (2pcs) Prices
Khaddar 5400
Kirundi 5350
Linen 5100
Marina 5250
Cotton 5000
Silk 5550
Loan 4900

Promotion:

We promote our product to change consumer attitude. We will use social media like application,

search engines, Blogs, social sites and SEO. We will also promote our business by distributing

vouchers.

 Promotion by Social Media is our primary focus, since our target market and the population

in general spend most of their time online surfing through Facebook and other social media

websites.
 By Facebook, by making a page and making sure to promote it as much as possible and as

quickly as possible.
 We also promote through word of mouth.
 Another promotional strategy is promoting our business by reference and E-mail marketing.

13
Place:

We will provide online services to customers but we will rent a unit in Jhelum which will easily

excess able to our customer who want to pick up clothes from our shop. And there will be warehouse

also where we keep our stock.

Products:

The product will be offered to different areas of UK. As Clothiers & Co clothing is a textile business

as well as service business. Our business provide printed, digital print, formal, semi-formal, solid

color and embroidered design Kutras, frocks, shirts, shirts with duppata, shirt with trouser. The fabric

stuff we will provide to our customer is as follows:

 Kadar
 Kirundi
 Cambric
 Cotton
 Chicken
 All Silk
 Cotton Lawn
 Linen
 Marina
 Blended

And there are a whole lot of type of shirts some of these are as follow:

 Simple shirt
 Umbrella Frock
 Kali frock
 Jabhala frock
 Front open shirt
 Angrakha shirt
 Angrakha frock

14
  A-line shirt
 Churidaar pajama
 Shalwar kameez
 Trousers
 Capri
 Flapper
 Kurta
 Patiala Shalwar
 Tale gown frock
 Airline frock
 Double shirt
 Double frock
 Gown shirt

Uniqueness:

The uniqueness of our business is providing Prive `service to our customers in which we will choose

the stuff, quality and designing of the clothes are according to customer demand and they will be

charged according to the service they require.

Another uniqueness is providing customized dresses to our customers by keeping reasonable prices.

4. Operational plan:

As it a partnership business so here the operation will be divided between two partners most of the

financial operations will be conducted by Zulekha Nasir whereas Tayyaba Qureshi handling

Logistics department and we both will handling HR and Marketing. We both will look closely into

the matter and will handle and control the operations our self. Build and maintain strong customer

15
relationships through good and nice communications will help us to achieve our goal. We always go

for improvements.

The further operations to handle are:

 To deal with logistics.

 To check the sales record.

 To deal with employees and clients.

 To look after day to day operations.

 To maintain the records of product available.

The operations of the business will be divided into following sections.

4.1. The suppliers:

Our aim is to buy quality products from suppliers as the business. Our main work is directly

purchase clothes from wholesale market and factories and provide high quality to satisfy the

customers.

4.2. The logistics department:

This department will be headed by Miss Tayyaba Qureshi and Zulekha Nasir. The logistics

department will handle all the supplies of product to the customer. The department will see that what

is needed in the products the shortness or excessiveness of the supplies and whether the Supplies is

on time. Services of courier delivery will be sought for moving finished products between different

regions. A door to door service will be acquired from Pakistan Logistic and Global Logistics

Services Islamabad.

16
4.3. Description of product and services

 Products

We provide services according to culture and provide cloths according to their season. We will tailor

our inventory to meet the needs of our clients. Solely focusing on styles, colors and fit to the female

figure will be our specialty. We will provide variety of designs and styles and it include like Shalwar

kameez, simple long shirts, a line shirts, shirts and dresses.

 Services
We provide services through Cargo, courier like Pakistan logistics and Global logistics. International

shipping rates are calculated based on the destination and the weight of your Shipment and ensure to

check the DUTY charges of your shipment as the duty charges will be payable to the courier

company at the time of the delivery. Estimate your shipment and duty charges by sampling adding

items to the shopping cart.

 Payment method

The customers will be charged in two steps. Step one will be payment for dresses through PayPal

account or via bank account setup in the UK. In step two, the courier company will charge cash on

delivery for the courier charges by the customer on their door steps.

 Delivery timing

17
It is based on the amount of time it takes to get payment authorization, order processing, customs

delays and the transit time from Pakistan logistics and Global logistics. Estimated time ranges from

15 working days for in stock items. Custom duties and clearance charges must be fulfilled by the

customer.

4.4. Manufacturing plan:

We will buy different stuff of bucks from Nadeem cloth house who is located in Jhelum and then we

will tailored our product from tailors according to the demand of our customers. After completion of

our product we will store finished goods in warehouses and deliver to the customers.

5. Management plan

Organization chart

CEO

Fianance marketing operation

logistics
manger and sales and manager

18
The total number of employees hired by the organization will be four to five. Three tailors and one

office boy.

5.1. CEO and Managing Director:

As the company is a partnership venture so the responsibilities will be divided between Miss

Zulekha Nasir and Miss Tayyaba Qureshi with experience and time, the company will expand its

operations in other cities of global wide.

5.2. Financial Manager:

The administration department will be controlled by Miss Zulekha Nasir. Finance Department is

concern with assigning budgets to each department. The all financial transactions observe and handle

by Miss Zulekha. As the company is in its initial phase, the number of employees will be less and the

fixed cost will be less for the company to face. The purchasing of new raw material for company’s

wellbeing and analysis of business will be held time to time. With time and need, changes will be

done for the future growth of the business.

5.3. Operations Manager:

The Operations department will be under the control of both partners. Operation department is

concerned with controlling and coordinating between all the departments. The employee should be

hard working and going to perform well for the company. The main responsibilities are to maintain

19
the record of daily customers and its feedback. Operation managers check that the activities are

successfully performed in the business.

Tailors:

A key employee for the business is tailors who deal with the process of clothes’ stitching, sewing and

designing of dresses.

5.4. Marketing and sales Manager:

The marketing and sales department will be under the control of both partners. We will contract with

the SEO, Facebook and YouTube.

5.5. Logistics manager:

The logistics departments will be under the control of Miss Tayyaba Qureshi. Also this is a key area

where we can reduce our cost and improve the services of the business. The main responsibilities are

to maintain the record of daily delivery of products and to keep check and balance of warehouse.

5.6. Maintenance and Support:

Key Managers

Each partner in their respective department will have the following responsibilities:

 Sales department:

We will provide the maintenance and support after sale. Customer can contacts us in case of

defective material or any other issues. We will provide the replacement service to our customers. The

cloths can be changed or refunded but custom duty paid by customers.

20
  Marketing Department

Marketing department is concerned with promoting business and handling the Facebook page and

Application dealing with any questions of customers, taking and responding to customers’ feedback.

 Operation Department

Operation department is concerned with monitoring and managing between all the departments of

the business and also checking on the need of more material, checking on the task have done

properly on time.

 Finance Department

Finance Department is concern with handing over budgets to each unit. This department will manage

all cash flows etc.

6. Financial statement:

6.1. Estimated Startup cost:

The cost to open our business is 500,000 which is equally contributed by both partners.

Startup cost Amount(RS)

Building 240,000
Office expense 34,000
Utilities 14,100

21
Advertisement 140,000
Repair and maintenance 12,000
Company registration 20,000
Inventory 250,000

6.2. Income statement:

Projected income statement for the year ended 2020

Income Statement
Clothiers & co.
year ended September 2020
(PKR(000's)
)
Revenue
Pret note 1 2623600
Prive note 1 1124400
gross sales note 1 3748000
Less: Sales Returns and 40000
Allowances
Net Sales 3708000
Cost of Goods Sold
Beginning Inventory 0
Add: Purchases note 2 504700

22
Freight-in 10000
Direct Labor note 3
Indirect Expenses
Inventory Available 514700
Less: Ending Inventory 10% 51500
purchases
Cost of Goods Sold 463200

Gross Profit (Loss) 3244800

Expenses
Advertising 140000
staff entertainment 180000
office expense 34000
rent expense 240000
repair and maintenance 12000
Registration 20000
Travel 17100
Utilities 14100
Wages 900000
solicitor fee 60000
internet and domain 47000
Telephone 24000
Miscellaneous
Total Expenses 1688200

Net Operating Income 1556600

Other Income
Gain (Loss) on Sale of
Assets
Interest Income
Total Other Income 0

Net Income (Loss) 1556600

Total profit 1,556,600

Corporation tax @31% 482,546
Remaining 1,074,054

23
Retained earnings 600,000
Dividends to owners 474,054

6.3. Balance sheet:

Projected balance sheet for the year ended 2019

Clothiers & Co. Balance Sheet

Assets
Current assets: Current Year
Cash 1,280,100.00
Investments -
Inventories 51,500.00
Accounts receivable -
Pre-paid expenses 50,000.00
Other -
Total current assets 1,381,600.00
Fixed assets: Current Year
Property and equipment 100,000.00
Leasehold improvements -
Equity and other investments 500,000.00
Less accumulated depreciation -
Total fixed assets 600,000.00
Other assets: Current Year
Goodwill 75,000.00
Total other assets 75,000.00
Total assets 2,056,600.00

24
Liabilities and owner's equity
Current liabilities: Current Year
Accounts payable -
Accrued wages -
Income taxes payable( note 1) 482,546.00
Other -
Total current liabilities 482,546.00
Long-term liabilities: Current Year
Mortgage payable -
Total long-term liabilities -
Owner's equity: Current Year
Investment capital 974,054.00
Accumulated retained earnings 600,000.00
Total owner's equity 1,574,054.00
Total liabilities and owner's equity 2,056,600.00
Balance -

note 1

corporation tax payable

1556600 x 31% 482546

25
6.4 Cash Flow:

Small Business Cash Flow Projection

Clothiers & Co.
Starting Oct-
date 19
Cash 10,0 10,0 10,0 10,0 10,0 10,0 10,0 10,0 10,0 10,0 10,0 10,0 10,0
balance 00 00 00 00 00 00 00 00 00 00 00 00 00
alert
minimu
m

Begi Oct Nov Dec Jan Feb Ma Apr- May Jun- Jul- Aug- Sep- Tota
nnin -19 -19 -19 -20 -20 r-20 20 -20 20 20 20 20 l
g
Cash on 500,0 500, 285, 134, 156, 278, 314, 650, 857, 1,06 1,30 1,38 1,57
hand 00 000 800 600 600 300 000 700 100 3,70 0,00 1,50 8,30
(beginni 0 0 0 0
ng of
month)

CASH Oct Nov Dec Jan Feb Ma Apr- May Jun- Jul- Aug- Sep- Tota
RECEIP -19 -19 -19 -20 -20 r-20 20 -20 20 20 20 20 l
TS
Cash 30,0 50,0 150, 308, 400, 420, 400, 400, 450, 300, 400, 400, 3,70
sales 00 00 000 000 000 000 000 000 000 000 000 000 8,00
0
Returns 0
and
allowanc
es
Interest, 0
other
income
Loan 0
proceeds
Owner 200, 0 200, 0 0 100, 0 0 0 0 0 0 500,
contributi 000 000 000 000
ons
TOTAL 230, 50,0 350, 308, 400, 520, 400, 400, 450, 300, 400, 400, 4,20

26
CASH 000 00 000 000 000 000 000 000 000 000 000 000 8,00
RECEIP 0
TS
Total 500,0 730, 335, 484, 464, 678, 834, 1,05 1,25 1,51 1,60 1,78 1,97
cash 00 000 800 600 600 300 000 0,70 7,10 3,70 0,00 1,50 8,30
available 0 0 0 0 0 0

CASH Oct Nov Dec Jan Feb Ma Apr- May Jun- Jul- Aug- Sep- Tota
PAID -19 -19 -19 -20 -20 r-20 20 -20 20 20 20 20 l
OUT
Advertisi 20,0 20,0 10,0 10,0 10,0 10,0 10,0 10,0 10,0 10,0 10,0 10,0 140,
ng 00 00 00 00 00 00 00 00 00 00 00 00 000
Materials 200, 10,0 150, 0 150, 0 0 0 0 0 4,70 514,
and 000 00 000 000 0 700
supplies
(in
COGS)
Meals 15,0 15,0 15,0 15,0 15,0 15,0 15,0 15,0 15,0 15,0 15,0 15,0 180,
and 00 00 00 00 00 00 00 00 00 00 00 00 000
entertain
ment
Office 8,00 8,00 5,00 4,00 2,00 1,00 1,00 1,00 1,00 1,00 1,00 1,00 34,0
expense 0 0 0 0 0 0 0 0 0 0 0 0 00
Rent 20,0 20,0 20,0 20,0 20,0 20,0 20,0 20,0 20,0 20,0 20,0 20,0 240,
00 00 00 00 00 00 00 00 00 00 00 00 000
Repairs 1,00 1,00 1,00 1,00 1,00 1,00 1,00 1,00 1,00 1,00 1,00 1,00 12,0
and 0 0 0 0 0 0 0 0 0 0 0 0 00
maintena
nce
company 20,0 0 0 0 0 0 0 0 0 0 0 0 20,0
registrati 00 00
on
Travel 2,00 2,00 2,00 1,50 1,50 1,50 1,20 1,20 1,20 1,00 1,00 1,00 17,1
0 0 0 0 0 0 0 0 0 0 0 0 00
Utilities 1,20 1,20 1,00 800 800 800 1,40 1,20 1,50 1,50 1,50 1,20 14,1
0 0 0 0 0 0 0 0 0 00
Wages 75,0 75,0 75,0 75,0 75,0 75,0 75,0 75,0 75,0 75,0 75,0 75,0 900,
00 00 00 00 00 00 00 00 00 00 00 00 000
Solicitar 5,00 5,00 5,00 5,00 5,00 5,00 5,00 5,00 5,00 5,00 5,00 5,00 60,0
fee 0 0 0 0 0 0 0 0 0 0 0 0 00
internet 25,0 2,00 2,00 2,00 2,00 2,00 2,00 2,00 2,00 2,00 2,00 2,00 47,0
and 00 0 0 0 0 0 0 0 0 0 0 0 00
domain
telephone 2,00 2,00 2,00 2,00 2,00 2,00 2,00 2,00 2,00 2,00 2,00 2,00 24,0
0 0 0 0 0 0 0 0 0 0 0 0 00
Miscellan 0
eous
SUBTOT 394, 161, 288, 136, 284, 133, 133, 133, 133, 133, 138, 133, 2,20
AL 200 200 000 300 300 300 600 400 700 500 200 200 2,90
0
CASH Oct Nov Dec Jan Feb Ma Apr- May Jun- Jul- Aug- Sep- Tota
PAID -19 -19 -19 -20 -20 r-20 20 -20 20 20 20 20 l
OUT
Capital 50,0 40,0 40,0 50,0 30,0 0 0 0 10,0 15,0 5,00 10,0 250,
purchases 00 00 00 00 00 00 00 0 00 000

27
Other 0
startup
costs
To 0
reserve
and/or
escrow
Owners' 0 0 0 0 50,0 50,0 60,0 60,0 70,0 70,0 60,0 54,0 474,
withdraw 00 00 00 00 00 00 00 54 054
al
TOTAL 444, 201, 328, 186, 364, 183, 193, 193, 213, 218, 203, 197, 2,92
CASH 200 200 000 300 300 300 600 400 700 500 200 254 6,95
PAID 4
OUT
Cash on 500,0 285, 134, 156, 278, 314, 650, 857, 1,06 1,30 1,38 1,57 1,78
hand 00 800 600 600 300 000 700 100 3,70 0,00 1,50 8,30 1,04
(end of 0 0 0 0 6
month)

OTHER Oct Nov Dec Jan Feb Ma Apr- May Jun- Jul- Aug- Sep- Tota
OPERA -19 -19 -19 -20 -20 r-20 20 -20 20 20 20 20 l
TING
DATA
Accounts 0
receivabl
e balance
Bad debt 0
balance
Inventory 0 0 0 0 0 0 0 0 0 0 0 51,5 51,5
on hand 00 00
Depreciat 0
ion

Note 1 (Revenue)

Total cost 2202900

Total units 2000
Cost /unit 1101.45
70% pret 1102*70% 771.4
30% prive 1102*30% 330.6

1874*
Revenue 1102* 70% 1873.4 2000 3748000

3748000*
Pret 70% 2623600

28
Prive 1124400

Note 2

Marina 8 5000 40000

Silk 3 7000 21000
Swiss loan 2 4000 8000
Laces 100 50 5000
Buttons 1000 5 5000
Piping 1000 5 5000
Overclocks/ pico 0
Buckram 1200 20 24000
Threads 1500 3 4500
Sewing machine 3 8000 24000
Scissors 5 250 1250
Measurement tape 5 20 100
Machine oil 20 30 600
Stitching scale 0
Needles 5 50 250
Pins 5 20 100
Iron 2 3000 6000
Packing sheets 2000 5 10000
Labels 4000 1 4000
Zips 200 30 6000
Elastic 200 2 400
Hooks 100 5 500
Miscellaneous 100 10 1000
Total 504700

29
Cash flow chart:

Cash Flow Projection of Clothiers & Co

2,000,000

1,500,000

1,000,000
Cash on Hand

Cash Flow
500,000 Projection

0
g 9 9 9 0 0 0 0 0 0 0 0 0
n in
c t-1 v-1 c-1 n -2 b-2 ar-2 r-2 y -2 n-2 l-2 g-2 p-2
in e Ja p u
eg O N
o D Fe M A M
a Ju J A
u Se
B
Period

Combination chart showing cash on hand minimum alert and cash flow projection.

Cash balance alert minimum $10,000

30
7. Appendices:

Logo:

8. Screenshots of social media platforms:

8.1 Facebook Page

31
8.2 Instagram business profile

32
8.3 Application screenshot

8.4 DEED OF PARTNERSHIP

This Deed of Partnership is made at Islamabad on jo b date o ge2019 on day of Friday between

1. Tayyaba Qureshi

2. Zulekha Nasir

33
The partners are mutually decided to form themselves into partnership to carry on business and

where as it is deemed necessary to reduce into writing the terms and conditions governing the

partners’ interests.

NOW THIS DEED WITNESSETH AS UNDER

1. That the name of the Partnership Business shall be Clothiers & Co. That the Partnership

Business agreement is made on 13 July 2019 between Tayyaba Qureshi and Zulekha Nasir.

2. That the nature of Partnership Business shall be carried out by mutually decide from time to

time of partners.

3. That the Partnership Business shall be carried at Jhelum and RAWALPINDI and at such

other place or places as the Partners may mutually decide from time to time.

4. That the capital required for the conduct of Partnership Business shall be contributed by each

partner in such proportion as may be mutually agreed from time to time and that no partner is

only working partner and shall not contribute any amount towards capital.

5. That the net profit of the Partnership Business shall be divided between the Partners and

losses if any shall be borne by them in equal proportions.

34
6. That the Partners shall be entitled to withdraw reasonable amounts for their personal and

household expenses with the consent of all the partners which shall be debited to the

respective accounts of partner in the books of the firm.

7. That Bank Account or Accounts in the name of the firm shall be opened in any scheduled

bank or banks and the same shall be operated by the Partners severally as well as jointly.

8. Every Partner is hereby authorized to institute legal proceedings against any party from

whom the firm may be entitled to receive any money and for that purpose to engage advocate

or advocates as may be necessary and or as may be advised.

9. That Zulekha Nasir and Tayyaba Qureshi will be the Managing partners and entitled to

engage the staff including labour, contractor or whatever may be necessary for the purpose of

the business of the Partnership.

10. That the partners shall be just and faithful to each other and shall at all times, render full and

correct information relating to Partnership Business which shall be carried on in a way so as

to yield maximum benefit to all the Partners.

11. That no partner shall sell, mortgage or transfer his/her share or interest in the Partnership

Concern without the written consent of the other partners.

35
 12. That in case of death of any partner, the partnership shall not stand dissolved such of the

legal heirs of the deceased or his/her nominees as are approved by the surviving partners

shall step in his/her place.

13. That any dispute or difference in connection with Partnership Business which may arise

between the partners, their representatives or nominees shall be referred to one or more

Arbitrators nominated by the Partners and his/her or their award shall be binding on the

Partners.

WITNESSES:

1. Asad Qureshi _________ 2. Malik Nasir __________

3. Ahmad Murtaza _________ 4. Nabeel Farooq_________

36
37
38
39
 Tayyaba Qureshi
Email: tayyabaqureshi18@gmail.com
Address: house no 14-e new civil lines near government college Rwp
Cell: +923345329423
OBJECTIVE
Ambition to learn and grow and work in a challenging and dynamic
environment to enhance my educational and professional skills and to serve my
organization in the best possible way with determination and commitment, and
to gain new experience and to utilize my interpersonal skills to achieve
organizational goals.
ACADEMIC
BBA Hons. (Supply Chain)
CREDENTIALS
CGPA ( 2.7 /4 )
National University of Modern Languages Islamabad. 2019
ICS
D- grade (/534/1100)
Sir Syed science college Tipu road Rawalpindi 2015
Matric in science
72% A-grade (761/1050)
F.G Sir Syed school mall road, Rawalpindi 2013
Performed a two-day activity of entrepreneur week held in NUML
MAJOR
Organized a Job Fair held in NUML
PROJECTS
MAJOR
SUBJECTS  Supply Chain Management
 Introduction to logistics management
 Procurement and Sourcing

Internship in Bank Alfalah Islamic Branch

PROFESSIONAL
Major responsibilities
EXPERIENCE
Interaction with customers on daily basis, deals with account openings,
clearing the bill payments, sorting of vouchers and check vouchers for possible
mistakes.

SKILLS  MS-Word, Power Point

 English, Urdu, Chinese
 Effectively work in group & team.
 Communicate well with others
INTERESTS
Book Reading, Badminton, Cooking and Music
PERSONAL
INFORMATION  Father’s Name: M. Farid Qureshi
 N.I.C No: 37405-8416104-6
 Date of Birth: 08/06/1996

40
ZULEKHA NASIR
E-MAIL: zulekha300@gmaill.com
ADDRESS: V.P.O Chittan District and Tehsil Jhelum
CELL: 00923078943435
Looking for a long period commitment where I can utilize my best
OBJECTIVE
knowledge and skills & have the challenging environment in accordance
to bring up the progress of organization and achieve personal and
organizational goal.
ACADEMIC
BBA Hons. (Finance)
CREDENTIALS
CGPA 3.41/4
National University of Modern Languages Islamabad. 2018
ICS
55% (612/1100)
Punjab college for girls GT road Jhelum 2012
Matric in science
78% (672/1050)
Fuji foundation model school and college old GT road Jhelum cant 2010
MAJOR
Organized a job fair in 2019 in NUML
PROJECTS
Performed a two-day activity of entrepreneur week held in NUML
Member of finance society NUML
MAJOR
Corporate Finance Financial risk management
SUBJECTS
Investment and portfolio management Analysis of financial statements

PROFESSIONAL
Internship at State Bank of Pakistan, Rawalpindi 2019
EXPERIENCE

SKILLS
 MS-Word
 English, Urdu, Chinese
 Effectively work in group & team.
 Communicate well with others
INTERESTS
New business experience, Traveling, cooking
PERSONAL
INFORMATION
 Father’s Name: Nasir Iqbal
 N.I.C No: 37301-3504130-6
 Date of Birth: 09-09-1993

41
8.4 References:

42