1

TABLE OF CONTENTS

1.

EXECUTIVE SUMMARY ................................................................6

1.3. CURRENT BUSINESS POSITION .................................................8 1.4. FINANCIAL POTENTIAL ...............................................................8 1.5. THE REQUEST ..............................................................................8 02. COMPANY BACKGROUND ..........................................................9 2.1. BUSINESS DESCRIPTION ............................................................9 2.2. COMPANY HISTORY ....................................................................9 2.3. CURRENT POSITION AND BUSINESS OBJECTIVES ...............10 2.4. OWNERSHIP ...............................................................................10 03. PRODUCTS .................................................................................11 3.1. PRODUCT OVERVIEW ............................................................... 11 3.2. COMPETITIVE ANALYSIS .......................................................... 12 3.3. SUPPLIERS AND INVENTORY ...................................................12 3.4. RESEARCH AND DEVELOPMENT.............................................12 04. SERVICES ...................................................................................13 4.1. SERVICE DESCRIPTIONS .......................................................... 13 4.2. COMPETITIVE COMPARISON ....................................................13 4.3. SERVICE DELIVERY ...................................................................14

4.4. RESEARCH AND DEVELOPMENT.............................................14 05. THE INDUSTRY, COMPETITION AND MARKET ........................14 5.1. INDUSTRY DEFINITION .............................................................. 15 5.2. PRIMARY COMPETITORS .......................................................... 15 5.3. MARKET SIZE .............................................................................15 5.4. MARKET GROWTH .....................................................................16 5.5. CUSTOMER PROFILE ................................................................ 17 6. MARKETING PLAN .....................................................................19

6.1. COMPETITIVE ADVANTAGE ......................................................20 6.2. PRICING ......................................................................................20 6.3. DISTRIBUTION CHANNELS .......................................................21 6.4. PROMOTIONAL PLAN ................................................................ 21 6.4. FEEDBACK .................................................................................30 07. OPERATING PLAN ........................................................................30 7.1. LOCATION...................................................................................30 7.2. FACILITY .....................................................................................30 7.3. OPERATING EQUIPMENT .......................................................... 31 7.4. SUPPLIERS AND VENDORS ......................................................32 7.5. PERSONAL PLAN .......................................................................33

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7.6. GENERAL OPERATIONS ........................................................... 35 8. MANAGEMENT, ORGANIZATION AND OWNERSHIP...............35

8.1. MANAGEMENT /PRINCIPALS ....................................................35 8.2. ORGANIZATIONAL STRUCTURE ..............................................36 8.3. PROFESSIONAL CONSULTANTS .............................................36 8.4. OWNERSHIP AND BOARDS ......................................................36 09. GOALS AND STRATEGIES ........................................................36 9.1. BUSINESS GOALS .....................................................................36 9.2. KEYS TO SUCCESS ...................................................................37 9.3. FUTURE PLANS ...........................................................................37 10. FINANCIAL ASSUMPTIONS ......................................................... 37 10.1. PERSONAL FINANCIAL STATEMENT ....................................39 10.2. START-UP EXPENSES AND CAPITALIZATION .....................40 10.3. 12 MONTHS PROFIT AND LOSS PROJECTION .....................46 10.4. 5 YEARS PROFIT AND LOSS PROJECTION .......................... 49 10.5. CASH FLOW PROJECTION .....................................................50 10.6. PROJECTED BALANCE SHEET..............................................51 10.7. BREAKEVEN ANALYSIS ......................................................... 52 10.8. ESTIMATE OF FINANCIAL FUTURE. ......................................52 11. APPENDIXES ..............................................................................52

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11.9. ANY OTHER MATERIALS TO SUPPORT THE ASSUMPTIONS IN THIS PLAN ........................................................................................... 53 11.1. BROCHURES AND ADVERTISING MATERIALS ....................55 11.2. INDUSTRY STUDIES ................................................................ 55 11.3. BLUEPRINTS AND PLANS ........................................................57 11.4. MAPS AND PHOTOS OF LOCATION ......................................57 11.5. MAGAZINE OR OTHER ARTICLES .........................................57 11.6. DETAILED LISTS OF EQUIPMENT OWNED OR TO BE PURCHASED .......................................................................................57 11.7. COPIES OF LEASES AND CONTRACTS ................................ 59 11.8. LETTERS OF SUPPORT FROM FUTURE CUSTOMERS ........59 11.9. ANY OTHER MATERIALS TO SUPPORT THE ASSUMPTIONS IN THIS PLAN ........................................................................................... 59 11.10. MARKET RESEARCH STUDIES ..............................................67 1.1. LIST OF ASSETS AVAILABLE AS COLLATERAL FOR A LOAN68 SUMMARYERROR! BOOKMARK NOT DEFINED.ERROR! BOOKMARK NOT DEFINED. PERSONAL PROFILE .. ERROR! BOOKMARK NOT DEFINED.ERROR! BOOKMARK NOT DEFINED.

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BUSINESS STARTUP PRACTICAL PLAN

OWNER

: Shaji Viswanathan, Mcom, MBA (UK)

Business Name

: The close organic farm & earthly homes

Logo

:
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Website

: http://theclosefarmandhome.promarket.in

1.

Executive Summary

THE CLOSE ORGANIC FARM & EARTHLY HOMES is ready to begin the production and marketing of an exciting mixed products and services targeted to the users of Agriculture, Meat and Egg, Fisheries and Tourism industry. The main production area concentrated to the production of Goat for meat purpose, production of Eggs, production of fresh water fish, contract farming of poultry, production of organic vegetables, production of herbal plants, seeds, moreover production of saplings of plants, trees, herbal plants, flower plants and exploit the opportunities in farm tourism. The market for those has been growing in the last several years and these sectors are safe zone. The firm is in its start-up phase. The Peaceful Organic Green Garden with Hut and Food Stay of High Values for Low Costs

1.1. Business Opportunity

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This report is developed after having personal meetings and interviews with farmers who are commercially cultivating goat, chicken, contract farming of broiler chicken, fish, emus, rabbit, pig and cows in different geographical areas of Kerala. Apart from them we have also conducted telephonic interviews with professionals, individuals, farm owners, veterinary doctors, farm product merchants, agents and mediators. The information and data are collected from real time business environments in India and abroad and from life samples.

The present business opportunity for the (1) goat meat has a good opportunity in present local Kerala market as well as Indian market .The present requirement of goat meat not fulfilled by the present production. (2) Eggs are consumed in Kerala a very large quantity out of national production and depends other states. (3) Fresh water fish also required by star hotels and local markets and it also depending other states. (4) The demand of farm fresh and organic vegetable requirements are increasing (5) Production of saplings of plants, trees, herbal plants, flower plants, vegetable plants, production of seeds provides further income and also can provide readymade mixed teras gardens to urban needs. (6) Promoting Farm stay in bamboo huts, wooden natural fragmented huts and providing farm fresh organic vegetable dishes, fresh water fish and connecting the other tourism spots provides opportunities. The present Government policies strongly support Agricultural Sector, Animal husbandry, fisheries and Tourism. The scarcity of agricultural farm lands due to plantation of money crops, increasing population, decrease in production of food products, change of taste to organic foods, Increase in percapita income, increase in purchasing power, globalisation, decreased death rate, launching multinationals companies, new national and international companies, shortage of new generation entrants in agricultural and animal husbandry sector moreover the position of India moving to a developed country strongly support the opportunities of those industries.

1.2. Product Services Description

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The proposed business unit supposed to concentrate on production of Goat for meat requirements, chicken and duck Eggs, fresh water fish, organic vegetables, herbal plantation and saplings of trees, plants, herbal plants, flower plants, vegetable plants, production, collection and distribution of seeds. Moreover provides services of farm stay with food from organic kitchen and allied tourism activities. In addition engaged with contract faming of broiler chickens. So the recognized products and income spots are: - (1) Goat (2) Eggs (3), fresh Water Fish, (4) Organic Vegetable (5) Saplings and seeds (6) Medicinal Plants (7) Farm Stay (8) Organic Kitchen, (9) Contract Farming of Broiler Chicken. There are possibilities to ornamental fishes, sale of manures, and production of value added products. 1.3. Current Business Position Shaji Viswanathan 48 years old Mcom, MBA (UK) having international experience in Accounts, Administration, Production, Sales and Marketing, Tourism and Hospitality - will be the administrator of the firm and has strong agricultural family background and a passion in Agriculture, Animal husbandry, moreover has a technological updated mind with a clear vision and mission. The fundamental research made from the real life samples and the proposed plan originated from the life experience, passion, education and experience. The start-up phase basic co-ordination and management functions are in progress. (Personal CV attached with annexure) 1.4. Financial Potential The proposed business unit expects to generate revenue of Rs.2, 779,225 for the first twelve months and out of that Rs.850, 843 as net Income and expected to increase the volume in 75%, 100%, 125% and 150% for the next four consecutive financial years. The firm expects to gradually increase the stock and production in targeted income generating spots.

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1.5. The Request The Owner willing to invest a Capital of Rs.100,000 and seeking Term Loan of Rs.900,000 and these funds will be used for the investment purposes such as building/real estate, leasehold improvements, capital equipments, location and administration expenses, opening inventory, advertising and promotional expenses, miscellaneous expenses, contingency fund and working capital. 02. Company Background The proposed business plan originated from the life experience from family back ground, work experience in different companies in overseas, education and direct contacts with farms in India and abroad, moreover influenced the government policies of central and state governments. 2.1. Business Description The proposed business unit concentrated to maximum utilization of available land and facilities in a base of organically production base and generate income from, (1) Goat (2) Eggs (3), Fresh Water Fish, (4)Organic Vegetable (5) Saplings and seeds (6) Medicinal Plants (7) Farm Stay (8) Organic Kitchen, (9) Contract Farming of Broiler Chicken. The service areas are to provide good quality goat grown up in better living conditions, organically produced eggs, organically cultivated farm fresh vegetables, varieties of saplings and seeds, organically produced ayurvedic herbs moreover farm stay allied with tourism industry, organic food from own kitchen in addition to contract farming of broiler chicken unit.

The serving markets for produced products are concentrated to local markets, neighbouring state markets and national and international markets. The service area of farm stay and organic kitchen concentrates the tourists from local and other national and international tourists.

The business unit will be a production unit and supplies in wholesale from farm and in a short future re-tail outlets will be opened for perishables produced products and value added products. Service area of farm stay and organic kitchen services provided within the boundary of the farm. 2.2. Company History

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The proposed business is in start-up phase and the necessary background studies made from internet, periodicals, and television programs, published books other than life experience, moreover practical experience made from farm visits, discussions and interviews with experts like farm owners, veterinary doctors, and agricultural officers. 2.3. Current Position and Business Objectives

The proposed business unit currently has completed the research work of the sustainability and feasibility studies and other ground level coordinations and financial planning. The firm is solely based on the development of land, its products and animal husbandry. The firm is more concerned about the misuse and equally the underutilization of natural resources. The firm aims at sculpting its business ethics based on Best Green Organic principles to preserve, protect the mother earth and the ecosystem and thereby present it as a role model before others to show the best methods in utilizing the natural resources. We call this model of business as Best Green Business and it counts profit as a reward for making business by protecting the natural resources. The firm simultaneously build strategies with the support of professionals to seek methods for preserving the nature and the forest in its Best Green. The group intends to motivate, train and remind their staff members and associates and also encourage them to take steps in promoting the efforts to maintain the nature at its Best Green. The firm aims at establishing the farm in a suitable location with abundant supply of water, electricity and rich in its greenery within the geographical limits of Kerala. The Close Organic Farm & Earthly Homes Vision Statement To set our logo into Best Green Citizen inventory by strategically managed innovative and creative actions Mission Statement The close organic farm & earthly homes, aims to develop the farm and its products organically, based on the philosophy of Best Green Citizen and provides the products and services to the national and international customers and markets , besides that placing a dynamic trusting effect to the stakeholders of the firm . Values Statement

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The close organic farm & earthly homes, The Best Green Organic business culture moulded with values of customers, community, employees, environment and government" 2.4. Ownership The proposed proprietorship firm owned by Shaji Viswanathan and supported by Smitha c.s wife of proprietor Shaji Viswanathan and their children Kalidas s.s (16) and Indulekha.s.s (14). 03. Products

The recognized products and services and income spots are: - (1) Goat (2) Eggs (3), fresh Water Fish, (4) Organic Vegetable (5) Saplings and seeds (6) Medicinal Plants (7) Farm Stay (8) Organic Kitchen, (9) Contract Farming of Broiler Chicken. The products are day today required and demand is in high volume to local markets, as well as service area also highly demanded due to progress in tourism and changing attitude of people to organic culture. 3.1. Product Overview The income generating products and services are:(1) Goat: - The goat mainly grown for meat purposes in broiler way such as feuded by minimum food and maximum yield and sold out in a batch. Stock groups are feeded by dry foods. (2) Eggs: - Six months old country chicken and ducks are maintained for the egg production unit. (3) Fresh Water Fish: - fast growing varieties like mooshy, cutla, karimeen in separate tanks or ponds. (4) Organic Vegetable: - Organically cultivated fast moving and profitable vegetables such as green and red cheera, brinjal, chillies, tomato, ladies finger, it can use in organic kitchen and rest sold out in open market or outlet. (5) Saplings and seeds: - Sapling production of varieties of flower plants, vegetable saplings, karpoora tulsi, ayurvedic plants, aloevera and production of seeds. (6) Medicinal Plants: - Cultivation of ayurvedic medicinal plants.

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(7) Readymade teras agricultural garden for rural and urban houses. (8) Farm Stay :- National and international tourists can visit farm and enjoy our homely food and can stay in the huts, enjoy fishing, country craft ride and other arranged tour with other partnering firms. (9) Organic Kitchen: - Provides services to tourists, visitors, and technocrats for their week ends, get together parties, retirement functions, and arranged functions. (10) Contract Farming of Broiler Chicken: - Probably less risk and a reasonable income and useful for working capital requirements. (11) Agricultural Income: - The income from coconut trees, cashew nuts, jackfruit...etc can make an additional income. 3.2. Competitive Analysis The proposed business main products are suffering scarcity in nation wise, so the demand is increasing day by day. The scarcity of agricultural land, increase in population, low production will higher the demand, moreover the change of taste to organic products are increasing. 3.3. Suppliers and Inventory The approach to the live stock are easy acquirable from different government and private farms in Kerala. The government agencies are not only provided with services and advices but supplying seeds, agricultural equipments, feed, vaccines, medicines, more over the services can have from open market, veterinary doctors, agricultural officers, animal husbandry agencies and they can provide information and services.

3.4. Research and Development

The food products demand exists until unless a substitute for food requirements innovated for common use of humankind. The tendency of people moving to organic foods and the graph will go up together with the progress of the nation. The proposed firm has short future programs to make research and development to produce new organic

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innovative value added edibles and consumables for diversification and maximum utilization of resources such as:1. New organic and ayurvedic herbal Bar soap with a combination of coconut shell oil, aloe Vera, yamu oil with natural fragrance for the requirements of the focused customers. 2. New Ayurvedic Hair Oil 3. Body shampoo and liquid body soap 4. Herbal Drinks 5. Edible mixed nuts and dry fruits 6. Brahmi Tonic 7. Honey with gooseberry 8. Pickles 9. Packed snacks 10. Natural fragranced baby dresses and so on. 04. Services The proposed business can provide more service with the present proposed infrastructure with additional constructed two huts. A. Wooden constructed hut with natural herbal fragmentation by karpoora tulsi, turmeric, Rama tulsietc. B. Bamboo Hut Services 1. Farm stay 2. Organic kitchen food prepared from organic garden and fresh water fish 3. Fishing facilities from river 4. Arranged Country craft riding in Vamanapuram River 5. Arranged water tourism through out vamanapuram river- kallarachellangi (east), Attingal to mangroves island- chirayinkil- anchengo port- ponninthuruthy- Mumgode Lake (west) 4.1. Service Descriptions The close organic farm & earthly homes offers farm stay, organic kitchen services, farm fresh products, quick terrace vegetable garden, tourism services, fishing facilities, sapling and seeds supply, herbal plants, in addition to use the geographical opportunities to generate income through the maximum satisfaction of customers with the available facility and resources. 4.2. Competitive Comparison

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The food products have a perpetual market without cut-throat competition and perishables have a time lag restriction. The live stocks are selling at a batch or by partial. The competition not affecting due to high demand, but the service sector of farm tourism has a chance to compete with others. The tourism industry shows a pleasant graph and the government policies are hopeful, besides that the internal and external opportunities, facilities, creativity and innovative thinking, geographical opportunities help to carve a good industry share. 4.3. Service Delivery The proposed service of farm tourism focused not only national tourists but internationals also. The individual focus groups are:1. Technocrats, those who are celebrate their weekends in a farm atmosphere with organic food in a calm and quite atmosphere. 2. Nature lovers, farm visitors, peace seekers, writers, scholars...etc. 3. Tourists from north India and other neighbor states. 4. NRI Groups, world Malayalam groups 5. Foreign tourists 6. School, college, universities. 7. NGO s and government officials 8. Foreign student groups 9. Pilgrims, local tourists, 10. Small units from film industry The proprietors present client contacts from Singapore, Malaysia, U.K, Srilanka, Nepal, and present travel and tourism industry helps to give services to a reasonable number of clients. 4.4. Research and Development

In addition to the present location and infrastructure, the firm has plan to acquire own land to develop the business in a more convenient and spacious location for further development including precision farming. The action plan should be prepared considering with present feedbacks and other conveniences and should implement the plan for success. The firm aims to acquire own land and establishing the farm in a more convenient location with abundant supply of water, electricity and rich in its greenery within the geographical limits of Kerala. The firm aims at developing the farm and its products with a vision to placing it as one among the leading farms in India. 05. The Industry, Competition and Market

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The proposed business unit is within the boundary of Agricultural Industry, animal husbandry and tourism, if the action plans implement properly, this entire industry progress and market situation is favourable to the entrepreneur and it will be safe zone.

5.1. Industry Definition The organic agriculture, animals for meat purpose, birds for egg and meat, fish for food and ornamental has a high demand in locally and by the available land and infrastructure can produce a volume of local supply only with a minimum effort, so the competition not affected the products side, but know the competitors and exploit the opportunities by re-selling their products or sell own products to them, use their facilities by contract farming, tie-ups and mutual beneficial contracts. The available tourism facilities are minimal and maximum utilization of the facilities generates a good portion of income, moreover tie-ups with competitors and interaction with tourist hubs provide a reasonable coverage. 5.2. Primary Competitors The primary competitors for meat, vegetables and eggs and partially fresh water fish are from local farmers and mainly from other states and there are many disadvantages for those products, primarily it is not organic, high price, using chemicals, for fast weight gaining uses hormones. These factors and changing taste to organically produce products attracts market. The local market sellers and retailers in shops are not competitors and they are the customers of the firm. 5.3. Market Size The proposed firm focused to the whole population of India, especially the population of Kerala for the products. The service area focused to national and international tourists. The food products have a continuous market.

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Kerala District wise population

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5.4. Market Growth Due to the conversion of agricultural land to other money crops plantation, converting agricultural land for commercial and residential purposes leads to decrease in agricultural and animal husbandry production. The growth of population, decreased death rate, stepping up to developed countries list by Indian Union, present position of Kerala as a consumer state, high purchasing power of Kerala population, scarcity of younger and educated new entrants in agricultural and animal sector provides a green signal for Organic Green Business. These parameters shows growth in market and more opportunities.

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5.5. Customer Profile Kerala is a remarkable place by any standards, for it stands out so distinctly from the rest of India. The landscape is different, the customs are different, and the very rhythms of life appear different. Indeed, it appears as though Kerala were an afterthought somehow attached to peninsular India. Tourism is one of the most rapidly developing industries in Kerala. This study analyses the demographic, psychographic and the life style characteristics of foreign tourists visiting Kerala with the help of a primary survey. The study shows that two different classes of tourists visit Kerala. The first group is primarily motivated by factors such as heritage and culture, monuments etc. and found to be poor spenders. The second group comes for fun and to use the beaches and they are the ones who spent more. The study also reveals that spending patterns of foreign tourists are influenced by the life style characteristics such as duration of stay, budget, travel pattern and accommodation preferred. The study also highlights the fact that among the psychographic profiles, tourists who are motivated to come to India for the heritage and culture of the country have a correlation in their spending patterns with tourists who come motivated for a mountain holiday. The characteristics of targeted market and identifying the customers, demographics, psychographics are vital and separated them with group, age, gender, income, education, geographies and customers separated by location, city, country, state, region or country, life style, interest, opinions may helps to develop market strategies and targeting and positioning the brand name. With the present infrastructure and production capacity, the firm concentrated to such a viewpoint and proceeding. 1. Goat: - M/S. Bukhari 2. Hotel, East Fort, Thiruvananthapuram, M/S.Central Hotel Alamcode, M/S.Al-Jazeer, Narikkal, Varkala and District wise local butchers, personal buyers for different ceremonies. 2. Organic Vegetables and agricultural products: - Spot Sale, Local market sellers, local shops, use in own organic kitchen, sale from own outlet. 3. Fish: - Spot sale, contract with star hotels and use in own organic kitchen. 4. Saplings and seeds: - Spot Sales, exhibitions, festivals, flower shows, tie-up with competitors, on line trading of seeds. 5. Frogs: - Tie up with educational institutions.
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6. Fram Stay: - Local, National and International. 7. Organic Kitchen: - service to tourists and arranged functions. 8. Manures: - own garden use, selling to local farmers whole sale supply 9. Eggs.:- Spot Sale, Local market sellers, local shops, use in own organic kitchen, sale from own outlet. 10. Parent sock poultry and duck: - poultry farms, hotels, bars. 11. Ready made teras agricultural garden: - targeted to rural and urban houses those who have limited space. 12. Value added products: - Local shops and through distribution channels. Focusing to the identified market and recognize the characteristics of the identified market leads to the development of marketing strategies.

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6.

Marketing Plan

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6.1. Competitive Advantage The competitive advantages are as follows:1. The owners education, international work experience with different companies, innovative and strategic approach, implementation of innovative ideas, passionate curiosity, build team and manage, practically turning strategies into action will be an added advantage. 2. Concentrating to the organic farming and providing organic products. 3. Organic products consumption gradually increasing and tendency to move to that culture by global public and the proposed firm concentrates in it and reaping the opportunities from it. 4. Added value and fewer prices Organically cultivated products providing with the same price of non-organically cultivated products. 5. Scenic location near the river and other tourism spots nearby is an added advantage. 6. The townships, local markets, distribution centers are nearby. 7. Organic products are supported by society, media, government and judiciary. 8. Continuous quality check and maintenance of quality should be maintained. 9. Perpetual quality service and supply should be provided. 10. Branding should be maintained organic certification should be started from very beginning. 11. Innovation, research and development and branding should maintained 12. Convenience of customers should maintained own outlets counters in super market chains can practice 13. Reduce cost by mechanization agricultural works 14. Advantages of precision farming can practice 6.2. Pricing The pricing policy of a farm with mixed products including perishables can adopt various tactics and strategies. The models of pricing strategies should be considered on the run of service area and value added products and according to the nature of the product and services, it may Cost-plus pricing, Creaming or skimming, Limit pricing. Loss leader, Market-oriented pricing, Penetration pricing, Price discrimination, Premium pricing, Predatory pricing , Contribution margin-based pricing, Psychological pricing, Dynamic pricing, Price leadership, Target pricing, Absorption pricing, High-low pricing,
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Premium decoy pricing, Marginal-cost pricing, Value-based pricing, Pay what you want, Freemium , Odd pricing. 6.3. Distribution Channels The distribution channels and approach to the customers in a timely and economical manner are vital, different methods and resources can be used to deliver the products or services for the prompt and dynamic supply of products and services. 1. Direct sale 2. Hire and train Sales and support team 3. Outside representatives 4. Independent Agents 5. Re-sellers 6. Distributors 7. Intermediaries The relationship with these factors affect the costs and margins, but it economy to the firm instead of opening outlets with more infrastructure and other resources. At the beginning the firm supposed to do with mediators and in short period to open own outlet/s to branding the products. The cost and margin factors presented in the below chart for a period of base 12 months and based on the assumptions of that the pointed incomes are generated. There is time lag to generate income and more income generating spots are not mentioned.

6.4. Promotional Plan The proposed firm is in start-up phase and future marketing and promotional plans to promote the products and services to the
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customers, and how much to spent to acquire customers besides that what will be the advertising strategy and budget should following with the SWOT Analysis of the proposed firm. The promotional plan and marketing strategy of the firm considered the marketing mix planning, promotion and audience segmentation, communication models, promotion mix, objectives and setting promotional budgets. The area considered the supply chain, supplier, distributors, agents, partner organizations, competitors, local authorities, government and international bodies, financial institutions besides that the interest groups like pressure groups, employees, trade unions, local communities, media and opinion leaders. SWOT Analysis for The close organic farm & earthly homes The SWOT Analysis is the foundation for developing the strategies and tactics that then become the road map for writing the business operating plan. Prior to defining the companys strengths, weaknesses, opportunities and threats need to have a written Vision, Mission and Values statement. Have completed a thorough internal and external business status evaluation. The close organic farm & earthly homes , the organic best green garden farm spot with peaceful hut and food stay with high values for down to earth cost followed with entertainments in surrounded water and other tourist spots. Internal and external factors Strengths Positive tangible and intangible attributes, internal to an organization. They are within the organizations control. 1. The scenic spot faced to Vamanapuram River and the tourism opportunities through river, nearby lake and approach up to the Sea is an advantage. 2. Near to the place of VARKALA BEACH - the most attracted beach in the global tourism map. 3. The location situated near by the municipal area, besides that there is a high density of population surrounded by. 4. Beach and Lakes can approach within an hour.
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5. Nearest tourist attractions like- Varkala Beach, Ponnum Thuruthy, Anchenko Fort, Kappil Boat Club, Nataraja Guru Samadi, Sivagiri, varkala temple, ponmudi, Thiruvananthapuram city, eastern high range area...Etc. 6. Thiruvananthapuram Airport, (32 km) Chirayinkil and kadakkavoor Railway station (4 km) National Highway (4 km) can approach. 7. There is increasing governmental interest in the tourism sector and the proposed area declared packages for tourism promotion. 8. The present existing infrastructure helps some extent to start the operations swiftly. 9. Plans of IT based promotions open a bright future 10. Plenty of water source available and also electricity available. Weaknesses. Factors that are within an organizations control that detracts from its ability to attain the core goal. In which areas might the organization improve? 1. Lack of awareness about the spot and its facilities/services/etc...By both local public, national and internationals tourists. 2. Lack of Infrastructure developments. 3. the Scarcity of groceries, restaurants...etc. to very nearby 4. Further infrastructure of huts sheds to be constructed 5. Land preparation works to be done 6. Very low public transport facility available 7. Backup plan required for the extension and enlargement of farm 8. The land is for five years lease and long term investments not possible

External factors Opportunities External attractive factors that represent the reason for an organization to exist and develop. What opportunities exist in the environment which will propel the organization? 1. The organic food products requirements are increasing locally and globally and the supply and production is less.
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2. The government of India and Kerala government policy liberal to the tourism, animal husbandry and Agriculture. 3. The ayurvedic Market opportunities for Ayurveda today in India, Europe/U.S.A and other countries are gradually increasing. (Para medicines, cosmetics, veterinary products, Ayurveda education, ayurvedic therapies, doctors, ayurvedic wellness services, export of products.) So the plantation, services, products of these gives opportunities. 4. Tourism industry is booming day by day, development in Information Technology, Attractive air tariffs, benefits of globalization, makes use of the portion of the market share. 3. The increase in population, converting agricultural land to other money crops of plantations reduces the production and availability of organic food products, so there are opportunities existing in locally. 4. New educated entrants in agricultural and animal sector are very low and make use of the opportunities. 5. Government subsidies implementations. are available for agricultural project

6. Precession farming opportunities can implement Threats External factors, beyond an organizations control, which could place the organizations mission or operation at risk. The organization may benefit by having contingency plans to address them should they occur. (Classify them by their seriousness and probability of occurrence) 1. 2. 3. 4. 5. 6. 7. The scarcity of Local public transportation. The marketing and publicity required in short future. The doubt about co-operation of general public The local government bodies rules and regulations The re-locating cost and backup plans The unexpected diseases to live stock The flood and natural calamities

Plan of action 1. Capitalize the strengths

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2. Overcome or minimize the weaknesses 3. Take advantage of some new opportunities 4. Respond to the threats 1.Capitalize the strengths:- Segmenting the The Close Organic Farms & Earthly Homes in the Organic Green Business map of India as, Best Green organic business culture moulded with values of customers, community, employees, environment and government. The The close organic farm & earthly homes, the organic best green garden farm spot with peaceful hut and food stay with high values for down to earth cost followed with entertainments in surrounded water and other tourist spots. 2. Overcome or minimize the weaknesses 1. By TV advertisements(after setting up infrastructure, facilities, production) broachers, notices and name sticker with Logo and slogan make familiar with general public, national and international tourists, Website, public networks and also you tube introduce the firm to NRIS, world Malayalam council and globally. 2. The whole area should be cleaned without hurting the nature or greenness and make use of it. New echo friendly huts should be made and sun bath area should be maintained. (The Europeans coming mainly for to get sunlight, fishing, sea bath, delicious food in cheap rate). 3. Develop the infrastructure in temporary manner aiming to re-relocate the farm after lease period. 4. Make tie-ups with nearby bakeries, restaurants, catering services to provide the necessities to the tourists and other farm visitors. 5. Open information centre (or tie up with possible suitable) to give information. 6. Use mechanical equipments for land levelling and preparation works to reduce cost and speedy completion to arrive targets. 7. Buy vehicle for instalment and arrange tie-up for long trips of tourists with local transport providers.
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8. Avoid long term plantation exceeding five years and use the property for short term crops production and other animal, birds and fish. 9. Prepare to buy own property within a short period of time and proceed with permanent construction and long term plantation and developments.

3. Take advantage of some new opportunities 1. Proceed with the production of organic foods and focus to enter into global market also. 2. Make use of all the available government subsidies and rebates for projects and equipments. 3. The new demands in Ayurveda in global market can exploit by producing an item, innovate and produce a cosmetic or medicinal item or exporting an existing item in new pack or in same pack focusing to middle east, u.k, u.s.a..Etc. 4. Make sure of the market share from the tourism industry. 5. Proceed with acquiring cheap lands in the geographical area of Kerala State or nearest states of Kerala. 6. Proceed with the production and marketing of Value added products. 4. Respond to the threats At any cost respond with the threat existing or deriving in future. 1. Arrange transportation to take the guests to sea shore (and other tourist spots) with their convenience, comfort and satisfaction. 2. The scarcity of public transportation keep away the local market resellers of agricultural products from the farm, so arrange a distribution centre to township for re-tail and whole sale. 4. Make sure to provide quality food in varieties and high standard to organic kitchen users, besides that maintain a high standard with homely atmosphere.
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6. To compete with the competitors and new entrants- new tactics to be practiced- to tie up with the local lobbies, drivers, shops, etc...And a new net work has to develop from kanyakumari trvpm alleppy Kochi etc - furthermore to tap the tourists from other states the state capital should be covered. 7. Broachers and booklets covering literature about farm, through post, hand over, door to door delivery, distribution in tourist spots, flex board in different significant spots. Advertisement in TV, tour magazines, dailies, etc...E-books, internet advertisements. Participation in Tourism seminars, exhibitions etc. make more familiar the firm. 9. Give the place for cinema location and generate a reasonable income. 10. Tie-up with other competitors and co-operate with local bodies, clubs, associations, and influence those who can influence higher authorities, contacts for wellbeing and income generation for the firm. 11. Be prepared to face the marketing and publicity cost requirement in short future. 12. Confirm the co-operation of local people, ward member, punchayath authorities, police, agricultural officer, veterinary doctor and other important people those who can influence the smooth run of the project. 13. be prepared and make and make backup plans to re-locate after lease period. 14. Make sure to insure the live stock and caution about deceases of live stock. 15. Precaution for flood from the river. PLAN-DEVELOP- NEW Marketing strategies and marketing tactics. The causes (not characteristics) affecting the Swot Analysis The Causes for each issue in a SWOT analysis can often be found in the organizations and competitors resources: The main resources are Financial, Organizational, Intellectual, Informational, Legal, Relational, Human, and Reputation. 1. Know yourself: Know the mission and vision of the company. 2. Know customers/stakeholders. 3. Know competitors 4. Know environment
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The elements Strengths and weaknesses Scale and cost economies Size and financial resources Intellectual, legal, and value of reputation Opportunities and threats Trends in the competitive environment Trends in the technological environment Trends in the socio-cultural environment -driven planning The assessment of strengths and weaknesses should look beyond products, services and resources to examine processes that meet customers or stakeholders needs. Achieving goals and objectives depends on transforming strengths into capabilities by matching them with opportunities Weaknesses can be converted into strengths with strategic investment. Threats can be converted into opportunities with the right resources. Weaknesses that cannot be converted become limitations which must be minimized if obvious or meaningful to customers or stakeholders. Use it as a guide and not as a prescription The environmental (SWOT) Analysis revealed the Specific, Measurable, Achievable, Relevant, Timed and Targeted (SMARTT) Objectives and it is the starting point of the marketing plan of SMARTT Objectives and it can enable to control the Marketing Plan as well as motivating individuals and teams to reach a common goal also provides an agreed consistent focus for all functions of an organisation.

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6.4. Feedback The marketing effort will not be effective without maintain and grow customer base. The feed back is the two way effect of the actions returned to modify the next action, so the feedback mechanism to be identified to see whats working and reveals the early signs of changes in customer buying habits. Identify the customer buying habits through sales people, distributors, direct customer approach and identify the focus groups changing wants and needs by survey, mails, telephone survey or recognized through sales persons, distributors and identify the reason for purchasing the products or services, after that combine and evaluate the targeted sales and actual sales, if the actual sales exceeds the targeted sales capitalize it in the future and if it is vice versa take corrective steps. 07. Operating Plan The proposed business firm operated from the state of Kerala with a suitable location with availability of water sources, road approach and electricity, besides that considering with suitable soil, ground support from locals, convenience of transportation, availability of cheap labour, co-operation from local bodies, further more considering the production, diversification and marketing criterias. 7.1. Location The firm is in its start-up phase and the proposed location is suitable for the proposal and to start within thirty days after the term loan granted. The 1.25 acre land has road access. The proposed location already possess a three bedroom semi terraced and tile roofed building with all amenities like kitchen, sit out, bathroom besides that electricity, well with motor and abundance of water moreover available additional income from 50 numbers of coconut trees, mango trees, jack fruit and cashew nut tree. The proposed property facing the Vamanampuram River and the scenic beauty is supporting the tourism business. In addition the soil suitable for cultivation and other proposed farming activities. There are another locations are also considered and negotiating for the business , more convenient location will be selected considering with the convenience, smooth run and profitability. 7.2. Facility The facilities required for the production and service for (1) Goat (2) Eggs (3), Fresh Water Fish, (4) Organic Vegetable (5) Saplings and seeds (6) Medicinal Plants (7) Farm Stay (8) Organic Kitchen, (9)
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Contract Farming of Broiler Chicken (10) Plantain and other crops are required building/real estate, leasehold improvements, capital equipments, location and administration expenses, opening inventory, advertising and promotional expenses, landscaping expenses, contingency fund and working capital. The proposed business has a leased property with a land area of 1.25 acres with 2500 sift semi concreted and tiles roofed building, besides that another 1000sqft cattle shed including a store room, further more there is a well with abundance of water and motor facility, water tank and irrigation facilities. More over there is permanent electric connection and there are coconut trees, areca nut, cashew, plantain, and tamarind and flower plants existing. There is road approach to the proposed site from main bus route road, in addition the Vamanapuram River flowing in front of the property and there is a River Cross in front of the property. Additional facilities In addition to the available facility, there are further requirements needed: 1. Wooden natural fragranced hut 2. Bamboo and wooden mixed hut 3. Small open kitchen and umbrella roof 4. Wood coats/steel coats 5. Chairs/wooden bench//dining table 6. Kitchen utensils 7. Bed sheet/pillows/toiletteries 8. Steel hook- fishing hook 9. Country craft/small boat ( purchase/rental or arranged) 10. Other miscellaneous. 7.3. Operating Equipment The increased labor charges will affect the agricultural production cost, so the proposed firm decided to make the production with the help of mechanization and drip irrigation prior to precession farming.

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The service area also required equipments as follows:-

7.4. Suppliers and Vendors The stock suppliers are from government, private agencies and other feeding materials are from open wholesale market. The proposed business needs a continuous purchase of animal and birds feedings in regular intervals. The present initial and a short period purchase will be on cash basis from whole sale dealers from open market and through the expansion process the purchase is change over to direct from manufacturers with credit/cash basis.

The other suppliers are:1. Kollam Super Market at Puthenchantha, Varkala. 2. Chalai whole sale market 3. Kollam wholesale market 4. Ducks Kilimanoor Mr.Murughan 9994738669 5. Plantain Tissue culture Karunagappally- 9961589572 6. Seeds Agasthya Farm- Chenkottai
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The necessary ground work studies, wood materials for hut, goat shed, has been arranged from different locations and shaped in saw-mill, discussions and negotiations are done so far. The production profitability chart in the appendix reveals the process and marketing plan explains how the products and services deliver to customers. The problems in the production process may be the spreading of diseases, natural calamities, unfavorable climatic conditions, shortage in labor, and lack of cleanliness, remedies and backup plans should be forecasted. The production process should be in industry standards and should be join with industry organization and other trade memberships. Organic certification process to be done and membership with The Kerala State Small Industries Association, Kerala vyapara vyvasaya akopana smithy membership is obtained, besides that individual product promotion bodys membership to be obtained. The rules and regulations regarding pollution, local body law should be obeyed and necessary licences should be obtained. 7.5. Personal Plan Time management: Using daily time managements questionnaires and time logs, the author, realised the weaknesses and strengths that have to reach the goals in time. The author started working on it daily, thus the self assessment is done. And this logs along with the involvement in the groups and sharing responsibility helps to achieve the time management in all areas of life. Stress management: The author started working on stress management, as well as, has started meditation and other activities to relax. The author joined with a friends group, those who are acting like a club and engaging in badminton plays. Involving in social activities. Now a day feels open to share the responsibilities with others and thus made self calm and peace at any circum stances, moreover, believing the abilities of others and delegating responsibilities to others and enjoying the art of get things done by others. Presentation skills: Even though the author can manage own works independently, but weak at gathering ideas from utilising new technologies and also on essay and projects presentations. Here as a remedy for that, allotted more time to reading and writing skills , which improved the presentation skills, as well as, the general knowledge .

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Running meetings: The author was an independent player in meetings and trying to overhead the colleagues. So decided to talk openly with my partners about the issues faced and tried to be a good listener than a lone player, further more tried to greet others making them aware about the team player character. Smart analysis; to achieve the above skills, used SMART TOOLS SPECIFIC: After the specified skill of team play and presentation also the meeting management, tried towards the goal step by step and very clearly. Specifying the goals helps to achieve in a short period of time. MEASURABLE: To attain the objectives the author used to measure each and every steps towards the goal, and, analysed self with the time management and time logs. ACHIEVABLE: It is important to made oneself to understand and aware about the failures, and one dont give up everything is achievable. For this the author put self in team plays and also training programmes, to measure to achieve the objectives REALISTIC: The author understands the objectives are realistic. To attain the four skills, various time logs are used daily, furthermore, taken every step to make the opportunity counted. TIME BOUND: It is related with the time management. The time logs used for to get the goals in time, moreover, attended workshops and seminars to reach the assigned plans. Also done the criteria that related to time management to reach the objective in time. Swot analysis: Through this tool it is realised the strengths and weakness. Strength: The author able to attain and set the goals independently, after that, very bold to do things independently, also very keen for using opportunities. Weakness: The author overrides the opinions of others, also very impatient and does things in gut reactions, furthermore not aware of how to utilise people effectively. Threats: If the author not able to do own work at time and wont lead people effectively, the organisation can hire others and demoting me.

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Opportunity: The strength is to keenly eye on the opportunities and make use of it. There are more opportunities there, so grow and improve. The ideal leader can lead the firm to the targeted goals, with self analysis one can make corrective steps both in personal and professional.

7.6. General Operations The proposed business operating from the state of Kerala from the farm house office address. Mr. Shaji Viswanathan is the owner and operations manager. The Farm starts works at morning 8 am to 5 pm all days and resident persons will be there for 24 hours attention to farm animals and birds. Particular time tables are displayed in the farm for assigned duties. 8. Management, Organization and Ownership . The close organic farm & earthly homes is owned by Shaji Viswanathan. The ownership is sole proprietorship and the owner leads and assists in the implementation of the production and services provided by the company with other team members. Shaji Viswanathan Mcom, MBA, Post graduated from Kerala University(1989) and MBA from Sunderland University U.K,(2011) have worked with chartered accounting firm and have about 18 years accounting and administration experience in India and Middle East and with multy skills , updated technological brain, moving with the global changes and challenges, foreseeing the future changes in Indian economy and global economy more over the changes of market trends and tastes , besides that recognizing the deriving opportunities. 8.1. Management /Principals Shaji Viswanathan Mcom, MBA, Post graduated from Kerala University(1989) and MBA from Sunderland University U.K,(2011) have worked with chartered accounting firm and have about 18 years
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accounting and administration experience in India and Middle East and with multy skills , updated technological brain, moving with the global changes and challenges, foreseeing the future changes in Indian economy and global economy more over the changes of market trends and tastes , besides that recognizing the deriving opportunities.

8.2. Organizational Structure

8.3. Professional Consultants 1. Agriculture officers (Mr. Josh and other Local agriculture officers) 2. Vetirinery doctors (Service from local and arranged) 3. Advocates (Mr. Anil) 8.4. Ownership and Boards The ownership will be a sole proprietorship and to obtain certifications and affiliations from the supporting boards. 09. Goals and Strategies The mechanization process and precision farming opportunities reduce cost and opportunities in organic farming and products provides market opportunities, by implementing this action plan correctly at prompt time can helps to attain the targeted goal. 9.1. Business Goals To attain the vision within a reasonable period of time. 1. To acquire minimum of 10 acres of own land within the geographical Limits of Kerala within five years. 2. Develop a model farm with long term investments. 3. To expand the production of agricultural products in large scale. 4. Expanded units of goat, fish. Egg laying chicks, ducks, emus, ornamental Fish, frog...etc. 5. Value added production unit for edible and consumables. 6. Create a trusted image to the stake holders and general public.
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7. Break the boundaries of the countries and put the logo globally. 9.2. Keys to Success The success of every business unit depends on not only the turning of Strategies in to Action, but also with other phenomenas like:1. Sell each unit at a profit 2. Continue to reduce overhead costs 3. Develop new products while maintaining the high quality of existing products 4. Find and retain high value customers 5. Create and maintain highest level of customer satisfaction 9.3. Future Plans The firm has to run its day today activities with good cash flow and working capital, and has to ensure the perpetual progress and expansion process to attain the vision and for the proceedings to the target the future additional purchases are required. 1. Mini tractor with multi functional fittings. 2. Distribution van 3. Incubilator 4. Precision farming equipments 5. Expansion of leased land and purchase of own land 6. Construction of own buildings 10. Financial Assumptions The financial assumptions made for the preparation of projected financial reports are as follows:-

1. the sale of poultry calculated as, every 45 days the stock will be turned, so yearly 8 times stock will turnover from a single shed. 2. The manure sales calculated Rs.50 per sack. 3. The cost of sales of salaries and wages calculated for the one permanent staff and extra expenses related with cleaning and maintenance of shed and surroundings relating with the stock removal and new stock arrival. 4. Electricity and water are precious, besides that there is future shortage may occur, so back up policies and plans should be maintained and provisions should be created. 5. Mortality cost calculated @ 5% of the total production. 6. Quality cleaning materials should be used to maintain the farm away from diseases and bad smell for the sustainability.
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7. Depreciation calculated on the basis of that all the shed and other depreciable had a life span of 15 years. 8. Insurance charges made an assumption of Rs.10, 000 for first 12 months operation. 9.Interest and prime amount calculated on the basis of 12% interest per annum for the Loan Amount. 10. Projected five year income statement shows increase in production and revenue due to additional shed constructed in available space. 11. The sales revenue assumed as cash sales.

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10.1. Personal Financial Statement

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10.2. Start-up expenses and Capitalization

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10.3. 12 months profit and loss projection

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10.4. 5 years profit and loss projection

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10.5. Cash flow Projection

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10.6. Projected Balance Sheet

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10.7. Breakeven Analysis 10.8. Estimate of Financial Future. 11. Appendixes

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11.9. Any other materials to support the assumptions in this plan

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11.1. Brochures and advertising materials 11.2. Industry studies

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11.3. Blueprints and plans 11.4. Maps and photos of location 11.5. Magazine or other articles 11.6. Detailed lists of equipment owned or to be purchased EQUIPMENTS. 1.Tube Lights 2. Water feeders with feeders
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3. Water tanks 4. Tube system to serve medicine with water 5. Motor pump to pump water from well 6. Sprayers 7. Manual showel 8. Utensils 9. Biogas plant 10. Tool kits

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11.7. Copies of leases and contracts 11.8. Letters of support from future customers 11.9. Any other materials to support the assumptions in this plan

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Loan Amortization Schedule

Enter values $ 900, Loan 000. amount 00 Annual interest 12.0 rate 0 % Loan period in years 5 Number of payments per year 12

Loan summary $ 20,0 Scheduled 20.0 payment 0 Scheduled number of payments 60 Actual number of payments 60

Total early payments

Start date 1/9/2 of loan 012 Optional extra $ payments Len der nam e: SAAP

Total interest

$ $ 301, 200. 17

P Pay Beginning Sch Ext Total mt men Balance edul ra Pay

Principal

Inter Endi est ng

Cu mul

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N o.

t Date

ed Pay men t $ 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0

Pa ment ym ent

Bala nce

ativ e Inte rest

2/9/2 012 3/9/2 012 4/9/2 012 5/9/2 012 6/9/2 012 7/9/2 012 8/9/2 012 9/9/2 012 10/9/ 2012

$ 900,000.0 0 888,980.0 0 877,849.7 9 866,608.2 9 855,254.3 7 843,786.9 1 832,204.7 8 820,506.8 2 808,691.8 9 796,758.8 0 784,706.3 9 772,533.4 5

$ -

11/9/ 10 2012 12/9/ 11 2012 1/9/2 12 013

$ 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0

$ 11,020.00

$ 9,00 0.00 8,88 9.80 8,77 8.50 8,66 6.08 8,55 2.54 8,43 7.87 8,32 2.05 8,20 5.07 8,08 6.92 7,96 7.59 7,84 7.06 7,72 5.33

11,130.20

11,241.50

11,353.92

11,467.46

11,582.13

11,697.96

11,814.93

11,933.08

12,052.41

12,172.94

12,294.67

$ 888, 980. 00 877, 849. 79 866, 608. 29 855, 254. 37 843, 786. 91 832, 204. 78 820, 506. 82 808, 691. 89 796, 758. 80 784, 706. 39 772, 533. 45 760, 238. 78

$ 9,00 0.00 17,8 89.8 0 26,6 68.3 0 35,3 34.3 8 43,8 86.9 2 52,3 24.7 9 60,6 46.8 4 68,8 51.9 1 76,9 38.8 3 84,9 06.4 2 92,7 53.4 8 100, 478. 81

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2/9/2 13 013 3/9/2 14 013 4/9/2 15 013 5/9/2 16 013 6/9/2 17 013 7/9/2 18 013 8/9/2 19 013 9/9/2 20 013 10/9/ 21 2013 11/9/ 22 2013 12/9/ 23 2013 1/9/2 24 014 2/9/2 25 014 3/9/2 26 014

760,238.7 8 747,821.1 6 735,279.3 7 722,612.1 6 709,818.2 8 696,896.4 6 683,845.4 2 670,663.8 8 657,350.5 1 643,904.0 1 630,323.0 5 616,606.2 8 602,752.3 4 588,759.8 6

20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0

20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0

12,417.62

7,60 2.39 7,47 8.21 7,35 2.79 7,22 6.12 7,09 8.18 6,96 8.96 6,83 8.45 6,70 6.64 6,57 3.51 6,43 9.04 6,30 3.23 6,16 6.06 6,02 7.52 5,88 7.60

12,541.79

12,667.21

12,793.88

12,921.82

13,051.04

13,181.55

13,313.36

13,446.50

13,580.96

13,716.77

13,853.94

13,992.48

14,132.40

747, 821. 16 735, 279. 37 722, 612. 16 709, 818. 28 696, 896. 46 683, 845. 42 670, 663. 88 657, 350. 51 643, 904. 01 630, 323. 05 616, 606. 28 602, 752. 34 588, 759. 86 574, 627. 45

108, 081. 20 115, 559. 41 122, 912. 21 130, 138. 33 137, 236. 51 144, 205. 48 151, 043. 93 157, 750. 57 164, 324. 08 170, 763. 12 177, 066. 35 183, 232. 41 189, 259. 93 195, 147. 53

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4/9/2 27 014 5/9/2 28 014 6/9/2 29 014 7/9/2 30 014 8/9/2 31 014 9/9/2 32 014 10/9/ 33 2014 11/9/ 34 2014 12/9/ 35 2014 1/9/2 36 015 2/9/2 37 015 3/9/2 38 015 4/9/2 39 015 5/9/2 40 015 41 6/9/2

574,627.4 5 560,353.7 3 545,937.2 6 531,376.6 3 516,670.3 9 501,817.0 9 486,815.2 6 471,663.4 1 456,360.0 4 440,903.6 4 425,292.6 7 409,525.6 0 393,600.8 5 377,516.8 6 361,272.0

20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0

20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0

14,273.73

5,74 6.27 5,60 3.54 5,45 9.37 5,31 3.77 5,16 6.70 5,01 8.17 4,86 8.15 4,71 6.63 4,56 3.60 4,40 9.04 4,25 2.93 4,09 5.26 3,93 6.01 3,77 5.17 3,61

14,416.47

14,560.63

14,706.24

14,853.30

15,001.83

15,151.85

15,303.37

15,456.40

15,610.97

15,767.08

15,924.75

16,083.99

16,244.83 16,407.28

560, 353. 73 545, 937. 26 531, 376. 63 516, 670. 39 501, 817. 09 486, 815. 26 471, 663. 41 456, 360. 04 440, 903. 64 425, 292. 67 409, 525. 60 393, 600. 85 377, 516. 86 361, 272. 02 344,

200, 893. 81 206, 497. 34 211, 956. 72 217, 270. 48 222, 437. 19 227, 455. 36 232, 323. 51 237, 040. 14 241, 603. 74 246, 012. 78 250, 265. 71 254, 360. 96 258, 296. 97 262, 072. 14 265,

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015

7/9/2 42 015 8/9/2 43 015 9/9/2 44 015 10/9/ 45 2015 11/9/ 46 2015 12/9/ 47 2015 1/9/2 48 016 2/9/2 49 016 3/9/2 50 016 4/9/2 51 016 5/9/2 52 016 6/9/2 53 016 7/9/2 54 016 8/9/2 55 016

344,864.7 4 328,293.3 8 311,556.3 2 294,651.8 8 277,578.3 9 260,334.1 7 242,917.5 1 225,326.6 8 207,559.9 5 189,615.5 4 171,491.7 0 153,186.6 1 134,698.4 7 116,025.4 6

20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0

20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0

2.72

16,571.36

3,44 8.65 3,28 2.93 3,11 5.56 2,94 6.52 2,77 5.78 2,60 3.34 2,42 9.18 2,25 3.27 2,07 5.60 1,89 6.16 1,71 4.92 1,53 1.87 1,34 6.98 1,16 0.25

16,737.07

16,904.44

17,073.48

17,244.22

17,416.66

17,590.83

17,766.74

17,944.40

18,123.85

18,305.09

18,488.14

18,673.02 18,859.75

864. 74 328, 293. 38 311, 556. 32 294, 651. 88 277, 578. 39 260, 334. 17 242, 917. 51 225, 326. 68 207, 559. 95 189, 615. 54 171, 491. 70 153, 186. 61 134, 698. 47 116, 025. 46 97,1 65.7

684. 86 269, 133. 51 272, 416. 44 275, 532. 00 278, 478. 52 281, 254. 31 283, 857. 65 286, 286. 82 288, 540. 09 290, 615. 69 292, 511. 85 294, 226. 76 295, 758. 63 297, 105. 61 298, 265.

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0 20,0 9/9/2 20.0 56 016 97,165.71 0 20,0 10/9/ 20.0 57 2016 78,117.36 0 20,0 11/9/ 20.0 58 2016 58,878.53 0 20,0 12/9/ 20.0 59 2016 39,447.31 0 20,0 1/9/2 20.0 60 017 19,821.79 0 11.10. Market research studies

0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 20,0 20.0 0 19,8 21.7 9

19,048.35

971. 66 781. 17 588. 79 394. 47 198. 22

19,238.83

19,431.22

19,625.53

19,623.57

87 299, 237. 53 300, 018. 70 300, 607. 48 301, 001. 96 301, 200. 0.00 17

1 78,1 17.3 6 58,8 78.5 3 39,4 47.3 1 19,8 21.7 9

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1.1. List of assets available as collateral for a loan

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