1.

Business models analysis

A. Credit Union Keling Kumang (CUKK)

a. Key information on the service provider business model

Name Credit Union Keling Kumang (CUKK)

Legal status Koperasi Kredit (CU) Keling Kumang

Ownership(specify (Provide more background information on the owners, their education, experience etc. )
shareholders and
governance (Also please indicate if and how often Board meetings are held. )
structure)

Country Provide background information (bio’s) of key managers in the company.

Areas of operation Indonesia

In operation since Jln. Sekadau - Sintang Km 27 Tapang Sambas, Dsa. Tapang Semadak, Kec. Sekadau Hilir, Kab.
Sekadau, Kalimantan Barat 78982 (Specify locations in Indonesia)

Types of services 25 Maret 19931993(Specify year the company was established)

offered to farmers

Types of crops •…

PLEASE ALSO SPECIFY OTHER BUSINESS LINES, E.G. INPUT SUPPLY THROUGH A SHOP OR
OTHER SERVICES THROUGH THE SAME LEGAL ENTITY

Profitability model

b. Investment case

Subject Explanation Description (please fill out)

Management Capacity

Entrepreneurial
capacity

Sector experience

Current Financials

Turnover size Annual turnover of the

company over the past 3
 years.
Annual income from farm
service provision of business
past 3 years

Net annual profit /

loss in the last 3
years

Current equity

Current debtors Specify amount & type

Grant raised to date

% of grant spent to
date

Current Outreach

Overall farmers
reached

No of farms and
acreage of land
being currently
managed

Quality of Financial Statements

Accounting How often are accounts

produced?

Outsourcing of accounting
and / or in-house staff
(indicate qualification).

Audited Are the financial statements

statements? audited?

Financial capacity Assess the quality of:

- financial systems;
- financial accounts;
- financial management.

Financing Requested

Type of capital Working capital, investment,

required trade finance etc.
 Growth projections Specify increase over next 3
years in:

- Turnover
- Profit
- Farmers reached
Indicate Return on Inv. (if
available)

Investment needed Specify amount (total) and

mention other sources
(equity current owners, etc.)

Use of additional Specify use of capital, i.e.

capital amount to buy input, finance
labour, purchase of
equipment and of vehicles /
trucks

Risk

Production What happens if the harvest

fails?

What is done to mitigate this

risk?

Will labour and input costs

be lost?

Price What happens in the case of

a drop in crop prices? How is
this risk mitigated?

Climate Indicate key climate risks and

how the program addresses
these risks

Market Indicate key market risks

such as market
concentrations, market
acquisition etc.

Contingency and Are there certain regulations

legal that may affect the business,
are there subsidies offered
to the farmers that may be
cut in the future?
 Currency Indicate any currency risk
that the business may face

Social and Environmental performance

Environmental Indicate how the company 

Performance deals with the key
environmental risks.

Social Performance Illustrate how the company

contributes to improvement
of social performance (SHFs
reached, women reached,
increase income of low
income groups)

E&S policy in Indicate if the company has 

place? an E&S policy

Monitoring of Is E&S performance being

implementation monitored?
E&S standards

E&S reporting Are there reports on E&S 

performance of the
company?

Compliance with IFC and other bilateral and 

IFC standards national development banks
have separate standards
which are quite demanding.
Indicate if these are followed
or not.
 c. Business model analysis (for the farm management only)
Key Partners (KP) Key Activities (KA)
Who are the key What are the key activities
partners/suppliers? developed by the company
(by revenue streams,
distribution channels, in
relation to the farmer)?
 …
 Advisory services?
 Training?
 Marketing?
Key Resources (KR)
What are the key resources
utilized by the RSC
(physical, intellectual,
human, financial)?
 …
Value Proposition (VP) Customer Relationship (CR) Customer Segments (CS)
What value does the What type of relationship For whom is the company
company deliver to the does the company have with creating value? Who are its
farmers? Which problems the farmers? most important customers?
of the farmer does the
company solve?
 …  Farmers
 Others?
 …
Channels (CH)
Through which channels does
the company reach the
farmers/other customers?
How does the company sign
up new clients? Which ones
work best? Which are the
most cost-efficient?
 …
Cost structure (C) Revenue Streams(R)

What are the most important costs? Which key resources are most For what value are the customers paying? How are they paying? How much
expensive? Which key activities are most expensive? does each revenue stream contribute to overall revenues?

 …  …