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ACKNOWLEDGEMENT
Assalammualaikum w. b. t.
First and foremost, we are grateful and thankful to Allah S.W.T, because of
His blessing, we had done such a wonderful task given entitle “Business Plan:
Banana’s Enterprise” successfully.
We would like to acknowledge our dedicated and beloved lecturer of ENT 300
subject, Miss Nur Syairah bt Ani who had give us such a good and benefit ideas,
instructions and advices in order to do this proposal. Thank you so much.
Not to forget our beloved parents that have been supporting us by giving out
general information that we needed to finish up this project.
For our friends that helped us and the morale support that they shown has
enable us to complete this project, our gratitude also goes to you all.
Last but not least, to our group members who had give brilliant ideas, spend
times, sacrifices our money, and give full commitment in doing this proposal. Thank
you to you all. We had done a really good and successful job. We were really
appreciates to have kind of group members like all of you. Lastly, to all persons who
had involved in this proposal either directly or indirectly thanks you so much.
1
LETTER OF SUBMISSION
Diploma in Estate Management,
Part EM4C,
UiTM Perak Branch,
Seri Iskandar,
32610 Bota,
Perak Darul Rizuan. 8th of April 2009
__
MISS NUR SYAIRAH BT ANI
ENT300 Lecturer,
UiTM Perak Branch,
Seri Iskandar,
32610 Bota,
Perak Darul Ridzuan.
Dear miss,
SUBMISSION REPORT OF BUSINESS PLAN PROJECT (ETR 300)
Referring to the subject stated above, we would like to submit our ENT300 Business
Proposal as a final process in making our project. We are in the business of planting
and supplying the bananas that are ‘Pisang Tanduk’ and ‘Pisang Berangan’ and
bananas snack which is located in Hutan Melintang, Perak. Our company will be
knon as “Banana’s Enterprise”.
2. For your information, our business location is situated at:
No 72, Kampung Panglima,
36400 Hutan Melintang,
Perak Darul Ridzuan.
2
3. We had put our greatest commitment in order to complete this business plan
according to the guidelines and requirements given according to our subject
syllabus. This business plan is constructed to serve as a blueprint and guide for a
proposed business venture which covers administration, marketing, operation and
financial aspects.
4. We hope that this business plan wills success according to your satisfaction.
Any mistakes or lacking in any area falls fully on us and we appreciate any
comments or remarks on our project in order to help us to improve ourselves as well.
Thank you.
Yours sincerely,
__________________________
(OLY NABILA BINTI ABD AZIZ)
General Manager, Banana’s Enterprise
3
EXECUTIVE SUMMARY
Banana’s enterprise is a company that generally known as selling banana
which are Pisang Berangan which is for eat freshly and Pisang Tanduk which is to
be sold as banana chips. That was our product. We will serve a good quality in
supplying our product to our clients and customers.
Our company consists of eight members whereby all the members give full
support to this project. All the members contribute the same amount of capital. One
of the member is willing to contribute her land to be as our banana plantation site
and for this reason, she will get more shares that the other seven. In addition, one of
the partnership members is willing to contribute her lorry for the delivery service. For
this reason she will get one percent more than other six members.
Why we choose banana? It is because the nutrients in banana itself show that
it has been get the high demand among users and customer. Other reason is
because the land is suitable to plant the bananas.
We will only produce the best quality of bananas to our clients and customers.
How we will serve the good and quality of bananas will explained on operation part.
We will use crop-rotation planting as our types of planting the banana. This can
effect on continuous product in a year and we can supply our product often compare
if we not doing this kind of planting.
In the future for around five years after this project established, our target is to
add more workers, to expand our site and to be the biggest supplier in Malaysia
supplying the banana abreast in international level and to be the trusted supplier for
all level ages of people and races.
4
INTRODUCTI
ON
5
1.0 INTRODUCTION
1.1 NAME OF THE COMPANY:
Banana’s Enterprise
1.2 NATURE OF BUSINESS:
Sell banana leaf
Sell banana flower
Sell banana chips
1.3 INDUSTRY PROFILE:
People nowadays love to eat banana. In addition, mostly people loves to
eat banana chips while they are having free time. They are also will pack
banana chips in small packaging and gives as a door gift in wedding
reception. It is easy to pack and everyone and mostly every culture love to
eat banana in any situations.
6
1.4 LOCATION OF THE BUSINESS:
No 72, Kampung Panglima,
36400 Hutan Melintang,
Perak Darul Ridzuan.
We choose this location is because in Hutan Melintang, Perak, the
competition between others supplier of banana product is low compared to
other place. Other than that, we choose is because the type of the land
suitable for planting the banana.
1.5 DATE OF BUSINESS COMMENCEMENT:
15 November 2011.
This date is agreed by all the partnership members in this company
because we target at that time we already get all the legal approvals. The
date is also agreed because the date is not biased, which is not having
any of the members of the partnership.
7
1.6 FACTORS IN SELECTING THE PROPOSED BUSINESS:
Nowadays banana is being high demand on market. Pisang Berangan
is more on eat freshly whereby it cannot being fried but can be bake as a
cake which is popular used in hotels, restaurant, food stall, and etc. while
Pisang Tanduk is more on demands whereby it being used on producing
banana chips. It is also get high demand on local fruit stall to be fried.
Nowadays, there are a lot of people has realize the benefits and
profits in planting the banana. High demands on market, and awareness
to choose fruit as supplement food is the reason why people start to plant
this kind of plant. In rural area like in our place, the amount of banana
trees being planted is not as big as ours. From that, we found that they
cannot support the continuously in supply their banana. So, we take this
opportunity to be constant banana supplier to all our customers as well as
help the folks from unemployed problems.
8
1.7 FUTURE PROSPECT:
To be the main supplier and seller banana product in Malaysia.
We hope that we will be the main supplier in that area. We also
hope that our company will become the main supplier in and out of
Malaysia. As to fulfil the objective, our future prospect is to give
good services and take good care of our customer. Besides that,
we will also produce various types of flavours of banana chips.
To be well known and can export to other country.
Banana’s Enterprise is a company that ready to face all risk and
problem occur in the industry. With all this experience, we will
become a well known and well growth company is the future. If this
business can retrieve more income, we will export our product
abroad to make famous among the other country like at Singapore,
Indonesia, Thailand, Vietnam and others country.
9
PURPOSE OF BUSINESS
The purposes of preparing the business plan are to:
Obtaining working capital from Agro Bank
This business plan is prepared to be given to the Agro Bank so that
they can evaluate about the proposed business and to approve
loan. Total amount of loan that our company need is RM 55,924
Guideline for managing the business
This business plan is prepared by Banana’s Enterprise as a
guideline for managing and for all the partners to make sure that all
works run smoothly and accordingly to the proposed business.
Ensure the quality of product
Banana’s Enterprise business plan instead of to make sure that the
company will gain more profit and as a guideline to maintain the
quality of the work process.
10
11
COMPANY
BACKGROUN
D
12
2.0 COMPANY BACKGROUND
COMPANY DETAILS
Company Name : Banana’s Enterprise
Address : No 72, Kampung Panglima, 36400 Hutan
Melintang, Perak Darul Ridzuan.
Correspondence Address : bananasenterprise@yahoo.com
No Telephone : 05-5754428
Fax number : 05-5754429
Form of Business : Partnership
Main Activity : Planting Banana’s, Supplying Product of
Banana’s and Selling Banana Snack
Date of Commencement : 15 November 2011
Date of Register : 14 August 2011
Register Number : M0457129-D
Name of Bank : Agro Bank
13
PARTNERSHI
P
BACKGROUN
D
14
3.0 PARTNERSHIP BACKGROUND
This business is consisting of eight (8) persons who will contribute the same
amount of capital and will hold different task and responsibilities to manage this
business. One of the partnerships will get more shares than others because she had
contributed her land to be our plantation site. We have done a partnership
agreement that will bind the partners with all those aspects. In this section, we will
briefly explain about the background of partners and partnership agreement.
15
3.1 PARTNER BACKGROUND
Partnership Profile (1)
Name: Oly Nabila Abd Aziz
I/C Number: 840909-01-5830
Permanent Address: No 17, Jalan Pulai Perdana 6,
Taman Sri Pulai Perdana
Telephone Number (h/p): 017-7287204
Date of Birthday: 09 September 1984
Age: 27 years old
Marital Status: Married
Academic Qualification: Degree in Estate Management, UiTM (2003-2006)
Course Attended: 1) Seminar Gerak Usahawan Nasional
16
2) Seminar Penanaman Pisang anjuran Jabatan Pertanian
3) Seminar Kultur Tisu Pisang
Skills: 1) Common with Adobe Photoshop CS3, Macromedia Software, HTML
2) Fluent in Bahasa Malaysia, English and Mandarin
Working Experiences: 1) Clerk in Maybank (2010)
Partnership Profile (2)
Name: Hazlina Bte Husin
I/C Number: 830822-04-5564
Permanent Address: BT 19 3/4, Jalan Haji Limin,
Kampung Rim, 77000 Jasin, Melaka
Telephone Number (h/p): 017-2699881
Date of Birthday: 22 August 1983
Age: 28 years old
Marital Status: Married
Academic Qualification: Diploma in Estate Management, UiTM (2002-2005)
Course Attended: 1) Entrepreneurship Course
2) Entrepreneurship Convention
17
3) Seminar Kultur Tisu Pisang
Skills: 1) Fluent in Bahasa Malaysia, English and Mandarin
Working Experiences: 1) Staff in JPPH, Johor (2007-2010)
Partnership Profile (3)
Name: Shahidah Mohd Zaini
I/C Number: 860128-10-5964
Permanent Address: No 6, Jalan Muafakat 2, Taman
Dato’ Bandar
Telephone Number (h/p): 013-5947880
Date of Birthday: 28 January 1986
Age: 25 years old
Marital Status: Married
Academic Qualification: Diploma in Estate Management, UiTM (2005-2008)
Course Attended: 1) Seminar in Promotion Methods and Strategies
2) Seminar Marketing Strategies
18
3) Seminar in Target Market and Target Audiences
Skills: 1) Fluent in Bahasa Malaysia, English, Mandarin and France
2) Have a skill in Marketing Strategies
Working Experiences: 1) Temporary staff at PTDI, UiTM Perak (2008)
Partnership Profile (4)
Name: Anis Norazah Azhar
I/C Number: 870716-10-6306
Permanent Address: No 166, Kg Sg Pulai, 45200 Sabak
Bernam, Selangor
Telephone Number (h/p): 017-5150393
Date of Birthday: 16 July 1987
Age: 24 years old
Marital Status: Single
Academic Qualification: Diploma in Estate Management, UiTM (2006-2009)
Course Attended: 1) Entrepreneurship Course
19
2) Entrepreneurship Convention
3) Seminar Kultur Tisu Pisang
Skills: 1) Familiar with multimedia application (Photoshop 7.0, Macromedia Director
8.5), Programming (HTML, Visual Basic)
2) Fluent in Bahasa Malaysia and English
3) Have a good management skill
Working Experiences: 1) Clerk in CIMB Bank (2010)
Partnership Profile (5)
Name: Mohamad Hazri Bin Bidin
I/C Number: 841204-01-5659
Permanent Address: No 3, Jalan Nagaria 1, Batu Pahat,
Johor
Telephone Number (h/p): 013-7945678
Date of Birthday: 04 December 1984
Age: 27 years old
Marital Status: Married
Academic Qualification: Diploma in Estate Management, UiTM (2003-2006)
Course Attended: 1) Young Entrepreneurship Course
20
2) Multimedia Application and Uses Seminar
Skills: 1) Excellent in Communication and Interpersonal Skills
2) Fluent in Bahasa Malaysia, English and Mandarin
3) Skill in editing picture (Illustration)
Working Experiences: 1) Clerk in Maybank (2009-2010)
Partnership Profile (6)
Name: Nadira Kamaludin
I/C Number: 861207-01-6332
Permanent Address: No 7, Jln Tupai Terbang 3, Tmn Sri
Saga, 83000 Batu Pahat, Johor
Telephone Number (h/p): 013-7202731
Date of Birthday: 07 December 1986
Age: 25 years old
Marital Status: Single
Academic Qualification: Diploma in Estate Management, UiTM (2005-2008)
Course Attended: 1) Multimedia Application and Uses Seminar
21
2) Young Entrepreneurship Course
Skills: 1) Good in Communication and Interpersonal Skills
2) Fluent in Bahasa Malaysia, English and France
3) Skills in Editing picture (Illustration)
Working Experiences: 1) Clerk in Maybank (2009-2010)
Partnership Profile (7)
Name: Nurul Fatihah Bte Mat Nor
I/C Number: 861006-06-6054
Permanent Address: No 390, Jln Sri Semantan 25, Tmn
Sri Semantan 28000, Temerloh Pahang.
Telephone Number (h/p): 017-9379026
Date of Birthday: 06 October 1986
Age: 25 years old
Marital Status: Single
Academic Qualification: Diploma in Estate Management, UiTM (2005-2008)
Course Attended: 1) Seminar Gerak Usahawan Nasional
22
2) Seminar Penanaman Pisang anjuran Jabatan Pertanian
Skills: 1) Good in Management
2) Fluent in Bahasa Malaysia, English and Spain
3) Good in Computer Software
Working Experiences: 1) Clerk in Singer Sdn. Bhd. (2009-2010)
Partnership Profile (8)
Name: Nur Diyana Bte Zainal Abidin
I/C Number: 840326-23-5570
Permanent Address: 01-3, Blok 14, Tmn Cempaka, 81200
Tampoi, Johor Bahru
Telephone Number (h/p): 012-7183647
Date of Birthday: 26 March 1984
Age: 27 years old
Marital Status: Single
Academic Qualification: Diploma in Estate Management, UiTM (2003-2006)
Course Attended: 1) Marketing Strategies Convention
2) Seminar in Target Market and Target Audience
23
3) Seminar Gerak Usahawan National
Skills: 1) Good in Communication and Management
2) Fluent in Bahasa Malaysia, English and Mandarin
3) Good in Computer Skill
Working Experiences: 1) Temporary Staff at PTDI, UiTM Johor (2007)
2) Clerk in Affin Bank (2008-2010)
3.2 PARTNERSHIP AGREEMENT
This agreement will bind the partners with the following aspects:
1. Types of Business:
The business has been registered under the Register of Business
using the name of Banana’s Enterprise. This business is a trading company
that generally supplies the bananas. The types of banana that we produce are
‘Pisang Berangan’ and ‘Pisang Tanduk’.
2. Capital:
Each partner has contributed the capital as below:
Oly Nabila Binti Abd Aziz RM 10 000
Hazlina Binti Husin RM 10 000
Shahidah Binti Mohd Zaini RM 10 000
Anis Norazah Binti Azhar RM 10 000
24
Mohamad Hazri Bin Bidin RM 10 000
Nadirah Kamaludin RM 10 000
Nurul Fatihah Binti Mat Nor RM 10 000
Nur Diyana Binti Zainal Abidin RM 10 000
Total RM 80 000
3. Period of Partner Agreement:
From the consent of all partners, we agreed that:
We had to run at least five years (5) and partners are prohibited from
dissolving the business without the consent of other partner’s resolutions to
other partners.
4. Distribution of Profits and Loss:
Every partner has belonging this business and the amount of the profit from
this business as well. The partners will distribute profit according to capital
distribution. Any losses will be liable among partner equally according
Partnership Act 1961.
5. Perquisite:
Any additional pay is to follow current profit and will be present in the end of
annual financial report.
25
6. Partnership Property:
Owned by the partnership and partners because it is not separate legal entity
(Partnership Act 1961 S.22)
7. Death:
The reprehensive of the death partners can appoint to the business under the
Malaysian Law. The close member’s of the family upon the entire death
partner share can make the transmission of the state.
8. Bankruptcy or Dissolution of Partnership:
When the partner is found lunatic, permanently unsound mind [Partnership
Act 1961 S.37 (a)]
When a partner permanently incapable of performing his part of the
partnership contract [ Partnership Act 1961 S.37 (b)]
When a partner calculated to affect prejudicially the carrying on the
business [ Partnership Act 1961 S.37 (c)]
When the partner wilfully or persistently commits a breach of the
partnership agreement or otherwise [ Partnership Act 1961 S.37 (d)]
When the business of the partnership can only be carried on at a loss
[Partnership Act 1961 S.37 (d)]
Whenever in any case circumstances have arisen which in the opinion of
the court , render it just and equitable that the partnership be dissolve
[Partnership Act 1961 S.37 (f)]
9. Retirement:
26
If any partner who want to retire from the business must have consent from
others partners. They will get back their investment and the notice of
retirement must be given 3 months before the retirement date.
10.Others:
Each of the partners must act in good faith and respect other partners.
Partners must have willingness and interested to make the business more
successful and giving full commitment for the business. They also must be
honest and straight forward in order to execute responsible as a partner.
_____________________________ _____________________________
OLY NABILA BT ABD AZIZ HAZLINA BINTI HUSIN
840909-01-5830 830822-04-5564
GENERAL MANAGER ADMINISTRATION EXECUTIVE
_____________________________ _____________________________
27
SHAHIDAH BINTI MOHD ZAINI ANIS NORAZAH BINTI AZHAR
860128-10-5864 870716-10-6306
MARKETING EXECUTIVE ASSISTANT MARKETING EXECUTIVE
_____________________________ _____________________________
MOHAMAD HAZRI BIN BIDIN NADIRA KAMALUDIN
841204-01-5659 861207-01-6332
OPERATIONAL EXECUTIVE ASSISTANT OPERATIONAL EXCUTIVE
_____________________________ _____________________________
28
NURUL FATIHAH BTE MAT NOR NUR DIYANA BINTI ZAINAL ABIDIN
861006-06-6054 840326-23-5570
FINANCIAL EXECUTIVE ASISTANT FINANCIAL EXCUTIVE
29
ADMINISTRATI
ON
30
4.0 ADMINISTRATION
INTRODUCTION
Banana’s Enterprise is a company that is generally known as news Malays banana
supplier. We are producing ‘Pisang berangan’ and ‘Pisang tanduk’ and also selling a
banana chips.
4.1 LOCATION OF THE BUSINESS
This is our address and map for our location:
No 72, Kampung Panglima, 36400 Hutan Melintang, Perak Darul Ridzuan.
31
Figure 1
4.2 LOCATION PLAN
Plan for our farm location in Kampung Panglima,
32
Figure 2
4.3 LAYOUT PLAN
Features
-1 no 3’x7’ play wood door with lockset
-2 no 5’x3’ air-conditioner window with security bar
-2 no 13 Amp power point
-2 no 15 Amp Air-condition point
-2no 40W fluorescent lighting
33
Fully steel structure RM 6000 + RM 1400 (renovation for partition) +
toilet RM 2000= RM 9000.00
4.4 ADMINISTRATION PLAN
34
4.5 VISION
To give full commitment to be the productive Malay supplier as well as we
produces the high level of quality and able to market our product in the
international marketplace.
4.6 MISSION
To struggle in producing the high level quality of Banana that is being certified
scientifically contains good nutrient and suitable to prepared and can be eaten
by all level of ages.
4.7 OBJECTIVE
• To compete in business dynamic and progressive that can attract all
levels of customer.
35
• To achieve maximum sales in 4 main product within the first year of
operation along with established company.
4.8 COMPANY LOGO
This logo presents:
Colour:
36
i. Yellow: Represent the cheer colour that present we are using nature
friendly plantation, customer friendly and workers friendly and
friendly with each other regardless races, religion, and who they
are.
ii. Black: Represent that we are practicing the open mind thinking, do not
thinking by one perspective but also look at the other perspective
in dealing with customers and practicing the plantation style as
Malaysia standard plantation.
Image:
i. Words: The name of our company
ii. Banana: Represent that we only supply the healthy, good, high quality of
bananas, safe banana to be used and ate.
4.9 ORGANIZATION CHART
Structure Based on Functions
Structure based on functions is a line organizational structure based on
functions is suitable for business organizations that emphasize functional
specialties to perform tasks. Activities may be divided into marketing,
production, administration and finance.
37
4.10 MAINPOWER PLANING
38
General Manager
(Oly Nabila Binti Abd Aziz)
Administration Executive
(Hazlina Binti Husin)
Marketing Executive
(Shahidah Binti Mohd Zaini)
Operation Executive
(Mohamad Hazri Bin Bidin)
Financial Executive
(Nurul Fatihah Binti Mat Nor)
Assistant Marketing Executive
(Anis Norazah Binti Azhar)
Assistant Operation Executive
(Nadirah Kamaludin)
Assistant Financial Executive
(Nur Diyana Binti Zainal Abidin)
4.11 SCHEDULE OF TASK AND RESPONSIBILITIES
39
Position No. of personnel
General Manager
Administration Executive
Financial Executive
Assistant Financial Executive
1
1
1
1
POSITION TASK AND RESPONSIBILITIES
GENERAL
MANAGER
Responsible in managing the company towards the
vision, mission and the objective of the company.
To ensure office equipment is available and in good
condition.
To identify and plan business objective, highlight
the regulations and business procedures in oder to
achieve the objective.
Act as a decision maker and cooperate in ganing
ideas to improve the business.
Monitor the activities to make sure that all are being
accomplished as plan.
Always alert to organization and business
operation..
ADMINISTRATION
EXECUTIVE
Responsible in administration activities and arrange
all the personnel administration plan.
To make sure the systematically of the
management system.
Controlling and handling the staff salary.
To make sure the staff welfare always being
concern.
To deliberate the task and job description of the
staff.
Continuously form table...
40
FINANCIAL
EXECUTIVE
Responsible of the cash flow and budgeting plan of the
business
Analyzing, controlling, and record the money cash flow of
the business
Preparing annual account and advisor in financial aspects
Preparing salary slips, business receipt, and paid salary
Using efficient and effective ways to increase sales and
profit to make sure good development of business
ASSISTANT
FINANCIAL
EXECUTIVE
Answer and monitor telephone calls and direct messages
and calls to suitable person.
Create, review and screen correspondence and provides
information in accordance with coustomer’s direction to all
levels of the organization.
To short receipts and build information in Excel format.
4.12 SCHEDULE OF REMUNERATION
41
Position No.
Monthly
Salary
( RM )
( A )
EPF
13%
( RM )
( B )
SOCSO
2%
( RM )
( C )
Total
Amount
( RM )
(A)+(B)+(C)
General Manager 1 1,800 216 36 2,052
Administration
Executive
1 1,500 180 30 1,710
Financial Executive 1 1,500 180 30 1,710
Assistant Financial
Executive
1 1,000 120 20 1,140
Total 4 5,800 696 116 6,612
4.13 LIST OF OFFICE EQUIPMENT
ITEM QUANTITY PRICE/UNIT (RM) TOTAL COST (RM)
OFFICE FURNITURE
42
1. Desktop
Computer
2. Office Table and
Chair
3. Telephone & Fax
3
10
2
1,500
500
500
4,500
5,000
1,000
TOTAL 10,500
LIST OF STATIONERY EQUIPMENT
ITEM QUANTITY PRICE/UNIT (RM) TOTAL COST (RM)
Pen 30 1 30
Pencil 20 0.50 10
Eraser 10 0.20 2
Liquid Paper 15 3 45
Stapler (including bullet) 5 5 25
Clip Paper 5 3 15
Calculator 5 20 100
Puncher 5 4 20
Ruler 10 0.50 5
A4 Holder 10 10 100
Receipt Books 10 4 40
Folder 50 6 300
Thumb Tack 5 1 5
Glue 5 0.80 8
TOTAL 296
4.14 ADMINISTRATION BUDGET
43
ITEM FIXED ASSET
EXPENSES
(RM)
MONTHLY
EXPENSES
(RM)
OTHER
EXPENSES
(RM)
Fixed Assets.
1. Office Equipment 10,500
Monthly Expenses
1. Salary + EPF +
SOCSO
6,612
Other Expenses
1. Business
Registration and
License
2. Stationery
3. Insurance and
Road Tax
4. Other Expenditure
120
296
1,500
1,588
TOTAL 10,500 6,612 3,504
44
MARKETIN
G
45
5.0 MARKETING PLAN
INTRODUCTION
Marketing plan is the main role that all company must focus because if the
company did not have a proper plan in their marketing, how the company wants to
survive in terms of selling their products. Marketing plan means process of
introducing and sells the company products to the customer. The marketing plan
consists of identify target market, market size, competitors, market share, forecast,
marketing strategy and marketing budget. Each type of business has different types
of marketing plan to market their products to the customer. In Banana’s Enterprise,
we use two expertise executive to manage the marketing plan and thus, market our
products. They must make the proper plan before starting to market our product to
the customer. If the marketing plan not managed systematically the company cannot
run their business smoothly. The marketing executive must do the survey
surrounding the business area to make them familiar with business field. For
marketing our products, we use several ways to promote our products to customer. It
is a little bit tough because to market banana is quite difficult than marketing any
other products. For first international marketing trial, we market our product to the
Singapore because we want to acknowledge people about banana and the variety
usage of banana. As for our future planning, we also want to try to market our
product to all over the country.
46
5.1 PRODUCT DESCRIPTION
Banana’s Enterprise is the company that supplies local fruit to the client.
Banana’s Enterprise supply banana fruit which is “berangan” and “tanduk”.
These two types of banana have a lot of potential in the market to make
snack or customer can eat it just like that. Our company also can supplies
banana to the clients every day, every week and every month. Banana is one
of the fruit that contain nutritious such as vitamin B-carotene (A), Thiamine
(B1), Niacin, Riboflavin (B2), Pyridoxine (B6), Vitamin C and nowadays
Malaysian likes to eat banana to care of their health.
Besides that, we supply products from banana tree such as banana
leaf, banana flower and also banana trunk. Our company is basically sell
products from banana tree to wholesaler. They supposed to take the product
at our farm or our company will do delivery for their order which is charges is
applied.
As for the banana chips, we will do the packaging at our small factory
at the farm. We will process until it become banana chips. Start from plucking
banana until the process of frying the banana to make chips.
We also hope that our company, Banana’s Enterprise would be the
number one suppliers of banana in Malaysia. We also produce banana chips
47
also known as ‘kerepek pisang’. All the products produced by our company
are certified with ‘halal’ by Jakim.
5.2 TARGET MARKET
Target market can defined as the group of customers with needs
and wants that can be satisfied by the business through the supply of good
services. Target market is one of the important things that our company
focuses. Banana’s Enterprise had already known their potential buyer
which is retailers, cakes entrepreneur, and wholesaler. Based on our
survey, we identified they will sell our commodities as it is a basic product.
Our focus customer is the wholesaler in urban area because urban people
more health conscious in their daily lives. Furthermore, wholesaler nature
in purchasing by bulky way give us more reliable business sells.
Berangan:
Buyers Market target
Wholesalers 80%
Retailers 20%
Tanduk:
48
Buyers Market target
Wholesalers 30%
Retailers 10%
Banana Leaf:
Buyers Market target
Retailers 100%
Banana Flower:
Buyers Market target
Wholesalers 40%
Retailers 60%
Banana chips:
Buyers Market target
Wholesalers 70%
Retailers 30%
49
5.3 MARKET SIZE
Market size is the total potential purchase that is expected from the
target market. The potential purchase includes purchase of the
competitor’s product within the same market. Estimation of the target
market is done by gathering information regarding the particular market
the business intends to enter. The estimation of our target market size is
that for every month after the first ten month wholesalers will come to our
farm. The wholesalers will come to our farm and take our product line. We
will sell our banana primarily to wholesalers such as Mydin, Tesco,
Carrefour, and the hawker. These six wholesalers is our customer. We will
entice them and sells our product to them because we believe that they
have great market size and our product is suitable to be market at them.
Number of people all nearby the places is around 10,000 peoples includes
children until old folks.
50
5.4 COMPETITION
At our location Banana’s Enterprise find we have two competitors in
made banana as their business. Banana’s Enterprise looks the two
competitors as the big competitors in be a supplier to banana. When we
have competitors we can improve our company to be a good company in
supplying banana and Banana’s Enterprise looks the competitors as the
healthy competitors.
Name of competitors:
i. Pisang Enterprise,
No.75 Kampung Melukut,
36400 Hutan Melintang,
Perak Darul Ridzuan.
ii. Multi Nature Sdn. Bhd,
No.84 Kampung Senggarang,
36400 Hutan Melintang,
Perak Darul Ridzuan.
51
STRENGTH AND WEAKNESS
List of Competitors Strength Weakness
Pisang Enterprise -Well-established 10
years in the industry
- Good quality of
bananas
- no delivery services
Multi Nature Sdn. Bhd -6 years in the industry
- plant of variety of fruit
- not focus on
bananas
52
5.5 MARKET SHARE
1) Market Share before Banana’s enterprise exist:
Berangan:
Competitors Market Share (%) Total (RM)
Pisang Enterprise 60 416,400
Multi Nature Sdn. Bhd. 40 277,600
Total 100 694,000
53
2) Market share after Banana’s Enterprise exist:
Competitors Market Share (%) Total (RM)
Pisang Enterprise 55 381,700
Multi Nature Sdn. Bhd. 35 242,900
Banana’s Enterprise 10 69,400
Total 100 694,000
54
5.6 SALES FORECAST
Sales forecast Banana’s Enterprise.
Year Month Sales Forecast (RM)
Remarks
1 January 27,000 Sale for the first month did not really good because this is the first month opening
company
February 47,000
March 52,000
April 55,000
May 56,000 School holiday- where many people will
55
buy banana chips for wedding reception other event.
June 56,000
July 60,000
August 60,000
September 80,000 Eid Fitri.
October 66,000
November 55,000
December 80,000 Wedding reception.
TOTAL 694,000
2 RM 694,000 + 5%
728,700 For the second year our sales increase because our target market area is widened and many people buy our
product
3 RM 728,700 + 10%
801,570 For the third year .our company are located at a comfortable area and any
customer trusts our product.
5.7 MARKETING STRATEGY
Marketing strategy is one of the important elements to market the
organization product. The organization must use many strategies to promote
the product to the customer. To Banana’s enterprise the marketing strategy is
our strength to produce our product to the customer to make them always
remembers and to make them really familiar to our banana and can become
the trend mark to other banana business. The marketing strategies that we
use in term to our banana to market level are:
1. PRODUCT
56
a) Brand
- Brand is name, term, sign, and symbol that identifies a product and
differentiates it from other product. This factor makes a product have it
own identities and encourages customer loyalties.
- We produce the healthy free from disease, contains less chemical
fusion, clean and fresh banana. Because we will do research and
development for our product.
- Quality of product plays a main role in producing the banana. The first
thing that always we think before produce our banana is quality from
the quality we can know our customer will satisfied to our product or
not if they satisfied to the quality of our banana they will buy again from
us and we can get the regular customer to our company.
- To produce good quality banana to our customers we use the good
quality of organic fertilizer and we get the reasonable price for the
fertilizer from the fertilizer supplier.
b) Design
The design of the product is important as it will attract the customer
interest. Usually, the packaging must be in bright colours and easily
understand.
c) Labelling
57
All the ingredients used are certified Halal and do not effect to one’s body
except for the person who has allergic.
58
Example of plastic bag.
2. PLACE
- It is easier for the customer to identify our office as it located nearby the
main road. In addition, our customers are mostly from nearby the
place. As for the wholesaler it is easier. Usually, they will take our
product from our office, as our location is nearby with them.
-We want our company name will be familiar to all our customers and
this name also is easier to read and remember.
3. PRICING
59
a) Cost-based pricing
Cost-based pricing is the simplest and most commonly used as pricing
strategy. It is based on the total cost of the product or service plus a
standard mark up. The mark up is the profit margin that is desired from
the sale of product. The cost for our product includes the process cost
of collecting the banana. We give the reasonable price to our product in
the first selling. In order to attract more people to be our customers we
must not give the high price and customers will satisfy.
We plant two types of banana which we must sells that by two different
prices to the customers and the price is count from the kilograms. For
the pisang berangan we sell 1 kilogram is about RM 1.80 to RM 2.00
and for the pisang tanduk we sell 1 kilogram is about RM 2.50 to RM
2.80.
As for the banana chips, the cost incurred to produce 1kg of banana
snack is RM 8.00 includes the cost of manpower and cost of raw
materials.
PROMOTION STRATEGIES
Promotion strategy is used to publicize information about the company
product. It is important in order to promote and attract the customer.
Promotion strategy that been used is:
a) Printed Media
There are many types of printed media. As for our company, we used
signboards, bunting and distributions of business cards to the target
market.
60
Bunting and Business Card for Costumers
Business Card for Partnership
61
62
Signboard of Our Company
b) Internet
Internet also is being used. The target market can simply make an order
through the internet. They can simply send e-mail to our company’s e-mail.
c) Delivery Services
We provides lorry for delivery services. The customer can stated in the
order form whether they will take the product at our office or we have to
send the product to their place. Usually, if any delivery is done, service
charge will be executed to the customer.
63
5.8 LIST OF MARKETING PERSONNEL
64
POSITION NUMBER OF PERSONNEL
Marketing Executive 1
Assistant Marketing Executive 1
5.9 SCHEDULE OF TASK AND RESPONSIBILITY
POSITION TASK & RESPONSIBILITIES
Marketing
executive
Establish effective and strong network of channel-of-
sales in both local and international market.
Promote and raise the brand awareness or popularity of
product.
Implement effective strategies to acquire biggest market
share in the categories that products are competing,
with the ultimate goal of establishing product in the
leading position.
Set up periodic sales quotas and performance mile
stones for various sales and marketing activities to drive
the company’s revenue and growth up.
Identify new business opportunities and threats to the
company.
Assistant
Marketing
Executive
Research new markets.
Create swots.
Determine new market channels.
Contact follow-ups on sales prospects.
Coordinate with marketing groups to facilitate functions.
Provide status reports to management.
Experience in Microsoft Office, Excel and Power Point.
Perform general clerical duties.
Maintain electronic filing system.
Setup and coordinate meetings.
Support staff in assigned projects.
65
5.10 SCHEDULE OF REMUNERATION
POSITON NO MONTHLY
SALARY
EPF
(12%)
SOCSO
(2%)
AMOUNT
Marketing
executive
1 RM 1,500 RM 180 RM 30 RM 1,710
Assistant
Marketing
Executive
1 RM 1,000 RM 120 RM 20 RM 1,140
TOTAL 2 RM 2,500 RM 300 RM 50 RM 2,850
5.11 Marketing Budget
66
ITEM FIXED
ASSETS
EXPENSES
(RM)
MONTHLY
EXPENSES
(RM)
OTHER
EXPENSES
(RM)
Fixed Assets.
1. Signboard 200
Monthly Expenses
1. Salaries + EPF
+ SOCSO
2,850
Other Expenses
1. Bunting
2. Business Card
80
80
TOTAL 200 2,850 160
Total amount budget for marketing planning = RM 3,210
67
OPERATIO
N
68
6.0 OPERATION PLAN
INTRODUCTION
Operation is the vital element in a way to run the business. This kind of
element is related to marketing, administrative, as well as financial plans and
activities. Without the proper operation plan, an entrepreneur cannot run their
business smoothly. It is because, the operation activities is about on how the
entrepreneur will run their business. In our proposal, the operation activities begin
from gaining the site of farm to plant the bananas, get the young banana trees,
taking care of the banana from young until can produce the good fruits, and the
process of selling the banana and other banana products to our customer.
Without the operation plans, the entrepreneur will gain nothing and know nothing
about what they try to deal with. That is why, the operation plan needs the proper
plan to implement and need knowledge on how to deal with related business. For
Banana’s Enterprise, what we do is, we had planned the operation activities before
we gain the farm to implement our business.
We have to count on how we can get the site or farm, where is the suitable
location, what types of soil that suitable to plant bananas, what sort of bananas need
to be planted, what is the fertilizer to be used and how, and so on. In this part, all of
the explanation regarding on banana plantation and the quotation of overall
expenses in operation activities will be briefly explained.
69
6.1 PROCESS FLOW CHART
70
Preparation the land and
Infrastructure (Cleanliness the land)
Cutting the banana fronds
Banana seeds preparation. (Purchase the banana tissue culture)
Preparation of site
Plant the banana tissue culture
Water management
Process of fertilization
Cutting the sucker of the banana
Continue from chart...
71
Tree supporter
Packaging the clusters of banana
Disease and pest management
Slice the banana
Peel of the banana skin
Check fruit quality
Keep in the store to keep
Banana fruit till ripe
Transport to store
Sell to wholesalers
Post-harvest handling
Check fruit quality
Continue from chart...
72
Fried the banana
Sieve the banana after fried (remove oil)
Adding the flavour to banana chips
Packaging the banana chips
Sell to wholesalers
End
FLOW CHART OF PROCESS TO PRODUCTION
73
Preparation of site
Preparation the land and infrastructure (Cleanliness the land)
Banana seeds preparation. (Purchase the banana tissue)
Plant the banana tissue culture
Process of fertilization
Water management
Cutting the sucker of the banana
Cutting the banana fronds
Continue from chart...
74
Packaging the clusters of banana
Disease and pest management
Check fruit quality
Post-harvest handling
Transport to store
Keep in the store to keep banana fruit till ripe
Check fruit quality
Continue from chart...
75
End
Sell to wholesalers
Packaging the banana chips
Adding the flavor to banana chips
Sieve the banana after fried (remove oil)
Fried the banana
Slice the banana
Peel of the banana skinSell to wholesalers
6.2 CAPACITY PLANNING
PREPARATION OF THE FARM
The land is about 10 acres. In Hutan Melintang, our farm is located in
Kampung Panglima, 36400 Hutan Melintang, Perak Darul Ridzuan. The plan
for the whole farm is also provided.
We choose Kampung Panglima as our farm because it is near to the bananas
Tissue Kultur supplier, fertilizer, insecticides, and other material and
equipment needed, the customers and clients are easy to get the bananas
from us because the place of our farm is suitable for plant and it easy to
locate.
76
6.3 BUSINESS AND OPERATION HOUR
Banana’s Enterprise will open every day, but the time is varying for weekdays and
weekends. The business is open from 8.30 am until 10.00 pm from Monday to Friday. For
Saturday and Sunday, our business starts at 9.00 am until 11.00 pm. Public holidays are
holidays for worker including their off days per week. We provide 2 hours rest. The rest
hour is not straight for 2 hours. We give first 1 hour rest at 10.00 am, while the second
hour is at 1.00 pm. On Friday, the male worker is given another 1 hour and a half break at
12.45 pm until 2.15 pm so they can perform Jumaat prayer. For Saturday and Sunday, no
worker will takes off due to many customer except the farm workers as the operations is
depend on the storage of banana. Our farm is opened for people to visit or customer who
wants to buy our products is at 9.00 am until 7.00 pm for weekdays. Every weekend our
company will opened starting from 9.00 am until 9.00 pm. The business hours is longer
for the weekdays because we expect to have more customer on weekend,
Day Position Hour
Monday-Friday Farm worker
Manufacturer
7.30am - 4.00pm
8.30 am - 10.00pm
Customer
Wholesaler
9.00 am- 7.00 pm
Saturday & Sunday Farm worker
Manufacturer
Off
9.00am- 11.00pm
Customer
Wholesaler
9.00 am – 9.00 pm
77
6.4 OPERATION LAYOUT
STORAGE PLAN
78
OFFICEOFFICE
STORAGESTORAGE
MANUFACTURER AREAMANUFACTURER AREA
BANANA PLANTATIONBANANA PLANTATION
EQUIPMENT STORAGE
FERTILISATION STORE
BANANA STORAGE
6.5 LAYOUT PLAN FOR PLANTATION AREA
Regarding on the maps above, we can see that we have divided our farm into
four divisions which we will plant ‘Pisang Berangan’ and ‘Pisang Tanduk’
79
Guidelines:
Pool/tank for water system
Access road
Number of block
Ditch
Banana plant
Pisang TandukPisang Tanduk
Pisang TandukPisang Tanduk
Pisang Beranganan
Pisang Beranganan
Pisang Beranganan
Pisang Beranganan
1
2
3
4
separately. It means that we will harvest our product twice a year. This
diagram below shows our harvesting process.
6.6 PERIOD OF BEGINNING THE BANANAS CROP AND HARVESTING
Plantation 2011
Block Start (month) plant End (month) harvest
1 January December (1)
2 March February (2)
3 May April (3)
4 July June (4)
1 December November (5)
Plantation 2012
Block Start (month) plant End (month) harvest
2 February January (6)
3 April March (7)
4 June May (8)
1 November October (9)
80
Plantation 2013
Block Start (month) plant End (month) harvest
2 January December (10)
3 March February (11)
4 May April (12)
1 October September (13)
2 December November (14)
81
6.7 PLANTATION OF THE BANANAS
In this project, we plant banana for 7 acres in our farm. We get that Tissue
Culture from the supplier near to our places. The reason why we choose
bananas Tissues Culture is because it can stand more from diseases, insects
and rodents, available and easy to obtain. The price also reasonable to
purchased.
This picture below is the example of the bananas Tissue Culture.
After the farm had been ploughed, and
cleaned, we have to wait until the off spring
grass and weeds grow at the cleaned soil
surface in our farm. It is important to get
back natural nutrient from the soil and to
have the balancing of nature surrounding.
In about a week after that, our workers will
start to dig a hole about 1 and half feet depth and width for each hole for each
banana plant.
The picture below shows how we will plant the banana in our farm.
82
Plan for each block of banana
2.5 acres (1 hectare) = 1500 trees
1 block = 1.75 acres
1.75 acres = 1,050 trees
83
3.75 acres 3.75 acres
Pisang BeranganPisang Tanduk
1,050 trees
1.75 acres
After we buy the banana plant, we dig holes for the plant, we will spread the
insecticide to all over the farm to avoid insects and rodents harm the banana
plants.
Then, we will put the CIRP (Christmas Island Rock Phosphate) fertilizer for
around 20-30 gram/hole, as it can help the roots of the plant to well growth.
Then, we will leave it for about two till three days before we can put the
banana tissue Culture in the hole. After a week later, we will again give the
fertilizer as well as give water to every plant. The total amount of every
fertilizer will be different after six to seven months. The amount will increase
depends on the needed of bananas tree.
We used five types of fertilizer that are CIRP(Christmas Island Rock
Phosphate) fertilizer, Compound fertilizer for trees growth, Compound fertilizer
for encouraging banana to produce high quality of fruits, organic fertilizer, and
supplement fertilizer. A month after the crop, the fertilizer should be given for
every single plant of banana. The frequently the fertilizer is given, the more
banana will get. But not too much in giving the plant the fertilizer because it
will waste money and energy.
After the tree producing its fruits, we will stop the fertilizer sources to them to
encourage the fruits grow naturally and produce high quality of fruits. We will
only give the insecticide at this stage.
84
Types of fertilizer: Time appropriate (month)
(Pisang Berangan)
Time appropriate (month)
(Pisang Tanduk)
1- CIRP (Christmas
Island Rock
Phosphate)
fertilizer
1-8 1-8
2- Compound
fertilizer for trees
growth1-8 1-8
3- Compound
fertilizer for
encouraging
banana to produce
high quality of
fruits
1-8 1-8
4- Organic fertilizer 1-8 1-8
5- Supplement
fertilizer
1-8 1-8
Table above shows the appropriate time to give banana plant the fertilizer.
85
WATER SYSTEM
Water system is also the important element in producing the best quality of
banana fruits. In our farm, we have two pools and surrounding the farm we
have made the ditch .It is to support and supply water to all the banana trees.
Banana trees need until 8-12 litres of water every day. When the weather is
too dry, they need much more water compare to usual weather.
In our farm, we will use two water spray machine which need human being to
control and monitor the machine. The water spray machine will help to
reduce time and energy as well as cost in supplying the water.
Example of pool design
Example of water spray machine
86
This picture below shows the growth of the banana trees from the start till it
can produce fruits:
After one month planted in farm After three months planted in farm
After four month planted in farm
After nine month before harvested
CUTTING THE SUCKER OF THE BANANA
87
After about eight to nine month it produces banana flower.
After ten to eleven month waiting for its maturity.
Cutting the sucker is for the purpose to distance the harvest in one group to
make sure the revenue and quality of the fruit is not disturbed effect by the
competition in food. The earlier step to cutting is choosing the one main tree
with one sucker in fourth month the age of banana tree after the plantation.
Cutting another sucker of the banana and after nine month, permanent or stay
the one sucker of the banana.
CUTTING OF THE BANANA FRONDS
The old banana fronds and have a disease must be cut or remove by use a
sharp knife in the early process of plantation. The palm fronds must be collect
in one place between the rows of banana tree.
TREE SUPPORTER
The tree become tilted or slanting when the banana fruit begin grows up. By
that, the tree need to a crutch by stick or wood for supported the tree from fall
and fractured because of cannot to accommodate the heavy of the banana
fruit.
PACKAGING THE CLUSTERS OF BANANA
88
First step to control the quality of banana fruit is by wrap the cluster of banana.
Packaging can avoid insect bites in fruit, friction with leaf or wooden support.
Packaging also can avoid fruit from scratch during harvest, collecting and
transporters from farm to store. The cluster of banana is packaging by blue or
white polietilena plastic or brown paper. The plastic is to last than brown paper
and can use repeatedly.
The size of plastic is 75cm x 120cm or the appropriate size for the banana fruit.
Packaging can perform during the last level of formation the cluster of banana.
Before the process of packaging, the banana flower must be cutting.
FRUIT MATURITY
89
Banana fruit reach a maturity level when enlargement of fruit comes to an
end. Banana that achieves a maturity level is ripe proper. To determine the
maturity of the fruit is depends on size and shape, radius of the banana,
colour of the skin, and age the fruit after secretion of the heart. The banana
fruit that that achieves a maturity level have a radius which almost round and
thick. Mature fruit is has a green brightness colour.
Period time of growing level of banana
Age of The Banana Tree After Plantation
Secretion of The
Banana flower
The Last Bunch of
Banana Formation
Level of Maturity
Berangan 8 9 10
Tanduk 6 8 10
REVENUE COLLECTING
90
Types of Banana Date of harvest
(Week after secretion of the
banana flower)
Berangan 11-14
Tanduk 20
Banana harvesting carried out carefully so that the physical damage does not
happen to maintain fruit quality and avoid losses. Banana harvesting can be
done at hours either at the morning or evening to avoid of sun warm
temperatures because this temperature would disturb fruit ripening. Banana
stem felling should be done efficiently so that clusters of banana not fall to
land after limbered down by half stem pruning. Clusters of banana after bunch
stalk are deducted from stem, need to be looked after to make sure that it will
not fall crushed to land to avoid fruit injury. Banana bunches should be placed
in place covered with soft thing such as banana leaf or sponge to prevent
friction or fruit movement so that no injuries in banana skin.
POST-HARVEST HANDLING
Clusters of banana must be sent to storage space or warehouse carefully.
The transportation of banana fruit from farm to warehouse easy to carried out
by using wheelbarrow and railway truck or coach.
TO KEEP FRUIT TILL RIPE
This is process to keep fruit till ripe that suitable for eat freshly. The process is
doing by using calcium carbide in 3-10 gram for each kilogram banana and
take at the corner or angle in the room. Estimate time is around 24 hours.
ANOTHER REVENUE COLLECTING
91
The banana flower and the leaf of banana also can sell to the wholesaler or
sell at the market.
PEEL OF THE BANANA SKIN
The banana skin is peeled by the labour manually after the quality of the
banana is being checked.
SLICE THE BANANA
92
Using slicing machine, the banana will automatically been slice into pieces.
FRIED THE BANANA
The banana then, will be put into shallow pan as to fried it for only a few
minutes untill the colour is turn into gold yellow.
SIEVE THE BANANA AFTER FRIED (REMOVE OIL)
After finished fried the banana, the banana will then be sieve. This is to
ensure that the banana oil is removed. This is also to ensure that the banana
is dry.
ADDING THE FLAVOUR TO BANANA CHIPS
When it is already cold, the banana chips is added with a flavour such as salt
depend on the taste that are prefer by the customer. This is also to get the
better taste of the chips.
PACKAGING THE BANANA CHIPS
93
The chips then finally will be packaged according to the customer preference.
6.8 SCHEDULE OF RAW MATERIAL
Types of item Quantity Price / unit Total price
94
Organic fertilizer 40kg x 7 bags RM 20 RM 140
Compound fertilizer
for trees growth50kg x 6 bags RM 40 RM 240
Compound fertilizer
for encouraging
banana to produce
high quality of fruits
50kg x 6 bags RM 45 RM 270
Supplement fertilizer 1 kg x 200 bag RM 10 RM 2,000
CIRP (Christmas
Island Rock
Phosphate) fertilizer 50 kg x6 bag RM 45 RM 270
Banana Tissue
Culture
2,700 bag RM 1.80 RM 4,860
Insecticide 7 acre RM 30/1 acre RM 210
Polythene plastic 2,300 RM 0.30 RM 690
Plough 1/day RM 350 RM 10,500
Salt 5 kg /day RM 1.20 RM 180
Oil 7 litre/day RM 2.00 RM 420
TOTAL RM 19,780
6.9 SHEDULE OF MACHINE & EQUIPMENT
95
Material Quantity Safety
stock
Total material
requirement
Price/unit
(RM)
Total price
(RM)
Water Spray
Machine
8 - 8 RM 700 RM 5,600
Tube or channel 8 - 8 RM 60 RM 480
Wheelbarrow 8 1 9 RM 50 RM 450
Bamboo basket 150 - 150 RM10 RM 1,500
Railway
truck/coach
2 - 2 RM 700 RM 1,400
Sack 2,000 - 2,000 RM 0.30 RM 600
Lorry 1 - 1 RM25,000 RM 25,000
Hoe 8 1 9 RM 10 RM 90
Cleaver/
chopper
4 3 7 RM20 RM 140
Tool for
packaging
banana cluster
10 - 10 RM 8 RM 80
Knife 4 3 7 RM 7 RM 49
Scale 6 2 8 RM 120 RM 960
Continue from table...
96
Slicing Machine 2 - 2 RM 1,700 RM 3,400
Shallow-pan 2 1 3 RM 70 RM 210
Metal spoon 2 2 4 RM 7 RM 28
Stove 2 1 3 RM 20 RM 60
Filter 4 1 5 RM 5 RM 25
Basin 10 - 10 RM 6 RM 60
Laminate Machine 2 - 2 RM 450 RM 900
Weight Machine 3 - 3 RM 350 RM 1,050
Plastic bag 5,000 - 5,000 RM 0.20 RM 1,000
Gas 2 2 4 RM 25 RM 100
Rubber 2,000 - 2,000 RM 0.10 RM 200
Box 1,000 500 1,500 RM 0.30 RM 450
Rack 8 - 8 RM 80 RM 160
Cupboard 2 - 2 RM 170 RM 340
Plastic chair 20 10 30 RM 7 RM 210
Table 3 - 3 RM 60 RM 180
TOTAL RM 44,722
6.10 MANPOWER PLANNING
97
Manpower planning is to determine the planned rate of production per day
for the particular section of job. It is important to determine the total
amount of salary that needs to be given to the workers. In our company,
we just hired two workers to manage the 10 acres farm. The total of
workers will be added from time to time.
It is also important in determining the standard time for a worker to
produce one unit of product or to complete a particular job. In our
company, for sure they will take good care to the banana trees to ensure
that our company can achieve our goal and to recover our established cost
to run this business, as well as to get more profit from time to time.
For working hour, it can help in order to manage and determine the
workers productive hours. It is to ensure, that the workers done their job
effectively. For example working hours per day –rest time or workers idling
time. Lastly, we will calculate the amount of direct labour required
6.11 MANPOWER REQUIPMENT
98
No. Position No. Of
staff
required
Salary/
Month
(RM)
EPF
(RM)
12%
Socso
(RM)
2%
Total
(RM)
1 Operation
Executive
1 1,500 180 30 1,710
2 Assistant
Operation
executive
1 1,000 120 20 1,140
4 Farm worker 8 6,400 798 128 7,326
5 Manufacture
r
5 3,000 360 60 3,420
TOTAL RM13,596
6.12 OPERATION BUDGET
99
Item Fixed Asset Monthly Expenses
Raw Materials RM 19,780
Machine and
Equipment
RM 44,722
Wages + EPF + SOCSO RM 13,596
Total RM 44,722 RM 33,376
Operational Budget: RM 44 722+ RM 33,376 = RM 78,098
100
FINANCIAL
101
7.0 FINANCIAL PLAN
INTRODUCTION
The financial plan is the crucial step in preparing this proposal. It is involves
determining the total project cost, choice of sources, of financing and preparation of
financial projection in term of pro forma statement which includes cash flow, income
statement and balance sheet. In addition, this financial plan will be supported by
depreciation schedules for every fixed asset, owed as well as schedules for loan and
repayment. This financial budget is prepared after all budget related to marketing,
operations and administrative aspect are complete. This proposal is implementing, to
get the loan from the bank.
102
7.1 SOURCES OF FINANCIAL
This Banana’s Enterprise is the partnership company. Each
partnership will be investing RM 10,000 per person. As mention above,
the total of our own contribution is RM 80,000. This income will be
prepared to buy our fixed asset in this company. This contribution will be
supply to buy our own fixed asset and machine and equipment in this
company. Our fixed asset are such as, cabin office, cabin storage, office
furniture and equipment, stationary and signboard. These materials we
will buy for cash from the partnership contribution.
The second source of this company financial is to get loan from Agro
Bank. We will request the “Project Loan” for agro bank. This loan requires
us to have our own land. In this situation, our General Manager will
contribution her land to this company and the Operational Executive will
contribution he lorry to this company. The profit from this company will be
divided according to the agreement between partnership members. The
salaries of the worker will be increased every year depends on the profits
that the company have.
103
7.2 ADMINISTRATION, MARKETING & OPERATIONAL BUDGET
MARKETING EXPENDITURE
MARKETING EXPENDITURE
Fixed Assets RM
Signboard 200
Working Capital
Salaries, EPF & SOCSO 2,850
Other Expenditure
Other Expenditure 160
Pre-Operations
Deposit (rent, utilities, etc.)
Business Registration & Licences
Insurance & Road Tax for Motor Vehicle
Other Expenditure
TOTAL 3,210
ADMINISTRATIVE EXPENDITURE
ADMINISTRATIVE EXPENDITURE
104
Fixed Assets RM
Land & Building 100,000
Cabin (Office) 9,000
Cabin (Storage) 7,500
Office furniture & Equipment 10,500
Stationary 296
Working Capital
Monthly expenses
Salaries, EPF & SOCSO 6,612
Insurans 60
Telephone bill 350
Office utility(water & electric) 500
Other Expenditure
Other Expenditure
Pre-Operations
Deposit (rent, utilities, etc.)
Business Registration & Licences 120
Insurance & Road Tax for Motor Vehicle 1,500
Other Expenditure 1,588
TOTAL 138,026
OPERATIONS EXPENDITURE
OPERATIONS EXPENDITURE
Fixed Assets RM
Machine & Equipment 44,722
105
Lorry 25,000
Working Capital
Raw Materials 19,780
Carriage Inward & Duty
Salaries, EPF & SOCSO 7,182
Other Expenditure
Other Expenditure
Pre-Operations
Deposit (rent, utilities, etc.)
Business Registration & Licences
Insurance & Road Tax for Motor Vehicle
Other Expenditure
TOTAL 96,684
106
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