Embed Size (px)
Citation preview
STEPSTO STARTING
YOUR BUSINESS
ENGLISH VERSION 1Digital copy available upon request
Mr. Roger ToussaintPrincipal Secretary for the Departmentof Industry and EntrepreneurshipDevelopment (July 2017-January 2019)
The principal role of the Departmentof Industry and EntrepreneurshipDevelopment is to assist with the creation of the enabling environment through the formulation of effective policies that will address the challenges which impact the growth of Micro, Small and Medium Enterprises (MSMEs).
MSMEs makes up more than 80% of the total number of businesses in Seychelles contributing to a spectrum of sector from Child Minding Services to Creative Industries and Light Manufacturing activities. They are the major source of job creation in any modern day economy.
Therefore they are not only significant tothe economy, they are the economy.
As a Department, we therefore cannotdisregard the challenges that MSMEs face.In order to help the MSMEs overcomethe barriers stifling their growth, we needto gather our partners and collectivelydirect our efforts at increasing thecompetitiveness of this sector.
This can be done by enhancing the availability of affordable credit, promoting innovation and technology, providing adequate infrastructure and incentives, meeting the demand for skills development and capacity building and more importantly, provide them with sufficient information.
Since the formation of our Departmentin 2017, we have participated in differentbusiness forums to explain about theopportunities available in terms of thevarious initiatives that exist and howwe intend to put forward new policiesthat will make them more accessible tobusiness promoters.
As such, this booklet provides valuable and tangible information to MSMEs on how to start a business and other requirement that are necessary for them to grow and achieve sustainable growth.Let us be reminded of the famousobservation made by Bill Gates:
“Business people need to shake off the notion that information is hard to get”
FOREWORD
1
I
STEP 1. CHOOSE YOUR BUSINESSEVALUATE YOURSELFUse these questions to guide what kind ofbusiness you want to start:
• Why do you want to start a business?• What skills do you have?• Where does your passion lie?• Where is your area of expertise?• How much can you afford to spend?• How much capital do you need?
THINK OF A BUSINESS IDEADo you already have an excellent business idea?If so, congratulations, you can proceed to the step 2. If not:
• Ask yourself what technology or advancement is coming soon, and how will thatchange the business landscape?• If your business can fix a problem for your customers, they will thank you for it.• Apply your skills to entirely new field; A fresh set of eyes from a new perspectivecan make all the difference.• Think about the current offerings and focus on how you can create somethingbetter, cheaper or faster.
CONDUCT A MARKET RESEARCHIs anyone else already doing what you want to start doing? If not, is there a goodreason why? Start researching your potential competitors or partners within themarket. For example, you can conduct interviews by telephone or face to face. Youcan also conduct surveys or ask questions like:“What factors do you consider when purchasing this product or service?” and“What areas would you suggest for improvement?”
1.1
1.2
1.3
2
3
A FEW BUSINESS IDEAS FOR SEYCHELLOIS
Blue Economy| Coastal Tourism| Pearl Farming| Ocean Energy|
| Seaweed Production| Marine Farming| Ocean Walks| | |
Tourism, Leisure &
Entertainment
| || Open Air entertainment (e.g. Drive thru Cinema)| Surf ’s School|
| Indoor gaming areas| Cultural Tourism| Nature trail guide|| Restaurants specializing in creole cuisine ONLY| Food courts|
| Music producers| Lifeguard services| Stand up Artists|
Value Addition
| Specialty local pastries| Frozen- locally readymade snacks|| Locally-made fresh juice| Grated or cut local vegetables/fruits
(properly packed for export)| Compressed Seychelles Air|| Locally made chips/biscuits/dried fruits (packed for export)|
| Locally made oil/soap/perfume/essence/tea/spices/paste/canned food (packed for export )| Packaging services| Tea- export|
Agriculture| Locally -made fertilizers and manure (also for export)|
| Bee–Keeping/Local honey production| | Special Packaging services ideal for export|
Information Technology | Public Relation Services| Bloggers| Social Media Management|
Family and Social Affairs
| | Rehabilitation Centers| | Dance Classes| Baby gyms| Holiday clubs| Music Teachers|
Health
| Healthy Food outlets /Bars|| Healthy juices / locally made-snacks (for delivery and export|
| Fitness /Yoga Classes| Personal Fitness trainers|| Fruit/juice Kiosks/Bars| School meal preparation|
| | Mobile chefs|
Transportation| Courier Services | Charging points for electric cars|
| Taxi boats (+ Jetty facilities at Districts Level)| | Bicycle Hirer on Mahe and Praslin |
Services
| Home Cleaning Services| Mobile Car Wash Services|| Kennel Services Pet hotel services| Laundry Services|
| Mobile Landscaping Services| Beach cleaning services|| Electricians| Plumbers| Painters| Translators|| Personal Shoppers| Makeup Artists (mobile)|
| Interior and Landscape Designers|
Others | Sports Academy – Tennis, Football, Swimming| Sports trainer|| Antique/Book refurbisher| Pool Cleaners|
| Renewable Energy | Marine Commerce | Cruise Tourism | | Aquaculture | Maritime Services | Biotechnology |
| Research & Development | Conservation Initiatives || Pharmaceuticals | Maritime Security | Logistical Support |
BlueEconomy
STEP 2. TRAIN AND INFORM YOURSELFThe Enterprise Seychelles Agency (ESA) replaces Seychelles Enterprise Promotion Agency (SENPA) to play a much broader role in supporting the Micro, Small, Medium Enterprises (MSMEs)
Type of Enterprise Annual Sales Turnove No. of Employees
Micro Not exceeding SCR2 million ot exceeding 5
SmallAbove SCR2 million but
not exceeding SCR10 million
ot exceeding 15
MediumAbove SCR10 million
but not exceeding SCR25 million
ot exceeding 50
Note: ‘Start-up enterprise means any entrepreneurship venture up to one year from its inception.
“Enterprise” means any form of trade or manufacture, construction, assembly, repair, maintenance, craftwork, cultivation of fruits, vegetables or flowers, livestock breeding or processing or a service related to any micro, small and medium industry or activity approved as such by the Agency.Amongst its many functions, ESA WILL PROVIDE:• TRAINING, PROMOTION AND MARKETING to support and build on the skillsand opportunities that ease the start-up of businesses.• GENERAL AND SPECIALISED BUSINESS DEVELOPMENT SERVICESnotably:- Start-up services to include, needs analysis, business and legal advice, after careand continuous assistance; and- Assist businesses/entrepreneurs to plan their business for financial viability.• SOURCED TRAINING OPPORTUNITIES FROM INTERNATIONALPARTNERS AND ORGANISATIONS for the capacity building of MSMEs.
Register with ESA to benefit from its many services.
Camion HallP.O.Box 537
Victoria, MaheTel: + 248 428 90 50Fax: +248 432 41 21
Email: [email protected]: www.esa.gov.sc
N&
N&
& N
r
4
STEP 3. PREPARE A BUSINESS PLANSYNOPSISBriefly describe what your project is about and what it hopes to achieve. Usually a fewsentences will suffice and should also include:• Business Name• Name of Main Promoter(s)• Address(es)• Contacts (Telephone number/ fax/ e-mail)
BACKGROUNDThe background should cover issues such as: promoters’ experience in the field; currentor previous activities or any earlier phase of project if it is a continuous or renovationproject; location of project; other relevant details.
PROJECT DESCRIPTION & COSTGive details of your project, all costs involved (which should be supported by appropriate documents such as invoices, quotations or receipts and any relevant documents); include an implementation plan (how long will it take and when is the project expected to be completed).
FINANCIAL ANALYSIS• Provide an analysis on the financial viability of your project (if it is profitable; etc.);• Attach cash flow forecasts (income & expenditure), for a period of 3 years at least.
MANAGEMENTProvide information about who will manage the business; their experience; qualification; etc.
EMPLOYMENTSpecify the number of employees required and their salary.
MARKETINGGive details on how your product/ services/ activities will be marketed.
ENVIRONMENTAL IMPACTGive details of any environmental impact in relation to the proposed project.
5
BUSINESS PLAN EXAMPLE
NAME OF BUSINESS.....................................................................................................NAME OF CONTACT PERSON...................................................................................CONTACT NUMBER....................................................................................................E-MAIL ADDRESS........................................................................................................POSTAL ADDRESS........................................................................................................RESIDENTIAL ADDRESS............................................................................................
X CLEANING AGENCYMR X
BACKGROUND AND DESCRIPTION OF THE BUSINESSAs a consultant in archival conservation and preservation services of books andpaper records, this poses a defining opportunity for my business to provide cleaningand preservation services of important corporate documents as well as records suchas archives, documents that needs to be conserved. There is a lot of potential in suchservices not only archival conservation but in private offices and homes whereby; personal library can be cleaned with environmentally friendly products. The project is being conceived to start up with industrial steam cleaner, vacuum cleaner as well as an assorted environmentally friendly cleaning products.
VISION OF THE BUSINESSMy vision is to introduce a new concept in restoration and preservation of archivesdocuments and books as well as provide exceptional housekeeping services. The idea is to differentiate the business from its competitors and bolster the cause of keeping the service more reliable as well as affordable.
SHORT TERM OBJECTIVES (Up to 1 Year)• To be a customer focused business which will listen to customers by providing themsuperior service exceeding their expectations, thus, earning their trust and respect.• To consistently believe in originality and innovation;• To recognize the responsibility and opportunity to contribute to society and make ameaningful difference.
MEDIUM TERM OBJECTIVES (1-3 years)To increase our customer base from private clients and small commercial to majorcommercial companies.
LONG TERM OBJECTIVES (3 years and above)To become the leading service provider in archival restoration and preservation of books.
MANAGEMENT AND ORGANISATION STRUCTUREI obtained extensive experience having worked in the archives for many years and restoring historical documents. Therefore, I will provide the service whereas my daughter will manage the administrative aspect of the business.
6
PRODUCT/ SERVICEThe business will be actively engaged in book cleaning, archival conservation,cleaning of libraries , registries , archives and repositories by using archival conservation methods, equipment and environmentally friendly cleaning products. There will also be a house keeping service where houses or buildings will be cleaned ceiling to floor.
MARKET ANALYSISCustomers will be corporate clients such as law firms, government offices, insurancecompanies (basically any parties that have a large amount of paper works in files)the rest could be private individuals. It is important to note that such service not beingoffered in Seychelles.
PRICEGiven that we are potentially the only ones providing this unique service, we willenjoy a low competition service therefore we can afford to keep our prices very low.
DISTRIBUTIONServices can be done throughout the inner islands as per demand.
PROMOTIONSince this is a very niche service and new to Seychelles, X Cleaning Agency will haveto be aggressive on its initial promotion and marketing strategies. Word of mouth fromour excellent customer care will also help get us new clients.
RISKS AND ASSUMPTIONSThe business will have an annual conservative revenue growth rate of 5% per year witha light payroll. The risks is fairly minimal as the service is very unique and there isno competitor. The assumptions would be to expect lower growth but clientele couldgrow faster than anticipated.
7
FINANCIAL PLAN EXAMPLECash Flow (Monthly)
Months Jan Fe ar Ap ay
SCR SCR SCR SCR SCR
Income from Sales 54,600 54,600 54,600 54,600 54,600
Total Sales 54,600 54,600 54,600 54,600 54,600
Expenses
Salary (for 2 Employeesat 8000 each) 16,000 16,000 16,000 16,000 16,000
Repairs &Maintenance 2,000 2,000 2,000 2,000 2,000
Bills and Utilities NA NA NA NA NA
Telephone ,000 1,000 1,000 1,000 1,000
Rental of Premises NA NA NA NA NA
Transportation Costs 3,000 3,000 3,000 3,000 3,000
Insurance 3,000 3,000 3,000 3,000 3,000
Loan Repaymen
General Expenses 2,000 2,000 2,000 2,000 2,000
Total Expenses 27,000 27,000 27,000 27,000 27,000
Net CashFlow 27,600 55,200 82,800 110,400 138,000
Mb Mril
Notes:• The SCR 54,600 income from sales are based on the assumption that SCR 2,600worth of sales are made per day, for 21 days on average.• Income from sales may vary on a monthly basis. In this case, we have used afixed amount of SCR 54,600 per month.
8
1s
t NA NA NA NA NA
and Maintenance
Jun Jul Au ep Oc ov Dec Total for the Year
SCR SCR SCR SCR SCR SCR SCR
54,600 54,600 54,600 54,600 54,600 54,600 54,600
54,600 54,600 54,600 54,600 54,600 54,600 54,600 655,200
16,000 16,000 16,000 16,000 16,000 16,000 16,000 192,000
2,000 2,000 2,000 2,000 2,000 2,000 2,000 24,000
NA NA NA NA NA NA NA 0
1,000 1,000 1,000 1,000 1,000 1,000 1,000 12,000
NA NA NA NA NA NA NA 0
3,000 3,000 3,000 3,000 3,000 3,000 3,000 36,000
3,000 3,000 3,000 3,000 3,000 3,000 3,000 36,000
NA NA NA NA NA NA NA 0
2,000 2,000 2,000 2,000 2,000 2,000 2,000 24,000
27,000 27,000 27,000 27,000 27,000 27,000 27,000 324,000
165,600 193,200 220,800 248,400 276,000 303,600 331,200 331,200
g S t N
• Net cash flow for Jan = Total Sales - Total Expenses = (SCR 54,600 - SCR 27,000 = SCR 27,600)• Net cash flow for Feb = Net cash flow for Jan + Total Sales for Feb - Total expenses for Feb = ((SCR 27,600 + SCR 54,600) - SCR 27,000 = SCR 55,200)
9
FINANCIAL PLAN EXAMPLEOperational Forecast
Year 0
SCR SCR SCR SCR
Income from Sales 655,200 705,600 730,800 756,000
Total Income 655,200 705,600 730,800 756,000
Expenses
Salaries 192,000 192,000 198,000 204,000
Utilities NA NA NA NA
Repairs &Maintenance 24,000 24,000 24,000 24,000
Telephones 12,000 12,000 12,000 12,000
Rental of Premises NA NA NA NA
Transportation Costs 36,000 30,000 30,000 30,000
Insurance 36,000 36,000 36,000 36,000
Loan Repaymen
Other Expense 24,000 26,400 28,800 31,200
Total Operating Costs 324,000 294,000 300,000 306,000
331,200 411,600 430,800 450,000
t NA NA NA NA
1 2 3
Notes: Year Zero highlighted on the Operational Forecast reflects the figures onthe Cash flow.Total Income - Total Operating Costs = Net profit
10
STEP 4. MAKE YOUR BUSINESS OFFICIALREGISTER YOUR BUSINESS NAME AT THE REGISTRATION DIVISIONBring along:• A copy of your ID or in the case of a non-seychellois a copy of your passport; there is a fee of SCR 100, • For company: Bring NIN and all legal docs such as Memorandum of Association and Articles of Association.Note: The fees may differ for companies. Please contact the Registration Divi-sion for more information.
4.1
TAKE NOTE OF THE LEGAL FORMS OF BUSINESSES:
1. Sole Trader: A sole proprietorship is a business owned by only one person. It is easy to set-up and is the least costly among all forms of ownership.
2. Partnership: A Partnership is a business owned by two or more persons who contribute
3. Company: A company is a legal entity formed by two persons or more to engage in and operate a business enterprise.
Registration DivisionIndependence HouseVictoria, P.O.Box 142
Tel: +248 428 09 00Fax: +248 422 57 64
E-mail: [email protected]
FIND A SUITABLE LOCATION FOR YOUR BUSINESS, PRIOR TO STEP 4.2
• Start by considering who your customers are. • Do not give customers a reason to go somewhere else. • Look at how nearby businesses can enrich the quality of your business as a workplace, too. • Make sure the space can support your high-tech needs. • You might want to hire an engineer to check out the state of the place to get an objective evaluation. • Rent is one of the biggest facilities expense, but check out the utilities and whether they are included in the lease or not.
• If you are a cottage business and you are considering to move out, you need to
11
STEP 4. MAKE YOUR BUSINESS OFFICIAL4.2 OBTAIN A LICENSE IF YOUR BUSINESS IS LICENSABLE
Note: Your requirement for a license and the licensing authority will differ depending on the type of business you intend to undertake. Please contact SLA or ESA for more information.
REGISTER WITH THE SEYCHELLES REVENUE COMMISSION FOR ATAX IDENTIFICATION NUMBER (TIN)Bring along:• A copy of business license (if issued with one) • Your business registration certificates;• Sole trader: NIN card of owner. Partnership: NIN card of senior partner. • Company: NIN card of public officer, representing the company.
Note: Registration should take place within 14 days after commencement of your business.
Seychelles Licensing Authority (SLA)Ground Floor, Orion Mall Building
P.O.Box 3, VictoriaTel: +248 428 34 44
Fax: +248 422 42 56E-mail: [email protected]: www.sla.gov.sc
SET UP YOUR BUSINESS BANK ACCOUNT, PRIOR TO STEP 4.3 - SEE CONTACT DETAILS OF BANKS ON PAGE 16
Bring along: • NIN card(s)/passport(s), • Your passport size photo(s) • Your utility bills (Not older than 3 months old to support proof of address(es)) • Your business registration
(The fees may vary at different banks)
Your
4.3
Seychelles Revenue Commission3rd Floor, Maison Collet
Victoria, P.O.Box 50Tel: +248 429 37 37
E-mail: [email protected]: www.src.gov.sc
12
.
STEP 5. SEEK FUNDING FOR YOUR BUSINESSFUND YOUR START UP YOURSELF; ORThe good part is that you control your destiny.
ASK YOUR FRIENDS AND FAMILY; ORIt will be hard to separate business from personal relationships, but this option can bevery straightforward.
REQUEST A CONCESSIONARY LOAN; ORLEARN MORE ABOUT GOVERNMENT-BACKED FINANCING SCHEMES ONTHE NEXT PAGE.Bring along:• Your bank account card • ID card or passport • Payslip (if applicable) • Utility bills asproof of address • Business name certificate • Guarantor details
NEGOTIATE AN ADVANCE FROM A STRATEGIC PARTNER OR CUSTOMER; ORIf someone wants your product or service bad enough to pay for it, there is a possibility they may fund it.
SEEK FUNDING FROM AN ANGEL INVESTORAngel investors are successful businessman who focuses on helping startup businesses take the first step, however it comes with certain conditions.
SEEK A BANK LOANSEE CONTACT DETAILS OF BANKS ON PAGE 16. Bring along:• Your bank account card • ID card or passport • Payslip (if applicable) • Utility bills asproof of address • Business name certificate • Guarantor details
13
GOVERNMENT FINANCING SCHEMES - FOR START-UPS AND SMALL BUSINESSES
Scheme arget Group(s) Main Terms (Subject to others) Contact(s)Seed
Capital Grant
Scheme
Businesses with annual turnover below SCR 2mil-lion and not older than 36 months old from date of businessregistration
Up to SCR 50,000No interestPersonal contribution - NilHave to follow the Seed Capital Grant Scheme Guidelines available by contacting ESA
Enterprise Seychelles Agency
Tel : (+ 248) 4289050
Agriculture Development
Fund
Registered full time farmers
Up to SCR 1 MillionInterest – 2.5%Repayment – Maximum 12 yearsPersonal contribution – NilGrace Period – 6 months depending on type of project
Development Bank of Seychelles (DBS)Tel : (+ 248) 4294410
Fisheries Development
Fund
Boat owners /
Fish processing Export
Up to SCR 7 millionInterest – 3%Repayment – Maximum 10 yearsPersonal contribution – 5%Grace Period – 12 months
Development Bank of Seychelles (DBS)Tel : (+ 248) 4294410
Seer ep Loans
SMEs with turnover less than SR6million and Households
Up to SCR 150,000Interest - 5%Repayment – Maximum 5 yearsPersonal contribution – Nil up to SCR 75,000 and 2.5% above SCR 75,000
Commercial Banks, Development Bank of Seychelles (DBS) and Credit UnionSee contact Details on Page 16
PV Rebate Scheme For Grid-Tied Rooftop Systems
Businesses and Households
Residential rebate rates: 25% of installation cost using $2.8 per Watt for installations up to 3kiloWattCommercial rebate rates: 15% of installation cost using $3.2 per Watt for installations up to 15kiloWatt
Seychelles Energy Commission (SEC)Tel: (+ 248) 4610818Development Bank of Seychelles (DBS)Tel: (+ 248) 4294410
SME Scheme
SMEs with turnover less than SR6million NOTE : Not for retail or wholesale
previous loans
Up to SCR 3million
next SCR 2 millionRepayment – Maximum 7 yearsPersonal contribution – Minimum 2.5%Grace Period – Depends on project
Commercial Banks, Devel-opment Bank of Seychelles (DBS) and Seychelles Credit UnionSee contact Details on Page 16
14
(ESA)
(SCU)
SEEREP(Seychelles
EnergyEfficiency &Renewable
EnergyProgramme)
3Boat owners /Fish processing,Export, Businesses
Ts
GOVERNMENT FINANCING SCHEMES - FOR START-UPS AND SMALL BUSINESSES
Incentives Target Group Main Terms (Subject to others) ContactBlue Grants
FundBusinesses and Organisations in-volved in protected areas management,
-ies and the “blue economy”.
Small (SCR 100,000 / 1 year); and Large (SCR up to 1 million / 2 years) SeyCCAT opens a competitive request for proposals once or twice per year.
www.seyccat.org
Blue Investment
Fund
Businesses involved in / busi-nesses interested in entering the sustainable sea-food value chain.
Concessional loans (approx. 3%): a revolv-ing fund to extend commercial loans to projects aimed at sustainably expanding the seafood value chains.
Coming soon
Development Bank Seychelles (DBS)
Tel: (+ 248) 4294410
ChildminderGrants
Childminders and Childmindingassistants
• SCR 5000 for childminder assistant;•SCR 10000 for childminding equipment.
Note:• Free refresher child minding trainings are provided every two years.
Institute for Early Childhood Devel-opment (IECD)Tel:(+248) 4673700
My First Job Scheme
Youth, Graduates Need to provide:
recognized Authority;• Copy of License issued by SLA, where applicable; and,• Copy of pay slips.
For those registered as an employer on the employer’s database. Refund of 40% of salary for a period of 1 year, refund to be capped at SCR 7000 a month.
Department ofEmploymentTel:(+248)4297200
Small and Medium
Enterprise Fund
7% on the remaining 2 million.Development Bank of Seychelles (DBS)Tel:(+248) 4294410
Disclaimer: Rates contained herein are representative as of date. Rates andavailability of funds are subject to change without prior notice, based onavailability of funds at the discretion of the bank.
15
All sectors but:Not for Retail or Wholesale, working capital
apartments for residential.
Seychelles Conservation and Climate Adaptation Trust (SeyCCAT)
BANK DETAILS1. Barclays Bank (Seychelles) Ltd.Telephone: (+248) 4383838Email: [email protected]: www.barclays.com/africa/seychelles
2. Mauritius Commercial Bank (Seychelles) Ltd.Telephone: (+248) 4284555Fax: (+248) 4322676Email: [email protected]: www.mcbseychelles.com
3. Bank of BarodaTelephone: (+248) 4618000Email: [email protected]: www.bankofbaroda-be.com/html/seychelles
4. Seychelles International Mercantile Banking Corporation (SIMBC) trading under the name “Nouvobanq”Telephone: (+248) 4293000Email: [email protected]: www.nouvobanq.sc
5. Seychelles Commercial Bank (formerly Seychelles Savings Bank)Telephone: (+248) 4294000 / 4294077Email: [email protected]: www.scb.sc
6. Al Salam Bank Seychelles LimitedTelephone: (+248) 438 5600Fax: (+248) 4385631Emails: [email protected] or Complaint : [email protected]: www.alsalamseychelles.com
7. Bank of CeylonTelephone: (+248) 461 1888Email: [email protected]: www.boc.lk
8. Bank AL Habib LimitedTelephone: (+248) 4410040 / (+248) 4410041 / (+248) 4410042Fax: (+248) 4410044Email: [email protected]: www.bankalhabib.com
9. Seychelles Credit UnionTelephone: (+248) 4290190/4290100Email: [email protected]: www.scu.sc
10. Development Bank of SeychellesTelephone: (+248) 4294400Fax: (+248) 4224274Email: [email protected]: www.dbs.sc
16
Disclaimer: More information can be obtained from specific Authorities as listed in the booklet.
YOU ARE NOW READY
To Start Your Business
Remember to always
• Stay abreast with business news• Pay employees and suppliers on time
• Keep records of your financial transaction• Keep track of your sales pattern• Ensure that you have insurance
• Pay your taxes on time
Contact ESA if in doubt
Camion HallP.O.Box 537
Victoria, MaheTel: + 248 428 90 50Fax: +248 432 41 21
Emails: [email protected][email protected][email protected]
Camion Hall, Victoria, Mahé& Pension Fund Complex,
Grand Anse, PraslinP.O. Box 537
Tel: +248 428 90 50Fax: +248 432 41 21
Email: [email protected]
STEPSTO STARTING
YOUR BUSINESS
Department of Industry and Entrepreneurship Development5th floor, Independence House Annex
Victoria, MahéTel : +248 429 72 16
Email: [email protected]
