ETR ASSIGNMENT

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,


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,



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 : [email protected]

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)


Name: Hazlina Bte Husin

I/C Number: 830822-04-5564

Permanent Address: BT 19 3/4, Jalan Haji Limin,

Kampung Rim, 77000 Jasin, Melaka


Date of Birthday: 22 August 1983

Age: 28 years old


Academic Qualification: Diploma in Estate Management, UiTM (2002-2005)

Course Attended: 1) Entrepreneurship Course

2) Entrepreneurship Convention

17


Skills: 1) Fluent in Bahasa Malaysia, English and Mandarin

Working Experiences: 1) Staff in JPPH, Johor (2007-2010)


Name: Shahidah Mohd Zaini

I/C Number: 860128-10-5964

Permanent Address: No 6, Jalan Muafakat 2, Taman

Dato’ Bandar


Date of Birthday: 28 January 1986

Age: 25 years old



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)


Name: Anis Norazah Azhar

I/C Number: 870716-10-6306

Permanent Address: No 166, Kg Sg Pulai, 45200 Sabak

Bernam, Selangor


Date of Birthday: 16 July 1987

Age: 24 years old

Marital Status: Single


Course Attended: 1) Entrepreneurship Course

19

2) Entrepreneurship Convention


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)


Name: Mohamad Hazri Bin Bidin

I/C Number: 841204-01-5659

Permanent Address: No 3, Jalan Nagaria 1, Batu Pahat,

Johor


Date of Birthday: 04 December 1984

Age: 27 years old



Course Attended: 1) Young Entrepreneurship Course

20

2) Multimedia Application and Uses Seminar

Skills: 1) Excellent in Communication and Interpersonal Skills


3) Skill in editing picture (Illustration)

Working Experiences: 1) Clerk in Maybank (2009-2010)


Name: Nadira Kamaludin

I/C Number: 861207-01-6332

Permanent Address: No 7, Jln Tupai Terbang 3, Tmn Sri

Saga, 83000 Batu Pahat, Johor


Date of Birthday: 07 December 1986

Age: 25 years old



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)


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.


Date of Birthday: 06 October 1986

Age: 25 years old



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)


Name: Nur Diyana Bte Zainal Abidin

I/C Number: 840326-23-5570

Permanent Address: 01-3, Blok 14, Tmn Cempaka, 81200

Tampoi, Johor Bahru


Date of Birthday: 26 March 1984

Age: 27 years old



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


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


Wholesalers 30%

Retailers 10%

Banana Leaf:


Retailers 100%

Banana Flower:


Wholesalers 40%

Retailers 60%

Banana chips:


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,



ii. Multi Nature Sdn. Bhd,

No.84 Kampung Senggarang,



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


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


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


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


2 February January (6)

3 April March (7)

4 June May (8)

1 November October (9)

80

Plantation 2013


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

http://4.bp.blogspot.com/_gu8Piim9e-U/SxP0yTFtCeI/AAAAAAAABTs/Kjb4BwBP73k/s1600/Pisang+dibuang+kulit.jpg

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


Insurans 60

Telephone bill 350

Office utility(water & electric) 500

Other Expenditure

Other Expenditure

Pre-Operations


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


Other Expenditure

Other Expenditure

Pre-Operations


Business Registration & Licences

Insurance & Road Tax for Motor Vehicle

Other Expenditure

TOTAL 96,684

106

Documents

ETR ASSIGNMENT