Page 1 of 35

Business Plan

OWNERS

Your Business Name

Address Line 1

Address Line 2

City, ST ZIP Code

Telephone

Fax

E-Mail

Page 2 of 35

I. Table of Contents

I. Table of Contents ................................................................................................... 2

II. Executive Summary ............................................................................................... 3

III. General Company Description ............................................................................ 5

IV. Products and Services.......................................................................................... 10

V. Marketing Plan ..................................................................................................... 10

VI. Operational Plan .................................................................................................. 25

VII. Management and Organization ......................................................................... 26

X. Financial Plan ...................................................... Error! Bookmark not defined.

XI. Appendices ........................................................................................................... 31

XII. Refining the Plan ................................................. Error! Bookmark not defined.

Page 3 of 35

II. Executive Summary

Write this section last.

Include everything that you would cover in a five-minute interview.

Explain the fundamentals of the proposed business:

What will your product be?

A women center.

Who will your customers be?

The women.

Who are the owners?

The center for Wassan, Hind and Lubna.

Hind Spa and sport center.

Wassan D.J, the salone (wedding place), worker women.

Lubna the food, the coffee

What do you think the future holds for your business and your industry?

We will open another women center in different places.

The money

Make it enthusiastic, professional, complete, and concise.

If applying for a loan, state clearly

How much you want?

We need 4,800,000 to 5,000,000.

Page 4 of 35

Precisely how you are going to use it?

The place will include the house (small center) with two large swimming pools

and garden will cost 3000,000.

The spa creams and tools will cost 200.000

The sport center 100.000

The beauty center 400.000

Healthy coffee center 100.000

There is 1000.000 left for maintenance and electricity and water and salary for the

workers

How the money will make your business more profitable?

We make co marshal in the T.V and small massages in the E-mail and via

BlackBerry we can attractive the women. (By taking a photo and put it in the

massages). By awareness people to the dangers of the chemical protect on the

skin. By using organic tools and products to keep the women skin live more

without any said effect. Rent places in the center that are consider on the organic

tools. And we offering offers every month to attract women.

Thereby ensuring repayment.

Bab rizq will give us money, and then after the business is working we will

return them the money with benefits.

Page 5 of 35

General Company Description

What business will you be in?

Beauty center (women project)

What will you do?

Center

Stuff (workers)

Contract with a food supplier and coffee

Contract with healthy product supplier

Vision Statement:

Helping the women in general, builed a center contains a pouty shop, hilthy

clup and coffee shop. Their will be out side servies including home made and

pouty sirceces at coustomer home.

Mission Statement:

Helping the women to analyze that the chemical products it does not help her

skin, it will make it worse, encourage women to search for the beauty healthy

product. Build a center contains a beauty shop, healthy clup and coffee shop.

Also, there are outside (delivery) services including homemade and beauty

services at customers home.

Page 6 of 35

Many companies have a brief mission statement, usually in 30 words or fewer,

explaining their reason for being and their guiding principles. If you want to

draft a mission statement, this is a good place to put it in the plan, followed by:

Bab Rizq Jamil, is supplying our project with an a special omount of money. We

will build a private center for women. This center contains gym, spa and saloon.

In our salon we only use natural products. Also we will provide home services

that serve customers at home for make up or body-hair care.

We will have privet place for women. Our women beauty and healthy center is

specialized than other centers because we use organic product that will keep

your beauty longer without any chemical that with the time will destroy your

beauty. And we have special praises and offers.

Company Goals and Objectives: Goals are destinations

Our goals are to lead the women in the Arab regions to take care about her

beauty with organic products and we want to educate the women that are in the

Arab region how is the organic product is better for your skin and the dangers of

the chemical product on us and in the environment. Spread our center in many

different places in the Saudi Arabia region and maybe in some Arab countries.

Also, we are hoping to be the best beauty and healthy organic women center in

the Middle East that help her to beauty and healthy and on the other hand help

her to relaxed by sending some of our stuff to the customer houses.

—where you want your business to be?

In (KSA) Khobar region

Objectives are progress markers along the way to goal achievement. For

example, a goal might be to have a healthy, successful company that is a leader

Page 7 of 35

in customer service and that has a loyal customer following. Objectives might be

annual sales targets and some specific measures of customer satisfaction.

Business Philosophy: when we will open this center we will help the women in

said their home and they can come to us. Becase we have salone and spa and

gym and café this will help her to save her time.

What is important to you in business? Gaining customers (women) satisfaction.

And to make many branches of our business.

To whom will you market your products? (State it briefly here—you will do a

more thorough explanation in the Marketing Plan section).

We will market our products to the women. Our whole business is women, to

make her able to relax and taking care of herself.

Describe your industry.

Contract with a food supplier

Contract with healthy product supplier

Center

Employees (workers)

Page 8 of 35

Is it a growth industry? What changes do you foresee in the industry,

short term ?

Yes because we will make a spichal make up and creams.

and long term?

— Short-term: our goal is to gain the satisfaction of the customer.

— Long-term: our goal is to serve the women , to provide services as we can

even at home .

How will your company be poised to take advantage of them?

When the customer start to pay it and help their skin they will told the other to

come to us and bay it, we will do a camorshal to make other know our product.

Describe your most important company strengths and core competencies.

To be healthy and to have small community that women can have pinefet

Home delivery

Make up training

We help the worker women by make the servies in the website

What factors will make the company succ working together

it can go to all the places

Page 9 of 35

eed?

What do you think your major competitive strengths will be?

Yes, not all the center has this services.

What background experience, skills, and strengths do you personally bring to

this new venture?

In the family we have some have this salon BUT it is normal so we add some

idea to it.

Yes we need to be strength in the work.

Legal form of ownership: Sole proprietor, Partnership, Corporation, Limited

liability corporation (LLC)? Why have you selected this form?

Page 10 of 35

III. Products and Services

Describe in depth your products or services (technical specifications, drawings,

photos, sales brochures, and other bulky items belong in Appendices).

What factors will give you competitive advantages or disadvantages? Examples

include level of quality or unique or proprietary features.

What are the pricing, fee, or leasing structures of your products or services?

Product: we used natural things in the salon a Equipment applause hair

scissors, hair dyes, hair dryer, towels, natural creams, nail polish.

Services: that we can make our salon outside with massage

And the most important thing that in a small press the button and every thing

will come to your house this is make us different and they can bay the money via

Visa to make it easy and simple to the customer

Marketing Plan

Market research - Why?

No matter how good your product and your service, the venture cannot succeed

without effective marketing. And this begins with careful, systematic research. It

is very dangerous to assume that you already know about your intended market.

You need to do market research to make sure you’re on track. Use the business

planning process as your opportunity to uncover data and to question your

marketing efforts. Your time will be well spent.

In one of our family women who has her salon and it seems the same idea but we

add some things to it.

I look at the Internet and I see the O'HAIR salon and spa

http://www.ohairsalon.com/

Page 11 of 35

Market research - How?

There are two kinds of market research: primary and secondary.

Secondary research means using published information such as industry profiles,

trade journals, newspapers, magazines, census data, and demographic profiles.

This type of information is available in public libraries, industry associations,

chambers of commerce, from vendors who sell to your industry, and from

government agencies.

Start with your local library. Most librarians are pleased to guide you through

their business data collection. You will be amazed at what is there. There are

more online sources than you could possibly use. Your chamber of commerce

has good information on the local area. Trade associations and trade publications

often have excellent industry-specific data.

Primary research means gathering your own data. For example, you could do

your own traffic count at a proposed location, use the yellow pages to identify

competitors, and do surveys or focus-group interviews to learn about consumer

preferences. Professional market research can be very costly, but there are many

books that show small business owners how to do effective research themselves.

In your marketing plan, be as specific as possible; give statistics, numbers, and

sources. The marketing plan will be the basis, later on, of the all-important sales

projection.

In one of our family women who has her salon and it seems the same idea but we

add some things to it.

I look at the Internet and I see the O'HAIR salon and spa

Product

In the Products and Services section, you described your products and services as

you see them

It is so symbol we can it is inside and outside the inside are: salon, spa and café.

Page 12 of 35

The outside we will make the salon outside and the massage.

The unique about us that we make the customer visited our web site to see the

pitcher and they can bay via visa this what the customer like no need to come

from your home you can do everything.

We are having in every section different kind of services. So, in the beauty

section we are having, organic make up, hair stylist; cutting, high light, coloring

your hair, straighter hair, and there is mode care body care, we have also,

removing hair body by wax and for the face we have wax and plucking and also

we have Henna for your hair and for your body.

And in the healthy center we are having two sections. The first is sport section

that will include two large swimming pool, fitness centers, dance classrooms and

basketball courts. The second, is spa that include different kind of massages also,

there is sauna, and treatment place.

In the other hand we have also, coffee shop, healthy food shop and D.J makern

shop, Coordinate concerts and wedding and also, we deliver some of our

services to your houses and even we have house cleaner and nany for your

children.

. Now describe them from your customers’ point of view.؟؟

Our center focuses on the women beauty and healthy so in their point of view

about the salon most of the main things that we use are organic and that what

our customers are looking for. In the K.S.A there are few salons that are using

organic tools and makeup in their salons. In our salon we use organic makeup it

is smooth and have nice colors and at the same time organic to help our

customers to have healthy skin and young skin. Our customer said “we are

looking for salon that it can have organic makeup we missed that kind of

makeup in our country and if we know that there are salon in our country that

will use that kind of makeup I will be the first woman go to this salon

”(Abear,2011). Also, our customer needs to professional hair stylist because the

hair is sensitive thing and what let the women more gorgeous it’s like the crown

on the king head without that crown he is like the rest of the people so the hair

stylist is one of the necessary needs for our customer some of our customer they

think that the salon without hair stylist it’s like the baker without bread. In our

salon also we have mode care and body care and when we ask one of the

Page 13 of 35

customers she said the mode and the body care are most necessary for her

because not everyone can do it perfect without hearting you except an export

and professions and that what we have in our salon. On the other hand we have

the spa and the sport center that take care of the healthy and the relaxation part

of the customer. Most of our customers are workers or sometimes women that

have a lot of responsibilities however, they need some times to have some time to

take care of their selves therefore we are having spa that have different kind of

massages and treatments when I do research and I ask question to some of

people in a public places I ask do you think that the organic spa and sport center

necessary? And what will make the people go to these places and what let the

people ignore it? Most of the women answer with yes it is necessary and what

will let the women like it there was a lot of answer but what was repeating

several times that if the place have high quality and low prices it will cause them

to like the places be their best place. However, if the price was high most of them

say that they will ignore it or visit it in the concerts.

We realized that places without coffee or some shops it will cause the customer

to apply that there is problem in services. So, to let everybody enjoy our center

we include coffee shop, healthy food shop and D.J maker shop, Coordinate

concerts and wedding. And that what let our center the best and a lot of people

like to visit it.

At the other hand because our center wants to help the women to relax we offer

house delivery for some of our services actually this service it made because

when I ask some women what the thing that you wish to be in the beauty healthy

women center? a lot of them they were wishing to have delivery to their houses

and it does not took from them high price. So that what cause us to have house

delivery and house cleaner and nany to help take caring of the children and the

house while we are helping our customer and many of them they like the

delivery services and one of them said” your center is the best center in the

country cause it looking to help the women in many ways” (Aisha, 2011).

Features and Benefits

List all of your major products or services.

For each product or service:

Page 14 of 35

Describe the most important features. What is special about it?

1. That the customer can bay with our web site via visa.

2. We used natural thing in our center.

We make our salon and spa outside

Describe the benefits. That is, what will the product do for the customer?

Save the time.

Help the women.

Save their healthy body

Note the difference between features and benefits, and think about them. For

example, a house that gives shelter and lasts a long time is made with certain

materials and to a certain design; those are its features. Its benefits include pride

of ownership, financial security, providing for the family, and inclusion in a

neighborhood. You build features into your product so that you can sell the

benefits.

Saloon

* (Organic make up)

What let our makeup special that it’s organic and who will put for you the

makeup are professional in makeup and the benefits of the organic makeup is

keeps the skin young, it doesn't irritate even the most sensitive of skins. It won't

damage your skin and cause you pimples or roughness, won’t make your skin

uneven in skin tone and it is also non-comedogenic so it will not clog your pores.

*( Hair stylist; cutting, high light, coloring your hair, straighter hair.)

What make it unique that we have hair stylist that they are careful and well

known how to deal with the hair. We believe that the hair is sensitive cell and not

every hair stylist knows how to deal with it. That way we have experience hair

stylist to fix the problems of the customer hair, understand the right cut of the

hair let our customer trust our hair stylist and put her hair between our hair

stylist hands without fear.

*(Mode care body care)

Page 15 of 35

We have the experience and the export women for this job also, because we take

care about our customer health each woman want to do mode or body care have

to buy or bring with them their own small bag for the mode care and body care

to take care of our customer health. The mode and the body care are to increase

the beauty of the women.

*(Removing hair body by wax)

Our wax is organic and natural we have export stuff that they know how to deal

with wax it remove your hair body with just a second. Everybody know the

benefits of the hair body remover but with our center you will have a nice and

smooth body you ever had and it will take long time to see your hair body again.

*(Wax and plucking the hair on your face)

We use organic wax and special thread that is smooth on the face and at the same

time clean your face. And the benefit of this is to appear your beauty.

* Henna

Henna is extracted from a tree by drying and grinding leaves and stems. Our

Henna is from Indian and Morocco farms you can use is on your hair it will let

your hair tall and strength and you can use it on your body it clean your body

and you can also have draw on your body like the tattoos but an Arabian draws.

Spa &Sport center

*(Swimming pool)

We have two swimming pools but it’s not like the normal swimming pool one of

our swimming pools is hot springs. The benefits are Lower Blood Pressure,

Sleep Better, Improve Joint Mobility, and Eliminate Toxins.

* (Fitness centers)

We have the new and the effective machine sports in our center and also we have

trainer women that she can help you to lose some weight. The benefits are, losing

weight, having good shape, high fitness.

* dance classrooms

Page 16 of 35

Also we have several kinds of dance like the Egyptian dance, slow dance, tango,

cha-cha, and hip-hop. We have professional trainers that they train you to dance.

And we know that the music it relax the person how about dancing and you are

hearing one of your favorite song and you move your body with the music you

will be having Flexibility because of the dance and Strength, Endurance,

Endurance is the ability of muscles to work hard for increasingly longer periods

of time without fatigue and Sense of Well-Being.

* Basketball courts

In K.S.A rarely you found basketball for women that what cause us to have

privet basketball courts for women. The benefit of the basketball first Burn

calories (an hour of basketball can burn 630–750 calories), build endurance,

improve coordination, develop concentration and self-discipline, build up

muscle.

* massages

We have different kind of massages like Acupressure, Swedish massage, Deep

Tissue Massage, Shiatsu, Sports Massage, Hot Stone Therapy, Aromatherapy

Massage, Reiki, Pregnancy Massage, and Craniofacial Therapy. The benefit are

Pain Relief, Improved Circulation, Stress Relief, Reducing Blood Pressure, Better

Sleep, Improves Flexibility, Athletic Performance, Strengthens the Immune

System, Emotional Benefits.

House Delivery

We offered to have a house delivery for our canter and that to help women to

enjoy caring themselves even if they do not having a car to come to us or they

like to do everything in their houses therefore, we include this services that will

help a lot of women and at the same time we are the only canter that offer house

delivery.

What after-sale services will you give? Some examples are delivery, warranty,

service contracts, support, follow-up, and refund policy.

Page 17 of 35

We are having house delivery for some of our services and also we will have

membership card that will cause you to enter the spa and the sport center. Also

because we will sale some organic product and if you find that our product are

not organic you can have your money back.

Customers

Identify your targeted customers, their characteristics, and their geographic

locations, otherwise known as their demographics.

The description will be completely different depending on whether you plan to

sell to other businesses or directly to consumers. If you sell a consumer product,

but sell it through a channel of distributors, wholesalers, and retailers, you must

carefully analyze both the end consumer and the middleman businesses to which

you sell.

You may have more than one customer group. Identify the most important

groups. Then, for each customer group, construct what is called a demographic

profile:

Women

Age between (20-40)

Gender female

Location in the east or Saudi Arabia , Khobar, Dammam

Income level per a day 1500 at least.

Social class and occupation meddle class

Education (high)

Other (specific to your industry)

Other (specific to your industry)

For business customers, the demographic factors might be:

Industry (or portion of an industry)????????????????

Page 18 of 35

Location ( Japan, India, Morocco, Europe)

Size of firm (big and medium)

Quality, technology, and price preferences

(High quality , the price for the big firm is high but the medium it’s good)

Other (specific to your industry)

Other (specific to your industry)

Competition- (SWOT analysis)

What products and companies will compete with you?

Beauty shops, health products shops, coffee shops and restaurant.

List your major competitors:

Aramco beauty shop, at aramco . premadona, Doha dhahran

(Names and addresses)

Will they compete with you across the board, or just for certain products, certain

customers, or in certain locations?

They wont be a competitors involving the whole board, we created some new

ideas which will rise our level. Sure there will be a compotation in certain

products, customers.

Will you have important indirect competitors? (For example, video rental stores

compete with theaters, although they are different types of businesses.)

No, they won’t be indirect competitors, especially in our region. We will have a

video commercial which will prevent this type of competition.

How will your products or services compare with the competition?

Page 19 of 35

Quality of our products is a good one, all are natural, minirals contained. Our

services will be special; it will carry the respect and loyalty. However, that we

will offer a home services (massage, makeup and hair work)

Use the Competitive Analysis table below to compare your company with your

two most important competitors. In the first column are key competitive factors.

Since these vary from one industry to another, you may want to customize the

list of factors.

In the column labeled Me, state how you honestly think you will stack up in

customers' minds. Then check whether you think this factor will be a strength or

a weakness for you. Sometimes it is hard to analyze our own weaknesses. Try to

be very honest here. Better yet, get some disinterested strangers to assess you.

This can be a real eye-opener. And remember that you cannot be all things to all

people. In fact, trying to be causes many business failures because efforts become

scattered and diluted. You want an honest assessment of your firm's strong and

weak points.

Now analyze each major competitor. In a few words, state how you think they

compare.

In the final column, estimate the importance of each competitive factor to the

customer. 1 = critical; 5 = not very important.

Page 20 of 35

Table 1: Competitive Analysis وسن رجعي عبيه

Factor Our

Company

(Magic touch

)

Strength Weakness Competitor 1

(Aramco )

Competitor

2

(BremaDona)

Importance to

Customer

Products Salon –spa-

gym-café

***** Salon Salon-gym 1

Price Salon:200

Spa:150

Gym:500

Café: $

***** Salon: 100 Salon: 250

Gym: 1000

2

Quality High ***** normal High 1

Selection Healthy Healthy normal Normal

material

Service From:8am

To:9 pm

_____ _____ 9 am – 6pm 12- 8 3

Expertise Will be

established in

2011

*****

2000 1996 2

Company Magic touch _____ _____ Aramco BremaDona _____

Now, write a short paragraph stating your competitive advantages and

disadvantages.

Niche what make you different ميززه

Our niche is in the organic product and special services and good prices we treat

the customer as if they are a queens with price that can let everybody happy. Our

products are organic and special for our center.

Now that you have systematically analyzed your industry, your product, your

customers, and the competition, you should have a clear picture of where your

company fits into the world.

In one short paragraph, define your niche, your unique corner of the market.

Our center will be in the Middle East one of the big and known center that take

care of the women beauty and in the same time the women health.

Page 21 of 35

Strategy how do thingsهند.....ايش بنسوي فيه

Now outline a marketing strategy that is consistent with your niche.

We will send messages on email and BB’s and I phone and we will have some

free product for women to try it. We will participate in women’s exhibitions.

And we will do monthly offers on the product and services that we have. Every

month new offers. We will try also to give lecture in some high schools about our

center and how the organic product will give them more beauty and nice skin for

long time.

Promotion how if wan gut our BB out

their

How will you get the word out to customers?

Advertising: What media,We will use the internet and the phones

. why, we will use less money and we can let a lot of people know about it.

And how often? In the begging daily and then it will be every month with the

new offers.

Why this mix and not some other? It is the best for us and our strategy.

Have you identified low-cost methods to get the most out of your promotional

budget?

Yes, by BB’s messages , using the internet, send messages to phones.

Page 22 of 35

Will you use methods other than paid advertising, such as trade shows, catalogs,

dealer incentives, word of mouth (how will you stimulate it?), and network of

friends or professionals?

Yes, we will use trade shows, catalogs, dealer incentives, and advertising in a

friend web site.

What image do you want to project?

Our image is (With our magic stick you will be what you want)

How do you want customers to see you?

We want them to see us as a Saudi Women that they have the best center in the

world not just in Saudi Arabia.

In addition to advertising, what plans do you have for graphic image support?

This includes things like logo design, cards and letterhead, brochures, signage,

and interior design (if customers come to your place of business).

First of all our logo will be designed by one of our owners Hind she but a beauty

women that she is warring work clothes and in her hand a magic stick. And what

the magic stick mean’s that whatever you wish to be we can do it to you. And

we will have membership to enter to the spa and the sport center, and we will

have two brochures one will have all the service that we have including their

prices and the other one will be rewritten every month because it will be

responsible of the offers that will have monthly.

Should you have a system to identify repeat customers and then systematically

contact them?

Yes, when the women comes to us we will take from here her number and ask

her if she want us to announce her monthly for the new offer, and of course

because we are interesting to make our customer happy and come again we will

treat each women as if she is a queen.

Promotional Budget

How much will you spend on the items listed above?

Page 23 of 35

Before startup? (These numbers will go into your startup budget.)

Ongoing? (These numbers will go into your operating plan budget.)

Pricing

Explain your method or methods of setting prices. For most small businesses,

having the lowest price is not a good policy. It robs you of needed profit margin;

customers may not care as much about price as you think; and large competitors

can under price you anyway. Usually you will do better to have average prices

and compete on quality and service.

Does your pricing strategy fit with what was revealed in your competitive

analysis?

Compare your prices with those of the competition. Are they higher, lower, the

same? Why?

How important is price as a competitive factor? Do your intended customers

really make their purchase decisions mostly on price?

What will be your customer service and credit policies?

Hind

Proposed Location

Probably you do not have a precise location picked out yet. This is the time to

think about what you want and need in a location. Many startups run

successfully from home for a while.

You will describe your physical needs later, in the Operational Plan section. Here,

analyze your location criteria as they will affect your customers.

We will do our center in khobar, on high way to be obvious to the public and in

the same time encourage the women to come and see our place.

Page 24 of 35

Is your location important to your customers? If yes, how?

Yes, it important to our costumer to have place that obvious and easy to find.

If customers come to your place of business:

Is it convenient? Parking? Interior spaces? Not out of the way?

Our center have designed to make our customer relax and enjoy his moment

with us and we divided the center according to the services, there are small

parking in the versus to the center

Is it consistent with your image?

Yes,

Is it what customers want and expect?

Yes

Where is the competition located? Is it better for you to be near them (like car

dealers or fast food restaurants) or distant (like convenience food stores)?

distant (like convenience food stores)

Distribution Channels

How do you sell your products or services? no

Retail no

Direct (mail order, Web, catalog) no

Wholesale no

Your own sales force no

Agents no

Independent representatives

Page 25 of 35

Bid on contracts we will have a contract with a food company and

coffee also. And about our products that we will use, is bought from special

international beauty stores.

Operational Plan

Explain the daily operation of the business, its location, equipment, people,

processes, and surrounding environment.

Our Beauty shop center having a Hair care services, body care including a spa

and massage. It is located in al Khobar, Saudi Arabia. The center uses beauty

equipments, such as, make up, body care products, and hair products. Our staffs

are mix of beauty expertise, and others who has experience in this field before.

We also, have home services that offer our special services in customers home.

Production

How and where are your products or services produced?

Explain your methods of:

Production techniques and costs

Quality control

Customer service

Inventory control

Product development

Page 26 of 35

Location

What qualities do you need in a location? Describe the type of location you’ll

have.

Physical requirements:

Amount of space

Type of building

Zoning

Power and other utilities

Access:

Is it important that your location be convenient to transportation or to suppliers?

Do you need easy walk-in access?

What are your requirements for parking and proximity to freeway, airports,

railroads, and shipping centers?

Include a drawing or layout of your proposed facility if it is important, as it

might be for a manufacturer.

Construction? Most new companies should not sink capital into construction, but

if you are planning to build, costs and specifications will be a big part of your

plan.

Cost: Estimate your occupation expenses, including rent, but also including

maintenance, utilities, insurance, and initial remodeling costs to make the space

suit your needs. These numbers will become part of your financial plan.

What will be your business hours?

Management and Organization

Who will manage the business on a day-to-day basis? The head manager wassan

experience does that person bring to the business?

What special or distinctive competencies?

Page 27 of 35

We learn from our relative who already has a salon. But, we don’t special experts

in this field

Is there a plan for continuation of the business if this person is lost or

incapacitated? The partners will discuss with his family about the business.

If you’ll have more than 10 employees, create an organizational chart showing

the management hierarchy and who is responsible for key functions.

Include position descriptions for key employees. If you are seeking loans or

investors, include resumes of owners and key employees.

Management and Organization

Who will manage the business on a day-to-day basis? The head manager wassan

experience does that person bring to the business?

What special or distinctive competencies?

We learn from our relative who already has a salon. But, we don’t special experts

in this field

Is there a plan for continuation of the business if this person is lost or

incapacitated? The partners will discuss with his family about the business.

If you’ll have more than 10 employees, create an organizational chart showing

the management hierarchy and who is responsible for key functions.

— 1. The head manager: wassan

— 2. The lower Manager: Hind amer

— 3. Accountant: Lubna sami

4. The IT Dep. Mange.: Sara sami

— 5. Marketing Dep.: Wassan - hind - jumana

— 6. Massage people (5)

— 7. Salon worker (5) and (2)makeup

Page 28 of 35

— 8. The cleaner ladies (3)

Include position descriptions for key employees. If you are seeking loans or

investors, include resumes of owners and key employees.

— 1. The head manager: wassan Computer Engineering

— 2. The lower Manager: Hind amer Computer Engineering

— 3. Accountant: Lubna sami Computer Engineering

4. The IT Dep. Mange.: Sara sami IT

— 5. Marketing Dep.: Wassan - hind - jumana business(MIS)

— Massage people high school (training in Thiland)

— The salon girl deepened on the talents some taking training and the other

are painters and the rest for the hair they study in Philippine.

Professional and Advisory Support

List the following if any:

Board of directors all the Engineering

Management advisory board IT

Attorney wassan

Accountant Bussniess

Insurance agent Sara

Banker jomana

Page 29 of 35

Consultant or consultants Hind

Mentors and key advisors Lubna

— 1. The head manager: wassan Computer Engineering

— 2. The lower Manager: Hind amer Computer Engineering

— 3. Accountant: Lubna sami Computer Engineering

4. The IT Dep. Mange.: Sara sami IT

— 5. Marketing Dep.: Wassan - hind - jumana business(MIS)

Page 30 of 35

IV. Startup Expenses and Capitalization

مصروفات التشغيل خامسا والرسملة

You will have many startup expenses before you even begin operating your

business. It’s important to estimate these expenses accurately and then to plan

where you will get sufficient capital. This is a research project, and the more

thorough your research efforts, the less chance that you will leave out important

expenses or underestimate them.

Even with the best of research, however, opening a new business has a way of

costing more than you anticipate. There are two ways to make allowances for

surprise expenses. The first is to add a little “padding” to each item in the

budget. The problem with that approach, however, is that it destroys the

accuracy of your carefully wrought plan. The second approach is to add a

separate line item, called contingencies, to account for the unforeseeable. This is

the approach we recommend.

Talk to others who have started similar businesses to get a good idea of how

much to allow for contingencies. If you cannot get good information, we

recommend a rule of thumb that contingencies should equal at least 20 percent of

the total of all other start-up expenses.

Explain your research and how you arrived at your forecasts of expenses. Give

sources, amounts, and terms of proposed loans. Also explain in detail how much

will be contributed by each investor and what percent ownership each will have.

Page 31 of 35

V. Appendices

Include details and studies used in your business plan; for example:

Brochures and advertising materials

Industry studies

Blueprints and plans

Maps and photos of location

Magazine or other articles

Detailed lists of equipment owned or to be purchased

Copies of leases and contracts

Letters of support from future customers

Any other materials needed to support the assumptions in this plan

Market research studies

List of assets available as collateral for a loan

For Type of Business

Manufacturing x

Planned production levels

Anticipated levels of direct production costs and indirect (overhead)

costs—how do these compare to industry averages (if available)?

Prices per product line

Page 32 of 35

Gross profit margin, overall and for each product line

Production/capacity limits of planned physical plant

Production/capacity limits of equipment

Purchasing and inventory management procedures

New products under development or anticipated to come online after

startup

Service Businesses

Service businesses sell intangible products. They are usually more flexible

than other types of businesses, but they also have higher labor costs and

generally very little in fixed assets.

What are the key competitive factors in this industry?

Your prices

Methods used to set prices

System of production management

Quality control procedures. Standard or accepted industry quality

standards.

How will you measure labor productivity?

Percent of work subcontracted to other firms. Will you make a profit on

subcontracting?

Credit, payment, and collections policies and procedures

Strategy for keeping client base

Page 33 of 35

High Technology Companies

Economic outlook for the industry

Will the company have information systems in place to manage rapidly

changing prices, costs, and markets?

Yes, we will

Will you be on the cutting edge with your products and services?

We will try to be in first list .

What is the status of research and development? And what is required to:

o Bring product/service to market?

o Keep the company competitive? Keep company competitive

How does the company:

o Protect intellectual property?

o Avoid technological obsolescence?

o Supply necessary capital? We will be supply Bab Risiq

o Retain key personnel? We give them bay promotion

High-tech companies sometimes have to operate for a long time without profits

and sometimes even without sales. If this fits your situation, a banker probably

will not want to lend to you. Venture capitalists may invest, but your story must

be very good. You must do longer-term financial forecasts to show when profit

take-off is expected to occur. And your assumptions must be well documented

and well argued.

Page 34 of 35

Retail Business

Company image

Pricing:

o Explain markup policies. We have a sport center pelisses customer

should have member ship coal to use property.

o Prices should be profitable, competitive, and in accordance with

company image. When we copra the market we choose medal

prices.

Inventory:

o Selection and price should be consistent with company image.

Our company chose the best prices.

o Inventory level: Find industry average numbers for annual

inventory turnover rate (available in RMA book). Multiply your

initial inventory investment by the average turnover rate. The

result should be at least equal to your projected first year's cost of

goods sold. If it is not, you may not have enough budgeted for

startup inventory.

It depend on the accounting department.

Customer service policies: These should be competitive and in accord with

company image.

Respect their one time and loyalty. Special offer monthly. Home services

Location: Does it give the exposure that you need? Is it convenient for

customers? Is it consistent with company image?

It is a normal location that provide all customer need.

Page 35 of 35

Promotion: Methods used, cost. Does it project a consistent company

image?

Via commercial in the T.V

Credit: Do you extend credit to customers? If yes, do you really need to,

and do you factor the cost into prices?

Yes, we do, the credit will offer some free services.