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Course and Section No.

: EMBA-660 Sec-01 Semester : Fall 2011


Date of Submission : 14-10-2011 ID # : 081626090
Assignment # : 01
Heading : Small Business Financial Survey
Executive Summary : This report provides a survey and analysis and evaluation of small business
financial management. Here interview has been taken of four fish hawker who sale their fish at
Khilkhet area to collect some specific datas. Results of data analyses show that how they manage
their investment, how they operate business as a daily basis, what are the risk they face, what are their
returns, what are the growth rate of their business and what kind of ethics they follow. All of them are
fish hawker and doing this hawker business for 2 to 4 years. But they are celling fish from the very
beginning of their life. They find this business as a new opportunity of their proffesional business.
But they have to maintain a limited amount of goods to sale because their customers are limited. So
they can not increase their investments in this business.
Collected data :
Sl No. Person 1 Person 2 Person 3 Person 4
1 2 years 3 years 3 years 4 years
2 Tk3000 Tk2000 Tk2500 Tk2000
3 Tk6200 Tk7000 Tk5400 Tk8000
4 Equity Equity Equity Equity
5 N/A N/A N/A N/A
6 N/A N/A N/A N/A
7
7a 5.00am 5.00am 5.00am 5.00am
7b Tk5500 Tk6500 Tk4900 Tk7200
7c Tk700 Tk500 Tk500 Tk800
7d Khilkhet Khilkhet Khilkhet Khilkhet
7e 110% 110% 110% 110%
7f 12.00pm 11.00am 11.30am 12.00pm
8
8a Yes Yes Yes Yes
8b Yes Yes Yes Yes
8c Yes Yes Yes Yes
8d Yes Yes Yes Yes
8e Climate Climate Climate Climate
9
9a 350 300 300 300
9b 50 50 50 50
10
10a Tk700 Tk600 Tk550 Tk850
10b 5% 5% 5% 5%
10c 15% 12% 15% 14%
10d 10% 10% 10% 10%
10e No No No No
10f 400 400 300 400
11 No No yes No
11a N/A N/A equity N/A
12 No Yes yes Yes
12a No No No Yes
DIV daily
Average
Losses
Can they increase their business
What would they need to increse their business
Is it their only business
Is it enough to support them through the year
Information
How long he is in this business
What time do they start
How much cash do they invest in the morning
How much cash do they carry with them for this day
Where do they sell
How much fund did they start with
Their investment today
Equity or debt funds
Repayments and terms
Interest rate
How do they carry out their business
Daily
How do they price their goods
How long dose it take them to recover their cash
What are the risk the face
Business risk
Political risk
Criminals
Mastaans
Least
Most
Others
Expenses in carrying out their business
Business expenses
Personal expenses
Eanrings
Analysis : An financial anlysis has been done as below by taking the data those has been collected from
the fish hawker to evaluate their business performance.
Calculation:
PBR=200/700=28%
Compare: All of the four person are doing the same business in the same area but their business growth
rate are different as they are managing their finance in different way. The performance of the persons
4 is high as he has maintain 6% growth rate in his business.
Implication: They are doing their business as a hawker and they are earning money as a daily basis
and they are taking some money from their business to meet their daily needs. So the business help
them to meet their financial needs.
Risk: They also have to face the risks of business. Like business risk, political risk, mastaans risk etc.
Return: They are taking some return from their business as daily basis to meet their daily needs.
Value: Their business are gating internal growth rate that make value for them. But the growth rate is
limited as they have the limited customers in their business area.
Ethics: They have to follow some ethics to increase their sales and to maintain good relation with their
customers.
DIV=300
POR=300/550=54%
RE=550-300=150
PBR=150/550=27%
g=10%X27%=2.7%
DIV=400
POR=400/850=47%
RE=850-400=450
PBR=450/850=53%
g=11%X53%=6%
DIV=400 DIV=400
POR=400/700=57%
RE=700-400=200
g=11%x28%=3%
POR=400/600=67%
RE=600-400=200
PBR=200/600=33%
g=9%x33%=3%
COGS=5250
NI=550
ROE=550/5400=10%
Sales=8400
COGS=7550
NI=850
ROE=850/8000=11%
COGS=5900
NI=700
ROE=700/6200=11%
Sales=7500
COGS=6900
NI=600
ROE=600/7000=9%
Person 1 Person 2 Person 3 Person 4
Sales=6600 Sales=5800
their investment, how they operate business as a daily basis, what are the risk they face, what are their
returns, what are the growth rate of their business and what kind of ethics they follow. All of them are
Analysis : An financial anlysis has been done as below by taking the data those has been collected from
Compare: All of the four person are doing the same business in the same area but their business growth

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