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