Rabu, 27 November 2013

Proposal Usaha



PART 1
INTRODUCTION

1.1 Background
Along with the times and environment that people are now starting to change in a time consuming a food. Because they have more for the decrease in women's work and role as a mother yang only stay in home stairs alone , most women now choose to be career women who are busy with work so do not have time to cook to his family home as a result many are choosing to buy nutritious food is important and practical .
Based on the above phenomenon is very suitable and potential when we set up a precooked sausage -making business , which is one of the processed meat to production of protein content needed by many parties ranging from children to the elderly . In addition to having good taste sausages are also more attracted to children are difficult to eat meat so that the children until the parents can eat nutritious foods whenever and wherever. From the terms of price Sausage Ready to Eat fairly easily accessible by all levels of society .

1.1 Vision
- Obtaining the greatest possible profit .
- Being one of the most successful culinary business in Cikarang , even Indonesia .
- Being Ready to Eat Sausage manufacturer number 1 in Indonesia.


1.2 Mission
- Continue to innovate in creating processed meat products are unique and interesting .
- Creating creative ideas as towing the interest of buyers .
- Provide good service and friendly in an effort to attract buyers .
- Selling products at an affordable price but with the quality and taste of that riveting .


1.3 Purpose of Business
Being one of the successful culinary business in Jakarta with a high turnover so as to open more branches in Indonesia and holds a lot of employees .




CHAPTER 2
BUSINESS SUMMARY

2.1 Business Profile

Business Name :SentosaPrima
Business Type : Culinary
Business Address : JalanJababeka Block C No. Q - 14 Cikarang ,Bekasi
Phone : 085729233915

2.2 Description Initial Effort
This business is my first attempt . In the early stages I will borrow from the Bank as additional capital in our initial set up this business . I used my home for production and  located in Block C Jababeka Road no- 14 Q Cikarang ,Bekasi as a location for my business and make their business license .

CHAPTER 3
 PRODUCT

3.1 Product Overview
Ready to Eat Sausage Products I differ from precooked sausage or other. I has its own ideas and innovation in creating products Sausage Ready to Eat . I do not just produce precooked sausage but also other processed meat products that the process uses the same engine as the manufacture of precooked sausage like ( sausage that must be cooked before eat , I hope with my ideas and innovation in producing SAUSAGE , can attract buyers so as to increase my turnover .

3.2 Overview of Competition
For now I have some of the competitors.
Sausage sales affected me quite a bit because I have first competitors distribute their products and also the advertising of their product is first known to consumers .

3.3 Overview Sales
In its implementation will , I will sell my product to be in outlet special opening for the products of my own production which is strategically located close to the production site , in addition I will distribute to shops near the place of production and are also sold by wandering into villages and complexes . Certainly in sales later , no sales strategies will I use to attract potential buyers . My great hope that the implementation will be selling sausages I run successfully .

CHAPTER 4
SWOT ANALYSIS

1 . Strength ( Strength )
a.Having characteristics different menu with other businesses that are Sausage Sausages without preservatives Healthy and mixed vegetable extract high vitamin .
b.The place is strategically
c.It was very tasty
d. satisfactory service , neat and clean .

2.Weakness ( Weakness )
 Not suitable for people who dislike Sausage
yet have branches
 Less capital to start a business
unstable raw material prices and very high ( meat and vegetables )
 Prices were a little expensive

3 . Opportunity ( Opportunity )
 popular with most people .
v
 Typical Healthy Sausages menu makes this business very promising .
v
 Branch that bring consumers more easily approached .
v
 Cultural consumerist society .
v

4 . Threat ( Threat )
 A lot of rivals out there .
v
raw material prices could go up at any time can lead to price increases sausage that may reduce the buyer .
v









CHAPTER 5
FINANCIAL PLANNING

Total cost of construction enterprises Ready to Eat Healthy Sausages is Rp 17,750,000 , - the details are as follows =

1 . Fixed costs ( Fixed Cost)
No. . Item Name Item Number Price @ Total Price
1 On-site shop - 1,000,000.00
2 Equipment store
 a. Storefront 2 300,000.00 600,000.00
 b .seat 2 20,000.00 40,000.00
 c . Table 1 150,000.00 150,000.00
3 Machine Food Processor capacity of 5 kg 3 10,000,000.00 30,000,000.00
4 Bak Steinlisteal 9 50,000.00 450,000.00
5 Tools to insert dough into sausage casings 6 50,000.00 300,000.00
6 Shelf cook sausage 5 100,000.00 500,000.00
7 Cookers sausage 1 5,000,000.00 5,000,000.00
8 as a means of cooling water pipe after cooked sausage 1 500,000.00 500,000.00
9 Scales 4 100,000.00 400,000.00
10 Freezer 2 100,000.00 200,000.00
Vacuum machine for packaging 11 1 100,000.00 100,000.00
12 20 20,000.00 400,000.00 Basket
total 39,640,000.00






2 . Variable costs ( Variable Cost) per Month
No. Item Name Item Amount ( kg ) Price per kg quantity price
1 45,000.00 2,025,000.00 45 beef
2 6,000.00 60,000.00 10 Spinach Vegetables
3 vegetables carrot 10 10,000.00 100,000.00
4 tapioca flour 12 10,000.00 120,000.00
5 shallots 3 6,000.00 18,000.00
6 garlic 5 7,000.00 35,000.00
7 celery 2 5,000.00 10,000.00
8 white pepper powder 2.5 15,000.00 37,500.00
Casing 9 700 100.00 70,000.00
10 electric and water - 100,000.00
11 cost of sales 400 100 per rod 40,000.00
12 Other expenses - 128,775.00
total 2,744,275.00

3 . Total Cost ( Total Cost )
TC = TFC + TVC
TC = USD $ 39,640,000.00 , - + Rp 2,744,275 , -
TC = Rp 42,384,275.00


4 . income
The sales target is toast per day Monday-Sunday . 700batang.Waktu sell in a month selling 21000batang .
Daily revenue = Rp4,500 , - x 700 = USD 3,150,000.00 , -
Monthly income = Rp 3,150,000 , - x 30 = USD $ 94,500,000.00


5 . Price calculation
Cost / Cost Variable = Rp2 , 744,275.00 , -
Hpp per rod = Rp 2,744,275.00 , - / 700 = USD 3,920.39 ≈ Rp 4,000 , -
Desired profit = Rp 4,500 . - ─ Rp4,000 , - = Rp 500 , -

6 . Breakeven Point Analysis ( Break - Even Point )
BEP = Fixed Cost = Rp , = 42,384,275.00 84,768.55 rod
       Profit of Rp 500 , -
BEP will mean in = 84768.55 / 21000 = 4.04 months
7 . analysis of RC
Variable cost / benefit
= Rp2 , 744,275,00
Rp 405,725.00
= 0.147844148
By 0.15 the results of these efforts are not suitable for household industry .

SOURCE OF FUNDS INVESTMENT
Funding needs in the development of this business comes from its own funds and borrowed funds from banks , namely :
Equity : 21,192,137.50 USD ( 50 % )
Bank Credit : Rp 21,192,137.50 ( 50 % )
Total $ 42,384,275.00 ( 100 % )

CHAPTER 6
CLOSING


A. Anticipating the Future
As a good business , we are not going to let this business runs horizontally . We will continue to try to improve the quality of our work , so that enthusiasts or consumers satisfied with the service and the taste of the bread we made. Because if we do not our quality sausages likely increase these efforts will not go forward and threatened with bankruptcy .

B. Conclusion
We think this business can thrive and be successful . We are very confident that this effort will go forward and continue to grow because it is done by people who have the quality of jobs in each run . We are aware that these efforts will directly growing rapidly but we will continue to strive to continue to run and develop the business .

CREDIT BANK GEM
Business in Indonesia is currently experiencing rapid growth , as seen by the increasing number of new entrepreneurs emerging in the business world. Development certainly gives positive signal to economy in Indonesia that directly impact on macro economic growth in Indonesia.

The rapid growth of the industry would need financial support from financial institutions as venture capital for business development . Once the importance of the role of financial institutions as a business partner for entrepreneurs to improve their business and certainly expected to be the financial backer for the entrepreneurs themselves .

Permata Bank as financial institutions look at the business world as something positive and see this as an opportunity to improve services to the community , especially employers who are expected to become a business partner who can always help the entrepreneurs in Indonesia , Permata Bank has always had a commitment to realize the expectations of the planning for your company .

With the range of products held by PermataBank ,Permata Bank Credit facility is one of the commitments that have been Permata Bank owned since its inception aimed to develop the business , improve the welfare of the community , and participate in national economic growth .

So what are you waiting for entrepreneurs , on this occasion, we offer products and services with Bank Permata very attractive and competitive rate .



Permata Bank Credit Products

A. Working Capital Loan ( WCL )
Is one of the leading service aimed at Permata Bank to finance additional capital additions receivables and additional business development and increasing working capital requirements , Permata Bank is always ready to serve the needs of the addition of ceiling ( suplesi ) credit .
Permata Bank to provide an alternative form of credit financing as follows :
• Skim credit limit decreases with a maximum term of 3 years
• Skim the credit limit fixed by a maximum term of 1 year .
In working capital credit application , customers are required to provide their own funding with minimum of 30 % of the total capital requirement .

B. Credit Investment ( KI )
Investment credit is the perfect solution for entrepreneurs who need financing the initial investment to be done by the customer . Investment credit ( KI ) are loans intended to finance fixed assets ( machinery , buildings , vehicles , etc. ) The addition of the company's assets , it will further improve the quality and quantity of your company's production .
KI = TPC - SDS
TPC = Total Project Cost
SDS = Sharing Funds Alone min 35 %

Interest rates and general requirements in accordance with KMK.Kredit This investment has a term of s / d 5 years.With minimum limit of Rp . 500.000.000 , - ( Five Hundred Million Euro ) to 40 billion rupees.

General requirements :

A. Terms of Applicant
1 . Not included in the list of Bad Debts BI / BI Black List .
2 . Indonesian citizen 21 years old or have been married .
3 . Has been established / experienced in the business carried on at least 2 years without interruption
4 . Financial condition / Financial Statements should profit the past 2 years .

B. The documents that must be completed
• Individual:
o Copy of ID ( husband and wife )
o Copy of Family Card ( If married / family )
o Copy of Letter / Marriage Certificate
• Business entity :
o Copy of ID card ( the board and Commissioners )
o Copy of Deed , the Deed of Amendment
o Copy of letter of approval of the Minister of Justice and the State Gazette
• Other Supplementary Documents for Individuals & Business Entities :
o Photograph size 4 x 6 each - each 2 pieces
o Copy of the Certificate of Name Change
o Photocopy of citizen / foreigner
o Copy of TIN
o Copy of Business License / TDUP / SIUJK
o Copy of valid TDP
o Copy of the other licensing required for the business
o Copy of SPPT last year and marks repayment
o Copy of SPK / Other Work Order during the last 1 year
o Copy of last 6 months bank account statements of BNI / other Banks
o Copy of Certificate rights Reserved / HGB 's. Prospective borrowers , business company , the Company's Management
o Copy of building permit for an existing building land
o Copy of last 3 years of Financial Statements such as Balance Sheet and Income Statement .
C. Administrative costs , facility fees , insurance fees and notary fees
      ( according to regulations )
1 . cost Provision
Loan Type Status Customer Base Rates
New retail 1:25 %
New commercial / Duration 1:25 % / 0.75 %
New Medium / Long 1:00 % / 12:50 %

2 . Administrative Costs
Minimum magnitude of Credit Rates
Up to Rp 50 million to Rp .100.000 , -
>Rp 50 million - Rp 100 million to Rp . 150.000 , -
> Rp.100 million s / d Rp 500 million to Rp . 250.000 , -
>Rp 500 million s / d Rp 1 M USD. 350.000 , -
> Rp1 M s / d Rp 3 M USD. 750.000 , -
> Rp.3 M s / d Rp 10 M USD. 2.000.000 , -
> Rp.10 M s / d Rp.25 M Rp . 2.500.000 , -
> Rp.25 M s / d Rp 50 M USD. 7.500.000 , -

0 comments:

Poskan Komentar