ON

TRADINGBUSINESS
Name of Business: Pinoy Trading NameofBusiness:Pinoy Trading
LegalForm: SoleProprietorship
BusinessType: Trading
Productsand/orservices:Fertilizer, Productsand/orservices:Fertilizer,
Insecticides
Customers: Farmers Customers: Farmers
Owner: PedroPenduco
Numberofstafforemployees:2,SalesClerk,
Bookkeeper,1
deliveryboy,1warehouseman
FUNDREQUIREMENTS
ANDSOURCING
Requirements SourceofFunds
TotalCostEquity OWWALoan
FixedAssets:
BuildingConstruction/Renovation P20,000.00P20,000.00
MachineriesandEquipment 100 000 00100 000 00 MachineriesandEquipment 100,000.00100,000.00
FurnitureandFixtures 5,000.005,000.00
WorkingCapital 300,000.00 300,000.00

TOTAL P425,000.00P125,000.00 P300,000.00
===================
MARKETINGPLAN
Productstobesold:Fertilizerand
Insecticides Insecticides
TargetCustomers:Farmers
Location: NeighborhoodandNearby
PlacesofSanRicardo,Talavera,
NuevaEcija
Competition and competitive Competitionandcompetitive
advantage:
Competitors
Present
estimated
Capitalization
No. ofyears
in
Operation
Comparative
Pricing
ABCTrading
Capitalization
P500,000.00 3
High
x
Ave. Low
Bagong Buhay
Coop.
1,000,000.00 10
X
Pinoy Trading
300,000.00
X
WHYWOULDPEOPLEBUYMYPRODUCTS
/ AND/ORSERVICESINSTEADOFMY
COMPETITORS?
Pinoy Trading will be offering special
discounts to customers with good credit g
standing. We will be selling products of
good quality with low price and will make g q y p
sure that customers are our top priority by
providing excellent customer assistance and p g
free ontime delivery for every P5,000.00
worth of products purchase.
Expected
Sales/Month
ProductPricing
Sales/Month
100cavans offertilizerat
P / dP
Products will be sold at 25%
k d ill b ff i P1,500/cavan andP25,000.00
toP50,000.00insecticide.
mark up and will be offering
3% special discounts to good
customers. Compare to our
d competitors, our products
will be selling at low price but
of good quality.
BUSINESSLOCATION
Pinoy Trading is located at San Ricardo, Talavera,
Nueva Ecija along provincial road near San Ricardo
National High School and Brgy Hall of Brgy San National High School and Brgy. Hall of Brgy. San
Ricardo. It is very accessible to nearby places because
of concrete roads and there is electricity supplied by y pp y
Nueva Ecija Electric Cooperative. San Ricardo,
Talavera and neighboring places are 98% agricultural
area.
METHODSOFDISTRIBUTION
METHOD
Free Delivery
DETAILS
P5,000.00worth of
productspurchased
COST
productspurchased
withinSanRicardo,
Tal.,NuevaEcija
Gasoline P50.00/delivery
DeliverywithCharge Withintheareawitha
minimumchargeof
P150 00/delivery P150.00/delivery,
outsideTalavera
P300.00/delivery
Gasoline P100.00/delivery
TYPESOFPROMOTION/ADVERTISING
TYPE
SIGNAGE
DETAILS
TOBEINSTALLEDINFRONTOF
THESTORE
COST
P500.00
STEAMERS/TARPAULIN
THESTORE
TOBEINSTALLEDINCROSSING P1,000.00
CABANATUANCITY
POSTERS/FLYERS TOBEDISTRIBUTEDINNEARBY
PLACES
P500.00
TECHNICAL
AND
ORGANIZATIONALPLAN
MANPOWER COMPLEMENT MANPOWERCOMPLEMENT
POSITION BRIEFDESCRIPTION NO.
REQ
SALARY/WAGE
RATE
Manager Shallberesponsiblein
managing thebusiness.
Th d i i k d
REQ
D
RATE
No salary needed
i hi i l Thedecisionmakerand
primaryresponsibleinthe
businessoperations.
1 since this is a sole
proprietorship.
The owner is the
manager.
Cashier Shallberesponsiblefor
g
Nosalaryneeded Cashier Shallberesponsiblefor
cashoutflowsandinflows.
Nosalaryneeded
sincethisisasole
proprietorship.
Theownerisalso
thecashier.
POSITION BRIEFDESCRIPTION NO SALARY/WAGE POSITION
SalesClerk
BRIEFDESCRIPTION
Shallberesponsibleinthe
NO.
REQ
D
SALARY/WAGE
RATE
p
dailysales.Shall attendsto
customerneeds.Shall
reportandpreparedaily
sales
1
P3,000.00subject
tosalaryincrease
dependsonthe
netincomeofthe sales. netincomeofthe
business.
Sales
Clerk/Bookkeep
er
Shallberesponsiblefor
dailysales.Sinceshesalso
thebookkeepersheshallbe
1
P4,000.00subject
tosalaryincrease
dependsonthe er thebookkeepersheshallbe
responsibleinrecordingof
thedailysalesanddaily
transactions.Shallprepare
f l f
dependsonthe
netincomeofthe
business.
financialreportsforreview
oftheowner/manager.
POSITION BRIEFDESCRIPTION NO.

SALARY/WAGE
Delivery Boy Shallberesponsibleinthe
deliveryofproducts
REQ
D
RATE
P3,000.00subject deliveryofproducts
purchased bycustomers.
Shallsubmittobookkeeper
thedeliveryreceipt.Shall
b ibl i th
1
P3,000.00subject
tosalaryincrease
dependsonthe
netincomeofthe
b i beresponsibleinthe
maintenanceofdelivery
vehicle.
business.
Warehouseman Shallberesponsibleforin
andoutofproducts.Shall
preparetheinventory
reportandshallbe
1
P3,000.00subject
tosalaryincrease
dependsonthe
netincomeofthe reportandshallbe
responsibleformonthly
physicalinventoryunder
thesupervisionofthe
netincomeofthe
business.
owner/manager.
MACHINE/EQUIPMENTREQUIREMENT / Q Q
MACHINEEQUIPMENT NO.REQD UNITCOST TOTALCOST
Delivery Vehicle
FurnitureandFixtures
1 P100,000.00 P100,000.00
5 000 00 FurnitureandFixtures
Office/StoreRenovation
5,000.00
20,000.00
OrganizationalChart
Owner/Manager/
Cashier
S l Cl k B kk
Warehouse Delivery
SalesClerk Bookkeeper
Man
y
Man
BASICASSUMPTIONS
WorkingCapital(OWWALoan)payableinoneyear
P300,000.00
InterestonLoan7 5%p a withgraceperiodoftwo InterestonLoan7.5%p.a.withgraceperiodoftwo
months
FreedeliveryforaminimumpurchaseofP5,000.00 y p 5,
P300deliverychargeoutsideTalavera,NuevaEcija
P150.00deliverychargewithin
25%markuponproductssold
SalariesandWages
D li b P / th 1Deliveryboy P3,000.00/month
1SalesClerk P3,000.00/month
1SalesClerk/Bookkeeper 4,000.00/month
1DeliveryBoy 3,000.00/month
W h / h 1Warehouseman 3,000.00/month
Power,LightandWater
Electricity P700 00/month Electricity P700.00/month
Water 300.00/month
OfficeSupplies 500.00/month
TaxesandLicenses
BIR/BusinessPermit(MayorsPermit),DTI/DOLE
P it(t b ti di ) Permit(tobeamortizedinoneyear) 4,000.00
FuelandOilforDeliveryofproductssold
2,000.00/month
Trans.AndTravellingExpenses 2,000.00/month
PromotionalExpenses
Signage Tarpaulin flyers 2 000 00 Signage,Tarpaulin,flyers 2,000.00
Plant Property DEPRECIATION Plant Property
andEquipment
DeliveryVehicle
COST
P100,000.00
ESTIMATEDLIFE
10years
DEPRECIATION
PERMONTH
P833.33
Furnitureand
Fixture
5,000.00 5years 83.33
Store
Construction/Ren
ovation
20,000.00 5years 333.33
Salespermonth100cavans ofFertilizerat
P1 500 00/cavan andP62 500 00 P1,500.00/cavan andP62,500.00
PurchasespermonthdependsonCashAvailablefor PurchasespermonthdependsonCashAvailablefor
Use
PINOYTRADING
ProjectedStatementofCashFlow
January1toMarch31,2015
January February March January February March
CASHINFLOWS:
LoanProceeds(OWWA) 300,000.00
NetSales 212,050.00 212,050.00 212,050.00
TOTALCASHINFLOW(Available 512,050.00 212,050.00 212,050.00
for use) foruse)
Less:CASHOUTFLOWS:
Purchases 290,000.00 194,000.00 194,000.00
Salariesandwages 13,000.00 13,000.00 13,000.00
Power,Lightandwater 1,000.00 1,000.00 1,000.00
OfficeSupplies 500.00 500.00 500.00 pp
TaxesandLicenses 4,000.00
Trans.AndTravellingExps. 2,000.00 2,000.00 2,000.00
FuelandOilExpenses 2,000.00 2,000.00 2,000.00
PromotionalExpenses 2,000.00
TOTALCASHOUTFLOW 314,500.00 212,500.00 212,500.00
NETCASHBEFOREDEBT
SERVICE 197,550.00 (450.00) (450.00)
Less:DebtService
LoanPayable(Principal) 0 0 25,000.00
Interest on Loan 0 0 1 875 00 InterestonLoan 0 0 1,875.00
TotalDebtService 0 0 26,875.00
NETCASHFLOWAFTERDEBT 197,550.00 (450.00) (27,325.00)
SERVICE
Add:CashBal.Beginning 0 197,550.00 197,100.00
CASHBALANCEEND 197,550.00 197,100.00 169,775.00
PINOYTRADING
ProjectedIncomeStatement
FortheFirstQuarterEnded,2015
January February March
SALES 212 500 00 212 500 00 212 500 00 SALES 212,500.00 212,500.00 212,500.00
Less:SalesDiscounts 450.00 450.00 450.00
NetSales 212,050.00 212,050.00 212,050.00
Less:CostofSales
Beg.Inventories 0.00 120,000.00 144,000.00
dd h Add:Purchases 290,000.00 194,000.00 194,000.00
Less:PuchasesReturns&
Allow. 0.00 0.00 0.00
Purchase Discounts 0 00 0 00 0 00 PurchaseDiscounts 0.00 0.00 0.00
GoodsAvailableforSale 290,000.00 314,000.00 338,000.00
Less:Merchandise
Inventories 120,000.00 144,000.00 168,000.00 Inventories 120,000.00 144,000.00 168,000.00
COSTOFSALES 170,000.00 170,000.00 170,000.00
GrossIncome 42,050.00 42,050.00 42,050.00
Less:OperatingExpenses
Salariesandwages 13,000.00 13,000.00 13,000.00
Power,Lightandwater 1,000.00 1,000.00 1,000.00
OfficeSupplies 500.00 500.00 500.00
TaxesandLicenses 333.33 333.33 333.34
Trans.AndTravelling
Exps. 2,000.00 2,000.00 2,000.00
FuelandOilExpenses 2,000.00 2,000.00 2,000.00
PromotionalExpenses 2,000.00 0.00 0.00
DepreciationExpense 1,249.99 1,249.99 1,250.02
TotalOperatingExpenses 22,083.32 20,083.32 20,083.36
NetIncomefrom
Operation 19,966.68 21,966.68 21,966.64
Less:InterestonLoan 1,875.00
Net income Before Tax 19 966 68 21 966 68 20 091 64 NetincomeBeforeTax 19,966.68 21,966.68 20,091.64
ProvisionforIncometax 5,990.00 6,590.00 6,027.49
NETINCOME 13,976.68 15,376.68 14,064.15
PINOYTRADING
ProjectedBalanceSheet
FortheFirstQuarterEnded,2015
January February March
ASSETS:
Currentassets:
C h H d 197 550 00 197 100 00 169 775 00 CashonHand 197,550.00 197,100.00 169,775.00
MerchandiseInventories 120,000.00 144,000.00 168,000.00
PrepaidExpenses 3,666.67 3,333.34 3,000.00
TotalCurrentAsset 321,216.67 344,433.34 340,775.00
Plant,propertandEquipment:
DeliveryVehicle 100,000.00 100,000.00 100,000.00
Less:AccumulatedDepreciation 833.33 1,666.66 2,500.00
99,166.67 98,333.34 97,500.00
StoreConstruction 20,000.00 20,000.00 20,000.00
Less:AccumulatedDepreciation 333.33 666.66 1,000.00
19,666.67 19,333.34 19,000.00
Furniture and Fixtures 5 000 00 5 000 00 5 000 00 FurnitureandFixtures 5,000.00 5,000.00 5,000.00
Less:AccumulatedDepreciation 83.33 166.66 250.00
4,916.67 4,833.34 4,750.00
TOTALASSETS 444,966.68 466,933.36 462,025.00
LIABILITIESAND
CAPITAL
LoansPayable(OWWA) 300,000.00 300,000.00 275,000.00
ProvisionforIncomeTax 5,990.00 12,580.00 18,607.49
AccruedExpenses
Payable
TotalLiabilities 305,990.00 312,580.00 293,607.49
CAPITAL:
Pedro Penduco Capital 125 000 00 125 000 00 125 000 00 PedroPenducoCapital 125,000.00 125,000.00 125,000.00
NetIncome 13,976.68 29,353.36 43,417.51
CAPITAL END 138 976 68 154 353 36 168 417 51 CAPITALEND 138,976.68 154,353.36 168,417.51
TOTALLIABILITIESAND
CAPITAL 444,966.68 466,933.36 462,025.00
THANK THANK
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