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2- Please describe your Business Idea by answering the following questions! A- What is your product or service?

As financial support is crucial to support the growth of all businesses, we plan to provide small loan and deposit services of micro and small enterprise operations in order to push and ensure operation. We believe that by having enough financial support, small and micro enterprises will grow on a place which is the future turn of their operations into a larger scale. We aim to produce very competitive loan products which are flexible to meet all types of enterprise operations in various sectors namely agriculture, trading, manufacturing, and processing, and likewise. There are three criteria to be considered: a- Agricultures This is for clients whose professions are in agriculture. They can borrow money in Riel and dollar based on the real need in each operational area. Loan for farming Loan for animal feeding Loan for rice planting Loan Size Period 1M 12M? 1M 12M? Interest 3.5%? ?

Currency KHR Dollar b- Individual Loan

Client can borrow money in Riel, Baht or Dollar based on the real need in each operational area. Loan for business Loan for handicraft Loan for service Loan Size Period 1M 12M --------------------------Interest 2.5% - 3.5% -----------------------------

Currency KHR Baht USD

c- Well-trained clients This loan is to provide to only clients who were trained by agriculture department. Currency KHR Baht USD Loan Size Period 1M 12M --------------------------Interest 2.5% - 3.5% -----------------------------

Plus: Maybe more if you have found for example, compulsory loan. The bottom line is that theyre just roughly ideas of suggestion I have come up with. Its subject to alter.

B- Please identify your target customers!

Since the loan and deposit products are designed for only micro and small enterprise operations, our customers are farmers who produce agricultural products, such as paddy, corn, bean, cassava, tapioca, and the like. Basically, they are small vendors who are selling groceries, food, fish, and likewise. The most importantly, these people do not have enough access to financial support as they need due to the fact that most financial institutions have very strict policies and requirements for their loans/landing service. Apparently, only 30% of rural poor (farmers) can access to financial support.

We can conclude that micro lending can be used if you are currently self-employed and need capital to expand your business; have an idea for a startup business, want to expand your business beyond your home; need financial, marketing and management support with your business; need small business training; need a loan for purchasing equipment or for working capital; have been denied a business loan from traditional lenders; have limited credited and little collateral.

Below is our target market profile: 1- Developmental-Secondary target and entry level products o Clients not entrepreneurs o Livelihood activity

o Poverty alleviation 2- Primary target market for micro enterprise solution o Opportunistic o Entrepreneurs

C- How is your business idea different from what currently exists in the market?

Financial supports by existing financial institutions are too expensive to the farmers these days. The financial institutions charge at 18% per annum as a lowest service for their financing.

Unlikely, our business model is more advantageous and beneficial to the borrowers as follows: -

We plan to charge our customer at 1.1% per mensum to 1.2% per mensum based on the cost of fund. We plan to provide constantly service to them for free of charge. We determine to offer humanizing financial service to our customers. Precisely, we will provide not only the financial support but also other supports, such as community development, agriculture advices, business advice, and other similar forms to ensure their community become more prosperous with the existence of our service.

D- Please describe any social benefits resulting from your proposed business venture!

Microfinance benefits ripple out to families and communities. As a business generate profits, small loan recipients build asset, save money, and are able to provide for their families. If the business expands to hire additional employees, then the entire community gets an economic development boost. Once repaid and recycled, microfinance loans can help family after family lift themselves out of poverty. Microfinance leads to: More education Better health

Improved diet and nutrition Resilience in the face of disasters

Microfinance ultimately breaks the cycle of poverty: Microfinance gives hardworking people the opportunity to move from dependence on aid to financial self-sustainability empowering them to change their own lives and the lives of their children. The bottom line, the motivations of our social mission are: Its ultimate goal is overcoming poverty, empowering the poor, especially women, and supporting start-up self-employment businesses.

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