BUSSINESS PLAN

BTMW 4012
PREPARED FOR: DR. HASLINDA

TITLE OF BUSSINESS PLAN: STEVIA FRUITY DRINK

NAME OF BUSSINESS: FAMILY TREE ENTERPRISE

BUSSINESS ADDRESS: NO 9, JALAN 1/9A. TAMAN BBU. AYER KEROH, MELAKA.

Name Matric no

B041310226 FATEIHAH BINTI AB RAHMAN

B041310270 NORJANNAHTUL AINAH BINTI NORASHID

B041310262 NABIHA BINTI MOHMAD NUR

B041310080 WAN NORFETY AZUWA BINTI WAN AHMAD

B041310291 NABILAH BINTI AB HALIM

DATE OF SUBMISSION: 14 th MAY 2017

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Contents
1.0 EXECUTIVE SUMMARY ..................................................................................................... 4

2.0 BUSINESS DESCRIPTION ................................................................................................... 5

2.1 Overview of the industry ..................................................................................................... 5

2.2 Discussion of company........................................................................................................ 5

2.3 Description of products ....................................................................................................... 5

2.4 Positioning ........................................................................................................................... 6

2.5 Pricing strategy .................................................................................................................... 6

3.0 MARKET

3.1 Customers.7

3.2 Market size/Trends....7

3.3 Competition...8

3.4 Estimate Market Size.11

3.4 Sales Projections 12

4.0 PRODUCTION AND DEVELOPMENT ........................................................................ 14

4.1 Development Status ........................................................................................................... 14

4.2 Production Process ............................................................................................................ 14

4.3 Cost of Development ......................................................................................................... 15

4.4 Labour ................................................................................................................................ 16

4.4.1 Organizational Chart................................................................................................... 16

4.4.2 Manpower Planning .................................................................................................... 17

5.0 SALES AND MARKETING ........................................................................................... 18

5.1 Marketing Strategy........................................................................................................ 18

5.1.1 Positioning ............................................................................................................. 18

5.1.2 Pricing .................................................................................................................... 18

5.1.3 Target Customer .................................................................................................... 19

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 5.2 Distribution and place strategy ..................................................................................... 19

5.3 Advertising and Promotion ........................................................................................... 21

5.4 Training Policies ........................................................................................................... 22

5.4.1 Competence required for Customer Service (CSM).............................................. 22

6.0 MANAGEMENT .................................................................................................................. 23

6.1 Description......................................................................................................................... 23

6.2 Owner ................................................................................................................................ 24

6.3 Board of Director25

7.0 FINANCIAL PLAN .............................................................................................................. 30

7.1 Information ........................................................................................................................ 30

7.2 Financial Strategy .............................................................................................................. 31

7.3 Cash Flow .......................................................................................................................... 32

7.4 Income Statement .............................................................................................................. 33

7.5 Balance Sheet .................................................................................................................... 34

7.6 Risk .................................................................................................................................... 35

8.0 CONCLUSION ..................................................................................................................... 36

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1.0 EXECUTIVE SUMMARY

Family Tree Enterprise is the name of this company and owned by Fateh and family
who invented the Stevia Fruity products.Stevia Fruity is based on 100 percent natural
ingredients, there are no preservative added. Stevia Fruity based on mixed fruit juice and
stevia which is unique and it is healthy alternative to other drink. Stevia Fruityhave no
additional colouring or additives and it have health benefit for instance. Besides that,
Stevia Fruity is to provide new and different flavor. With the knowledge on business and
production stuff currently, this company has their own staff in production, delivery, and
sales. The initial cost for this project is about RM 172,400 including the total cost.

All business will have risk and for this product if they are anything that might be as a
risk is the competitors and the new ideas on the drink. As for the action to be taken, we
planned to always up to date and always come out with the new ideas and provide a good
services better than the others brand. Due to the transformation of culture, most of
professional and educated people have start conscious of health. In the future to attract
more customers and increase productivity on Stevia Fruity drink, we will continue produce
fresh and healthy drink concept.

In the future, we would like to expand our network of customersinto both the local and
international market therefore we intend to strengthen our sales and upgrading the capacity
expansion and facilities. While we expanding our product we can also offered many job
opportunity to others who needed. For the future prospects of the business, we will focus
on the capacity expansion and facilities upgrade. We intend to acquire more production
lines to double the capacity and upgrade existing production facilities through purchasing
new machineries and equipment. The catalysts of our growth are our ability to expand our
network of customers and to increase our production capacity.

In order to expand our business, we intend to acquire, joint ventures or strategic

alliances with other companies that are fit to our business. We believed there are
opportunities to further expand into both the local and international market.

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2.0 BUSINESS DESCRIPTION

2.1 Overview of the industry

The idea of this product are because of the current health issues in Malaysia and
worldwide such as the diabetes. In order to overcome the issues, this drink can be
taken as alternative drink. Furthermore, people are concern about healthy lifestyles
and they will choose something that healthy. In the market, there are droplet stevia
that have been sold so it will be the nearest competitor with our product. Our
product is different from them and it is more convenient. The current stevia need to
drop it in the water while our product is like a normal drinking water with stevia and
fruit flavour.

2.2 Discussion of company

This product is one of drinking water that made of stevia and local fruit that will
helps people in maintaining their sugar intake. This business is company owned by
Fateh and family as the partnership.The business was located at Bukit
BeruangUtama in Melaka. Our target market for this product is all ages because our
product is to provide a healthy drink for all consumers because nowdays people are
more concern on their health and prefer healthy product. This product will be sold at
the supermarket and we also provide door ship service. For now, we use the
advertisement and online marketing such as website and social media to advertise
this product.

2.3 Description of products

Family Tree Enterprise is the name of this company that starts as a new born
company and offer a health drink products, named as Stevia Fruity. This Stevia
Fruity is a combination of pure fruits and stevia itself. Currently, the flavour for the
drinks consists of four flavours of local fruits that are mango, pineapple, banana and
watermelon.These Stevia Fruity drinks offer the most delicious, nutritious, 100%
natural with no artificial flavors, colors or preservatives. In this company, we will
produce the Stevia Fruity and supply it at supermarket and also door ship services.
Our scopes involving producing, packaging and supplying the drink.

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2.4 Positioning
The different between the droplet stevia and this Stevia Fruity can helps to beat
the competitor because this product is more convenient and easy to get. The location
of this business also gives a high impact in selecting the proposed business. Besides
that, the competitor is less and this product is highly demand.

2.5 Pricing strategy

As the pricing strategies, we will followed the cost that have been made and
even thought the price is a bit pricy than other drink but still it gives good benefits
and as the consumer who are concern about their health and body, it will not be a
problem. We will do some promotion so that the customers can get discount and buy
more. This product will provide us more chance and opportunity to getting the funds
for the business and try to get customer loyalty with our good services and the
quality of the Stevia Fruity.

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3.0 Market

3.1 Customers
Fruity Stevia is a combine retail (direct to end customer) strategy our target
customer must be broken into two split groups, the end customer and the reseller.
Our target market for this product is all ages. They are children, teenagers, diabetes,
healthy problem and dieter. Furthermore, people are concern about healthy
lifestyles which mind and body wellness are important to them. There are a number
of new demand trends that have impacted the market and created greater
opportunities since this product are new in market after the droplet stevia.

3.2 Market size/Trends

The table shows that the estimation of target market for one month is 30,000 units.
This estimation is based on the population of customer in one place. We more focus
on the supermarket which is as know supermarket is attention place and people
choice while buying the needed. The fixed price for one bottle is RM16, which is
affordable to all customers to buy it.
Table 1 : Target Market
Place Numbers Of Willing To Estimation Of Target Market
Target Market Buy (Unit)
Supermarke 150 112 16800
t
Door ship 60 30 1800
services
Website 55 48 2640
Retail 120 73 8760
stores
Total Unit 30,000

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 Table 2: Price for each Place
Place Amount (RM)/ Per Unit
Supermarket 16
Door ship services 16

Website 16

Retail stores 16

Calculate market size per year

Total Unit: 30,000 per month

Market Size per Year = Unit x price per Unit 12 month

= 30,000 x Rm16 x 12
=RM 5,760,000

3.3 Competition
The product of this company was came out with droplet, however to fulfil the
demand of customer, this company come out one product as beverages. This
product is highly concentrated with stevia that mixed up with fruity extract.

Stevia Fruity based on mixed fruit juice and stevia which is unique and it is
healthy alternative to other drink. It is proven that stevia is one of the healthies
beverages in the world since; it was used as sweetener droplet in food and drink
daily. The stevia can control blood pressure especially when it is unnaturally high
and also blood sugar levels and fight diabetes.

Furthermore, this Stevia Fruity can helps to beat the competitor because this
product is more convenient and easy to get. This extract can be consumed directly
since it is like normal drinking with stevia fruit flavor. They are come in four
different kind of flavours and 100% natural with no artificial flavor or color.

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Imagine that all of the benefits from stevia and vitamin from the fruit would
combine and can obtain in a bottle.

After doing survey, the result shows that the nearest competitors are Stevia
drop. Since that, the competitor is less and this product is highly demand. The
comparison is between stevia drop and Stevia Fruity. Stevia fruity is a product that
is highly concentrated with stevia and fruit extract while the stevia drop is naturally
from stevia leaves. Both products are compared in term of category, purposes,
materials, effects, competitor, and SWOT.

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 Table 3: Comparison of Competitor
Comparison

Stevia drop Stevia Fruity

Categories Liquid Concentrates Sweetener Liquid Concentrates drink

Purpose To provide a better-for-the-body To provide new intention of

sugar alternative. liquid concentrates drinks in
healthy way.

Ingredients Stevia leaf Fruit

and Effects Sweetener instead of sugar that Four different of fruit that come
extract from stevia leaves. out with different vitamin and
benefits.
Silica
anti-caking agent in powdered foods Stevia
Lower blood pressure, blood
Inulin(soluble vegetable fibre) sugar levels and help fight
Occurring prebiotic, good digestive diabetes.
health and immune function.

SWOT Strengths Strengths

Naturally from stevia leaf with one 100% from stevia leaves and
flavour. fruit.

Rich in Inulin which helps in Additional supplement of

digestive problem and immune vitamins, calcium and iron direct
function. from fruit.

Variety of aroma, rich taste and

flavour.

Weakness Weakness
Higher price due to high quality of New product that need more

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 ingredients publicity from people

Raw materials are not easy to obtain Focus on quality of fruit and
in Malaysia. stevia leaf because it is 100%
from it.

Opportunities Opportunities
As a sweetener and natural sugar for Easy to have and drink; no need
diabetes person to control their sugar to mix with other drink.
in blood.
Threats
Threats Price is includes GST
High price, not all people affordable
to have it Compete with other fruit drink.

Competitors RCC Stevia Sweetener, Sweetleaf, None

NOW Better Stevia, Pure Stevia.

3.4 Estimate Market Share

Table below shows the market share between the Stevia Fruity and nearest
competitor, Stevia drop. As the beginner in this level marketing, Stevia fruity has 40%
from market share. However, it is good initial market for new inventor drink product
like us. This is because there is less competition and highly demands due to the
combination of stevia and variety of fruit extract.
Table 4: Estimate Market Share
Name of Market Share Total sales per Month (RM)
Competitor

Stevia Drop 58.3% RM8,062,000

Stevia Fruity 41.7% RM5.760,000

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*Market Share = (Particular Companys Sales)/( Relevant Markets Totals sales )
X100%

Market Share

42%

58% Stevia Drop

Stevia Fruity

Chart 1: Market Share

3.4 Sales Projections

The sales projections of this product is the backbone of ours business plan. The table
shows the sales projections for the next five years. The unit of this product at first
year is 30,000 units and it will increase based on the customers need. So, we decide
as in the table. For price, the starting price is RM16 per unit. The price will increase
based on the economy in Malaysia, however we will state best price for Stevia
Fruity.

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 Table 5: Sales Projections for 5 Years
Sales Years 1 Years 2 Years 3 Years 4 Years 5
projections
Units 30,000 45, 000 47,000 55,000 57,000
Unit price 16 16.25 16.5 17 17.20
Sales 480,000 731,250 775,500 935,000 980,400

Product sales RM 480,000 RM 731,250 RM 775,000 RM 935,000 RM 980,400

RM1,200,000

RM1,000,000

RM800,000

RM600,000

RM400,000

RM200,000

RM0
Years 1 Years 2 YEARS 3 YEARS 4 YEARS 5

Graph 3.5: Sales Projections

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4.0 PRODUCTION AND DEVELOPMENT
4.1 Development Status

The productions of the Stevia Fruity drinks are completely done. All the drinks
were packaged for supply to selected retail stores. Stevia Fruity drinks are sold in
selected retail stores in Malacca.

4.2 Production Process

The best conditions to grow a stevia plants are in warm conditions. It is better to
grow it from rooted cutting than from seeds. Germination of stevia seeds tends to be
spotty. Since the type of soil in our garden is sandy, we add compost for extra nutrients
at feeder roots because it tends to be quite near the surface.

During development stage, stevia plants are sensitive to cold and the roots can be
affected by excessive levels of moisture. So, to maintain the moisture level of roots from
excess or less, we watering the plants twice a day to make sure the soil are drains easily
and not soggy to flooding or puddling. The fertilizer use is fertilizer with low nitrogen
content. We use organic fertilizer because they release nitrogen slowly.

The stevia plants are harvested by cutting off the branches at the base of the
plant. Then, all of them are washing by using clean filter water. After make sure
everything is clean, picking the leaves and discard the stem. Left all leaves for 12 hours
in the sun to let them dry. Once everything is dry, grind them in the food processor.
Then, dissolve pure stevia powder with hot filtered water. Stir the mixture of stevia
powder and hot water and leave out at room temperature for 24 hours. Strain the
stevia out of the liquid and store the liquid stevia in the refrigerator

The last part is to make a juice. For example, process of making orange
juice drink. Water is mixed with liquid stevia. Stir until it completely mixed
together. Then, pour the orange juice and vanilla extract. Stir all the mixture
together. Lastly, the mixtures are filling in bottle and label. After completed the
packaging process, the drinks are delivered to selected retail stores in Malacca.

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4.3 Cost of Development

Table 6: Development Budget

Budget Monthly (RM) Yearly (RM)
Materials 3000 36000
Direct Labour 1800 9600
Overhead 1700 20400
Marketing and Sales 1000 12000
Capital Equipment 8000

Table 4.1 above shows the development budget for every month in a year.
Around RM 3,000 is provided each month to buy materials which are fruits and bottles.
We spend almost RM 36,000 for materials in a year. For now, we have almost 10
workers in our company. The average salary for each of them is RM 800. The total
direct labour for a year is RM 96,000. All the overhead expenses required operating the
business during development such as office supplies and utilities are RM 1,700. Budget
for marketing and a sale is RM 1,000 a month. Total budget for a year is RM 12,000.
The budget uses for advertisement on board, flyers, and internet. For the capital
equipment such as the machine processor to grind stevia leaves need around RM 5,000
for one machine. The total for two machines is RM 10,000.

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 4.4 Labour
4.4.1 Organizational Chart

Wan Norferty Azuwa bt Wan Ahmad

CEO

Fateihah bt Ab Rahman Norjannahtul Ainah bt Norashid

Vice President Operations Manager Vice President Administrative

Manager

Nabilah bt Ab Halim Nabiha bt Mohmad Nur

Vice President Marketing Vice President Financial

Manager Manager
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4.4.2 Manpower Planning
Table 7: Manpower Planning

No Position No of Minimum Minimum Other Min Max Total

Required Positio Qualification Years Specification Basic Basic monthly
n Experience salary (RM) salary
(RM) (RM)

1 Farmer 3 SPM None -Have 950 1300 1200

knowledge
about
agriculture

2 Accountant 1 Diploma in None -Graduated 1500 2000 1800

Accounting with CGPA
above 2.65
3 Worker 4 SPM None -Capable do a 950 1300 1200
variety of jobs

4 Driver 2 SPM None -Good at 950 1300 1200

driving
-Can drive a
van or lorry
-Have full
license

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5.0 SALES AND MARKETING
5.1 Marketing Strategy

Marketing strategy is a determination of the business goals that we want to achieve and efforts
in marketing that we need to perform in order to achieve those goals. Besides that, its also
called as a plan in order to reach people and turning them into customer of the products or
services that the business provided.

5.1.1 Positioning

Selecting a positioning strategy is critical to long-term success. Positioning of the brand is one
of the positioning strategy. We need to know that positioning of the brand is one of the
important thing, since it indicates on how consumers give meaning to our brand based on
impression, feelings and perception. The brand and product of the organization occupy a
particular space in the consumers mind in relation to competitor. For our product, it known as
Stevia Fruity which is upgraded from Stevia product that used as sweetener in drink. When we
used stevia as our main ingredient, usually most consumer who had consume the Stevia product
will know our product.

5.1.2 Pricing

The Fruity Stevia drink price will be in the moderate range and comparable with other health
drink. The cost of the drink will be determine according to the actual cost of the Stevia drink
and not being determine according to the competitor price rate only. This healthy drink will not
only be competitive but the drink will includes many fruit flavors that give good taste and well
presented. The image projected by the pricing will be that the customer will getting a fair value
for their money and anyone who concerns for their health can afford to buy the drinks. In other
words, our pricing strategy is to price our product that comparable to the competitors. Besides
that, our company goal is to provide a good quality of healthy drink with an affordable and
reasonable price. Table 5.1.2 shows the price of our product per unit.

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 Table 8: Price of Stevia fruity drink per unit

Description Quantity Cost (RM)

Bottle 1 Unit 0.50

Fruits 200 gram 4.00

Water 200 ml 0.50

Stevia 400 ml 5.00

TOTAL RM 10.00

5.1.3 Target Customer

Target customer is the type of person that company wants to sell their product. So,
customer is needed in order to sell products. For our Stevia Fruity drink, the target
customer involved is not limited to certain range of age. This is because, our drink is a
healthy drink that can be drink by anyone either their health are in good condition or not.
However, this drink is highly recommended for people who have diabetes which cannot
consume to much sugary drink.

5.2 Distribution and place strategy

In marketing, distribution is component that will act as the place of marketing mix in the both
centre on getting the goods from the producer to consumer. In order to ensure the product
transferring to the target customer or consumer run smoothly, distribution strategy had been
used. The path or route through which goods and services travel to get place of production or
manufacture to final users is called as distribution channel. It has its centre transportation and
logistical considerations. There are four types of channel distributions as shown in Figure 5.2.

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 Figure 5.2: Channel of Distribution

For our company, we used channel of distribution 2 and 1 which used retailer as our incentive
to sell our product to target customer. In this case, we actually involved in both direct and
indirect distribution. Direct distribution is condition where customer can directly get their
product from us. Indirect distribution is where we used retailer as middleman or intermediaries
within the distribution channel. Business-to-business (B2B) distribution also occur between our
company and raw material suppliers which is fruit supplier since we need fruits which is also
main ingredient to make Stevia Fruity drink.

Besides that, place strategy also play important role. The strategic place and location of our
company make us easy in order to reach market target. Our company location is near to
industrial place which eased the customer to find us if they want to buy it directly.

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5.3 Advertising and Promotion

The promotional mix is the combination of methods used by a company to deliver company,
brand and product messages to target customers. Advertising, public relations, direct marketing
and selling are common components of a complete promotional mix. Even though it used a
large budget, advertising is commonly one of the most important promotion methods.

For advertising method, we used is through the social media. Since most of teenagers are
influenced by nowadays sophisticated technology, this opportunity can be taken to advertise our
product especially when they used social media such as Facebook, Instagram, and others. So,
while they scroll down their social media, in the same time, it can create awareness regarding to
healthy life.

In marketing, promotion is a termed that frequently used and one of the market mix element.
There are four basic elements in market mix which is price, product, promotion and place.
Promotion referring to increase customer awareness of the brand, generating sales and creating
brand loyalty. For our Stevia Fruity product, the promotion that being offered are through a
contest, coupon and points of purchase. Table 5.3 shows the budget for the advertisement and
promotion

Table 8: Budget for advertisement and promotion.

Marketing Cost per Monthly (RM) Cost per Yearly (RM)

Fairs and promotion events 300 3600
Promotional gifts 600 7200
Brochure Print 100 1200
Total 1000 12000

To promote our product, an attractive design packaging is a needed. Color plays an important
role to attract customer to buy the product. For our case, we had used different color according
to types of fruit used for the Stevia Fruity.

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5.4 Training Policies

The purpose of training is to equip people with the necessary skills, knowledge and attitudes to
meet the organizations needs in relation to its objectives. In order to cover the numbers of
trainees and existing staff, the training and development program had been implemented.
Depends on the job requirement, training and development programs had been designed.
Trainees selection also facilitates by job analysis. The internal training department is actually
had been more focused to improve the skill such as communication skills and others skills that
needed by our company.Flowchart shows the training and development process.

Training
evaluation

Training
Implementation Business Plan

Training plan Training and

strategy
policies

Training need
analysis

5.4.1 Competence required for Customer Service (CSM)

There are many types of competencies requires in implementation of customer service. The core
competencies is about dealing with people. In order to able in deal with people, the person
should have:

i. The ability to develop and communicate goals in support businesss mission

ii. The ability to enhance others commitment to their work.
iii. Fostering teamwork by getting work together as a group.
iv. Have a good written communication by having ability to express themselves clearly
in business writing.
v. The ability to develop, maintain and strengthen partnership with other organization
that can provide information, assistance and support.

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6.0 MANAGEMENT
6.1 Description
In management team, we as partnership has responsibility to make sure our product getting
funds and customer loyalty with our good services and quality.

Wan Norfety Azuwa Binti Wan Ahmad, CEO

Wan has over five years experience in the business. She served 3 years as an owner of a hijab
business on social media. After that she was opened small business, Boutique of Wans in
Bandar Hilir, Melaka. She has an undergraduate degree and master in business from UPM .

Fateihah bt Ab Rahman, Operating Manager

Fateihah was a teacher in Agriculture subject at secondary school. She worked for 3 years
before got in this business. Her experience as a teacher helps this workers to operating of this
business run and to make sure an organisation is running as well as its possibly can with a
smooth efficient services that meets the expectations and needs of customers and clients.

Norjannahtul Ainah Binti Norashid, Administrative Manager

Norjannahtul has responsibility to supports operations by supervising staff; planning,

organizing, and implementing administrative systems. She also need to maintains
administrative staff by recruiting, selecting, orienting and training employees of this company
since she has experience as Manager at Petronas for 4 years to maintaining a safe and secure
work environment. She has under graduated in degree of Electronic Engineering from
UniMAP and master in Management from UKM, Kuala Lumpur.

Nabilah Binti Ab Halim, Marketing Manager

Nabilah had experience works as marketing manager at Lararana Corporation Berhad for 4
years. Since, she had over four years experience, she knows how to managing all marketing
for the company and activities within the marketing department. She also co-ordinating
marketing campaigns of this product with sales activities in every month. Overall of the
responsibility for brand management and corporate identity of this company depends on her.

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Nabiha Binti Muhmad Nur, Financial Manager

Nabiha was worked as Accountant at Lararana Corporation Berhad in 3 years. Since she was
worked at same company with our marketing manager, so Nabila knows her capabilities to
manage our companys financial. She needs to collecting, preparing and interpreting reports,
budgets, accounts, commentaries and financial statements of this company. She must
producing long-term business plan to Stevia Fruity for make sure that this product will always
being number one choice.

6.2 Owner

For a new small business, there are three types of business form structures which is Sole
Proprietorship, partnership and Private Corporation. For our Stevia Fruity business, the
form of business ownership used is partnership. Partnership is a form of business that
involved two or more people in the organization. This is where partner will share and
gather money together, skills and other resources, sharing profit and loss of company
together according to term of partnership agreement. So, for our company, the partnership
is between Fateh and her other siblings. So, the share of profit and loss also will share
between the siblings which is Fety, Fateihah, Jannah, Nabilah and Nabiha. However, only
Fateh have full and unlimited liability on the investment that made by the company while
other partner have limited liability. By using this form of business, of course it have their
own advantage and disadvantages. The advantages are ease or organization since the
partner is among the family members. For the disadvantage, it have limited lifespan
which means the partnership contract is end when the partner dies or withdraw. The next
disadvantage is all money has to be shared and distributed to partners.

24
6.3 Board of Directors

1) CEO/ Founder

Name Wan Norfety Azuwa bt Wan Ahmad

Permanent No 9, Jalan 1/9a. Taman Bbu. Ayer Keroh, Melaka

Address
Mobile No 0145681124

Date of Birth 07Novermber 1991

Age 28 years

Status Engaged

Education 1. Degree in Business(UPM)

2. Master in Business Study(UPM)

Expertise Proficient in business

Experience - Have a hijab business on social media

- Have done a small business at university

Present CEO
Occupation

25
 2) Operations Manager

Name Fateihah bt Ab Rahman

Permanent Address No 9, Jalan 1/9a. Taman Bbu. Ayer Keroh, Melaka.

Mobile No 0123485426

Date of Birth 04 July 1991

Age 26 years

Status Single

Education 1. Degree in Agriculture (UPM))

2. Master in Agriculture (UPM)
Expertise Proficient in Agriculture

Experience - She was a teacher in Agriculture subject at secondary

school
- Teach a housewives the correct way to plant

Present occupation Operational Manager

 3) MarketingManager

Name Nabilah bt Ab Halim

Permanent Address No 9, Jalan 1/9a. Taman Bbu. Ayer Keroh, Melaka.

Mobile No 0165598456

Date of Birth 25August 1991

Age 26 years

Status Single

Education 3. Degree in Mechanical Engineering (UTM)

4. Master in Mechanical Engineering (UTM)

Expertise - Proficient in Mechanical Engineering

Experience - Works as marketing manager at

Lararana Corporation Berhad for 4

years
Present occupation Marketing Manager
 4) Administrative Manager

Name Norjannahtul Ainah bt Norashid

Permanent Address No 9, Jalan 1/9a. Taman Bbu. Ayer Keroh, Melaka.

Mobile No 0156948350

Date of Birth 26 July 1990

Age 27 years

Status Single

Education 1. Degree in Electronic Engineering(UniMAP)

2. Master in Management(UKM)

Expertise
- Proficient in Electronic Engineering and Management

Experience Manager at Petronas for 4 years

Present occupation Administrative Manager

 5) FinancialManager

Name Nabiha bt Mohmad Nur

Permanent Address No 9, Jalan 1/9a. Taman Bbu. Ayer Keroh, Melaka.

Mobile No 0122939029

Date of Birth 06June 1991

Age 26 years

Status Single

Education 1. Bachelor of Accounting atUM

2. Master in Accountancy (UM)
Expertise - Proficient in Accountancy

Experience Accountant at Lararana Corporation Berhad (3 years )

Present occupation Financial Manager

7..0 FINANCIAL PLAN
7.1 Information

Cost Variable
Variable Quantity Cost (RM)
Bottle 1 unit 0.5
Fruits 200 gram 4
Water 200 ml 0.5
Stevia 400 ml 5
TOTAL 10

Salary
Operations 10 800 96000
TOTAL 96,000

Marketing
Cost/month
Marketing (RM) Cost/ year (RM)
Fairs and promotion events 300 3600
Promotional gifts 600 7200
Brochure print 100 1200
TOTAL 1,000 12000

Materials
Cost/month
Materials (RM) Cost/year (RM)
Fruits 1000 12000
Bottle 1000 12000
Water 1000 12000
TOTAL 3000 36000

Bills
Cost/month
Bills (RM) Cost/ year (RM)
Water bills 5,000
Electric Bills 3,000
 TOTAL 8,000

Overhead Costs
Cost/month
Overhead Costs (RM) Cost/ year (RM)
Rent 1500 18000
Office supply 200 2400
TOTAL 1700 20400

7.2 Financial Strategy

Buy Cost (RM) Sources

Equipment 3,000 BANK LOAN
Machinery
Extracting Machine 5,000 BANK LOAN
Packaging Machine 5,000 BANK LOAN
Materials 3,000 BANK LOAN
TOTAL 16,000

Expences Cost (RM) Sources

Salary 96,000 OWN MONEY
Marketing 12,000 OWN MONEY
Water Bills 5,000 OWN MONEY
Electric Bills 3,000 OWN MONEY
Rent 18,000 OWN MONEY
Office supply 2,400 OWN MONEY
TOTAL 136,400

From the above table of financial strategy, our company has planned to get a bank loan for start
the business. The total of bank loan is about RM 16,000. The bank loan of for the company is to
buy the machine which is cost RM5,000 each and the company need at least two machine. Other
than that, the bank loan is also for the materials. The materials are included for the bottle, fruits
and many more.

As we can see, the owner used their own money for the starter of the business. The money is for
the expenses that the company needed every month. The expenses include the salary of the
employee, marketing, bills, rent and the office supply. Less expense were used because we plant
the stevia leaves by ourselves and we only need the machine to extract the leaves.
 7.3 Cash Flow

YEAR
JAN FEB MARCH APR MAY JUNE JULY AUG SEP OCT NOV DEC 1

CASH FROM
OPERATIONS
Sales revenue 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 480,000
Salary 8,000 8,000 8,000 8,000 8,000 8,000 8,000 8,000 8,000 8,000 8,000 8,000 96,000
Marketing 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 24,000
Overhead 1,700 1,700 1,700 1,700 1,700 1,700 1,700 1,700 1,700 1,700 1,700 1,700 20,400
Bills 8,000
Subtotal cash from
operations 29,300 29,300 29,300 29,300 29,300 29,300 29,300 29,300 29,300 29,300 29,300 29,300 331,600

CASH FROM
INVESTMENT
Materials 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 36,000
Subtotal cash from
investment 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 36,000

CASH FROM FINANCE

Investors
Bank loan 2000 2000 2000 2000 2000 2000 2000 2000 2000 2000 2000 2000 2000
Founders - - - - - - - - - - - - -
Interest 20% 20% 20% 20% 20% 20% 20% 20% 20% 20% 20% 20% -
Subtotal cash from finance 200 200 200 200 200 200 200 200 200 200 200 200 2400

Net change in cash 3200 3200 3000 3000 3000 3000 3000 3000 3000 3000 3000 3000 36400
Cash at beginning of
period 3000 14600 21400 28200 35000 41800 48600 55400 62200 69000 75800
Net cash flow 3200 6200 17600 24400 31200 38000 44800 51600 58400 65200 72000 78800 36400
7.4 Income Statement

Statement of Comprehensive Income For The Year Ended RM RM

Sales (30,000unitsxRM16) 480,000
less Cost of Sales:
Opening -
Production (2500x12) 300000
Closing 0
300000
Gross Profit 180,000

Less Expenses:
Salary 96,000
Marketing 12,000
Water Bills 5,000
Electric Bills 3,000
Rent 18,000
Office supply 2,400
Loan (10%) 200

136,600

Net Profit
43,400
7.5 Balance Sheet

Statement of Financial Position For The Year Ended RM RM RM

Assets
Non-current Assets: 0
Property
Equipment 3000
machinery 10,000
Total Non-Current Assets 13,000

Current Assets
Cash and cash equivalents 43,400
inventory 0
trade receivables 0
43,400
Total Assets 56,400

Liabilities
Non-current Liabilities 2000
Current Liabilities 0
-2000
Net Asset 54,400

Equity
Owner equity 11,000
Retained Earnings 43400
54,400
 7.6 Risk

From the figure above it is show if the risks are occurred to the company. The risks must be
emphasize in order to our company ready to face the risk. From the figure, it shows that if the
sales drop our company will increase the production of the Fruity Stevia from 30,000 a year to
50,000 per year. If the production are not able to sales all the Fruity Stevia, the balance will be in
the inventory and it will decrease the expenses for the next year. Other than that, if the sales still
drop and the company will get the bank loan. The company get only RM2,000 every month from
the bank loan. Thus, when the risk occur the company need RM 5,000 bank loan every month in
order to pay all the bills, salary, materials supplier and many more. Lastly, the company need to
improvise the marketing strategy to increase the sales every month.
8.0 CONCLUSION

Our Fruity Stivia gave a lot of benefits to the customer as they buy our product. In the
other hand, our product served a healthy drink that comes with a delicious flavor. Our product
are most suitable for all stage of ages. This is because the amount of sugar is less consuming and
also has been approved by the Ministry Health of Malaysia (JKM) and Jabatan Agama Islam
Malaysia.

With the various of flavors, our product tend to gain more gross profit that exceed the
total investments needed on every month. With all the marketing strategy, financial plan,
experiences and many more our product ready to further the business to the next stage.

As from the financial plan, it shows the details of the financial planning on every month
for the company. The company only produced 30,000 bottles of Fruity Stivia in order to maintain
the quality of the product. Other than that, in order to give the best facilities to the workers, our
company also provide a budget for the facilities as shown in the table. More than that, the
company also maintaining the machine quality production to produce a good quality of product
and smooth production plan.

As the conclusion, in order to maintain the profit of the company, the marketing strategy
need to be improvise every year so that the customers will not getting bored of the same old
product. Other than that, the quality of the product also need to be maintain by keep all the
machine, production, workers, environment in a good hand. Lastly, the business need to be wider
by export the products to the worldwide in order to increase the profit.