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Financial Analysis

AFTERSCHO☺OL – DEVELOPING CHANGE


MAKERS
CENTRE FOR SOCIAL ENTREPRENEURSHIP
PGPSE PROGRAMME –
World’ Most Comprehensive programme in social
entrepreneurship & spiritual entrepreneurship
OPEN FOR ALL FREE FOR ALL

www.afterschoool.tk AFTERSCHO☺OL MATERIAL FOR PGPSE PARTICIPANTS


Financial Analysis
Dr. T.K. Jain.
AFTERSCHO☺OL
Centre for social entrepreneurship
Bikaner
M: 9414430763
tkjainbkn@yahoo.co.in
www.afterschool.tk
www.afterschoool.tk

www.afterschoool.tk AFTERSCHO☺OL MATERIAL FOR PGPSE PARTICIPANTS


My assets are as under: Debtors : 20
lakh, Stock : 30 lakhs, Cash : 10
Lakhs, B.R. : 40 Lakh. I have 40
lakhs of current liabilities including
creditors, etc. What is my MPBF?

 MPBF = maximum permissible bank financing for


working capital.
 Total Current Asset = 100 Lakh
 Total Current liability = 40 lakh
 Working capital Gap = 60 lakh
 From long term sources = 25% of 60 = 15 lakhs.
 MPBF = 60 – 15 = 45 Lakhs answer.

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I don’t have a systematic record of
my assets and liability. But I know
that my annual sales are Rs. 2 lakhs.
What is my MPBF?
 Since I don’t have a systematic record,
Bank will take 20% of sales as MPBF
and will give working capital loan of Rs.
40,000 to me.

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My assets are as under: Debtors : 20
lakh, Stock : 30 lakhs, Cash : 10
Lakhs, B.R. : 40 Lakh. I have 40
lakhs of current liabilities including
creditors, etc. what types of loans
should I take from bank and how?
 As we can see that my MPBF is 45 Lakhs, so I
should take Cash Credit Loan of Rs. 45 Lakhs
(CC account). My total current assets are 100
lakhs,of this I am taking 45 Lakhs as CC, 40 lakhs
as C.L. and 15 lakhs as WCTL (working capital
term loan) / my capital (preferred) . Answer.

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I want to buy a new machine of Rs.
3.6 lakhs. Life = 5 years. Annual
profit after depreciation = 68000 Tax
rate 40%. my discount rate is now
12%, but due to inflation, it will
increase by 1% every year. Should I
buy the machine?

 Dep. = 3.6/5 = 72000 p.a.


 Cash inflow: 68000 – 27200+72000

 =112800. Now I have to get its present


value. Total PV is 383369. thus I should
invest in the project.
www.afterschoool.tk AFTERSCHO☺OL MATERIAL FOR PGPSE PARTICIPANTS
ABO UT A FTERSCH OOO L
Afterschoool conducts three year integrated PGPSE (after
class 12th along with IAS / CA / CS) and 18 month PGPSE
(Post Graduate Programme in Social Entrepreneurship)
along with preparation for CS / CFP / CFA /CMA / FRM. This
course is also available online also. It also conducts
workshops on social entrepreneurship in schools and
colleges all over India – start social entrepreneurship club in
your institution today with the help from afterschoool and help
us in developing society.

www.afterschoool.tk AFTERSCHO☺OL MATERIAL FOR PGPSE PARTICIPANTS


Why such a programme?
 To promote people to take up entrepreneurship
and help develop the society
 To enable people to take up franchising and
other such options to start a business / social
development project
 To enable people to take up social
development as their mission
 To enable people to promote spirituality and
positive thinking in the world

www.afterschoool.tk AFTERSCHO☺OL MATERIAL FOR PGPSE PARTICIPANTS


Who are our supporters?
 Afterschoolians, our past beneficiaries,
entrepreneurs and social entrepreneurs
are supporting us.
 You can also support us – not
necessarily by money – but by being
promotor of our concept and our ideas.

www.afterschoool.tk AFTERSCHO☺OL MATERIAL FOR PGPSE PARTICIPANTS


About AFTERSCHOOOL PGPSE – the best
programme for developing great entrepreneurs

 Most flexible, adaptive but rigorous programme


 Available in distance learning mode
 Case study focused- latest cases
 Industry oriented practical curriculum
 Designed to make you entrepreneurs – not just
an employee
 Option to take up part time job – so earn while
you learn
 The only absolutely free course on internet
www.afterschoool.tk AFTERSCHO☺OL MATERIAL FOR PGPSE PARTICIPANTS
Workshops from
AFTERSCHOOOL
 IIF, Delhi
 CIPS, Jaipur
 ICSI Hyderabad Branch
 Gyan Vihar, Jaipur
 Apex Institute of Management, Jaipur
 Aravali Institute of Management, Jodhpur
 Xavier Institute of Management,
Bhubaneshwar
 Pacific Institute, Udaipur
 Engineering College, Hyderabad

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Flexible Specialisations:
 Spiritualising business and society
 Rural development and transformation
 HRD and Education, Social Development
 NGO and voluntary work
 Investment analysis,microfinance and inclusion
 Retail sector, BPO, KPO
 Accounting & Information system (with CA / CS /CMA)
 Hospital management and Health care
 Hospitality sector and culture and heritage
 Other sectors of high growth, high technology and social
relevance

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Salient features:
 The only programme of its kind (in the whole world)
 No publicity and low profile course
 For those who want to achieve success in life – not just a
degree
 Indepth knowledge and expertise
 Professional approac: World class approach
 Strong intellectual and business capabilities
 Flexible – you may stay for a month and continue the rest of
the education by distance mode. / you may attend weekend
classes
 Scholarships for those from poor economic background
 Latest and constantly changing curriculum – keeping pace
with the time
 Placement for those who are interested
 Admissions open throughout the year
 Latest and most advanced technologies, books and study
www.afterschoool.tk AFTERSCHO☺OL MATERIAL FOR PGPSE PARTICIPANTS
material
Components
 Pedagogy curriculum and approach based on IIM Ahmedabad and ISB
Hyderabad (the founder is alumnus from IIMA & ISB Hyderabad)
 Meditation, spiritualisation, and self development
 Essential softwares for business
 Business plan, Research projects
 Participation in conferences / seminars
 Workshops on leadership, team building etc.
 Written submissions of research projects/articles / papers
 Interview of entrepreneurs, writing biographies of entrepreneurs
 Editing of journals / newsletters
 Consultancy / research projects
 Assignments, communication skill workshops
 Participation in conferences and seminars
 Group discussions, mock interviews, self development diaryng
 Mind Power Training & writing workshop (by Dr. T.K.Jain)

www.afterschoool.tk AFTERSCHO☺OL MATERIAL FOR PGPSE PARTICIPANTS


Pedagogy
 Case analysis,
 Articles from Harvard Business Review
 Quiz, seminars, workshops, games,
 Visits to entrepreneurs and industrial visits
 Presentations, Latest audio-visuals
 Group discussions and group projects
 Periodic self assessment
 Mentoring and counselling
 Study exchange programme (with institutions out of India)
 Rural development / Social welfare projects

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Branches
 AFTERSCHOOOL will shortly open its
branches in important cities in India
including Delhi, Kota, Mumbai, Gurgaon
and other important cities.
Afterschooolians will be responsible for
managing and developing these
branches – and for promoting social
entrepreneurs.

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Case Studies
 We want to write case studies on social
entrepreneurs, first generation
entrepreneurs, ethical entrepreneurs.
Please help us in this process. Help us
to be in touch with entrepreneurs, so that
we may develop entrepreneurs.

www.afterschoool.tk AFTERSCHO☺OL MATERIAL FOR PGPSE PARTICIPANTS


Basic values at afterschoool
 Share to learn more
 Interact to develop yourself
 Fear is your worst enemy
 Make mistakes to learn
 Study & discuss in a group
 Criticism is the healthy route to mutual support
and help
 Ask fundamental questions : why, when, how
& where?
 Embrace change – and compete with yourself
only
www.afterschoool.tk AFTERSCHO☺OL MATERIAL FOR PGPSE PARTICIPANTS
www.afterschoool.tk
social entrepreneurship for better
society

www.afterschoool.tk AFTERSCHO☺OL MATERIAL FOR PGPSE PARTICIPANTS