Business Plan

Faisal Shakeel 10108 Imran Siddique 10149 Ali Sikandar 10144

Waqas Dastgeer 10134 Samuel Stephen 10263 Abdul Manan 10104

lahorebizz.pk
A change in buying behavior
*

12
Submitted To: Sir. Ahmad Fareed

Table of Contents
Executive Summary:...................................................................................................................................... 3 Introduction: ................................................................................................................................................. 4 Business Name and Address: ........................................................................................................................ 4 Proprietors Name and Address:................................................................................................................... 5 Vision:............................................................................................................................................................ 5 Mission: ......................................................................................................................................................... 5 Marketing Mix: .............................................................................................................................................. 5 Product:......................................................................................................................................................... 5 Main Catalog: ................................................................................................................................................ 6 Business Webpage: ....................................................................................................................................... 6 Advantages:................................................................................................................................................... 6 Price: ............................................................................................................................................................. 7 Penetrating Pricing strategy: ........................................................................................................................ 7 Place: ............................................................................................................................................................. 7 Discussion/Reason of Choosing Lahore Area (positives and negatives):...................................................... 7 Promotion: .................................................................................................................................................... 9 People: ........................................................................................................................................................ 11 Product Life Cycle:....................................................................................................................................... 12 PESTLE Analysis: .......................................................................................................................................... 13 Competitor Analysis: ................................................................................................................................... 15 Self Analysis: ............................................................................................................................................... 16 Financial Analysis: ....................................................................................................................................... 16 Questionnaire: ............................................................................................................................................ 20 Results: ........................................................................................................................................................ 21 References: ................................................................................................................................................. 22

Executive Summary:
In this report we have discussed our business plan with reference of entrepreneurship. The business plan is made on the basis of new ideas which differentiate us from others. It is tried to implement practical scenario and see the plan from such point of view. Positives and negative of plan are also discussed in this report with the objectives of learning while investigating and solving these problems through research solutions.

Introduction:
We are introducing a website name as lahorebizz.pk. lahorebizz.pk is an online market place specifically created for the area of Lahore where all the information regarding every business (operating in Lahore) would be listed, shared and promoted through this medium. The website will uniquely represent each and every business of Lahore by having an area and product categorization which will make user to feel friendly while interacting with the website. Customers can start searching and visiting the area which is near to them and look at the product they want to purchase or inquire about. The concept of this website is to provide ease to the ultimate buyers and sellers as well by offering various value additions provided at only one platform. The concept of this challenging website is to revolutionize the buying pattern/trend of people by providing multiple benefits at one station. For sellers there is a significant opportunity to increase their sales if they get registered at our website. The promotion of their company/brand is the responsibility of lahorebizz.pk. There is a huge gap in the market in this field as there are minimum numbers of businesses who has their own website or they are registered at any other website. We are providing a huge platform where not only the big brands would be promoted but also the low enterprises would be hugely entertained and served with equal quality and distribution of rights. There is a sublime opportunity for the businesses to register themselves and get promoted, especially for such businesses that do not have any website because we are creating a separated webpage linked with our parent site for all businesses where they can promote themselves in the way the want. They can make changes at their own webpage or ask our customer support to do changes on their behalf. At the main page there will be continuous news feeds running for keeping the visitors up to date regarding new promotions and changes. The most viewed product or business would also be mentioned at the end of the main page.

Business Name and Address:

Business name is lahorebizz.pk. For the first 6 months our business physicality will be a bit scattered as we are not willing to have our own office in the beginning just because of reducing the cost as much as we can. We will outsource all of our working and divide them into different parts which will be explained further in the report.

Proprietors Name and Address:

There will be three business partners, named as: Faisal Shakeel (CEO) Ali Sikandar (Director) Samuel Stephen (CFO) Our total capital would be Rs. 25 Lac. Despite the fact we need the half of its amount but rest of the about will saved as a back up only in order to sustain business if it does not started well. The investment and profitability ratio is equally contributed and shared. On the formal papers the name and address would be Faisal Shakeel, 8 Shah Kamal Road, lhr.

Vision:
Best from the Rest

Mission:
Our Mission is to provide a happy, Competitive, Stimulating environment where consumers will recognize and achieve their fullest satisfaction, so that they can make their best contribution to Organization.

Marketing Mix:
Lahorebizz.pk marketing mix is based on 5ps which are product, price, place, promotion, and people. These marketing mix Ps are explained strategically below:

Product:
Lahorebizz.pk is a perfect platform for both the customers and the businessmen community where the customers can easily gain access to different products and services available at different locations in Lahore by just visiting this site at their respective places or homes. This may help the customers to decide and choose their desired products among various shops available on one single website. After selection they can visit their selected shop saving further

transportation costs. Owners of small and large scale businesses can display their various product categories and their affordable yet reasonable price lists on this website which would facilitate the customers as well as the shopkeepers. The site will consist of two main parts which will contain following features: 1. Main Catalog 2. Business Webpage

Main Catalog:
Tabs/section for employees, customers (blogs), feedback Option of complete customer support facilitations which will cover each and every aspect of website assistance to customers ambiguities, and sellers inquiries Option of online data uploading form for employees and registered businesses Option of online order booking and availability inquiry Log in IDs for employees and registered businesses Feedback form News Alerts Shopping Cart

Business Webpage:
Webpage will contain; Logo, Address, Name, Category range, Price range, Contact Number, Email Address, Description, and Specialized boxes.

Advantages:
Customers can easily have a quick glance at various products available in the market. Vast range of product categories is available. It would be helpful in decision making. This would result in reduced transportation costs and considerably less wastage of time. Shopkeepers can easily promote their product categories. Charges are very reasonable.

 A separate webpage will be available enabling customers to change their webpage as desired. Opportunity for sellers to increase their sales after getting registered because of increased popularity among customers. Shopkeepers can clearly define their value proposition through this website. There is huge opportunity for small scale businesses as well.

Price:
We will Charge Rs 100 per month to every business/shop for registering them at our website. It will not only include registration charges but charges of making and maintaining their WebPages will also be included in this Rs. 100.

Penetrating Pricing strategy:

The penetrating pricing strategy will be used in the early years in order to attract maximum customer base and capture maximum market share. After attaining sustainable growth rate prices would be increased with increased features and facilities.

Place:
As our target market is Lahore we want to remain at the center of Lahore area. So after 6-12 months we will choose one of the areas where we would open our head office, until then our outsourced firm will be recognized as our office as well. After attaining sustainable growth in Lahore we will expand our business in other Metro cities of Pakistan by the names of their respective cities so that we could cater the needs of our customers efficiently as well as effectively by molding their buying patterns.

Discussion/Reason of Choosing Lahore Area (positives and negatives):

Punjab is regarded as the most important province of Pakistan due to its contribution in GDP and its population. In Punjab Lahore is main city as according to Wikipedia Lahore is the 30th largest city of world and has 11,000,000 number populations. So it is vital to start from Lahore and its affect would ultimately reflect on other cities as well.

According to the The Express Tribune, 2012, the current literacy rate of Pakistan is estimated to be 49.9%; considering the reading and writing being the criteria. Pakistan ranks 185th out of 204 countries in terms of our literate population. Literacy among female members of our nation is a dismal 36%. Pakistan has been spending roughly around 2% of the budget on education. During the years 2009, 2010 and 2011, educational expenditures have decreased significantly. Despite huge foreign funds and in-land revenue, the country remains in the low human development category; Pakistan ranks 145 out of 187 countries in Human Development Index, 2011. On the other hand if we look at the Lahore area we would come to know that Lahore is known as Pakistan's education capital, with more colleges and universities than any other city in the country, which is quite important to consider if you are going to start business related to information technology. Lahore is Pakistans largest producer of professionals in the fields of science, technology, IT, engineering, medicine, nuclear sciences, pharmacology, telecommunication, biotechnology and microelectronics. The current literacy rate of Lahore is 74%, which is quite remarkable if you compare it to overall literacy rate of the country. Due to these reasons, it derives us to start the business from Lahore. According to World Bank, 2011 Population of Pakistan is 176,745,364 and according to Index Mundi, 2012 The value for Internet users in Pakistan was 29,128,970.00 as of 2010 and the value for Internet users (per 100 people) in Pakistan was 16.78 as of 2010 and by 2011 the usage has grown up to 31 million users or 17.6% of the total population. According to The Express Tribune, 2011 The country, which has seen a boom in its telecom sector and information technology services in recent years, recorded around 46.2% growth of subscribers and is placed fourth on the ranking list, which is near to 20 million mark Badar Khushnood, Country Consultant for Google in Pakistan said, Today 16.9 million people read print version of newspapers in a population of more than 180 million people. There is an increased trend of looking for information online. Last year, Pakistan imported some 300,000 Android based handsets which are of course internet enabled. These numbers are way too handsome as compared to famous Blackberry handsets which have mere 60,000 active users in Pakistan today. (More Magazine, 2012)

There is a cultural threat also which tends towards making the business difficult to run as according to Abbasi A, 2012 The minister of finance of the present regime himself confirmed corruption in FBR of over Rs500 billon per year, which makes the total Rs2,000 billion; Auditor General of Pakistan pointed out Rs315 billion corruption in 2010; Public Accounts Committee recovered Rs115 billion in 30 months till 2011; circular debt is Rs190 million; KESC was given Rs55 billion illegal benefits per annum since 2008; state-owned enterprises like PSO, PIA, Pakistan Steel, Railways, SSGC, SNGC are eating away Rs150-300 billion per annum; tax to GDP ratio in 2008 was 11%, which in 2011 has reduced to 9.1% instead of being increased.

Promotion:
Free of cost services will be provided for the first year only for the sake of promotion. Later on coupons will be made available online through which they customers would be able to have different types of discounts after having these coupons and coupons will sell exclusively online. On the each coupon availability inquiry our customer service representative will provide the coupon at their door step. The rates for coupons will be somewhat like that (depending upon that years inflation rate): 1. Silver (Rs. 250) 1 Year Validity 2. Platinum (Rs. 500) 1 Year Validity 3. Gold (Rs. 1000) 1 Year Validity The difference between these Coupons will be the number of highly valued brands/businesses on the list against each coupon type. Following mediums would be used for the promotion of this website: a) Salesman b) Social Networking Websites c) Affiliate marketing d) Pamphlets e) Posters f) Advertising on the back of vehicle g) Promotion through display advertisement

a) Salesmen: Salesmen will visit markets and various shops in Lahore in order to make the businessmen community aware of this opportunity through which they will be able to communicate and promote their product offerings to their targeted customers with the help of a Webpage. They will be having printed form of our website through which they visualize customers at the spot and make their chances of sales stronger. b) Social Networking websites: Social networking websites like facebook, twitter, Myspace would be used for the promotion. Before launching our website officially we will be doing absent marketing such as blogging and mentioning our website name at different social networking website and communities. We can use our website name and use Coming Soon, to make people think what is going to launch. c) Affiliate Marketing: Ads will be placed on various websites in order to attract customers. There are multiple free and paid add posting sites where can promote our website. In the beginning for more than 6 months we will do free add posting because again our objective is to make the business hit through the expenditure of minimum money. Other than that, for the purpose of promotion we will give link of our site on other ecommerce websites so that a large amount business related people can get information about our website. d) Pamphlets: Pamphlets will be distributed in different locations. e) Posters: Posters will be used. On which detail of the website and contact no. of the salesmen etc will be placed so, that sellers could contact and communicate with them. f) Advertisement on Back of Vehicle: Now a days this what we call mobile marketing we paste some flexes on the back of rickshaws or cars

g) Promotion through Display Advertising: For this type of promotion we use media ads as well as search engine optimization (SEO) choose the RIGHT keyword by using tools to check popularity of keyword searches. In this segment of promotion we will spend more money as compared to other promotional tools because this is the back bone of making more visitors at your website.

People:
People are the fifth P in our marketing mix strategy. We value people highly because it can be make or break if we could not manage them properly. Due to such reason we prefer already established professionals; it reduces risk factor and cost as well. In our marketing strategy we will outsource all of our human resource which is divided into two parts; one is sales and marketing team and other one is our technical team. It is important to notice that due financial limitation we will be having ten sale people in the first month and the number of sales persons will increase according to the profit ratio which we will make. It is the objective of organization to grow fast by reinvesting the handsome chunk of amount back at our employees because in this business type and structure human resource is our backbone. The technical department will consist of only three employees which will be hired from a freelancing firm named as Intelliject Solutions. These three members of technical department would be enough to handle the technical matters of this business type. Their primary responsibility will include customer support services to the businesses/shops, managing the WebPages, doing search engine optimization and making other technical changes in the website. The responsibility of sale or marketing department will only be generating sales by visiting different shops and implementing other offline marketing strategy discussed in the promotion sector. For the motivation of employees of sales team there is a proper plan and layout of providing benefits in the shape of compensation and bonuses. For each employee there is a fixed target of meeting two hundred sales and on exceeding this number of target there would be a more ratio of commission on each sale as compare to the ratio they would be getting on sale of fix target and on sustaining each shop of previous sale in the next month there is a fixed amount of Rs. 10 per sale.

After researching different outsourcing firms we have found few companies that meet criteria are Lalburj Company (Situated at: 12s phase 2 commercial DHA, Lhr), Pakistan Marketing Services (DHA, Lhr), National Marketing Services (DHA Y block opposite to KFC, Lhr), and Hooked Technologies (Link Road, Lhr). Lalburj Company is suites us the most because it is way much economical as compared to others. They are demanding Rs. 8000 per head which will include petrol charges and meeting the sales target would be their responsibility. But we are assuming per head cost as Rs. 12,000 because we cannot compromise on quality and we need quality salesmen who can initiate our project at good level.

Product Life Cycle:

There are four stages in product life cycle which are explained according to our product below: 1. Market Introduction Stage: In the introduction stage our cost will be high and sales volume would be slow as we will try to penetrate into the market by taking little steps. We will be making sales by communicating and taking 6 months promotion time from each sale which we are making. There will be little competition as would not be directly competing with other potential competitors in the start and it is the possibility that we make no profit in first 6 months and make little profit over the first year. 2. Growth Stage: In the growth stage our cost will be increase because we will be having our own office in the second year, but with that our sales would also be increased over such period of time. Profitability rate can be decrease for the short period of time but overall the profitability ratio would sustain in this stage of the product life cycle. 3. Maturity Stage: In the maturity stage our organization would be generating maximum profits as it would be more than 3 years in the market. Due to increase in sales volume there is a high possibility of decreasing the basic monthly charges but introduce other charges including news alerts charges,

front page logo display charges, and other charges depends upon the current market trend. As we have other indirect competitors which include Amazon, ebay, Olx and lahoresnob, they will also mold their strategy in this particular area, so in such circumstances there would be the need of brand differentiation and feature diversification to maintain or increase the market share. At this stage we will introduce online shopping and cart option. 4. Saturation and Decline Stage: Every business that has its peak has its decline too. To avoid decline stage there is need of something new to maintain our brand level. In this situation we will introduce coupons as discussed above and try to interact with ultimate buyers which will open the door of two way profit making and gain customer interest too. Other than that more promotional strategies will be introduce client related programs such campaigning and other value addition programs to the customer end. We might introduce option for customers to resell their product on separate blog which will contain all information titles regarding product, contact, and option of inserting their current picture as well. We will introduce the option of online selling and buying in this stage.

PESTLE Analysis:
Factors are discussed in perspective of Pakistan and how it affects our business.

Area Being Reviewed

Factors:

Is factor positive or negative?

Intellectual Property

P P P P N N N N N N

Political

Legal Validity of Transactions Taxation Issues Policies & Regulations Cost Justification Internet Access

Economical

Telecommunication Infrastructure Skill Storage Performance Measurement

Privacy/Security Trust Cultural Diversity Absence of Touch Feel Social Responsibility Government Regulations

N N N N P N N P P N

Social

Deregulations Shrinking Budgets Subsidies Ethics Literacy

Security Reliability Bandwidth

P P P P P N N

Technological

Integration Innovations Obsolescence Electronic Commerce

Global Competitiveness

N N N

Environmental

Changing Workforce Powerful Consumers

Must Patent Rights Non Violation of ethical value

P P P P

Legislative

Registered name of the business Intellectual Property Rights

Competitor Analysis:
We have four indirect competitors because our business plan, target market and working are quite different from them. They are names as Amazon, ebay, Olx, and lahoresnob. Amazon is one of the largest online business holders as according to the Wikipedia and Scribd, they have 34.54 billion market capitalization and 69,100 employees with having US$48.07 billion of revenue. The size of Amazon can be judged by knowing that they bought Internet Movie in 1998, CDNow in 2001 and Shopbop in 2006. On the other hand Ebay is also one of the largest online business companies with 27,770 employees. They have capitalized 19.01 billion market with US$11.651 billion. The have bought Paypal in 2002 and Skype in 2005. According to Saurav 2010, Olx daily income in India through classified ads is $1300 which shows their importance when you talk about online businesses and Olx again is world wide spread. Lahoresnob is local company based on online business they are kind of our direct competitors because they also cater Lahore area by covering 35 top product categories, but they are not providing WebPages to businesses and neither they has categorized themselves into area wise. Name Amazon Strengths Brand Name, Financial and Human Resources, World wide access, strong content Ebay Brand Name, Financial and Human Resources, World wide access, buying and selling, strong content Olx Brand Name, Financial and Human Resources, World wide access, buying and selling, strong content Market experience, quality Lahoresnob website Weaknesses Not particular area focused, not buying and selling, No Separate WebPages option Not particular area focused, less social interaction and customer service programs, Not focusing on businesses Not particular area focused, less social interaction and customer service programs, Not focusing on businesses No online buying and selling option, Not providing WebPages, Do not have much Customer Support

program for both end, global competitiveness

Self Analysis:
Strengths Professional Team New Idea Extra assistance to both end clients Customized services Ever updating Site Constant New Offers Determination Weaknesses Financial Constrains No Physical Existence in the start Strong brand names in market Starting from less salesmen Require 3 years to pick the peak Global Competitiveness

Financial Analysis: 2nd 1st Month

No of Salesmen No of Technical support employees Salary per technical support employee (Rs) Salary per salesman (Rs) Sales target per salesman Per sale rate (Rs) Salary Expenses (Rs) Total Number of Projected Sales Total Revenue from Sales (Rs) 5000 12,000 200 100 255000 4000 400000 145000 1200 5000 12,000 200 100 495000 8000 800000 305000 1200 5000 12,000 200 100 975000 16000 1600000 625000 1200 5000 12,000 200 100 1935000 32000 3200000 1265000 1200 5000 12,000 200 100 3855000 64000 6400000 2545000 1200 20 3

3rd Month
80 3

4th Month
160 3

5th Month
320 3

Month
40 3

Gross Income (Rs)

Transportation Daily Cost (Rs)

Transportation Expense (Rs) Website Expense (Rs) Per Brochure Cost (Rs) Total Brochure Brochures Expense (Rs) Per Poster Cost (Rs) Total Number of Posters Posters Expense (Rs) Number of Printouts Required Per Print Cost (Rs) Website Printouts Expense (Rs) Domain Name Expense Per Year (Rs) Storage Capacity Per Year (Unlimited) (Rs) SEO Expense per month (Rs) Miscellaneous Expenses (Rs) Total Expenses Projected Retention of Previous Month Sale (%) Projected Revenue from Previous Month Sale (Rs)

26400 50000 50 5000 250000 100 5000 500000 50 80 4000 2000

26400

26400

26400

26400

50 5000 250000 100 5000 500000 50 80 4000

50 5000 250000 100 5000 500000 50 80 4000

50 5000 250000 100 5000 500000 50 80 4000

50 5000 250000 100 5000 500000 50 80 4000

5000 1500 10000 848900 1500 10000 791900 1500 10000 791900 1500 10000 791900 1500 10000 791900

80%

80%

80%

80%

320000

880000

1960000

4080000

Net Income (Before interest & tax) (Rs) 703900 -166900 713100 2433100 5833100

From 7th month to onwards we will not increase number of employees. If we continue to work according to this ratio then the net income of 12th month would be Rs. 36993100 and with in 1st year we will make before tax profit of Rs. 213700200.

1st Year
No of Marketing Employees No of Technical support employees Salary per technical support employee (Rs) Salary per salesman (Rs) Sales target per salesman Per sale rate (Rs) Salary Expenses (Rs) Total Number of Projected Sales Total Revenue from Sales (Rs) 700 3 5000 12,000 200 100 8415000 140000

2nd Year 3rd Year 4th Year 5th Year

700 10 8000 18,000 200 80 12680000 140000 700 10 8000 18,000 200 80 12680000 140000 11200000 -1480000 80000 50000 15000 5000 3000 4000 1200 26400 700 10 8000 18,000 200 80 12680000 140000 11200000 -1480000 80000 50000 15000 5000 3000 4000 1200 26400 700 10 8000 18,000 200 80 12680000 140000 11200000 -1480000 80000 50000 15000 5000 3000 4000 1200 26400

14000000 11200000 5585000 -1480000 80000 50000 15000 5000 3000 400000 1200 26400 1200 26400

Gross Income (Rs)

Office Rent (Rs) Electricity (Rs) Telephone (Rs) Repairs/Renewal (Rs) Stationery/postage (Rs) Materials (Rs) Transportation Daily Cost Admin (Rs) Transportation Expense (Rs) Website Expense (Rs) Per Brochure Cost (Rs) Total Brochure Brochures Expense (Rs) Per Poster Cost (Rs) Total Number of Posters Posters Expense Number of Printouts Required Per Print Cost Website Printouts Expense Domain Name Expense Per Year

50 5000 250000 100 5000 500000 50 80 4000

50 60000 3000000 100 60000 6000000 600 80 48000 2000

50 60000 3000000 100 60000 6000000 600 80 48000 2000

50 60000 3000000 100 60000 6000000 600 80 48000 2000

50 60000 3000000 100 60000 6000000 600 80 48000 2000

Storage Capacity Per Year (Unlimited) SEO Expense per month Miscellaneous Expenses Total Expenses 1500 10000 791900

5000 1500 10000 9249900 80% 11200000 74100

5000 1500 10000 9249900 80% 17360000 6630100

5000 1500 10000 9249900 80% 22680000 11950100

5000 1500 10000 9249900 80% 26880000 16150100

Projected Retention of Previous Month Sale (%) 80% Projected Revenue from Previous Month Sale 4080000 5833100

Net Income (Before interest & tax)

These are our yearly before interest and tax net incomes which exclude extra profits through ads and additional charges of customized value additions, plus coupons strategy is also not included which will make sales and profit 3 times of the current the amount we are generating (speaking pessimistically). We would not be having balance sheet as we do not have our own asset with no loan and other things required to make balance sheet. Our cash flow is quite simple and through these methods we can calculate our yearly profits. In second year our profits get too low because we will be having our own furniture and office which will increase expenses so much.

Questionnaire:

1. Do you use internet frequently Yes 35% No 65% 2. Internet help use to check or to do updates i price changes. Yes 30% No 70% 3. If anyone provides you services which help your business would you like to avail them? Yes 75% No 24% 4. Website is necessary for any kind of business. Yes 40% No 60% 5. If we provide you complete services of a website would you avail it? Yes 80% No 20% 6. In your point of view there must be a website which provides complete information about for shop. Yes 55% No 45% 7. There must be website like Lahorebizz.pk for your shop. Yes 35% No 65%

8. Do you think there are any benefits of giving online information of products? Yes 65% No 35%

9. Price lists of the products should be displayed on that website? Yes 95% No 5% 10. This website will help the shopkeepers in giving advertisement of their shops? Yes 90% No 10% 11. Website will help the shopkeepers to attract customers online? Yes 80% No 20% 12. This website will help the shopkeepers to get order from around LAHORE? Yes 52% No 48% 13. Would you like to subscribe for a website that has such above mentioned features in RS: 100. Yes 88% No 12%

Results:
Total 50 questionnaires were distributed to our respondents. This sample questionnaire shows the interest of shopkeepers in subscribing to the web site that provides them such facilities that help

them to increase their profits and a cheap way for advertisements and over all we got very much positive response.

References:
http://www.scribd.com/doc/16631468/ecommerce-industry-report http://www.the-it-crowd.co.uk/blog/read_2306/pest-analysis-for-your-ebusiness.html www.google.com.pk/publicdata http://www.indexmundi.com/facts/pakistan/internet-users http://en.wikipedia.org/wiki/Internet_in_Pakistan http://www.lahoresnob.com/listing_showcase.htm http://www.businessdirectory.pk/ http://www.smallbusinessbigworld.com/asia/pakistan/lahore/lahore.php http://www.lahoresnob.com/ramdan_restaurants_guide_sehri_iftar_lahore.htm http://blogs.tribune.com.pk/story/11777/education-must-not-be-ignored-in-the-next-budget/ http://merabheja.com/top-10-classified-website-in-india/

http://en.wikipedia.org/wiki/Education_in_Lahore
http://www.moremag.pk/2012/05/27/google-business-group-starts-in-lahore-with-focus-on-onlinebusiness/ http://www.thepakistanupdate.com/2012/02/