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Table of content

Title Chapter 1: Introduction 1.1. Background and Significance of the Project 1.2 Objectives 1.3 Gantt chart and Time frame of the study Chapter 2: Industry Profile 2.1 Nature of Industry Chapter 3: Market Feasibility Study 3.1 General Environment Analysis 3.2 Competition Analysis (3C Analysis) 3.3 STP analysis 3.4 Sale Forecast/ Profit Forecast 3.5 Conclusion Chapter 4: Investment Cost 4.1 Landscape 4.2 Location 4.3 Investment Cost 4.4 Depreciation Chapter 5: Production and Operations Analysis 5.1 Production Characteristics 5.2 Production / service process

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Title 5.3 Operating Cost Chapter 6: Administration Analysis 6.1 Employee in company 6.2 Employee Salary 6.3 Description Chapter 7: Financial Analysis 7.1 Income Statement 7.2 Balance Sheet Chapter 8: Risk Management 8.1 Income Statement (Decrease 5%) 8.2 Income Statement (Decrease 10%) 8.3Income Statement (Decrease 15%) 8.4 Cost Increase 5% 8.5 Cost Increase 10% 8.6 Cost Increase 15% Chapter 9: Summary

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Chapter 1

N T R O D U C T I O N

1. Background and Significance of the Project


1.1 History of Loans Business The history of loan is an interesting in Christian groups. Whose groups had strict rules about who could loan money and couldnt. In the history of loan money to people was compound interest. It is what makes a low interest loan for 600 Baht, but the debt payment duration is many years, the amounts that end up paying to the person the length of money will be far over 600 Baht because the interest adds up. Their payment period is so short and has to make all of their money up front. And this is also why mortgages can have such as low interest rates and their duration is very long.1 1.2 Background Bangkok is the capital city of Thailand. The most famous country in Thailand and over fourteen million people (22.2 percent) live in Bangkok. The city grew rapidly during the 1960s through the 1980s and now exerts a significant impact amongst Thailands politics, economics, education, building, media and modern society and so on. Many corporations are locating their regional headquarters in Bangkok. The city is now a major regional force in finance and business. It is an international hub for transport and health care and is emerging as a regional centre for the arts, fashion, entertainment and Business Company. Bangkok is light growth little urban planning and regulation. This place is despite an extensive expressway network together with an over reliance on private cars and crippling traffic congestion.2 Sky Light Cash loan business locates at Bang Khen of Bangkok, Thailand. Bang Khen is one of the 50 districts of Bangkok. Bang Khen received Moo 8 to 10 of Chorakhe Bua sub-district from Lat Phrao district. It near with Ying Charoen Market, Saphan Mai Market and also nearby shopping centre such as Big C, Central Plaza Ramindra, Foodland Ram Inthra branch, University, School and Anusawari.

http://alltypesoflighting.com/2011/04/the-history-of-loans/ http://www.bangkoktourist.com/theme_6/index.asp?lang=en

Our key capability which allows us to serve a broad cross section of industries, each with their own focus including infrastructure, light and heavy, agriculture and service industries. We offer a comprehensive relationship approach will base on in depth industry knowledge delivering a range of both short term and long term debt and investment solutions to meet your unique financing requirements. Whether you are a current lender, we can add value to your venture with our expertise, small customer base and proven capability. We determine, our lending business can success orchestrate syndicate loans for corporate customers in both Thai baht and foreign currency. To support our large customer base our domestic branch network reaches into every town and province in Thailand. Our lending business understands the needs of a growing business. We provide a range of loans with built in flexibility so that you can find a tailored solution that meets your business financial requirements. We will offer competitive interest rates and flexible repayment structure that can best way to support the development of your business. However your financing need should be, our lending business has a low cost answer that will suit your business. 1.2 Objectives Sky Light objective is to provide goods and services, dedicate to becoming our customers number one perfect loan business. Sky Light crash public loan company limited, we always strive to develop our organization and offer financial product initiatives excellent service. We construct towards to the excellence service. Our business provides all of our customers by loan. Sky Light offer our customer with create their path to successful. About financial innovation which provide advisory services and knowledge that goes beyond financial services to all customer segments. This innovation is intended to offer enhanced convenience to individual customers towards a leisurely life. The purpose of our business guaranteed loan program to improve and develop finance business or industry and economic of environmental. For Agriculture loan, this program provides to assist farmers in marketing their commodity crops.

1.3 Gantt chart and Time frame of the study

No. 1 2 3 4 5 6 7 8 9

Task Chapter1 : Introduction Chapter2 : Industry Profile Chapter3 : Market feasibility study Chapter4 : Investment cost Chapter5 : Production and Operations Analysis Chapter6 : Administration analysis Chapter7: Financial Analysis Chapter8: Risk Management Chapter9: Summary

30/10 6/11 13/11 20/11 27/11 11/12 18/12 8/1

15/1 22/1 29/1 5/2 12/2

Conclusion
In conclusion, the reason we choose this topic because loans business is easy to get the money to start the business. Therefore, many of people come to borrow the money from loans business. But to get the money from loans business we need to show our business background, regular installment on time, having a plan to open the business and meet the qualification that the company assigns. And the benefit of this project can be expert to calculate profits, expenses and find the way to get maximize profits. We invite to get to know us and to work with us with our resource for all of our employee benefit needs. And to know feasibility of the project study and analyze with real situation. So, loans business is a great introduce for people to start their business so that people dont need to worry for their future starting own business.

Chapter 2

N D U S T R Y P R O F I L E

2.1 Nature of Industry


2.1.1 Sky Light Industry profile (loans business) The first business loans possibly date back to ancient Greece. One of the most important services offered by Greek bankers was the lending of money to finance the carriage of freight by ships. They also lent money for mining, and construction of public buildings. Later, during the middle ages, the Jews fled for their lives to Italy, where they encountered grain farmers looking for money to help support their businesses. The Christians, who were the current settlers of Italy, were forbidden the sin of usury, or charging a fee for the use of money. Today, the word usury is used to describe placing unreasonable interest rates on borrowed money. Therefore, this opened the door for the newcomers, the Jews (who were merchants), to lend money to farmers. The term "merchant bank" derives from this origin and was one of the first banks that offered "business" loans to the grain farmer. 3 Nowadays we started open loans business name is SKY LIGHT cash loans. Our business gives your direct loans: it is often the best option for getting the loan you want. Direct loans are convenient, flexible and simple. A Direct loan is a loan by a lender to a customer without the use of a third party. This type of loan enables the lender to have greater discretion in the distribution of loans. Direct loans give you the simplicity of having one contact for concerns with your financial assistance. You are able to have access to your direct loan information on-line 24 hours a day, 7 days a week. You are given the flexibility to choose your repayment options and are able to change your schedule as your needs change.4 Sky Light Direct PLUS loan is a direct loan designed for parents without an adverse financial history who wish to borrow money for their dependent student. In order for a student to be dependent he or she may not be 24 years or older, a graduate or professional

student, someone with legal dependents, an orphan or a ward of the court. Parents of independent students are not eligible to apply for this type of loan.5

http://ezinearticles.com/?The-History-of-Business-Loans&id=77330 http://ezinearticles.com/?expert=John_Williams http://EzineArticles.com/82483 Personal clash advantage if youre short on cash and need payday loans we offer

several check advance services to fit your busy needs. Furthermore, all we require are you having an active checking account to receive your personal cash loan instantly. Applying Online for a Cash Advance Loan from Easy Advance is always easy. Please feel free to fill out our short Cash Advance form to begin your payday loan application. Upon completion a payday loans representative will contact you and issue you the cash advance the same day.6 2.1.2 The Situation of Loans Business Loans situation is able to offer customers same day loans. Loans situation can approve individuals needing a loan regardless of their financial history and the loan can be in their account after approval. Loan providers will work a credit rating check on individuals who are applying to receive an installment loan and the results of this check will often determine whether or not an individual is reasonable to receive loans. Loans situation understands that everyone deserves a second chance.7 While other loan providers that offer same day loans harm their customers with high interest rates and lump sum repayment requirements, Situation Loans is different. Lower interest rates wont be found anywhere else on the Internet and the repayment requirements are flexible. Situation Loans understands that lump sum repayments can be stressful, which is why the installment loan can be repaid in small, monthly payments over a set period of time. Most of people depend on installment loans to purchase items they otherwise would not have been able to afford. It is possible to get this loan on the same day as it is requested, at a rate that wont destruction a budget.8

http://directloans.blogspot.com/
http://online.wsj.com/article/PR-CO-20121214-907493.html http://online.wsj.com/article/PR-CO-20121214-907493.html

Loans situation is also an online installment loans provider that is able to offer loans for any and all situations for patron. Unlike other loan providers, Situation Loans is dedicated to providing their customers with loans that have a low interest rate, and that can be in their bank account as fast as possible. Connecting with trusted loan providers, Situation Loans is willing to help anyone who requires an installment loan. For more information, see following link.9 2.1.3 Service of Loans Business Sky Light cash loans services have for all of our customers who come to loan money with Sky Light. We have some juice, coffee, magazine, books, and daily newspaper to provide for all of our customers. When your are waiting for contract with our staff, we have comfortable sit for your and very clean toilet for you. Our staffs have smile face, good contract with good voice on face to face with customers or on phone. Sky light is the best listener your problems and help your about your money. (In Sky Light business idea)

2.1.4 Sky Light cash loans business vision Sky Light vision is one team with employees promoting our business and service to become our customers.10

Our vision has good management with efficiency and good authority. And focus on all of organization to achieve the goals by having preparation to perform duty for available with customers. 11

http://online.wsj.com/article/PR-CO-20121214-907493.html

10

http://www.thaiinthailand.com/bank/bank-of-ayudhya.html http://www.gsb.or.th/about/mission-en.php

11

2.1.5 Sky Light cash loans business mission Sky light mission needs many costumers to provide money for all of investor to develop in their life. And we want to be organization that promotes the grassroots economy and to be association with social responsibility.12 2.1.6 Bank Loans Traditionally, banks have been reluctant to provide long-term financing to a small business, particularly in that business is relatively newer. As such, forms of business lending from banks commonly take the form of lines of credit or short-term loans designed for a specific purchase--a piece of machinery. The eligibility of bank loans is commonly predicated on the personal guarantee of the borrower. The idea is that if the borrower is sufficiently invested in the business, he will be less likely to let it fail. While this is a burden that must be considered, in many cases it is also a requirement of this type of business lending. 2.1.7 Advantages & Disadvantages of Small Business Lending Companies As a small-business owner, you should understand the financing options available to you to help grow your company. Small business lending companies, or SBLCs, are authorized by the U.S. Small Business Administration to provide loans and other debt instruments to small business concerns. Financing is provided for purchasing assets including owner-occupied buildings, working capital and small projects with a partial guarantee from the administration that the loan will be paid.13

12

http://www.gsb.or.th/about/mission-en.php :http://smallbusiness.chron.com/advantages-disadvantages-small-business-lending-

13

companies-22866.html 2.1.8 Advantage: Relaxed Credit Requirements Many new small business owners have difficulty accessing capital through traditional banks to start or grow their firms. Small business lending companies target these owners to provide financing even though they have challenged credit. There will be a premium charged through interest rates and other fees for access to capital but being granted necessary funding is most important to owners in a financial bind.14 2.1.9 Advantage: Flexible Loan Terms Loans that can be repaid over a long period of time help reduce the monthly payment required for payback. SBLCs have the flexibility to provide terms according to their schedule since they are not banks and unregulated by federal or state governments. Additionally, they tend to offer smaller loans with no collateral required by the borrower.15 2.1.10 Disadvantage: Higher Interest Rates Given the credit risk of their customer base, SBLCs tend to charge higher interest rates than traditional banks. They typically charge the "Wall Street Journal" prime rate plus a premium dependent on the amount of funding the business owner takes out. As of 2011, this premium could be from 2.25 percent to over 6 percent. Traditional findings highest average rates are slightly higher than 8 percent, while SBLC interest can be as high as nearly 12 percent.16

14

http://smallbusiness.chron.com/advantages-disadvantages-small-business-lending-

companies-22866.html
15

:http://smallbusiness.chron.com/advantages-disadvantages-small-business-lending-

companies-22866.html
16

http://smallbusiness.chron.com/advantages-disadvantages-small-business-lending-

companies-22866.html

Chapter 3

MARKET FEASIBILITY STUDY

3. Market Analysis
3.1 General Environment Analysis According to the market of loan business, now a day the people have low income per month when their people need to loan from bank or other financial institution to buy something. People have low income so people will have divided money to pay in other such as water bill, electric bill and home rent bill it difficult to save money to buy equipment. The most people are population in Bangkok. My company is the way for people to loan for purchase equipment. 17

Figure 3.1: Environment Factors 3.1.1) Political/Legal Factors The government of Thailand has policy return tax for first car. It make those with low income would have car need to loan. The government of Thailand has policy increase in low income 150 per day. That will increase the labor cost to manufacturers, it means the higher cost of product and increase the price of product. It the cause to make people would to loan increase.

17

http://www.marketingteacher.com and http:// www.tutor 2u.net,

3.1.2) Economic Factors Now, in Thailand have relationship with ASEN and other countries, so economics of Thailand has develop over time, we can create new market. Impact on labor from AEC. Level income and distribution level of income of employees. The economic have an effect LS cash directly because we business involved the growth directly. 3.1.3) Socio-cultural Factors Today, people attend to loan, so the company has the opportunity to develop useful money for loan such as low interest rate, long time in pay by installments, high loan and low base salary. It attracts to the consumers of 20 years old up such as teacher, manager, staffs, etc.

3.1.4) Technological Factors We have high technology can register online. We have call center to service customer. We have web site about us such as interest rate, loan rate, etc. Now a day, the communication technology has been improved to be strong, such as 3G and Wi-Fi. All of this can be used to reduce operation cost and convenience for communicating with suppliers and buyers.

3.2 Competition Analysis (3C Analysis)


3.2.1 Competitor Analysis The sky light company focuses on market area in Bangkok to be as the following; age, education, working, and lived in the area. It can show the market share of the following segment into these separate parts so almost of our competitors are substitute competitors. We can analyze the main competitor into the following which are Direct competitors

1) AEON company is a direct competitor because they have much service about loans to customer. So, my company like feature is different.

2) Citybank company is a direct company not use credit card.

competitor

because they use credit card to customer but my

3) First Choice company is co Krung bank. They liked Citybank and AEON. So, my company feature is company different from all

with to

Indirect competitors

1) Krungsri Auto is an indirect company


because they use the assets to guarantee but my company not uses assets to loans.

2) K-bang is an indirect company because they use the assets to loans such as car , property.

3) SCB bank is liked Krungsir-auto and K-bank because they use strategy is use property and cars.

3.2.2 Customer Analysis Who are the customers?

Age 25 > 45 year old both male and female. Officers, has salary more than > 15,000. Or business man.

What?

Different of loans Make convenience to the customer.

Why the customers want to use this company and come to this company?

To buy a house. Car installments. High cost.

When the customers to use your company?

Not enough money. Need Quick Cash.

Where the customer can contract?

My office

3.3 STP Analysis


3.3.1 Segment Segmenting is the breaking down a diverse market into homogeneous groups. People come for loan money is always having older than 20years and the main thing is who have regular work. In this part our company uses the demographic information of customer. The main demographic information our company uses are age, income, social status, education, occupation, family size, geographic conation. The fundamental philosophy behind customer segmentation is that customers will be more inclines to take action when doing so addresses their specific needs.18 When they comes loan money from our company, the company observes their income first and how many they can apply for loan. Some people want to loan because they need to use money for their society or life style. Education is the one thing need to use money. Student who not rich but, they are very intelligent and they want to go study for abroad, their parents come to the loan for get the money.Bases for segmentation in business the important things are Location, Company type and Behavioral characteristics. The location is the easy to see and make customer first impression. The company size is the one make customer has believed in our company and the company will give the 1st customer for low rate (low percentage) of loan.19

18

http://agorsiloku-marketing.blogspot.com/2006/06/segmentation-targeting-positioning-

stp.html
19

http://www.tutor2u.net/business/marketing/segmentation_bases_demographic.asp

3.3.2 Target Market Targeting is the choosing a specific segment for our campaign. Sky light expected growth of market share 0.2 percent per year. We will make the market share growth by give promotion to our customers such as reduce of interest rate and some gift to who loan our money. Light Sky Cash has target on the own business, small business and everyone who want to loan and they can make easily to get the money. Some season we will give the gift voucher to our consumer.20 The population use sky light services are 1,450 peoples per year. We set up bank account at the bank that deals with our size and type of small business. And manage the account effectively and bounced checks. Our see the customers problems and make them understand our business rule and providing money. Relationships can be beneficial when it comes time to apply for a small business loan or large credit line. 21 Four ways to identify target markets use these four category areas as you collect information to identify and define your target market: 1) Geographic: The location, size of the area, density, and climate zone of our customers 2) Demographics: The age, gender, income, family composition and size, occupation, and education of our customers. 3) Psychographics: The general personality, behavior, life-style, rate of use, repetition of need, benefits sought, and loyalty characteristics of our customers. 4) Behaviors: The needs they seek to fulfill the level of knowledge, information source, attitude and response to our company. 22

20

http://agorsilokumarketing.blogspot.com/2006/06/segmentation-targeting-positioning-

stp.html
21

http://sbinformation.about.com/od/creditloans/a/loanrelations.htmby

22

http://articles.bplans.com/business/target-marketing/94

3.4 Sales Forecast / Profit Estimation

Conclusion
STP is also known as strategic marketing. We need to find a correct segment in which to market our company, identifying the proper target market and positioning the company to create maximum profit. The important part of STP is determining exactly what benefit your company gets and who will be most benefit from using Loan Company. Why all business is doing STP process? Because you are creating marketing plan designed specifically for the consumers who will be our loyalty customer. The STP process allows us to identify the correct segment to market for our company. The 4Ps are Product, Price, Place and Promotion makes up the marketing mix. Each of these elements should be designed to meet customer needs and requirements, use the marketing mix to maximize profits. There are a few marketing expenses that are absolutely necessary for the success of any business and must be considered when putting together a marketing budget for a big business.

Chapter 4

I NVESTMENT COST
Pre Operating Cost

Cost subject before start the project

4.1 Landscape Anu-sa-wa-ri Bangkhen, Bangkok

Anu-sa-wa-ri Bangkhen, Bangkok is one excellent market attention because this


location top of population in Bangkok. Conditions of the Bargain Property Type: Floor Level: Price: Condition: Shop house 5 6,200,000 Thai Baht N.A.

Information from K.Maxihome Call: +66 823376883

4.1.1) Certificate Certificate cost of our company

1. A company [+VAT] 23 - Corporate name reservation service. - In preparing the registration form. - Service for taxpayer identification number. - Support for VAT. - Consulting services to the registrant. - Facilities for the document. 2. A limited Partnership [+VAT] - Corporate name reservation service. - In preparing the registration form. - The service was registered at our store. - Service for taxpayer identification number. - Support for VAT. - Consulting services to the registrant. - Facilities for the document. 3. Commercial registration 4. Trademark registration 5. Copyright registration - Activity that is related to works that. 6. Patent Registration 7. Conducting transportation Businesses

12,000

7,500

2,500 2,500 5,000

7,500 1,500

Total (per year)

38,500

23

http://www.p2accounting.com/

%E0%B8%88%E0%B8%94%E0%B8%97%E0%B8%B0%E0%B9%80%E0%B8%9A %E0%B8%B5%E0%B8%A2%E0%B8%99.html?gclid=CMPKzaWhga0CFUZ66wodwiCpSg

4.1.2.) Design office cost of Sky of light

About office floor 5 levels Prices start at 200,000 .per one office. (The price includes installation.)24 - For furniture and electrical systems for a base. - All internal display. ***Does not include devices such as stereo equipment, electric charge. The office about 200,000

24

http://www.spfurniture.com/index.php?

lay=show&ac=article&Id=538884722&Ntype=5 4.1.3) Decorate the shop cost Marketing Promotion cost is the public such as advertising, sales tax calculation, 3% The decoration and other label cost. The label Taxes label The furniture for customer The paint office All the tiles and wages The lamp The glass doors The ventilation File cabinets 9,000 10,000 25,950 50,000 150,000 3,000 10,000 5,000 17,160

Cabinets Counter Total

1,690 20,000 301,800

4.2 Location
Sky Light Company In Bang Khen, Thailand

Our company located at Bang Khen in Bangkok is one excellent market attention because live in center so the popular to shopping. As Bang Khen with more extensive boundary and together with a community, commercial and industry growth in local. An economic prosperity and utilities it makes has population dense. But nowadays, Thailand has problem side of economy as demographic increasing, high costs, so our company has been

built to accommodate a population with financial problems. Our office is on there the lease term is 76/116 T. Bang Khen, A. Bang Khen, Bangkok, 10220.

Location map of sky light company::

Layout and Facility

Floor1

Floor2

Floor3

Floor4

4.3 Investment Cost


4.3.1) Equipments& Tools Table 4.3.1.1 Office Equipment No. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 Description Computer Office table Meeting table So far Table Office Printer Person Printer Chair Telephone Fax File Cabinet Document File Cabinet Counter TV CCTV Total No. Product 22 18 1 3 3 1 3 2 12 1 4 2 1 1 4 10 Price/unit 12,990 2,680 14,850 8,650 690 35,000 2,500 600 480 3,290 4,290 960 1,690 20,000 16,900 9,900 Total 285,780 48,240 14,850 25,950 2,070 35,000 7,500 1,200 5,760 3,290 17,160 1,920 1,690 20,000 67,900 99,000 637,310 Depreciation period/year 3 5 5 5 5 3 3 5 3 3 5 5 5 5 5 5

Table 4.3.1.2 Bathroom Equipment

No. 1 2 3 4

Description Hand soap Slipper Tissues Napkin Total

No. Product 5 5 5 10

Price/unit 43 49 156 27

Total 215 245 780 270 1510

Depreciation period/year 1 1 1 1

Table 4.3.1.3 Kitchen Equipment No. 1 2 3 4 5 6 7 Description Microwave Refrigerator Table set water dispenser Kitchen sink cabinet Insolated container of hot water Cup of coffee set Total No. Product 1 1 1 1 1 1 2 Price/unit 2,190 16,450 3,200 2,790 5,000 900 480 Total 2,190 16,450 3,200 2,790 5,000 900 960 31,490 Depreciation period/year 3 3 5 3 5 3 5

4.4 Depreciation

Investment

Description Building Furniture A Furniture B computer Machine A Machine B Total

No. Product

Price/unit 6200000 3,690 62,130 12,990 59,910 26,800 165,520

Total 6200000 3,690 140,320 285,780 82,829 169,608 682,227

Depreciation period/year 20 3 5 3 3 5

Annual dep. 310,000 1,230 28,064 95,260 27,610 33,922 186,085

Monthly dep. 25833 103 2339 7938 2301 2827 15507

Depreciation

Year 1 Investment Building Furniture A Furniture B computer Machine A Machine B Total Amount 6200000 3690 140320 285780 82829 169608 6,882,22 7 Jan 25833 103 2,339 7,938 2,301 2,827 41,340 Feb 25833 103 2339 7938 2301 2827 41,34 0 Mar 25833 103 2339 7938 2301 2827 41,34 0 Apr 25833 103 2339 7938 2301 2827 41,340 May 25833 103 2339 7938 2301 2827 41,34 0 Jun 25833 103 2339 7938 2301 2827 41,34 0 Jul 25833 103 2339 7938 2301 2827 41,340 Aug 25833 103 2339 7938 2301 2827 41,340 Sep 25833 103 2339 7938 2301 2827 41,340 Oct 25833 103 2339 7938 2301 2827 41,34 0 Nov 25833 103 2339 7938 2301 2827 41,340 Dec 25833 103 2339 7938 2301 2827 41,34 0 Total 310,000 1,230 28,064 95,260 27,610 33,922 496,085 Balance 5,890,00 0 2,460 112,256 190,520 55,219 135,687 6,386,14 2

Depreciation

Year 2 Investment Building Furniture A Furniture B computer Machine A Machine B Total Amount 5,890,00 0 2,460 112,256 190,520 55,219 135,687 6,386,14 2 Jan 25833 103 2,339 7,938 2,301 2,827 41,340 Feb 25833 103 2339 7938 2301 2827 41,340 Mar 25833 103 2339 7938 2301 2827 41,340 Apr 25833 103 2339 7938 2301 2827 41,340 May 25833 103 2339 7938 2301 2827 41,340 Jun 25833 103 2339 7938 2301 2827 Jul 25833 103 2339 7938 2301 2827 Aug 25833 103 2339 7938 2301 2827 Sep 25833 103 2339 7938 2301 2827 Oct 25833 103 2339 7938 2301 2827 Nov 25833 103 2339 7938 2301 2827 Dec 25833 103 2339 7938 2301 2827 41,340 Total 310,000 1,230 28,064 95,260 27,610 33,922 496,085 Balance 5,580,000 1,230 84,192 95,260 27,610 101,765 5,890,057

41,340 41,340 41,340 41,340 41,340 41,340

Depreciation Year 3 Investment Building Furniture A Furniture B computer Machine A Machine B Total Amount
5,580,000

Jan
25833

Feb
25833

Mar
25833

Apr
25833

May
25833

Jun
25833

Jul
25833

Aug
25833

Sep
25833

Oct
25833

Nov
25833

Dec
25833

Total
310,000

Balance
5,270,000

1,230

103

103

103

103

103

103

103

103

103

103

103

103

1,230

84,192

2,339

2339

2339

2339

2339

2339

2339

2339

2339

2339

2339

2339

28,064

56,128

95,260

7,938

7938

7938

7938

7938

7938

7938

7938

7938

7938

7938

7938

95,260

27,610

2,301

2301

2301

2301

2301

2301

2301

2301

2301

2301

2301

2301

27,610

101,765

2,827

2827

2827

2827

2827

2827

2827

2827

2827

2827

2827

2827

33,922

67,843

5,890,057

41,340

41,340

41,340

41,340

41,340

41,340

41,340

41,340

41,340

41,340

41,340

41,340

496,085

5,393,971

Depreciation

Year 4 Investment Building Furniture A Furniture B computer Machine A Machine B Total Amount
5,270,000

Jan
25833

Feb
25833

Mar
25833

Apr
25833

May
25833

Jun
25833

Jul
25833

Aug
25833

Sep
25833

Oct
25833

Nov
25833

Dec
25833

Total
310,000

Balance
4,960,000

56,128

2,339

2339

2339

2339

2339

2339

2339

2339

2339

2339

2339

2339

28,064

28,064

67,843

2,827

2827

2827

2827

2827

2827

2827

2827

2827

2827

2827

2827

33,922

33,922

5,393,971

41,340

41,340

41,340

41,340

41,340

41,340

41,340

41,340

41,340

41,340

41,340

41,340

496,085

4,897,886

Depreciation Year 5 Investment Building Furniture A Furniture B computer Machine A Machine B Amount
4,960,000 28,064 33,922

Jan
25833 2,339 2,827

Feb
25833 2339 2827

Mar
25833 2339 2827

Apr
25833 2339 2827

May
25833 2339 2827

Jun
25833 2339 2827

Jul
25833 2339 2827

Aug
25833 2339 2827

Sep
25833 2339 2827

Oct
25833 2339 2827

Nov
25833 2339 2827

Dec
25833 2339 2827

Total
310,000 28,064 33,922

Balance
4,650,000 -

Total

5,021,986

41,340

41,340

41,340

41,340

41,340

41,340

41,340

41,340

41,340

41,340

41,340

41,340

496,085

4,525,900

note: Furniture A Furniture B water dispenser Office table So far Table computer Machine A Computer Office Printer Person Printer Machine B TV CCTV Insolated container of hot water Meeting table Chair File Cabinet Microwave Telephone Fax Refrigerator Cabinet Counter

Chapter 5

PRODUCTION AND OPERATIONS ANALYSIS

5.1 Product Characteristics


The characteristics of Sky light have many raw materials, process method, convenience, safety, fair for all of our customers with Sky Light rules. The characteristics of Sky Light our customers must have the strong reason or mortgage assets. There reasons are Housing Loans, Personal Loan, Car Purchase loan, Education loan and so on. Sky Light have loan limit we offers our customers the amount of Baht it up to for purchasing or investment whatever and whenever their wish. The interest rate of loan is fluctuating and it is always based on our rate plus the application margin of the product or bank tariffs guide. The duration of repayment is 5 year period of repayment will offer. The insurance policy Sky Light auto insurance premiums for our customers that they want to loan money for their insurance. Sky Light auto loan is satisfying our customers needs.25

25

https://www.hellenicbank.com/loans/

5.2 Production / service process


Service Process When the customers come to our company, the staff will say greeting with good welcome, than the customer will ask everything in public relation. For our customer who waiting for their turn, our company prepared the snack and coffee or water for our consumer but service by self. We have many books such as magazine, comedy book and Television for customer watch. Public relation will discuss customer problem and public relation will decide the allowing of money (example: small amount, have mortgage, etc.) but some large amount money the public relation will sent the problem to manager and wait the decision of manager. Sometime manager will direct discuss with our customer. If the first process finish, our customer will go to second floor that are financial or accounting part. And they will take the money at second floor.

Good is vision. Great is the capital to achieve it. Sky Light gives your business the credit and convenience it deserves to make your vision a reality and success. Business Term Loan Generous limits For short-term and long-term needs For almost any business need expansion Figure 5.2.1Loan Application Approve

Figure 5.2.2Service
Process

Figure 5.2.3company group

5.3 Operating Cost


Our company is a loan business company. So, everyone can borrow the money how much they want from our company. If they want the money from our company, they must have other materials to exchange such as cars, lands, etc. We use a lot of other materials to conduct our company. For example, safe, computers, tables, chairs, printers and other necessary we should use. Safe and computer are essential for our company because we need to save money in safe and to keep customers information in the computers. In our company, we divided into three mains salary for staff and other workers. For the first, we manage the manager to get the highest salary. For the second, we focus on the staff to get the middle salary. For the last step, security and other workers can get monthly cost or daily cost. We maintenance our company by taking the security to take care our customers for their safety. And also take security at night for our company. When the customers borrow a lot of money from our company, we deliver money for their need.

Chapter 6

ADMINISTRATION ANALYSIS

Organization (Administration analysis) Organization Chart

CEO
Marketing Finance Operator HRM

IT
6.1 Employees in Company
Sky Light has totals twenty-two employees in company. The characteristic of each position is blow: 1. CEO Oversee all departments and make decision to Major corporate affairs Characteristic26 Male/Female Service mind/sale person

2. Administration Cost

26

http://www.samiennaree.com/index.php?lite=article&qid=404822

6.2 Employee salary


Wage rate for our organization 1. Managing position 2. Employee in the organization - Accounting department a. Accountant b. Financial - Marketing department a. Marketing manager b. Sale staff d. Marketing staff - IT department - Public relation department - Security department - Human resource department - Lawyer - Warranty loan department - Housekeeping Total salary per month Annotation Give 0.01% commission of total sale for sale person, which is not including the salary. 1 person 3 persons (12,000*3) 2 persons (12,000*2) 2 persons (11,000*2) 2 persons (10,000*2) 2 persons (9,000*2) 2 persons (15,000*2) 1 person 2 persons (13,000*2) 2 persons (8,000*2) 27,000 bath 36,000 bath 24,000 bath 22,000 bath 20,000 bath 18,000 bath 30,000 bath 18,000 bath 26,000 bath 16,000 bath 339,000 bath 2 persons (20,000*2) 2 persons (16,000*2) 40,000 bath 32,000 bath 1 person 30,000 bath

Electricity Expense per Month

Electricity Normal Rate (Residential)

Energy Charge(kWh) Baht

Consumption not exceeding 150 kWh per month First 5 kWh (0 5th) Next 10 kWh (6th 15th) Next 10 kWh (16th 25th) Next 10 kWh (26th 35th) Next 65 kWh (36th 100th) Next 50 kWh (101st 150th) Next 250 kWh (151st 400th) Over 400 kWh (401st up) 0 1.3576 1.5445 1.7968 2.1800 2.2734 2.7781 2.9780

Office Estimate use of electricity 600unit 2.9780 = 1786.8 Baht Total =1786.8Baht

Water Expense per Month

Water Volume Used (cubic meters)

Water rate (per cub

(minimum 45 baht Baht

0-30 31-40 41-50 51-60 61-70 71-80 81-90 91-100 101-120 121-160 161-200 201 up

8.50 10.03 10.30 10.68 11.00 11.33 12.50 12.82 12.15 13.47 13.80 14.45

Forecast use of 40cubic meter 10.03= 401.2Baht Add (7%) =28.084 Baht Total expense of water per month = 401.2 +28.084=429.284 Baht

Telephone Expense The company has installed twelve telephones in the office to use for the business, such as contacting customers. The amount of telephone usage is estimated to be 400 times per month, with telephone fee for 3 Baht per one call.

Calculating telephone expense per month Telephone usage 400times3 =1200Baht Add (+) VAT 7% Add (+) Service Chart Total = 84Baht =100Baht = 1384Baht per year

Internet (3BB)
Hi Speech internet 10MB Add (+) VAT 7% Add (+) Service Chart Total =1490Baht =104.3 Baht =100 Baht =1694 Baht per year

Drinking Water We order the water from Chang Company and they supply the water for our company. One day we use two gallon of water. The whole month we use 60 gallon of drinking water. Drinking water expense Gallon 18.9Liter 70Baht60= 4200Baht

Total expense of drinking water = 4200 Baht per year

6.3 Description
Year 1

Description Salary Commission 2% Buy Fee Electricity expense Water expense Telephone expense Internet expense Drinking water expense

JAN 339,00 0 19,381 6,200,0 00 7745 429.28 4 1384 1694 4200 6,573,8 33

FEB 339,00 0 7,454

MAR 339,0 00 7,454

APR 339,0 00 10,43 6

MAY 339,00 0 17,890

JUN 339,0 00 4,473

JUL 339,0 00 7,454

AUG 339,0 00 7,454

SEP 339,00 0 7,454

OCT 339,0 00 22,36 3

NOV 339,0 00 29,81 7

DEC 339,0 00 37,27 1

Total 4,068,00 0 178,901 6,200,00 0 92940 5151.40 8 16608 20328 50400 10,632,3 28

7745 429.28 4 1384 1694 4200 361,90 6

7745 429.2 84 1384 1694 4200 361,9 06

7745 429.2 84 1384 1694 4200 364,8 88

7745 429.28 4 1384 1694 4200 372,34 3

7745 429.2 84 1384 1694 4200 358,9 25

7745 429.2 84 1384 1694 4200 361,9 06

7745 429.2 84 1384 1694 4200 361,9 06

7745 429.28 4 1384 1694 4200 361,90 6

7745 429.2 84 1384 1694 4200 376,8 15

7745 429.2 84 1384 1694 4200 384,2 69

7745 429.2 84 1384 1694 4200 391,7 23

Total

Year 2

Description Salary Commission 2% Buy Fee Electricity expense Water expense Telephone expense Internet expense Drinking water expense

JAN 339,00 0 19,381

FEB 339,00 0 7,454

MAR 339,0 00 7,454

APR 339,0 00 10,43 6

MAY 339,00 0 17,890

JUN 339,0 00 4,473

JUL 339,0 00 7,454

AUG 339,0 00 7,454

SEP 339,00 0 7,454

OCT 339,0 00 22,36 3

NOV 339,0 00 29,81 7

DEC 339,0 00 37,27 1

Total 4,068,0 00 178,901

7745 429.28 4 1384 1694 4200

7745 429.28 4 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.28 4 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.28 4 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.2 84 1384 1694 4200

92940 5151.40 8 16608 20328 50400

Total

373,83 3

361,90 6

361,9 06

364,8 88

372,34 3

358,9 25

361,9 06

361,9 06

361,90 6

376,8 15

384,2 69

391,7 23

4,432,3 28

Year 3

Description Salary Commission 2% Buy Fee Electricity expense Water expense Telephone expense Internet expense Drinking water expense

JAN 339,00 0 19,381

FEB 339,00 0 7,454

MAR 339,0 00 7,454

APR 339,0 00 10,43 6

MAY 339,00 0 17,890

JUN 339,0 00 4,473

JUL 339,0 00 7,454

AUG 339,0 00 7,454

SEP 339,00 0 7,454

OCT 339,0 00 22,36 3

NOV 339,0 00 29,81 7

DEC 339,0 00 37,27 1

Total 4,068,0 00 178,90 1

7745 429.28 4 1384 1694 4200

7745 429.28 4 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.28 4 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.28 4 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.2 84 1384 1694 4200

92940 5151.4 08 16608 20328 50400

Total

373,83 3

361,90 6

361,9 06

364,8 88

372,34 3

358,9 25

361,9 06

361,9 06

361,90 6

376,8 15

384,2 69

391,7 23

4,432,3 28

Year 4

Description Salary Commission 2% Buy Fee Electricity expense Water expense Telephone expense Internet expense Drinking water expense

JAN 339,00 0 19,381

FEB 339,00 0 7,454

MAR 339,0 00 7,454

APR 339,0 00 10,43 6

MAY 339,00 0 17,890

JUN 339,0 00 4,473

JUL 339,0 00 7,454

AUG 339,0 00 7,454

SEP 339,00 0 7,454

OCT 339,0 00 22,36 3

NOV 339,0 00 29,81 7

DEC 339,0 00 37,27 1

Total 4,068,0 00 178,90 1

7745 429.28 4 1384 1694 4200

7745 429.28 4 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.28 4 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.28 4 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.2 84 1384 1694 4200

92940 5151.4 08 16608 20328 50400

Total

373,83 3

361,90 6

361,9 06

364,8 88

372,34 3

358,9 25

361,9 06

361,9 06

361,90 6

376,8 15

384,2 69

391,7 23

4,432,3 28

Year 5

Description Salary Commission 2% Buy Fee Electricity expense Water expense Telephone expense Internet expense Drinking water expense

JAN 339,00 0 19,381

FEB 339,00 0 7,454

MAR 339,0 00 7,454

APR 339,0 00 10,43 6

MAY 339,00 0 17,890

JUN 339,0 00 4,473

JUL 339,0 00 7,454

AUG 339,0 00 7,454

SEP 339,00 0 7,454

OCT 339,0 00 22,36 3

NOV 339,0 00 29,81 7

DEC Total 339,0 4,068,0 00 00 37,27 1 178,901

7745 429.28 4 1384 1694 4200

7745 429.28 4 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.28 4 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.28 4 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 429.2 84 1384 1694 4200

7745 92940 429.2 5151.40 84 8 1384 1694 4200 16608 20328 50400

Total

373,83 3

361,90 6

361,9 06

364,8 88

372,34 3

358,9 25

361,9 06

361,9 06

361,90 6

376,8 15

384,2 69

391,7 23

4,432,3 28

Chapter 7

F I N A N C I A L A N A L Y S I S

Sky Light Company 7.1 Income Statement

Year 1

Year 2

Year 3

Year 4

Year 5

Sky Light Company 7.2 Balance Sheet

Chapter 8

I S K M A N A G E M E N T

8.1Income Statement (Decrease 5%)


Year 1

Year 2

Year 3

Year 4

Year 5

Sky Light Company 8.2 Income Statement (Income Decrease 10%)


Year 1

Year 2

Year 3

Year 4

Year 5

Sky Light Company 8.3 Income Statement (Decrase15%)


Year 1

Year 2

Year 3

Year 4

Year 5

8.4 Cost Increase 5%


Year 1

Year 2

Year 3

Year 4

Year 5

8.5 Cost Increase 10%


Year 1

Year 2

Year 3

Year 4

Year 5

8.6 Cost Increase 15%


Year 1

Year 2

Year 3

Year 4

Year 5

Chapter 9

SUMMARY

Summary From this project feasibility, I have learned about the process to business especially in Thai loans business. This project has study about the demand of customer in present. Nowadays, loans business is important because in Thailand currently want parties will not wanting money in circulation and enough to spend the day. So, we thing make this project for help people in Thailand. In this business, the product differentiation is very importance because there are a lot of competitors both direct competitor and indirect competitor. And then focus to value of business that can make the high value for the same business in the same market. So, this market is a large market and a lot of customer. Who are our customers? , Our company is loan business. And we allow the customers who have the salary above 15,000 Bahts to loan. If the customers need to get money from our company, they must take something that suitable for their loan. For example, lands, houses, gold, etc. We also do the register for the customers because we dont need to misunderstand with each others. And we save all of information in our computers. We also take care all of the customers who come to loan from our company. In sale forecast, it forecast the revenue and expense from number of money to customer that are the medium rate that can sale. However, our company is a new brand in market. The customer do not knows us as well. Thus, our company should use marketing communication mixed to contract with customers that make them to know and recognize our company such as advertising, radio, and discount coupon. In human resource are important factors because that effect directly with our company to sales. In finally, thing are importance in this project is part of financial analysis because details for inventor to measure this company should invest or not. In this chapter, we do the 3 statement are net income, cash flow and balance sheet.

SEAT 07
1. Miss Suchada Chupakdee 2.Mr.Natthapong Narakorn 3.Miss Mee Hnay 4.Miss Moe Pwint Phyu 5.Miss Nang Noon 6.Miss Nang Ying Loung 7.Miss Nang Tip Phoo 8.Mr. Anuchit Srihachai ID 5231203191 ID 5231203511 ID 5331203162 ID 5331203163 ID 5331203167 ID 5331203170 ID 5331203189 ID 5431203093