CONCEPT PAPER

BNAHS YECS LINGAP BANK

A Banking System for All Students

S.Y. 2003-2004
I. INTRODUCTION

We cannot have a stable future without proper preparation.

This is why students should be taught the importance of savings.
They should be aware also of the value of spending money wisely. In
line with this, the BNAHS YECS LINGAP would like to help students
save for their future. It would like them to develop the habit of
saving for the future. YECS LINGAP BANK could be of great help to
them. All money, which will be deposited by students, will also be
deposited to the METRO SOUTH COOPERATIVE BANK in the name
of the BNAHS YECS CLUB under COOP SAVINGS DEPOSIT of the
said bank. Hopefully, the BNAHS YECS BANK can start on the first
day of September this year.
III. RATIONALE

A bank is the best place to save money. It also has bank

concerns and services. In the case of the BNAHS YECS
LINGAP BANK, its activities will be limited only to accepting
savings from students and depositing the said savings to the
METRO SOUTH COOPERATIVE BANK, once a week. On the
other hand, bank transaction per student is also limited once.
The key personnel for this bank are the Overall YECS
OFFICERS and both the moderator and assistant moderator.
II. OBJECTIVES

1. To instill among students the right attitude towards

money.
2. To develop the habit of thrift, wise spending and
savings.
3. To serve as a center for practicing entrepreneurship by
banking system.
 IV. TERMS AND CONDITIONS

1. The elected Overall YECS Officers, Moderator and Assistant Moderator will manage
the bank.
2. All transactions must be noted by OFFICER OF THE DAY who will wrote their full
names and affix signatures on all documents.
3. Accounts will be of two types, namely: COOP SAVINGS and REGULAR DEPOSITS.
4. Only one transaction in a week is allowed.
5. In case of bank withdrawals, only the depositors can transact with corresponding valid
school IDs.
6. Class deposit is accepted wherein the class adviser, president and treasurer are
authorized signatories for all transactions.
7. Even if students are not in Benigno anymore, transferred, dropped, or graduated, they
can still continue for the rest of their lives to have their savings be taken cared of the
BNAHS YECS BANK.
 V. RECOMMENDATIONS

To be able to realize the benefits that the students may have from this project the following are
recommended:
1. The T.L.E. Department and the School Administration as components of the School Management
Committee should be in full support for this project.
2. Objectives pf this project should be properly disseminated to students to help them appreciate the
need saving for the future.
3. Minimum and maintenance deposit will be ONE HUNDRED PESOS (PHP 100.00).
4. Weekly deposit in addition to the minimum deposit should not de lower than TWENTY PESOS (PHP
20.00) per depositor.
5. A logbook system will also be executed to support the transaction.
6. All depositors’ accounts will also be updated in the computer’s record in the spreadsheet program.
7. All student entrepreneurs and business networkers who are under Business Technology classes are
encouraged to open their bank accounts with us.
ONE-DAY OLD CHICK PROJECT
PROPOSAL FOR LAYER
PROUCTION

Prepared by: Camille Cabaliza

Trained by: Dr. Celedonia T. Teneza
Event: NCR STEP Skill Competition S.Y. 2005-2006
Award: 3rd Place
I. EXECUTIVE SUMMARY
Since 1950, one of the country’s major industries when it comes to agriculture is the poultry
production. Our country is very rich in natural resources that is why the government agencies related to
agriculture, mainly the Department of Agriculture are focusing on the development of these resources.
They are promoting agriculture and encouraging entrepreneurs to engage in businesses related to it.
This project proposal is about raising one-day old chicks for laying. The breed of the chicks to
be raised will be white leghorn. White leghorn is relatively small but yields large-sized egg. They are also
efficient feed converters. Other good types of breed are the hi-sex and the bob cock. Theses stocks will
be purchased from local farming firms like the San Miguel Food Corporation and Robina Farm.
The owner will be borrowing money from the lending agencies provided by the government for
capital and the accounts payable will be settled on the date they agreed upon.
The name of the business will be “Egg-Cellent” Enterprise for the firm will be selling eggs. The
location of the shelter where the chicks will be raised is on an acquired vacant lot along Kalayaan
Ave.,Cembo ,Makati City.
After a year, culls will be sold and another set of stocks will be raised. It is expected that
after the first two years of egg production, the owner must have earned enough profit from the
business.
II. JUSTIFICATION

If we consider the nature of the business which focuses on egg production

we can conclude that this business will be suitable, feasible, attainable and
profitable.
Food is the basic need of men. If we are going to picture out our current
economic situation, we can observe that people are now looking for food that will
provide them the essential nutrients they need and, at the same time, available at
minimum cost. Eggs are cheap but they are rich source of protein and calcium which
are essential to our health. Moreover, eggs are not only used as food but also as the
main emulsifying agent in our locality. They are used in the manufacture of other
products like soap, mayonnaise, and shampoo. Eggs are being consumed by people –
young and old. In addition, the eggs that will be produced already have the target
market to where they can be delivered. The business site is surrounded by many
stores, bakeries and wet markets.
III. OBJECTIVES

The following are the objectives for putting up this business:

• To give the owner a sustainable source of income.
• To alleviate our country’s employment problem by providing long-term job
opportunities to the owner’s family and other interested investors.
• To satisfy the consumer’s needs and demands for eggs.
• To help nourish the Filipino people by producing organic eggs.
• To make the productive use of our natural resources.
• To be an inspiration for others who plan to establish similar/related
enterprises.
IV. PROCEDURES

The following are the procedures to follow for a successful business operation:
1. Borrow capital from lending agencies provided by the government to be used for the project.
2. Find the appropriate location. Consider the following:
• Nearness to the market
• Distance from the residential area
• Availability of resources
• Availability of water and electric supplies
• Implementation of proper waste disposal
• The topography, climate and weather condition
3. Build the shelter and consider the following:
• Comfort it can provide to the layers
• Protection from predators like snakes and dogs
• Elevation of the site to protect it from flood
• Ventilation
IV. PROCEDURES

4. Procure the equipments needed like:

• Brooding equipments

• Waterers

• Feeders

• Light

• Feeds

5. Select 1,800 healthy chicks (white leghorn)

6. Apply the proper treatment of feeding and medication as the stocks pass through different stages like:
• Brooding stage (first 2 weeks)

• Growing stage (3-8 weeks)

• Laying stage (2 months onwards)

7. Collect the eggs after laying to reduce mortality.

8. After a year, sell the culls
9. Buy another set of stocks to be raised.
10. Repeat the procedure.
After the procedures have been repeated for the second year, another culling will be done and enough profits have
been gained.
V. PROPONENT

Sole proprietorship will be the type of ownership to

be implemented because it is very simple and easy to
establish. Lesser problem will be encountered because only
the owner will be managing the business and all the decision-
making will be done only by him. Its greatest advantage on
the part of the owner is that al the profits earned will be
received by him.
 VI. PROJECT ORGANIZATION
& MANAGEMENT
A. Organizational Chart

OWNER
LENDING AGENCY

HELPER DRIVER
VI. PROJECT ORGANIZATION
& MANAGEMENT

B. Distribution of Tasks

OWNER DRIVER HELPER LENDING AGENCY

• General • Delivers the • Cleans the • Lends money
manager of eggs to the shelter to the owner
the business market and • Feeds the for capital
• Responsible egg traders stocks
for all the • Collects the
undertakings eggs
VII. BUDGET

The capital allotted for the operation is Php 150,000.00

A. INPUTS
Inputs of the business are the following:
1. Stocks – 1,800 chicks for Php. 28.00 each
2. Land – Php. 39,900.00
3. Housing – Php. 85,000.00
4. Feeds – Php. 95.00 per day
5. Vit. & Med – Php. 23.00 per day
6. Helper – salary of Php. 8,500.00 per month
7. Driver – salary of Php. 9,000.00 per month
VII. BUDGET

B. OPERATING EXPENSES

The operating expenses is the summary of the total expenses

being incurred for daily, monthly, year 1 and year 2.
The table shows the operating expenses for two years for the
“Egg-Cellent” Enterprise.
 “EGG-CELLENT” ENTERPRISE
TOTAL OPERATING EXPENSES
(T.O.E)
PARTICULARS DAILY MONTHLY YEAR 1 YEAR 2
Stocks Php ________ Php ________ Php 50,400.00 Php 50,400.00
Land ________ ________ 39,900.00 ________
Housing ________ ________ 85,000.00 ________
Feeds 95.00 2850.00 34,200.00 34,200.00
Vit. & Med. 23.00 690.00 8,280.00 8,200.00
Helper 283.33 8,500.00 102,000.00 102,000.00
Driver 300.00 9,000.00 108,000.00 108,000.00
TOTAL 701.33 21,040.00 427,780.00 302,880.00

The illustration reveals the expenses incurred during the first and second year of
operation where in first year,Php 427,780.00 is the total expenses,higher than Php
302,880.00 in the second year because the cost of land and housing have already been
excluded.
C. REFERENCES
• www.TLRC.gov.ph
• TLE books for various levels
• TLRC’s (Technology & Livelihood Research Center) video course for Layer
Production
D. PROJECTED FINANCIAL STATEMENT
The projected financial statement shows the total profit gained by Egg-
Cellent Enterprise for two years.
“EGG- CELLENT” ENTERPRISE PROJECTED INCOME STATEMENT
PARTICULARS DAILY MONTHLY YEAR 1 YEAR 2
Eggs Php 5,028.00 Php 150,840.00 Php 1,508,400.00 Php 1,583,820.00
Culls ________ _________ 157,140.00 164,997.00
Manure ________ _________ 800.00 840.00
Sacks ________ _________ 7,500.00 7,875.00
GROSS SALES 5028.00 150,840.00 1,673,840.00 1,757,532.00
LESS T.O.E. 701.33 21,040.00 427,780.00 302,880.00
R.O.I. 4,319.67 129,800.00 1,246,060.00 1,454,652.00
The table shown above denotes the net income of the enterprise for the first year and second
year of operation. The second year production income which is Php 1,454,652.00 is apparently
higher than the first year by 5% and less the cost of housing and land that was already paid for in
the first year operation. The money deducted from the gross sales is the total operating expenses
shows in the table on page 3.