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M . U m e r ( 8 0 2 8 )
N i d a Z a f a r ( 7 9 8 0 )
A h s a n B h a m ( 8 1 0 6 )
Zouk n Shok is considered an innovativeand lucrative business idea. The idea of such
business will be able to attract numberofpotentialinvestors. The report will cover many aspects of
the business competitive edge that makes it
different from the other businesses present in the
market. A positive Financial Plan makes the
project more feasible.
Feasibility Report
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IINNTTRROODDUUCCTTIIOONN
Scope of the Report
This report gives you the holds all the details that are we need to present forour
business that we have decided to start. The report also takes into consideration the
originality and integrity ofthe project.
Purpose of the Report
This report is to be presented to the potential investors. Its purpose is to seekbank
loan, by presenting a valid documentary proofregarding the future business activities to be
profitable. The report also highlights the certain aspects ofconsumer behavior and market
situation into which the business plans to enter.
Summary
The defining features ofZouk n Shok is its assertion that everythings made
available underone roof. It is a one-stop entertainment outlet located in Gulshan-e-Iqbal,
Pakistan; featuring a caf, networkgaming, sheesha, snooker and wireless internet. Zouk
n Shok is supported by interests of the youngsters of nation, the growing demand for
network gaming facilities and the customer need for a distinctive hangout zone. Zouk n
Shok purpose is to deliver trendy refreshments in an innovative and customer friendly
manner.
Business Concept
To develop a sophisticated and upscale ambience that will be Nia Cafs Unique
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To provide the ultimate networkgaming platform
To deliver what young peo ple want - a unique Nia cafs experience at an
affordable rate
To generate a sizable profit for the owners and provide a rewarding working
environment for employees
Current situation
KKEEYY SSUUCCCCEESSSS FFAACCTTOORRSS:: Gulshan-e-Iq bal is an u pscale, densely populated
town in Karachi, Pakistan. It is a commercial hub and home tomany residential structures
and educational institutions, such as the Karachi University. These form the basis ofNia
Cafs target market. Zoukn Shokstands to succeed because it will be fulfilling the need
for a distinctive entertainment outlet amongst the youth of this area. It will capitalize on
stylish dcor and cultural ambience, thus enhancing its appeal over that ofcompetitors.
Furthermore, a trend in Pakistan is the growing demand for network gaming
solutions. By offering the ultimate network gaming platform, Zouk n Shok ho pes to
address this trend and attract a substantial customer base.
FFIINNAANNCCIIAALL SSIITTUUAATTIIOONN//NNEEEEDDSS:: Based on the type of business to be carried
out, it will need to finance the purchase ofnumber of assets, materials / su pplies, and
employing people. There will also need to be money to cover the running costs. It may be
some time before the business generates enough cash from sales to pay for these costs.
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money required, frequency of generation, cheapest sources, involvement of risk, and
duration will be our highlighted priority.
Vision
VVIISSIIOONN SSTTAATTEEMMEENNTT::Zoukn Shokaims tofoster brand loyalty by deliveringquality entertainment all underone roof, in one exclusive environment.
LLOOCCAATTIIOONNAANNAALLYYSSIISS
Why here?
Zoukn Shokwill be located in the commercial area ofGulshan-e-Iqbal, Karachi,Pakistan. This location is ideal for the following reasons:
Close to target market: educational institutions
Parking Availability
Population density
No close competitor
How can We succeed here?
Yaseenabad Street in Gulshan Iq bal Block-13 is also known as the Education
Street due to the presence of several educational institutions throughout the street. The
area is busy with students activity right frommorning 8AM till late 12AM when the last
batch ofstudents leave after attending their respective classes. (Appendix-I)
The area is currently lacking any decent hangout zone for snacks and leisure
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MMAARRKKEETTAANNAALLYYSSIISS
The overallmarket
The establishment ofZoukn Shokinvolves certain risks and considerations:
Will customers be willing to pay a premium price for Cafs unique selling
proposition ambience?
Will the opening of an entertainment zone near educational institutions spark
controversy amongst parents and educators?
Will the trend ofnetworkgaming continue into the future or is it just a fad?
Market segments
Zouk n Shoks market is comprised of two grou ps: students and a minormarket
segment ofpeople aged 25-35. The students constitute the bulkofthe youth market that is
in demand ofan innovative fun hangout zone. The minor segment refers to adults who are
network gaming fans and are looking for a place to relax after a long day. The student
segment can be further divided into school, tuition centre and university students.
Growing demand for networkgaming.
Class system in Pakistan upper classes prefers exclusivity in entertainment.
Changing social trends has bought a great opportunity for the caf
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Targe marke andcu mers
Customerc aracteristics
The customer mostl co sists of students of different institutes, schools, and
colleges. The youngsters need a place tohang outin a specific time slotof8AMto 12AM.
Withthe currenttrend ofcomputer net ork gaming, students have started totake interest
in such activities. Therefore they required best equipments and gadgets to fulfill their
interests. Ambience and food is also an important demand no adays where they require
best quality and quantity at reasonable rates.
Rest of the population consists ofupper class people who require ambience and
quality. These people need a place to pass time and enjoy with their family and loved
ones.
2904
980
1024
512
1352
12000
661.5
3240
15625
18743
2009-10 Potential Customers
Residential Area
Students Inn
Shaheen PublicSchool
Excellency Coaching
Sadequain Institute
Samdani MedicalCollege
Fahim's School
Aptech ComputerInstitute
LongitechEngineering College
Karachi University
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CCOOMMPPEETTIITTIIVVEEAANNAALLYYSSIISS
Nature of competition
In such an environment the competition among different businesses will be
basically based on pricing. Business will be concentrating on the operational effectiveness
and improving productivity levels. Theres also space for continuous improvement, where
new facilities and services will eventually attract more and more customers.
Primary competitors
There are three main competitors in the region:
English Snooker Club This is a 5 minute drive away fromour proposed location
and provides snookerfacilities.
Fariya Gaming Arena This provides networkgaming facilities and is situated 10
minutes drive away fromour location.
Encounters Gaming Zone This provides networkgaming facilities and is located
10 minutes drive away fromour location.
Competitive products/services
None of the competitors have am bience specific outlets nor do they offer
everything underone roof. In addition, their gaming zones are small and congested. Zouk
n Shok is an entertainment outlet cum cafoffering everything from sheesha to wireless
internet. It aims to revolutionize the networkgaming zone in Gulshan-e-Iqbal by providing
a spacious area for gamers to relax as they play with food that is finger licking good. They
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SWOT Analysis
As part ofits planning process, Zoukn Shokhas scanned its internal and external
environment in order to appraise the strengths, weaknesses, opportunities and threats
(SWOT) open to it.
Strengths:
Unique Selling Point differentiation by way ofambience
Good location
Knowledgeable and experienced management team
Wea
knesses: Relatively high initial cost structure
Need for large, spacious location to set up
Opportunities:
Unfulfilled customer need for such a hangout zone in Gulshan-e-Iqbal
Threats:
Possible establishment of Playdium in Gulshan-e-Iq bal, as Playdium is the most
reputed networkgaming zone in Karachi. This may increase competition.
Emergence ofcopycats businesses
Possible objection by educational institutions
Ch i t d
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SSTTRRAATTEEGGYY
Zouk n Shok will integrate a penetrative pricing policy. Prices will be kept at
relatively low levels so as to capture market share, encourage fast diffusion and adoption.
Not only is this important because demand is price elastic but it will create goodwill
amongst customers and generate word ofmouth promotion. Eventually, as Zouk n Shok
establishes its presence and consumers develop loyalty for its services (thus making
demand more inelastic) a premium will be charged on the prices. This will take into
account the value added services that Zouk n Shok provides, by way of its innovative
ambience.
Implementing strategy
PPRROODDUUCCTTSS//SSEERRVVIICCEESS::Zouk n Shok will be a network gaming and snooker
caf. This caf will be comprised of three floors. The underground level will provide
snooker and pool facilities. The ground level will be a cafoffering specialty meals and
beverages. There will also be a coffee baroffering a selection ofcaffeinated delights and a
provision of wireless internet. This level will also have a Sheesha corner featuring an
Arabic theme. The upper level will be the gaming section featuring the latest technology
for delivering the ultimate gaming experience. (See Appendix-III)
PPRROODDUUCCTT//SSEERRVVIICCEE DDEESSCCRRIIPPTTIIOONN::Zouk n Shok will offer customers the
dual option of gaming with others on the network and playing on Link Dot Net. At
present Nia cafes Data Server allows data transfer at high rates As such customers will
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Gulshan-e-Iq bal. The caf, pool, snooker and sheesha corners will be differentiated by
ambience.
PPRROOMMOOTTIIOONN OOFFPPRROODDUUCCTTSS//SSEERRVVIICCEESS::Zoukn Shokwill be implementing
both above and below the line promotion. This means that we will be advertising through
posters, (which will be placed in strategic locations near schools, supermarkets, internet
cafs and areas where members ofour target market are likely to frequent) newspapers,
local radio channels and local TV channels such as Hum TV.
We will also be renting out a stall in Gulshan-e-Iq bals Millennium Mall and
sending out pamphlets to people, informing themof the innovative caf that is soon to be
established. This will be done on Friday-Sunday as this is the optimal time for students to
socialize at the mall.
On the cafs opening day, there will be media presence at Zouk n Shok. Local
radio station coverage will be invited and as part of special promotion, the first 100
customers will walkaway with a free meal.
CCOOMMPPEETTIITTIIVVEE EEVVAALLUUAATTIIOONN OOFF PPRROODDUUCCTTSS//SSEERRVVIICCEESS:: None of the
competitors have ambience specific outlets nor do they offer everything underone roof. In
addition, their gaming zones are small and congested. Zouk n Shok is an entertainment
outlet cum caf offering everything from sheesha to wireless internet. It aims to
revolutionize the network gaming zone in Gulshan-e-Iq bal by providing a spacious area
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OOPPEERRAA IIOONNSS
Ke personnelThe Caf will be equally owned by a teamoffour partners. The main operations of
the caf will be undertaken by this team. Zouk n Shok willhave a simple organi ation
structure and will implement a short chain of command so as to facilitate business
communication and save time.
OO
GGAA
ZZAATTIIOO
AA
SSTTRRUUCCTTUURREE
UUMMAA RREESSOOUURRCCEESS PPLLAA Supplementary labor such as waiters, kitchen staff,
janitors and security personnel will be employed and paid a monthly salary. (Appendi I
Security
Rehan Altaf
(CFO
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CCRREEAATTIINNGG TTHHEEFFIINNAANNCCIIAALLSS OOFF TTHHEEBBUUSSIINNEESSSSPPLLAANN
Assumptions and Comments
WWOORRKKIINN CCAAPPIITTAALL: It includes o perating cash requirements, inventory,
su pplies, necessary prepayments, and line of credit (provided by the su pplier). The
percentage of yearly expected sales will be taken as working capital and any changes
occurred will be made in the inventory account, i.e. 12.5%.
VVAARRIIAABBLLEE EEXXPPEENNSSEESS:: Based on the research made from the running business
in the area. There are certain variable expenses; including electricity, gas, and
miscellaneous petty expenses that are based on the turnover of the business. There is a
specific percentage ofSales revenue that is taken as such expenses, i.e. 45%.
BBRREEAAKK--EEVVEENN:: Given a yearly fixed cost of employee payroll, deprecation and
prepayments. Break-even can be calculated as follows:
Break-even =
=
=
= Rs. 11,825,455
Therefore, tomake the venture profitable yearly sales revenue must be above Rs.
11.8 Million. Aftermaking a prudent projection, projections ofSales revenue for the first
month are Rs. 1.25 Million which sums up to annual revenue in the first yearofRs. 15.4
Million.
%%AA EE RROOWWTTHH OONN SSAALLEESS RREEVVEENNUUEE:: According to the current inflationary
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SSAALLVVAA EE VVAALLUUEE:: The terminal cash flows of the fixed assets are to be taken at
W.D.V.s that are depreciated based on number of assumptions. Total Working Capital
including the yearly changes is also being taken into effect.
Cash FlowProjection
Projections on cash flows are made through indirect method, where non-cash items
are added to the After Tax Earnings and any changes in working capital are taken into
effect. (Appendix-VI)
Net Cash Flows will be added into the opening balance ofCash account and will
also be taken into account while calculating the NPV and IRR of the business. Any
projections in Cash Flows are subjected to change depending upon various factors
discussed earlier in the report. Therefore a scenario analysis has been alsomade to take
into affect the best and worst case scenario. (Appendix-VII)
Measures of evaluating performance such as NPV and IRR have also been taken
into account. It is often assumed that higher is betterfor both ofthe net present value and
the internal rate of return. In particular, it is usually stated that investments with higher
internal rates of return are more profitable than investments with lower internal rates of
return.
NNPPVV:: In the future, at years 2010, 2011, 2012, and 2013 will generate cash flows
as prospected in the appendix. The investment having a salvage value will be added into
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IIRRRR::It is the discount rate that makes the net present value equal 0. Here the IRR
is 23.1 %, which shows that the investment will be recovered before its intended venture.
SSCCEENNAARRIIOO AANNAALLYYSSIISS:: Here we consider the base scenario, the best case
scenario and the worst case scenario. Here 10% variance of the sales and variable
expenses are taken. In worst case scenario the sales have been decreased and variable
expenses are increased by 10%, vice versa in best case scenario. Thereby, scenario
analysis suggests that the project could be highly profitable, but also that it is quite risky.
There is a 10% probability that the project would produce an NPV ofRs. 1.5 Million. The
standard deviation is at Rs. 0.3 Million, and the coefficient of variation is 0.32, that is
favorable. There is 10% probability of result in a loss ofRs. 1.8 Million. The expected
NPV is Rs. 1 Million.
Balance SheetProjection
Balance Sheet projections include the depreciation charged in the Fixed Assets. It
also includes the amortized long-term debt that is being paid off over the period of 4
Years. Equities are accounted for with the effect ofAfter-Tax earnings. (Appendix-VIII)
Bank Financing
Term Loan (4-years) amount ofRs. 1 Million tofinance capital assets at 19% p.a.
(Appendix-IX)
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CCOONNCCLLUUSSIIOONN
The report can be concluded to be an innovative idea with lots offuture prospects.
If provided with a sufficient funding the business has the potential to be profitable on a
larger scale and also has future expansion opportunities. The idea of having everything
made available under one roof will definitely attract number of customers specially
students around the location. With the quality gaming equipment, best environment and
quality food products the business intends to attract a large population those are interested
in such products and services. Therefore, the conceptualization of such an idea must
credited and given an opportunity to prove itself.
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AAPPPPEENNDDIIXX
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I
Location Analysis:
Students
Inn
Shaheen
Public
School
Caf Nia
Petrol
Pump
Bank
Excellency
Coaching
Sadequain
Institute
Samdani Hospital
Complex &
Medical College
Fahims School
levels
To Karachi University
From Karachi University
Yaseenabad(Education) Street
Yaseenabad(Education) Street
Aptech Computer
Institute
Residential Area Residential Area
Longitech
Engineering College
Car Park
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Z o u k n S h o k
III
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IV
PayrR S S T rR wU
h Rate: 8%
2010 2011 2012 2013
540,000Rs V 583,200Rs V W 29,856Rs V 680,244Rs V
HR / Supply Manager 420,000Rs V 453,600Rs V 489,888Rs V 529,079Rs V
360,000Rs V 388,800Rs V 419,904Rs V 453,496Rs V
300,000Rs V 324,000Rs V 349,920Rs V 377,914Rs V
180,000Rs V 194,400Rs V 209,952Rs V 226,748Rs V
Head Chef 240,000Rs V 259,200Rs V 279,936Rs V 302,331Rs V
AssisX
ant Chef 180,000Rs V 194,400Rs V 209,952Rs V 226,748Rs V
Staff SupervisY
r 120,000Rs V 129,600Rs V 139,968Rs V 151,165Rs V
Waiter A 84,000Rs V 90,720Rs V 97,978Rs V 105,816Rs V
Waiter B 84,000Rs V 90,720Rs V 97,978Rs V 105,816Rs V
Janitor 60,000Rs V 64,800Rs V 69,984Rs V 75,583Rs V
Technical Personnel 120,000Rs V 129,600Rs V 139,968Rs V 151,165Rs V
Security A 48,000Rs V 51,840Rs V 55,987Rs V 60,466Rs V
Security B 48,000Rs V 51,840Rs V 55,987Rs V 60,466Rs V
2,784,000R
. 3,006,720R
. 3,247,258R
. 3,507,038R
.a
Oa
A b PAYRO b b
Zouk n' Shok
Employee Payroll
IT / Comm. Manager
Per el
CFO
Assitant Finance
Floor Manager
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V
2010 2011 2012 2013
Security System by ADT 60,000Rs. 60,000Rs. 60,000Rs. 60,000Rs.
Link dot Net Internet and TV Connecti 60,000Rs. 60,000Rs. 60,000Rs. 60,000Rs.
Rent of Zouk n' Shok Site (7500 s c fee 3,600,000Rs. 3,600,000Rs. 3,600,000Rs. 3,600,000Rs.
3,720,000Rs. 3,720,000Rs. 3,720,000Rs. 3,720,000Rs.
Zouk n' Shok
Yearly Prepayments
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VI
$ d ,92 e ,000d e,f 00,000Rs.
d 2. e 0 g f e g
f 0 g
d 0 g
Initial 2010 2011 2012 2013
3,006,750)(Rs.
1,925,000)(Rs.
4,931,750)(Rs.
Operating Cash Flows Over the Project's Life:
Revenues
15,400,000Rs. 16,940,000Rs. 18,634,000Rs. 20,497,400Rs.
less: Expenses
6,930,000)(Rs. 7,623,000)(Rs. 8,385,300)(Rs. 9,223,830)(Rs.
6,504,000)(Rs. 6,726,720)(Rs. 6,967,258)(Rs. 7,227,038)(Rs.
13,434,000)(Rs. 14,349,720)(Rs. 15,352,558)(Rs. 16,450,868)(Rs.
Gross Profit 1,966,000Rs. 2,590,280Rs. 3,281,442Rs. 4,046,532Rs.
374,792)(Rs. 367,192)(Rs. 361,112)(Rs. 356,248)(Rs.
EBIT 1,591,208Rs. 2,223,088Rs. 2,920,331Rs. 3,690,284Rs.
179,238)(Rs. 140,240)(Rs. 92,920)(Rs. 35,502)(Rs.
636,483)(Rs. 889,235)(Rs. 1,168,132)(Rs. 1,476,114)(Rs.
815,721)(Rs. 1,029,476)(Rs. 1,261,053)(Rs. 1,511,616)(Rs.
EAT 775,487Rs. 1,193,613Rs. 1,659,278Rs. 2,178,668Rs.
374,792Rs. 367,192Rs. 361,112Rs. 356,248Rs.Payment of Debt 182,737)(Rs. 221,735)(Rs. 269,055)(Rs. 326,473)(Rs.
192,500)(Rs. 211,750)(Rs. 232,925)(Rs. -
446)(Rs. 66,293)(Rs. 140,868)(Rs. 29,775Rs.
775,041Rs. 1,127,319Rs. 1,518,410Rs. 2,208,443Rs.
2,562,175Rs.
1,547,407Rs.
4,109,582Rs.
Cash Flow 4,931,750)(Rs. 775,041Rs. 1,127,319Rs. 1,518,410Rs. 6,318,025Rs.
50,000Rs. 825,041Rs. 1,952,361Rs. 3,470,771Rs.
825,041Rs. 1,952,361Rs. 3,470,771Rs. 9,788,796Rs.
Beginning Cash Balance
Ending Cash Balance
Depreciation
Work. Cap
Operating Cash Flows
Terminal Year Cash Flows:Return of Operating Working Capital
Net Salvage Values
TotalTerm ination ofCash Flows
Interest Expenses
Tax
Revenues inYear 1
Variable Expenses as % of Revenu
Tax Rate on Net Income
Growth Rate of Revenue
Fixed Expense
Initial Inves tment in Wo rking Cap
Working Capital as % o f Revenue
Sales
Variable Expenses
Total Operating Expenses
Fixed Assets
Zouk n' Shok
Working Capital
WORKING CAPITAL
Investment Outlays at
Time Zero:
Cash Flow Details
Depreciation
Equity Analysis
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VII
15%
Yh
i r
p q q r q
p q 10 1
2011 2
2012 3
2013 4
NPV
s RR
15%
Yh
i r
2009 0
2010 1
2011 2
2012 3
2013 4
NPV
s RR
1,767,t
37)(Ru
v
w
v 6 x %
4,y y
,307Rs 0.5718 2,794,333Rs.
473,974Rs. 0.6575 311,646Rs.
88,129)(Rs. 0.8696 76,634)(Rs.
177,832Rs. 0.7561 134,467Rs.
4,931,750)(Rs.
PV F
4,931,750)(Rs.
673,949Rs.
B
W
t
Dis
Fi
r
Ci s Fl
s PVDF
Dis
Fi
r
Ci s Fl
s PVDF
1,127,319Rs. 0.7561
4,931,750)(Rs. 1.0000
775,041Rs. 0.8696
852,415Rs.
1,w
x 5,345Ru
v
w
3 v 16%
1,518,410Rs. 0.6575 998,379Rs.
6,318,025Rs. 0.5718 3,612,351Rs.
PV F
4,931,750)(Rs. 1.0000
15%
Y
r
2009 0
2010 1
2011 2
2012 3
2013 4
NPV
RR
S
i
lj
k
ik
Pl m
bn
bilito
NPV
10% 1,469,340Rs.
0.8696 701,401Rs.
PVDF PVCF
4
0%
1,162,046Rs. 0.7561 878,674Rs.
1,556,610Rs. 0.6575 1,023,496Rs.
6,641,884Rs. 0.5718 3,797,519Rs.
1,46
,340R
4,931,750)(Rs. 1.0000 4,931,750)(Rs.
B
tz
{
Discount Factor
Cas | Flows
806,611Rs.
} ~
in
tim
i }
Pl m
bn
blito
2.86E+10
S } n l
im
Best Case
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VIII
Initial 2010 2011 2012
50,000 s. 825,041 s. 1,952,361 s. 3,470,771 s.
65,000 s. 257,500 s. 469,250 s. 702,175 s.
15,000 s. 15,000 s. 15,000 s. 15,000 s.
1,920,000 s. 1,920,000 s. 1,920,000 s. 1,920,000 s.
2,050,000 s. 3,017,541 s. 4,356,611 s. 6,107,946 s.
190,000 s. 152,000 s. 121,600 s. 97,280 s.
612,000 s. 583,900 s. 555,800 s. 527,700 s.
100,000 s. 75,000 s. 50,000 s. 25,000 s.
419,000 s. 380,600 s. 342,200 s. 303,800 s.
898,750 s. 761,458 s. 624,167 s. 486,875 s.
10,000 s. 7,500 s. 5,000 s. 2,500 s.
180,000 s. 138,750 s. 97,500 s. 56,250 s.
25,000 s. 18,750 s. 12,500 s. 6,250 s.
72,000 s. 59,000 s. 46,000 s. 33,000 s.
500,000 s. 455,000 s. 410,000 s. 365,000 s.
3,006,750 s. 2,631,958 s. 2,264,767 s. 1,903,655 s.
,0
,
0
s.
,
9,
00
s.
,
21,
s.
,011,
01
s.
125,000 s. 125,000 s. 125,000 s. 125,000 s.
1,000,000 s. 817,263 s. 595,528 s. 326,473 s.
1,125,000 s. 942,263 s. 720,528 s. 451,473 s.
3,931,750 s. 3,931,750 s. 4,707,237 s. 5,900,850 s.
- 775,487 s. 1,193,613 s. 1,659,278 s.
3,931,750 s. 4,707,237 s. 5,900,850 s. 7,560,128 s.
0
0s
9
00s
21
s
011
01s
Current Assets:
Zou
ok
Balance Sheet
ASSET
Cash
nvent ry
Prepa dE
penses(N-1)
Non Current Liabilities:
upp erCred t
TOTAL
ENTASSE
Off ce upp es
K tchenEqu pment (N-3)
Cr ckery&Cutlery
Digital Cash Register
Aut m bile(N-7)
urniture, FixtureandOther(N
Client & erverEquipment (N-
Computer oft
are(Incl. yst
Fixed Assets:
AirConditioners(N-2)
TOTAL FIXEDASSETS
TOTALEQ ITY
Play ables(N-6)
LIABILITIES
Add:Net Profit
Current Liabilities:
Long-term liability
EQ ITY
Investment
TOTALLIABILITIES
Generator(N-8)
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IX
Long-Term Debt 1,000,000Rs.
Interest Rate 19.50%
Loan Period (Yr) 4
PMT 30,165Rs.
Month Payments Interest Prinicipal Unpaid BalanceBalance Paid
0 - - - 1,000,000Rs.
1 30,165Rs. 16,250Rs. 13,915Rs. 986,085Rs.
2 30,165Rs. 16,024Rs. 14,141Rs. 971,945Rs.3 30,165Rs. 15,794Rs. 14,371Rs. 957,574Rs.
4 30,165Rs. 15,561Rs. 14,604Rs. 942,970Rs.
5 30,165Rs. 15,323Rs. 14,841Rs. 928,129Rs.
6 30,165Rs. 15,082Rs. 15,083Rs. 913,046Rs.
7 30,165Rs. 14,837Rs. 15,328Rs. 897,719Rs.
8 30,165Rs. 14,588Rs. 15,577Rs. 882,142Rs.
9 30,165Rs. 14,335Rs. 15,830Rs. 866,312Rs.
10 30,165Rs. 14,078Rs. 16,087Rs. 850,225Rs.
11 30,165Rs. 13,816Rs. 16,348Rs. 833,877Rs.
12 30,165Rs. 13,550Rs. 16,614Rs. 817,263Rs. 182,737Rs.13 30,165Rs. 13,281Rs. 16,884Rs. 800,379Rs.
14 30,165Rs. 13,006Rs. 17,158Rs. 783,220Rs.
15 30,165Rs. 12,727Rs. 17,437Rs. 765,783Rs.
16 30,165Rs. 12,444Rs. 17,721Rs. 748,062Rs.
17 30,165Rs. 12,156Rs. 18,009Rs. 730,054Rs.
18 30,165Rs. 11,863Rs. 18,301Rs. 711,752Rs.
19 30,165Rs. 11,566Rs. 18,599Rs. 693,154Rs.
20 30,165Rs. 11,264Rs. 18,901Rs. 674,253Rs.
21 30,165Rs. 10,957Rs. 19,208Rs. 655,045Rs.
22 30,165Rs. 10,644Rs. 19,520Rs. 635,525Rs.23 30,165Rs. 10,327Rs. 19,837Rs. 615,688Rs.
24 30,165Rs. 10,005Rs. 20,160Rs. 595,528Rs. 221,735Rs.
25 30,165Rs. 9,677Rs. 20,487Rs. 575,041Rs.
26 30,165Rs. 9,344Rs. 20,820Rs. 554,220Rs.
27 30,165Rs. 9,006Rs. 21,159Rs. 533,062Rs.
28 30,165Rs. 8,662Rs. 21,502Rs. 511,559Rs.
29 30,165Rs. 8,313Rs. 21,852Rs. 489,708Rs.
30 30,165Rs. 7,958Rs. 22,207Rs. 467,501Rs.
31 30,165Rs. 7,597Rs. 22,568Rs. 444,933Rs.
32 30,165Rs. 7,230Rs. 22,934Rs. 421,999Rs.33 30,165Rs. 6,857Rs. 23,307Rs. 398,692Rs.
34 30,165Rs. 6,479Rs. 23,686Rs. 375,006Rs.
35 30,165Rs. 6,094Rs. 24,071Rs. 350,935Rs.
36 30,165Rs. 5,703Rs. 24,462Rs. 326,473Rs. 269,055Rs.
37 30,165Rs. 5,305Rs. 24,859Rs. 301,614Rs.
38 30 165Rs 4 901Rs 25 263Rs 276 350Rs
Zouk n' Shok
Amortization Table
8/9/2019 CAF NIA
29/29
Z o u k n S h o k
X
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