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Kamyab Jawan Youth Entrepreneurship Scheme - SMEDA

Mar 30, 2023

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Khang Minh
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Page 1: Kamyab Jawan Youth Entrepreneurship Scheme - SMEDA
Page 2: Kamyab Jawan Youth Entrepreneurship Scheme - SMEDA

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Page 3: Kamyab Jawan Youth Entrepreneurship Scheme - SMEDA

Cut Flower Farm Marble Mosaic Manufacturing FacilityGrapes Farm Marble Tiles Manufacturing UnitOff Season Vegetable Farming - High tunnelOff Season Vegetable Farming - Low tunnel Food & BeveragesRose Water Extraction Unit Bakery & Confectionery Strawberry Cultivation Ice Cream & Juice Parlor

Calf Fattening Farm Auto Repair & Service WorkshopDairy Farm - 15 Cows Beauty SalonGoat Fattening Farm Boutique - Women Designer WearInland Fish Farming Car Wash Service StationMeat Shop - Mutton and Beef Day Care CenterTilapia Aquaculture Distribution AgencySheep Fattening Farm Driving SchoolVeterinary Clinic Florist Shop

Footwear Retail OutletGenset Repairing WorkshopInterior Designing and Landscaping

CAD for Furniture Design Laundry & Dry CleaningFurniture Manufacturing Unit - Wooden Medical StoreRoof Tiles Manufacturing Unit - Light Weight Montessori SchoolUPS and Stabilizer Assembling Unit Packing and Moving Service

Pick and Drop ServiceSub-contract Workshop

Animation Production FacilityGaming Zone

Indicative List of Businesses for Kamyab Jawan Youth Entrepreneurship Scheme

Engineering and Manufacturing

Information Technology

Dairy & Livestock Services

MineralsAgriculture and Fruit Processing

Page 4: Kamyab Jawan Youth Entrepreneurship Scheme - SMEDA

Annexure – 2

Kamyab Jawan Progamme

Youth Entrepreneurship Scheme

Criteria & Eligibility

A. Loans provided through the Program are segregated in two tiers: Tier 1 loans fall in the range of Rs. 100,000 to Rs. 500,000

Tier 2 loans fall in the range of Rs. 500,000 to Rs. 5,000,000.

B. Mark up for Working Capital & Term Loans: Tier 1 loans: 6% per annum fixed for borrower.

Tier 2 loans: 8% per annum fixed for borrower.

C. Tenure of loans Upto 8 years, with maximum a grace period of upto one year.

D. Security Requirements will be as follows: For Tier 1 loans only personal guarantee of the borrower is required

Security requirements for Tier 2 loans will be as per bank’s own credit policy

E. Applicants contribution For Tier 1 loans applicant will contribute 10% equity with 90% financing through bank loan.

For Tier 2 loans applicant will contribute 20% equity and 80% financing through bank loan.

F. Eligible sectors All sectors are eligible

G. Age Limit For Tier 1 and Tier 2 Loans, Age Limit is 21-45 years at the time of form submission. In case of IT or Computer related businesses, minimum age limit is reduced to 18 years.

H. Application form

Loan applications can only be made through Kamyab Jawan Portal on the following address:

www.kamyabjawan.gov.pk.

Page 5: Kamyab Jawan Youth Entrepreneurship Scheme - SMEDA

Annexure – 3

Guidelines on Developing an Effective Business Plan

1. What is a business plan and how it helps? a. It is the face of your business; It helps to attract clients, investors and strategic

partners b. It is a living document; You should review it after any change in external or internal

factors c. First step for fine tuning your ideas for practical implementation into a functioning business d. Acts as a ‘How to’ guide for running your business e. Helps you map options for best and worst case scenarios

2. How to develop a business plan? a. Know your business: Research your market, product / service, target customer b. Create your identity: Company/ Business mission, vision c. Structure your thoughts: Write your business plan

3. Key features of a good business plan Think about the following before and after you’ve written every section: a. Description of your project and product b. Marketing Plan: Product, customer profile, distribution channel and proposed

location, pricing, promotion and advertising. c. Operational Plan: Production, location, Inventory, Credit, Payables d. Management and Organization: Competitive strengths, Legal form and structure e. Startup Expenses an Capitalization: Estimating Pre Ops, Contingencies and unforeseen f. Financial Plan: Recommend using professional help for Income Statement, Balance

Sheet and Cash flow g. Appendices; Advice on appending useful written materials to Business Plan h. Refining the Plan; Advice on how to create a plan specifically suited to the applicant’s

business

4. Who will develop a business plan?

a. The entrepreneur may use professional help however we strongly advise the entrepreneurs to do it themselves

b. Technical advice from private sector experts / Govt. institutions, listed on SMEDA’s website.

5. How SMEDA can help a. Provide guidelines and explain how to develop a business plan. Refer to a related pre-

feasibility b. Refer to government institutions, private sector experts / institutions, secondary resource

materials, SMEDA website www.smeda.org

Note: Business plan Guide is attached for your guidance and assistance

Page 6: Kamyab Jawan Youth Entrepreneurship Scheme - SMEDA

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