master file - final
TRANSCRIPT
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To: Sir Fazal
By:
Omar Mansoor 14528
Aban Ali 14509
Yasir Shi!h 14909
Mariam Sha"# 144$$
%a&ood Khan 14810
'a"z Bilal 141(5
)h*lam M*hammad Mmon
Business Plan - Strategic FinancialServices
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Tabl o+ ,on-n-s
Executive Summary......................................................................6
Company Description....................................................................6
Company History........................................................................7
Mission Statement......................................................................7
Prouct an Services..................................................................7
Current Status............................................................................!
"egal Status an #$ners%ip.......................................................&
'ey Partners%ips.........................................................................&
(nustry )nalysis.........................................................................*+
(nustry Si,e ro$t% /ate an Sales Pro0ection.......................*+
(nustry Structure.....................................................................**
1%reat o2 3e$ Entrants...........................................................**
1%reat o2 Su4stitutes..............................................................**
/ivalry amongst 5rms............................................................*
Bargaining Po$er o2 Buyers....................................................*
Bargaining Po$er o2 Suppliers................................................*
PES1 )nalysis.........................................................................*
S8#1 )nalysis.......................................................................*9
3ature o2 Participants...............................................................*:
'ey Success Factors..................................................................*:
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(nustry 1rens an "ong 1erm Prospects.................................*6
Mar;et )nalysis...........................................................................*7
Mar;et Segmentation..................................................................*!
eograp%ic...............................................................................*!
Demograp%ic............................................................................*!
By )ge.................................................................................... *!
/ace.......................................................................................*!
Sex.........................................................................................*&
Psyc%ograp%ic..........................................................................*&
1arget Mar;et Selection...............................................................+
eograp%ic...............................................................................+
Psyc%ograp%ic..........................................................................+
"evel o2 Eucation..................................................................+
Socioeconomic Status............................................................+
Sex.........................................................................................+
/ace.......................................................................................+
By )ge.................................................................................... +
Buyer Be%avior...........................................................................*
Competitor )nalysis....................................................................
Mar;eting Plan............................................................................
Mar;et Summary......................................................................
Mission.....................................................................................
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Mar;eting #40ectives................................................................
Positioning................................................................................
#verall Mar;eting Strategy.........................................................9
Mar;eting Mix..............................................................................:
Prouct.....................................................................................:
Price.........................................................................................:
Promotion.................................................................................:
Distri4ution...............................................................................6
Management 1eam an Company Structure................................7
Management 1eam...................................................................7
#mar Mansoor........................................................................7
)4an )li..................................................................................7
%ulam Mu%amma Memon..................................................!
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%ulam Mu%amma...............................................................*
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./*-i S*mmary
Strategic Financial Services is a 5nancial services company in
Pa;istan. "ocate in 'arac%i Strategic Financial Services aims to
o@er a %ost o2 5nancial services 4ot% create 4y an 2or
entrepreneurs. Suc% services inclue 4ut are not limite to cas%
management services transaction %anling 4oo; A recor
;eeping an 4an;ing relations. 1%is 4usiness plan communicates
our vision p%ilosop%y an plan 2or a 4etter stronger an more
economically soun Pa;istan.
?sing ;ey success 2actors incluing 4ut not limite to =uality an
lo$ price o2 5nancial services ecient mar;eting =uic; turnover
customi,a4le services an exi4ility o2 payment $e pro0ect an
average net pro5t over t%e next t%ree years o2 approximately /s.
:7+++ per year.
,omany %sri-ion
Strategic Financial Services is a Pa;istani company proviing
superior 5nancial management services to entrepreneurs at
%ig%ly competitive prices. Foune in +*6 4y a group o2 stuents
2rom t%e (nstitute o2 Business Management t%e company $ill
ensure 4ot% t%e promotion o2 Pa;istans entrepreneurs an t%ose
o2 its s%are%olers. Strategic Financial Services currently %as
seven employees an one mentor $%o serves on t%e 4oar o2
avisors.
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1%e company aims to %elp ne$ entrepreneurs gain 4etter traction
$it% experience 5nance pro2essionals. 1%e company $ill provie
all 5nancial services re=uire 4y a 5rm suc% as Cas%
Management Boo; ;eeping 4an;ing relations etc.
1%is company is uni=ue 4ecause it i@ers su4stantially 2rom t%e
$ay most existing companies t%at provie suc% services operate.
1%e team inclues a %ost o2 experience iniviuals $%o are
entrepreneurs t%emselves.
Strategic Financial Services %as 4een 2oune 4y entrepreneurs
$%o %ave in-ept% ;no$lege o2 all aspects concerning 5nancial
management sales mar;eting an investment organi,ations an
operations. (n t%e near 2uture pro2essional talent $ill 4e ac=uire
an retaine 4y o@ering ;ey iniviuals an pro2essionals.
,omany 'is-ory
Strategic Financial Services $as 2oune in +*6 4y a group o2 stuents 2rom t%e (nstitute o2 Business Management as part o2
t%eir Entrepreneurs%ip an Small Business Management 1erm
Pro0ect. 8%at starte as a simple pro0ect turne into a massive
opportunistic venture t%at set in motion an entrepreneurial nuge
t%at $ill s;yroc;et Pa;istans entrepreneurial aoption an gro$t%
rate.
Mission S-a-mn-
Strategic Financial Services is committe to %elping entrepreneurs
manage t%eir capital an 5nances in t%e 4est $ay %elping 4ot%
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t%em an our s%are%olers gro$ $it% an in t%e communities $e
serve an 4ecome t%e 4est entrepreneurial 5nancial management
company.
3rod*- and Sris
8e $ill provie a %ost o2 4ot% stanar an customi,e
5nancial services to small an upcoming 4usinesses. Here is
a 4asic overvie$ o2 t%e prouct an services o@ere 8e $ill %anle all t%e cas% on t%e small start ups so t%at
t%ey $ont %ave to $orry a4out %o$ t%eyre going to manage
t%eir cas% t%at is loans or creit collection.
8e $ill also loo; over an maintain our clients transactional
recors. Proviing t%em t%e 4oo; an recor ;eeping
services $%ere $e $ill recor t%e ay-to-ay 5nancial
transactions o2 a 4usiness responsi4le 2or $riting
t%e ay4oo;s $%ic% contain recors o2 purc%ases sales
receipts an payments.
8e $ill 4e responsi4le 2or ensuring t%at all transactions are
recore in t%e correct ay4oo; suppliers leger customerleger an general leger. #ur company $ill also 2ocus on
t%e 4an;ing relations o2 t%e company.
"Cs $ill 4e issue $%en ealing $it% 2oreign clients.
8e $oul provie our clients $it% t%e option o2 letting us
invest t%eir ile cas% in various investment avenues
epening upon t%e level o2 ris; t%ey are $illing to ta;e.
1%at is to say t%ey are ris; ta;ers an $e $oul invest in t%estoc; mar;et.
Ho$ever i2 t%ey are ris; averse t%en $e $ill invest in lo$
ris; government 4ons. )n also $e $ill %elp t%e
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entrepreneurs at t%eir 5nancing o2 e5cits t%roug% various
means.
,*rrn- S-a-*s
#ur company is set an $ill launc% 4y *st May +*6. )s suc%
$%ile t%e company is currently up an running ue to planning
an minor evelopmental nees mar;eting an sales services
%ave yet to 4egin.
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al S-a-*s and O&nrshi
Due to t%e num4er o2 iniviuals involve an t%e relative nature
o2 t%e 4usiness Strategic Financial Services is registere as a
"imite "ia4ility Partners%ip. )s suc% our lia4ilities are limite to
t%e amount $e plan to invest in t%e 4usiness.
#$ners%ip percentages $ill 4e split evenly among entrepreneurs.
Ho$ever since t%e main iea 2or t%e 5rm originate 2rom #mar
Mansoor )4an )li an Da$oo '%an t%ey $ill %ave a *:G s%are
eac% $it% t%e exception o2 #mar since %is %ome an its relateresources are 4eing use. 1%ere2ore o$ners%ip as a percentage
o2 e=uity is as 2ollo$ing
#mar Mansoor - +G
)4an )li - *:G
Da$oo '%an - *:G
Mariam S%a5= *.:G
Ha5, Bilal *.:G
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6nd*s-ry Analysis
6nd*s-ry Siz7 )ro&-h a- and Sals 3ro-ionFinancial services are t%e economic services provie 4y t%e
5nance inustry primarily 4y t%e 4an;ing sector. 1%is inustry
comprises o2 4an;s insurance companies creit unions
accountancy companies consumer-5nance companies
investment 2uns an some government-sponsore enterprises.
#ur companys primary 2ocus is on t%e 5nancial management
aspect o2 t%e 5nancial services. Ho$ever our company $ill also
provie ot%er 5nancial services suc% as investing ile cas% an
issuing ""Cs. 8e are targeting a nic%e in t%e 5nancial services
inustry an our main target $oul 4e ne$ entrepreneurs $it%
small startup 4usinesses. Hence our 4usiness can 4e 4roaly
consiere as an application o2 4lue ocean strategy. Blue oceanstrategy is t%e simultaneous pursuit o2 i@erentiation an lo$ cost
to open up a ne$ mar;et space an create ne$ eman.
1%ere are *! 4usiness anIor general universities t%at o@er t%e
entrepreneurs%ip course in 'arac%i. /esearc% estimates +G o2
grauates $ill 4ecome entrepreneurs. 8it% an average grauate
num4er o2 ++ stuents per year t%is means 6+ stuents 2romeac% university $ill 4ecome entrepreneurs. 1%is 4rings t%e gran
total o2 ne$ 5rms in 'arac%i every year up to *+!+ 5rms. (2 our
company c%arges a minimum o2 P'/. :+++ to eac% 5rm t%e
Strategic Financial Services Page **
https://en.wikipedia.org/wiki/Accountancyhttps://en.wikipedia.org/wiki/Consumer_financehttps://en.wikipedia.org/wiki/Investment_managementhttps://en.wikipedia.org/wiki/Government-sponsored_enterprisehttps://en.wikipedia.org/wiki/Accountancyhttps://en.wikipedia.org/wiki/Consumer_financehttps://en.wikipedia.org/wiki/Investment_managementhttps://en.wikipedia.org/wiki/Government-sponsored_enterprise
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current revenue stans at P'/. 7 million. 1%is is t%e estimate o2
'arac%i t%at $oul 4e ourinitial target mar;et.
6nd*s-ry S-r*-*r
Thra- o+ & .n-ran-s
(nustries are more attractive $%en t%e t%reat o2 ne$ entrant is
lo$. Since our company plans to provie exclusive 5nancial
services to small startup services t%ere is a %ig% pro4a4ility t%at
competitors $oul enter into t%e mar;et an provie similar
services to our target mar;et. Ho$ever t%ere are a num4er o2 $ay t%roug% $%ic% $e can ma;e %ig% 4arriers to entry.
8e can reac% out to our target mar;et t%roug% mar;eting
campaigns on plat2orms t%at is accessi4le to ne$ entrepreneurs.
(nitially our main ?SP $oul 4e to give t%e 4est services at t%e
most reasona4le prices. 1%e strategy t%at $e $oul aopt $oul
4e t%e cost leaers%ip strategy. 1%e cost 2actor is important 2orstart-up 5rms $%o are our main target mar;et.
Thra- o+ S*bs-i-*-s
(nustries are more attractive $%en t%ere is less t%reat 2rom
su4stitutes availa4le. (n t%e case o2 our 4usiness t%ere are a
num4er o2 su4stitutes availa4le t%at provie similar services.
Ho$ever it is important to note t%at t%ese are not real su4stitutes
2or t%e services provie 4ut possi4le inirect su4stitutes t%at are
accesse normally as a part o2 a i@erent re=uire service. 1%ese
are
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Ban;s
Speciali,e 5nancial management companies
(niviually %ire pro2essionals
3one o2 t%ese institutions concentrate speci5cally on t%e 5nancialservices t%at $e are proviing an t%eir target mar;et is i@erent
2rom ours. Ho$ever t%ey $oul still 4e strong su4stitutes o2 our
services.
ialry amons- "rms
#ur company is catering a nic%e an o@ering exclusive 5nancial
service an %ence $e o not %ave any irect competitors in t%e
mar;et. 1%ere is only inirect competition 2rom institutions suc%
as 4an;s insurance companies an accountancy companies $%o
provie t%ese 5nancial services as extras or a-ons. Since t%e
gro$t% rate o2 t%e 5nancial service inustry is %ig% $e can
expect rivalry in t%e 2uture.
Barainin 3o&r o+ B*yrs
)n inustry is more attractive $%en t%e 4argaining po$er is lo$.
Buyers can suppress t%e pro5ta4ility o2 t%e 5rms 4y emaning
lo$ prices an %ig% =uality services.
Ban;s an ot%er main 5nancial services institutions o not
consier ne$ entrepreneurs as t%eir main target. Hence ne$
entrepreneurs $oul %ave limite options le2t an t%e most
attractive one $oul 4e our company. #ur company $ill ai t%em
2or t%eir smoot% startup an eal $it% all t%eir 5nance relate
%assles. )lso t%e cost 2actor is important to ne$ entrepreneur
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an $e $oul 4e proviing t%em services at a lo$ cost. Hence $e
can conclue t%at t%e 4argaining po$er o2 4uyers $oul 4e lo$.
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Barainin 3o&r o+ S*lirs
(nustries are consiere to 4e more attractive $%en t%e
4argaining po$er o2 suppliers is lo$. #ur company is proviing a
service an %ence t%e scope o2 4argaining po$er o2 supplier
iminis%es. 1%e s$itc%ing cost o2 4uyers $oul 4e %ig% as our
company $oul 4e proviing goo =uality services at t%e most
reasona4le prices. 8e can conclue t%at t%ere $oul 4e no
attractive su4stitutes 2or our target mar;et. 8e can conclue t%at
t%e 4argaining po$er o2 supplier is lo$.
,om-i-i +ors o& Mdi*m 'ih
Thra- o+ & .n-ran-
Thra- o+ S*bs-i-*-s
ialry amons- Firms
Barainin o&r o+
b*yrs
Barainin o&r o+
S*lirs
)s suc% t%e inustry structure is 2avora4le an our since $e %ave
a 5rst mover avantage our company is %ig%ly li;ely to t%rive in
t%is ne$ inustry.
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3.ST Analysis
Political Factors
Jolatile political environment o2 Pa;istan unsta4le government
an t%reat o2 terrorism $%ic% %as a %uge impact on t%e 5nancial
service inustry.
Economic Factors
Hig% rate o2 ination an interest rate can a@ect investment. (2
t%ere is a %ig% level o2 interest rate t%en potential entrepreneur
$oul rat%er save t%eir money t%an invest in 4usinesses an vice
versa.
1%e %ig% rate o2 ination also ma;es it icult 2or ot%er 5rms to
survive in t%e mar;et.
(ncreasing eman 2or proucts is increasing t%e opportunity 2or
ne$ entrepreneurs to evelop 4usinesses.
Social Factors
(ncrease in living stanars o2 people in Pa;istan an t%e rising
population rate in Pa;istan an increasing rate o2 unemployment
4ot% %elp promote t%e inustry as an increasing num4er o2
iniviuals loo; to$ars entrepreneurs%ip to solve t%eir 5nancial
pro4lems.
Technological Factors
Development o2 ne$ an upgrae so2t$are $oul ma;e 5nancial
management easier. (ncrease in tec%nology t%at is giving rise to
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e-commerce an proviing opportunity 2or ne$ 4usinesses to set
up.
S;OT Analysis
Strengths
#ption o2 exi4ility o2 payments 2or customers.
"o$ cost c%arge 2or services.
#ption 2or customer to customi,e t%e services accoring
to t%eir nees. Expert team t%at unerstan t%e nees o2 t%e customers.
Weaknesses
Crei4ility $oul 4e lo$ initially as our company $oul 4e
ne$ in t%is 5el. "ac; o2 experience investment pro2essionals t%at $oul
ma;e t%e investment ecisions.
Opportunities
Huge mar;et gap 2or support services.
Ban;s o not cater to t%e clients speci5c nees.
1%ere are %ig% gro$t% rates o2 startup 4usinesses inPa;istan $%o are our main target mar;et.
3e$ entrepreneur lac;s t%e expertise to per2orm t%ese
5nancial services. 1%ey also %ave limite 5nancial resource to go to
institutions li;e 4an;s 2or t%ese services.
Threats
1%ere are a lot o2 inirect competitors present in t%e
inustry t%at o@er similar services.
a-*r o+ 3ar-iian-s
1%e 5nancial service inustry can 4e terme as an emerging
industry $%ic% %as great potential to ouris%. #ur company is
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striving to ma;e a ne$ mar;et 2or itsel2 $it%in t%e 5nancial
service inustry. Hence $e can say t%at $e $oul %ave t%e 5rst-
mover avantage 2or ourselves.
Ky S*ss Fa-ors
'ey success 2actors o2 t%is inustry inclues
Kuality o2 5nancial services
Cost o2 services
/is; 2actor
Crei4ility o2 t%e 5rm
Mar;eting
Customi,e services
Flexi4ility o2 payment
6nd*s-ry Trnds and on Trm 3ros-s
;hils- 3a!is-an
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institutions suc% as 4an;s to see; 5nancial services %as increase
over t%e years. Hence $e can conclue t%at our company %as a
%uge potential 2or gro$t% $it%in t%e 5nancial service inustry.
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Mar!- Analysis
(n Pa;istan an increasing num4er o2 citi,ens are c%oosing to
4ecome entrepreneurs. 1%is is 2unamentally 2uele 4y primary
reasons
1> 1%e ina4ility to 5n 0o4s2> Become t%eir o$n 4oss?> Financial incentives
8%ile an increasing num4er o2 stuents $ant to 4ecome
entrepreneurs over *G 4elieve t%ey $ill 2ail in Lalmost &G in
'arac%i alone an t%us eit%er 2ail or =uit $it%in 6 mont%s or o
not start a 4usiness. #ne o2 t%e primary reasons 2or 2ailure ot%er
t%an t%e 2ear o2 it is relate to 5nancing anIor its management.
8%en it comes to 5nancial management services t%ere are
essentially routes most entrepreneurs ta;e. 1%ese inclue
1> Hiring an experience 5nancial manager at a very %ig% cost2> )c=uiring stanar services 2rom a 4an;?> Provie e=uity to an associate in return 2or s$eat capital in
t%e 2orm o2 5nancial management
?n2ortunately none o2 t%e truly unerstan entrepreneurs%ip
4eyon t%e aspect o2 a Nris;y 4usinessN $%ic% creates pro4lem
2or t%e mar;et.
1%us t%e mar;et 2or entrepreneurial 5nancial management
services is a rapily gro$ing mar;et t%at %as not 4een properly
tappe.
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Strategic Financial Services Page *
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Mar!- Smn-a-ion
)orahieograp%ically t%e population o2 Pa;istan is locate accoringly
'arac%i O*.& million
"a%ore O7.6 million
Faisala4a O.+ million
/a$alpini O. million
Multan O*.! million
(slama4a O+.& million
%morahi
By A
(n t%e current mar;et young entrepreneurs lie commonly in t%e
2ollo$ing age 4rac;ets
*!-:
+-9:
::
a
8%ile $e $ill not iscriminate 4ase on race t%e 2ollo$ing race
4rac;ets exist in Pa;istan
Pun0a4i O99.7G
Pas%tun LPat%an
O*:.9G
Sin%i O*9G
Sarai;i O!.9G Mu%a0irs O7.6G
Baloc%i O.9G
#t%er O6.G
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S/
8%ile $e $ill not iscriminate 4y sex t%e 2ollo$ing sex
4rac;ets exist in Pa;istan
+-*9 years OG Lmale :&:&9&I2emale *7&7766
*:-9 years O*G Lmale *!+6*7I2emale +96*!9
:-:9 years O:G Lmale 6&+**&I2emale 6&:
::-69 years O:G Lmale :++!6!*I2emale :+9*99
6: years an over O9G Lmale &:**&+I2emale 99&++9:
Ho$ever stuies %ave s%o$n t%at in Pa;istan more men are
incline to$ars entrepreneurs%ip t%an are $omen. )s suc%
$%ile $e $ill not iscriminate $e 5n it necessary to
mention t%at men are more li;ely to 4e selecte 4ecause o2
t%eir generally larger proportion.
3syhorahi
Psyc%ologically our primary concern is $it% t%e attituinal
4asis o2 t%e young entrepreneurs o2 Pa;istan. (n Pa;istan
t%ere are generally ma0or attituinal categories associate
$it% entrepreneurs%ip. 1%ese are attitues
Favoring entrepreneurs%ip LO:G
Fear2ul o2 entrepreneurs%ip LO6:G
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Tar- Mar!- Sl-ion
)orahi 8it% t%e rapi increase in entrepreneurs in 'arac%i over
:+Iyear an t%e location o2 t%e 2ouners $e 2eel it is 5t to
target t%e entrepreneurs in 'arac%i.
3syhorahi
l o+ .d*a-ion 8e $ill target entrepreneurs $%o %ave complete at least
t%eir intermeiate-level eucation. Suc% stuents usually
progress 2or$ar $it% eucation an start a 4usiness later or
c%oose to start a 4usiness a2ter intermeiate eucation.
Soioonomi S-a-*s
Most entrepreneurs 2rom SEC ) o not nee entrepreneurial
5nancial management services as t%ey possess t%e 5nancial
4ac;ing or eucation to manage it t%emselves or c%oose a
%ig%ly pro2essional an expensive 5nance manager. 8e $ill
target young entrepreneurs 2rom SEC B an C as t%ey %ave
t%e tenacity 2or entrepreneurs%ip an usually re=uire an as;
2or 5nancial %elp.
S/
8e $ill not iscriminate 4ase on sex.
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a
8e $ill not iscriminate 4ase on race.
By A
Consiering t%e entrepreneurial an population
emograp%ics $e 2eel t%e *!-: an +-9: age groups
are ieal.
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B*yr Bhaior
(n our 4usiness our 4uyers are essentially t%e clients $e $ill
provie 5nancial management services to. )s suc% our
4uyers 4e%ave rat%er interestingly. Startups generally lac;
t%e 5nancial expertise to %anle t%eir 5nances an t%us
t%eir 4e%avior tens t%em to loo; to$ars traitional
solutions. 1%ey ten to c%oose solutions incluing
Commercial 4an;ing
Financial management companies
Hiring a 5nancial executive
Bringing a 2rien onto t%e team an proviing Qs$eat e=uityR
instea o2 paying t%em
1%e pro4lem is t%at t%ey ;no$ t%ey $ill get rat%er stanar
an simplistic services 2rom almost any commercial 4an;
t%ey c%oose.
1%ey ten to steer clear o2 expensive 5nancial management
companies espite t%eir exceptional level o2 services. 1%is is
primarily 4ecause t%ey ;no$ t%ey are a startup t%at nees to
4ootstrap an t%us t%is option contraicts it.
Hiring a 5nancial executive is a smarter ecision 4ut
4usinesses ten to %ire executives or * manager $%ic%
usually necessitate mont%ly payments o2 up to /s. *+++++.
Many entrepreneurs ten to 4ring a 2rien on t%eir team to
overcome t%e a4ove issue 4ut t%is causes a loss in e=uity
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control an o2ten a ma0or cause 2or isagreements an
2ailure.
,om-i-or Analysis
Because Strategic Financial Services is t%e 5rst o2 its ;in
t%ere really are no irect competitors 2or t%e 4usiness. 8%ile
4an;s an 5nancial management companies C)3 4e t%oug%t
o2 as inirect competition it nees to 4e unerstoo t%at
t%ese are not competitors 4ut rat%er su4stitutes.
)s suc% t%ere really are no competitors 2or Strategic
Financial Services. )s suc% currently no competitor analysis
is re=uire.
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Mar!-in 3lan
Mar!- S*mmary #ur mar;et consists o2 men an $omen 2rom SEC B an C
$%o %ave complete at least t%eir intermeiate-level
eucation an live anIor plan to start an operate t%eir
4usiness in 'arac%i. 1%is represents a mar;et segment t%at
gro$s at roug%ly &G a year.
Mission
Strategic Financial Services is committe to %elping
entrepreneurs manage t%eir capital an 5nances in t%e 4est
$ay %elping 4ot% t%em an our s%are%olers gro$ $it% an
in t%e communities $e serve an 4ecome t%e 4est
entrepreneurial 5nancial management company.
Mar!-in Ob-is
1o ac%ieve at least an increase in clients 4y *+G every year
1o rapily gro$ 4ran a$areness 4y at least 7:G an ensure
top o2 min recognition $it%in *! mont%s "aunc% at least ne$ 4uilt pac;ages an customi,a4le
pac;ages every year 1o target an launc% customers in at least one ne$ city
every years Proviing s%are%oler $ealt% o2 at least /s. :+++ $it%in
years
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3osi-ionin
Strategic Financial Services aims to position itsel2 as a
2rienly a@ora4le an pro2essional 5nancial management
company 4uilt 4y entrepreneurs 2or entrepreneurs.
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Orall Mar!-in S-ra-y
#ur strategy $ill 4e 4ase on communicating Strategic
Financial Services ?SP an value to our c%osen segment o2
t%e mar;et using numerous pu4licity-4ase an avertising
met%os.
1%e *st inclues online avertising using PPC an social
meia posts 4ot% sponsore an pu4licity-4ase. Posts $ill
initially 4e targeting 4usiness universities 2or t%e 5rst
mont%s to 4ot% gro$ interest an con5ence in 4uing
entrepreneurs $%ile increasing a$areness an recognition.
1%ese inclue (oBM (=ra an S)B(S1.
)not%er source o2 mar;eting $ill 4e one $it% strategic
relations%ips $it% incu4ators suc% as PTSH) tec% incu4ator.
1%is $ill 4ot% serve as promotion an ac=uisition purposes. 1%e primary reason 2or targeting suc% incu4ators is t%e $ie
range o2 iniviuals an teams $%o align $it% our
emograp%ics.
(n t%e 5rst year avertising $ill 4e ;ept to a minimum o2 /s.
*+++++ $%ic% $ill primarily 4e 2or sponsore social meia
posts an PPC.
8it%in t%e 5rst year our overall mar;eting strategy is to
increase a$areness an recognition $it%in t%e 5rst mont%s
o2 operations to %elp ac=uire at least 9 clients $it%in t%at
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time an aim 2or at least * 4y t%e en o2 t%e 5rst *
mont%s.
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Mar!-in Mi/
3rod*- #ur current range o2 proucts stans atCas% Management
Services
1ransaction Hanling
Boo; A /ecor 'eeping
Ban;ing /elations
"etter o2 Creits L"Cs
(nvesting excess cas% Financing e5cits
3ri
1%e pricing strategy $ill initially revolve aroun 9 pac;ages
as etaile in t%e 4usiness moel. 1%e minimum price o2
eac% pac;age $ill 4e set at /s. :+++ an $ill c%ange
epening on t%e services ae.
3romo-ion
1%e *st inclues online avertising using PPC an social
meia posts 4ot% sponsore an pu4licity-4ase. Posts $ill
initially 4e targeting 4usiness universities 2or t%e 5rst
mont%s to 4ot% gro$ interest an con5ence in 4uing
entrepreneurs $%ile increasing a$areness an recognition.
1%ese inclue (oBM (=ra an S)B(S1.
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)not%er source o2 mar;eting $ill 4e one $it% strategic
relations%ips $it% incu4ators suc% as PTSH) tec% incu4ator.
1%is $ill 4ot% serve as promotion an ac=uisition purposes.
1%e primary reason 2or targeting suc% incu4ators is t%e $ie
range o2 iniviuals an teams $%o align $it% our
emograp%ics.
(n t%e 5rst year avertising $ill 4e ;ept to a minimum o2 /s.
*+++++ $%ic% $ill primarily 4e 2or sponsore social meia
posts an PPC. 1%is $ill also inclue :+ small yersImini
4roc%ures 2or %anouts at incu4ator events.
%is-rib*-ion
#ur current istri4ution c%annels inclue
Social Meia
#nline Searc% Engines
?niversities
(ncu4ators
8or o2 Mout%
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Manamn- Tam and ,omany
S-r*-*r
Manamn- Tam
Omar Mansoor
#mar Mansoor is a young entrepreneur $%o is t%e %ea o2
t%e company. #mar is a multi-talente iniviual $it% years
o2 experiencing managing large pro0ects teams an
resources to ensure organi,ational eciency in exceeing
organi,ational goals. He speciali,e in 4ot% H/ an
mar;eting an $ill complete %is BB)LH in +*6. He is
passionate a4out ma;ing an impact in society an giving
4ac; to it. He spens %is 2ree time reaing 4oo;s playing
games or en0oying some time $it% %is 2amily.
Aban Ali
is t%e CF#. He speciali,es in 5nancial management. He is a
top grauate o2 a leaing 4usiness sc%ool.
)4an )li is a young aspiring entrepreneur $%o %eas t%e
5nance ivision o2 t%is ne$ upcoming entrepreneurial
venture as CF#. )4an is a %ar $or;ing an pro5cient
iniviual $%o speciali,es in corporate 5nance an e=uity
investments.
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He is currently pursuing a BB) LH egree 2rom (oBM in
aition to completing %is CF) examinations.
His %o44ies inclue reaing 4oo;s an ne$spapers $atc%ing
movie an spening time $it% %is 2amily. He also %as a ;een
interest in an regularly 2ollo$s ;ey international
evelopments 4ot% political an 5nancial.
)h*lam M*hammad Mmon
He is loo;ing a2ter t%e %uman resource o2 t%e organi,ation
an speciali,es in conict management. He is a top grauateo2 a leaing 4usiness sc%ool.
%ulam Mu%amma is a young entrepreneur $%o %eas t%e
Human resource epartment. He %as $or;e in Pa;istan
State #il an in )s;ari Ban; as an intern. He is passionate
a4out 4ringing a c%ange in Pa;istani society an 2or t%at %e
%as 4een $or;ing $it% 1CF as a volunteer since +*9. He $ill
complete %is BB)LH in May +*6. He en0oys reaing 4oo;s
$atc%ing movies an playing s=uas%.
Yasir Shi!h
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'a"z Bilal
Mr. Bilal )n$er is an energetic an ynamic entrepreneur
an leaer $%ose ;ey areas are mar;eting an c%annel
management. He serve in Ma;e-a-$is% 2ounation Broo;es
P%arma Ha4i4 Metropolitan Ban; "1D an BAB Securities
"1D as a proli5c intern an in )(ESEC as $ell. He $ill
complete %is BB)LH in +*6.
He is passionate a4out mar;eting ynamics long-term
trens an t%e unexplore. His %o44ies inclue travelling
s$imming an reaing.
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Mariam Sha"#
)m4itious eicate an a true leaer Mariam S%a5=
serves Strategic Financial Services as t%e %ea o2 t%e
mar;eting epartment. )n aspiring entrepreneur Mariam
$or;s $it% Ha5, Bilal to ensure t%e 5rm remains t%e mar;et
leaer an gro$s year 4y year. Mariam speciali,es in
avertising mar;et researc% an content evelopment. (n
%er 2ree time s%e spens time $it% %er 2amily an 2riens
an en0oys reaing.
%a&ood Khan
Da$oo '%an is a 4rig%t young entrepreneur $%o 4rings to
Strategic Financial Services years o2 experience $or;ing at
i@erent 5nancial an supply c%ain 5rms. Polis%ing %is s;ills
in 4ot% %uman resources sales an supply c%ain
management Da$oo 4rings a vast s;ill set in multiple
isciplines giving %im crucial analytical s;ills an ma;es %im
ieal as t%e Director Sales. He $ill complete %is BB)LH in
+*6.
He is passionate a4out ma;ing an impact in society an
giving 4ac; to it. He spens %is 2ree time reaing 4oo;s
playing games or en0oying some time $it% %is 2amily.
Board o+ %ir-ors
*. #mer Mansoor. )4an )li.
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9. Mariam S%a5=:. Da$oo '%an6. Ha5, Bilal7. %ulam Mu%amma Memon
Board o+ Adisors
;a#as Ahmd Siddi#*i
8a=as )%me Sii=ui %ols an MB) LFinance 2rom t%e
(nstitute o2 Business )ministration an %as cleare all %is
CF) exams. 8it% years o2 experience uner %is 4elt at
numerous 4an;s suc% as HB" an 3ational 4an; an
running %is o$n igital mar;eting 5rm Mr. Sii=ui 4rings %isexpertise an s;ills to Strategic Financial Services as a
truste avisor.
Saad @ad
Saa >ave %ols an MB) LMar;eting 2rom (nstitute o2
Business )ministration. 8it% years o2 experience at Dollar
(nustries ?nion Biscuit etsol.com an "ogicose Saa %as
more t%an enoug% experience 4ot% managing an gro$ing
4usinesses an 4rans. Speciali,ing in prouct evelopment
4ran management competitive analysis an consumer
4e%avior %e ma;es a per2ect 5t as a truste avisor on
Strategic Financial Services Boar o2 )visors
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,omany S-r*-*r
#mar Mansoor
Ha5,
Bilal
Maria
m
)4an
)li%ulam
Mu%am
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Ora-ions 3lan
)nral Aroah -o Ora-ions #perations are t%e ma0or part o2 any 4usiness 4ecause i2
t%ey are conucte in proper 2orm t%en only a 4usiness can
earn pro5t an ma;e t%e 4est use o2 its competitive
avantage. 1%e operations at occasional treats run in a very
smoot% orer.
First o2 all our approac% $oul 4e to attract customers
irectly as a BB approac% suc% as personal selling etc. )n
as; eac% an every etail 2rom customer to ma;e sure t%e
4est =uality an esire prouct an service is elivere to
t%e esteeme customer.
1%en Mar;eting an social meia managers in2orms Finance
Manager an CE# a4out t%e orer an t%ey 4ot% 2urt%er loo;
$%et%er material or service is availa4le or not an i2 it is
availa4le t%en %o$ muc% more =uantity li;e 5nancial ata
5nancial analysis or no =uantity is re=uire.
)2ter loo;ing at t%e entire material nees an i2 t%e materials
or ata are s%ort our 5nancial analyst in2orms a4out t%e
esire in2ormation an ata to Finance Manager Mr. )4an
Senior Financial Manager ma;es an estimate o2 t%e cost o2
t%e proucts in2ormation an ata $%ic% $oul nee to 4e
purc%ase an a2ter ma;ing a cost estimate t%e amount is
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%ane over to one o2 t%e 5nancial analyst $%o goes an
purc%ases t%e esire in2ormation 2rom t%e stoc; mar;et or
t%roug% i@erent sources.
Mar;eting Manager on t%e ot%er %an ;eeps on $or;ing on
t%e 4ran activation activities 4y visiting i@erent 5nancial
institutions an corporate clients. #nce t%e in2ormation %as
4een collecte our team o2 5nancial analysts sits $it% t%e
senior 5nancial manager an analy,es it t%roug% i@erent
perspectives an customi,es it accoring to t%e re=uirement
o2 customer.
#nce all t%e computations %ave 4een one 4e2ore sening it
to t%e client our CE# goes t%roug% it an $%et%er approves
or re2use it. #ur Customer /elations%ip Manager also in2orms
t%e esteeme customer a4out t%e orer once it is
ispatc%e. )ll t%e partners $or; in a team an respect eac%
ot%ers ieas an $or;.
B*sinss oa-ion
#ur 4usiness $ill 4e locate at #mar Mansoors resience.
)part 2rom t%at a su4-4ranc% $ill also 4e operating in our
university t%e (nstitute o2 Business Management L(#BM as
a 4ootstrapping tec%ni=ue. 1%e university is proviingincu4ator space to t%e company to operate in.
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Boo-s-rain
Bootstrapping is a $ay 2or entrepreneurs to cut expenses
an save plenty o2 )s Entrepreneurs $e ;no$ t%ere are
plenty o2 $ays to save money 4ot% 4e2ore an uring
operations. )s suc% $e %ave ivie our 4ootstrapping into
t$o segments i.e. Primary Bootstrapping an Seconary
Bootstrapping tec%ni=ues. 1%ese are
3rimary So*rs 1%ese are t%e tec%ni=ues $e $ill 2ocus
more
• 'eeping our ay 0o4 $%ile starting t%e 4usiness in o@-%ours
• "iving o@ an 4orro$ing 2rom our 2riens an 2amily $%ile
starting t%e company.
• Carpooling to clients instea o2 meeting t%em iniviually
• Cautiously using creit cars
• Most o2 t%e 0o4 $e $ill o 4y our o$n-selves rat%er t%an
going 2or outsourcing or %iring people until a4solutely
neee.
Sondary So*rs: 1%ese are some tactics on $%ic% $e
also o 4ootstrapping
• Borro$ t%e e=uipment $e $oul nee or use our o$n suc%
as computers laptops an oce stationery.
• ?se extra %ome 2urniture instea o2 4uying ne$ 2urniture.
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• 8e $ill call in past 2avors an rely on personal relations%ips
to get t%ings one 2or 2ree.
• 8e $ill %ire interns instea o2 regular employees $%enever
neee. 8it% our relations in universities t%is $ill 4e easy.
Faili-is and .#*imn-
Currently our 2acility inclues t%e %ome o2 our %ea #mar
Mansoor 2urniture $e $ill 4ring in 2rom our %omes our o$n
laptops an a central server L#mars PC.
(n t%e university t%e 2acilities provie inclue
"o$ cost printing
Cu4icles to $or;
Free 8iFi
Furniture
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Sri0s
,ombina-i
on
3A,KA). 1
*-Cas% Management
-1ransactionHanling
-Boo; 'eeping APrepping Financial
1ransactions
9-Ban;ing /elations
3A,KA). 2
*- )ll servicesprovie in Pac;age *
plus- "etter o2 Creits
- #verra2t FacilityLS%ort 1erm "oan
3A,KA). ?
*- )ll Services inPac;age * plus
6- (nvestingSolutions
7- "ong 1ermFinancing Solutions
3A,KA). 4
*- )ll services inPac;age 6 plus
6- (nvestingSolutions
7- "ong 1ermFinancing Solutions
Sri %sin and %lomn- 3lan
%lomn- S-a-*s and Tas!sCurrently all our initial services %ave 4een evelope.
Consiering t%at $e plan to launc% soon ne$ services are not in
evelopment. 8e plan to see %o$ t%e current services run an
evelop as neee. 1%e current status o2 our services are
#ur Business moel $oul 4e a uni=ue an novel one. 8e $oul
c%arge our customers a nominal 2ee 4ase on t%e com4ination o2
services t%ey c%oose to ac=uire 2rom us until t%ey get t%emselves
into a pro5ta4le position. 1%e com4ination o2 services an t%e 2ee
structure 4e2ore t%e start-ups attain a pro5ta4le position are as
2ollo$s
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F.. ST,T. F..S B.FO.
3OF6TAB66TY
F..S AFT.
3OF6TAB66TY
3A,KA). 1 P'/ ++++ per
mont%
9G o2 pro5t Lsu40ect
to revision
3A,KA). 2 P'/ ++++ per
mont%
:G o2 pro5t
3A,KA). ? P'/ ++++ per
mont% plus '(B#/G on "ong-term
loans
9G o2 pro5t on
investments plus'(B#/G on "ong-
term loans
3A,KA). 4 P'/ ++++ per
mont% plus'(B#/G on "ong-
term loans
9.:G o2 pro5t on
investments plus
'(B#/G on "ong-
term loans
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,hallns and is!s
TY3.S OF
6SK
'O; 6T AFF.,TSC ;ays -o Mi-ia-
Finanial
is!
)long $it% customers
5nances $e also %ave to
manage our o$n 5nances.
Cas% ino$s an #uto$s
/evenue an Expenses
$eat%er to go 2or e4t or not
in 2uture. Because o2 5rst
mover in t%e mar;et our
5nancial ris; $oul 4e %ig%.
Even i2 $e %ave a line o2
creit securing a regular cas%
o$ is icult an stress2ul.
8e $ill properly analy,e
our 2uture eman
perioically so t%at $e can
$or; on our cas% o$
4e2ore %an.
8e $ill iversi2y our
5nancial ris; 4y partneringot%er 5nancial institutions
in our operations. For
(nstance Partner any 4an;
2or selling t%eir 5nancial
services in 4ul; at lo$
cost.
B*sinss
is!
8e mig%t 2ace operational ris;
4ecause $e are epenent onot%er 4an;s an ot%er 5nancial
institution 2or our operations i2
t%ey 2aile or 2ace any
pro4lem $e $ill irectly 4e
a@ecte.
#ur pro2essional cali4er also
comes uner 4usiness ris;.
1%eir intellectual a4ilities toeal $it% t%e operations o2
4usiness are also important 2or
us.
8e can contact i@erent
5nancial institution at onetime.
Simultaneously $or; on
ma;ing ourselves
inepenent on Ban;s an
ot%er 5nancial institution
4y eveloping our o$n
similar services.
For 1eam $e can $or; on
innovations an
evelopment in t%e
services 4y stuying aily
mar;et upates.
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Thnolo
ial is!
Since in start it $ill 4e easy 2or
us to eal $it% our customers
$it%out any expensive
so2t$are. Ho$ever as our
customers increases $e nee
to 4uy #racle or S)P 2or ata
management an 2or 5nancialservices. So t%at $e can eal
$it% t%e tec%nological 4arriers
eciently an e@ectively.
8e $ill start to save
money 2or t%e purc%ase o2
t%ese so2t$are 2rom t%e
start.
8e can get S)P online
so2t$are as lease
so2t$are online 4y paying
U:++ per mont%. Hence $e
can use t%is in 2uture.
3oli-ial
and al
is!
Strict overnment policies 2or
any ;in o2 4usiness 2or
entrepreneurs%ip are ris;y 2or
us. )ny ;in o2 government
4arriers $ill 2or entrepreneur
$ill irectly a@ects us.
"egal ris; inclues intellectual
property. #ur copyrig%ts an
traemar;s $ill nee to 4e
secure. Proper license an
registration o2 4usiness is very
important.
1%e e@ect o2 transaction
cost or any ot%er relate
cost 4ecause o2 ne$
government policies can
4e irectly ae it to t%e
price o2 our prouctV t%is
$ill ma;e our services
expensive $it%out
ecreasing in =uality o2
services.
Proper legal guielines 2or
t%e patents traemar;s
an copyrig%t $ill 4e ta;en
4y our 2rien circles $%o
are our 4atc% mates in our
university. Hence Friens
$%o are stuying la$ $ill
4e use.
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S-ra-i
is!
Strategic ris; is t%e ris; o2
2ailing in strategy. 1%e Factors
$%ic% a@ects our strategy
inclues sta;e%olers $%ic%2urt%er inclue Entrepreneurs
Financial (nstitutions
overnment an 1eam.
Hence 2or not 2ailing in our
strategy $e $ill %ave
2oresig%t o2 our plan
properly. Plus $e may not%ave ;no$lege a4out
every aspect o2 a 4usinessV
%ence $e $ill 4e in touc%
$it% i@erence
experience pro2essionals
$%o $ill guie us in a rig%t
irection.
6n-ll-*al 3ror-y
Currently t%e only intellectual property $e o$n are t%e
companys name an a traemar; on our logo.
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Finanial 3ro-ions
So*rs and ss o+ F*nds S-a-mn-Currently t%e sources o2 5nance inclue our o$n savings o2 up to
/s. 9 million in avances an e=uity. 1%e 2uns $ill 4e use in
getting t%e operation up an running researc% salaries
travelling an ot%er expenses.
Ass*m-ions Sh-
.onomy and 6nd*s-ry
#ur target 2or t%e 5rst year $oul to o4tain *6 5rms as our
clients.
)t least 9+ 5rms currently exist as our target mar;et.
#ur target 2or t%e 5rst is to capture 6G an 2or t%e secon
year to o4tain *G o2 t%e overall mar;et. 8e expect our
sales volume to gro$ 4y *++G in t%e secon as compare to
t%e 5rst an a2ter t%at it $oul gro$ 4y :G a2ter$ars.
(n F
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"ac; o2 employment opportunities in t%e corporate sector
%ave 2orce young grauates to start t%eir o$n 4usinesses
$it% ma0ority opting to start a 4usiness venture $%ic% is
relate to t%eir 5el o2 stuy.
6nom S-a-mn-
)ccoring to current researc% at least +G o2 university
grauates 4ecome entrepreneurs.
(n +*: alone startups manage to raise approximately U
*++ million in investment.
Cas% ino$ in t%e 5rst year is expecte to 4e lo$ since $e
o@er our clients exi4ility o2 payments. Ho$ever it is
expecte to signi5cantly 4oost up in t%e secon year. For t%is
purpose $e $oul re=uire 5nancing in t%e 5rst year in orer
to maintain our operations.
1%e companies to $%om $e $oul exten our services $oul
4ecome pro5ta4le on an average years a2ter t%ey
commence operations.
1ransaction cost are G o2 total pro5t on investments.
8e $oul not 4uy any capital e=uipment suc% as personal
computers or laptops rat%er $e $oul lease t%em on a
mont%ly 4asis. )lt%oug% t%is mig%t result in us %aving to pay
a %ig%er cost %o$ever it $oul save us some vital cas%o$s
initially uring our ventures initial ays.
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Ban; C%arges are expresse as )verage cost per customer
times no. o2 customers. )verage 4an; c%arge per customer
is P'/ :+++.
/esearc% cost is P'/ ++++ in t%e 5rst year an is expecte
to increase $it% t%e rate o2 ination. (t inlcues t%e
expeniture incurre in purc%asing various researc% reports
an investor recommenations reports.
1%e aggregate employee salaries are P'/ *:++++ 2or t%e
5rst year P'/ +++++ 2or t%e next year an P'/ +++++
an 9:++++ 2or years r an 9t% respectively.
Balan Sh-
#ur 5rm $oul %ave no 5xe asset except 2or oce
e=uipment.
Cas% in %an $oul 4e $ort% e=ual to 6 mont%s o2 operating
expenses 2or t%at year.
)s our customers $oul 4e ne$ starts so t%ey most
e5nitely $oul 4e s%ort on cas%. 1%ere2ore $e pro0ect t%at
account receiva4le $oul constitute +G o2 total revenue.
"oans an avances to customers $oul 4e P'/ 9 million in
t%e 5rst year a2ter $%ic% $e expect it to increase 4y :G eac%
year.
Mar;-up receiva4le on investments $oul constitute *+G o2
t%e total pro5t on investments. 1%is *+G is to account 2or
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t%e cas%o$s o2 t%e pro5t on investments $%ic% %ave 4een
reali,e 4ut %as not 4een receive 4y t%e 5rm ue to some
time lags in trans2er o2 cas%.
Ban; #verra2t $oul 4e P'/ +.: million eac% year.
)ccounts paya4le is expecte to account 2or *+G o2 total
cost o2 goos sol. By elaying expenses $e $oul 4e a4le
to ivert t%e money else$%ere $%ere $e can earn interest
income.
)ccrue expenses $oul account 2or approximately :G o2 total operating expenses at any point in time.
3o long term lia4ilities.
#$ners $oul contri4ute P'/ million.
P'/ million $oul 4e ac=uire 2rom a venture capitalist
5rms suc% as Clou & Dotero an D
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3ro Forma 6nom S-a-mn-s
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8/18/2019 Master File - Final
54/56
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8/18/2019 Master File - Final
55/56
3ro Forma Balan Sh-s
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8/18/2019 Master File - Final
56/56
3ro Forma ,ash Flo&s
a-io Analysis