M-PESA BUSINESS PLAN & CAPITAL ... - Mama Afrika
M-PESA BUSINESS PLAN & CAPITAL ... - Mama Afrika
M-PESA BUSINESS PLAN & CAPITAL ... - Mama Afrika
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M-<strong>PESA</strong> <strong>BUSINESS</strong> <strong>PLAN</strong> & <strong>CAPITAL</strong> REUIREMENTS.<br />
A: Machinery & Electrical Requirements:<br />
1. Timber & Furniture Ksh. 10,500.00<br />
2. Electricals Ksh. 3,000.00<br />
3. 2 Simple cell phones Ksh. 12,000.00<br />
4. Room Re-designing & Painting Ksh. 22,000.00<br />
5. Security metals Ksh. 7,500.00<br />
6. Wall fan Ksh. 6,600.00<br />
B: Capital<br />
Total: Ksh. 61,600.00<br />
1. License Certificate Ksh. 16,500.00<br />
2. Cash Float Ksh. 50,000.00<br />
3. M-Pesa Cell phone Sim-Card Ksh. 50,000.00<br />
4. Cash for Deposit Ksh. 50,000.00<br />
5. Water Dispenser Ksh. 12,500.00<br />
Total: Ksh. 180,000.00<br />
Grand Totals: Ksh. 240,600.00<br />
C: Monthly Operational Costs<br />
1. Labour Ksh. 10,000.00<br />
2. Security Ksh. 2,000.00<br />
3. Power Ksh. 1,000.00<br />
4. Stationaries Ksh. 1,000.00<br />
5. Licence Ksh. 1,300.00<br />
6. Depreciation Ksh. 2,000.00<br />
7. Reserve Ksh. 2,000.00<br />
Total monthly costs Ksh. 19,300.00<br />
Monthly Minimum Targeted Revenue ksh. 40,000.00<br />
Monthly Minimum Targeted Net Income Ksh. 20,000.00 (40,000.00 - 19,300.00)
OPERATING THE M-<strong>PESA</strong> <strong>BUSINESS</strong>:<br />
Well, the business deals with money deposits, transfering and clients registrations. The clients<br />
can be all Safaricom mobile phone subscribers operating accounts with Safaricom. We shall be<br />
also selling airtime, simcards as well to both local and foreign clients and when it grows we shall<br />
be involving ourselves with selling mobile phones accessories and cell phones as well.<br />
But our biggest basic involvement will be the transactions of cash withdrawal, transfer, deposit<br />
and registration or account opening. Here lies our earning since each cash transaction has a<br />
minimum earning of Ksh 15.00.<br />
Our Monthly Target Income is to have a minimum of Ksh 40,000.00 which means we need to<br />
make 2,667 Transactions and on daily basis this comes to Appx. 90 Transactions!<br />
We have accessed the market and really found out that it can be possible and realized with<br />
advertisement aggressively done since no one has such a business around us.<br />
Thank you<br />
Patrick Riah.