“Jubahku Laku Inc.

”
Jubahku Laku Inc.
Jalan Harmoni 10 Taman Harmoni
Kajang, Selangor
Office: 03-8733 459
Ahmad: 017-300 5436
Syazwan: 019-876 3450
Iskandar: 012-9998712
jubahkulaku@yahoo.com

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Muhd Ahmad
General Manager
Jubahku Laku
Jalan Harmoni 10 Taman Harmoni

Kajang, Selangor

Email: jubahkulaku@yahoo.com

8 October 2016
Mr iskandar latif
Loan Officer
SME Bank
Lot 7C, Mid flr, Jalan Perdana U3/22
Glenmarie 9 Business Park
40150 Shah Alam
Selangor

Re: Loan Request for RM 100 000

Dear Mr Izz,
I am requesting a business loan in the amount of RM 100 000 for the purpose to
expanding our company business. My business is registered and approve by the
marketing department. I have been in business for the past three years and have shown
a profit each year.I have 2 years of experience in the agriculture industry. I worked for 2
years at as a greater t-shirt seller at Thailand.
I started my own business with my personal income and family fund. I began with
selling the T-shirt at “Pasar Malam” and other shirt . I plan to use the new budget as
follow to purchase a jubah . With a new jubah I can start selling more jubah at once time
in online service . So I can have more space for the jubah in online.
The market online for this business is very good. Which in Malaysia the amount
of people who love to celebrate Hari raya which Malay culture . I use this chances to

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expand my business. I sell the jubah with the lowest price at once time to the customer.
Every average of customer will afford to buy. Another that I also supply this jubah to
other online web like instagram or any social web . The Customer is our priority that was
our motto company. My target market is people who love to wearing a jubah . They can
have a jubah that have any type of material and size of jubah . The jubah is 100%
guarantee material . The price is so affordable and the customer will afford to buy.
My competition is other company who have the same business with us which is
selling the jubah . To get the different with other company we beat the price. Compared
the other the price of our company still lowest price. The advantage of our company is
the quality of the jubah and the greatest of our material will attract the customer.

I am investing RM 27 000 of sharing money with our partner, generated over the
last months from the business. My collateral consists of business assets having a fair
market value RM 15 000 and personal real estate asset with value of RM 10 000.
I have attached my business plan as well as all of the paperwork needed to apply for
this loan. You will see that I have an excellent credit history and a solid business plan. If
you have any further question please do not hesitate to contact me.

Sincerely,

AHMAD
………………………
Mr Muhd Ahmad
General Manager
Jubahku laku

Enclosure: Business Plan

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 EXECUTIVE SUMMARY

Business Description

 Jubahku laku provides a service that sell a jubah for the customer. The primary
aim of the company is able to manage business plan completely against other
business company jubah in Malaysia . With an effective way of one way go
ahead able to increase our investment.

Project Review

 Jubahku laku offers opportunity to the customer who able even easier to buy a
jubah which mean we use online service system .Other than that, we provide a
greatest jubah to other customer which is easy to buy .

Sustainable design concept

 Jubahku laku need to manage a few member . Many type of jubah to sell
.Transportation for delivery which is motorcycle or a car .

Development Timeline

 The feasibility unit as describe above require an effort in management business,

financial analysis and reliability. These stage will lead to the development of
investment package.

Investment

 Jubahku laku will perform an initial investment and later capitalization

requirements driven by the financial analysis for time come.

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 1.0 INTRODUCTION TO BUSINESS

1.1 Name of company

 Jubahku Laku Inc.

1.2 Company address and telephone number

Company Address: Jalan Harmoni 10 Taman Harmoni

Kajang, Selangor

Office number : 03-8733459

Mobile number : 017-300 5436

Fax : 03-8733000

1.3 Nature of business

The business that we will be operating consists of two parts which is major and
minor. The major business for our country is basically by providing product to customer
through our shop online and delivery method and the minor part is consist of supplying
our product to online market . We will provide the great jubah to the customer. Our
jubah have many different size. We always make sure that our jubah 100% great
condition so that our jubah quality will be the top condition before we sold it to the
customer and sell it on online market . Other than that we also provide jubah at our blog
. The customer who interest to buy our jubah can visit our blog and buy through online
service .

Our company motto is ‘Customer is Our Priority’ shows that we do care about our
product not just to fulfilled customers needed but also always care about company pride
by making our jubah product that comes with highest quality compared to other
company’s jubah product. From this, our customers not only get the low price but the
higher quality of our jubah .

Besides providing a good quality product and good environment and utilities in our
shop for the satisfaction of our customer, our company also will offer our product sell in
online service . This not only attract our customer to choose our product but at the same
time can increase our business income.

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1.4 Form of business

Legal structure of business

 A corporation is a legal entity that is separate and distinct from its owners.
 Corporations enjoy most of the rights and responsibilities that an individual
possesses.
 The most important aspect of a corporation is limited liability.
 Shareholders have the right to participate in the profits, through dividends and/or
the appreciation of stock, but are not held personally liable for the company's
debts.

1.5 Industry Analysis

(Description and analysis of the industry in which the company will be operating:
industry size, segments, trends, opportunities, threats)

PESTEL Analysis

A PESTEL analysis is a framework or tool used by marketers to analyse and monitor

the macro-environmental (external marketing environment) factors that have an impact
on an organisation. The result of which is used to identify threats and weaknesses
which is used in a SWOT analysis. Here we attach our PESTEL analysis based on our
company.

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Political  Registered to SSM ( Suruhanjaya Syarikat Malaysia )
Economic  Growth with increase sales
Social  Middle of people which income starting from RM 5000
and above
Technology  Distribution to the market
 Making a flyers to the people
 Making trough website about our prawn
 Promotion to each seafood restaurant
 Delivery service
Legal  Must apply licence from LKIM ( Lembaga Kemajuan
Ikan Malaysia )
 Make discount with Jabatan Perikanan Malaysia
Environmental  Weather
 Dry season
 Location
 Means not too far from the market place
 Easily to monitored all the time
 Easy to get a worker
 Not a flood area
 Land use
 Not too alkaline
 Not landfill
 Does not use chemical or radioactive

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1.6 Date of registration and registration number

 Date registration: 15 December 2016

 Registration number: MA5623718-V

1.7 Date of commencement

 15 December 2016

1.8 Name of bank and account number

 MAYBANK
Account Number: 117234899013

 CIMB BANK
Account Number: 7014533299

1.9 Factors in selecting proposed business

 To provide the great jubah

 Our company will provide the great jubah to the customer with 100%
guaranty.
 Our company also provide many type of jubah .
 We also provide free postage for our online customer in Selangor only.
 Beat the sale
 Our company will beat the sale from other jubah company with the low
price . So the middle stage customer will afford to buy .

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  To be a good dealer
 Our company will become a good dealer in online service to the customer
because the customer is our priority that was ‘Principe’ of our company.

 Soft and clean

 The jubah is 100% soft to wearing and we are very strict about our
cleanness.

2.0 PURPOSE OF BUSINESS PLAN

Our business plan is to run our company with more efficiency and cohesive vision .It is
our roadmap to success in business .By truly analysing our plan for marketing, sales,
manufacturing and website design .

Future vision

 Allow our company an effective way to changes in the market online , growing or
slowing trends, new innovations or directions to take as the company grow in
online service .

Attract team members

 Our business plan can be design as a sale tool to attract members, secure
supplier accounts and attract executive level employees into the new venture

Manage company

 Create a benchmark against which entrepreneurs can measure actual company

performance .Able to compete with other company.

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Manage cash flow

 Help cash flow management then becomes more vital when business pursue
investment opportunities where there are several cash out flow, in advanced of
cash flows coming in.

Develop and communication

 A plan and communicate with each other can be disseminated quickly and will
also prompt further questions and feedback by the customers and workers
helping to ensure a more collaborative plan is produce

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 3.0 BUSINESS BACKGROUND

3.1 Logo

“Jubahku Laku Inc. ”

3.2 Vision and Mission

Vision

 To be the greatest jubah company as the best supplier of all kind of jubah in
Malaysia

Mission

 To give the best services online and the best product to all of our customer to
make their satisfied .

3.3 Objective

 To sell every kind of jubah entire Malaysia

 Provide the best services online for customer
 Provide optimum quality jubah for consumer

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 4.0 BACKGROUND OF PARTNERSHIPS

NAME : MUHAMMAD NOR SYAZWAN BIN ZULEFLI

NO : 01124306347

ADDRESS : NO,34 LALUAN TAMAN KLEBANG JAYA 31 ,

TAMAN KLEBANG JAYA ,CHEMOR,PERAK, 31200

POSITION : PARTNERSHIP OF JUBAHKU LAKU INC.

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Name : Ahmad Fikri Bin Shamsul Kamal

NO: 0124550789

Address: No 94 Jalan harmoni 10 Taman harmoni, kajang

POSITION : General manager

Name : Iskandar Mirza Bin Mohd Taib

NO: 067335609

Address: No 11 Jalan Kampung Kuli, Inas,Johol Negeri Sembilan

POSITION : Partnership of Jubahku Laku Inc.

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 5.0 LOCATION OF BUSINESS
5.1 Physical location of the project

The company is located at Jalan Harmoni 10 Taman Harmoni Kajang, Selangor. It is

located at Kajang which is one of the citizen that many of Malay culture and it will attract
for someone who want to wearing and celebrate Hari Raya Aidilfitri with jubah . This
location has a lot of people that celebrate Hari Raya days and this is one of our ways to
supply our product to them. It also can attract anyone who is coming to Kajang and
someone who want to buy a jubah . We can open a small stall near our house to sell
and promote our product when in Hari Raya celebration day.

Bandar teknologi kajang

Taman Harmoni , Jalan Harmoni 10

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5.2 Distance from the source of raw material

For our jubah company , we only provide service online which the people can easily
catching it. No need to worry about delivered cause it can deliver in time if near our
location company .

For the fast deliver , we have a supplier from another state in Malaysia . They are also
joining our company jubah .

5.3 Availability of manpower

A few manpower is needed for our job such as driver (for taking from the supplier
purpose) ,storekeeper (taking care of the jubah), clerk (helping for customer service
area and financial) . All of the manpower needed can be obtain from the village area
because of there is less other facilities other than opening own shop . It is a good
opportunity for young people to gain new experience because we did not required a
professional worker .

5.4 Transportation facilities

We are providing any free postage for our online customer and we have a blog that the
customer can get the info about the jubah that we sell.

For our facilities, we provide a motorcycle and a car to import the supply and export our
product tour online customers.

5.5 Distance from customers

Customer can come to us and can search in our blog. This is one of the marketing
strategy to attract the customer to promote our product to customer.

5.6 Basic amenities

The place that we choose is near to our house and we do online service business .

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 6.0 MARKETING PLAN

6.1 Description of Product/Services

Our company sell a jubah services online as for those who want the jubah. .Other than
that, we also deliver jubah to our online customer near our company place.

The rate of our services and product depends on the design of price for the jubah and
pre booking in our online service.

1. Jubah price
 Size of jubah for male
 Material Jubah for male
 Size Jubah for female
 Material Jubah for female

2. List of product/service offered

 We selling many type jubah
 We do free postage in Selangor area

6.2 Customer target

 Age 18 – 55 years old

 Gender : Male and Female
 Occupation : For all
 Target customer: Any online customer that like our jubah design .

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6.3 Market size and potential sales

6.3.1 Jubah for male size price

Potential sales (%) Target market Total price ( RM )

30% Jubah XS RM100
Jubah S RM110
Jubah M RM120
Jubah L RM130
Jubah XL RM150
Jubah XXL RM200
Total = RM 800

6.3.2 Jubah for male material price

Potential sales (%) Target market Total price ( RM )

30% Jubah combed cotton RM100
Jubah linen RM120
Jubah modal RM130
Jubah pigment RM140
Jubah organic cotton RM150
Jubah pima supima RM200
Total = RM 800

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6.3.3 Jubah for female size price

Potential sales (%) Target market Total price ( RM )

30% Jubah XS RM100
Jubah S RM110
Jubah M RM120
Jubah L RM130
Jubah XL RM150
Jubah XXL RM200
Total = RM 800

6.3.4 Jubah for female material price

Potential sales (%) Target market Total price ( RM )

30% Jubah combed cotton RM100
Jubah linen RM120
Jubah modal RM130
Jubah pigment RM140
Jubah organic cotton RM150
Jubah pima supima RM200
Jubah Royan RM200
Jubah Silk RM300
Total = RM1300

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6.4 Competitor Analysis

Element A B C Own Company

Family ,
Customer teenager , Family tourist online
kids

Partnership in Cash of delivery

Services Self –service online
cooperation (COD)
Taman
Location City Village Taman Harmoni
Harmoni
Other Distribution of Supplier Company
Resource
distribution marketing distributor distribution

6.5 Market Share

Competitor Market share % Reason

Supplier company 80 Crowded and noisy
Our company have just new in
Own company 20
this business

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6.6 Sales forecast
Month Sales (RM) Reason
1 21,500 -
2 32,000 The sale increase
3 12,000 The sale decrease because of month
4 13,500 The sale constant
The sale increase cause of Hari raya
5 7,000
celebration
6 60,280 The sale constant
The sale increase cause of
7 58,300
celebration of Hari Raya Aidil Adha
8 4,500 The sale decrease cause of month
9 10,000 The sale constant
10 55,300 The sale increase from past month
11 50,221 The sale decrease
12 50,221 The sale increase

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6.7 Marketing stratergy

Criteria Description

Product
Our product is teaching services. We provide the perfect online
and
education tuition for student that taking PT3 and SPM. That’s why
service
we make sure we achieve the quality that we target.
strategy

The price is based on the subject selected and number of class

Pricing attended.
strategy We also provided the face to face learning for student who need to
ask personally about their understanding.

We have operation place which we control the schedule and meet

Place and the tutor for recording theirs teaching session. Our place located at
distribution no 2,jalan vista enam, taman vista emas, 43000, kajang selangor
strategy

The first step is to advertise our company through Facebook,

instagram , blogger and fliers. We also will organise an event at
Promotion
secondary school to gives more exposure to the student about
strategy
online tutor.

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6.8 Marketing manpower planning

Position Number Job description

Promoter 5 Help to handle outside event and make schedule.
Programmer 2 Guarding and monitoring application and websites.
Handle the online tutor class.
Tutor 15

6.9 Marketing manpower requirements

NO OF SALARY
JOB
WORKER RM
Promoter 5 1500 x 5 = 7500
Programmer 2 3000 x 2 = 6000
100 PER SESSION
Tutor 15
(FREELANCE)
Total 3 RM 1800

6.10 Marketing budget

Monthly Other
Fixed Expenses
Item Expenses Expenses
(RM)
(RM) (RM)
Printed Media RM 700
Vehicles ( motorcycle & car ) RM 3000
Total RM 3000 RM 700
Total RM 3700

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 7.0 OPERATIONAL PLAN

7.1 Process Prawn Business

This is the process step-by-step of starting and the ending of our company. This flow
chart shows the suitable services that we use in our company to serve a better
management.

7.1.1 Process transferring / catching prawn

Make an order from

Pick the item from factory
jubah factory

Manage the jubah

Arrange male quality
and female
jubah
Arrange male
and female
jubah

Transferring to
Bring the item to our location the store

Starting to selling
Deliver to
at Online Shop
customer

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7.1.2 Process selling

Get the jubah Move to the the office and online

from supplier market

Arrange the
Put the size and
price type

Starting
the selling
/store the
product

Display
selling
product Receive
payment

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7.2 Operations layout plan

Store layout

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Meeting room layout

Rest room layout

Store room layout

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7.3 cost per subject

Price
SPM subject Price(RM) Pt3 subject
(RM)

Bahasa melayu 40 Bahasa melayu 40

Bahasa inggeris 40 Bahasa inggeris 40
Pendidikan islam/moral 40 Pendidikan islam/moral 40
mathematic 40 mathematic 40
Sejarah 40 Sejarah 40
Science 40 Science 40
Biology 40 Kemahiran hidup 40
Chemistry 40 Geografi 40
Physics 40
Additional math 40
Peradagangan 40
Prinsip perakaunan 40
Ekonomi asas 40
Total for all subject 520 320

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7.4 Operations manpower planning

Position Number Job description

managing staff; planning and evaluating department
Manager 1
activities
Financial
1 A person responsible for financial management.
manager
A person who have to keep all the account auditing
accountant 1
for purposes of company.

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7.5 Operations manpower requirement

NO OF SALARY
JOB
WORKER RM
Manager 1 4000 x 1 = 4000
Administration
1 3200 x 1 = 3200
manager
Accountant 1 3500 x 1 = 2000
Programmer 2
Crew/promoter 5
Total 9200

7.8 Operations budget

Item Fixed Monthly Other

Expenses (RM) Expenses (RM) Expenses (RM)
Labour
Building cost 1200
Raw Material 1000
Water Bill 100
Electric Bill 250
Maintenance 1000
Total 3550
Total 3550

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 8.0 ADMINISTRATION PLAN/ORGANIZATION PLAN

Administration is the important thing when open up business. It is to ensure the

business run smoothly. The performance, growth and survival of business depend on
managerial, skills and capabilities. The manager should have the administration function
such as planning controlling, organization, and leading the company. The task of
administration manager is to set the employee‘s salaries, protect the employee‘s
welfare compensation and fringe benefits, recruiting, provide the furniture and fitting in
the office to ensure the employee comfortable working environment. The administration
task also including plan and set the objective or goals of the business to ensure the
company achieve the goals that have been set successfully. The administration also
has to arrange the organization structure, do a working schedule, and calculate all
budgets relating to administration department.

Besides that, the administration also responsible to ensure the partnership and the
employee get the acceptable salaries like stated in the agreement and take care about
employee welfare such as bonuses and leaves such as medical leaves, emergency
leaves, maternity leaves and annual leaves. Thus, in Eztutor sdn bhd. we see
administration function as a vital task where it compresses all the element to make sure
the effectiveness in terms of performing organization activities. Our company, EZtutor
sdn bhd.which will focus in giving good services and give the best education to our
customers.

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8.1 Organizational Chart

general manager
mohamad najib bin
zainudin

financial manager
mohammad qayyim bin
mohd fadzli

accountant programmer promoter

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PARTNERSHIP 1 PARTNERSHIP 2
mohamad najib bin mohammad
zaiunudin qayyim bin mohd
fadzli
m

dsadasd

modasd

mm

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8.2 Remuneration plan

8.2.1 Staff salary

 Salary is fixed monetary reward paid to worker on periodical basic. EZ tutor sdn
bhd using normal practice to pay salaried workers on a monthly basic. Salaried of
workers are paid with number of days working.
 Salary for employee will be paid through online banking CIMB bank and
Maybank.

8.2.3 Working hours

Day Time
monday - Friday 8.00 am – 5.00 pm
Saturday - Sunday 9.00 am – 4.00 pm

8.2.5 Annual leave and sick leave

 This benefit also was stated in Employment Act 1955 which the employees may
take leaves for any circumstances which implement by the employer.
 Our business provides sick leaves and annual leaves

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8.3 Administration Manpower Planning

POSITION JOB DESCRIPTION

 To form the objectives, planning strategies and
monitor the organization policies and also as
mastermind in an organization.
 To plan and monitor the strategic progress of the
business
 To maintain good communications skill and
relationship government, private sector, customer and
GENERAL MANAGER also financial institution.
 Ensure all activities to run smoothly using the proper
procedure.
 Able to cooperate and interact with people.
 Plan and coordinate administrative procedures and
systems and devise ways to streamline processes
 Recruit and train personnel and allocate
ADMINISTRATION responsibilities and office space
MANAGER  Assess staff performance and provide coaching and
guidance to ensure maximum efficiency

 Prepares asset, liability, and capital account entries by

compiling and analysing account information.
 Documents financial transactions by entering account
information.
 Recommends financial actions by analysing
accounting options.
ACCOUNTANT  Summarizes current financial status by collecting
information; preparing balance sheet, profit and loss
statement, and other reports.
 Substantiates financial transactions by auditing
documents.

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Page | 35
8.4 Administration Manpower Requirements

POSITION NO. MONTHLY SALARY

(RM)
General Manager 1 3,500

Financial Manager 1 3000

Accountant 1 2500

Crew/promoter 5 1500

Programmer 2 2800

TOTAL 10 22100

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8.5 List of Office Equipment

NO. ITEM QUANTITY PRICE/UNIT TOTAL COST

(RM) (RM)
1 Table 3 300 900
2 Chair 4 100 400
3 White board 1 80 80
4 Steel wardrobe 2 500 1000
5 Fan 2 200 400
6 Telephone 1 150 150
7 Personal computer 2 2000 4000
TOTAL 6930

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8.6 Administration Budget

Fixed Assets
Items Expenses Monthly Expenses Others Expenses
(RM) (RM) (RM)
Renovation and 10,000
construction
Office Equipment 6930
Furniture, fitting and 3000
fixture
Salaries 22100
Water bill 150
Electricity bill 250
Telephone bill 100
Water deposit 100
Electricity deposit 150
Telephone deposit 50
Business Registration 1600
& License
Rental deposit 5000
Server rental 1000
TOTAL 19930 22600 7900

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 9.0 FINANCIAL PLAN

Financial plan is important where it needs to be calculated in order to gain the

implementation cost, the cash flow statement and the profit loss count.

9.1 Project Implementation Cost

Item Amount (RM)

A. Fixed Expenses
Administration department 36,744
Marketing department 105,000
Operations department 5,000
Subtotal (A) 146,744
B. Monthly Expenses
Administration department 11,155
Marketing department 800
Operations department 2,700
Subtotal (B) 13,935
C. Other Expenses
Administration department 9,056
Marketing department 42,000
Operations department 3,000
Subtotal (C) 54,056
Contingency Cost (10%) (D)
Grand Total (A+B+C+D) 214,735

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9.2 Sources of Finance

Sources Amount (RM)

A. Equity contribution
Cash (initial capital)
Assets (land/building/vehicle)
Other asset (vehicle)
Subtotal (A)
B. External Sources
Term loan
Grand Total

9.3 Cash flow statement

Month 1 2 3 4 5 6
A. CASH INFLOW
Cash sales
Initial capital
Loan
Total Cash Inflow 30,000 30,000 27,000
B. CASH OUTFLOW

Fixed Assets
Monthly expenses 131,855 131,855 131,855 131,855 131,855
Other expenses
Total Cash Outflow 131,855 131,855 131,855 131,855 131,855
C. CASH INFLOW – -104,855 -105,809 -101,855 -101,855 -104,855
CASH OUTFLOW
Opening Balance 369,455 264,600 158,791 56,936 -44,919
Closing Balance 264,600 158,791 56,936 -44,919 -149,774

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9.4 Profit and Loss Account

Item Amount (RM)

Sales for 6 months 166,092
Operational Cost 10,700
Gross Profit: Sales – Direct cost 155,392
Administration cost 11,155
Marketing cost 110,155
Total indirect cost
PBDIT 34,237
Depreciation 21,136
Interest
PBT 13,101
Tax
Net Profit 13,101

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 CONCLUSION

In our conclusion , we open this company to achieve our goal. Preparing our open
business in early stage was so hard . Infact , the effort when we putting together in
hardship enable us to move forward in whatever business. By developing our company
business, it saves us a great deal of time, money and troubleshooting by showing
where the weakness in idea and giving chance to correct them before make any serious
mistakes .

As our business evolves, we find that the older version of our plan business provide a
helpful reminder. There is undoubtedly that putting together a good business takes a
tremendous amount of work. But if we do it right our effort will pay off soon .

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 APPENDICES

1. Business card

Front view

Back view

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