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| T _ O_ O _ L___ K_ I _ T | |
| I PROPOSAL | |
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10. BUDGET
What is your expense budget and income for the next three years? When will you begin covering costs from interest and fees? |
| __ | ASSUMPTIONS | YEAR 1 | YEAR 2 | YEAR 3 |
| REVENUES | __ | __ | __ | __ |
| Interest and Fees | __ | __ | __ | __ |
| Total Revenues | __ | __ | __ | __ |
| EXPENSES | __ | __ | __ | __ |
| Executive Director | __ | __ | __ | __ |
| Project Director | __ | __ | __ | __ |
| Loan Manager | __ | __ | __ | __ |
| Accountant | __ | __ | __ | __ |
| Bookkeeper | __ | __ | __ | __ |
| Admin Assistant | __ | __ | __ | __ |
| Field Agents | __ | __ | __ | __ |
| Bonuses | __ | __ | __ | __ |
| Subtotal Salaries | __ | __ | __ | __ |
| Copier/Fax | __ | __ | __ | __ |
| Office Furniture | __ | __ | __ | __ |
| Telephones | __ | __ | __ | __ |
| Motorcycles, Bikes | __ | __ | __ | __ |
| Bicycles | __ | __ | __ | __ |
| Subtotal Equipment | __ | __ | __ | __ |
| Rent | __ | __ | __ | __ |
| Telephone | __ | __ | __ | __ |
| Utilities | __ | __ | __ | __ |
| Taxes | __ | __ | __ | __ |
| Bank Charges | __ | __ | __ | __ |
| Subtotal Overhead | __ | __ | __ | __ |
| Gas and Oil | __ | __ | __ | __ |
| Repairs | __ | __ | __ | __ |
| Subtotal Vehicles | __ | __ | __ | __ |
| __ | __ | __ | __ | __ |
| __ | ASSUMPTIONS | YEAR 1 | YEAR 2 | YEAR 3 |
| __ | __ | __ | __ | __ |
| Loan write-offs | __ | __ | __ | __ |
| Cost of capital | __ | __ | __ | __ |
| Total Expenses | __ | __ | __ | __ |
| SURPLUS/DEFICIT | __ | __ | __ | __ |
| __ | __ | __ | __ | __ |
| REQUIRED FUNDS | __ | __ | __ | __ |
| Operations | __ | __ | __ | __ |
| Initial Purchases | __ | __ | __ | __ |
| Cash Buffer | __ | __ | __ | __ |
| Loan Loss Reserve | __ | __ | __ | __ |
| Loan Capital | __ | __ | __ | __ |
| Total Funds Required | __ | __ | __ | __ |
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