Thursday, December 27, 2007

IS KERALA BECOMING A STATE OF DRUNKARDS

Liquor sales soar in Kerala

The Catholic Church in Kerala had called for alcohol-free Christmas celebrations but it seems not too many people paid heed to that. Liquor sales in Kerala are at an all-time high.

Demand always outstrips supply at the liquor shop in Thiruvananthpuram. At 8.3 litres of alcohol per person a year, Kerala tops the list of tipplers in the country. And this Christmas, Kerala didn't let down.

On Christmas and festival occasions people consume alcohol keeping aside their faith. There is special sanction from family, ovbiously people drink and celebrate.

The highest sales were on Christmas eve, with Rs 18.6 crore worth of alcohol, about six crore more than last Christmas. In four days, between December 20 and 24, alcohol worth Rs 74 crore was sold, 14 crores more than last year. And these are official sales, not taking into account the flow of illcit liquor which is Kerala's bane.

''Its an alarming situation. Consumption of liquor is day by day increasing in the state,'' said Sosaipakyam, Archbishop.

The Kerala government may be happy over the increasing liquor sales in the state. But it need to keep in mind the harsh reality that alcohol related domestic violence and road accidents are on the rise and many feel that government's profit could well become society's loss in the longer run.

for more visit http://www.ndtv.com/
The above was an article from ndtv.com,but it is time for everybody to make a self study where we are heading to?No inhibitions,no taboo what so ever for this?Irrespective of any cast or creed everybody likes to talk around a liquor party. No creativeness,no commitment towards family,society,religion etc.Earlier it was for a get together sake liquor was consumed that too nobody likes to do that as a taken for granded but now things have changed to the state that for liquor sake parties are hosted or given.So please think.

BANKING

Banks should not give in to any pressure: FM

TIRUCHIRAPALLI: The Union Finance Minister, Mr P Chidambaram on Friday asked the banks not to give in to pressure of any kind, including that from political circles, while issuing loans to applicants.

Bank officials should weigh the merit of the case and be liberal in sanctioning loans to the poor and downtrodden, he said while inaugurating the 179th branch of the Pandiyan Grama bank (PGB) here.

"Every customer, be it a depositor of Rs five or Rs five crore, should be treated equally that too when the Government was keen on implementing financial inclusion in the rural areas", he said.

He lauded the performance of PGB for achieving 'numero uno' status among the 92 regional rural banks in the country. He said the Government had given its approval of PGB to expand its operations in six more districts of Tamil Nadu namely Tiruvarur, Than javur, Tiruchirappalli, Theni, Nagapattinam and Perambalur in addition to the nine districts where it was already operating.

Friday, December 21, 2007

EVOLUTION OF A PROJECT ...AN OUTLINE

Evolution of a Project....an outline
EVOLUTION OF A PROJECT REPORT
1)Project Profile
2)Pre Investment Studies
3)Techno Economic Feasibility Studies
4)Project Report
5)Detailed Project Report
PROJECT REPORT
Purpose of a Project Report
a)Setting Objectives
b)Planning Process
c)Risk Identification
& Mitigationd)Sanctions/Approvals/Licencese)An Aid for Implementation
PROJECT REPORT (CONTD…)
contents of a project report
a)Executive Summary
b)Management
c)Market Analysis
d)Technical Feasibility
e)Cost of Project
f)Means of Finance
g)Financial Viability
h)Economic Viability
i)Conclusion
PROJECT REPORT (CONTD…)
Coverage of Executive Summary
a)Idea of the Project
b)Promoters
c)Proposed Product
d)Location
e)Rationale for the project
f)Cost of the Project
& Means of Financeg)Financeh)Promoters’ Contribution
PROJECT REPORT (CONTD…)
Contents of Management
a)Promoters Name
b)Address
c)Aged)Qualificatione)Experience
f)Functional Areas
g)Organisation Chart
PROJECT REPORT (CONTD…)
Contents of Market Functions
a)Uses of the Product
b)Demand Analysis
c)Supply Analysis
d)Pricinge)Place or Selling Arrangements
f)Scope of the Project
PROJECT REPORT (CONTD…)
Contents of Technical Feasibility
a)Product Mix and Sales
(Sl.No Particulars Quantity Rate Total Sales)Here the rate will be price at which the unit realise the money
b)Quality Specifications....
(To mention whether quality specifications by AGMARK and FPO(Food Product Order) will be obtained etc)
PROJECT REPORT (CONTD…)
c)Technical Knowhow
d)Manufacturing Process
e)Site Selection
f)Details of Land & Building
g)Plant & Machineryh)Effluent Treatment
i)Raw Materials
j)Plant Utilities
k)Manpower requirement
(l)Schedule of implementation
PROJECT REPORT (CONTD…)
Cost of Project
a)Land
b)Building
c)Plant & Machinery
d)Miscellaneous Items
e)Preliminary and Pre-Operative Expenses
(Registration Charges,Travelling expenses)(Prof: fee,postage,telephone,stationery & interest during implementation)(upto 3% of PC allowed
f)Contigency
WORKING CAPITAL
WORKING CAPITAL
Capital Required for one cycle of operation. ie from CASH to CASH. WC cycle varies from activity to activity
WORKING CAPITAL(Contd)
Working Capital _ NAYAK COMMITTEE
25% of sales as WC
20% of Sales as Working Capital Loan
05% of Sales as Margin
WORKING CAPITAL
STOCK OF RAW MATERIALS
WORK IN PROCESS
STOCK OF FINISHED GOODS
BILLS RECEIVABLE
WORKING EXPENSES
Compare Nayak Committee and the above and give the maximum
MEANS OF FINANCE
a)Term Loan
b)Subsidy
c)Promoters’ Contribution
FINANCIAL VIABILITY
A)Cost of Production and Profitability
B)Repayment Schedule of Term Loan
C)Break Even Analysis
D)Cash Flow Statement
E)Balance Sheet
F)Debt Service Coverage Ratio (DSCR)
COST OF PRODUCTION & PROFITABILITY
Annual Sales (A)
Cost of Production(B)
Raw materials
Wages and Sales exp: and Maintenance
Insurance
Depreciation
Power & Water charges
Advt & Sales Expenses
Administrative Exp
Interest on Term Loan
PROFIT = (A-B)
BREAK EVEN ANALYSIS
Break Even Point (BEP) =(Fixed Cost x 100)/(Sales-Variable Cost)
Sales-Variable Cost=Contribution
Fixed Cost = such costs which will not vary according to production like Repairs and Maintenance,insurance,depreciation,interest on TL
Tips for better BEP% 1)reduce Fixed Cost,2)increase Sales,3)reduce Variable Cost.
CASH/FUNDS FLOW STATEMENT
Sources of Funds
Profit
Capital
Term Loan
Subsidy
Depreciation
TOTAL
CASH/FUNDSFLOW STATEMENT(contd..)
Uses of Cash
Increase in Fixed Assets
Repayment of Term Loan
Income Tax
Increase in Working Capital
TOTALSURPLUS/DEFICIT
BALANCE SHEET
Liabilities Assets
Capital add profit Land & Building
Term Loan O/S PI:& Machinery
Subsidy Furniture
Goodwil
lWorking Capital Stock
Loan O/S (CC/OD etc) Bills Receivable
Bills Payable Cash at BankCash in Hand
Classify these in to Long Term and Current liabilities and also in to Fixed Assets and Current Assets
DEBT SERVICE COVERAGE RATIO (DSCR)
DSCR=(Profit+Interest on Term Loan+Depreciation)/(Interest on Term Loan+Instalment on Term Loan)
ECONOMIC VIABILITY
RATIO ANALYSIS
Current Ratio=Current Assets/Current Liability
Quick Ratio=(Cash in Hand+Cash at Bank)/Cureent Liability
Debt Equity Ratio= Debt/Equity
Return on Investment=Profit/Total Project Cost
Pay Back Period & Internal Rate of Return

*

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