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(Pre & Post-Disbursement Industry Analysis / Impact of AFC Financing on Individual Entities)

Following is a brief overview of key impact factors on each individual client at pre/post AFC finance stage:

Key Impact Factors

Business Description / Core Activity

Farming / Crops Cultivation

Inception of Business Since

10 yrs

AFC Financed on

24th December,2005

Assets Description financed by AFC

One unit Belarus Tractor

Net Financed Amount (In USD)

11,040

Sector (Agro / Non-Agro)

Agro Business

Category of Entrepreneur (Male / Female)

Male

Total Assets before AFC Financing (USD)

396,760

Total Assets after AFC Financing (USD)

450,800

Initial Cash (USD)

5,000

Cash after AFC Financing (USD)

20,500

Impact of AFC Financing on Production/Processing/Trading/ Capacity

25% rise

Overall Impact of AFC Financing on Level of Employment (SME Unit based)

25% rise

Impact of AFC Financing on Female Level of Employment (SME Unit based)

No change

Impact of AFC Financing on Sales/Service Volume

20% rise 

Rise in Clientele (SME Unit based)

15% rise

Impact of AFC Financing on Profit Margins (SME Unit based)

5-7% rise

   
   

Key Impact Factors

Business Description / Core Activity

Farming / Crops Cultivation

Inception of Business Since

15 yrs

AFC Financed on

27th April ,2006

Assets Description financed by AFC

One unit Pakistani FIAT Tractor with trailer & thresher with accessories

Net Financed Amount (In USD)

12,000

Sector (Agro / Non-Agro)

Agro Business

Category of Entrepreneur (Male / Female)

Male

Total Assets before AFC Financing (USD)

250,464

Total Assets after AFC Financing (USD)

264,453

Initial Cash(USD)

8,000

Cash after AFC Financing (USD)

30,000

Impact of AFC Financing on Production/Processing/Trading/ Capacity

25% rise

Overall Impact of AFC Financing on Level of Employment (SME Unit based)

20% rise

Impact of AFC Financing on Female Level of Employment (SME Unit based)

No change

Impact of AFC Financing on Sales/Service Volume

20% rise

Rise in Clientele (SME Unit based)

15%

Impact of AFC Financing on Profit Margins (SME Unit based)

8-10% rise

 
 

Key Impact Factors

Business Description / Core Activity

Farming / Crops Cultivation

Inception of Business Since

More than 40 years

AFC Financed on

19th April ,2006

Assets Description financed by AFC

One unit Belarus Tractor with trailer, nine plough three plough, thresher & Rice processing machine

Net Financed Amount (In USD)

19,200

Sector (Agro / Non-Agro)

Agro Business

Category of Entrepreneur (Male / Female)

Male

Total Assets before AFC Financing (USD)

440,538

Total Assets after AFC Financing (USD)

464,538

Initial Cash (USD)

10,000

Cash after AFC Financing (USD)

45,000

Impact of AFC Financing on Production/Processing/Trading/ Capacity

25% rise

Overall Impact of AFC Financing on Level of Employment (SME Unit based)

15% rise

Impact of AFC Financing on Female Level of Employment (SME Unit based)

No change

Impact of AFC Financing on Sales/Service Volume

20% rise

Rise in Clientele (SME Unit based)

10% rise

Impact of AFC Financing on Profit Margins (SME Unit based)

10% rise

 

Key Impact Factors

Business Description / Core Activity

Farming / Crops Cultivation

Inception of Business Since

25 yrs

AFC Financed on

3rd September  ,2005

Assets Description financed by AFC

One unit Belarus Tractor

Net Financed Amount (In USD)

10,400

Sector (Agro / Non-Agro)

Agro Business

Category of Entrepreneur (Male / Female)

Male

Total Assets before AFC Financing (USD)

97,897

Total Assets after AFC Financing (USD)

107,597

Initial Cash (USD)

2,500

Cash after AFC Financing (USD)

15,500

Impact of AFC Financing on Production/Processing/Trading/ Capacity

20% rise

Overall Impact of AFC Financing on Level of Employment (SME Unit based)

20% rise

Impact of AFC Financing on Female Level of Employment (SME Unit based)

No change

Impact of AFC Financing on Sales/Service Volume

15% rise

Rise in Clientele (SME Unit based)

10% rise

Impact of AFC Financing on Profit Margins (SME Unit based)

5% rise

 

Key Impact Factors

Business Description / Core Activity

Farming / Crops Cultivation

Inception of Business Since

25 yrs

AFC Financed on

8th October  ,2005

Assets Description financed by AFC

One unit Belarus Tractor with rice processing machine and three plough.

Net Financed Amount (In USD)

11,520

Sector (Agro / Non-Agro)

Agro Business

Category of Entrepreneur (Male / Female)

Male

Total Assets before AFC Financing (USD)

123,468

Total Assets after AFC Financing (USD)

144,988

Initial Cash (USD)

5,500

Cash after AFC Financing (USD)

25,500

Impact of AFC Financing on Production/Processing/Trading/ Capacity

15% rise

Overall Impact of AFC Financing on Level of Employment (SME Unit based)

40% rise

Impact of AFC Financing on Female Level of Employment (SME Unit based)

No change

Impact of AFC Financing on Sales/Service Volume

15% rise

Rise in Clientele (SME Unit based)

No change

Impact of AFC Financing on Profit Margins (SME Unit based)

5-7% rise

 
 

Key Impact Factors

Business Description / Core Activity

Farming / Crops Cultivation

Inception of Business Since

From Generations

AFC Financed on

1st October  ,2005

Assets Description financed by AFC

One unit Belarus Tractor with three ploughs.

Net Financed Amount (In USD)

10,700

Sector (Agro / Non-Agro)

Agro Business

Category of Entrepreneur (Male / Female)

Male

Total Assets before AFC Financing (USD)

440,588

Total Assets after AFC Financing (USD)

56,268

Initial Cash (USD)

5,840

Cash after AFC Financing (USD)

20,000

Impact of AFC Financing on Production/Processing/Trading/ Capacity

30% rise

Overall Impact of AFC Financing on Level of Employment (SME Unit based)

40% rise

Impact of AFC Financing on Female Level of Employment (SME Unit based)

No change

Impact of AFC Financing on Sales/Service Volume

25% rise

Rise in Clientele (SME Unit based)

20% rise

Impact of AFC Financing on Profit Margins (SME Unit based)

5-7% rise

 

Key Impact Factors

Business Description / Core Activity

Farming / Crops Cultivation and livestock

Inception of Business Since

From Generations

AFC Financed on

14th November  ,2005

Assets Description financed by AFC

One unit Belarus Tractor with three ploughs, trailer, and thresher.

Net Financed Amount (In USD)

15,360

Sector (Agro / Non-Agro)

Agro Business

Category of Entrepreneur (Male / Female)

Male

Total Assets before AFC Financing (USD)

392,100

Total Assets after AFC Financing (USD)

406,500

Initial Cash (USD)

6,000

Cash after AFC Financing (USD)

25,500

Impact of AFC Financing on Production/Processing/Trading/ Capacity

20% rise

Overall Impact of AFC Financing on Level of Employment (SME Unit based)

30% rise

Impact of AFC Financing on Female Level of Employment (SME Unit based)

No change

Impact of AFC Financing on Sales/Service Volume

15% rise

Rise in Clientele (SME Unit based)

10% rise

Impact of AFC Financing on Profit Margins (SME Unit based)

8-10% rise

 

Key Impact Factors

Business Description / Core Activity

Farming / Crops Cultivation

Inception of Business Since

25 yrs

AFC Financed on

8th October ,2005

Assets Description financed by AFC

One unit Belarus Tractor with three ploughs, trailer, rice processing machine and desk.

Net Financed Amount (In USD)

13,360

Sector (Agro / Non-Agro)

Agro Business

Category of Entrepreneur (Male / Female)

Male

Total Assets before AFC Financing (USD)

167,312

Total Assets after AFC Financing (USD)

180,672

Initial Cash (USD)

1,850

Cash after AFC Financing (USD)

17,500

Impact of AFC Financing on Production/Processing/Trading/ Capacity

25% rise

Overall Impact of AFC Financing on Level of Employment (SME Unit based)

20% rise

Impact of AFC Financing on Female Level of Employment (SME Unit based)

No change

Impact of AFC Financing on Sales/Service Volume

25% rise

Rise in Clientele (SME Unit based)

10% rise

Impact of AFC Financing on Profit Margins (SME Unit based)

8-10% rise

 

Key Impact Factors

Business Description / Core Activity

Farming / Crops Cultivation

Inception of Business Since

20 yrs

AFC Financed on

1st June ,2005

Assets Description financed by AFC

One unit Messy Ferguson Tractor

Net Financed Amount (In USD)

8,034

Sector (Agro / Non-Agro)

Agro Business

Category of Entrepreneur (Male / Female)

Male

Total Assets before AFC Financing (USD)

85,500

Total Assets after AFC Financing (USD)

99,500

Initial Cash (USD)

2,500

Cash after AFC Financing (USD)

12,500

Impact of AFC Financing on Production/Processing/Trading/ Capacity

25% rise

Overall Impact of AFC Financing on Level of Employment (SME Unit based)

25% rise

Impact of AFC Financing on Female Level of Employment (SME Unit based)

No change

Impact of AFC Financing on Sales/Service Volume

20% rise

Rise in Clientele (SME Unit based)

15% rise

Impact of AFC Financing on Profit Margins (SME Unit based)

5% rise

 
 

Key Impact Factors

Business Description / Core Activity

Photography/ movie making 

Inception of Business Since

20 years

AFC Financed on

11th April ,2006

Assets Description financed by AFC

One unit brand new Konica 878 Printer with all accessories, one unit air conditioner and one unit generator.

Net Financed Amount (In USD)

9,600

Sector (Agro / Non-Agro)

Non- Agro Business

Category of Entrepreneur (Male / Female)

Male

Total Assets before AFC Financing (USD)

31,316

Total Assets after AFC Financing (USD)

42,350

Initial Cash (USD)

5,000

Cash after AFC Financing (USD)

18,500

Impact of AFC Financing on Production/Processing/Trading/ Capacity

17% rise

Overall Impact of AFC Financing on Level of Employment (SME Unit based)

15% rise

Impact of AFC Financing on Female Level of Employment (SME Unit based)

No change

Impact of AFC Financing on Sales/Service Volume

18% rise

Rise in Clientele (SME Unit based)

25% rise

Impact of AFC Financing on Profit Margins (SME Unit based)

6.68% rise

 
 

Key Impact Factors

Business Description / Core Activity

Manufacturing  of PVC  Pipes / Hand pumps

Inception of Business Since

10 years

AFC Financed on

7th June ,2006

Assets Description financed by AFC

PVC pipes production Machines

Net Financed Amount (In USD)

44,800

Sector (Agro / Non-Agro)

Non- Agro Business

Category of Entrepreneur (Male / Female)

Male

Total Assets before AFC Financing (USD)

152,799

Total Assets after AFC Financing (USD)

205,017

Initial Cash (USD)

115,000

Cash after AFC Financing (USD)

160,000

Impact of AFC Financing on Production/Processing/Trading/ Capacity

33% rise

Overall Impact of AFC Financing on Level of Employment (SME Unit based)

20% rise

Impact of AFC Financing on Female Level of Employment (SME Unit based)

No change

Impact of AFC Financing on Sales/Service Volume

30% rise

Rise in Clientele (SME Unit based)

12-15% rise

Impact of AFC Financing on Profit Margins (SME Unit based)

4-5% rise

 
 

Key Impact Factors

Business Description / Core Activity

Vehicles Rental Services 

Inception of Business Since

2003

AFC Financed on

10th March ,2006

Assets Description financed by AFC

3 Units Nissan Terrano, 1 Units Nissan Pickup, and 1 Units Nissan Patro

Net Financed Amount (In USD)

92,625

Sector (Agro / Non-Agro)

Non- Agro Business

Category of Entrepreneur (Male / Female)

Male

Total Assets before AFC Financing (USD)

989,606

Total Assets after AFC Financing (USD)

1,082,231

Initial Capital  (USD)

740,000

Capital after AFC Financing (USD)

775,000

Impact of AFC Financing on Production/Processing/Trading/Serving Capacity

152% rise

Overall Impact of AFC Financing on Level of Employment (SME Unit based)

35% rise

Impact of AFC Financing on Female Level of Employment (SME Unit based)

No change

Impact of AFC Financing on Sales/Service Volume

152% rise

Rise in Clientele (SME Unit based)

20% rise

Impact of AFC Financing on Profit Margins (SME Unit based)

30% rise

 

Key Impact Factors

Business Description / Core Activity

Manufacturing of different life saving drugs  

Inception of Business Since

1997

AFC Financed on

17th August ,2006

Assets Description financed by AFC

Liquid Filler Machine, HZ-880 semi automatic blow molding machine, 50kg capacity Ointment mixing tank, Bottle washer, Capping machine and Cream mixer machine.

Net Financed Amount (In USD)

50,000

Sector (Agro / Non-Agro)

Agro Business

Category of Entrepreneur (Male / Female)

Male

Total Assets before AFC Financing (USD)

835,130

Total Assets after AFC Financing (USD)

885,130

Initial Capital  (USD)

50,000

Capital after AFC Financing (USD)

75,500

Impact of AFC Financing on Production/Processing/Trading/ Capacity

10.46% rise

Overall Impact of AFC Financing on Level of Employment (SME Unit based)

40% rise

Impact of AFC Financing on Female Level of Employment (SME Unit based)

30% rise

Impact of AFC Financing on Sales/Service Volume

9% rise

Rise in Clientele (SME Unit based)

15% rise

Impact of AFC Financing on Profit Margins (SME Unit based)

3.33% rise

 
 

Key Impact Factors

Business Description / Core Activity

Health-Care Services/Medical Diagnostics

Inception of Business Since

1997

AFC Financed on

10th July ,2006

Assets Description financed by AFC

CT Scan Machine

Net Financed Amount (In USD)

50,000

Sector (Agro / Non-Agro)

Non- Agro Business

Category of Entrepreneur (Male / Female)

Male

Total Assets before AFC Financing (USD)

230,159

Total Assets after AFC Financing (USD)

280,159

Initial Capital  (USD)

200,000

Capital after AFC Financing (USD)

275,000

Impact of AFC Financing on Production/Processing/Trading/ Capacity

45% rise

Overall Impact of AFC Financing on Level of Employment (SME Unit based)

10% rise

Impact of AFC Financing on Female Level of Employment (SME Unit based)

5% rise

Impact of AFC Financing on Sales/Service Volume

30% rise

Rise in Clientele (SME Unit based)

30% rise

Impact of AFC Financing on Profit Margins (SME Unit based)

20% rise

 
 

Key Impact Factors

Business Description / Core Activity

Manufacturing of Life Saving Drugs

Inception of Business Since

2002

AFC Financed on

7th December ,2005

Assets Description financed by AFC

Blending machines, packaging machines, tablet machines and liquid filling machines.

Net Financed Amount (In USD)

199,720

Sector (Agro / Non-Agro)

Agro Business

Category of Entrepreneur (Male / Female)

Male

Total Assets before AFC Financing (USD)

991,203

Total Assets after AFC Financing (USD)

1,206,923

Initial Capital  (USD)

950,000

Capital after AFC Financing (USD)

1,000,000

Impact of AFC Financing on Production/Processing/Trading/ Capacity

100% rise

Overall Impact of AFC Financing on Level of Employment (SME Unit based)

60% rise

Impact of AFC Financing on Female Level of Employment (SME Unit based)

75% rise

Impact of AFC Financing on Sales/Service Volume

100% rise

Rise in Clientele (SME Unit based)

100% rise

Impact of AFC Financing on Profit Margins (SME Unit based)

30% rise

 
 

Key Impact Factors

Business Description / Core Activity

IT related service, including cabling, networking solutions, modern software and hardware solution and ISP.

Inception of Business Since

2002

AFC Financed on

13th December ,2006

Assets Description financed by AFC

Short term loan

Net Financed Amount (In USD)

230,000

Sector (Agro / Non-Agro)

Non- Agro Business

Category of Entrepreneur (Male / Female)

Male

Total Assets before AFC Financing (USD)

307,440

Total Assets after AFC Financing (USD)

330,000

Initial Capital  (USD)

150,000

Capital after AFC Financing (USD)

175,000

Impact of AFC Financing on Production/Processing/Trading/ Capacity

121% rise

Overall Impact of AFC Financing on Level of Employment (SME Unit based)

10% rise

Impact of AFC Financing on Female Level of Employment (SME Unit based)

No change

Impact of AFC Financing on Sales/Service Volume

123% rise

Rise in Clientele (SME Unit based)

20% rise

Impact of AFC Financing on Profit Margins (SME Unit based)

9.5% rise

 
 

Key Impact Factors

Business Description / Core Activity

IT related service, /ISP, telecom/modern software solutions, Networking solutions and supply of IT related equipments.    

Inception of Business Since

2005

AFC Financed on

25th July ,2006

Assets Description financed by AFC

Short term loan / Vehicles Lease

Net Financed Amount (In USD)

887,200

Sector (Agro / Non-Agro)

Non- Agro Business

Category of Entrepreneur (Male / Female)

Male

Total Assets before AFC Financing (USD)

2,112,956

Total Assets after AFC Financing (USD)

2,250,156

Initial Capital  (USD)

900,000

Capital after AFC Financing (USD)

1,125,000

Impact of AFC Financing on Production/Processing/Trading/ Capacity

55% rise

Overall Impact of AFC Financing on Level of Employment (SME Unit based)

15% rise

Impact of AFC Financing on Female Level of Employment (SME Unit based)

10% rise

Impact of AFC Financing on Sales/Service Volume

55% rise

Rise in Clientele (SME Unit based)

25% rise

Impact of AFC Financing on Profit Margins (SME Unit based)

2.79% rise

 
 

Key Impact Factors

Business Description / Core Activity

Washers & Dry Cleaners    

Inception of Business Since

2002

AFC Financed on

5th May,2005

Assets Description financed by AFC

Two units  Hyundai Cargo Vans 

Net Financed Amount (In USD)

24,000

Sector (Agro / Non-Agro)

Non- Agro Business

Category of Entrepreneur (Male / Female)

Male

Total Assets before AFC Financing (USD)

370,600

Total Assets after AFC Financing (USD)

402,800

Initial Capital  (USD)

250,000

Capital after AFC Financing (USD)

315,000

Impact of AFC Financing on Production/Processing/Trading/Service Capacity

10% rise

Overall Impact of AFC Financing on Level of Employment (SME Unit based)

20% rise

Impact of AFC Financing on Female Level of Employment (SME Unit based)

No change

Impact of AFC Financing on Sales/Service Volume

10% rise

Rise in Clientele (SME Unit based)

5-6% rise

Impact of AFC Financing on Profit Margins (SME Unit based)

No change

 
 

Key Impact Factors

Business Description / Core Activity

Poultry Farm    

Inception of Business Since

2002

AFC Financed on

25th October,2005

Assets Description financed by AFC

Chicks Incubator  and Generator 415KVA

Net Financed Amount (In USD)

48,000

Sector (Agro / Non-Agro)

Agro Business

Category of Entrepreneur (Male / Female)

Male

Total Assets before AFC Financing (USD)

403,693

Total Assets after AFC Financing (USD)

451,693

Initial Capital  (USD)

50,000

Capital after AFC Financing (USD)

65,000

Impact of AFC Financing on Production/Processing/Trading/ Capacity

None as business could not take start

Overall Impact of AFC Financing on Level of Employment (SME Unit based)

None as business could not take start

Impact of AFC Financing on Female Level of Employment (SME Unit based)

None as business could not take start

Impact of AFC Financing on Sales/Service Volume

None as business could not take start

Rise in Clientele (SME Unit based)

None as business could not take start

Impact of AFC Financing on Profit Margins (SME Unit based)

None as business could not take start

 
 

Key Impact Factors

Business Description / Core Activity

Toilet Paper rolls / Napkins  Manufacturer

Inception of Business Since

2002

AFC Financed on

21st November,2006

Assets Description financed by AFC

One Complete set of Toilet paper & Napkin producing machine, steam boiler, paper grinder and mixing machine. 

Net Financed Amount (In USD)

21,000

Sector (Agro / Non-Agro)

Agro Business

Category of Entrepreneur (Male / Female)

Male

Total Assets before AFC Financing (USD)

241,832

Total Assets after AFC Financing (USD)

262,832

Initial Capital  (USD)

135,000

Capital after AFC Financing (USD)

175,000

Impact of AFC Financing on Production/Processing/Trading/ Capacity

70.41% rise

Overall Impact of AFC Financing on Level of Employment (SME Unit based)

35% rise

Impact of AFC Financing on Female Level of Employment (SME Unit based)

No change

Impact of AFC Financing on Sales/Service Volume

42% rise

Rise in Clientele (SME Unit based)

25% rise

Impact of AFC Financing on Profit Margins (SME Unit based)

0.42% rise

 
 

Key Impact Factors

Business Description / Core Activity

Trading of Frozen Meat, Fruit & Vegetables.

Inception of Business Since

March 2004

AFC Financed on

27 February 2006

Assets Description financed by AFC

Cold Storage Equipment

Net Financed Amount (In USD)

185,903

Sector (Agro / Non-Agro)

 Agro Business

Category of Entrepreneur (Male / Female)

Male

Total Assets before AFC Financing (USD)

690,286

Total Assets after AFC Financing (USD)

743,586

Initial Capital  (USD)

475,000

Capital after AFC Financing (USD)

775,000

Impact of AFC Financing on Production/Processing/Trading/ Capacity

40% rise

Overall Impact of AFC Financing on Level of Employment (SME Unit based)

25% rise

Impact of AFC Financing on Female Level of Employment (SME Unit based)

No change

Impact of AFC Financing on Sales/Service Volume

35% rise

Rise in Clientele (SME Unit based)

35% rise

Impact of AFC Financing on Profit Margins (SME Unit based)

20% rise

 
 

Key Impact Factors

Business Description / Core Activity

Health Care services (OPD, Diagnostics, Investigations etc)

Inception of Business Since

December 2005

AFC Financed on

March 2006

Assets Description financed by AFC

Medical Equipment (ETT, ECG).

Net Financed Amount (In USD)

76,400

Sector (Agro / Non-Agro)

Non-Agro

Category of Entrepreneur (Male / Female)

Male

Total Assets before AFC Financing (USD)

245,315

Total Assets after AFC Financing (USD)

328,115

Initial Capital  (USD)

110,000

Capital after AFC Financing (USD)

275,000

Impact of AFC Financing on Production/Processing/Trading/ Capacity

52.63% rise

Overall Impact of AFC Financing on Level of Employment (SME Unit based)

10% rise

Impact of AFC Financing on Female Level of Employment (SME Unit based)

5% rise

Impact of AFC Financing on Sales/Service Volume

40% rise

Rise in Clientele (SME Unit based)

30% rise

Impact of AFC Financing on Profit Margins (SME Unit based)

20% rise

 
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