The J-fund

Local partner: NOA SAVINGS AND LOAN CO-OPERATIVE, Osijek, Županijska 7/II

                                    phone: 031-200-466; 031-207-466;    fax: 031-200-477

JDC paris office: 5 Avenue Matignon, F-75008 Paris, France – Tel. 33 1 56 59 79 79 – Fax 33 1 56 59 79 89

 

LOAN APPLICATION                     # _______/__.__.2000.   amount requested:_________________                  sector:_______________________ repayment period:_________________                  region:____________________ grace period:__________                         guaranty:___________________________

           

1. General details

 

Business status (erase)	New business /existing business
Business name
Date of registration
Address of business
Contact phone numbers
Email address
Internet site
Address of entrepreneurs
Age of entrepreneur
ID number
Field of business activity
Number of existing employees
Additional employees due to expansion plan
Number of disabled employees
Yearly turnover ( for existing businesses)
Anticipated additional income yearly

 

 

 

 

2a. For existing businesses only

 

	Year 2003	Year 2004	Year 2005	Year 2006
What are the past incomes of the business (Kuna)
What was the yearly profits
How much liabilities does the business have (loans)
What are the assets
Were there any Legal suits against the business

 

Explanations: ________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

 

 

 

 2b.For new business:

 

Do you have a diploma in your line of business? ________________________________________

 

     Which activities are you registered for?_________________________________________________

 

     Is this your main or additional activity?__________________________________________________

    

     Where do you work at present (if you do)?_______________________________________________

 

What is your present salary? _________________________________________________________

 

3. Products / Service

	Year 2007	Year 2008	Year 2009
Full year
Monthly average income
Amount of services/product

32. Who is going to buy your products?(most important customers)

 

 

 

 

 

 

 Who are your competitors and what is your relative advantage?

 

 

 

 

 

 

 

 

 

 How are your prices in comparison to your competitors?

 

 

 

 

 

 

 

 

4. Marketing & sales

 

How will you promote and sell your products/services?

 

 

 

 

 

 

What is your marketing mix and expenses?

	Monthly expenses	Yearly expense	remarks
Internet
advertisements
PR
Sign
Others__________
Others__________
Others__________
Total

 

How many units do you plan to sell in a one month period?_________________________________

During six month period?____________________________________________________________

What sort of raw-material are you using?________________________________________________

Are you getting it locally? Yes_____________ No_________

If not locally, where?_________________________ ______________________________________

Delivery terms?____________ _____________Payment terms?_____________________________

 

 

Expenditure calculation per one unit:

Raw material		Amount required for one product		Cost of one unit of the raw-material		One products’ expense
				TOTAL:

5. Investments and Loan

Investment	Amount	When will it be realized	remarks
Tools
Property
vehicle
Others:
Others:
Others:
Cash flow
Raw materials
Rent
Others:
Total

J-fund
Own capital
Other loans
Total

6. Organization and employees

Employee	Position	Brut Salary in Kuna (monthly)	Personal physical situation ( if handicapped please mention )	Remarks

PROFIT CALCULATION	Monthly		1st Year		2nd year		3rd year
Sold units (pieces, hours, services, rented days)
Income from sold units, provided services,rented room
Cost of Sales (direct)
Gross Profit
Electricity
Heating
Employee’s gross salaries
Transportation
Stationeries
Rent
Other expenses
Other expenses
Other expenses
Total operational costs
Total operational profit
Depreciation
Interest on loans
Tax
Total profit (after tax)

 

Cash flow

Clients' terms of payment – Due days
Suppliers' terms of payments – Due days
Raw materials  - average value in kuna
Loans payback – monthly sum

 

Explain your business case and why  you think you should receive the loan

 

 

 

  To this loan application I’m enclosing the following documentation:

      a.    Business registration

      b.    For agriculture, certificate of independent activity

      c.    Personal ID photocopy

      d.    Savings or checking account number photocopy

5. Photocopy of document with authorized signatures
6. Income tax statement, or business books conclusion
7. Investment specification or an estimate
8. Bill of product or service sale
9. New ownership deed for collateral used as guaranty
10. Bill of exchange
11. Endorser’s’ statements_____________________________________________________
12. _______________________________________________________
13. _______________________________________________________

If the loan gets approved, I will have to make profit during the loan repayment period.

If I don’t spend the loan money for the purpose as stated in the loan application, J-fund and NOA can, after a loan assignment control, ask for the loan to be repaid instantly, together with other expenses. I understand that I must fulfill my obligation to recruit handicapped employees as presented in the application otherwise I will have to return the loan instantly. If I am late with any installment, I will be punished in a way that I will have to pay the penalty fee. If my accounting books aren’t correct, I obligate myself to attend proper training organized by NOA, as well as I can loose the possibility of getting the loan

 

 

First and last name____________________________ Personal ID# ______________________

 

                                                                              JMBG____________________________

 

Signature____________________________________ Date_____________________________