VISION

To provide a platform that motivates members to create wealth for themselves, local
community and the society
MISSION
To support and equip the people with financial and technical services to create and sustain
wealth

EXECUTIVE SUMMARY

This is an integrated agro production system. It involves 1000 productive cluster members.
40% are engaged in producing rice, maize, soy beans, acha, tamba and ginger as feedstock for
rice mill and the cereal products mill respectively. The remaining 60% are engaged to breed
livestock, poultry and aqua products for the abattoir/meat processing plan. The fabrication
plant provides the spare parts needed to support the factories. This relation demands that the
grant recipients domicile their harvest with the firm. The commitment is to pay up within 48
hours of domiciling such harvest. The grant recipients are also expected to domicile their
sales/payment account through a designated bank. The firm supports every grant recipient to
establish productive agro business project. Our Group Dynamic Seminar is also provided to
mitigate any risk of failure. This is supported by a Decisive Monitoring and Evaluation
Consulting team. All emerging conflicts must be settled within 48 hours by the Crisis
Management Team.
Three major goals are to be achieved by this project. The project shall secure a competitive
market penetration in the food production chain in Nigeria in the next five years and venture
into the West African market within the next 10 years. In addition, we shall build sustainable
livelihood for benefiting SHFs communities lifting them permanently out of poverty with
progressive impact on the community and the nation; building SHFs asset security as a mitigant
for poor market access, price uncertainty and volatility and the activity of middlemen.

SECTION II-COMPANY OVERVIEW

A. Company Overview:
The company is established for the sole purpose of engineering the commercialization of
crop and livestock production in the Southern Plateau. In the West Africa region especially
Nigeria, common protein sources are eggs and fermented milk, with meat and fish as occasional
dietary options. With rising disposable income, growing middle class and urbanization, there is
growing huge potential for demand for cereal products and meat.
However, the present production is lagging behind demand and rising prices. The present
meat preference is beef, mutton, pork and fish. The project aims to create commercial crop
production cluster as feedstock for commercial livestock farmers. We support them with
commercial processing plants as Up-Takers.
The goal is to provide low price meat that is affordable by majority of the population. The
project creates a robust internal integrated system for a more productive engagement and
sustainability of program. Members are engaged to produce crops and livestock to feed
established Community Processing Facilities. The project is devoted to mopping all primary
produce from grant beneficiaries to feed the processing factories that are established for that
purpose. We are dedicated to upgrading informal crop and livestock producers to commercial
producers. The grant beneficiaries domicile their crops and livestock to feed the community
small and medium scale processing plants. They are grouped into 100, 200, 500 cluster cells for
this purpose. The processing and manufacturing facilities add value to the primary produce for
local, national and global markets to grow national economy. This is our internal security
against poor market access, price uncertainty and volatility and the activity of middle men.

The target primary raw material includes cereals (rice, maize, soy beans, cassava, acha,
tamba and ginger) and livestock (cattle, sheep, goats and pigs) poultry and fish.
The plants include:
 Cereal production mill
 Rice processing mill
 Livestock feeds processing plant
 Warehouses
 Fabrication plant to provide spare parts for machines in the region

SECTION III- INDUSTRY ANALYSIS

B. Market overview:
With a population of more than 200 million people, the country has huge potential for
mass production and marketing of foods, yet the country is currently assuming the
World’s poverty capital. More than 44% of the population of West Africa (400m people
projection for 2050) suffers from food insecurity. The consumers are mostly poor. Grain
production is still largely less than 100 m tons. The people dietary preferences are grain
products. For instance, rice import is between 30-40% of demand and is rising. Cereals are
needed to improve food security and raise income of Small Holder Farmers (SHF). The
huge untapped potential requires crop producers to provide feedstock for livestock
producers who in turn feed the slaughter houses on commercial basis. The informal
producers are proactively upgraded to become commercial producers. This process
satisfies the Federal Government ranching policy. Presently SHF sell their products at poor
prices, not earning decent income for the SHF. The process will drastically reduce food
import, increasing the earning power of the SHF significantly.

C. Relevant Market Size: The market is large and robust. We are interested in penetrating
major cities in Central and Southern Nigeria and moving beyond as the market permits.
Nigeria presently has a population of more than 200m people. The approach is to establish
Meat Shop Franchise located strategically in all major cities of Nigeria. The clustering will
 make the company dominate the market as our product are of high quality and are cheaper
and affordable by all. We also deliver fresh products through our refrigerated vans.

SECTION IV-Customer Analysis

D. Target Customers: The company is poised to organize the market into market cooperatives
to stabilize the market for sustainability. The women are choice group for strategic reasons.
City based hotels and centers are among the target clusters.
a. Meat shops
b. Hotels
c. Households
d. Eateries
e. Restaurant
f. Chefs
g. Outlets in neighboring states

Customer Needs: The demand is presently focused on eggs and fermented milk with beef
and fish as occasional dietary preference. With rising disposable income, growing middle class
and urbanization, there is growing huge potential for demand for cereal products and meat.

SECTION V-COMPETITIVE ANALYSIS

E. Direct competitors: These are people presently engaged in informal crop and livestock
production. They are petty producers with less than one hectare. The same people are to be
cultivated to imbibe commercial production as a career. Thank God they have the support
of grant to do so. We shall get them on our side with good advocacy and promotional
strategies. The project will minimize importation of cereal products and livestock.

F. Indirect Competitors: Imported cereals and livestock has always poised a threat to local
growers. Our offer involves quality hybrid seeds and livestock. We shall mitigate this
challenge by the incentives we provide within reasonable limits to keep us in business for a
long time. The local commercial farmers will enjoy official government support and policy.

G. Competitive Advantages: We are careful to introduce culturally acceptable crops and

livestock within reasonable time frame plan to produce our own feedstock for the
processing plants as expansion permits. We engage the customer through discounted
services and the support services offered by friendly Micro Finance Banks. Built into the
system is an incentive based educational and health insurance service for participating
farmers who domicile their crops and livestock for the project.

SECTION VI-MARKETING PLAN

H. Product and Services:

The target primary raw material includes cereals (rice, maize, soy beans, cassava, acha,
tamba and ginger) and livestock (cattle, sheep, goats and pigs) poultry and fish.
The processing plants include:
 Cereal production mill
 Rice processing mill
 Livestock feeds processing plant
 Warehouses
 Fabrication plant to provide spare parts for machines in the region

I. PRICING:

The customer is MUM to us and must be supported in every way possible to grow in the
business. As mark of respect for the customer we shall offer reasonable discounts and run
support funds through recommended Micro Finance Banks. Part of this support service is door
to door and shop to shop delivery.
J. Promotion Plan
As we expand we shall hire and train our personnel to cover not only Jos and environs but
states like, Taraba, Kaduna, Bauchi, Nasarawa and Abuja. We have a goal to be a leading
producer and distributor of cereal products and livestock in Northern central Nigeria. We shall
create awareness by using flyers, posters, media houses and signpost. We shall also create
outlets in neighboring states. Our marketers will operate as cooperative outlets.
K. Distribution Plan:
The strategy adopted by the company is to organize marketing network that is vibrant and
productive. Women marketers would be organized into cooperatives and supported to operate
efficiently. Cold stores and vehicles would also be provided as support to the cooperatives. The
customer open and maintain savings account with recommended Micro Finance Banks that are
willing to offer credit facilities for startup
SECTION VII-OPERATIONS PLAN

L. Operational Processes: The project is organized into the various plants for operational
purposes. Each is located strategically for accessibility to raw material, road network and
security. The Head office is located in Jos with sales offices in major cities of Nigeria. The
Heipang warehouse is strategic to take advantage of the Inland Port ant the Cargo Airport.

M. Milestones:
a. The setting up of the Head office in Jos
 b. The construction of factories and warehouses
c. The installation of equipment
d. Test running
e. Market launch
SECTION VIII –MANAGEMENT TEAM

f. Management Team Members:

The Monitoring and Evaluation Consultant is Plateau Oil Palm Industrial Parks Limited
team. It has in its team crop and livestock scientists and breeders. The team carries out
Decisive Monitoring and Evaluation by training grant beneficiaries at every level of
production (both crops and livestock) to mitigate risk of failure.

g. Management Team Gaps: More specialized training would be required by the staff
especially in the area of office and project management. It is a learning team. Only best fit
people remain on the project.

h. LEGAL RESPONSIBILITIES:
TAXES
 Local and States Government revenue
 Market revenue mobilization
REGISTRATION REQUIREMENT:
BUSINESS NAME availability check: on going
Business registration: later date
Opening of Bank accounts: completed
Feasibility studies: completed
Application for grant: in progress
Writing of Business plan: completed
Recruitment of employees: in progress
LICENCES: registration with Farmers Association and other statuary bodies
 FUNDING REQUIREMENTS/USE OF FUNDS
Total funding requirements is N2,000,000,000.00

ESTIMATE/ COSTING

S/No. Materials Quantity Rate/unit Amount

Machinery/Construction
1 Cereal mill –Baby /Adult foods 1 305,000,000

2 Rice processing mill 1 25,000,000

3 Livestock feeds processing plant 1 135,000,000

4 Aqua culture 1 27,000,000

5 Warehouses 3 175,000 ,000

6 Fabrication plant 1 43,000,000

7 Office complex 1 75,000,000

Total 785,000,000

S/No. WORKING CAPITAL Quantity Rate/unit Amount

1 Cereal mill –Baby /Adult foods 1 400,000,000

2 Rice processing mill 1 199,000,000

3 Livestock feeds processing plant 1 150,000,000

4 Aqua culture 1 79,000,000

5 Warehouses 3 202,000,000

6 Fabrication plant 1 90,000,000

7 Office complex 1 95,000,000

Total 1,215,000,000
 PERCENTAGE BREAKDOWN OF PAYMENT
TOTAL AMOUNT DUE: N2,000,000,000

PHASES PERCENTAGE % AMOUNT

1 35 700,000,000
2 35 700,000,000
3 30 600,000,000

PERCENTAGE ALLOCATION

Flour mill –Baby /Adult foods 705,000,000

Rice processing mill 224,000,000
Livestock feeds processing plant 285,000,000
Aqua culture 106,000,000
Warehouses 377,000,000
Fabrication plant 133,000,000
Office complex 170,000,000

Particular Allocation PHASE ONE PHASE TWO PHASE THREE

Flour mill –Baby /Adult foods 705,000,000 246,750,000 246,750,000 211,500,000
Rice processing mill 224,000,000 78,400,000 78,400,000 67,200,000
Livestock feeds processing plant 285,000,000 99,750,000 99,750,000 85,500,000
Aqua culture 106,000,000 37,100,000 37,100,000 31,800,000
Warehouses 377,000,000 131,950,000 131,950,000 113,100,000
Fabrication plant 133,000,000 46,550,000 46,550,000 39,900,000
Office complex 170,000,000 59,500,000 59,500,000 51,000,000

Total 2,000,000,000 700,000,000 700,000,000 600,000,000

 OPERATION ANALYSIS
Particular Operating cost Profit at 50% of
operating cost
S/No. WORKING CAPITAL
1 Flour mill –Baby /Adult foods 400,000,000 600,000,000

2 Rice processing mill 199,000,000 298,500,000

3 Livestock feeds processing plant 150,000,000 225,000,000

4 Aqua culture 79,000,000 118,500,000

5 Warehouses 202,000,000 303,000,000

6 Fabrication plant 90,000,000 135,000,000

Total 1,215,000,000 1,822,500,000

NOTE: GROWTH IS AT 20% ANNUALLY

YEAR ONE
1 2 3 4 5 6 7 8 9
CASH AT START OF 700,000,000
MONTH
GRANT 700,000,000 700,000,0 600,000,00
00 0
CASH SALES 15
IN 00
 TOTAL 700,000,000 390,000 180,000,00 750,000,0 440,000,0 230,000,00 120,000,00 650,000,00 340,000,0 20
CASH IN ,000 0 00 00 0 0 0 00 00
CASH MACHINERY/ 280,000,000 180,000 100,000,00 280,000,0 180,000,0 80,000,000 40,000,000 280,000,00 260,000,0
OUT CONSTRUCTION ,000 0 00 00 0 00

WORKING CAPITAL 30,000,000 30,000, 30,000,000 30,000,00 30,000,00 30,000,000 30,000,000 30,000,000 30,000,00 10
& 000 0 0 0 00
PERSONNEL
COST
MAINTANCE 25
0
TOTAL 310,000,000 210,000 130,000,00 310,000,0 210,000,0 110,000,00 70,000,000 310,000,00 290,000,0 12
CASH OUT ,000 0 00 00 0 0 00 00
CASH AT END OF 390,000,000 180,000 50,000,000 440,000,0 230,000,0 120,000,00 50,000,000 340,000,00 50,000,00 75
MONTH ,000 00 00 0 0 0 0

YEAR TWO
1 2 3 4 5 6 7 8 9
CASH AT START OF
MONTH
GRANT

CASH SALES 151,875,000 151,875 151,875,00 151,875,0 151,875,0 151,875,00 151,875,00 151,875,00 151,875,0 18
IN ,000 0 00 00 0 0 0 00 00
TOTAL 278,750,000 304,375 330,000,00 355,625,0 381,250,0 406,875,00 432,500,00 458,125,00 483,750,0 53
CASH IN ,000 0 00 00 0 0 0 00 00
CASH MACHINERY/
OUT CONSTRUCTION

WORKING CAPITAL 101,250,000 101,250 101,250,00 101,250,0 101,250,0 101,250,00 101,250,00 101,250,00 101,250,0 10
& ,000 0 00 00 0 0 0 00 00
PERSONNEL
COST
MAINTANANCE 25,000,000 25,000, 25,000,000 25,000,00 25,000,00 25,000,000 25,000,000 25,000,000 25,000,00 25
000 0 0 0 0
TOTAL 126,250,000 126,250 126,250,00 126,250,0 126,250,0 126,250,00 126,250,00 126,250,00 126,250,0 12
CASH OUT ,000 0 00 00 0 0 0 00 00
CASH AT END OF 152,500,000 178,125 203,750,00 229,375,0 255,000,0 280,625,00 306,250,00 331,875,00 357,500,0 41
 MONTH ,000 0 00 00 0 0 0 00 00

YEAR THREE

1 2 3 4 5 6 7 8 9
CASH AT START OF
MONTH
GRANT

CASH SALES 182,250,000 182,250 182,250,00 182,250,0 182,250,0 182,250,00 182,250,00 182,250,00 182,250,0 21
IN ,000 0 00 00 0 0 0 00 00
TOTAL 707,750,000 763,750 819,750,00 875,750,0 931,750,0 987,750,00 1,043,750, 1,099,750,0 1,155,750, 1,
CASH IN ,000 0 00 00 0 000 00 000 00
CASH MACHINERY/
OUT CONSTRUCTION

WORKING CAPITAL 101,250,000 101,250 101,250,00 101,250,0 101,250,0 101,250,00 101,250,00 101,250,00 101,250,0 10
& ,000 0 00 00 0 0 0 00 00
PERSONNEL
COST
MAINTANCE 25,000,000 25,000, 25,000,000 25,000,00 25,000,00 25,000,000 25,000,000 25,000,000 25,000,00 25
000 0 0 0 0
TOTAL 126,250,000 126,250 126,250,00 126,250,0 126,250,0 126,250,00 126,250,00 126,250,00 126,250,0 12
CASH OUT ,000 0 00 00 0 0 0 00 00
CASH AT END OF 581,500,000 637,500 693,500,00 749,500,0 805,500,0 861,500,00 917,500,00 973,500,00 1,029,500, 1,
MONTH ,000 0 00 00 0 0 0 000 00
 YEAR FOUR

1 2 3 4 5 6 7 8 9
CASH AT START OF
MONTH
GRANT

CASH SALES 218,700,000 218,700 218,700,00 218,700,0 218,700,0 218,700,00 218,700,00 218,700,00 218,700,0 26
IN ,000 0 00 00 0 0 0 00 00
TOTAL 1,525,550,0 1,618,0 1,710,450,0 1,802,900, 1,895,350, 1,987,800,0 2,080,250, 2,172,700,0 2,265,150, 2,
CASH IN 00 00,000 00 000 000 00 000 00 000 00
CASH MACHINERY/
OUT CONSTRUCTION

WORKING CAPITAL 101,250,000 101,250 101,250,00 101,250,0 101,250,0 101,250,00 101,250,00 101,250,00 101,250,0 10
& ,000 0 00 00 0 0 0 00 00
PERSONNEL
COST
MAINTANACE 25,000,000 25,000, 25,000,000 25,000,00 25,000,00 25,000,000 25,000,000 25,000,000 25,000,00 25
000 0 0 0 0
TOTAL 126,250,000 126,250 126,250,00 126,250,0 126,250,0 126,250,00 126,250,00 126,250,00 126,250,0 12
CASH OUT ,000 0 00 00 0 0 0 00 00
CASH AT END OF 1,399,300,0 1,491,7 1,584,200,0 1,676,650, 1,769,100, 1,861,550,0 1,954,000, 2,046,450,0 2,138,900, 2,
MONTH 00 50,000 00 000 000 00 000 00 000 00

YEAR FIVE

1 2 3 4 5 6 7 8 9
CASH AT START OF
MONTH
GRANT

CASH SALES 262,440,000 262,440 262,440,00 262,440,0 262,440,0 262,440,00 262,440,00 262,440,00 262,440,0 31
IN ,000 0 00 00 0 0 0 00 00
TOTAL 2,809,910,0 2,946,1 3,082,290,0 3,218,480, 3,354,670, 3,490,860,0 3,627,050, 3,763,240,0 3,899,430, 4,
CASH IN 00 00,000 00 000 000 00 000 00 000 00
CASH MACHINERY/
OUT CONSTRUCTION
WORKING CAPITAL 101,250,000 101,250 101,250,00 101,250,0 101,250,0 101,250,00 101,250,00 101,250,00 101,250,0 10
& ,000 0 00 00 0 0 0 00 00
PERSONNEL
COST
MAINTANANCE 25,000,000 25,000, 25,000,000 25,000,00 25,000,00 25,000,000 25,000,000 25,000,000 25,000,00 25
000 0 0 0 0
TOTAL 126,250,000 126,250 126,250,00 126,250,0 126,250,0 126,250,00 126,250,00 126,250,00 126,250,0 12
CASH OUT ,000 0 00 00 0 0 0 00 00
CASH AT END OF 2,683,660,0 2,819,8 2,956,040,0 3,092,230, 3,228,420, 3,364,610,0 3,500,800, 3,636,990,0 3,773,180, 3,
MONTH 00 50,000 00 000 000 00 000 00 000 00

PROJECTED SALES AND COST PLAN PROFIT FOR FIVE YEARS

SALES YEAR YEAR YEAR YEAR YEAR

ONE TWO THREE FOUR FIVE
REVENUE 455,625,0 1,913,62 2,296,35 2,755,62 3,306,74
00 5,000 0,000 0,000 4,000
SALARIES 360,00 360,000, 360,000, 360,000, 360,000,
0,000 000 000 000 000
DEPRECIA 84,000, 84,000,0 84,000,0 84,000,0 84,000,0
TION 5% 000 00 00 00 00
MISCELLA 50,000, 50,000,0 50,000,0 50,000,0 50,000,0
NOUS 000 00 00 00 00
PROFIT 11,625, 1,419,62 1,802,35 2,261,62 2,812,74
BEFORE TAX 000 5,000 0,000 0,000 4,000
CORPORA 3,487,5 425,887, 540,705, 678,486, 843,823,
TE TAX 30% 00 500 000 000 200
PROFIT 8,137,5 993,737, 1,261,64 1,583,13 1,968,92
AFTER TAX 00 500 5,000 4,000 0,800