CASHFLOW ANALYSIS
ACCOUNT NAME: VIRGINIA CAUSING Date: 8-May-20
ACCOUNT OFFICER: DANSTER DENIE RAAGAS Product: Proyekto Ma-asenso
Loan Status Reloan
AMOUNT
PARTICULARS
Daily Weekly Semi-Monthly Monthly Monthly Totals
Income from Sales/ Services
Business 1: VEGETABLE SELLING 750.00 21,000.00
Business 2: SARI-SARI STORE 6,000.00 168,000.00
Business 3: FOOD VENDING -
Business 4: -
Business 5: -
Total Business Income 6,750.00 - - - 189,000.00
Business Expenses (
Cost of Sales/ Services -
Business 1: 375.00 - 10,500.00
Business 2: 4,800.00 - 134,400.00
Business 3: - - -
Business 4: - -
Business 5: -
Total Cost of Sales/ Services 5,175.00 - - - 144,900.00
Other Business Expenses
Labor 400.00 1,600.00
Rent -
Utilities -
Transportation -
Fuel -
Others (Pls. Specify) -
Commision -
Maintenance -
-
-
-
Total Other Business Expenses - 400.00 - - 1,600.00
Total Business Expenses 5,175.00 400.00 - - 146,500.00
NET BUSINESS INCOME 1,575.00 (400.00) - - 42,500.00
Other Household Income
Salaries 12,500.00 25,000.00
Pension -
Remittance -
Farm (Pls. Specify)
Other Income (Pls. Specify) -
DRIVER - HUSBAND -
-
-
Total Other Household Income - - 12,500.00 - 25,000.00
TOTAL BUSINESS & OTHER HOUSEHOLD INCOME 1,575.00 (400.00) 12,500.00 - 67,500.00
Household Expenses
Food 200.00 5,600.00
Utilities 2,500.00 2,500.00
Fuel -
Transportation 50.00 1,400.00
Communication -
Medical -
Total Household Expenses 250.00 - - 2,500.00 9,500.00
Other Household Expenses
Education 2,000.00 2,000.00
Insurance Premium -
Others (Pls. Specify) -
2,000.00 2,000.00
-
Additional expenses to be provided 494.04 13,833.12
Total Other Household Expenses 494.04 - - 4,000.00 17,833.12
ADD: Miscellaneous Expense ( 10%) 74.40 - - 650.00 2,733.31
Total Household & Other Expenses 818.44 - - 7,150.00 30,066.43
Net Cash from Business and Household
Activities 756.56 (400.00) 12,500.00 (7,150.00) 37,433.57
Other Cash Inflows
Collection from Accounts Receivables -
Others -
Total Other Cash Inflows - - - - -
Other Cash Outflows
Loan Payments 2,270.00 2,270.00
Payments to Supplier -
Other Installment Payments -
Household Rental -
Others (Pls. Specify) -
-
Total Other Cash Outflows - - - 2,270.00 2,270.00
NET CASH INFLOW/ (OUTFLOW) 756.56 (400.00) 12,500.00 (9,420.00) 35,163.57
DEBT CAPACITY ANALYSIS
Equivalent Daily Cash Inflow/ (Outflow) 5,295.89
Equivalent Weekly Cash Inflow/ (Outflow) (400.00) Prepared by: DANSTER DENIE RAAGAS
Equivalent Semi-Monthly Cash Inflow/ (Outflow) - Account/ Project Officer
Equivalent Monthly Cash Inflow/ (Outflow) (2,355.00) Date: 5/8/2020 3:10
Estimated Amount For Debt Service 2,540.89
Adjusted Debt
Maximum Capacity
Loan Rate: for
Entitlement 762.27
months/days/weeks 14,706.13 Checked by: ROMMEL A. ROSALES
Account/ Project Supervisor
Frequency of Collection Weekly Date:
No. of months: 6
No. of collection days: 24
Adjusted Debt Capacity Rate 30% Approved by: GEOVANNI IANG JURIAL
Interest rate: 1.90% Unit/ Branch Manager
Service Charge 13% Date:
1
4
Upon opening this file, fill in cells with the information gathered from the clients as to its respective income and expenses.
Choose in the drop down list as to the Frequency of Collection (i.e Daily, Weekly, Semi - monthly, Monthly).
Input the term of loan that the client wishes to apply for based on No. of Months.
Press (Ctrl + P) to print the cashflow statement analysis.
A. The computed price mark-up or profit margin should not exceed the maximum standard rate set by the MFU for each type of en
-20% price mark-up for sari-sari stores,
-25% for other retail shops (e.g. General Merchandise, Hardware, etc.)
-50% for carenderias and food processing activities
-50% for services such as massage parlor and other service – oriented activities
-70% for Professional Services
B. Average Family Expenditures Per NSO data (Use by SBC)
Standard Annual Expenditures Brackets Standard Average Daily Expenditures Brackets
Size of Family Rural Urban NCR Rural Urban NCR
1-2 persons 100,000.00 150,000.00 250,000.00 277.78 416.67 694.44
3-4 persons 150,000.00 200,000.00 300,000.00 416.67 555.56 833.33
5-6 persons 200,000.00 250,000.00 350,000.00 555.56 694.44 972.22
7-8 persons 250,000.00 300,000.00 400,000.00 694.44 833.33 1,111.11
more than 8 350,000.00 400,000.00 500,000.00 972.22 1,111.11 1,388.89
C. Maximum Loan Entitlement Computation
Maximum Loan Entitlement = Estimated Amount for Debt Services x No. of Installment
Total Interest Rate x Term of the Loan
The Net Business and Household Income balance shall be carried over to the Equivalent Daily Net
Income and so as the balances under columns Weekly, Semi – Monthly and Monthly to their respective
equivalents. Note that any positive results on the right portion based on the client’s preferable timing of
amortization shall not be included in the computation for the Estimated Amount for Debt Services. But if
the result is negative, then it shall be included in the computation.
In computing the Maximum Loan Entitlement, add the equivalent net income of all columns and then
follow the formula in computing the Maximum Loan Entitlement.
set by the MFU for each type of enterprise
