Smart farming

Entrepreneur

About Me

Am an industrious man full of energy with entrepreneurial skills despite that I have a professional life of being a lecturer while also a part time farmer which have done for now the fourth year running and am happy with being an entrepreneur.My farming has employed now since young people who are proud of their engagement in my business.
CAREER STATEMENT

I am a self-inspired strategic entrepreneur, mentor, business development consultant,

leader, and a human rights and gender advocate. I have a passion for mobilizing and

directing communities towards sustainable use of their resources to ensure social and

economic development.

I have been involved in work in various areas that include saving and improving lives,

and building community capacity, good governance and policy work. I am therefore

tenacious, organised, focused and analytical - always seeking to learn, grow and be

dependable.

My Business

In a nutshell, debt (borrowing money, with interest) allows us to accelerate our goals, turning dreams of tomorrow into realities of today. While borrowed money might buy us a tractor, a new barn, or even the land we’ll be farming, experience, the most valuable farming asset of all, cannot be purchased.

Experience doesn’t come with a Bachelor’s Degree in Agriculture, and it certainly doesn’t come from a book. Agriculture is fraught with uncertainties, surprises, and intellectual challenges. And that’s just before lunch. Adding monthly payments to this intimidating list financially handcuffs most people right from the start.

So does this mean ‘never take on debt’? Certainly not. There are plenty of times when leveraging assets makes sense. As you gain farming experience, and create reliable cash flow in your business, these opportunities (or necessities) will become cleare.In the meantime, however, embrace this generalization: avoid debt as much as possible.

Loan Proposal

PENSES AMOUNT OF
CASH NEEDED
Housing your Business:
Constructing a building? List costs per contractor estimate.
Renovating a building? Purchasing a building? Renting? Your rental deposit is a start-up cost. $
Outfitting your Place of Business: Now take a look at what it will cost to outfit your business. You will need
to consider the interior of your place of business, as well as the exterior. $
Fixtures: Counters, built-in storage shelves and cabinets and window display fixtures. Greenhouse/season
extension fixtures. Fixtures in outbuildings. $
Transportation and Installation of Fixtures: $
Office Equipment: The one-time cost, if paid in full with cash, of office computer hardware and software,
printers, fax machines, copier machines, telephone and telephone systems, cash registers, office safe and
delivery equipment, if needed. Record the cash down payment if you will be purchasing the equipment on
contract. $
Farm Equipment & Business Machinery: Additional farm equipment needed for your new operation?
Processing equipment? Packaging equipment? Sales equipment (cash register/credit card machine)?
Vehicles? Security Systems? If your business will require machinery or equipment to produce or display your
product, record the one-time cost of purchasing that equipment, if paid in full with cash, or the cash down
payment, if purchased on contract. If you will be leasing your equipment, record the lease fees that must be paid
before opening. $
Transportation and Installation of Equipment: Record what you expect to pay for the transportation and
installation of your various pieces of equipment. Will you need to hire a computer consultant to advise you on
your hardware needs, or to install software? Someone to program a cash register or install a vent hood in a food
preparation area? An electrician? $
Furniture: If you need office furnishings (desks, credenzas, file cabinets, bookcases, sofas, chairs, end tables,
lamps), record the cost of each. If you’re paying cash in full, enter the full retail price. If you are going to pay by
installments, make note of the down payment as your start-up cost. Outdoor furniture may be important for farm
visitors. $
Decorating and remodeling: It can take significant work to make a home/farm setting appealing and
welcoming to the public. If your farm office or retail space will need to be reconfigured, or you will need to
redecorate, anticipate what you will spend to do so. Talk to suppliers with whom you plan to purchase these
services, and record in this category the cash price of such services. $
Business Exterior: You may also incur some costs to prepare the exterior of your place of business for opening.
Consider whether you will need to purchase outside signs or exterior lighting and record the cost. Anticipate
other expenses you will incur to ensure an attractive, safe entry to your place of business. Ask local officials
about parking requirements and codes. Get estimates

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