Welcome

The Business Plan

Youve got a business idea. Youve decided to start a business.

You want to get going.

But theres a lot more to a good business than a good idea.

You need to think things through to maximise your chances of success.

Are you the right person to run the business? Will customers like your product?

A business plan will help you turn an idea into a business. It needs you to think through all the parts of your business to plan how everything will work. It will take a few weeks to write if youre going to do it properly. Some parts will be easier to complete than others.

Stick at it because its not the final document thats important, its the process. Although you want to have a good plan when youre done, an OK plan is better than no plan.

The Princes Trust Business Plan Pack

The best business plans arent long and complex; they explain only the most important information what you want to achieve, how you will get there and the things you need to do along the way.

Its best to tackle a business plan in small chunks. The Princes Trust Business Plan Pack can help. This is The Business Plan divided into sections to help you develop your business idea. You can use the information in The Guide to help you complete the sections. Some of the sections of The Business Plan have tables to record the financial parts of your business. The tables are also available in MS Excel format and the sums in these are automatic.

The Princes Trust Enterprise Programme

The Princes Trust has helped many young people to complete their business plans and start their own businesses. If you are aged 1830 and unemployed or working fewer than 16 hours per week, then we might be able to help you. We have offices throughout the UK and in each there is a team of Enterprise Programme staff.To take part, you need to be interested in self employment and have a business idea that you would like help to test and explore. The programme can then help you to see if your business idea will work and whether self employment is right for you. If through this process you find out it is, the programme can offer mentoring support and, if you really need it, financial support to start your business. However, if self employment turns out not to be the right option, the programme can offer support to secure other goals in employment, education, training or voluntary work.We cant guarantee that your business will work or that we will be able to offer you money, but if you are up for a challenge and want our help to explore your business idea, get in touch and come and meet us.Getting started

Whose plan is this?

Business and owner details:In Indonesia, people with busy schedules often find themself off guard about their financial situation. They do laundry, they do hanging outs, they buy this, they buy that, only to discover that they have spent the entire paycheck within the first 3 weeks. How could that actually happen ? arent those people aware of how to manage their finance properly ?, arent they aware they should save a little money for the emergency fund ?, arent they aware they should not take anymore credits or debts ?, arent they aware they should save for retirement ?, the matter of fact is, most of them are. So, how come those people kept doing the same mistakes every month ?, its because they do not have the tools, and cannot afford a personal financial planners for themself or simply think, its not worth the expense, even if they do care of hiring financial planners, they are too lazy to write down the financial checkup!. Now lets assume we are living in a perfect world and people are really nice and determined in managing their finance, they will come up with a couple of tools :

1. A Note book, i mean, a paper book, so everytime there are expense or transaction, they write it down quickly and manually.

2. A laptops, tablets or smartphones, everytime there are expense, they input it down manually.

3. Online personal finance software, everytime there are transaction they can put it down, anytime and anywhere manually.

However, all those tools has failed to resolve the fundamental problems resides in human nature, -their laziness-, people are lazy to walk, thats why they build cars and other transportations, people are too lazy to carry a heavy books, thats why there was tablet computer, and people are too lazy to input all those transaction everyday manually --, its really painful and they are simply too busy for that.

Fast forward and we are now at the other side of the table, the financial planners perspective. Once upon a time, there is one confused client looking for a financial planner, asking him to manage his finance properly. Financial Planner ask him for a financial checkup, and showed them the sophisticated tools of a cluttered-clumsy-boring-complicated-inconsistent-inefficient-and-ineffective of the ultimate spreadsheet!. After that client being interrogated of his financial situation, the client agrees to make a retirement plan. And finally, the financial planner write down a report consisting a few dozen sheets of paper, and review it every six month or a year -- manually.

When the time comes for a review, financial planner discovered that his client is already doubled his salary, doubled his debts, already married, bought a new house with a mortgage, and wants to buy a fancy car. The clueless financial planner confused when his client ask whether or not to buy a fancy car with his financial situation, so he decided to start the check all over again, from the beginning again, manually.

Arent there any better way out of this ?

With all these problem, Dompetsehat comes up with a solution to put it all together in one place, every transaction is recorded automatically, net worth and balance sheets are adjusted automatically, due date are reminded automatically, budgeting are formed automatically from the past spendings, so when the time comes for a strategic review, whether its personal review or financial planner review, it is presented in a beautifully simple, clutter free and eye catching tools. And that way makes everybody happy.

With that in mind, the existence of Dompetsehat will solves a direct impact, and indirect impact which we will be explaining later on :

Business name:Dompet SehatOwner(s) name:Andwi ValentineBusiness address and postcode:Jln. Mawar No 4 Babadan Baru Sleman, 55283Business telephone number:085233348885Business email address:mail@andwivalentine.comHome address and postcode (if different from above):Jln. Mawar No 5 Babadan Baru Sleman, 55283Home telephone number (if different from above):0274882819Home email address (if different from above):-

Section oneExecutive summary

1.1 Business summary:

Dompetsehat.com is a Personal Finance platform that could integrate various financial institution accounts in one convenient and simple place. Dompetsehat could give its users in due date reminder, automatic budgeting, protection through its early fraud detection and so on.

MARKET & OPPORTUNITY

Becoming an account aggregation pioneer in Indonesia means were setting a new standard an could aim to be market leader easily. There are 14.4 Bi credit card users in Indonesia. Numbers of Debit Card & CC are aroun 63.6 Bi in total. Postpaid users are 3.8 billionBUSINESS MODEL Business to Business ( B to B ) and Busines to Customer ( B to C ) platformMARKETING PLAN PRE-LAUNCH

Branding, Building trust & community

LAUNCH

In controversial way to get free publicity. AFTER-LAUNCH

Agressive PR tactics & SEOOPERATIONAL PLAN Pre-Alpha Development

Prototype development

Alpha Release

Market & System test

Beta Release

Market test in bigger exposure, continuing traction, database mining

1.2 Business aims:

VisionTo be number 1 Personal Finance Assistant in Indonesia

MissionTo educate affordable and simple financial planning knowledge for the entire Indonesian citizen

To be continously growing and developing, through innovative products, features and services, and to active and aggresively looking for a breakingthrough solution, to face the fast growing challenge of technology. 1.3 Financial summary:

Monetisation ( How to make money out of it )

a. Direct Impact

1. Dompetsehat for End UserDompetsehat will revolusionise how people manage their finance, utilisation of paycheck, budgeting, due dates, and even early fraud detection to prevent someone doing further damages with their money. People are now worry free, and could focus more on their jobs, vacation, and families.

2. Dompetsehat for Financial Planners

Dompetsehat will give financial planners a convenience access and helicopter view of their clients financial situation. Which will effective and efficiently reduces their operational and overhead cost, times and energy. Quicker response in giving strategic financial advice and recommendation. Dompetsehat will give 3 main benefit to financial planner :

Scale: Reduce or eliminate manual entry of client data and re-allocate time spent to client-facing activities

Reduce Risk: Mitigate human error associated with manual data collection and entry; provide a secure, consolidated client record

Deliver exceptional service: Make more effective recommendations based on a holistic view of client financial holdings

b. Indirect Impact

1. Dompetsehat for banking industries

Contrary with the potention controversial methods of account aggregation which Dompetsehat are using to collect users financial data ( banking will very much concern about security ), Dompetsehat actually helps to To encourage their customer utilising more of their online banking, mobile banking, autodebit, and any other electronic payment facilities which the bank provides. Because that way their finance will be recorded neatly. And that will effectively increase banks fee based income, efficiently reduce overhead cost for papers and tellers, product cross selling, and many other benefits.

2. Dompetsehat for Insurance Industry When Dompetsehat end user are actively doing financial activities in their Dompetsehat account, then Dompetsehat will have anonimous valuable information about their cashflow. Which is annual income and expenses. With that database, Dompetsehat could calculate each of their Human Life Value and could be used for the Insurance company, to provide sum assured, properly tailored to their clients need. Which means effectively targeting Insurance companies market.

3. Dompetsehat for Investment Manager and other Financial Institutions.

When users are started to make their investment plan, then the other financial institution can comes into play, giving tailor made product to what the potentional customer actually need. Dompetsehat user could then choose which offering is better and cheaper.

4. Dompetsehat for Research Institute, and Statistic Agencies.

User expenses statistic, geo-tagging and merchant information could also be used for Researcher in consumer behaviour. Consumers statistics could also be used for general marketing purposes.

5. Dompetsehat for Actuarial Purposes.

When Dompetsehat is gathering enough database about ages, work, real income, real expenses, etc. Then those database could be used for actuary to calculate proper insurance cost for the Insurance Company and the like. So there are two ways of Insurance company could benefit from this database.

6. Ecommerce and Epayment ServicesOther than online banking services, there are electronic payment underway in developments and being introduced to various retail services, such as Indomart Card, Alfamart Card, Carrefour Card, Transjakarta and many others. The existence of Dompetsehat to conveniently manage such budgets and expense will encourages its users to be more frequently using the electronic services. Which is a win win solution for both party.7. Other interested parties ( Advertising Agencies, Travel Agencies, Talkshows, etc. ).Dompetsehat could collaborate with other media such as travel agencies and the like, to give tips and trick of having how to do a frugal trips, Telecommunication and internet industries price war campaign, and the list goes on. Which relationship could be established in mutual basis, or pure business basis.

Elevator Pitch1.4 Your business name:

Dompet Sehat1.5 Strapline:

Control your money in every detail1.6 Elevator pitch:

Bahasa :

Dompetsehat adalah tools yang berawal dari permasalahan yang sebetulnya sangat simpel, yaitu melakukan pencatatan pemasukan dan pengeluaran dengan lebih mudah, simpel, dan tanpa harus meluangkan waktu setiap hari hanya untuk melakukan posting pengeluaran - pengeluaran yang membosankan. Dompetsehat memberi kemudahan dan benefit secara langsung terhadap dua belah pihak, dan secara tidak langsung terhadap beberapa belah pihak, yang akan saya jelaskan dalam beberapa poin poin berikut ini :

Secara Langsung

1.Dompetsehat Bagi End User2.Dompetsehat Bagi Perencana Keuangan Independen.Secara Tidak Langsung

1. Dompetsehat bagi industri Perbankan.2. Dompetsehat bagi industri Asuransi. 3. Bagi Manajer investasi dan institusi keuangan lainnya.4. Dompetsehat bagi lembaga riset, survey dan pusat statistik.5. Dompetsehat bagi aktuaria6. Pihak Pihak Lain yang berkepentingan ( biro periklanan, biro perjalanan, travel dll EnglishDompetsehat.com is a Personal Finance platform that could integrate various financial institution accounts in one convenient and simple place. Dompetsehat could give its users in due date reminder, automatic budgeting, protection through its early fraud detection and so on.

Dompetsehat user, is simply someone who signed and logged in into Dompetsehat, who wants a simple, convenient, and easy to use financial planning process. And Dompetsehat Partners are those who wants to use different sales and marketing approach with targeted market, which is a lot more efficient than using conventional process.

Who will be using the product / services, and why Direct Users1. Dompetsehat for End User

2. Dompetsehat for Financial Planners

. Indirect Users1. Dompetsehat for banking industries

2. Dompetsehat for Insurance Industry 3. Dompetsehat for Investment Manager and other Financial Institutions.4. Dompetsehat for Research Institute, and Statistic Agencies.5. Dompetsehat for Actuarial Purposes.6. Epayment Services7. Other interested parties ( Advertising Agencies, Travel Agencies, Talkshows, etc.

Section twoOwners background

2.1 Why do you want to run your own business?

Because can help a lot of people to manage their money2.2 Previous work experience:

2009-2010SCRIPTMEDIA WEB PROGRAMMER

Script Media provides business solutions, website, software and application development. This is my first experience in Web Programming, i learned so much from this company

2010-2011

BUGS TRAINING CENTER WEB DESIGNING & WEB PROGRAMMING TRAINER

Bugs Training Center is located in Yogyakarta with a mission to encourage the development of Information & Communication Technology. Established since May 2nd, 2001 and has issued certificates for 7969 students who have taken regular classes and private training for the general public as well as specific materials for universities, corporations and government agencies programs.

I meet a lot of new people who want to learn web programming and web designing in this place. it's very interesting experience.

2011-2012

COMPUTER NETWORK SYSTEM LABORATORY LECTURER

Sisjarkom Laboratory is one of the laboratories in Universitas Islam Indonesia Informatics Engineering. It provides material in networking stuff such as basic networking, network virtualization , linux networking, server Network, etc

2012- 2012

KREASI KODE WEB DESIGNER

Kreasi kode is a software developer in indonesia since 2010. Kreasi Kode has much experiences in developing system and website. Besides that, kreasi kode has experience with other products including portal and system.

2012-2014

JAVASIGN - OWNER

JavaSign is a small atelier for web startup, web design and web development, that is located in Yogyakarta, Indonesia. JavaSign Offers a wide range of online solutions for businesses and individuals, has great amount of experiences in dealing with different clients from local boutiques to international companies.2.3 Qualifications and education:

Education :2008-2012

UNIVERSITAS ISLAM INDONESIA INFORMATICS ENGINEERING

UII is the oldest private university in Indonesia, and one of the leading universities in Indonesia, I took Informatics Engineering field and got cumlaude predicate.Quatilification :

I have skill on manage company as project manager and have skill technical on software (website) development 80% frontend and 70% backend,2.4 Training:

Details of future training courses you want to complete:

2.5 Hobbies and interests:

Watching Movie, Adventure

Interest

New technology and startp2.7 Additional information:

Section three

Products and services

3.1 What are you going to sell?

FORMCHECKBOX a product

FORMCHECKBOX a service FORMCHECKBOX both

3.2 Describe the basic product/service you are going to sell:

Tools / Application Perosnal Finance ManagementWebsite Application & Mobile Application3.3 Describe the different types of product/service you are going to be selling:

Subcription, Advertisement, Partnership3.4 If you are not going to sell all your products/services at the start of your business, explain why not and when you will start selling them:

3.5 Additional information:

Section four

The market

4.1 Are your customers:

FORMCHECKBOX individuals

FORMCHECKBOX businesses

FORMCHECKBOX both4.2 Describe your typical customer:

1. Dompetsehat aims to acquire Indonesian citizen within age ranges from 23 40 years old. With minimum income of Rp 3.000.000 / month, or $ 300 / month. 2. Internet Users are as much as 60 Millions people, according to Markplus Insights and keep counting http://dailysocial.net/2011/10/28/survei-markplus-insight-pengguna-internet-di-indonesia-55-juta/

3. Indonesian mobile users are as much as 58 millions people ~ Marketeers Magz December 2012 issue

4. Most of Indonesian people are bargain hunter, whose looking for the best deals while making buying decision, market analysis ( Planned smart 56.4%, Impulsive smart 16.7%, Planned Simple 9.6%, Impulsive simple 17.3% ) ~ Marketeers Magz December 2012 issue, which means people are tends to budget their spendings, Dompetsehat could comes into play with this.5. According to http://www.bi.go.id/web/id/Statistik/Statistik+Sistem+Pembayaran/APMK/JmlAPMK.htm in 2012, numbers of circulated ATM and Debit Card in Indonesia are 63.6 millions and counting.

6. According to Indonesian Credit Card Association, there are 14.9 millions credit card circulated and counting .http://www.akki.or.id/index.php?option=com_content&view=article&id=59&Itemid=624.3 Where are your customers based?

Indonesia4.4 What prompts your customers to buy your product/service?

Manage Money easilyConnect to Bank Account4.5 What factors help your customers choose which business to buy from?

Can be access in everywhere (Mobile Application)

Web Based (Online)

Account Aggregations4.6 Have you sold products/services to customers already?

FORMCHECKBOX yes

FORMCHECKBOX no

If you answered yes, give details:

4.7 Have you got customers waiting to buy your product/service?

FORMCHECKBOX yes

FORMCHECKBOX no

If you answered yes, give details:

I got the customers from the waiting list form website and from the questionnaire4.8 Additional information:Section fiveMarket research

5.1 Key findings from desk research:

Attached5.2 Key findings from field research customer questionnaires:

Attached5.3 Key findings from field research test trading:

Attached5.4 Additional information:

Section sixMarketing strategy

What are you going to do? Why have you chosen this marketing method?How much will it cost?

1.Adoption ( User acquisition )

a. Engaging Content We actually need to dedicate significant resources to the blog, including a full time editorial staff and freelance contributors, and theyve got to be original and fun. We need to giveaway high quality content, info-graphics, video, tips & tricks and illustration.b. PartnersPartnering up and build agency channels with high quality independent financial planners as influencer in the fields. Dompetsehat already drafted its agency agreement with independent financial planner to acquire their mass.c. Aggressive PR TacticsGoogle ads, facebook ads, stickers, blog ads (free by giving them privileged app entrance), mutual sponsorships with other startups, basically when we hired a PR Agency, they will do all the work from content management, brochure, communication design, packaging, media research planning and buying, and also advertising. We just need to make sure the PR agency we hired, delivers high value towards the burn rate.d. Extensive SEO StrategyTracking all the cost / conversion to see which keywords, sites or methods delivers the most effective results. We need to make sure doing this all the time to keep the burn rate as low as possible.e. Content PartnershipContent partnership like what we have done previously with @ellenmay, @cerdaskeuangan and many other interested parties.f. Distribution DealsThrough the iphone app store, google play store and blackberry app world. We believe a well-designed icon, description and the user interface will trigger eyes and impulsive behavior instantly.g. Social MediaLast but not least, social media campaign which we keep currently running until recently.2. Addiction ( User and Customer Retention )

a. All in one financial information and hot dealsUsers will keep coming into Dompersehat because it provides them a very high quality blog content, info-graphics, best deals between the financial institution, and many other great and engaging content. Dompetsehat should be able to position its content to be trusted and reliable.b. Long Term Financial Planning FeaturesThe long term financial planning features are adopted just like the insurance company try to retain its users by locking up their investment period for at least 10 years. Dompetsehat long term financial planning features are:

1. Pension fund We have income and expense database, so we could forecast ones pension needs. Users will be feared on how much money they should save on retirement. They will be forced to invest and monitor their yield. It will forces them to keep using Dompetsehat.

2. Education fund We will give them hints on how much money they should have on education fund. This will fears early parents and forces them to start investing early on. Dompetsehat comes into play.

3. Emergency fund We have income and expense, we could calculate their minimum emergency fund, and even their best insurance coverage needs.

4. Other tailor made financial planning goals, which will be provided by our dedicated independent financial planner, or associates.

I think this is the best method1 Triliun

TOTAL COST1 Triliun

Section seven

Competitor analysis

7.1 Table of competitors

Name, location

and business size

Product/service

Price

Strengths

Weaknesses

Ngaturduit.comJakarta

Small BussinesProductFreeFocus on Investation ManagerJust personal finance not include account aggregations

7.2 SWOT analysis :Strengths

1. We have a team with CFP certificants in the board member, and supports from the CFP communities.2. By becoming pioneers in the market of account aggregation, Dompetsehat will become market leader in the field. 3. Easily Tracks and auto categorise, and logs financial data from multiple sites.4. We have future upcoming features that we will pursue to be patented, including the voice over transaction.5. We have strong dedicated team, that is committed to this project, even without paycheck for the next couple of years.

Weaknesses

6. Account aggregation is something completely new in Indonesia, which forces us to educate our market first to be familiar with it, and its not an easy task. 7. No basecamp / proper gathering place / or office to operate and work together, each team is working from their own home using cloud service, which is found to be ineffective for quick and agile coordination.8. Account aggregation is an expensive service, which makes our burn rate / overhead cost really high.

Opportunities

9. Financial planning is warmly discussed in Indonesia10. Global economic issues and soaring inflation which request proper and a good financial plan 11. No automatic financial planning tools available in the market. 12. Supported with public figure who have thousands of communities and experts in the field. 13. Foxconn is building 2 factory base in Indonesia, which will increase numbers of smartphone and tablets due to its cheap price14. Indonesian & japanese have agreed to build NFC infrastructure to provide cashless transaction in the next couple of years15. Google is rumoured to build NFC infrastructure in Indonesia too because of the cheap labour price

Threats

16. financial planning apps, but not yet having account aggregation. Is having approximately 10.000 users online. 17. If the OFX Protocol development is lagged behind, we will be forced to use 3rd party middleware, Yodlee, which have a really high initial and operational cost. 18. Controversy in legal issues with account aggregation. 19. Credit Card is not yet connected using online banking, or theres no online connection to access credit card information yet20. E-money and credit card is not widely preferrable and used by indonesian citizen because they got traumatised and frightened of using.

7.3 Unique Selling Point (USP):Unique Selling Point (USP)

We have featured account aggregation

Section eight

Operations and logistics

8.1 Production:

Software Pre-Alpha Development I & II ( 1 May 1 August 2014 )

Objectives :

Corporate Blogging

Content & Social Media marketing

Building Trust & Community

Branding Database Design Basic Function of Dompetsehat Data Aggregation for financial institutions Unit Testing for minor & major bugs. Prototype completed

Alpha Release ( 1 August 2013 1 May 2014 )Objectives : Setting up Terms & Privacy Policy ( done )

Whitebox, Blackbox & Graybox Testing

Harvesting feedback ( Important ) Customer Support ( fail, insufficient fund )

Hiring more and more human resources ( failed, insufficient fund )

Outsourcing PR for agressive campaign ( failed, insufficient fund )Pre Beta preparation and Beta development ( May 2014 December 2014 )Objectives : Settling up contracts & agreements with financial planners and financial institution (in progress)

Setting up Customer Relationship Manager

Reviewing Terms & Privacy Policy. Acquire 100.000 user in 6 months. Harvesting Feedback.

Settling up new offices and building for servers.

Get ready to scale

Beta Release ( December 2015 )

Obectives : Harvesting Feedback

Continue traction

Reach up to 1 Million users in 1 year.8.2 Delivery to customers:

Alpha Release ( 1 August 2013 1 May 2014)Pre Beta preparation and Beta development ( May 2014 December 2014 )Beta Release ( December 2015 )8.3 Payment methods and terms:

1) Payment Gateaway and PPOBDompetsehat would also open account for payment gateaway and PPOB in order to ease our users who already get familiar with this services.2) Direct TransferDirect transfer are still commonly used by Indonesian citizen because it is plain simple. Though its not quite efficient for rapid mass payment system, dompetsehat would still use it for users ease of access.3) Cash in handIt probably the most ineffective and inefficient way of payment, but for those who a close enough to Dompetsehats office will have access to this methods.4) VoucherDompetsehat could also issue voucher in exchange of cash payment, then there will be unique code to be inserted in dompetsehat account number5) Credit CardDompetsehat could also be paid using credit card, via in app purchase using appstore or google play.6) Autodebit authorization and Credit CardAutodebit on debit and credit card should also available for ease of use8.4 Suppliers:

Name and location of supplier

Items required

and prices

Payment arrangements

Reasons for choosing supplier

8.5 Premises:

8.6 Equipment

If being bought

Item required

Already owned?

New or second hand?

Purchased from

Price

8.7 Transport:

8.8 Legal requirements:

8.9 Insurance requirements:

8.10 Management and staff:

1. Management and Executive1) CEOCEO in early stages company will do almost all the work, but we do believe a successful company should pay their CEO as minimum as possible, however, we cannot neglect the fact that CEO needs to eat too in order to work properly, so we assume $ 250 - $ 300 / month salary sounds reasonable.2) CTOIn order to make our CTO not working for another startup, we should make sure we could fulfill his daily needs, $ 250 - $ 300 / month salary also sounds reasonable.2. Engineering & analyst1) Product Developer & Business development Engineer

We need at least 2 programmers for product development, one is to develop and maintain all main features of Dompetsehat, and one for business development programmer. Business development programmer is responsible to maintain system reliability, payment system, comission system, advisor consultation module, financial planner module, etc. Budget salary for each programmers are $ 500 - $ 800 per month.2) Account Aggregator

Account aggregation admin and programmers are responsible for the reliability of account aggregation system. Although we will outsourced it to the 3rd party, its still crucial to have one dedicated team to play catch up since the bank might show some defences, 1 would be enough at $ 250 - $ 300 per month

3) System and Network Analyst

System and network analyst are responsible to design the efficientcy and effectiveness of our system. He is also the designer of the entire infrastructure, 1 personnel and we will budget $ 500 - $ 800 per month

4) Security and white knight hackers

Security and white knight hackers are responsible to secure and prevent any security breach. Take down malicious and phising attempts, and also attacking our own system to search any loopholes in the system. Budget at $ 500 - $ 800 depends on the skills, and occasionally hires freelance hackers.

5) UX and UI Designer

Responsible to the right side of the brain of the application and all promotion and branding materials. One person at $ 250 - $ 300 per month

3. Finance & Accounting1) Finance

Finance staff currently not really necessary as the CEO will be the CFO as well.

2) Accounting Staff

Accounting is budgeted at $ 150 - $ 200 per month4. Legal & Compliance

Legal staff is responsible in employment agreement, contracts, MoU, patents, trademarks , business legal verification, and all legal staffs. Budgeted at $ 250 - $ 300 per month.5. Sales, Business Development & Marketing Communication

1) Business Developments

Securing partnership with prospective partners, financial planner relation officer, and do business generalist jobs.

2) Sales

Responsible in acquiring user base in offline battleground, securing workshops events, presentation, seminars, coldcalling, canvassing, and many other sales techniques. sales are budgeted at $ 80 per month, plus incentives.

3) Marketing

Responsible to outline PR and marketing strategy,

6. Customer Service Dept. & Support1) Social Media Manager

Managing all online campaign of Dompetsehat, budget at $75 / month

2) Customer and Technical SupportInvoicing, account verification, new customer acquisition, user subscription, everything related to customer relation. $125 / month

7. Financial Planner1) In House Financial PlannerWe need a QWP credentials financial planner, to ensure the continuity of advice and financial recommendations, in case the agency system fails. $ 1.000 / month, with targets like sales person.2) Agency Financial PlannerAgency financial planner are comission based income, they will recieve 25% comission in the first 2 years, and 3% respectively until year 5.8. Security

Security Personnel to secure dompetsehat office, and servers. 2 personnel pershift, and 2 shift per day. @ $175 / month

8.11 Additional information:

Section nine

Costs and pricing strategy

Product/service name

ANumber of units in calculation

BProduct/service components

Components cost

CTotal product/service cost

DCost per unit

EPrice per unit

FProfit margin ()

GProfit margin (%)

HMark up (%)

Product Pricing Strategy1) Fee Based Income ( B to B model )Dompetsehat aims to be 50% - 80% cheaper than the conventional user acquisition cost. Supposedly, if a bank needs Rp 200.000 ( $20 ) to acquire new customer, Dompetsehat will charge only Rp 100.000 Rp 160.000 ( $10 - $16 ) per successful recommendation. This recommendation applies only to specific products that is already passed through our minimum product standard.2) Service Based Income ( B to C model )Currently this is the realistic short term solution. We will split Dompetsehat users into different kinds of catecory.

Free User, they will freely uses our services, but their database and statistic will subject to fee based income, targeted advertising, their account aggregation ability will be limited and they will not have any access to financial planning consultation by independent financial planners. Personal Assitance feature, users will be able to have several account aggregation ability ( previously limited to one per asset class ), and it is to be priced at Rp 14.900 Rp 19.900 per month ($1.5 - $2) Experts Assistance, users will have the ability to recieve experts assistance or tips and tricks in the field of finance, but those experts are not having license to practice financial planning recommendation. Those tips and tricks was previously limited to their own communities, and now opened to our users. Users will be charged for Rp 19.900 Rp 24.900 per month ( $2 - $2.5 ) Financial Planner Assistance, users will have access to be reviewed by junior associate financial planners once every month or every 3 months which suits the best. Those who had QWP ( Qualified Wealth Planner ) credentials could sign up to be our agent. Users will be charged for Rp 39.900 Rp 49.900 , ( $4 - $5 ). Premium plus Services, are for those who wants extra privileges in financial planning services. This is for the high net worth clients who wants special attention. Premium plus services will be serviced by the CFP ( Certified Financial Planner ) or qualified credentials, and users will have access at any time of the year. Users will be charged for Rp 499.800 699.800 ( $50 - $70 ) per month. 3) Targeted Advertisement ( B to B model )We will offer targeted ads for advertisers who wanted to give certain discount on certain excessive spendings. For example, a certain user spends excessively on groceries, then some supermarket or minimarket could promote to give some discount offering to the user. Targeted advertising mechanism is not based on what time user is looking or signing in, but it will shows up when theres excessive spending occured. We will charges approximately Rp 2.000.000 Rp 10.000.000 per advertisers ( $200 $1,000), this pricing needs further research. 4) Statistical Data Provider ( B to B model )Statistical database is a valuable information for insurance industry and actuarial purposes, and also research institute and marketing firms. Statistical database ( anonymous of course ) could be sold from Rp 10.000.000 Rp 3 Milyar ( $1,000 - $300.000 ). This pricing also needs further research.5) PPOB and Payment Gateaway ( B to C model )This is also a good way to make money though we need to be really careful as the security will scale dramatically. For security purposes, i suggest we cooperate with the existing company and we are just a reseller of their services, so that users will only be obligated to the 3rd party company. Dompetsehat could profit from Rp 100 Rp 1.500 per transaction ( 0.01 cent 0.15 cent ).

Section elevenBack-up Plan11.1 Short-term plan:

11.2 Long-term plan:

11.3 Plan B:

Whitelabel with Bank Institution11.4 Plan B continued...:

FINANCIAL PLANNING

Investment in 3 years ( in millions ):

InvestmentYear 1Year 2Year 3Self$ 1500--Outside$ 3000$ 800.000Total$ 4500$ 800.000

Investment to Expenses:

ExpensesYear 1Year 2Year 3Legals$ 70--Prototype$ 2500--Salary$ 170$ 20.000-Marketing$ 500$ 50.000-Operational$ $ 225.000-Total$ 3.240$ 295.000-

Income Projection in 3 years

IncomeYear 1Year 2Year 3Referrals---Advertisement---Total00-

*Please have a look at the excel attachment for detailed financial projection