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Indicative List of Businesses for Kamyab Jawan Youth Entrepreneurship
Scheme
Agriculture and Fruit Processing Minerals

Cut Flower Farm Marble Mosaic Manufacturing Facility

Grapes Farm Marble Tiles Manufacturing Unit
Off Season Vegetable Farming - High tunnel
Off Season Vegetable Farming - Low tunnel Food & Beverages
Rose Water Extraction Unit Bakery & Confectionery
Strawberry Cultivation Ice Cream & Juice Parlor

Dairy & Livestock Services

Calf Fattening Farm Auto Repair & Service Workshop

Dairy Farm - 15 Cows Beauty Salon
Goat Fattening Farm Boutique - Women Designer Wear
Inland Fish Farming Car Wash Service Station
Meat Shop - Mutton and Beef Day Care Center
Tilapia Aquaculture Distribution Agency
Sheep Fattening Farm Driving School
Veterinary Clinic Florist Shop
Footwear Retail Outlet
Engineering and Manufacturing Genset Repairing Workshop
Interior Designing and Landscaping
CAD for Furniture Design Laundry & Dry Cleaning
Furniture Manufacturing Unit - Wooden Medical Store
Roof Tiles Manufacturing Unit - Light Weight Montessori School
UPS and Stabilizer Assembling Unit Packing and Moving Service
Pick and Drop Service
Information Technology Sub-contract Workshop

Animation Production Facility

Gaming Zone
 Annexure – 2

Kamyab Jawan Progamme

Youth Entrepreneurship Scheme

Criteria & Eligibility

A. Loans provided through the Program are segregated in two tiers:
Tier 1 loans fall in the range of Rs. 100,000 to Rs. 500,000

Tier 2 loans fall in the range of Rs. 500,000 to Rs. 5,000,000.

B. Mark up for Working Capital & Term Loans:

Tier 1 loans: 6% per annum fixed for borrower.

Tier 2 loans: 8% per annum fixed for borrower.

C. Tenure of loans
Upto 8 years, with maximum a grace period of upto one year.

D. Security Requirements will be as follows:

For Tier 1 loans only personal guarantee of the borrower is required

Security requirements for Tier 2 loans will be as per bank’s own credit policy

E. Applicants contribution
For Tier 1 loans applicant will contribute 10% equity with 90% financing through bank loan.

For Tier 2 loans applicant will contribute 20% equity and 80% financing through bank loan.
F. Eligible sectors
All sectors are eligible

G. Age Limit
For Tier 1 and Tier 2 Loans, Age Limit is 21-45 years at the time of form submission. In case of IT or
Computer related businesses, minimum age limit is reduced to 18 years.

H. Application form
Loan applications can only be made through Kamyab Jawan Portal on the following address:
www.kamyabjawan.gov.pk.
Annexure – 3

Guidelines on Developing an Effective Business Plan

1. What is a business plan and how it helps?

a. It is the face of your business; It helps to attract clients, investors and strategic
partners
b. It is a living document; You should review it after any change in external or internal
factors
c. First step for fine tuning your ideas for practical implementation into a functioning business
d. Acts as a ‘How to’ guide for running your business
e. Helps you map options for best and worst case scenarios
2. How to develop a business plan?
a. Know your business: Research your market, product / service, target customer
b. Create your identity: Company/ Business mission, vision
c. Structure your thoughts: Write your business plan
3. Key features of a good business plan
Think about the following before and after you’ve written every section:
a. Description of your project and product
b. Marketing Plan: Product, customer profile, distribution channel and proposed
location, pricing, promotion and advertising.
c. Operational Plan: Production, location, Inventory, Credit, Payables
d. Management and Organization: Competitive strengths, Legal form and structure
e. Startup Expenses an Capitalization: Estimating Pre Ops, Contingencies and unforeseen
f. Financial Plan: Recommend using professional help for Income Statement, Balance
Sheet and Cash flow
g. Appendices; Advice on appending useful written materials to Business Plan
h. Refining the Plan; Advice on how to create a plan specifically suited to the applicant’s
business
Note: Business plan Guide is attached for your guidance and assistance

4. Who will develop a business plan?

a. The entrepreneur may use professional help however we strongly advise the
entrepreneurs to do it themselves
b. Technical advice from private sector experts / Govt. institutions, listed on SMEDA’s
website.
5. How SMEDA can help
a. Provide guidelines and explain how to develop a business plan. Refer to a related pre-
feasibility
b. Refer to government institutions, private sector experts / institutions, secondary resource
materials, SMEDA website www.smeda.org
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