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Showing posts from November 1, 2015

CMA data analysis and Productivity Improvement

Improving Performance of SME UnitSummary: For any small manufacturing unit, the following are required to be done on regular basis to keep the momentum year on year basis. When you apply for bank loan, bank ask certain data which is known as CMA data analysis. We insist that this data must be prepared by entrepreneur him self and to put the same in the language which bank understand can be done by chartered accountant/external consultant. 

Why this to be done by entrepreneur: as entrepreneur after lot gut feeling and passion, has narrowed down on particular product for his enterprise so he knows all difficulty about the project which he can put to understand in financial figure weather this project will be generating enough profit year after year till he repays his term loan. Weather financial ratios like EBIDA is good and he is able to service his debt and shall generate to support additional working capital for next five to seven years. Once he does this himself, he can fine-tune …