Cash Flow Analysis

Semi- MONTHLY
SALVE LORICA Daily Weekly Monthly
Monthly TOTALS
GROSS Income from Business
Business 1:MARITATAS 5,365.00 150,220.00
Business 2: -
Business 3: -
Total Business Income 5,365.00 - - - 150,220.00
Business Expenses
Raw Materials/Purchase
Business 1: 3,700.00 103,600.00
Business 2: -
Business 3: -
Salaries and Wages -
Rent-ticket stall- 10.00 280.00
Utilities - -
Transportation Expenses 220.00 6,160.00
Fuel -
Business Taxes & Licenses -
Other Business Expenses - -
Total Business Expenses 3,930.00 - - - 110,040.00
NET BUSINESS INCOME 1,435.00 - - - 40,180.00
Other Household Income
Salaries & Wages -
Pension -
Remittances - -
Other Income- -
Total, Other Household Income - - - - -
TOTAL BUSINESS & HH INCOME 1,435.00 - - 40,180.00
HOUSEHOLD EXPENSES
Food 200.00 5,600.00
House Rent -
Education and School Allowance 30.00 840.00
Salaries & Wages -
Utilities -Elerctric/water/cable 1,200.00 1,200.00
Transportation- -
Medical Expenses 300.00 300.00
Insurance premium sss -
Other Loan Payments - ASA -
Other Expenses - /Charcoal,load 10.00 180.00 750.00 1,750.00
Sub-Total 240.00 180.00 - 2,250.00 9,690.00
Add: Miscellaneous Expenses ( 10 %) 24.00 18.00 - 225.00 969.00
Total Household Expenses 264.00 198.00 - 2,475.00 10,659.00
NET BUSINESS & HH INCOME 1,171.00 (198.00) - (2,475.00) 29,521.00
Debt Capacity Analysis
Equivalent of DAILY Net Income 1,171.00 8,197.00 32,788.00
Equivalent of WEEKLY Net Income (28.29) (198.00) (792.00)
Equivalent of SEMI-MONTHLY Net Income -
Equivalent of MONTHLY Net Income (88.39) (618.75) (2,475.00)
Amount available for debt service 1,054.32 7,380.25 29,521.00
Adjusted Debt Capacity @ 25% 263.58 1,845.06 - 7,380.25
Max. Loan Amount for 4 months 18,364.21 21,172.85 24,197.54

Prepared By: Noted By:

M. ESCOBAL G.VALERIANO
Account Officer FMCM/Branch Manager
 Cash Flow Analysis
MONTHLY
Daily Weekly Monthly
TOTALS
GROSS Income from Business
Business 1: -
Business 2: -
Business 3: -
Total Business Income - - - -
Business Expenses
Raw Materials/Purchase
Business 1: -
Business 2: -
Business 3: -
Salaries and Wages -
Rent-ticket stall- TICKET -
Utilities - -
Transportation Expenses -
Fuel -
Business Taxes & Licenses -
Other Business Expenses - -
Total Business Expenses - - - -
NET BUSINESS INCOME - - - -
Other Household Income
Salaries & Wages - -
Pension -
Remittances - -
Other Income -
Total, Other Household Income - - - -
TOTAL BUSINESS & HH INCOME - - - -
HOUSEHOLD EXPENSES
Food -
House Rent -
Education and School Allowance -
Salaries & Wages -
Utilities -Elerctric/Water/Cable -
Transportation- -
Medical Expenses -
Insurance premium /SAVINGS -
Other Loan Payments - -
Other Expenses - LPG/Charcoal -
Sub-Total - - - -
Add: Miscellaneous Expenses ( 10 %) - - - -
Total Household Expenses - - - -
NET BUSINESS & HH INCOME - - - 10,521.80
Debt Capacity Analysis
Equivalent of DAILY Net Income - - -
Equivalent of WEEKLY Net Income - - -
Equivalent of SEMI-MONTHLY Net Income - - -
Equivalent of MONTHLY Net Income - - -
Amount available for debt service - - -
Adjusted Debt Capacity @ 25% - - -
Max. Loan Amount for 1 month - - -

Prepared By: Checked By:

G. VALERIANO
Account Officer Branch Accountant
 Cash Flow Analysis
MONTHLY
Daily Weekly Monthly
TOTALS
GROSS Income from Business
Business 1: -
Business 2: -
Business 3: -
Total Business Income - - - -
Business Expenses
Raw Materials/Purchase
Business 1: -
Business 2: -
Business 3: -
Salaries and Wages -
Rent-ticket stall- TICKET -
Utilities - -
Transportation Expenses -
Fuel -
Business Taxes & Licenses -
Other Business Expenses - -
Total Business Expenses - - - -
NET BUSINESS INCOME - - - -
Other Household Income
Salaries & Wages - -
Pension -
Remittances - -
Other Income -
Total, Other Household Income - - - -
TOTAL BUSINESS & HH INCOME - - - -
HOUSEHOLD EXPENSES
Food -
House Rent -
Education and School Allowance -
Salaries & Wages -
Utilities -Elerctric/Water/Cable -
Transportation- -
Medical Expenses -
Insurance premium /SAVINGS -
Other Loan Payments - -
Other Expenses - LPG/Charcoal -
Sub-Total - - - -
Add: Miscellaneous Expenses ( 10 %) - - - -
Total Household Expenses - - - -
NET BUSINESS & HH INCOME - - - 10,521.80
Debt Capacity Analysis
Equivalent of DAILY Net Income - - -
Equivalent of WEEKLY Net Income - - -
Equivalent of SEMI-MONTHLY Net Income - - -
Equivalent of MONTHLY Net Income - - -
Amount available for debt service - - -
Adjusted Debt Capacity @ 25% - - -
Max. Loan Amount for 2 months - - -

Prepared By: Checked By:

G. VALERIANO
Account Officer Branch Accountant
 Cash Flow Analysis
MONTHLY
MARVIN FULIO Daily Weekly Monthly
TOTALS
GROSS Income from Business
Business 1: FISH VENDING -
Business 2: -
Business 3: -
Total Business Income - - - -
Business Expenses
Raw Materials/Purchase
Business 1: -
Business 2: -
Business 3: -
Salaries and Wages -
Rent-ticket stall- TICKET -
Utilities - -
Transportation Expenses -
Fuel -
Business Taxes & Licenses -
Other Business Expenses - -
Total Business Expenses - - - -
NET BUSINESS INCOME - - - -
Other Household Income
Salaries & Wages - -
Pension -
Remittances - -
Other Income -
Total, Other Household Income - - - -
TOTAL BUSINESS & HH INCOME - - - -
HOUSEHOLD EXPENSES
Food -
House Rent -
Education and School Allowance -
Salaries & Wages -
Utilities -Elerctric -
Transportation- -
Medical Expenses -
Insurance premium -
Other Loan Payments -Fundline, innertrade -
Other Expenses - charcoal/Groceries -
Sub-Total - - - -
Add: Miscellaneous Expenses ( 10 %) - - - -
Total Household Expenses - - - -
NET BUSINESS & HH INCOME - - - -
Debt Capacity Analysis
Equivalent of DAILY Net Income - - -
Equivalent of WEEKLY Net Income - - -
Equivalent of SEMI-MONTHLY Net Income -
Equivalent of MONTHLY Net Income - - -
Amount available for debt service - - -
Adjusted Debt Capacity @ 25% - - -
Max. Loan Amount for 6 months - - -

Prepared By: Checked By: Noted By:

MIKKO ENANO CHRISTIAN M. TEJAREZ CECILIA C. ATANACIO
Account Officer Branch Accountant FMCM
 Cash Flow Analysis
Daily Weekly Monthly
GROSS Income from Business
Business 1: 6,250.00 -
Business 2: 1,928.00 -
Business 3: - -
Total Business Income 8,178.00 - -
Business Expenses
Raw Materials/Purchase -
Business 1: 5,000.00 - -
Business 2: - 10,800.00 -
Business 3: - - -

NET BUSINESS & HH INCOME - - -

MONTHLY PERCENTAGE You must know mark up per business
TOTALS ANALYSIS Sari-sari store- 25%
175,000.00 25% Perishable goods- 45% to 50%
53,984.00 25%
Services (barber shop/welding shop etc.)- 30% to 100% include payment of labo
- #DIV/0!
228,984.00 Buy and sell – 50% to 60%
Hardware and plastic ware – 45% to 50%
140,000.00
Dry goods- 40%
43,200.00
- Ukay-ukay – 70%
Karendiria/eatery- 50%
Networking- 25% to 30%
s

0% include payment of labor

 Cash Flow Analysis
MONTHLY
VIVIAN JOGNO Daily Weekly Monthly
TOTALS
GROSS Income from Business
Business 1:Sari sari store 18,125.00 72,500.00
Business 2: 3,335.00 93,380.00
Business 3: -
Total Business Income 3,335.00 18,125.00 - 165,880.00
Business Expenses
Raw Materials/Purchase
Business 1: 14,500.00 58,000.00
Business 2: 2,300.00 64,400.00
Business 3: -
Salaries and Wages -
Rent-ticket stall- TICKET 2,000.00 2,000.00
Utilities - 200.00 200.00
Transportation Expenses -
Fuel 200.00 800.00
Business Taxes & Licenses -
Other Business Expenses - -
Total Business Expenses 2,300.00 14,700.00 2,200.00 125,400.00
NET BUSINESS INCOME 1,035.00 3,425.00 (2,200.00) 40,480.00
Other Household Income
Salaries & Wages - Fish vendor/bhw -
Pension -
Remittances - -
Other Income -
Total, Other Household Income - - - -
TOTAL BUSINESS & HH INCOME 1,035.00 3,425.00 (2,200.00) 40,480.00
HOUSEHOLD EXPENSES
Food 120.00 3,360.00
House Rent -
Education and School Allowance -
Salaries & Wages -
Utilities -Elerctric/WATER 460.23 460.23
Transportation- -
Medical Expenses 300.00 300.00
Insurance premium /SAVINGS -
Other Loan Payments -palfsi 2,020.00 8,080.00
Other Expenses - Charcoal/groceries 1,000.00 1,000.00
Sub-Total 120.00 2,020.00 1,760.23 13,200.23
Add: Miscellaneous Expenses ( 10 %) 12.00 202.00 176.02 1,320.02
Total Household Expenses 132.00 2,222.00 1,936.25 14,520.25
NET BUSINESS & HH INCOME 903.00 1,203.00 (4,136.25) 25,959.75
Debt Capacity Analysis
Equivalent of DAILY Net Income 903.00 6,321.00 25,284.00
Equivalent of WEEKLY Net Income 171.86 1,203.00 4,812.00
Equivalent of SEMI-MONTHLY Net Income - - -
Equivalent of MONTHLY Net Income (147.72) (1,034.06) (4,136.25)
Amount available for debt service 927.13 6,489.94 25,959.75
Adjusted Debt Capacity @ 25% 231.78 1,622.48 6,489.94
Max. Loan Amount for 3 months 12,660.44 17,724.62 16,361.19

Prepared By: Checked By:

JB REGINO NOEL GLIBAN
FTV FMCM
 Cash Flow Analysis
MONTHLY
Daily Weekly Monthly
TOTALS
GROSS Income from Business
Business 1: -
Business 2: -
Business 3: -
Total Business Income - - - -
Business Expenses
Raw Materials/Purchase
Business 1: -
Business 2: -
Business 3: -
Salaries and Wages -
Rent-ticket stall- TICKET -
Utilities - -
Transportation Expenses -
Fuel -
Business Taxes & Licenses -
Other Business Expenses - -
Total Business Expenses - - - -
NET BUSINESS INCOME - - - -
Other Household Income
Salaries & Wages - -
Pension -
Remittances - -
Other Income -
Total, Other Household Income - - - -
TOTAL BUSINESS & HH INCOME - - - -
HOUSEHOLD EXPENSES
Food -
House Rent -
Education and School Allowance -
Salaries & Wages -
Utilities -Elerctric/Water/Cable -
Transportation- -
Medical Expenses -
Insurance premium /SAVINGS -
Other Loan Payments - -
Other Expenses - LPG/Charcoal -
Sub-Total - - - -
Add: Miscellaneous Expenses ( 10 %) - - - -
Total Household Expenses - - - -
NET BUSINESS & HH INCOME - - - -
Debt Capacity Analysis
Equivalent of DAILY Net Income - - -
Equivalent of WEEKLY Net Income - - -
Equivalent of SEMI-MONTHLY Net Income - - -
Equivalent of MONTHLY Net Income - - -
Amount available for debt service - - -
Adjusted Debt Capacity @ 25% - - -
Max. Loan Amount for 4 months - - -

Prepared By: Checked By:

G. VALERIANO
Account Officer Branch Accountant
 Cash Flow Analysis
MONTHLY
Daily Weekly Monthly
TOTALS
GROSS Income from Business
Business 1: -
Business 2: -
Business 3: -
Total Business Income - - - -
Business Expenses
Raw Materials/Purchase
Business 1: -
Business 2: -
Business 3: -
Salaries and Wages -
Rent-ticket stall- TICKET -
Utilities - -
Transportation Expenses -
Fuel -
Business Taxes & Licenses -
Other Business Expenses - -
Total Business Expenses - - - -
NET BUSINESS INCOME - - - -
Other Household Income
Salaries & Wages - -
Pension -
Remittances - -
Other Income -
Total, Other Household Income - - - -
TOTAL BUSINESS & HH INCOME - - - -
HOUSEHOLD EXPENSES
Food -
House Rent -
Education and School Allowance -
Salaries & Wages -
Utilities -Elerctric/Water/Cable -
Transportation- -
Medical Expenses -
Insurance premium /SAVINGS -
Other Loan Payments - -
Other Expenses - LPG/Charcoal -
Sub-Total - - - -
Add: Miscellaneous Expenses ( 10 %) - - - -
Total Household Expenses - - - -
NET BUSINESS & HH INCOME - - - -
Debt Capacity Analysis
Equivalent of DAILY Net Income - - -
Equivalent of WEEKLY Net Income - - -
Equivalent of SEMI-MONTHLY Net Income - - -
Equivalent of MONTHLY Net Income - - -
Amount available for debt service - - -
Adjusted Debt Capacity @ 25% - - -
Max. Loan Amount for 4 months - - -

Prepared By: Checked By:

G. VALERIANO
Account Officer Branch Accountant
 Cash Flow Analysis
MONTHLY
MINDA LUZ RICO Daily Weekly Monthly
TOTALS
GROSS Income from Business
Business 1:CANTEEN -
Business 2: -
Business 3: -
Total Business Income - - - -
Business Expenses
Raw Materials/Purchase
Business 1: CANTEEN -
Business 2: -
Business 3: -
Salaries and Wages -
Rent-ticket stall- TICKET -
Utilities - -
Transportation Expenses -
Fuel -
Business Taxes & Licenses -
Other Business Expenses - GASUL -
Total Business Expenses - - - -
NET BUSINESS INCOME - - - -
Other Household Income
Salaries & Wages - TEACHER II -
Pension -
Remittances - -
Other Income -
Total, Other Household Income - - - -
TOTAL BUSINESS & HH INCOME - - - -
HOUSEHOLD EXPENSES
Food -
House Rent -
Education and School Allowance -
Salaries & Wages -
Utilities -Elerctric/Water/Cable -
Transportation- -
Medical Expenses -
Insurance premium -
Other Loan Payments -
Other Expenses - charcoal/Groceries -
Sub-Total - - - -
Add: Miscellaneous Expenses ( 10 %) - - - -
Total Household Expenses - - - -
NET BUSINESS & HH INCOME - - - -
Debt Capacity Analysis
Equivalent of DAILY Net Income - - -
Equivalent of WEEKLY Net Income - - -
Equivalent of SEMI-MONTHLY Net Income -
Equivalent of MONTHLY Net Income - - -
Amount available for debt service - - -
Adjusted Debt Capacity @ 25% - - -
Max. Loan Amount for 6 months - - -

Prepared By: Checked By: Noted By:

MIKKO ENANO CHRISTIAN M. TEJAREZ CECILIA ATANACIO
Account Officer Branch Accountant Service Supervisor
 Cash Flow Analysis
MONTHLY
Daily Weekly Monthly
TOTALS
GROSS Income from Business
Business 1: 5,600.00 22,400.00
Business 2: 2,025.00 8,100.00
Business 3: 1,500.00 42,000.00
Total Business Income 1,500.00 7,625.00 - 72,500.00
Business Expenses
Raw Materials/Purchase
Business 1: 4,000.00 16,000.00
Business 2: 1,500.00 6,000.00
Business 3: 1,350.00 37,800.00
Salaries and Wages -
Rent-ticket stall- TICKET -
Utilities - -
Transportation Expenses -
Fuel 50.00 200.00
Business Taxes & Licenses -
Other Business Expenses - -
Total Business Expenses 1,350.00 5,550.00 - 60,000.00
NET BUSINESS INCOME 150.00 2,075.00 - 12,500.00
Other Household Income
Salaries & Wages - -
Pension -
Remittances - -
Other Income 80.00 2,240.00
Total, Other Household Income 80.00 - - 2,240.00
TOTAL BUSINESS & HH INCOME 230.00 2,075.00 - 14,740.00
HOUSEHOLD EXPENSES
Food 150.00 4,200.00
House Rent - -
Education and School Allowance 50.00 1,400.00
Salaries & Wages -
Utilities -Elerctric/Water/Cable 450.00 450.00
Transportation- -
Medical Expenses -
Insurance premium /SAVINGS -
Other Loan Payments - -
Other Expenses - LPG/Charcoal 720.00 720.00
Sub-Total 220.00 - 1,240.00 7,400.00
Add: Miscellaneous Expenses ( 10 %) 22.00 - 124.00 740.00
Total Household Expenses 242.00 - 1,364.00 8,140.00
NET BUSINESS & HH INCOME (20.00) - 10,152.00 7,280.00
Debt Capacity Analysis
Equivalent of DAILY Net Income (20.00) (140.00) (560.00)
Equivalent of WEEKLY Net Income - - -
Equivalent of SEMI-MONTHLY Net Income -
Equivalent of MONTHLY Net Income 362.57 2,538.00 10,152.00
Amount available for debt service 342.57 2,398.00 9,592.00
Adjusted Debt Capacity @ 40% 137.03 959.20 3,836.80
Max. Loan Amount for 5years E5PAD 57,783.13
Max. Loan Amount for 1year E5PAD 28,783.20
Max. Loan Amount for 1year PADReg 26,171.90
Prepared By: Checked By:
G. VALERIANO
Account Officer Branch Accountant
 Cash Flow Analysis
MONTHLY
Daily Weekly Monthly
TOTALS
GROSS Income from Business
Business 1: - -
Business 2: - -
Business 3: -
Total Business Income - - - -
Business Expenses
Raw Materials/Purchase
Business 1: - -
Business 2: - -
Business 3: -
Salaries and Wages -
Rent-ticket stall- TICKET -
Utilities - -
Transportation Expenses - -
Fuel -
Business Taxes & Licenses -
Other Business Expenses - -
Total Business Expenses - - - -
NET BUSINESS INCOME - - - -
Other Household Income
Salaries & Wages - Husband ARMY 10,000.00 10,000.00
Pension -
Remittances - -
Other Income - Smart Padala 400.00 11,200.00
Total, Other Household Income 400.00 - 10,000.00 21,200.00
TOTAL BUSINESS & HH INCOME 400.00 - 10,000.00 21,200.00
HOUSEHOLD EXPENSES
Food 150.00 4,200.00
House Rent -
Education and School Allowance -
Salaries & Wages -
Utilities -Elerctric/Water/Cable 945.00 945.00
Transportation- -
Medical Expenses 500.00 500.00
Insurance premium /SAVINGS -
Other Loan Payments - -
Other Expenses - LPG/Charcoal 730.00 730.00
Sub-Total 150.00 - 2,175.00 6,375.00
Add: Miscellaneous Expenses ( 10 %) 15.00 - 217.50 637.50
Total Household Expenses 165.00 - 2,392.50 7,012.50
NET BUSINESS & HH INCOME 235.00 - 7,607.50 14,187.50
Debt Capacity Analysis
Equivalent of DAILY Net Income 235.00 1,645.00 6,580.00
Equivalent of WEEKLY Net Income - - -
Equivalent of SEMI-MONTHLY Net Income -
Equivalent of MONTHLY Net Income - - 7,607.50
Amount available for debt service - - 14,187.50
Adjusted Debt Capacity @ 40% - - 5,675.00
Max. Loan Amount for 5years E5PAD - - 85,466.87
Max. Loan Amount for 1year E5PAD - - 42,573.14
Max. Loan Amount for 1year PADReg - - 38,710.78

Prepared By: Checked By: Noted by:

Jonathan Huarde George Valeriano Dan Magdasoc
C.I.BI. Branch Accountant FMCM
 Cash Flow Analysis
MONTHLY
Muriel Ermino Daily Weekly Monthly
TOTALS
GROSS Income from Business
Business 1:Sari Sari Store 3,125.00 87,500.00
Business 2: -
Business 3: -
Total Business Income 3,125.00 - - 87,500.00
Business Expenses
Raw Materials/Purchase
Business 1: 2,500.00 70,000.00
Business 2: -
Business 3: -
Salaries and Wages -
Rent-ticket stall- TICKET -
Utilities - -
Transportation Expenses 16.00 448.00
Fuel 100.00 2,800.00
Business Taxes & Licenses -
Other Business Expenses - -
Total Business Expenses 2,616.00 - - 73,248.00
NET BUSINESS INCOME 509.00 - - 14,252.00
Other Household Income
Salaries & Wages - 300.00 8,400.00
Pension -
Remittances - -
Other Income -
Total, Other Household Income 300.00 - - 8,400.00
TOTAL BUSINESS & HH INCOME 809.00 - - 22,652.00
HOUSEHOLD EXPENSES
Food 150.00 4,200.00
House Rent -
Education and School Allowance -
Salaries & Wages -
Utilities -Elerctric 200.00 200.00
Transportation- -
Medical Expenses -
Insurance premium -
Other Loan Payments -Fundline, innertrade 550.00 15,400.00
Other Expenses - charcoal/Groceries 550.00 550.00
Sub-Total 700.00 - 750.00 20,350.00
Add: Miscellaneous Expenses ( 10 %) 70.00 - 75.00 2,035.00
Total Household Expenses 770.00 - 825.00 22,385.00
NET BUSINESS & HH INCOME - - - 24,711.00
Debt Capacity Analysis
Equivalent of DAILY Net Income - - -
Equivalent of WEEKLY Net Income - - -
Equivalent of SEMI-MONTHLY Net Income -
Equivalent of MONTHLY Net Income - - -
Amount available for debt service - - -
Adjusted Debt Capacity @ 25% - - -
Max. Loan Amount for 12 months - - -

Prepared By: Checked By: Noted By:

M. ESCOBAL D.BACONAWA G.VALERIANO
Account Officer Branch Accountant FMCM/Branch Manager