Excel Sheet Download 12030 | Business Case Analysis Tool

Partial file snippet.

Sheet 1: Introduction

	
	
	
		

		

		

		

		

		

		

		

		

		

		

	
	
		Agent Business case tool 
		

		

		

		

		

		

		

		
 
		
		
	
		This tool is for business case analysis for agent to do AMK business. For the purpose of this tool, we have considered three different categories of agents including master/super agent, standard agent and Micro/Special agent. This is the existing categorisation used by AMK. Under each of the categories, we have designed four performance scenarios - "Excellent/Well performing", "Good", "Average" and "Not performing". These scenario represents different income scenarios for agent and also the business case for AMK for the specific agent. The tool has following sheets: 
		
	
		Sheet 1
		Income Scenario sheet 
		

		

		

		

		

		

		

		

		

	
	
		

		This sheet is to get income scenarios for different category of agents. For every category, income is calculated for four performance scenarios termed as excellent, good, average and not performing.  
		
	
		Sheet 2
		Cost and Expenses
		

		

		

		

		

		

		

		

		

	
	
		

		This sheet calcualtes the one time and monthly/recurring costs for both agent and AMK. Then it also calculates the breakeven time for agent and for AMK for this specific agent
		
	
		Sheet 3
		Definitions
		

		

		

		

		

		

		

		

		

	
	
		

		This defines the different performance levels in terms of number of transactions
		

		

		

		

		

		

		

		

		

	
	
		Sheet 4
		Agent Income calculator
		

		

		

		

		

		

		

		

		

	
	
		

		This tool does calculation for income based on number of transactions
		

		

		

		

		

		

		

		

		

	
	
		

		

		

		

		

		

		

		

		

		

		

	
	
		Using the tool
		

		

		

		

		

		

		

		

		

		

	
	
		

		This tool will also allow AMK to understand how much time it takes to breakeven on an agent under different categories
		

		

		

		

		

		

		

		

		

	
	
		

		This tool can also be used by MBOs to build income scenarios for agent based on transactions. This can be made a part of the agent pitch
		

		

		

		

		

		

		

		

		

	
	
		

		This tool can be used as a segmentation tool for agents. AMK can do a monthly/quaterly review of the agent performance and based on number of agents under each performance scenario, design specific incentives schemes 
		
	
		

		

		

		

		

		

		

		

		

		

		

	
	
		

		

		

		

		

		

		

		

		

		

		

	



Sheet 2: Income Scenarios

	
	
	
	
	
	
	
	
	
	
	
		

		

		

		

		

		

		

		

		

		

		

		

		
 
		
		
	
		

		

		

		

		

		

		

		

		

		

		

		

		
	
		

		

		

		

		

		

		

		

		

		

		

		

		
	
		Income Scenario for Master/Super Agents
		

		

		

		

		

		

		

		

		

		
	
		

		

		

		

		

		

		

		

		

		

		

		

		
	
		Type of Transaction
		Number of transactions/month
		Per transaction commission for agent
		Income/per transaction for AMK
		Commissions Earned by agent
		Commissions Earned by AMK
		
	
		

		Excellent
		Good 
		Average
		Not performing
		

		

		Excellent
		Good 
		Average
		Not performing
		Excellent
		Good 
		Average
		Not performing
	
	
		Account opening 
		0
		0
		0
		0
		0.5
		-0.5
		0
		0
		0
		0
		0
		0
		0
		0
	
	
		Send Money
		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		Cash to Cash 
		350
		200
		100
		100
		0.5
		0.2
		175
		100
		50
		50
		70
		40
		20
		20
	
	
		Cash to A/c 
		20
		20
		10
		0
		0.5
		0.2
		10
		10
		5
		0
		4
		4
		2
		0
	
	
		A/c to cash 
		20
		20
		20
		0
		0.3
		0.2
		6
		6
		6
		0
		4
		4
		4
		0
	
	
		A/c to A/c
		10
		20
		20
		0
		0.3
		0.2
		3
		6
		6
		0
		2
		4
		4
		0
	
	
		Receive money 
		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		Cash
		350
		140
		100
		50
		0.5
		0.2
		175
		70
		50
		25
		70
		28
		20
		10
	
	
		Bill Payments
		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		Cash
		300
		100
		100
		50
		0.1
		0.35
		30
		10
		10
		5
		105
		35
		35
		17.5
	
	
		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		Loan repayment 
		50
		25
		0
		0
		0.25
		-0.15
		12.5
		6.25
		0
		0
		-7.5
		-3.75
		0
		0
	
	
		Deposit 
		50
		25
		25
		0
		0.1
		-0.1
		5
		2.5
		2.5
		0
		-5
		-2.5
		-2.5
		0
	
	
		Withdrawal 
		100
		50
		25
		0
		0.3
		0
		30
		15
		7.5
		0
		0
		0
		0
		0
	
	
		

		1250
		600
		400
		200
		

		

		446.5
		225.75
		137
		80
		242.5
		108.75
		82.5
		47.5
	
	
		

		Number of transactions/month
		

		

		

		Total Income earned/month by agent
		Total Income earned/month by AMK
		
	
		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		Income Scenario for Standard Agent
		

		

		

		

		

		

		

		

		

		

		

		

	
	
		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		Transactions 
		Number of transactions/month
		Per transaction commission for agent
		Income/per transaction for AMK
		Commissions Earned by agent
		Commissions Earned by AMK
		
	
		

		Excellent
		Good 
		Average
		Not performing
		

		

		Excellent
		Good 
		Average
		Not performing
		Excellent
		Good 
		Average
		Not performing
	
	
		Account opening 
		2
		2
		2
		1
		0.5
		-0.5
		1
		1
		1
		0.5
		-1
		-1
		-1
		-0.5
	
	
		Send Money
		

		

		

		

		

		

		0
		0
		0
		0
		

		

		

		

	
	
		Cash to Cash 
		200
		100
		65
		50
		0.5
		0.2
		100
		50
		32.5
		25
		40
		20
		13
		10
	
	
		Cash to A/c 
		20
		10
		5
		5
		0.5
		0.2
		10
		5
		2.5
		2.5
		4
		2
		1
		1
	
	
		A/c to cash 
		10
		6
		5
		2
		0.3
		0.2
		3
		1.8
		1.5
		0.6
		2
		1.2
		1
		0.4
	
	
		A/c to A/c
		10
		4
		3
		2
		0.3
		0.2
		3
		1.2
		0.9
		0.6
		2
		0.8
		0.6
		0.4
	
	
		Receive money 
		

		

		

		

		

		

		0
		0
		0
		0
		

		

		

		

	
	
		Cash
		150
		100
		50
		0
		0.5
		0.2
		75
		50
		25
		0
		30
		20
		10
		0
	
	
		Bill Payments
		

		

		

		

		

		

		0
		0
		0
		0
		

		

		

		

	
	
		Cash
		200
		100
		100
		50
		0.1
		0.35
		20
		10
		10
		5
		70
		35
		35
		17.5
	
	
		

		

		

		

		

		

		

		0
		0
		0
		0
		

		

		

		

	
	
		Loan repayment 
		60
		40
		50
		0
		0.25
		-0.15
		15
		10
		12.5
		0
		-9
		-6
		-7.5
		0
	
	
		Deposit 
		40
		10
		10
		5
		0.1
		-0.1
		4
		1
		1
		0.5
		-4
		-1
		-1
		-0.5
	
	
		Withdrawal 
		60
		20
		10
		10
		0.3
		0
		18
		6
		3
		3
		0
		0
		0
		0
	
	
		

		752
		392
		300
		125
		

		

		249
		136
		89.9
		37.7
		134
		71
		51.1
		28.3
	
	
		

		Number of transactions/month
		

		

		

		Total Income earned/month
		Total Income earned/month
		
	
		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		Income Scenario for Micro Agent
		

		

		

		

		

		

		

		

		

		

		

		

	
	
		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		Transactions 
		Number of transactions
		

		Per transaction commission for agent
		Income/per transaction for AMK
		Commissions Earned by agent
		Commissions Earned by AMK
		
	
		

		Excellent
		Good 
		Average
		Not performing
		

		

		Excellent
		Good 
		Average
		Not performing
		Excellent
		Good 
		Average
		Not performing
	
	
		Account opening 
		0
		0
		0
		0
		0.5
		-0.5
		0
		0
		0
		0
		0
		0
		0
		0
	
	
		Send Money
		

		

		

		

		

		

		0
		0
		0
		0
		

		

		

		

	
	
		Cash to Cash 
		20
		10
		10
		40
		0.5
		0.2
		10
		5
		5
		20
		4
		2
		2
		8
	
	
		Cash to A/c 
		10
		5
		5
		0
		0.5
		0.2
		5
		2.5
		2.5
		0
		2
		1
		1
		0
	
	
		A/c to cash 
		5
		4
		0
		0
		0.3
		0.2
		1.5
		1.2
		0
		0
		1
		0.8
		0
		0
	
	
		A/c to A/c
		10
		8
		0
		0
		0.3
		0.2
		3
		2.4
		0
		0
		2
		1.6
		0
		0
	
	
		Receive money 
		

		

		

		

		

		

		0
		0
		0
		0
		

		

		

		

	
	
		Cash
		100
		50
		0
		10
		0.5
		0.2
		50
		25
		0
		5
		20
		10
		0
		2
	
	
		Bill Payments
		

		

		

		

		

		

		0
		0
		0
		0
		

		

		

		

	
	
		from A/c
		150
		75
		50
		50
		0.1
		0.35
		15
		7.5
		5
		5
		52.5
		26.25
		17.5
		17.5
	
	
		

		

		

		

		

		

		

		0
		0
		0
		0
		

		

		

		

	
	
		Loan repayment 
		100
		80
		70
		0
		0.25
		-0.15
		25
		20
		17.5
		0
		-15
		-12
		-10.5
		0
	
	
		Deposit 
		5
		5
		5
		0
		0.1
		-0.1
		0.5
		0.5
		0.5
		0
		-0.5
		-0.5
		-0.5
		0
	
	
		Withdrawal 
		10
		10
		10
		0
		0.3
		0
		3
		3
		3
		0
		0
		0
		0
		0
	
	
		

		410
		247
		150
		100
		

		

		113
		67.1
		33.5
		30
		66
		29.15
		9.5
		27.5
	
	
		

		Number of transactions/month
		

		

		

		Total Income earned/month
		Total Income earned/month
		
	
		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

	



Sheet 3: Costs and expenses for agent

	
	
	
	
	
	
	
	
	
	
	
	
	
		Expenses for agents
		

		

		

		

		

		

		

		

		

		

		

		

	
	
		Costs 
		Type of cost
		Type of Agents 
		

		

		

		
 
		
		

	
	
		

		

		Master/Super agents
		Standard
		Special/micro agent
		

		

		

		

	
	
		Mobile Phone
		Capital Cost/one time costs
		200
		200
		200
		

		

		

		

	
	
		Branding 
		Capital Cost/one time costs
		400
		200
		0
		

		

		

		

	
	
		MPOS deposit
		Deposit 
		150
		150
		0
		

		

		

		

		

		

		

		

	
	
		Internet cost
		Recurring Monthly
		5
		5
		5
		

		

		

		

		

		

		

		

	
	
		Starting investment
		Deposit 
		12000
		4000
		1000
		

		

		

		

		

		

		

		

	
	
		Employee cost
		Recurring Monthly
		150
		0
		0
		

		

		

		

		

		

		

		

	
	
		Opportunity cost on deposit (@15%)
		Recurring Monthly
		151.875
		51.875
		12.5
		

		

		

		

		

		

		

		

	
	
		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		

		Total Capital/One time cost
		600
		400
		200
		

		

		

		

		

		

		

		

	
	
		

		Total Deposit
		12150
		4150
		1000
		

		

		

		

		

		

		

		

	
	
		

		Total monthly recurring costs
		306.875
		56.875
		17.5
		

		

		

		

		

		

		

		

	
	
		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		Set up expenses for AMK
		

		

		

		

		

		

		

		

		

		

		

		

	
	
		Costs 
		Type of cost
		Type of Agents 
		

		

		

		

		

		

		

		

	
	
		

		

		Master/super agent
		Standard
		Special/micro agent
		

		

		

		

		

		

		

		

	
	
		Branding
		

		1300
		500
		50
		

		

		

		

		

		

		

		

	
	
		Misc
		

		50
		50
		50
		

		

		

		

		

		

		

		

	
	
		

		Cost/agent set up
		1350
		550
		100
		

		

		

		

		

		

		

		

	
	
		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		

		Master/super agent
		Standard Agents
		Special/Micro agent
		
	
		

		Excellent
		Good 
		Average
		Not performing
		Excellent
		Good 
		Average
		Not performing
		Excellent
		Good 
		Average
		Not performing
	
	
		Total Income earned by agent per month
		446.50
		225.75
		137.00
		80.00
		249.00
		136.00
		89.90
		37.70
		113.00
		67.10
		33.50
		30.00
	
	
		Breakeven for agent
		

		

		

		

		

		

		

		

		

		

		

		

	
	
		Monthly recurring cost+one time investment
		906.88
		906.88
		906.88
		906.88
		456.88
		456.88
		456.88
		456.88
		217.50
		217.50
		217.50
		217.50
	
	
		Total investment with deposit
		13056.88
		13056.88
		13056.88
		13056.88
		4606.88
		4606.88
		4606.88
		4606.88
		1217.50
		1217.50
		1217.50
		1217.50
	
	
		Months for breakeven without deposit
		2.03
		4.02
		6.62
		11.34
		1.83
		3.36
		5.08
		12.12
		1.92
		3.24
		6.49
		7.25
	
	
		Months for breakeven with deposit
		29.24
		57.84
		95.31
		163.21
		18.50
		33.87
		51.24
		122.20
		10.77
		18.14
		36.34
		40.58
	
	
		Return on investment for agent
		41%
		21%
		13%
		7%
		65%
		35%
		23%
		10%
		111%
		66%
		33%
		30%
	
	
		Breakeven for AMK
		

		

		

		

		

		

		

		

		

		

		

		

	
	
		Total set up cost
		1350.00
		1350.00
		1350.00
		1350.00
		550.00
		550.00
		550.00
		550.00
		100.00
		100.00
		100.00
		100.00
	
	
		Months for breakeven for AMK
		3.02
		5.98
		9.85
		16.88
		2.21
		4.04
		6.12
		14.59
		0.88
		1.49
		2.99
		3.33

The words contained in this file might help you see if this file matches what you are looking for:

...Sheet introduction agent business case tool this is for analysis to do amk the purpose of we have considered three different categories agents including mastersuper standard and microspecial existing categorisation used by under each designed four performance scenarios quot excellentwell performing good average not these scenario represents income also specific has following sheets get category every calculated termed as excellent cost expenses calcualtes one time monthlyrecurring costs both then it calculates breakeven definitions defines levels in terms number transactions calculator does calculation based on using will allow understand how much takes an can be mbos build made a part pitch segmentation monthlyquaterly review design incentives schemes type transaction transactionsmonth per commission incomeper commissions earned account opening send money cash ac receive bill payments loan repayment deposit withdrawal total earnedmonth micro from specialmicro mobile phone capital cost...

Related files

Share

Help


Agent Business case tool
This tool is for business case analysis for agent to do AMK business. For the purpose of this tool, we have considered three different categories of agents including master/super agent, standard agent and Micro/Special agent. This is the existing categorisation used by AMK. Under each of the categories, we have designed four performance scenarios - "Excellent/Well performing", "Good", "Average" and "Not performing". These scenario represents different income scenarios for agent and also the business case for AMK for the specific agent. The tool has following sheets:
Sheet 1	Income Scenario sheet
	This sheet is to get income scenarios for different category of agents. For every category, income is calculated for four performance scenarios termed as excellent, good, average and not performing.
Sheet 2	Cost and Expenses
	This sheet calcualtes the one time and monthly/recurring costs for both agent and AMK. Then it also calculates the breakeven time for agent and for AMK for this specific agent
Sheet 3	Definitions
	This defines the different performance levels in terms of number of transactions
Sheet 4	Agent Income calculator
	This tool does calculation for income based on number of transactions

Using the tool
	This tool will also allow AMK to understand how much time it takes to breakeven on an agent under different categories
	This tool can also be used by MBOs to build income scenarios for agent based on transactions. This can be made a part of the agent pitch
	This tool can be used as a segmentation tool for agents. AMK can do a monthly/quaterly review of the agent performance and based on number of agents under each performance scenario, design specific incentives schemes




Income Scenario for Master/Super Agents

Type of Transaction	Number of transactions/month				Per transaction commission for agent	Income/per transaction for AMK	Commissions Earned by agent				Commissions Earned by AMK
	Excellent	Good	Average	Not performing			Excellent	Good	Average	Not performing	Excellent	Good	Average	Not performing
Account opening	0	0	0	0	0.5	-0.5	0	0	0	0	0	0	0	0
Send Money
Cash to Cash	350	200	100	100	0.5	0.2	175	100	50	50	70	40	20	20
Cash to A/c	20	20	10	0	0.5	0.2	10	10	5	0	4	4	2	0
A/c to cash	20	20	20	0	0.3	0.2	6	6	6	0	4	4	4	0
A/c to A/c	10	20	20	0	0.3	0.2	3	6	6	0	2	4	4	0
Receive money
Cash	350	140	100	50	0.5	0.2	175	70	50	25	70	28	20	10
Bill Payments
Cash	300	100	100	50	0.1	0.35	30	10	10	5	105	35	35	17.5

Loan repayment	50	25	0	0	0.25	-0.15	12.5	6.25	0	0	-7.5	-3.75	0	0
Deposit	50	25	25	0	0.1	-0.1	5	2.5	2.5	0	-5	-2.5	-2.5	0
Withdrawal	100	50	25	0	0.3	0	30	15	7.5	0	0	0	0	0
	1250	600	400	200			446.5	225.75	137	80	242.5	108.75	82.5	47.5
	Number of transactions/month						Total Income earned/month by agent				Total Income earned/month by AMK

Income Scenario for Standard Agent

Transactions	Number of transactions/month				Per transaction commission for agent	Income/per transaction for AMK	Commissions Earned by agent				Commissions Earned by AMK
	Excellent	Good	Average	Not performing			Excellent	Good	Average	Not performing	Excellent	Good	Average	Not performing
Account opening	2	2	2	1	0.5	-0.5	1	1	1	0.5	-1	-1	-1	-0.5
Send Money							0	0	0	0
Cash to Cash	200	100	65	50	0.5	0.2	100	50	32.5	25	40	20	13	10
Cash to A/c	20	10	5	5	0.5	0.2	10	5	2.5	2.5	4	2	1	1
A/c to cash	10	6	5	2	0.3	0.2	3	1.8	1.5	0.6	2	1.2	1	0.4
A/c to A/c	10	4	3	2	0.3	0.2	3	1.2	0.9	0.6	2	0.8	0.6	0.4
Receive money							0	0	0	0
Cash	150	100	50	0	0.5	0.2	75	50	25	0	30	20	10	0
Bill Payments							0	0	0	0
Cash	200	100	100	50	0.1	0.35	20	10	10	5	70	35	35	17.5
							0	0	0	0
Loan repayment	60	40	50	0	0.25	-0.15	15	10	12.5	0	-9	-6	-7.5	0
Deposit	40	10	10	5	0.1	-0.1	4	1	1	0.5	-4	-1	-1	-0.5
Withdrawal	60	20	10	10	0.3	0	18	6	3	3	0	0	0	0
	752	392	300	125			249	136	89.9	37.7	134	71	51.1	28.3
	Number of transactions/month						Total Income earned/month				Total Income earned/month

Income Scenario for Micro Agent

Transactions	Number of transactions				Per transaction commission for agent	Income/per transaction for AMK	Commissions Earned by agent				Commissions Earned by AMK
	Excellent	Good	Average	Not performing			Excellent	Good	Average	Not performing	Excellent	Good	Average	Not performing
Account opening	0	0	0	0	0.5	-0.5	0	0	0	0	0	0	0	0
Send Money							0	0	0	0
Cash to Cash	20	10	10	40	0.5	0.2	10	5	5	20	4	2	2	8
Cash to A/c	10	5	5	0	0.5	0.2	5	2.5	2.5	0	2	1	1	0
A/c to cash	5	4	0	0	0.3	0.2	1.5	1.2	0	0	1	0.8	0	0
A/c to A/c	10	8	0	0	0.3	0.2	3	2.4	0	0	2	1.6	0	0
Receive money							0	0	0	0
Cash	100	50	0	10	0.5	0.2	50	25	0	5	20	10	0	2
Bill Payments							0	0	0	0
from A/c	150	75	50	50	0.1	0.35	15	7.5	5	5	52.5	26.25	17.5	17.5
							0	0	0	0
Loan repayment	100	80	70	0	0.25	-0.15	25	20	17.5	0	-15	-12	-10.5	0
Deposit	5	5	5	0	0.1	-0.1	0.5	0.5	0.5	0	-0.5	-0.5	-0.5	0
Withdrawal	10	10	10	0	0.3	0	3	3	3	0	0	0	0	0
	410	247	150	100			113	67.1	33.5	30	66	29.15	9.5	27.5
	Number of transactions/month						Total Income earned/month				Total Income earned/month

Expenses for agents
Costs	Type of cost	Type of Agents
		Master/Super agents	Standard	Special/micro agent
Mobile Phone	Capital Cost/one time costs	200	200	200
Branding	Capital Cost/one time costs	400	200	0
MPOS deposit	Deposit	150	150	0
Internet cost	Recurring Monthly	5	5	5
Starting investment	Deposit	12000	4000	1000
Employee cost	Recurring Monthly	150	0	0
Opportunity cost on deposit (@15%)	Recurring Monthly	151.875	51.875	12.5

	Total Capital/One time cost	600	400	200
	Total Deposit	12150	4150	1000
	Total monthly recurring costs	306.875	56.875	17.5

Set up expenses for AMK
Costs	Type of cost	Type of Agents
		Master/super agent	Standard	Special/micro agent
Branding		1300	500	50
Misc		50	50	50
	Cost/agent set up	1350	550	100


	Master/super agent				Standard Agents				Special/Micro agent
	Excellent	Good	Average	Not performing	Excellent	Good	Average	Not performing	Excellent	Good	Average	Not performing
Total Income earned by agent per month	446.50	225.75	137.00	80.00	249.00	136.00	89.90	37.70	113.00	67.10	33.50	30.00
Breakeven for agent
Monthly recurring cost+one time investment	906.88	906.88	906.88	906.88	456.88	456.88	456.88	456.88	217.50	217.50	217.50	217.50
Total investment with deposit	13056.88	13056.88	13056.88	13056.88	4606.88	4606.88	4606.88	4606.88	1217.50	1217.50	1217.50	1217.50
Months for breakeven without deposit	2.03	4.02	6.62	11.34	1.83	3.36	5.08	12.12	1.92	3.24	6.49	7.25
Months for breakeven with deposit	29.24	57.84	95.31	163.21	18.50	33.87	51.24	122.20	10.77	18.14	36.34	40.58
Return on investment for agent	41%	21%	13%	7%	65%	35%	23%	10%	111%	66%	33%	30%
Breakeven for AMK
Total set up cost	1350.00	1350.00	1350.00	1350.00	550.00	550.00	550.00	550.00	100.00	100.00	100.00	100.00
Months for breakeven for AMK	3.02	5.98	9.85	16.88	2.21	4.04	6.12	14.59	0.88	1.49	2.99	3.33

Related files

Share

Share to social media

Help

Login Area