Who and what the project needs
Market traders, neighbourhood retailers and small wholesalers. Fast-moving stock; simple storage; transport; basic records; approved payment and account tools.
J22 · Educational project model
Retail stock and market-trader growth
Plan stock purchases around what customers actually buy and when they pay. Keep enough cash for business costs and household essentials. A working-capital discussion should use real turnover, stock records and existing obligations, not sales alone.
How repayment or affordability should be tested
Repay from gross profit converted to cash after expenses and owner drawings. Match tenor to the stock cycle; avoid financing obsolete stock.
Critical risks
Inflation can increase turnover while reducing margins. Slow inventory, customer credit and mixing household money can conceal a cash deficit.
What to prepare
Sales/purchase records; supplier terms; stock counts; expenses and debt schedule; realistic household drawings.
What to measure
Cash margin, stock-turn days, customer debts and on-time repayments.