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IBAKWE SACCOGatsibo
A discussion on youth training and work experience in Gatsibo.
HomeBusiness guide
A LITTLE MORE CLARITY / 02

A business with a plan.
Cash with a clear path.

For traders, groups and cooperatives: understand what you have, what comes in and what goes out.

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Photo: A discussion on youth training and work experience in Gatsibo. Gatsibo District
STOCK → SALE → PAYMENT

Profit and available cash
tell different stories.

You can make a profit on sales while customers still hold the cash. A cashflow plan helps you spot the gap early.

Buy stockSell · record creditCollect payment · plan again

  1. Separate your money

    Record money taken from the business for household use. Keeping money separately works best when every movement is also recorded.

  2. Keep a daily record

    Record sales, cash received, payments and supporting evidence. Selling on credit does not immediately increase the cash you have.

  3. Know where cash is tied up

    Review stock at cost, customer debts and amounts owed to suppliers. Put a date against each expected receipt or payment.

  4. Prepare a borrowing conversation

    Explain the purchase, how it will generate cash and how you would repay during a slower period. Ask for the schedule, total costs and requirements.

YOUR NUMBERS, A CLEARER PICTURE

Will the cash cover the plan?

Use one period for every figure, such as one month. Include taxes, debt payments, equipment and owner withdrawals in cash payments. Prefilled numbers are examples only.

Closing cash = opening cash + receipts − payments. Shortfall = desired reserve − closing cash, if positive. This is not a profit calculation or a lending decision.

GATSIBO · SEASONAL PLANNING

Your harvest has a season.
Let your budget follow it.

For farming, livestock and related trade, when money arrives matters as much as how much arrives.

Compare selling and storingPlan livestock fodderAssess irrigation equipment

  1. Mark the important dates

    Note when you will buy seed, plant, buy fodder, harvest and sell. Separate money already received from money you expect.

  2. Allow for months without sales

    Include food, school, transport and household costs that continue between harvests.

  3. Test a difficult season

    Recalculate with a smaller harvest, delayed sales or higher costs. Identify what you could adjust before committing to repayments.

YOUR NEXT STEP

Your next chapter.
Let’s talk about it.

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