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SHAHNAZ HUSSAIN : Founder , Shahnaz Herbals Inc

 SHAHNAZ HUSSAIN

The founder and managing Director of Shahnaz Herbals Inc., which is for herbal cosmetics, particularly for skin care products. She is one of the prominent Indian female Entrepreneur.

EARLY LIFE

Shahnaz Hussain is the daughter of late Nasir Ullah Beg, former chief Justice of Allahabad High Court. She was born in Samarkhand on 5th November 1944. She married at the age of 16.

AWARDS AND RECOGNITION

In 1989, She received the "Bharat Nirman Award''.

Received ''Sadbavan Award'' in the year 1995.

Received ''Padma Shree Award'' in the year 2006.

''How she established an international brand without a commercial advertisement. It also became a Harvard Case Study.

She often invited to Prestigious Business Schools Abroad. She has lectured to students of students of the London School Of Economics. Massachusetts Institute of Technology (MIT), the University of Oxford. She also represented India at President Barak Obama's summit for Entrepreneurs.

She won Success Magazine's "World's Greatest Woman Entrepreneur" award in 1996. She has spoken at the House of Lords and House of Commons in the British Parliament. Even she has walked the red carpet at the Cannes Film Festival.

In 2006, Shahnaz received the "Woman of the Year Udyog Ratan Award".

CORPORATE SOCIAL RESPONSIBILITY

Shahnaz Hussain empowered the physically challenged people for free beauty training course.

Shahnaz Hussain has tied up with Government Skill Development for beauty and wellness.

Her beauty academy has trained and certified more than 40000 underprivileged women. Even they have to distribute tool kits for a home-based business.

SKILL DEVELOPMENT PROJECTS

Shahnaz Hussain has involved in Government Skill Development through her beauty Academy, for Training and  Certifying under-priviliged women in the beauty and wellness industry.

Entrepreneur: The New Business Era, Richa Singh

 This Article is All about Richa Singh

Richa Singh, Indian institution of technology Guwahati, graduated. She created an online portal for mental health and wellness, co-founder and CEO of YOURDOST.

YOURDOST- DOST means Friend in Hindi.

5 years ago Punith and Richa started this, and mission was simple- Spreading happiness, One smile at a time.......Started a company on 3rd July 2015

YourDOST-

Online counseling & Emotional wellness coach- Visit official website www.yourdost.com 

WHAT IS YourDOST?

YourDOST is a platform that allows people to seek help and share their problems through an online interface. The professionally trained counselors help you cope with work stress, emotional support and this is for free and video calls are Rs.400.

Connecting with YourDOST.com is understand your emotions, learn self help techniques, taking to caring experts anytime and feel better.

Got started this path in 2009, when she was a student in IIT, Guwahati. One of her Friend committed suicide due to anticipation of bad placement.

No one has any idea about her suffering before she took the Drastic step. After this incident she started Research about psychological issues and emotional stress and wanted to help people.

The Research took place between 2009 and 2011. she began with a blog first in 2013. popularity of blog further helped understand the need for web based solution. And it was actually started in 2015.

FACE OF YourDOST

Today, Youtube videos to the total digital footprint that YourDOST has accumulated, a large chunk of its glided with the face of the company, Richa Singh. She presents, gives interviews, she belives that entrepreneurs should forget that there will be a tiara moment.

Richa notes certain moments of her life that she marked as important events, Sellection at national level for table tennis was one. she never thought she would be playing at nationals. she was good in other activities but to do well in some sport. it gave her a lot of confidence.

YourDOST touched ONE lakh members already, Richa hopes for a future where her company is able to enhance a lot more people to take care of  their emotional wellbeing.

SHE BELIVES THAT-

For an entrepreneur, being the first line is quintessential. The hero of the concept, the person behind the idea, the one to face the cameras. It takes confidence. Richa puts confidence as absolutely necessary.

With Practice you get better. The same confidence is required to launch a product and showing it to the people too.

She also highlighted that she understood later after a talk with an entrepreneur that we start a small business and start taking feedback and take criticism as inputs. That is the way forward. The day they hit their profitability as a startup. They knew they became sustainable.

Under Richa's leadership YourDOST continues to be helping hand in tackling a problem that is staring as straight in the eye.

Admist that journey she remains a life long learner.

She concludes saying, If nothing is left to do in life, hypothetically speaking, she would be travelling, learning and teaching people.

AS A ARTICLE WRITER I STAND UP AND SALUTE HER FOR HER IDEAS AND EFFORTS.

Do visit www.yourdost.com

THANKS FOR BEING AN WONDERFUL AUIDENCE

Salon Business

 

What Salons Are Facing Now

Many Salons laid off their workers quickly after the shutdowns, allowing them to apply for unemployment benefits. Lots of salons, unlike the handful of large companies that can afford to, just aren’t flush enough to continue to pay salaries. But for the many manicurists, stylists, braiders, colorists, and barbers who are classified as independent contractors, things are even trickier. Prior to the passing of the CARES Act, the $2 trillion bill that will offer relief to laid-off workers, Freelancers and independent contractors weren’t typically eligible for unemployment benefits.

The situation is looking a little better as benefits have been expanded to freelancer workers, and the  stimulus bill just passed will grant an additional 600 dollar a week for four months to laid-off workers. But there will be delays for many states before any of this kicks in, according to CNN, and CNBC reported that some still may find themselves not eligible for the Pandemic Unemployment Assistance.

Workers who rely primarily on tips, like nail technicians and assistants at salons, are sometimes paid below minimum wage, with tips making up the balance (though tipped income is not always reported accurately). This often results in underreporting of their actual income, which could mean a lower unemployment payment. And for many nail techs in New York City and other big urban areas where these workers are often undocumented, benefits may not be available at all. A representative for the New York Nail Salon Workers Association says that many nail techs are paid off the books or low day rates. “Even documented workers will have a challenging time accessing the benefits they may be entitled to due to the pervasive, illegal payment practices that pervade the nail salon industry, including underreporting earnings, or failing to keep records altogether." As of 2015, New York State has strict guidelines about how nail salon workers should be paid, including rules for daily wages, overtime, and tip allowances. We’ve reached out to the New York State Department of Labuor for comment about the allegation that some salon workers still aren’t paid properly.

“Food delivery service, I wouldn’t mind taking that. It’s needed. Once it’s over with, I can get back to business,” he says.

Several of the stylists I spoke to reported that some clients are still asking for services on DL. “We still have people reaching out. I’m like, ‘Guys, it’s a pandemic outside!’” says Annagjid "Kee" Taylor, who has a popular youtube channel, does freelance hair work in Los Angeles, and owns deeper than hair salon in Philadelphia, which specializes in natural hair care. But she has empathy for them. “I feel bad for people who had a cut or color coming up. I’m over here with seven nails on because it was time for me to get my nails done when it hit,” she says, laughing. (Still, don’t request a house call. You’re endangering yourself and your stylist and whoever else you come into contact with along the way.)

Some colorists and salons have started offering to mix their clients' color formulas so they can do their own quick root touch ups. Behindthechair.com’s Rector says they might see it as one way to bring in some revenue and to keep clients from turning to at-home color services, which may take away salon business when they open back up. But whether or not state licensing boards allow this practice, since these are professional-grade products, can vary depending on your location. For example, a New York State licensing board representative tells us that these products are for professional use only and could be dangerous, with the potential to cause burns or eye injuries. “Any Licensee who sells/facilitates the sale/distributes kits which include professional products may expose themselves to an allegation by the State of Untrustworthiness and/or Incompetency which may impact their... license(s),” the representative wrote in an email. As another example, a representative from California's licensing board responded via email: “Unfortunately our regulations do not allow for any oversight of the sale of products. We are recommending that individuals contact manufacturers as some hair color is sold for professional use only.” Some colorists are concerned about any potential liability if the chemicals were to injure someone trying to DIY.

 AYURVEDIC DOCTORS

Process of Bill Discounting with Bank

·         The parties who are involved in the discounting of bill of exchange include drawer,  drawee, and payee. On the other hand, in the case of factoring it includes the factor, debtor and borrower.

·         In bill discounting, bills are traded with the banks whereas, in the case of factoring, the accounts receivables are not traded but sold to the factors.

·         In case of discounting, generally Banks or financial institutions are the ones providing the service. While in the case of factoring, services are provided by the factoring companies which may or may not be banks.

·         In discounting the banks earn revenue from discounting charges and interest. In Factoring the factors get interest and commission for the services provided.

·         In discounting, no debts are assigned (in the case of with-recourse bill discounting) while in factoring, it is assigned.

·         Discounting is generally with recourse to the seller in case customer defaults in payment of debt. Contrary to it, in the case of factoring, it can be either recourse or non-recourse.

Best Businesses

1.    Partner with a dropshipping ...

2.    Design and sell print-on-demand t-shirts. ...

3.    Launch your own book. ...

4.    Create digital products or courses. ...

5.    Sell print-on-demand posters, greeting cards, and prints. ...

6.    Start a charitable businesses ...

7.    Sell a service. ...

8.    Create an online fashion boutique.

 

 

Software Entrepreneurship

 Software entrepreneurship has a different set of developing strategies than other business start-ups. The development of software, a digital “soft” good, involves different business models product strategy, people management, and development plan compared to the traditional manufacturing and service industries. For example in the software business, making one or ten million copies of a product cost about the same. Furthermore, the productivity difference between a good and bad employee is ten to twentyfold. As well, software projects tolerate 80 percent lateness and ongoing design changes on a regular basis.

Software entrepreneurship involves a broad range of businesses; from helping people plan daily events to controlling a space shuttle. There are mainly three kinds of software businesses: products, services and content business

• 
  
  The first thing software entrepreneurs should understand is the difference and the interrelationship between products and services business. The software product business is about selling licensed packages to customers. These products help solve a user pain and have potential for growth and profits. One advantage of starting up in this direction is the ability to attract stock market investors and venture capitalists for funding. This business also enjoys enormous economies of scale in selling multiple copies of the same software. The downside of creating products is that software sales are subject to fluctuations. Sales will drop drastically in economic recessions.

The service business involves creating applications for clients that tailor to their business needs. This includes the maintenance of software products they have purchased before. One advantage of service business is that long-term customer contracts can allow the company to survive rough economic times. The downside is that the business needs to attract enough clients to keep developers and consultants busy.

Software companies can also develop a hybrid solution involving a mixture of products and services. In this case, solutions are sold to clients that require extensive customization. Approximately 20 to 50 percent of coding is required for each individual client. Customers purchasing this type of IT solution usually do not switch vendors for long periods of time.

Funding

This is practically an impossible method as the bank requires security and personal loan guarantees.

Bank Financing

Government Aid

Governments usually give out non-repayable grants to encourage start-ups. There are also investment tax credits that can be claimed. One thing to be careful about government aid is the lengthy procedures that may be required before obtaining the funds.

Venture Capital

Venture Capital is risk capital invested into a start-up company at its early stages. Venture capitalists usually invest in start-ups that already have a relatively developed software product and some early sales. They look for products that have a large potential in a growing market with a competitive edge.

Venture capital help offers a large sum of money and often assistance in managing the company. People with software start-up experiences are available for mentoring. There are also help available in assisting the process of going public.

Important things in a business plan

 

Get in the reader's shoes

His inbox is probably full of business plans and he needs to get to the bottom of it.

He is therefore very likely to scan through each business plan in less than 2 minutes and to select only the most promising projects.

How to make your executive summary stand out?

First on the form. Make the text easy to read by using short paragraphs rather than long blocks of text. And keep it short: 1 (ideal) or 2 (maximum) pages.

Then on the content itself: go straight to the point. Introduce in a couple of paragraphs: the idea, the team, the market, the potential in terms of profitability, and the funding requirements. Don't try to cover everything in too many details: keep it high level and the investor will read the rest of the plan to get the details if he is interested.

The introduction of the executive summary

The investor (or the banker) will start by checking that the project matches its investment criteria:

• the idea and the funding requirements match his investment stage: seed, series A, growth, or LBO
• the sector is not over-allocated in its portfolio: investors have diversification criteria imposed by their investors, banks by their credit committee
• the market is big enough: especially important for equity investors
• the team has the right skill-set

The introduction of your executive summary must touch briefly on all of the points above before covering them in more details in the body of the executive summary.

For example:

Created in 2011, ABC Ltd offers through its website www.abc.com an A/B testing solution and generated a turnover of £1m in 2012. The objective of this business plan is to seek a financing of £20 to grow the company's market share in the A/B testing market valued at around £2.3bn en 2012. The company is led by 3 seasoned entrepreneurs and employs 2 other people.

The body of executive summary

The rest of executive summary must follow a progression. Start with the business description and the team, then the market and your financial highlights, and finally the funding requirements.

Business description

Try to introduce the company in a couple of sentences (legal structure, location, shareholders and management team), its activity, and the main milestones to date.

The aim is to build interest from the reader of your plan by showing that you have the right team to carry this project and some traction around the product. If you have some skill gaps within the team you need to address this concern by showing how you are going to fill the gap (recruitment, external advisor).

The reader now knows:

• in what he will be investing
• along which shareholders
• and who will lead the project 

Market

The next step is to give a brief overview of the market:

• Customers: who are they? How many are they? What is the estimated value of the market?
• Need: why will customers buy your products?
• Competition: who are your competitors? What sets you apart?
• Strategy: what is your market positioning? How are you going to access the market?

If you are writing your business plan for a bank, try to reassure by showing that there is a real need for your product and that you are going to generate revenues quickly. If your business plan is for an equity investor, you also need to emphasize the market size and demonstrate that there is the potential to establish a large business.

Financial highlights

Here you need to present your key historical and forecasted financials, along with the main assumptions underlying your forecast.

Mrs KKK

 11.3 CASE STUDY 1 --AN EXPERIENCED WOMEN ENTREPRENEUR  Mrs KKK, hails from a very poor family background, had no formal education, and is about 80 years of age at present. She is honest and sincere in whatever she is doing. She is a very industrious person since her childhood. She likes to go to the markets (Haat) (weekly market) in different villages which sometimes are as far as 20-30kms to do trading various products including rice, different varieties of fruits and soaps.  During this time, she learnt how to communicate with people and started building good relationships with regular customers and suppliers. She met many other great businesswomen and men at those times and made friendship with them. She worked so hard that very soon she became quite rich and able to support her family easily.  When she got married, she also got herself involved in agriculture, and produced lots of vegetables. She got considerable acres of land and hence was able to supply to various markets in plenty. She had several labourers and got them easily because of her earlier connections with many people from different villages in her earlier years. After 10 years of her work in agriculture she shifted her business to some construction and transport works, and invested in her first automobile, an old truck which in those days they called a ‗Dok Truck‘. It helped her in various ways and especially in carrying agricultural produce in those days.  Later she bought a Jeep; again this had helped her in going from one village to the other. Due to her industriousness, she proved once again by making the transport business a success, and bought a short bus which was available at that time and an Ambassador car. This experience made her realize that business was profitable and she bought some more vehicles including buses and ambassadors which were better than the earlier ones. Lack of competitors in those days had brought her huge profits. Mrs KKK never took a loan or any financial support from anyone or even from the bank in those days since she believes that it is only hard work and living a simple and economical lifestyle is adequate to help oneself financially. Although the transport business later went down since the Supreme Court order to ban deforestation, she was not discouraged by that and in fact, she availed many other new opportunities and now her businesses include a general store and real estates. 

 

 She mentioned a few things which are the most inevitable constraints; finance, ill-health and pregnancies. Other constraints she mentioned were employees not being loyal towards work, transportation cost are very high, competition is increasing, inflation, marketing the products and difficulties in getting customers, maintenance of business, retaining of employees. Being illiterate, she has to depend on somebody to translate whatever is written on paper. However, these problems were overcome with experience, hard work, patience and family support. Instead of being a disadvantage, matriliny has enabled Mrs KKK to exploit the greatest opportunity in being a successful entrepreneur. It has created in her the ability to be responsible, to be strong, to fight, and to foresee things.  (This Case Study is drawn from Sairabell Kurbah, Role of Women Entrepreneurs in the Economic Development of Meghalaya: A North Eastern State, India ,   International Journal of Engineering, Business and Enterprise Applications (IJEBEA), IJEBEA 13-156; © 2013, IJEBEA  2013  www.iasir.net )