Course Content
Analyzing Your Business Financial Health
Now that you understand the three main financial statements, it's time to use them to gain insights into your business's financial health. We'll use financial ratios, which are powerful tools to compare different aspects of your statements and identify trends.
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Main Quiz
Overall Course Quiz
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Online Self-Assessment Checklist
Use this checklist to assess your readiness to apply financial analysis in your business. Tick 'Yes' if you feel confident, 'No' if you need more practice.
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Key Learning Points
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Glossary of Key Terms
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Investment Readiness: Pitch Decks & Loan Applications
● Start Here: Begin by reviewing the Module Introduction to understand the scope. ● Navigate Lessons: Each lesson provides objectives, definitions, examples, and mini-quizzes. ● Complete Templates: Utilize provided tools and templates to apply concepts. ● Review Case Studies: Analyze real-world scenarios to deepen understanding. ● Take Quizzes: Test your knowledge with online mini-quizzes throughout and a comprehensive main quiz at the end.
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Financial Analysis and Growth Planning

Scenario: Selamawit has just completed her first three months (Q1) of operating her clean cookstoves and biofuel briquette shop in Hawassa. She wants to see how her business performed.

Selamawit’s Q1 Financial Data:

  • Total Revenue: ETB 75,000 (from selling 50 cookstoves at ETB 1,000 each and 250 bags of briquettes at ETB 100 each, and some repairs)
    • (50 – 1000) + (250 – 100) = 50000 + 25000 = 75,000
  • Cost of Goods Sold (COGS): ETB 40,000 (cost of purchasing cookstoves and materials for briquettes)
  • Operating Expenses:
    • Shop Rent: ETB 15,000 (3 months – ETB 5,000/month)
    • Marketing & Promotion: ETB 1,000 (flyers, social media boosts)
    • Utility Bills: ETB 3,000
    • Transportation (for supplies): ETB 2,000
  • Interest Expense: ETB 500 (on a small loan from a microfinance institution)
  • Tax Expense: ETB 1,500 (estimated for the quarter)

Selamawit’s Q1 Income Statement Summary:

Description

               Amount (ETB)

Total Revenue

75,000

Cost of Goods Sold (COGS)

40,000

Gross Profit =Revenue−COGS

ETB 75,000 – ETB 40,000 = ETB 35,000

35,000

Operating Expenses

21,000

Earnings Before Interest & Tax (EBIT)Gross Profit−Operating ExpensesETB 35,000 – ETB 21,000 = ETB 14,000

 

14,000

Interest Expense

500

Tax Expense

1,500

Net Profit (Net Income)

=EBIT−Interest−Taxes

 

ETB 14,000 (EBIT) – ETB 500 (Interest) – ETB 1,500 (Tax) = ETB 12,000

12,000

 

Analysis for Selamawit: Selamawit’s business made a net profit of ETB 12,000 in its first quarter. This is a positive sign! It shows that her sales are strong enough to cover her costs and even leave some money for reinvestment or personal use. She should continue to track this regularly to see if her profits are growing.

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