business-feasibility git:20260814.50425f4A

Immutable. This exact content never changes and is served at /api/v1/blob/6061bdc9476a9a3f.

---
name: business-feasibility
description: "Structure Indonesian SME feasibility assessments across market, technical, financial, legal, and risk aspects with consistent financial figures."
argument-hint: <business_idea> <investment> <projections>
risk_level: MEDIUM
rule_type: professional-standard
quality_tier: expert-reviewed
allowed-tools: bash
capability:
  purpose: [financial_analysis, unit_economics_modelling]
  not_for: [certified_audit_opinion, public_offering_prospectus]
  requires: [<business_idea> <investment> <projections>]
  produces: [bep_units, bep_revenue, contribution_margin, margin_of_safety]
  consumes: [context.scale, marketing.cac]
  deterministic: true
  cross_domain_relevance:
    strategy: high
    marketing: medium
    tax: medium
---

# Business Feasibility Study

A 5-aspect framework for assessing whether a new business is viable before funds are committed.

## Five Aspects
1. **Market**: size, segments, competitors, willingness-to-pay — primary validation (survey/pilot), not opinion.
2. **Technical**: production capacity, supply chain, workforce, technology — whether it can be executed.
3. **Financial**: initial investment, cash flow projections, payback, NPV/IRR (see capital-budgeting) — figures consistent across scenarios.
4. **Legal**: business permits (OSS), KBLI, certifications, taxation (NIB, NPWP, PPh final UMKM) — check the legal-id & tax-payroll-id plugins.
5. **Risk**: top 5 risks + mitigations; ±10% sensitivity test on price and volume.

## Rules
* All financial figures come from a single shared model (no floating numbers).
* Payback & NPV are computed with explicit assumptions (discount rate = simple WACC).
* Permits & compliance are not "later" items — they enter upfront costs & timeline.

## Scope & Safety
* **Use for**: go/no-go decisions, investor/bank presentations, prioritizing between business ideas.
* **Do not use for**: a guarantee of results — feasibility is an estimate, not a contract; include a disclaimer.
* Market data must be sourced (surveys, BPS, associations); do not fabricate figures.
* Legal feasibility requires an up-to-date check against OSS — verify at actual execution time.

## Worked Example
Input: coffee shop — investment 250 million (renovation 120 million, equipment 80 million, working capital 50 million); projected annual net profit ~72 million.
Output: Payback = 250 ÷ 72 ≈ **3.5 years**; at a 12% discount rate check NPV (capital-budgeting); market aspect: catchment ±5,000 workers, 3 competitors — validated with 100 respondents; legal: NIB + KBLI 56301; risk #1 location — mitigation: 3+2 year lease. Conclusion: feasible provided average volume is achieved.