A small food cart with an initial investment of TK. 25,000 can have a good scope in just any busy location. 4- Fresh Juice Kiosk: It's one of the low cost business idea that can be established within TK. However, success depends on the product you offer and you must have the business set up on right location. 5- Organic Food Production & Delivery: Since a large population in Dhaka is most concerned about their health, they love buying organic. If you own a small or large area for cultivation, or you can rent one, starting organic gardening is one of the profitable ideas. You can grow and deliver at doorstep for their best experience and your profits. 6- Small Bakery: Let it be a small town or a large metropolis, Bakery is bought everyday by people making it an evergreen business. You may find a lot of them already operating, however with a twist you can enter in the market and grab your share, by offering custom cakes, fast delivery, taking large orders, partnering with corporate for bulk orders and so on! 7- Home Cooked Food Delivered on Doorstep: Desiring for freshly cooked homemade food during lunchtime is common among working class and there's a large population in Bangladesh that would love the idea! 8- Catering Business: Let it be a business, religious or personal event, they all need the best catering. Starting one will surely need investment, but it's not that high! 9- Bed & Breakfast: If you are owner of a big property and have many extra rooms in your house then consider letting them out to the tourists. This will help you to earn quick cash for your unused space. This is more apt in case the property is located in cultural heritages lush landscapes, airport and places of tourist interests. 1-99 Gift Shop: Everyone loves to give and receive gifts but often budget constraints do not allow. With a budget gift shop you allow more people to enjoy the occasions and so you get more profits! 11- Tailoring: Though it's more of ladies tailoring, a huge male population also wants the services. Starting such a business with a partner whereby one is specialist in ladies tailoring while other is best at men's clothing can be profitable! 12- Photography & Videography: Showcase your photography skills with quick portfolio or do some voluntarily photography at various wedding and corporate events to get noticed. 13- Home Based Gym: If you've a spare room in your house and can invest in some machines, it's one profitable business idea, however your training shall be class apart. 14- Tutoring: Let it be tutoring primary classes or college students, the potential is always there if you are good at explaining the concepts! 15- Mobile Phones/Gadgets Repair: A large section of people who do not buy new device or gadget till the time they have a working device in their hand would love this service Though there're too many existing already, why not to promote your business online, get reviews and become an authentic repair company! Website Business: You can start a web development business. All you need is a desktop or a laptop and a quite place to unleash your creativity. Of course, you need to attain the necessary skills to be a web developer. It can be a very profitable business without investing much. 17- Tech/Gadgets Shop: There is a big market for tech and gadgets at every place throughout the world and thus opening a business which sells tech products is a smart choices. Irrespective of the type of business, it will require PCs and its accessories. 18- Online Retailing: Buying products from a wholesale market and then selling the same online is good money making proposition. You can take use of ads to find new customers. You just need to brainstorm what people may be looking for. 19- Webpreneur: Becoming one in a city like Dhaka is none too difficult, because it has all the technology and infrastructure to let you explore the web and build up your own empire online. Let it be a local information website, city deals website or just anything that creates value for locals or for a broader community, bring it on! 20- Software Firm: Dhaka is the most fertile ground for software companies to grow. If you're a good programmer and or have a couple of more experts with you, you can actually setup a fast growing software company in Bangladesh. 21- Small Scale Cloth Shop: People in Bangladesh do buy readymade clothes, but a huge population prefers buying the material to get it stitched according to their specifications. This is why the cloth shops are more popular than readymade garments. It can be quite profitable if you start small and target a specific economic group! 22- Readymade Garments: Well, this one will need a good investment to start, however, the profitability is in finding the cost effective supplier and cheap transportation. 23- Photo Copier: The service is much needed in the commercial hubs or else nearby educations institutes. And, all these places do have such services already, but still you can find some hotspots near public courts, government offices etc. 24- Computer Repairing Service: If you have knowledge and skill, you don't just need any investment, but yes do spend a little amount on getting your business card and start meeting more and more people who can be your potential customers! 25- Digital Studio: Though smartphone cameras do a lot, people prefer professional photographers to shoot their events. Much of households and businesses require services of a digital studio, and so it can be highly profitable if you have the skill. However, you need an initial investment of at least Tk. 100,000 to set up the computer, UPS, photo quality printer and of course a good digital camera. 26- Online Trading Business: You can buy long life items from wholesale and sell them online, i. jewelry, cosmetics, accessories, cloth materials, T shirts and whatever else you can find from your research on local market! 27- Blogging: All you need to have is good writing skills and subject knowledge and blogging can prove to be a great business. Though it suits almost everyone, stay at home mommies/housewives and students can make better use of it! The following are some examples of modern financial management theories formulated on principles considered as 'a set of fundamental tenets that form the basis for financial theory and decision-making in finance' (Emery et al. An attempt would be made to relate the principles behind these concepts to small businesses' financial management. Agency theory deals with the people who own a business enterprise and all others who have interests in it, for example managers, banks, creditors, family members, and employees. The agency theory postulates that the day to day running of a business enterprise is carried out by managers as agents who have been engaged by the owners of the business as principals who are also known as shareholders. The theory is on the notion of the principle of 'two-sided transactions' which holds that any financial transactions involve two parties, both acting in their own best interests, but with different expectations. Problems usually identified with agency theory may include: Information asymmetry- a situation in which agents have information on the financial circumstances and prospects of the enterprise that is not known to principals (Emery et al. For example 'The Business Roundtable' emphasised that in planning communications with shareholders and investors, companies should consider never misleading or misinforming stockholders about the corporation's operations or financial condition. In spite of this principle, there was lack of transparency from Enron's management leading to its collapse; Moral hazard-a situation in which agents deliberately take advantage of information asymmetry to redistribute wealth to themselves in an unseen manner which is ultimately to the detriment of principals. A case in point is the failure of the Board of directors of Enron's compensation committee to ask any question about the award of salaries, perks, annuities, life insurance and rewards to the executive members at a critical point in the life of Enron; with one executive on record to have received a share of ownership of a corporate jet as a reward and also a loan of $77m to the CEO even though the Sarbanes-Oxley Act in the US bans loans by companies to their executives; and Adverse selection-this concerns a situation in which agents misrepresent the skills or abilities they bring to an enterprise. As a result of that the principal's wealth is not maximised (Emery et al. In response to the inherent risk posed by agents' quest to make the most of their interests to the disadvantage of principals (i. all stakeholders), each stakeholder tries to increase the reward expected in return for participation in the enterprise. Creditors may increase the interest rates they get from the enterprise. Other responses are monitoring and bonding to improve principal's access to reliable information and devising means to find a common ground for agents and principals respectively. Emanating from the risks faced in agency theory, researchers on small business financial management contend that in many small enterprises the agency relationship between owners and managers may be absent because the owners are also managers; and that the predominantly nature of SMEs make the usual solutions to agency problems such as monitoring and bonding costly thereby increasing the cost of transactions between various stakeholders (Emery et al. Nevertheless, the theory provides useful knowledge into many matters in SMEs financial management and shows considerable avenues as to how SMEs financial management should be practiced and perceived. It also enables academic and practitioners to pursue strategies that could help sustain the growth of SMEs. Signaling theory rests on the transfer and interpretation of information at hand about a business enterprise to the capital market, and the impounding of the resulting perceptions into the terms on which finance is made available to the enterprise. In other words, flows of funds between an enterprise and the capital market are dependent on the flow of information between them. For example management's decision to make an acquisition or divest; repurchase outstanding shares; as well as decisions by outsiders like for example an institutional investor deciding to withhold a certain amount of equity or debt finance. The emerging evidence on the relevance of signaling theory to small enterprise financial management is mixed. Until recently, there has been no substantial and reliable empirical evidence that signaling theory accurately represents particular situations in SME financial management, or that it adds insights that are not provided by modern theory (Emery et al. Keasey et al(1992) writes that of the ability of small enterprises to signal their value to potential investors, only the signal of the disclosure of an earnings forecast were found to be positively and significantly related to enterprise value amongst the following: percentage of equity retained by owners, the net proceeds raised by an equity issue, the choice of financial advisor to an issue (presuming that a more reputable accountant, banker or auditor may cause greater faith to be placed in the prospectus for the float), and the level of under pricing of an issue.