Medium Risk 7
This Investment Note pays an upper-medium Interest Rate and has an upper-medium Risk of Default.
It has a lower-medium Credit Quality due to average to low cashflow and average to high Debt Service Ratio.
Smart E Life Solutions , Engineering & Construction,
RM 50,000 for 18 month term. RM 50,000 funded
Is this a Shariah-compliant Investment Note? / Adakah ianya Nota Pelaburan patuh Syariah?
Yes/Ya
Who is the Issuer and what does the business do? / Siapakah Penerbit dan apakah perniagaan diceburi mereka?
Our company offers services in Electrical Engineering, focusing on lightning and electromagnetic risk management. Originally known as E Life Solutions, we changed our name to Smart E Life Solutions in 2016. Over the past 7 years, we've gained valuable experience in providing lightning and electromagnetic risk management services and have successfully served PETRONAS in more than 30 projects.
We're proud to announce that we've recently been awarded a long-term contract by PETRONAS to carry out lightning and electromagnetic risk management activities in both onshore and offshore facilities.
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Syarikat kami menawarkan perkhidmatan dalam Kejuruteraan Elektrik, memberi tumpuan kepada pengurusan risiko kilat dan elektromagnet. Pada asalnya dikenali sebagai E Life Solutions, kami menukar nama kami kepada Smart E Life Solutions pada 2016. Sepanjang 7 tahun yang lalu, kami telah memperoleh pengalaman berharga dalam menyediakan perkhidmatan pengurusan risiko kilat dan elektromagnet serta telah berjaya memberi perkhidmatan kepada PETRONAS dalam lebih daripada 30 projek.
Kami berbesar hati untuk mengumumkan bahawa kami baru-baru ini telah dianugerahkan kontrak jangka panjang oleh PETRONAS untuk menjalankan aktiviti pengurusan risiko kilat dan elektromagnet di kedua-dua kemudahan darat dan luar pesisir.
Who is the owner / key person(s) in the business? / Siapakah Pemilik Perniagaan ini?
The company is own by myself and i'm having a background in Electrical Engineering and have work with electromagnetic risk management since 2016. In addition i have also completed my master study and currently pursuing post doctorate degree in similar area to improve my competency.
Our main senior consultant have more than 20 years of experience in the area of electrical engineering and specialist in management of lightning and electromagnetic. Our others senior consultant and consultant is from Universiti Teknologi Malaysia and they have vast experience in the electrical engineering work scope specifically lightning risk management.
Our core staff consist of 6 man teams and we do have external team that assist us in the certain process in our work deliverable.
In the beginning, we started off as bridging the expertise in the university to meet the demands from the industry and until now, by doing so, we have also unlocked great graduate talent from university that we trained and polished and our focus have been more than just delivering the services but more towards to ensure the protection for our client people, asset and organization from the risk of lightning & electromagnetic.
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Syarikat ini adalah milik saya sendiri dan saya mempunyai latar belakang dalam Kejuruteraan Elektrik dan telah bekerja dengan pengurusan risiko elektromagnet sejak 2016. Di samping itu, saya juga telah menamatkan pengajian sarjana saya dan sedang mengikuti pengajian peringkat ijazah kedoktoran dalam bidang yang sama untuk meningkatkan kecekapan saya.
Perunding kanan utama kami mempunyai lebih daripada 20 tahun pengalaman dalam bidang kejuruteraan elektrik dan pakar dalam pengurusan kilat dan elektromagnet. Perunding kanan dan perunding kami yang lain adalah dari Universiti Teknologi Malaysia dan mereka mempunyai pengalaman luas dalam skop kerja kejuruteraan elektrik khususnya pengurusan risiko kilat.
Kakitangan teras kami terdiri daripada 6 pasukan lelaki dan kami mempunyai pasukan luaran yang membantu kami dalam proses tertentu dalam penghantaran kerja kami.
Pada mulanya, kami bermula sebagai merapatkan kepakaran di universiti untuk memenuhi permintaan daripada industri dan sehingga kini, dengan berbuat demikian, kami juga telah membuka bakat siswazah yang hebat dari universiti yang kami latih dan gilap dan tumpuan kami telah lebih daripada hanya menyampaikan perkhidmatan tetapi lebih kepada memastikan perlindungan untuk kakitangan, aset dan organisasi pelanggan kami daripada risiko kilat & elektromagnet.
What are their future plans? / Apakah pelan masa depan mereka?
We have currently actively expanding our services to other oil & gas industry key player where recently we have been invited to conduct training to PERTAMINA (Indonesia main Oil & gas company) to introduce our service to them.
Apart from that, we also putting certain percentage of our profit on the development of a product that will support and improved our service delivery output quality and differentiate us from our competitors.
We plan to expand our team and getting more client int the future which involved not only oil & gas industry but also electricity, energy, communication, railway and smart development infrastructure.
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Kami kini sedang giat mengembangkan perkhidmatan kami kepada pemain utama industri minyak & gas yang lain di mana baru-baru ini kami telah dijemput untuk menjalankan latihan kepada PERTAMINA (syarikat Minyak & gas utama Indonesia) untuk memperkenalkan perkhidmatan kami kepada mereka.
Selain itu, kami juga meletakkan peratusan tertentu keuntungan kami ke atas pembangunan produk yang akan menyokong dan menambah baik kualiti output penyampaian perkhidmatan kami dan membezakan kami daripada pesaing kami.
Kami merancang untuk mengembangkan pasukan kami dan mendapatkan lebih ramai pelanggan di masa hadapan yang melibatkan bukan sahaja industri minyak & gas tetapi juga elektrik, tenaga, komunikasi, kereta api dan infrastruktur pembangunan pintar.
What has been their annual sales turnover? / Bagaimanakah hasil jualan tahunan?
The current company has only completed one financial year 2023 (FYE) with an annual sales turnover of RM895,000 and a profit of RM138,290.65.
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Syarikat kami baru sahaja menyelesaikan satu tahun kewangan 2023 (FYE) dengan perolehan jualan tahunan RM895,000 dan keuntungan RM138,290.65.
Number of years in business? / Usia perniagaan?
6 years for the LLP company
1 1/2 years for the Sdn Bhd company
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6 tahun untuk syarikat LLP
1 1/2 tahun untuk syarikat Sdn Bhd
How would the Issuer utilise the funds raised on the platform? / Apakah yang kami akan lakukan dengan wang yang dikumpul di platfrom ini?
The fund will be used to purchase the machinery & device that we use during our site measurement activity. We are currently expanding the measurement team into two parallel and requires special funding to upgrade the existing equipment we have and adding the new set for the new team.
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Dana akan digunakan untuk membeli mesin & peranti yang kami gunakan semasa aktiviti pengukuran tapak kami. Kami sedang mengembangkan pasukan pengukuran kepada dua selari dan memerlukan pembiayaan khas untuk menaik taraf peralatan sedia ada yang kami ada dan menambah set baharu untuk pasukan baharu.
The rationale behind the Issuer's Credit Risk Score - microLEAP's Comments / Rasional Skor Risiko Kredit bagi Penerbit– Komen microLEAP
Please download the Factsheet in this Investment Note for more information.
This is the 1st Financing Investment Note hosted by the Issuer on microLEAP's Platform.
The Issuer has sufficient revenue to manage its payment to microLEAP. We have Standing Instructions (SI) in place to ensure prompt payment of the profit and principal into our Trust account.
As rated by Experian, the Guarantor is rated as 6 (Fair) with a PD of >5%-10% and the 2nd Guarantor is rated 6 (Fair) with a PD of >5%-10%.
This Investment Note has an MR7 (Medium Risk 7) rating and so it has a Lower Medium Credit Quality and an Upper Medium Risk of Default.
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Sila muat turun Lembaran Fakta dalam Nota Pelaburan ini untuk maklumat lanjut.
Ini ialah Nota Pelaburan Pembiayaan pertama yang dihoskan oleh Pengeluar pada Platform microLEAP.
Penerbit mempunyai hasil yang mencukupi untuk mengurus pembayarannya kepada microLEAP. Kami mempunyai Arahan Tetap (SI) untuk memastikan pembayaran segera keuntungan dan prinsipal ke dalam akaun Amanah kami.
Seperti yang dinilai oleh Experian, Penjamin dinilai sebagai 6 (Adil) dengan PD >5%-10% dan Penjamin Kedua diberi penarafan 6 (Adil) dengan PD >5%-10%.
Nota Pelaburan ini mempunyai penarafan MR7 (Risiko Sederhana 7) dan oleh itu ia mempunyai Kualiti Kredit Sederhana Rendah dan Risiko Sederhana Atas Kelalaian.
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