Medium Risk 5
This Investment Note pays a medium Interest Rate and has a medium Risk of Default.
It has a medium Credit Quality due to average cashflow and average Debt Service Ratio.
NT-1909-00002
c
MR5
Trendy Bag, Retail,
RM 10,000 for 36 month term. RM 10,000 funded
Who is the Issuer and what does the business do?
Saya pemilik Trendy Bag.Trendy Bag adalah merupakan butik yang menjual bag tangan secara online dan offline (kedai). Beroperasi di Ipoh Perak, dan kini sudah beroperasi hampir 2 tahun.
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I'm the owner of Trendy Bag. Trendy Bag is a boutique which sell handbags via online and offline (physical store). We are based in Ipoh, Perak, and we have been in operation for almost 2 years.
Who is the owner / key person(s) in the business?
Syarikat Trendy Bag yang dulunya hanya menjalankan perniagaan secara online bermula pada tahun 2012,kini mula membuka perniagaan secara offline (kedai) pada tahun 2018.Syarikat ini diuruskan sendiri oleh saya yang merupakan pemilik syarikat, dan dibantu oleh suami.
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Previously, Trendy Bag's company had run an online business starting in 2012, but we opened an offline (physical store) business in 2018. The company is run by myself, the owner of the company, and assisted by my husband.
What are their future plans?
Perancangan saya untuk 3 tahun akan datang adalah ingin mengeluarkan jenama sendiri dan mula menempatkan jenama saya di pusat membeli belah seperti SOGO. Ini kerana jumlah pengunjung dan permintaan yang sangat tinggi.
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My plan for the next 3 years is to launch my own brand and start entering my own product brand in shopping malls such as SOGO. This is because of the high number of visitors and demand.
What has been their annual sales turnover?
Kami telah menjalankan perniagaan kecil ini dengan baik dan keuntungan jualan kami di tahap yang memberangsangkan.
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We are doing well for a small shop and our revenue is on an upward trend.
Number of years in business?
2 Tahun
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2 Years
How would the Issuer utilise the funds raised on the platform?
Pihak saya akan mengunakan dana yang diperolehi untuk membeli dan menambah stok. Ini kerana permintaan stok dari pelanggan yang sangat tinggi.
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I will use the funds raised to buy more inventory. This is due to very high demand from customers.
The rationale behind the Issuer's Credit Risk Score - microLEAP's Comments
The Issuer has an MR5 (Medium Risk 5) rating and so it has a medium credit quality and medium risk of default. The Issuer has no outstanding loans and has a good debt service ratio, however the Issuer does have two 'Trade References'.
Credit Ratings
MR5
LR1
Low Risk 1
This Investment Note pays the lowest Interest Rate and has the lowest Risk of Default.
It has the strongest Credit Quality due to very high cashflow and very low Debt Service Ratio.
LR2
Low Risk 2
This Investment Note pays a lower Interest Rate and has a lower Risk of Default.
It has a stronger Credit Quality due to high cashflow and low Debt Service Ratio.
LR3
Low Risk 3
This Investment Note pays a low Interest Rate and has a low Risk of Default.
It has a strong Credit Quality due to good cashflow and good Debt Service Ratio.
MR4
Medium Risk 4
This Investment Note pays a medium-low Interest Rate and has a medium-low Risk of Default.
It has a medium-strong Credit Quality due to average to good cashflow and average to good Debt Service Ratio.
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MR5
Medium Risk 5
This Investment Note pays a medium Interest Rate and has a medium Risk of Default.
It has a medium Credit Quality due to average cashflow and average Debt Service Ratio.
MR6
Medium Risk 6
This Investment Note pays a medium-high Interest Rate and has a medium-high Risk of Default.
It has a medium-weak Credit Quality due to below average cashflow and above average Debt Service Ratio.
MR7
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.
HR8
High Risk 8
This Investment Note pays a high Interest Rate and has a high Risk of Default.
It has a weak Credit Quality due to low cashflow and high Debt Service Ratio.
HR9
High Risk 9
This Investment Note pays a higher Interest Rate and has a higher Risk of Default.
It has a weaker Credit Quality due to lower cashflow and higher Debt Service Ratio.
HR10
High Risk 10
This Investment Note pays the highest Interest Rate and has the highest Risk of Default.
It has the weakest Credit Quality due to very low cashflow and very unhealthy Debt Service Ratio.
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