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NT-2003-00001

NT-2003-00001

i
MR4

LUX MAN ENTERPRISE, E-commerce

RM 6,000 for 36 month term. RM 6,000 funded 2 Days Left

100 % Funded

Who is the Issuer and what does the business do? / Siapakah Issuer dan apakah perniagaan yang diceburi?

Lux Man Enterprise is based in Kuantan, Pahang and we are an online distributor for Agromas, Chocotainer and variety of Halal Products. We are focused on selling Halal products on E-Commerce platform such as Shopee and Lazada under the brand 'The Halal District'. ___________________________________________________________________________________ Lux Man Enterprise beroperasi di Kuantan, Pahang. Kami adalah pengedar dalam talian (Online) untuk Produk Agromas, Chocotainer dan pelbagai Produk Halal. Kami memfokuskan penjualan produk Halal di platform E-Dagang seperti Shopee dan Lazada di bawah jenama “The Halal District”.

Who is the owner / key person(s) in the business? / Siapakah pemilik / tunggak utama di dalam perniagaan?

This business is run by the founder himself and he has 3 years experience in the Logistics field before jumping into E-Commerce business. ___________________________________________________________________________________ Perniagaan ini dijalankan oleh pengasasnya sendiri dan beliau memiliki 3 tahun pengalaman dalam bidang logistik sebelum menceburi bidang perniagaaan E-Dagang.

What are their future plans? / Apakah rancangan masa depan perniagaan mereka?

We want to expand our business to next level by entering our neighbouring country such as Indonesia , Brunei and Singapore through an E-Commerce platform. ___________________________________________________________________________________ Kami ingin mengembangkan lagi perniagaan ke tahap seterusnya dengan melebarkan sayap kami ke negara jiran seperti Indonesia, Brunei, dan Singapura melalui platform E-Dagang.

What has been their annual sales turnover? / Bagaimanakah hasil jualan tahunan mereka?

In 2019 our revenue is RM30k and our sale start to pickup at the end of the year as we start aggressively promote our business. In early 2020, we managed to reach RM10k sale on January and RM8k on February. We confident this year our company will reach Rm100k to Rm120k sales per year and the business netting about 20% of gross profit. ___________________________________________________________________________________ Pada tahun 2019, keuntungan kami mencecah RM30 ribu dan jualan meningkat naik menjelang penghujung tahun disebabkan promosi secara aggresif oleh kami. Awal tahun 2020, kami berupaya mencapai keuntungan mencecah RM10 ribu bagi bulan Januari dan RM8 ribu lagi bagi bulan Februari. Kami yakin pada tahun ini, perniagaan kami akan mencecah keuntungan RM100 ribu hingga RM120 ribu untuk jualan setahun dan mecapai kadar keuntungan sebanyak 20%.

Number of years in business? / Usia perniagaan?

This is the second year in E-Commerce. ___________________________________________________________________________________ Ini merupakan tahun kedua kami dalam bidang E-Dagang.

How would the Issuer utilise the funds raised on the platform? / Apakah yang kami akan lakukan dengan wang yang dikumpul di platfrom ini?

Funds raised will be used to buy more stock in order to meet our clients demand. We also will use portion of this fund to promote our business in a variety of social media to capture more potential customers and make our brand stronger. ___________________________________________________________________________________ Wang yang dikumpul akan digunakan untuk membeli stok untuk memenuhi permintaan pelanggan. Sebahagiannya akan digunakan untuk mempromosi perniagaan kami dalam pelbagai platfrom media sosial. Kesannya, kami dapat menjana lebih ramai pelanggan dan ianya juga dapat memperkasakan lagi jenama kami.

The rationale behind the Issuer's Credit Risk Score - microLEAP's Comments / Rasional Skor Risiko Kredit bagi Issuer – Komen microLEAP

There is one Guarantor for this financing. Issuer has an MR4 (Medium Risk 4) rating and so it has a medium-strong credit quality and medium-low risk of default. The funds raised is manageable for this Issuer and the Issuer currently does not have any outstanding debt; and has a sufficient revenue to cover their monthly repayments. ___________________________________________________________________________________ Terdapat satu penjamin untuk pembiayaan ini. Issuer memperolehi rating MR4 (Risiko Sederhana 4) dan mempunyai kualiti kredit sederhana dan risiko kemungkiran yang rendah-sederhana. Pembiayaan yang dikumpul boleh diuruskan dengan baik oleh Issuer dan buat masa ini, Issuer juga tidak mempunyai sebarang hutang yang tertunggak. Beliau juga mempunyai keuntungan yang memadai untuk membayar balik pembiayaan secara bulanan.
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Rate of Returns
11.5% p.a
Total Gross Return on Investment
-


Terms & Conditions Apply

Credit Ratings
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.
.

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.
.

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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