Welcome to microLEAP. Would you like to Raise Funds or Become a P2P Investor?
NT-2006-00001

NT-2006-00001

i
MR4

DANISHA HOMEMADE COOKIES & CAKES , Food & Beverage

RM 40,000 for 36 month term. RM 40,000 funded

100 % 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 yang dijalankan Penerbit?

Our business is a Bakery which is in food industry and based in Johor Bahru town . We started an online business from home for one year until we decided to open a small shop at Taman Suria, Johor Bahru, opened since 2012. Most of our customer are local and also Singaporean. For the first year we only sold Birthday Cakes and towards the end of the year we added more products such as pastry, breads , dessert, wedding cakes and our customers suggested that we expand into cake and party planning. Our Bakery provides freshly prepared cakes and pastry products all the time during business operation. Products are made on the day to assure fresh goods are always available and fulfill delivery orders for our customers during these times. ________________________________________________________________________________________ Perniagaan kami adalah Kedai Bakeri yang berada di industri makanan dan berpusat di bandar Johor Bahru. Kami memulakan perniagaan dalam talian dari rumah selama satu tahun sehingga kami memutuskan untuk membuka sebuah kedai kecil di Taman Suria, Johor Bahru, yang dibuka sejak tahun 2012. Sebilangan besar pelanggan kami adalah warga tempatan dan juga warga Singapura. Untuk tahun pertama, kami hanya menjual Kek Hari Jadi dan menjelang akhir tahun kami menambah lebih banyak produk seperti pastri, roti, pencuci mulut, kek perkahwinan. Pelanggan kami juga mencadangkan agar kami mengembangkan perniagaan kami kepada perancangan majlis dan pembuatan kek. Bakeri kami sentiasa menyediakan kek dan pastri yang segar dari ketuhar untuk menjamin kesegaran produk kami, serta memenuhi pesanan penghantaran untuk pelanggan setekat ini.

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

Madam Raden Norashekeen is the founder who has been in the baking line for about 14 years. She learned baking with taking some baking classes to improve the skill of baking some of the tastiest cakes.The bakery is the only business that she had since 2012 . She started business because she has a passion for baking cakes. After a few years, customers starts to noticed her baking skills and she got good feedback from them. ________________________________________________________________________________________ Puan Raden Norashekeen adalah pengasas yang telah berkhidmat dalam bidang pembuatan kek dan pastri lebih kurang 14 tahun. Beliau belajar membuat roti dengan mengikuti beberapa kelas bekeri untuk meningkatkan kemahiran membuat kek yang enak. Kedai roti adalah satu-satunya perniagaan yang dimiliki sejak 2012. Dia memulakan perniagaan kerana mempunyai minat yang mendalam dalam bidang pembuatan kek dan pastri. Setelah beberapa tahun, pelanggan mula menyedari kemahirannya dan dia mendapat maklum balas yang baik dari mereka.

What are their future plans? / Apakah pelan masa depan perniagaan ini?

The Company seeks to expand businesses by opening more outlets from bakery to cafe. Our vision is to have a cafe with a "Sushi Concept". Customer just sit, chill and relax while all cakes, desserts, and pastries are moving around the serving table. Just choose and pick whatever they like. ________________________________________________________________________________________ Kami berusaha untuk mengembangkan perniagaan dengan membuka lebih banyak gerai bermula dari kedai roti kepada kafe. Visi kami adalah untuk memiliki kafe dengan "Sushi Concept". Pelanggan hanya duduk, bersantai dan berehat sementara semua kek, pencuci mulut, dan pastri bergerak di sekitar meja hidangan. Hanya pilih dan ambil apa sahaja yang mereka suka.

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

The initial growth of the bakery from the time of opening till now is positive. The bakery has a lot of storefront customers as well as delivery orders and many catering opportunities. ________________________________________________________________________________________ Perkembangan awal kedai roti sejak dibuka hingga sekarang adalah positif. Kami mempunyai banyak pelanggan di kedai dan juga menerima tempahan katering. Kami juga menerima pesanan untuk penghantaran kepada pelanggan.

Number of years in business? / Usia perniagaan?

8 years since 2012. ________________________________________________________________________________________ 8 tahun sejak 2012

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

We want to buy more stock in ingredients, some baking machines , and upgrade new look for bakery. ________________________________________________________________________________________ Kami ingin membeli lebih banyak stok ramuan, beberapa mesin penaik, dan menaik taraf kedai roti.

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

Issuer has an MR4 (Medium Risk 4) rating and the owner is the personal guarantor for the financing. This Investment Note 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. ________________________________________________________________________________________ Penerbit memperolehi rating MR4 (Risiko Sederhana 4) dan pemilik adalah penjamin peribadi untuk pembiayaan. Nota Pelaburan ini mempunyai kualiti kredit dan risiko keingkaran sederhana rendah. Dana yang diperolehi dapat diguna pakai untuk Penerbit. Penerbit pada masa ini tidak mempunyai hutang tertunggak; dan mempunyai pendapatan yang mencukupi untuk menampung pembayaran bulanan mereka.
Invest Now
Rate of Returns
11% p.a
Total Gross Return on Investment
-

Funded Note

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.

View Funding List