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NT-2007-00003

NT-2007-00003

i
MR5

NORTH SILKSCREEN ENTERPRISE, Services

RM 15,000 for 24 month term. RM 15,000 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 diceburi mereka?

North Silkscreen Enterprise was established in 2018 and we are providing large amount of T-Shirts and Jerseys with printing service. We're focusing on both walk-in and online selling. Our business located in Kangar, Perlis. ________________________________________________________________________________________ North Silkscreen Enterprise ditubuhkan pada tahun 2018 dan kami menyediakan sejumlah besar T-Shirt dan Jersi dengan perkhidmatan percetakan. Kami menumpukan pada penjualan di kedai dan penjualan dalam talian. Perniagaan kami terletak di Kangar, Perlis.

Who is the owner / key person(s) in the business? / Siapakah Pemilik / Tunggak Utama perniagaan?

The owner/key person in the business is Mr.Haizar. He is dedicated, hardworking, assertive and cares about his employees. We have 4 staff for 2 years and we're growing together for the future. ________________________________________________________________________________________ Pemilik / tunggak utama dalam perniagaan ini adalah En.Haizar. Dia berdedikasi, rajin, tegas dan sangat mengambil berat terhadap pekerjanya. Kami mempunyai 4 kakitangan yang sudah menjangkau 2 tahun bersama dan kami berkembang bersama untuk masa depan.

What are their future plans? / Apakah pelan masa depan mereka?

We are planning to open 2 more businesses in south and east of Malaysia as we already established the business in the north. And our business name might be changed according to it like North Silkscreen, South Silkscreen and East Silkscreen Enterprise. ________________________________________________________________________________________ Kami merancang untuk membuka 2 lagi cawangan perniagaan di selatan dan timur Malaysia kerana kami telah berjaya menubuhkan perniagaan di utara. Nama perniagaan kami mungkin berubah mengikut tempat iaitu North Silkscreen, South Silkscreen dan East Silkscreen.

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

For the first 2 years we making 150-200k per year and we hope it will improve from year to year as we are dedicated to the business and we will promote our business by implement our marketing strategies. ________________________________________________________________________________________ Untuk 2 tahun pertama, kami menghasilkan 150-200k setahun dan kami berharap ia akan bertambah dari tahun ke tahun kerana ketika ini kami sangat berdedikasi untuk perniagaan ini dan kami akan mempromosikan perniagaan kami dengan menerapkan strategi pemasaran kami.

Number of years in business? / Usia perniagaan?

The business ran for 3 years and we will maintain and improving our business for years to come. ________________________________________________________________________________________ Perniagaan ini berjalan selama 3 tahun dan kami akan mengekalkan dan meningkatkan perniagaan kami untuk tahun-tahun akan datang.

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

We would buy some other machines for the printing production side. By adding the facilities, we guarantee for the best quality and productivity in our products and services. ________________________________________________________________________________________ Kami akan membeli beberapa buah mesin lain untuk bahagian pengeluaran percetakan. Dengan menambahkan peralatan, kami menjamin kualiti dan produktiviti terbaik dalam produk dan perkhidmatan kami.

The rationale behind the Issuer's Credit Risk Score - microLEAP's Comments

The Issuer has a Guarantor for this financing. The risk is MR5 (Medium Risk 5) and so it has a medium credit quality and medium risk of default. The Issuer has no outstanding loans and has sufficient revenue to cover his monthly payments. The Issuer has a Probability of Default (PD) of 2.7% according to an external credit rating agency. ________________________________________________________________________________________ Penerbit ini mumpunyai seorang penjamin untuk pembiayaan ini. Risiko yang diperolehi ialah MR5 (Risiko Sederhana 5) .Oleh itu ianya mempunyai kualiti kredit sederhana dan risiko keingkaran sederhana. Penerbit tidak mempunyai pinjaman tertunggak dan mempunyai pendapatan yang mencukupi untuk menampung pembayaran bulanan mereka. Penerbit mempunyai Kebarangkalian Ingkar ('Probability of Default' / 'PD') sebanyak 2.7% menurut agensi penarafan kredit luar.
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Rate of Returns
12% p.a
Total Gross Return on Investment
-

Funded Note

Credit Ratings
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.

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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