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NT-2007-00004

NT-2007-00004

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MR5

Mikaysha Enterprise, Food & Beverage

RM 19,000 for 24 month term. RM 19,000 funded

100 % Funded

Is this a Shariah-compliant Investment Note? Adakah ianya Nota Pelaburan patuh Syariah?

Yes, It Is Shariah Compliant Note ______________________________________________________________________________________ Ya, ini adalah Nota patuh syariah

Who is the Issuer and what does the business do?

The business is based in Sri Damansara,we manufacture frozen products such as smoked beef,smoked chicken,cooking paste for local distribution as well as online platforms,currently we are expanding to a new manufacturing facility to increase production and sales _______________________________________________________________________________ Perniagaan kami berpusat di Sri Damansara. Kami membuat produk frozen seperti daging salai, ayam panggang, rempah masakan untuk pengagihan tempatan dan juga platform dalam talian. Sekarang kami ingin memperluaskan kemudahan pembuatan baru untuk meningkatkan pengeluaran dan jualan

Please provide us the background / experience of the owner /key person (s) in the business? / Berikan kepada kami latar belakang / pengalaman pemilik / orang penting dalam perniagaan?

The business’s founder has 3 years' experience in e-commerce (online), while the manufacturing is done by her family run business, whom themselves have 15 years of manufacturing and production experience. Our company head of operations is an experienced manager, and she is in charge of the day to day operations as well as our bookkeeping. __________________________________________________________________________________ Pengasas Perniagaan mempunyai pengalaman selama 3 tahun dalam e-dagang (dalam talian), sementara bahagian pembuatan bagi perniagaan ini dikendalikan oleh keluarganya, di mana mereka mempunyai pengalaman pembuatan dan pengeluaran selama 15 tahun. Ketua operasi perniagaan kami adalah pengurus yang berpengalaman, dan beliau mengendalikan bahagian operasi dan perakaunan kami.

What are their future plans?

Future plans include having a brick and mortar outlet as well as increasing market penetration by increased promotion as well as introducing more products on the market and having a certified halal manufacturing facility _________________________________________________________________________________ Pelan masa hadapan termasuk memiliki kedai untuk meningkatkan penembusan pasaran dengan meningkatkan promosi supaya produk lebih dikenali di pasaran dan memiliki sijil halal yang disahkan

What has been their annual sales turnover?

Previous year 2019 our sales turnover was RM130,000.00 with a profit of RM50,000.00 _________________________________________________________________________________ Perolehan jualan kami pada tahun lepas 2019 ialah RM130,000.00 dengan keuntungan RM50,000.00

Number of years in business?

The business has been ongoing for 2 years . But registration of SSM is 1 year 4 months _________________________________________________________________________________ Perniagaan kami telah beroperasi selama 2 tahun. Tetapi pendaftaran dengan SSM adalah 1 tahun 4 bulan

How would the Issuer utilise the funds raised on the platform?

Fund received from microLEAP will be utilized to acquire more equipments i.e freezer, chiller and as working capital to fund our consignment segment __________________________________________________________________________________ Dana diterima dari microLEAP akan digunakan untuk membeli peralatan seperti peti ais dan sebagai modal kerja dan dana untuk segmen pengiriman 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. _______________________________________________________________________________________ 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.
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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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