Welcome to microLEAP. Would you like to Raise Funds or Become a P2P Investor?
NT-2007-00005

NT-2007-00005

i
MR5

Fiqa beauty, Services

RM 20,000 for 36 month term. RM 20,000 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?

Fiqa Beauty was established in 2016. We provide salon and beauty services. We focus on service in stores located in Bachok, Kelantan. ________________________________________________________________________________________ Fiqa Beauty ditubuhkan pada tahun 2016 dan kami menyediakan service salun dan perkhidmatan kecantikan.kami menumpukan pada perkhidmatan di kedai yang terletak di daerah Bachok,Kelantan.

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 is an experienced beautician. She started this business because of her interest in this field. Her services were well renowned in the area. She has also created a line of beauty products that she sells online to support her business. ________________________________________________________________________________________ Pengasas Perniagaan telah berkhidmat dalam bidang kecantikan.Beliau memulakan perniagaan perniagaan ini kerana mempunyai minat yang mendalam dalam bidang kecantikan. Perkhidmatan beliau diterima baik di kawasan tersebut. Dia juga mempunyai produk kecantikan yang dijual secara dalam talian untuk membantu perniagaannya.

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

We are planning to open new branches in other areas as well. We want this business to be known by the people of Kelantan as well as other areas. ________________________________________________________________________________________ Kami merancang untuk membuka cawangan baru dikawasan lain juga.Kami ingin perniagaan ini dikenali oleh rakyat Kelantan dan juga kawasan lain.

What has been their annual sales trend? / Bagaimanakah hasil trend penjualan tahunan mereka?

The initial growth of this business since its opening until now is positive. We are doing well for a small shop and our revenue is on an upward trend. ________________________________________________________________________________________ Perkembangan awal perniagaan ini sejak dibuka hingga sekarang adalah positif. Kami telah menjalankan perniagaan kecil ini dengan baik dan keuntungan jualan kami di tahap yang memberangsangkan.

Number of years in business? / Usia perniagaan?

The business has been running for 3 years plus ________________________________________________________________________________________ Perniagaan ini berjalan selama 3 tahun lebih

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

I will use the funds raised to buy more inventory. This is due to very high demand from customers. ________________________________________________________________________________________ Pihak saya akan menggunakan dana yang diperoleh untuk membeli dan menambah stok.Ini kerana permintaan stock dari pelanggan yang sangat tinggi.

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 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 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.
Invest Now
Rate of Returns
12.5% 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.
.

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