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NT-2008-00002

NT-2008-00002

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MR5

DKAWI CHOCOLATE, Food & Beverage

RM 15,000 for 36 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 yang dijalankan Penerbit?

We run an Agro-Tourism business in the Langkawi, where we bring tourists to have first-hand experience in making and tasting chocolates at our factory. ________________________________________________________________________________________ Kami menjalankan perniagaan Agro-Pelancongan di Langkawi, di mana kami membawa pelancong untuk mendapat pengalaman secara langsung dalam membuat dan mencuba coklat di kilang kami.

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?

With more than 10 years of experience between within my family and myself in the Cocoa industry. We’re now opening another branch in Langkawi with a clear vision of teaching the benefits of Malaysian Coco through our agro-tourism initiatives. ________________________________________________________________________________________ Perniagaan ini adalah turun temurun daripada keluarga saya yang lebih daripada 10 tahun hingga kini dalam industri Koko. Kami kini membuka satu lagi cawangan di Langkawi dengan visi yang jelas untuk mengajar manfaat Koko yang terdapat di Malaysia melalui inisiatif agro-pelancongan kami.

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

Agro-tourism business will be our focus for the future, where our tourists will be exposed to the process of making chocolate live and in turn we can sell our Malaysian Coco products directly to them. ________________________________________________________________________________________ Perniagaan pelancongan agro akan menjadi tumpuan untuk masa hadapan, di mana pelancong kita akan didedahkan dengan proses membuat coklat secara langsung dan seterusnya kita dapat menjual produk Koko Malaysia kepada mereka.

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

This business is on a positive trend given Langkawi is an attractive tourist destination for both local and international travellers. Case example, our sales reach thousands of ringgit In a day during the recent school holidays. ________________________________________________________________________________________ Perniagaan ini berada dalam arah positif memandangkan Langkawi adalah destinasi pelancongan yang menarik bagi pelancong tempatan dan antarabangsa. Contohnya, penjualan kami mencecah ribuan ringgit dalam sehari semasa cuti sekolah baru-baru ini.

Number of years in business? / Usia perniagaan?

Almost 2 years ________________________________________________________________________________________ Hampir 2 tahun

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

We will buy new small machinery equipment for the purpose of our live-demonstrations on how to make chocolate, as well as to supplement our current chocolate production process, to tourists. ________________________________________________________________________________________ Kami akan membeli peralatan mesin baru untuk tujuan demonstrasi secara langsung mengenai cara membuat coklat, dan proses pengeluaran coklat kepada pelancong.

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
13% 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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