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NT-2008-00003

NT-2008-00003

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MR7

Bunpah Lima Beradik , Food & Beverage

RM 15,500 for 24 month term. RM 15,500 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 have run this family F&B business for 30 years. As the manager I seek to improve the business so that it will be more well known. We're focusing on Food and Beverage for walk-in as well as online sales, such as GrabFood and FoodPanda. Our business is located in Johor. ________________________________________________________________________________________ Menjalankan perniagaan keluarga berasaskan makanan dan minuman yang telah beroperasi selama 30 tahun. Saya sebagai pengurus akan menambah baik perniagaan menjadikan perniagaan ini di kenali ramai. Kami menumpukan pada penjualan makanan dan minuman di kedai dan penjualan dalam talian seperti GrabFood dan FoodPanda. Perniagaan kami terletak di Johor.

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?

This is a family business with more than 30 years of experience. We focus on in-store business but we also look to improve & expand our menu items as well as services online, such as to receive orders from GrabFood and FoodPanda customers. ________________________________________________________________________________________ Ini adalah perniagaan keluarga dengan pengalaman lebih dari 30 tahun. Kami memberi tumpuan kepada perniagaan di kedai tetapi kami juga berusaha untuk memperbaiki & memperbanyakan menu, serta perkhidmatan dalam talian, seperti untuk menerima pesanan dari pelanggan GrabFood dan FoodPanda.

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

We plan to open another branch so that people know Bunpah Lima Beradik is a well-known food and beverage business in Johor. ________________________________________________________________________________________ Kami merancang untuk membuka lagi cawangan lain supaya orang ramai mengenali Bunpah Lima Beradik adalah perniagaan makanan dan minuman yang terkenal di negeri Johor.

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 our business. After MCO sales are higher than before, especially after we went on Grab and FoodPanda. ________________________________________________________________________________________ Perkembangan awal perniagaan ini sejak dibuka hingga kini adalah positif. Kami menjalankan perniagaan dengan baik dan pendapatan kami berada pada tahap yang memberangsangkan. Selepas PKP penjualan lebih tinggi berbanding sebelumnya, terutamanya setelah kami menggunakan Grab dan FoodPanda.

Number of years in business? / Usia perniagaan?

The business has been running for 30 years but we incorporated as an Enterprise for just over 1 year 3 months ________________________________________________________________________________________ Perniagaan ini telah berjalan selama 30 tahun tetapi kami berdaftar sebagai Perniagaan selama lebih dari 1 tahun 3 bulan

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 for our expanded menu, which includes Laksa Johor, ABC, Fresh Fruit Juice among others, as well as upgrade new look for our new shop to be more customer-friendly. ________________________________________________________________________________________ Kami ingin membeli lebih banyak stok untuk menu kami, iaitu termasuk Laksa Johor, ABC, Jus Buah Segar, dan juga meningkatkan penampilan baru agar kedai baru kami akan menjadi lebih mesra-pelanggan.

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

The Issuer has a Guarantor for this financing. The risk is MR7 (Medium Risk 7) and so it has an upper-medium Interest Rate and has an upper-medium Risk of Default. Issuer has been running mainly a cash-based business, hence Issuer's has an MR7 rating. The Issuer has no outstanding loans and has sufficient revenue to cover their monthly payments. ________________________________________________________________________________________ Penerbit mempunyai Penjamin untuk pembiayaan ini. Risikonya adalah MR7 (Risiko Sederhana 7) dan oleh itu ia mempunyai Kadar Faedah atas-menengah dan mempunyai Risiko Keingkaran menengah-atas. Penerbit telah menjalankan perniagaan berasaskan wang tunai. Oleh itu, ini dapat dilihat dalam penilaian MR7 Penerbit. Penerbit tidak mempunyai pinjaman tertunggak dan mempunyai pendapatan yang mencukupi untuk menampung pembayaran bulanannya.
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Rate of Returns
14% p.a
Total Gross Return on Investment
-

Funded Note

Credit Ratings
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.

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.

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