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NT-2008-00004

NT-2008-00004

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MR5

Spicy Pasta , Food & Beverage

RM 50,000 for 36 month term. RM 50,000 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?

The Issuer is Spicy Pasta. Our core business is F&B, catering and also take-aways. ________________________________________________________________________________________ Penerbitnya adalah Spicy Pasta. Perniagaan utama kami adalah F&B, katering dan “take-aways”.

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?

Najee Ramli was a chef for 10 years in various hotels and restaurants. Before going into business , he used to run many big restaurants and brands before deciding to venture into his own business. He also used to run a few small food businesses like kiosks and stalls before opening Spicy Pasta. ________________________________________________________________________________________ Mohamed Najee bin Ramli adalah seorang Cef di Hotel dan Restoran yang berpengalaman selama 10 tahun. Sebelum menceburkan diri dalam perniagaan, beliau pernah berkerja di restoran yang besar sebelum memutuskan untuk menceburkan diri dalam perniagaannya sendiri. Dia juga pernah menjalankan beberapa perniagaan makanan kecil seperti kios dan gerai sebelum membuka Spicy Pasta.

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

We would like to expand our central kitchen and open a few more shops before heading into manufacturing ________________________________________________________________________________________ Kami ingin meluaskan dapur utama dan menambah bilangan kedai sebelum memasuki bidang pembuatan.

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

Increasing slowly since 2018. So far we have remained steady. We have also increased our sales during this MCO Period via our own shop delivery as well as our online sales, such as GrabFood and FoodPanda. ________________________________________________________________________________________ Peningkatan positif sejak tahun 2018. Sehingga kini perniagaan kami masih beroperasi dengan baik. Kami juga telah meningkatkan penjualan kami dalam Tempoh MCO ini melalui penghantaran kedai kami sendiri dan juga penjualan dalam talian, seperti GrabFood dan FoodPanda.

Number of years in business? / Usia perniagaan?

Spicy Pasta has been running for 2 and a half years ________________________________________________________________________________________ Spicy Pasta telah berniaga selama 2 tahun setengah.

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 use it for expansion of our central kitchen as well as consideration for a new outlet in Petaling Jaya. ________________________________________________________________________________________ Kami ingin memperluaskan dapur utama kami dan juga bercita-cita untuk menambah cawangan di sekitar Petaling Jaya.

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 mempunyai 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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