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NT-2008-00005

NT-2008-00005

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MR7

Amirul Izzulis Ventures, 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?

The business is based in cyberjaya, providing web development and design services. We only have 1 main office at cyberjaya. _____________________________________________________________________________________ Perniagaan kami berpusat di Cyberjaya, menyediakan perkhidmatan membangunkan laman web dan perkhidmatan reka bentuk web. Kami mempunyai 1 pejabat utama di cyberjaya.

Who is the owner / key person(s) in the business? / Siapakah Pemilik Perniagaan ini?

This business is built on passion and based on experiences. From freelancing services now we have now grown to an enterprise business. We are planning to establish the business as a sdn bhd to enhance branding and go nationwide. _____________________________________________________________________________________ Perniagaan ini dibina berdasarkan minat dan pengalaman. Dari perkhidmatan sambilan, sekarang kami telah berkembang menjadi perniagaan perusahaan. Kami merancang untuk mewujudkan perniagaan ke sdn bhd untuk penjenamaan dan berkembang ke seluruh negara.

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

In the future, we are targeting to be the top services provider in Malaysia with at least 3 offices in the big cities like Penang, Kuala Lumpur, and Cyberjaya. We are targeting to hire more manpower so we can provide more services. ______________________________________________________________________________________ Di masa hadapan, kami menyasarkan untuk menjadi penyedia perkhidmatan yang terunggul di Malaysia dengan sekurang-kurangnya 3 pejabat di sebuah bandar besar seperti Pulau Pinang, Kuala Lumpur, dan Cyberjaya. Kami menyasarkan untuk mengambil lebih banyak tenaga kerja supaya kami dapat memberikan lebih banyak perkhidmatan.

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

Since establish till now we have a recurring payment by monthly and yearly. Our forecasted turnover sales every year is around 100k per years. ______________________________________________________________________________________ Sejak ditubuhkan hingga sekarang kami mempunyai pembayaran berulang setiap bulan dan tahunan. Dianggarkan jualan perolehan kami setiap tahun adalah sekitar 100k setiap tahun.

Number of years in business? / Usia perniagaan?

We have been doing freelancing web-design services since 2012 and we established as an enterprise in 2019. Since operations we already have almost 180 recurring customers who pay a minimum of RM 30 per month for our services. The business has a side-income of selling cookies, cakes and beverages to supplement their income during lockdown (MCO), which has done well and we will continue this. ______________________________________________________________________________________ Kami melakukan perkhidmatan sambilan dari tahun 2012 dan bertapak sebagai perusahaan pada tahun 2019. Sejak beroperasi, kami sudah mempunyai hampir 180 pelanggan yang membuat pembayaran berulang dari pakej yang terendah sebanyak RM 30 sebulan. Perniagaan ini mempunyai pendapatan sampingan menjual biskut, kek dan minuman untuk menambah pendapatan mereka semasa Perintah Kawalan Pergerakan (PKP), dan perniagaan telah mendapat sambutan yang baik dan kami akan meneruskannya.

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 use the fund for our new office, equipment and add more staff for operations _______________________________________________________________________________________ Kami akan menggunakan dana untuk kegunaan pejabat baru kami, peralatan dan menambah lebih banyak kakitangan untuk bahagian operasi.

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

The Issuer has a Guarantor for this financing. The business has a side-income of selling cookies, cakes and beverages to supplement their income during lockdown (MCO), which has done well and they will continue this. Their website business is back on track as lockdown slowly gets lifted and the outlooks positive. The risk is MR7 (Medium Risk 7) and so it has an upper-medium Interest Rate and has an upper-medium Risk of Default. The Issuer has no outstanding loans and has sufficient revenue to cover their monthly payments. _________________________________________________________________________________________ Penerbit mempunyai Penjamin untuk pembiayaan ini. Perniagaan ini mempunyai pendapatan sampingan menjual biskut, kek dan minuman untuk menambah pendapatan mereka semasa Perintah Kawalan Pergerakan (PKP), yang telah dilakukan dengan baik dan mereka akan meneruskannya. Perniagaan laman web mereka kembali berjalan lancar setelah PKP semakin baik dan prospeknya positif. Risikonya adalah MR7 (Risiko Sederhana 7) dan oleh itu ia mempunyai kadar faedah atas-menengah dan mempunyai Risiko Keingkaran-menengah atas. Penerbit tidak mempunyai pinjaman tertunggak dan mempunyai pendapatan yang mencukupi untuk menampung pembayaran bulanan mereka.
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Rate of Returns
14.8% 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.
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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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