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NT-2008-00006

NT-2008-00006

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MR6

BEAUTYLICIOUS RESOURCES, E-commerce

RM 10,000 for 36 month term. RM 10,000 funded 8 Days Left

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?

This business is selling beauty products for women and internal health products. Products such as maternity sets, traditional corset, skincare, and female supplements. Products are sold online, on Shopee and Facebook; and offline, in stalls at marketplaces. ________________________________________________________________________________________ Perniagaan ini menjual produk kecantikan untuk wanita dan produk kesihatan dalaman. Produk seperti set bersalin, korset tradisional, penjagaan kulit, dan makanan tambahan wanita. Produk dijual dalam talian, di Shopee dan Facebook; dan gerai di pasar.

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

The owner has 4 years experience in the field of cosmetics with regular customers. The owner started the business from dropship with a profit of RM1 and now has successfully increased her stocks. ________________________________________________________________________________________ Pemilik perniagaan ini mempunyai pengalaman selama 4 tahun dalam bidang kosmetik dan mempunyai pelanggan tetap. Pemiliknya memulakan perniagaan dari dropship dengan keuntungan RM1 dan kini berjaya menambah stoknya.

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

We want to expand the business by setting up a many more dropship under us so that customers can enjoy and get personal care at an affordable price. We want to be able to open a store for stockists so that it is easy to collect stock in addition can help them earn more money. ________________________________________________________________________________________ Kami ingin mengembangkan perniagaan melalui “dropship” di bawah kami supaya pelanggan dapat menikmati dan mendapatkan rawatan peribadi dengan harga yang berpatutan. Kami juga ingin membuka kedai untuk stokis supaya mudah mengumpulkan stok di samping dapat membantu mereka memperolehi wang sampingan.

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, with RM63,000 to RM79,000 yearly revenue. We are doing well for our business. ________________________________________________________________________________________ Perkembangan awal perniagaan ini sejak dibuka hingga sekarang adalah positif, dengan pendapatan RM63,000 hingga RM79,000 setiap tahun. Kami menjalankan perniagaan dengan baik.

Number of years in business? / Usia perniagaan?

4 years ___________________________________________________________________________ 4 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 want to buy more stock and improve business as a result of the covid-19. Apart from that, we want to help women after childbirth to get good health. In addition, we would like to expand our business in this field. ________________________________________________________________________________________ Kami ingin membeli lebih banyak stock dan memperbaiki perniagaan akibat dari pandemik covid-19. Selain dari itu, kami ingin membantu ramai wanita selepas bersalin untuk mendapatkan kesihatan yang baik. Di samping itu kami ingin memperluaskan lagi perniagaan di dalam bidang ini.

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

The Issuer has a Guarantor for this financing. The business has several side-incomes, including food, such as nasi lemak, mee goreng, etc to supplement her income during lockdown (MCO), which has helped and she will continue this. The risk-rating is MR6 (Medium Risk 6) and so it has a medium-high Interest Rate and has a medium-high Risk of Default. The Issuer has sufficient revenue to cover their monthly payments. ________________________________________________________________________________________ Penerbit mempunyai seorang Penjamin untuk pembiayaan ini. Perniagaan ini mempunyai beberapa pendapatan sampingan termasuk makanan, seperti nasi lemak, mee goreng, dan lain-lain untuk menambah pendapatannya semasa Perintah Kawalan Pergerakan (PKP) yang dapat membantu beliau dan meneruskan perniagaan ini selepas PKP. Risiko yang diperolehi adalah MR6 (Risiko Sederhana 6) dan mempunyai Kadar Faedah sederhana tinggi dan risiko lalai sederhana tinggi. Penerbit mempunyai pendapatan yang mencukupi untuk menampung pembayaran bulanan mereka.
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Rate of Returns
13.5% p.a
Total Gross Return on Investment
-

Funded Note

Credit Ratings
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.

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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