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NT-2009-00001

NT-2009-00001

i
MR4

Sign In Marketing, Retail

RM 50,000 for 24 month term. RM 24,240 funded 17 Days Left

48 % 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 Sign in Marketing. Issuer is currently in the IT/Telecommunication industry, by having a retail shop in on of Kuantan's largest marketplace for IT/Telecommunication products. Issuer is selling hand phone accessories, providing repair and maintenance services, as well as provide internet-line packages for their registered panel telco-companies ________________________________________________________________________________________ Penerbit ini adalah Sign In Marketing. Penerbit kini berada didalam industri IT / Telekomunikasi, dengan memiliki sebuah kedai di pasaraya terbesar Kuantan untuk produk IT / Telekomunikasi. Penerbit menjual aksesori telefon bimbit, menyediakan perkhidmatan pembaikan dan penyelenggaraan, serta menyediakan pakej talian internet untuk syarikat telco panel berdaftar mereka

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

The owner of this company has been engaged in this industry for more than 8 years. From his humble beginning on his prime years in this industry, worked his way up and now, is one of the largest retail shops in Kuantan Parade, with plenty of customer base. ________________________________________________________________________________________ Pemilik syarikat ini telah menceburkan diri dalam industri ini selama lebih dari 8 tahun. Sejak awalnya di industri ini, perniagaan ini maju dan sekarang mempunyai salah satu kedai terbesar di Kuantan Parade, dengan pelanggan tetap.

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

Sign in Marketing is going to expand their business by opening more branches and also, the money raised is going to help us fund our new plans for online marketing and also online sales. ________________________________________________________________________________________ Sign in Marketing akan mengembangkan perniagaan mereka dengan membuka lebih banyak cabang dan juga wang yang diperolehi akan membantu kami membiayai rancangan baru kami untuk pemasaran dalam talian dan juga penjualan dalam talian.

What has been their annual sales turnover? / Bagaimanakah hasil jualan tahunan?

Comparing with our 2019 annual sales the sales in 2020 has suffered a minor drop in 2020. However, we believe that with the funds provided by the platform, we can engage in more business and this will definitely increase our chances to end our financial year 2020 with our targeted sales. ________________________________________________________________________________________ Berbanding dengan penjualan tahunan 2019 kami, penjualan pada tahun 2020 mengalami penurunan kecil pada tahun 2020. Walau bagaimanapun, kami percaya bahawa dengan dana yang disediakan oleh platform, kami dapat melibatkan diri dalam lebih banyak perniagaan dan ini pasti akan meningkatkan peluang kami untuk mengakhiri tahun kewangan kami 2020 dengan jualan sasaran kami.

Number of years in business? / Usia perniagaan?

Our company was incorporated in Feb 2017 ________________________________________________________________________________________ Syarikat kami ditubuhkan pada Februari 2017

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

The funds raised from this platform will be used to fund our business plan, which is to engage into the online market, to source for more sales. ________________________________________________________________________________________ Dana yang diperoleh dari platform ini akan digunakan untuk membiayai rancangan perniagaan kami, iaitu untuk melibatkan diri dalam pasaran dalam talian, untuk mendapatkan lebih banyak penjualan.

The rationale behind the Issuer's Credit Risk Score - microLEAP's Comments / Rasional Skor Risiko Kredit bagi Penerbit– Komen microLEAP

Issuer has an MR4 (Medium Risk 4) rating and the owner is the guarantor for the financing. The Guarantor's I-score is 7 ('Good' credit score) with a Probability of Default of 3.7% according to an external credit bureau. This Investment Note has a medium-strong credit quality and medium-low risk of default. The funds raised is manageable for this Issuer and the Issuer has sufficient revenue to cover his monthly payments. ________________________________________________________________________________________ Penerbit mempunyai penilaian MR4 (Risiko Sederhana 4) dan pemiliknya adalah penjamin pembiayaan. I-Skor Penjamin adalah 7 (skor kredit Baik) dengan Kebarangkalian Keingkaran 3.7% merujuk Biro Kredit. Nota Pelaburan ini mempunyai kualiti kredit sederhana-kuat dan risiko keingkaran sederhana-rendah. Dana yang dikumpulkan dikendalikan oleh Penerbit ini dan Penerbit mempunyai pendapatan yang mencukupi untuk menampung pembayaran bulanannya.
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Rate of Returns
11.7% p.a
Total Gross Return on Investment
-


Terms & Conditions Apply

Credit Ratings
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.
.

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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