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NT-2009-00003

NT-2009-00003

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MR6

M&J Event Management, Services

RM 30,000 for 36 month term. RM 30,000 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?

We assist our client to manage their event for example exhibition, wedding event, birthday event, fb live etc. Currently mostly our client is base in Klang Valley . My client mostly from referral from my existing clients and friends. During MCO ((Movement Control Order), I also get client from FB lead. I found that I can expand my business through online product launches and offering digital marketing services. ________________________________________________________________________________________ Kami membantu pelanggan kami untuk menguruskan Majlis seperti pameran, perkahwinan, sambutan ulang tahun, live fb dan lain-lain. Ketika ini kebanyakan pelanggan kami berpusat di Lembah Klang. Kebanyakannya melalui rujukan dari pelanggan dan rakan kami. Semasa PKP (Perintah Kawalan Pergerakan), kami berhasil mendapatkan pelanggan melalui FB. Kami mendapati bahawa perniagaan kami melalui pelancaran produk dalam talian dan menawarkan perkhidmatan pemasaran digital.

Who is the owner / key person(s) in the business? / Siapakah pemilik / tunggak utama perniagaan ini?

5 staff in my company. most of them having around 4 years experiences in this industry. Also our teams have handled more than 100 projects. our staff are all young and energetic people always bring us more creative idea in handling project. ________________________________________________________________________________________ Kami mempunyai 5 kakitangan didalam syarikat. Kebanyakan mereka mempunyai pengalaman sekitar 4 tahun dalam industri ini. Pasukan kami juga mengendalikan lebih daripada 100 projek. Semua kakitangan kami terdiri daripada belia yang bertenaga selalu memberikan idea yang lebih kreatif dalam mengendalikan projek.

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

We plan to invest in mobile apps for application development in industry. this will help us to open another chapter in our business. The concept is to generate more loyalty clients. ________________________________________________________________________________________ Kami merancang untuk melabur dalam aplikasi mudah alih untuk pengembangan aplikasi di industri. Ini akan membantu kami didalam perniagaan ini. Konsepnya adalah untuk menghasilkan lebih ramai pelanggan yang setia.

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

Last year (2019) annual sales turnover is around 159k. This year (2020) annual sales turnover till Jul 2020 is around 700k ________________________________________________________________________________________ Perolehan jualan tahunan tahun lalu (2019) adalah sekitar 159k. Perolehan jualan tahunan tahun ini (2020) hingga Jul 2020 adalah sekitar 700k

Number of years in business? / Usia perniagaan?

1 year and 2 months ________________________________________________________________________________________ 1 tahun 2 bulan

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

This fund mainly for application development and business expansion. we will use fund basically for 2 parts usage. For apps develop is to assist our client to promote their products more efficiently and also can get them become as our loyalty clients. However, due to building up an app need take sometime. Therefore, 2nd usage will to do fb or social media business advertisement to boost up our sales. ________________________________________________________________________________________ Dana ini adalah untuk mengembangkan aplikasi dalam talian dan perniagaan. Kami akan menggunakan dana ini untuk 2 kegunaan. Pertama, untuk aplikasi yang dibangunkan adalah bagi membantu pelanggan kami mempromosikan produk mereka dengan lebih berkesan dan juga dapat menjadikannya sebagai pelanggan setia kami. Yang ke-2 kami akan membuat iklan perniagaan media sosial atau sosial untuk meningkatkan penjualan kami.

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

The Issuer has a Guarantor for this financing. The Issuer has started to assist companies doing online and offline product launches and they have provided digital marketing for their clients. This has been successful during MCO. The risk is MR6 (Medium Risk 6) 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. Penerbit telah mula membantu syarikat melakukan pelancaran produk dalam talian dan jualan secara langsung. Mereka telah menyediakan pemasaran digital untuk pelanggan mereka. Ini berjaya semasa PKP. Risikonya adalah MR6 (Risiko Sederhana 6) dan dengan itu mempunyai kualiti kredit sederhana dan risiko keingkaran. Penerbit tidak mempunyai pinjaman tertunggak dan mempunyai pendapatan yang mencukupi untuk menampung pembayaran bulanannya.
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Rate of Returns
13.3% 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.
.

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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