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NT-2009-00005

NT-2009-00005

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MR6

Ibu Anak Lima Mini Market, Retail

RM 11,000 for 30 month term. RM 11,000 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?

I am the Sole Proprietorship owner for Ibu Anak Lima Mini Market that runs a grocery business for daily necessities at home such as dry food items, snacks for children and many other food items that buyers need for daily use. For now, I am only having one branch based in the area that I live which is the district of Jerantut, Pahang. I hope that one day I can expand my grocery sales business more widely and become a successful business. _______________________________________________________________________________________ Saya sebagai Pemilik Pemilikan Tunggal kepada Perniagaan Ibu Anak Lima Mini Market yang menjalani perniagaan jualan barangan runcit untuk kegunaan keperluan harian di rumah seperti barangan makanan kering , makanan ringan untuk kanak-kanak dan bermacam barangan makanan lain yang diperlukan pembeli untuk kegunaan harian di dapur mereka . Buat masa sekarang, saya hanya ada 1 cawangan sahaja di kawasan tempat tinggal iaitu di daerah Jerantut, Pahang. Saya berharap suatu hari nanti saya dapat memperluaskan Perniagaan jualan barangan runcit saya dan bertambah maju lagi .

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

I am the sole owner of this business and assisted by my wife to manage the retail sales business in my shop which she gives a lot of support to my business as well. ________________________________________________________________________________________ Saya adalah pemilik sepenuhnya untuk perniagaan ini, serta dibantu oleh isteri saya untuk menguruskan perniagaan jualan runcit di kedai dan beliau juga banyak memberi dukungan dan sokongan kepada perniagaan saya juga.

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

I hope with the funds from microLEAP, we can buy more stock for our retail business. We hope to expand my business to the next level and add more branches. ______________________________________________________________________________________ Saya berharap dengan dana dari microLEAP, saya dapat menambah stok barangan runcit saya. Kami berharap dapat memperkembangkan lagi bisnes jualan perniagaan saya ke arah yang lebih maju lagi dan berharap dapat menambah kan lagi cawangan di tempat lain.

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

In terms of grocery sales in my shop, the response was very good, although there is a slight increase in sales (revenue) generated RM31,000 in the year 2020 until August. With the funds given, I hope I can add more stock so that I can earn a better income. ____________________________________________________________________________________ Dari segi hasil jualan barangan runcit di kedai saya amat baik sekali sambutan nya walaupon peningkatan hasil jualan meningkat sedikit demi sedikit hasil perolehahannya sebanyak RM31,000 pada tahun 2020 ini , dengan dana diberi saya berharap saya dapat menambah stok yang lebih banyak lagi supaya dapat memperolehi keuntungan pendapatan yang lebih baik lagi daripada biasa.

Number of years in business? / Usia perniagaan?

I have started my business operations for almost 1 year, even though my SSM registration has only been registered for 9 months. _____________________________________________________________________________________ Saya telah memulakan operasi perniagaan saya ini hampir 1 tahun lebih , walaupun pendaftaran SSM saya baru didaftarkan 9 bulan.

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

With the funds given I hope to add more stock so that we can increase our sales revenue and earn more profit than usual. In addition, I want to renovate my store to look even better and comfortable for customers who visit my store. _____________________________________________________________________________________ Dengan dana diberi saya berharap dapat menambahkan lebih banyak lagi stok barangan jualan saya . Dan serba sedikit dapat menambah pendapatan jualan yang lebih baik lagi dan meraih pendapatan keuntungan yang lebih daripada biasa dari hasil jualan. Disamping itu saya ingin membaik pulih kedai saya agar nampak lebih baik lagi untuk keselesaan pelanggan yang mengunjungi di kedai saya

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

The Issuer has a Personal Guarantor for this financing and the Guarantor is rated 'Fair' by an external credit bureau. The Issuer has another side income business which is as barber for the community in his village. The Issuer has no other borrowings and his monthly commitment to microLEAP is RM486 a month. The Issuer has sufficient revenue to cover their monthly payments. 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. ____________________________________________________________________________________ Penerbit mempunyai Penjamin Peribadi untuk pembiayaan ini dan Penjamin dinilai 'Fair' oleh Agensi kredit. Penerbit mempunyai perniagaan pendapatan sampingan yang lain sebagai tukang gunting rambut untuk masyarakat di kampungnya. Penerbit tidak mempunyai pinjaman lain dan komitmen bulanannya untuk microLEAP adalah RM486 sebulan. Penerbit mempunyai pendapatan yang mencukupi untuk menampung pembayaran bulanan mereka. Penarafan risiko adalah MR6 (Risiko Sederhana 6) dan oleh itu ia mempunyai Kadar Faedah sederhana tinggi dan Risiko lalai sederhana tinggi.
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Rate of Returns
13.1% 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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