Welcome to microLEAP. Would you like to Raise Funds or Become a P2P Investor?
NT-2009-00007

NT-2009-00007

i
MR6

Farah M , Food & Beverage

RM 23,000 for 36 month term. RM 23,000 funded 1 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?

I am the owner of Farah M Enterprise located at Pekan Pahang. I started my business on 12 July 2019. My business include selling foods and beverages. Apart from that, i also doing an online business which are selling furniture,cosmetic and Jewels. My main focus is on selling food and beverages such as traditional cuisine. Malaysian love traditional foods which have encourage me to take this oppurtunities to involve in selling traditional foods _________________________________________________________________________________ Saya pemilik Farah M Enterprise yang terletak di Pekan Pahang. Saya memulakan perniagaan pada 12 Julai 2019. Perniagaan saya merangkumi menjual makanan dan minuman. Selain itu, saya juga menjalankan perniagaan dalam talian yang menjual perabot, kosmetik dan barang perhiasan Emas . Fokus utama saya adalah menjual makanan dan minuman seperti masakan tradisional. Orang Malaysia menyukai makanan tradisional yang mendorong saya untuk mengambil peluang ini untuk menjual makanan tradisional

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

At first, my journey in business started as assisstant at food stall where i learned to manage on how to serve food with a unique element to meet customer satisfaction and indirectly promote my business to their family and friend. In addition, I also have been a stockist for an online business before which have help me to increase my knowledge on online business. During that time, I have learned on some business stratergies to gain profit and at the same time help my customer regarding payment method where they can pay for my product by installment. __________________________________________________________________________________ Pada mulanya, perjalanan saya dalam perniagaan bermula sebagai pembantu di gerai makanan di mana saya belajar menguruskan cara menghidangkan makanan dengan elemen unik untuk memenuhi kepuasan pelanggan dan secara tidak langsung mempromosikan perniagaan saya kepada keluarga dan rakan mereka. Di samping itu, saya juga pernah menjadi stokis untuk perniagaan dalam talian sebelum ini yang telah membantu saya untuk menambah pengetahuan mengenai perniagaan dalam talian. Pada masa itu, saya telah mempelajari beberapa strategi perniagaan untuk mendapatkan keuntungan dan pada masa yang sama membantu pelanggan saya mengenai kaedah pembayaran di mana mereka boleh membayar produk saya secara ansuran.

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

With the uniqueness of my recipe, I plan to make a brand for my cuisine in future to be known across Malaysia. If I get a bigger opportunities in this business, I will open branches across Malaysia where will provide more job opportunities for others. ________________________________________________________________________________ Dengan keunikan resipi saya, saya merancang untuk membuat jenama untuk masakan saya pada masa akan datang untuk dikenali di seluruh Malaysia. Sekiranya saya mendapat peluang lebih besar dalam perniagaan ini, saya akan membuka cawangan di seluruh Malaysia di mana akan memberikan lebih banyak peluang pekerjaan untuk orang lain.

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

Previously, my revenue was RM100,000 for 2019 and for the first 6 months of 2020 I made revenue of RM81,448. The profit for the first six month was very encouraging. As we concern, on early March 2020 we have to face a pandemic that cause losses to all business sector. In my point of view, I do not see this pandemic as an obstacles for me to running my business because I have another alternatives to survive during the period where I provide delivery services of my products to my customer. I also grab opportunities during that period which I pull more strategies by using online platform such as Telegram and WhatsApp to promote my business. ________________________________________________________________________________ Sebelum ini, pendapatan saya adalah RM100,000 untuk 2019 dan untuk 6 bulan pertama tahun 2020, saya memperoleh pendapatan sebanyak RM81,448. Keuntungan untuk enam bulan pertama sangat memberangsangkan. Seperti yang kita bimbangkan, pada awal Mac 2020 kita harus menghadapi wabak yang menyebabkan kerugian bagi semua sektor perniagaan. Pada pandangan saya, saya tidak melihat wabak ini sebagai halangan bagi saya menjalankan perniagaan kerana saya mempunyai alternatif lain untuk bertahan dalam tempoh di mana saya memberikan perkhidmatan penghantaran produk saya kepada pelanggan saya. Saya juga merebut peluang dalam tempoh tersebut yang mana saya menggunakan lebih banyak strategi dengan menggunakan platform dalam talian seperti Telegram dan WhatsApp untuk mempromosikan perniagaan saya.

Number of years in business? / Usia perniagaan?

I started my business on 12 July 2019. _________________________________________________________________________________ Saya memulakan perniagaan pada 12 Julai 2019.

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

If I am fortunate enough to get the fund from the investor, I wish to have a proper stall with complete machinery to increase productivity of my business. Furthermore, I also will provide more job oppurtunities to people with reasonable salaries especially in the current economies situation. I realised that if I have capital but do not have a proper management, a good team and knowledge about business it will not help me to expand my business. ____________________________________________________________________________________ Sekiranya saya bernasib baik untuk mendapatkan dana daripada pelabur, saya ingin mempunyai gerai dengan mesin yang lengkap untuk meningkatkan produktiviti perniagaan saya. Selain itu, saya juga akan memberi lebih banyak peluang pekerjaan kepada orang lain dan mempunyai gaji yang berpatutan terutama dalam keadaan ekonomi semasa. Saya menyedari bahawa jika saya mempunyai modal tetapi tidak mempunyai pengurusan yang betul, pasukan dan pengetahuan yang baik mengenai perniagaan tidak akan membantu saya mengembangkan perniagaan 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 'Good' by an external credit bureau with a Probability of Default (PD) score 5.9%. The Issuer has done well during lockdown / MCO as she diversified her business by selling online.The Issuer has another side online business (Whatapps and Telegram) selling online products such as furnitures, cosmetic and Jewels . The Issuer has no other borrowings and the Issuer has sufficient revenue to cover their monthly payments of RM897. 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 'Baik' oleh biro kredit luar dengan skor Kebarangkalian keingkaran (PD) 5.9%. Penerbit telah berjaya menjalankan perniagaan dengan baik semasa Perintah Kawalan Pergerakan (PKP) kerana dia mempelbagaikan perniagaannya dengan menjual secara dalam talian. Penerbit mempunyai perniagaan dalam talian lain (Whatapps dan Telegram) yang menjual produk dalam talian seperti perabot, kosmetik dan perhiasan emas. Penerbit tidak mempunyai pinjaman lain dan Penerbit mempunyai pendapatan yang mencukupi untuk menampung pembayaran bulanan mereka sebanyak RM897. Penarafan risiko adalah MR6 (Risiko Sederhana 6) dan oleh itu ia mempunyai Kadar Faedah sederhana tinggi dan Risiko Kelewatan sederhana tinggi.
Invest Now
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.
.

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.

View Funding List