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NT-2009-00009

NT-2009-00009

i
MR7

AR Shopline, Retail

RM 20,000 for 36 month term. RM 20,000 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 owner of AR SHOPLINE selling children's clothes, adult clothes, cosmetics, health products and scarves. I opened a shop in Jitra, Kedah. I have both online and offline customers. For now, we only have 1 branch. InsyaAllah I will add more products in my shop. __________________________________________________________________________________ Saya pemilik AR SHOPLINE menjual baju kanak-kanak, baju dewasa, barang kosmetik, produk kesihatan dan tudung. Saya membuka kedai Di jitra kedah. Saya juga ada pelanggan online dan juga offline. Buat masa sekarang, kami cuma ada 1 cawangan sahaja. InsyaAllah saya akan tambah lagi pelbagai produk di dalam kedai saya.

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

I am a shop owner and have 2 employees, I have business experience for more than a year. Before having a shop, I only had one employee and Alhamdulillah after opening the shop, I was able to hire 2 employees. I love doing business. At first I only became a dropship and with the profit, I started taking more stock. Alhamdulillah reached the target and now I can open my own shop. __________________________________________________________________________________ Saya adalah pemilik kedai dan mempunyai 2 org pekerja, pengalaman berniaga lebih dari setahun, sebelum mempunyai kedai, saya cuma ada seorang sahaja pekerja dan Alhamdulillah selepas membuka kedai, saya mampu mengambil 2 orang pekerja. Saya suka meniaga. Mula2 saya cuma menjadi dropship sahaja dan dengan untung dropship tu saya sudah mula mengambil stok sedikit demi sedikit. Alhamdulillah sampai target dan saya boleh membuka kedai sendiri.

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

My plan for the next 2 to 3 years Insyaallah I will be able to expand my business. If there is more sustenance Insyaallah I will open another 1 more branch. ___________________________________________________________________________________ Rancangan saya untuk 2 hingga 3 tahun akan datang Insyaallah saya akan boleh mengembangkan lagi perniagaan saya. Jika ada rezeki lebih Insyaallah saya akan membuka 1 lagi cawangan.

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

For the last 3 years, I was a dropship and selling products such as shoes, clothes, and cosmetics in Shopee. For the year 2019, my revenue was RM10,500 from month July until December 2019. For the first 8 months of 2020 I made revenue of RM30,150. I have saved and used dropship profit money and profit in Shopee to grow my business. Until now, even though I have a store, I still have income with dropship Business. ____________________________________________________________________________________ 3 tahun yang lalu saya hanya sebagai dropship dan menjual barang jualan seperti kasut, baju dan kosmetik di Shopee. Pada tahun 2019, keuntungan perniagaan saya ialah RM10,500 untuk jualan dari bulan July hingga December 2019. Untuk 8 bulan pertama bagi tahun 2020, saya telah memperoleh keuntungan sebanyak RM30,150. Saya telah menyimpan dan mengunakan duit keuntungan dropship dan jualan di Shopee untuk kembangkan lagi perniagaan saya ini. Sampai sekarang walaupun dah ada kedai saya masih mempunyai pendapatan dengan dropship.

Number of years in business? / Usia perniagaan?

The business has been registered for 1 year doing mainly online business and 3 months ago we opened our own physical shop. 3 years Before, I only did dropship business selling shoes, shirts, cosmetics in Shopee. ______________________________________________________________________________ Perniagaan ini telah didaftarkan selama 1 tahun, menjalankan perniagaan dalam talian dan 3 bulan yang lalu kami telah membuka kedai kami sendiri. 3 tahun Sebelum ni saya hanya buat dropship menjual kasut, baju, kosmetik dan menjual di Shopee.

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

I would like to use microLEAP fund to add more stock and in-store items so that more customers will come to my store. I also want to renovate the store to look more attractive to customers. I also want to hire more staff because the more items in my store Insyaallah customers will also increase. _______________________________________________________________________________ Saya ingin menggunakan dana microLEAP Ini untuk menambah lagi stok dan barang-barang di dalam kedai supaya lebih banyak pilihan pelanggan yang datang kedai saya. Saya juga ingin mengubah suai kedai supaya nampak lebih menarik perhatian pelanggan untuk masuk ke kedai saya. Saya juga ingin menambah staf lagi kerana semakin banyak barang di dalam kedai saya Insyaallah pelanggan akan menjadi bertambah ramai.

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

The Issuer has a Guarantor for this financing and the Guarantor is rated 'Fair' by an external credit bureau with a Probability of Default (PD) score of 9.6% . The Issuer has no other borrowings and the Issuer has sufficient revenue to cover its monthly payments of RM788 a month. The risk is MR7 (Medium Risk 7) and so it has an upper-medium Interest Rate and has an upper-medium Risk of Default. Issuer has been running mainly a cash-based business, hence Issuer's has an MR7 rating. _________________________________________________________________________________ Penerbit mempunyai Penjamin untuk pembiayaan ini dan Penjamin dinilai 'Fair' oleh biro kredit luaran dengan skor Kebarangkalian Keingkaran (PD) 9.6%. Penerbit tidak mempunyai pinjaman lain dan Penerbit mempunyai pendapatan yang mencukupi untuk menampung pembayaran bulanannya sebanyak RM788 sebulan. Risikonya adalah MR7 (Risiko Sederhana 7) dan oleh itu ia mempunyai Kadar Faedah atas-menengah dan mempunyai Risiko keingkaran menengah-atas. Issuer telah menjalankan perniagaan berasaskan tunai, oleh itu Issuer mempunyai penilaian MR7.
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Rate of Returns
14% p.a
Total Gross Return on Investment
-

Funded Note

Credit Ratings
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.

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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