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NT-2011-00005

NT-2011-00005

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MR7

JMZN Maju, Food & Beverage

RM 10,000 for 36 month term. RM 10,000 funded 18 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 diceburi mereka?

I am Juraimizan, the owner of JMZN Maju Enterprise and I am a government retiree who runs a Breakfast business such as Nasi Lemak and Kuih Muih with the concept of 'Food Truck'. ___________________________________________________________________________________ Saya Mohd Juraimizan bin Mohd Gurimi pemilik kepada JMZN Maju Ent adalah seorang pesara kerajaan yang menjalankan perniagaan Sarapan Pagi seperti Nasi Lemak dan Kuih Muih berkonsepkan 'Food Truck'.

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

I started this business in Jan 2020 after I finished my service in the government sector. With the compensation given to me by the government, I bought a truck in cash and started a business. I also have 2 employees who help me to run the business. At first my business was quite impressive but after what was happen to our country (Covid 19), business has slowed down, but still sustainable. ____________________________________________________________________________________ Saya memulakan perniagaan ini pada Jan 2020 setelah saya menamatkan perkhidmatan dalam sektor kerajaan. Dengan imbuhan yang diberikan oleh kerajaan kepada saya, saya telah membeli sebuah lori 'FoodTruck' secara tunai dan memulakan perniagaan. Saya juga mempunyai 2 org pekerja yang membantu. Pada mulanya perniagaan saya agak memberansangkan namun setelah apa yang melanda dinegara kita (Covid 19), perniagaan agak perlahan, tetapi masih berterusan dan stabil.

What are their future plans? / Apakah pelan masa depan mereka?

I am planning to expand my business by adding food menus and lunch dishes. ______________________________________________________________________________________ Saya sedang merancang untuk kembangkan perniagaan saya dengan menambah menu dan hidangan makan tengahari.

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

The initial growth of this business since its opening until now is positive. I am doing well for my business and our revenue is on an upward trend and my sales hit RM53,255 from January 2020 until September 2020. ______________________________________________________________________________________ Pertumbuhan awal perniagaan ini sejak dibuka hingga sekarang adalah positif. Saya menjalankan perniagaan dengan baik dan pendapatan kami meningkat dan penjualan saya mencecah RM53,255 dari January 2020 hingga Sepetember 2020.

Number of years in business? / Usia perniagaan?

I started this business in January 2020, it’s been 11 months. _______________________________________________________________________________________ Saya telah memulakan perniagaan ini pada January 2020 ini bermakna sudah 11 bulan.

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

I will use the funds to expand my business by adding food menus and lunch dishes. This is due to the demand from my customers and to ensure this business can generate maximum income. ______________________________________________________________________________________ Saya akan menggunakan dana untuk mengembangkan perniagaan saya dengan menambah menu dan hidangan makan tengahari. Ini kerana permintaan dari pelanggan dan bagi memastikan perniagaan ini dapat menjana pendapatan yang lebih maksimum.

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 'Good' by an external credit bureau with a Probability of Default (PD) score of 2.5% - 5%. Though his business has slowed down, he is mobile with his food truck and able to move premises where there is more business. The Issuer has sufficient revenue to cover its monthly payments of RM394 a month and this is supported by his monthly pension he receives. The credit risk is MR7 (Medium Risk 7) and so it has an upper-medium Interest Rate and has an upper-medium Risk of Default. _____________________________________________________________________________________ Penerbit mempunyai Penjamin untuk pembiayaan ini dan Penjamin dinilai 'Good' oleh biro kredit luaran dengan skor Kebarangkalian Keingkaran (PD) 2.5% hingga 5%. Walaupun perniagaan agak perlahan, dia mudah bergerak dengan trak makanannya dan dapat bergerak ke premis di mana terdapat lebih banyak perniagaan. Penerbit mempunyai pendapatan yang mencukupi untuk menampung pembayaran bulanannya sebanyak RM394 sebulan dan disokong oleh pencen bulanan yang diterimanya. Risikonya adalah MR7 (Risiko Sederhana 7) dan oleh itu ia mempunyai Kadar Faedah atas-menengah dan mempunyai Risiko keingkaran menengah-atas.
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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.
.

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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