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NT-2012-00003

NT-2012-00003

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MR6

Wanzar Group, Retail

RM 50,000 for 36 month term. RM 50,000 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 are a fashion company established from May 2016. WANZAR headquarters is located in Subang Jaya Selangor. We also have 3 physical boutique which are Kuala Terengganu, Johor Bahru and Putra Heights. WANZAR was founded by Zarin and Izwan in 2016. With limited capital as started, WANZAR began with a small collection of Baju Kurung for Hari Raya 2016. Our customer based 100% through online. Since that, we managed to generate more capital for WANZAR. We opened our very first kiosk in Giant Putra Heights for walk-in customers. We focus on women clothing and currently also for men. We are planning to broaden our product with new kids collection for Raya Collection 2021. From there, we experimented with variety of design to understand customer demand and direction. We get tremendous support for every collections we launched. All the process from designing and style research until end product has been done here. For your information, we are currently investing to buy new textile printing machine for printing our own design for the next collection. ________________________________________________________________________________________ Kami adalah syarikat fesyen yang ditubuhkan mulai Mei 2016. Ibu pejabat WANZAR terletak di Subang Jaya Selangor. Kami juga mempunyai 3 butik fizikal yang terletak di Kuala Terengganu, Johor Bahru dan Putra Heights. WANZAR ditubuhkan oleh Zarin dan Izwan pada tahun 2016. Dengan modal terhad seperti yang dimulakan, WANZAR bermula dengan koleksi kecil Baju Kurung untuk Hari Raya 2016. Pelanggan kami berpusat 100% melalui dalam talian. Sejak itu, kami berjaya menjana lebih banyak modal untuk WANZAR. Kami membuka kiosk pertama di Giant Putra Heights untuk pelanggan masuk. Kami memberi tumpuan kepada pakaian wanita dan pada masa ini juga untuk pakaian lelaki. Kami merancang untuk memperluas produk kami dengan koleksi kanak-kanak untuk Raya 2021. Dari sana, kami bereksperimen dengan pelbagai reka bentuk untuk memahami permintaan dan arahan pelanggan. Kami mendapat sokongan luar biasa untuk setiap koleksi yang kami lancarkan. Semua proses dari reka bentuk dan penyelidikan gaya hingga produk akhir telah dilakukan di sini. Untuk makluman anda, kami sedang melabur untuk membeli mesin percetakan tekstil baru untuk mencetak rekaan kami sendiri untuk koleksi seterusnya.

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

WANZAR have establish from combination of 2 name which are Zarin and Izwan. They are both directors of the company. Before they set up the company, their expertise and involve in the engineering and banking industry. However, due to interested in fashion industry, they take big decision to jump into this industry. They use all their saving without use any loan to build this company until now. Currently, WANZAR have 23 staff of employees to generate and grow up this business with own special capabilities such as in sale and marketing, fashion design, textile design, graphic design, technical team and strong management team. ________________________________________________________________________________________ WANZAR telah membentuk dari gabungan 2 nama iaitu Zarin dan Izwan. Mereka berdua adalah pengarah syarikat. Sebelum mereka menubuhkan syarikat, kepakaran mereka adalah dalam industri kejuruteraan dan perbankan. Namun, kerana berminat dengan industri fesyen, mereka mengambil keputusan besar untuk menceburkan diri dalam industri ini. Mereka menggunakan semua simpanan mereka tanpa menggunakan pinjaman untuk membina syarikat ini hingga sekarang. Pada masa ini, WANZAR mempunyai 23 kakitangan pekerja untuk menjana dan mengembangkan perniagaan ini dengan kemampuan khas seperti penjualan dan pemasaran, reka bentuk fesyen, reka bentuk tekstil, reka bentuk grafik, pasukan teknikal dan pasukan pengurusan.

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

We are intend to expand our business in additional physical boutique in north area Malaysia since we have boutique in Selangor, Johor and Terengganu. To fulfil our target, we need to produce more collection in high capacity with limited resources. our strategy is to hire more staff, doing marketing in online platform and expand our target customer to increase sale turnover. ________________________________________________________________________________________ Kami berhasrat untuk mengembangkan perniagaan kami di butik fizikal tambahan di kawasan utara Malaysia kerana kami mempunyai butik di Selangor, Johor dan Terengganu. Untuk memenuhi sasaran kita, kita perlu menghasilkan lebih banyak koleksi melalui kapasiti tinggi dengan sumber yang terhad. strategi kami adalah dengan mengambil lebih banyak kakitangan, melakukan pemasaran dalam platform dalam talian dan mengembangkan sasaran pelanggan kami untuk meningkatkan perolehan penjualan.

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

Base on annual sales turnover for 2019, we already got RM1,025,328.00 and for current management account until October 2020, our annual sale turnover are RM4,252,327.53. ________________________________________________________________________________________ Berdasarkan perolehan jualan tahunan untuk tahun 2019, kami sudah memperoleh RM1,025,328.00 dan untuk akaun pengurusan semasa sehingga Oktober 2020, perolehan jualan tahunan kami adalah RM4,252,327.53.

Number of years in business? / Usia perniagaan?

WANZAR have been running for business since 2016 and have been 6 years in the industry. ________________________________________________________________________________________ WANZAR telah menjalankan perniagaan sejak 2016 dan sudah 6 tahun berada di industri ini.

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

We will use the funds raised on microLEAP's platform to hire more staff, doing marketing in online platform and expand our target customer to increase sale turnover. Furthermore, we want to produce more collection hence we need to purchase more raw material in high volume of capacity. ________________________________________________________________________________________ Kami akan menggunakan dana yang dikumpulkan di platform microLEAP untuk mengambil lebih banyak kakitangan, melakukan pemasaran di platform dalam talian dan mengembangkan pelanggan sasaran kami untuk meningkatkan perolehan penjualan. Tambahan pula, kami ingin menghasilkan lebih banyak koleksi, oleh itu kami perlu membeli lebih banyak bahan mentah dengan jumlah kapasiti yang tinggi.

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 which is considered 'Good' by an external credit bureau with a Probability of Default (PD) Score of 1.5% - 2.5%. Though the Issuer (the company) by itself has sufficient revenue to cover it''s monthly commitments to microLEAP of RM1,959.72, one of the Directors has several late payments on their loans, which is why the Credit Risk Score is MR6. As the risk is MR6 (Medium Risk 6), so it has a medium-weak credit quality and medium-high risk of default. The Issuer has no outstanding loans and has sufficient revenue to cover his monthly payments. ________________________________________________________________________________________ Penerbit mempunyai Penjamin untuk pembiayaan ini. Risiko itu 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. Penerbit mempunyai Penjamin untuk pembiayaan ini yang dianggap 'Good' oleh biro kredit luaran dengan Skor Kebarangkalian keingkaran (PD) 1.5% - 2.5%. Walaupun Penerbit (syarikat) dengan sendirinya mempunyai pendapatan yang cukup untuk menampung komitmen bulanannya terhadap microLEAP sebanyak RM1,959.72, salah seorang Pengarah mempunyai beberapa pembayaran lewat pinjaman mereka, sebab itulah Skor Risiko Kredit adalah MR6. Oleh kerana risikonya adalah MR6 (Risiko Sederhana 6), maka ia mempunyai kualiti kredit sederhana-rendah dan risiko keingkaran sederhana-tinggi. Penerbit tidak mempunyai pinjaman tertunggak dan mempunyai pendapatan yang mencukupi untuk menampung pembayaran bulanannya.
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Rate of Returns
13.7% 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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