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NT-2012-00005

NT-2012-00005

i
MR6

Farah M - Pekan, Food & Beverage,

RM 10,000 for 36 month term. RM 10,000 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 Farah M Enterprise located in Pekan Pahang. I started my business on 12 July 2019. My business includes selling foods and beverages. Apart from that, I also do an online business which is selling furniture, cosmetics, and Jewels. My main focus is on selling food and beverages such as traditional cuisine. Starting August I have opened another stall selling the first variety of flour dipping in my district. The stall named 'Royaltown Celup Tepung' and have an impressive response from the locals.
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Saya adalah 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 perhiasan emas. Fokus utama saya adalah menjual makanan dan minuman seperti masakan tradisional. Mulai Ogos saya telah membuka gerai lain yang menjual pelbagai jenis tepung pertama di daerah saya. Gerai itu menamakan 'Royaltown Celup Tepung' sambutan yang sangat menggalakkan dari penduduk tempatan.

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

At first, my journey in business started as an assistant at a 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 help me to increase my knowledge on online business. During that time, I have learned on some business strategies to gain profit and at the same time help my customer regarding payment method where they can pay for my product by installment.
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Pada mulanya, perjalanan saya dalam perniagaan bermula sebagai pembantu di sebuah 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. Selain itu, saya juga pernah menjadi stokis untuk perniagaan dalam talian sebelum ini yang membantu saya menambah pengetahuan mengenai perniagaan dalam talian. Pada masa itu, saya telah belajar mengenai 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 impressive response from customers, InshaAllah, early next year my stall will move to a larger and more comfortable stall for customers to eat. I also have a plan to sign up for the foodpanda apps for the convenience of customers.
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Dengan sambutan yang memberangsangkan dari pelanggan, Insya Allah, awal tahun depan gerai saya akan berpindah ke gerai yang lebih besar dan selesa untuk pelanggan makan. Saya juga mempunyai rancangan untuk mendaftar aplikasi foodpanda untuk kemudahan pelanggan.

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

Previously, my revenue was RM100,000 for 2019, and for the first 6 months of 2020 I made a revenue of RM81,448. After I opened this second stall for 3 months, the return was very encouraging of RM93,265.
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Sebelum ini, pendapatan saya adalah RM100,000 untuk 2019 dan untuk 6 bulan pertama tahun 2020, saya memperoleh pendapatan sebanyak RM81,448. Setelah saya membuka gerai kedua ini selama 3 bulan, pulangannya sangat memberangsangkan iaitu RM93,265.

Number of years in business? / Usia perniagaan?

I've started my business on 12 July 2019
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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?

As you already know this financing is additional financing for my second booth., I wish to have a proper stall with complete machinery to increase the productivity of my business. Furthermore, I also will provide more job opportunities to people with reasonable salaries, especially in the current economic situation.
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Seperti yang anda ketahui pembiayaan ini adalah pembiayaan tambahan untuk gerai kedua saya., Saya ingin mempunyai gerai yang betul dengan mesin yang lengkap untuk meningkatkan produktiviti perniagaan saya. Selain itu, saya juga akan memberi lebih banyak peluang pekerjaan kepada orang-orang dengan gaji yang berpatutan, terutamanya dalam keadaan ekonomi semasa.

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% - 10%. The Issuer has done well during lockdown / MCO as she diversified her business by selling online. Now, she is opening a 2nd store in Pekan, Pahang. The Issuer has another side online business (Whatapps and Telegram) selling online products such as furnitures, cosmetic and Jewels . The Issuer has no outstanding bank loans but has a monthly obligation to microLEAP of RM1,287.92 per month which includes this 2 Investment Notes issued. The Issuer is a good and very prompt paymaster. There is more than sufficient revenue to cover this monthly payment on multiple Investment Notes. 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.

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Penerbit mempunyai Penjamin Peribadi untuk pembiayaan ini dan Penjamin dinilai 'Baik' oleh biro kredit luar dengan skor Kebarangkalian keingkaran (PD) 5% - 10%. Penerbit telah berjaya menjalankan perniagaan dengan baik semasa Perintah Kawalan Pergerakan (PKP) kerana dia mempelbagaikan perniagaannya dengan menjual secara dalam talian. Sekarang, Penerbit telah membuka kedai baru yang ke-2 di Pekan, Pahang. Penerbit mempunyai perniagaan dalam talian lain (Whatapps dan Telegram) yang menjual produk dalam talian seperti perabot, kosmetik dan perhiasan emas. Penerbit tidak mempunyai pinjaman yang belum dijelaskan tetapi mempunyai komitmen bulanan dengan microLEAP sebanyak RM1,287.92 sebulan yang merangkumi 2 Nota Pelaburan yang telah berjaya dibiayai sepenuhnya. Penarafan risiko adalah MR6 (Risiko Sederhana 6) dan oleh itu ia mempunyai Kadar Faedah sederhana tinggi dan Risiko Kelewatan sederhana tinggi.

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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.
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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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