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NT-2101-00001

NT-2101-00001

i
MR6

Rozinah Abadi, Restaurants

RM 40,000 for 36 month term. RM 19,251 funded 25 Days Left

48 % Funded

Who is the Issuer and what does the business do? / Siapakah Penerbit dan apakah perniagaan diceburi mereka?

I am Rozinah, as a Business owner registered with SSM under the name ROZINAH ABADI who runs a restaurant business. Our restaurant name 'D Pesona Nasi Dalca' based in Kedah ___________________________________________________________________________________ Saya Rozinah, pemilik sebuah Perniagaan yang didaftarkan dengan SSM dibawah nama ROZINAH ABADI dan menjalankan perniagaan restoran. Nama restoran kami ialah 'D Pesona Nasi Dalca' di Kedah.

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

I am a restaurant owner and have 6 employees with business experience of more than 6 years. Before having a restaurant, I only had 2 employees and Alhamdulillah after opening the restaurant, I was able to hire 4 additional employees. At first I only did side business at home and with the profit from that business I have started buying the restaurant equipment. Alhamdulillah, reached the target and now I can open my own restaurant. ___________________________________________________________________________________ Saya adalah pemilik restoran dan mempunyai 6 org pekerja, pengalaman berniaga lebih dari 6 tahun, sebelum mempunyai restoran,saya cuma ada 2 orang sahaja pekerja dan Alhamdulillah selepas membuka rastoran, saya mampu mengambil 4 orang pekerja tambahan. Mula2 saya cuma berniaga sampingan dirumah sahaja dan dengan untung dari meniaga itu saya sudah mula membeli barangan kelengkapan restoran. Alhamdulillah sampai target dan saya boleh membuka restoran sendiri.

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

My plan for the next 2 to 3 years InsyaAllah I will be able to expand my business by open another branch restaurant. 6 years ago, I’m running a small business at home and selling food. In 2014, my business profit is RM10,500 the sales from July to December 2014. For the first 8 months in year 2020, I have earned a profit of RM30,150. I have saved and used the profits of my small home business sales to grow my business. ___________________________________________________________________________________ Rancangan saya untuk 2 hingga 3 tahun akan datang InsyaAllah saya akan boleh mengembangkan lagi perniagaan saya dengan membuka 1 lagi cawangan restoran. 6 tahun yang lalu saya hanya sebagai peniaga kecik-kecilan dirumah dan menjual makanan. Pada tahun 2014, keuntungan perniagaan saya ialah RM10,500 untuk jualan dari bulan July hingga December 2014. Untuk 8 bulan pertama bagi tahun 2020, saya telah memperoleh keuntungan sebanyak RM30,150. Saya telah menyimpan dan mengunakan duit keuntungan perniagaan dan jualan di rumah untuk majukan lagi perniagaan saya ini.

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

This business has been registered for 6 years, however, I have opened my own restaurant for the last 3 months. For the year 2020 up to November my sales turnover is RM279,427. I would like to use this microLEAP fund to improve my restaurants and in-store items to make it more comfortable for customers who come to my restaurant. I also want to renovate the store to look more attractive to customers to enter my restaurant. ___________________________________________________________________________________ Perniagaan ini telah didaftarkan selama 6 tahun, walaubagaimanapun, saya telah membuka restoran perniagaan saya ini pada 3 bulan yang lalu. untuk tahun 2020, keuntungan perniagaan saya sehingga bulan November adalah sebanyak RM279,427. Saya ingin menggunakan dana microLEAP Ini untuk menambahbaik restoran dan barang-barang di dalam kedai supaya lebih selesa untuk pelanggan yang datang ke restoran saya. Saya juga ingin mengubah suai kedai supaya nampak lebih menarik perhatian pelanggan untuk masuk ke kedai saya.

Number of years in business? / Usia perniagaan?

My business operations have been running since 22 February 2014. ___________________________________________________________________________________ Operasi perniagaan saya telah bermula sejak 22 fabuari 2014

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

As we know that this financing is to improve and add items in my restaurant. I want an attractive restaurant and the perfect equipment to attract more customers to my restaurant. In addition, I also want to give more job opportunities to the people around my area with a reasonable salary. ___________________________________________________________________________________ Seperti yang kita ketahui pembiayaan ini adalah untuk menambah baik restoran dan barangan di restoran saya.Saya ingin restoran yang menarik dan kelengkapan yang sempurna untuk menarik lebih ramai lagi pelanggan ke restoran saya. Selain itu saya ingin memberi lebih peluang pekerjaan kepada penduduk sekitar dengan gaji yang berpatutan.

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 1.5% - 2.5%. The Issuer has sufficient revenue to cover their payment to microLEAP of RM1,554 a month. The response from selling food on the side of the street to moving to her restaurant has been encouraging. With Kedah being in CMCO, which allows eat-in, we are confident that her business should do well during the pandemic. 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 untuk pembiayaan ini dan Penjamin dinilai 'Good' oleh biro kredit luaran dengan skor Kebarangkalian Keingkaran (PD) 1.5%-2.5%. Penerbit mempunyai pendapatan yang mencukupi untuk menampung pembayaran bulanannya sebanyak RM1554 sebulan. Sambutan dari menjual makanan di pinggir jalan untuk berpindah ke restorannya sangat menggalakkan. Dengan negeri Kedah berada di PKPB (Perintah Kawalan Pergerakan Bersyarat), yang membolehkan makan di restoran, kami yakin perniagaannya dapat berjalan dengan baik semasa wabak tersebut. 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
13.3% p.a
Total Gross Return on Investment
-


Terms & Conditions Apply

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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