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NT-2101-00003

NT-2101-00003

i
MR6

AR Shopline 2, 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 diceburi mereka?

AR Shopline is based in Jitra Kedah. We sell various types of children's clothing, adult clothing, cosmetics, beauty products, bags and more. We sell online as well as offline in our physical store to customers. For now, there is only 1 branch and if there is more sustenance we will add branches elsewhere. __________________________________________________________________________________ Ar shopline kini berada Di jitra kedah. Kami menjual pelbagai jenis pakaian kanak-kanak, pakaian dewasa, kosmetik, produk kecantikan, bag dan lain. Kami menjual secara dalam talian dan jual secara offline di kedai kepada pelanggan . Buat masa sekarang cuma ada 1 cawangan dan jika ada rezeki lebih kami akan Tambah cawangan Di tempat lain.

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

AR Shopline currently has 2 employees. The employees have been 1 year of service here. The expertise of employees at AR Shopline is one manages online such as Live video and another staff manages our physical store. I started this business by being a dropship for the past 3 years and in the first year of the profit from sales in dropship, I started to taking more stock. Alhamdulillah, it has been 3 years to be a dropship until now I can open my own shop. __________________________________________________________________________________ AR Shopline buat masa sekarang ada 2 orang pekerja. Dan sudah 1 tahun berkidmat Di sini. Kepakaran pekerja Di AR Shopline adalah seorang urus di bahagian online seperti video Live dan seorang lagi staf uruskan bahagian di kedai kami. Saya memulakan perniagaan ini dengan menjadi dropship sejak 3 tahun lepas dan pada tahun pertama dari pndapatan untung menjual dari dropship saya mula ambil sedikit demi sedikit stok. Alhamdulillah,sudah 3 tahun menjadi dropship sehingga sekarang dah boleh membuka kedai sendiri.

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

My plan for the next 3 years Insyaallah, I will add more branches. I will add and diversify stock in my store. I will make sure my sales this year and many years coming increase well. __________________________________________________________________________________ Rancangan saya pada 3 tahun akan datang Insyaallah, saya akan tambah lagi cawangan. Saya akan tambah dan pelbagaikan stok di kedai saya. Saya akan pastikan jualan saya pada tahun ni dan tahun-tahun akan datang melonjak naik dengan baik.

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

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 year 2020, I made revenue of RM74,150 from month January until December 2020. 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 from my 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. Pada tahun 2020, saya telah memperoleh keuntungan sebanyak RM74,150 dari bulan Januari hingga December 2020. 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?

My business has been running for 2 years after I joined dropship and made a profit from it, I started to stock up and then intend to have a shop. And Alhamdulillah, what I want is achieved. __________________________________________________________________________________ Perniagaan saya sudah berjalan selama 2 tahun selepas saya join dropship dan dapat keuntungan dari situ saya mula ambik stok dan terus berniat untuk mempunyai kedai. Dan alhamdulillah, apa yang saya inginkan telah tercapai.

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

The purpose to raise funds from the microLEAP platform is that I want to renovate the store and add more products and goods to the store. __________________________________________________________________________________ Tujuan untuk mengumpulkan dana dari platform microLEAP kerana saya ingin mengubahsuai kedai dan menambah lebih banyak produk dan barang ke kedai.

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

This is the second Islamic Investment Note from this Issuer that we have hosted on our platform. Since the first successful fund raise, the Issuer has used the funds well and is seeing an increase in sales. The Issuer has a Guarantor for this financing and the Guarantor is rated 6 ('Fair') by an external credit bureau with a Probability of Default (PD) score of 5% -10%. The Issuer has sufficient revenue to cover its monthly payments of RM1,569 a month, which includes the 2 Investment Notes now issued. The Issuer sells all her products online and also offline, so she has seen some of the slowdown in her offline business off-set by her online sales during MCO. This Investment Note has an MR6 (Medium Risk 6) rating and so it has a medium-weak credit quality and medium-high risk of default. _________________________________________________________________________________ Ini adalah Nota Pelaburan Islam ke-2 kami yang dikeluarkan di microLEAP. Memandangkan pengumpulan dana yang pertama berjaya, Penerbit telah menggunakan dana tersebut dengan baik dan dapat dilihat peningkatan penjualan. Penerbit mempunyai Penjamin untuk pembiayaan ini dan Penjamin dinilai 6 'Fair' oleh biro kredit luaran dengan skor Kebarangkalian Keingkaran (PD) 5%-10%. Penerbit tidak mempunyai pinjaman lain dan Penerbit mempunyai pendapatan yang mencukupi untuk menampung pembayaran bulanannya sebanyak RM1569 sebulan yang merangkumi 2 Nota Pelaburan yang telah berjaya dibiayai sepenuhnya. Penerbit menjual produk jualan melalui dalam talian dan juga luar talian dan ini menunjukkan kesan yang sedikit terhadap perniagaan semasa Perintah Kawalan Pergerakan. 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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