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NT-2101-00004

NT-2101-00004

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MR7

MS Network & Collections, E-commerce,

RM 5,000 for 36 month term. RM 5,000 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?

My business based in Simpang Ampat, Penang. But I do online business in retail selling mostly men's sportswear and men's products. I'm also into telecommunication that covers the whole state of Malaysia. Normally my customer from various background. They find me on Facebook marketplace or Shopee platform. I’m more focusing on the online marketplace rather than offline. I don't have a branch or other outlets. Target market ads that I used in age 25-65 from the whole state of Malaysia. For now my business in Shopee doing good.
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Perniagaan saya berpusat di Simpang Ampat, Pulau Pinang. Tetapi saya menjalankan perniagaan dalam talian fokus untuk pakaian sukan lelaki dan barangan untuk lelaki. Saya juga menjalankan perniagaan telekomunikasi yang merangkumi seluruh negeri di Malaysia. Biasanya pelanggan saya dari pelbagai latar belakang. Mereka menemui saya di pasaran Facebook atau platform Shopee. Saya lebih fokus pada pasaran dalam talian daripada luar talian. Saya tidak mempunyai cawangan atau kedai lain. Sasarkan iklan pasaran yang saya gunakan pada usia 25-65 tahun dari seluruh negeri di Malaysia. Buat masa ini perniagaan saya di Shopee berjaya.

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

I’ve managed my business alone for now. I’m learning from the bottom which I had small knowledge about business until last year I achieved RM10k on the Shopee platform. I’m experienced in businesses for nearly 2 years. This is my first start on business MS NETWORK & COLLECTIONS.
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Saya menguruskan perniagaan saya sendiri buat masa ini. Saya belajar dari bawah yang mana saya mempunyai sedikit pengetahuan mengenai perniagaan sehingga tahun lalu saya memperoleh RM10k di Shopee. Saya berpengalaman dalam perniagaan selama hampir 2 tahun. Ini adalah permulaan pertama saya dalam perniagaan MS NETWORK & COLLECTIONS.

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

I want to have my own product or collections. I want to have my downline that running my sales. And also I want a family business that will become a big empire so others can try to achieve it.
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Saya mahu mempunyai produk atau koleksi saya sendiri. Saya ingin mempunyai downline saya yang menjalankan penjualan saya. Dan saya juga mahukan perniagaan keluarga yang boleh menjadi empire besar bagi orang lain untuk mencapainya.

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

For the year 2020, total gross profit is RM14,748.07 from month January until December 2020
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Untuk tahun 2020, jumlah keuntungan kasar adalah RM14,748.07 dari bulan Januari hingga Disember 2020

Number of years in business? / Usia perniagaan?

Business registered on 19 May 2020, and the business has been running for about 8 months.
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Perniagaan telah didaftarkan pada 19 Mei 2020, dan perniagaan telah beroperasi selama kira-kira 8 bulan.

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

The funds from the microLEAP platform is to cover marketing costs. Since nowadays buyers are more focusing on online platforms. So I need to run my marketing strategy to gain more income. Other than that I want to increase my own stock on Shopee so that buyer/customer can buy through Shopee directly without any issue like out of stock.
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Dana dari platform microLEAP adalah untuk menampung kos pemasaran. Sekarang pembeli lebih menumpukan pada platform dalam talian. Oleh itu, saya perlu menjalankan strategi pemasaran saya untuk memperoleh lebih banyak pendapatan. Selain itu saya ingin menambah stok saya sendiri di Shopee supaya pembeli / pelanggan dapat membuat pembelian melalui Shopee secara langsung tanpa masalah seperti kehabisan stok.

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

The Issuer has a side-business of being a wifi agent selling broadband which supplements the income of his e-commerce business. The Issuer has a Guarantor for this financing and the Guarantor is rated 'Fair' by an external credit bureau with a Probability of Default (PD) score of 10%-20%. The Issuer does not have any other outstanding borrowings and has sufficient revenue to cover its monthly payments of RM197 a month to microLEAP. 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 perniagaan sampingan sebagai ejen wifi jalur lebar sebagai menambah pendapatan perniagaan e-dagangnya. Penerbit mempunyai Penjamin untuk pembiayaan ini dan Penjamin dinilai 'Fair' oleh biro kredit luaran dengan skor Kebarangkalian Keingkaran (PD) 10%-20%.Penerbit tidak mempunyai pinjaman tertunggak lain dan mempunyai pendapatan yang mencukupi untuk menampung pembayaran bulanannya sebanyak RM197 sebulan. 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.
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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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