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NT-2102-00003

NT-2102-00003

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MR6

Marina Online Trading, E-commerce,

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 diceburi mereka?

Marina Online Trading is a company that sells branded watches and luxury items and other marketing. We sell our products online. We also into telecommunication that covers the whole state of Malaysia. Normally our customer from various background. They find me on Facebook marketplace, Wechat, or Whatsapp. We are more focusing on the online marketplace rather than offline. For now my business in online doing good.
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Marina Online Trading adalah syarikat yang menjual jam tangan berjenama dan barang-barang mewah serta pemasaran lain. Kami menjual produk kami secara dalam talian. Kami juga memasuki telekomunikasi yang merangkumi seluruh negeri Malaysia. Biasanya pelanggan kami dari pelbagai latar belakang. Mereka menjumpai saya di pasaran Facebook, Wechat, atau Whatsapp. Kami lebih menumpukan pada pasaran dalam talian daripada luar talian. Buat masa ini perniagaan saya dalam talian semakin baik.

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

The business’s founder is experienced in business and now we have 8 downlines to manage our online business together.
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Pengasas perniagaan berpengalaman dalam perniagaan. Kini kami mempunyai 8 ‘downlines’ untuk menguruskan perniagaan dalam talian bersama.

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

We plan to open a shop for customers to walk in to know more about our products & enjoy testing. We also plan to expand our product line to more than just a few products.
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Kami merancang untuk membuka kedai untuk pelanggan mengetahui dengan lebih lanjut mengenai produk kami & menikmati untuk mencuba sendiri. Kami juga merancang untuk memperluas rangkaian produk kami kepada beberapa produk.

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

For the year 2020, our total sales turnover is RM1,869,386.40 from month January until December 2020.
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Untuk tahun 2020, jumlah perolehan jualan kami adalah RM1,869,386.40 dari bulan Januari hingga Disember 2020.

Number of years in business? / Usia perniagaan?

We have been operating since March 2018.
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Kami telah beroperasi sejak Mac 2018.

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

We plan to utilise the funds raised for strategic marketing. In addition, we want to buy more stock so that customers can buy online directly without any issue like out of stock and this is why we need working capital
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Kami merancang untuk menggunakan dana yang dikumpulkan untuk strategik pemasaran. Di samping itu, kami ingin membeli lebih banyak stok supaya pelanggan dapat membeli secara dalam talian secara langsung tanpa masalah seperti kehabisan stok dan oleh itu kami memerlukan modal.

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

The Issuer sells all her products online and so she has seen only minimal impact to her business during MCO. The owner is also the Guarantor for this financing and the Guarantor's I-score is 7 ('Good') with a Probability of Default (PD) of 2.5% - 5% according to an external credit bureau. 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. The Issuer has sufficient revenue to manage its payment of RM1,934 a month to microLEAP.
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Penerbit menjual produknya secara dalam talian dan oleh itu dia hanya melihat sedikit kesan terhadap perniagaannya semasa PKP. Pemiliknya juga Penjamin untuk pembiayaan ini dan I-skor Penjamin adalah 7 ('Good') dengan Kebarangkalian keingkaran (PD) 2.5% - 5% merujuk biro kredit luaran. Nota Pelaburan ini mempunyai penarafan MR6 (Risiko Sederhana 6) dan oleh itu ia mempunyai kualiti kredit sederhana-lemah dan risiko keingkaran sederhana-tinggi. Penerbit mempunyai pendapatan yang mencukupi untuk menguruskan pembayarannya sebanyak RM1,934 sebulan kepada microLEAP.

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Rate of Returns
13.1% 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.
.

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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