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NT-2102-00004

NT-2102-00004

i
MR7

FAS Teraju, Engineering & Construction,

RM 40,000 for 36 month term. RM 40,000 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?

FAS TERAJU was incorporated in March 2019 with the clear aspiration to be recognized as a provider of quality predictive engineering & maintenance services to the industry. At the outset we faced many challenges in gaining recognition and acceptance of the merits and benefits of predictive engineering & maintenance technologies and techniques over more traditionally time-based maintenance practices.
Our customer come from various industrial field such as Manufacturing, Palm-Oil Companies, Refinery, Oil & Gas and automation. They are a group sustainable customer who contribute large volume of market and prospect in our business. We are registered vendor to FGV Holding, Sime Darby Berhad, Iffco (M) Sdn Bhd, Technip Asiaflex Product Sdn Bhd, MSM Berhad, Lotte Ube Synthetic Rubber Sdn Bhd, and plenty more.
As a one stop engineering service provider, FAS Teraju is dedicated to ensuring that our clients obtain accurate diagnostic analysis of equipment condition by integrating various predictive maintenance technologies and techniques.
Through the use of our services, customers can realize substantial maintenance and repair cost savings and higher system uptime and reliability
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FAS TERAJU diperbadankan pada Mac 2019 dengan aspirasi yang jelas untuk diiktiraf sebagai penyedia perkhidmatan kejuruteraan & penyelenggaraan ramalan berkualiti kepada industri. Pada awalnya kami menghadapi banyak cabaran dalam mendapatkan pengiktirafan dan penerimaan kelebihan dan faedah teknologi dan teknik kejuruteraan & penyelenggaraan ramalan berbanding amalan penyelenggaraan berdasarkan masa yang lebih tradisional.
Pelanggan kami berasal dari pelbagai bidang perindustrian seperti Pembuatan, Syarikat Kelapa Sawit, Kilang, Minyak & Gas dan automasi. Mereka adalah pelanggan berkelanjutan kumpulan yang menyumbang sejumlah besar pasaran dan prospek dalam perniagaan kami. Kami adalah vendor berdaftar untuk FGV Holding, Sime Darby Berhad, Iffco (M) Sdn Bhd, Technip Asiaflex Product Sdn Bhd, MSM Berhad, Lotte Ube Synthetic Rubber Sdn Bhd, dan banyak lagi.
Sebagai penyedia perkhidmatan kejuruteraan sehenti, FAS Teraju berdedikasi untuk memastikan bahawa pelanggan kami memperoleh analisis diagnostik yang tepat mengenai keadaan peralatan dengan mengintegrasikan pelbagai teknologi dan teknik penyelenggaraan ramalan.
Melalui penggunaan perkhidmatan kami, pelanggan dapat mewujudkan penjimatan kos penyelenggaraan dan pembaikan yang besar dan masa dan kebolehpercayaan sistem yang lebih tinggi

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

We are pioneered by various specialty background in engineering. Our 4 top management members are background in Mechanical Engineering, Civil Engineering, and Chemical Engineering which make us a solid bullets in all engineering industries fields.
Started from minor sub to sub maintenance work for industrial, we are now well-known engineering company that provide a technical solution for various industry.
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Kami dipelopori oleh pelbagai latar belakang khusus dalam bidang kejuruteraan. 4 anggota pengurusan atasan kami mempunyai latar belakang dalam Kejuruteraan Mekanikal, Kejuruteraan Awam, dan Kejuruteraan Kimia yang menjadikan kami peluru kuat di semua bidang industri kejuruteraan.
Bermula dari kerja-kerja penyelenggaraan kecil hingga kecil untuk industri, kami kini merupakan syarikat kejuruteraan terkenal yang menyediakan penyelesaian teknikal untuk pelbagai industri.

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

In 3 years, FAS TERAJU will be the leading engineering company as we are expanding our prospect client, field of business and specialty. We will be a one stop engineering solution for all industrial needs.
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Dalam 3 tahun, FAS TERAJU akan menjadi syarikat kejuruteraan terkemuka kerana kami mengembangkan prospek pelanggan, bidang perniagaan dan kepakaran kami. Kami akan menjadi penyelesaian kejuruteraan sehenti untuk semua keperluan industri.

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

When we start the business in 2019, our turnover is around RM 100 000.
In 2020, we have annual turnover of RM 200 000 with profit margin of 30% .
Currently by January 2021, we have clocked over RM 400 000 sales which will increase upon time. Our forecast by the end of 2021, we will hit sales up to RM 1M as our capital and business growth.
By 2022, we forecast our annual turnover will be RM 3M per annum and will be increasing upon years.
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Semasa kami memulakan perniagaan pada tahun 2019, perolehan kami adalah sekitar RM 100 000.
Pada tahun 2020, kita mempunyai perolehan tahunan sebanyak RM 200 000 dengan margin keuntungan 30%.
Pada bulan Januari 2021, kami telah mencatat lebih dari RM 400 000 penjualan yang akan meningkat mengikut masa. Ramalan kami menjelang akhir 2021, kami akan mencapai jualan sehingga RM 1 juta sebagai pertumbuhan modal dan perniagaan kami.
Menjelang tahun 2022, kami menjangkakan perolehan tahunan kami adalah RM 3 juta setahun dan akan meningkat dari tahun ke tahun.

Number of years in business? / Usia perniagaan?

FAS TERAJU has been registered with the Companies Commission of Malaysia (SSM) in March 2019.
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FAS TERAJU telah didaftarkan dengan Suruhanjaya Syarikat Malaysia (SSM) pada bulan Mac 2019.

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

The fund will be fully utilized for working capital as our numbers clients keep increasing through time, we have receive numbers of project contracts from our clients in which need more capital to carry out. Additional fund will make our cash flow more healthier since project contracts are based on credit term sales.
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Dana ini akan digunakan sepenuhnya untuk modal kerja kerana jumlah pelanggan kami terus bertambah sepanjang masa, kami telah menerima sejumlah kontrak projek dari pelanggan kami yang memerlukan lebih banyak modal untuk dilaksanakan. Dana tambahan akan menjadikan aliran tunai kami lebih sihat kerana kontrak projek berdasarkan penjualan jangka masa kredit.

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 '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 to microLEAP of RM1,577.78 a month and has no other borrowings. The business has picked up remarkably in the second half of 2020 which should continue. There have been some late payments from a car loan of one of their directors which worsens the Issuer's credit score. 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.
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Penerbit mempunyai Penjamin untuk pembiayaan ini dan Penjamin dinilai 'Fair' oleh biro kredit luaran dengan skor Kebarangkalian Keingkaran (PD) 5%-10%. Penerbit mempunyai pendapatan yang mencukupi untuk menampung pembayaran bulanannya sebanyak RM1,577.78. sebulan. Perniagaan telah berkembang pesat pada separuh kedua tahun 2020 dimana ianya harus diteruskan. Terdapat beberapa pembayaran lewat untuk pinjaman kereta dari salah seorang pengarah mereka yang memburukkan lagi skor kredit Penerbit. 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.
.

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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