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NT-2102-00005

NT-2102-00005

i
MR6

Billion Capital Management, Trading

RM 50,000 for 36 month term. 17 Days Left

0 % 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?

Vending machine sales and services - import vending machine and supply to local seller and customer. Collaborating with the dealer and supply vending machine to the whole of Malaysia. ____________________________________________________________________________________ Jualan dan perkhidmatan mesin layan diri - mengimport mesin layan diri dan bekalkan kepada penjual dan pelanggan tempatan. Bekerjasama dengan peniaga dan membekalkan mesin layan diri ke seluruh Malaysia.

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

I'm the only business owner and decision-maker but have 2 sleeping partners. 2 years' experience in vending machines. We are getting funding from Singapore Venture Capital for other business nature. ____________________________________________________________________________________ Saya satu-satunya pemilik perniagaan dan pembuat keputusan tetapi mempunyai 2 rakan kongsi. Pengalaman 2 tahun dalam mesin layan diri. Kami mendapat dana dari Singapore Venture Capital untuk perniagaan lain.

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

I'm planning to launch a new branch in the southern area before April, and another branch in the north before year-end. ____________________________________________________________________________________ Saya merancang untuk melancarkan cawangan baru di kawasan selatan sebelum April, dan cawangan lain di utara sebelum akhir tahun.

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

I'm just started supplying machines for the last 8 months. The monthly sales around RM70,000 to RM100,000. Profit is around 30-35%. ____________________________________________________________________________________ Saya baru mula membekalkan mesin sejak 8 bulan yang lalu. jualan bulanan sekitar RM70,000 hingga RM 100,000. Keuntungan sekitar 30-35%.

Number of years in business? / Usia perniagaan?

This Business has been registered with the Companies Commission of Malaysia (SSM) in October 2019. ____________________________________________________________________________________ Perniagaan ini telah didaftarkan dengan Suruhanjaya Syarikat Malaysia (SSM) pada bulan October 2019.

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

To increase the number of imports. For cost-saving purposes, no point to renovate premises, and the premise/warehouse is just the place to store ready stock. ____________________________________________________________________________________ Menambah bilangan import. Untuk tujuan menjimatkan kos, kami tidak gunanya untuk mengubahsuai premis, dan premis / gudang hanyalah tempat utuk menyimpan stok yang sedia ada.

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

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. The Issuer has sufficient revenue to manage its payment of RM1,959.72 a month to microLEAP and the business has no other borrowings. The owner had some late payments on their Educational loan, but this has been regularised for several months now. 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. ________________________________________________________________________________________ Pemiliknya juga Penjamin untuk pembiayaan ini dan I-skor Penjamin adalah 7 ('Good') dengan Kebarangkalian keingkaran (PD) 2.5% - 5% merujuk biro kredit luaran. Penerbit mempunyai pendapatan yang mencukupi untuk menguruskan pembayarannya sebanyak RM1,959.72 sebulan kepada microLEAP dan Perniagaan tersebut tidak mempunyai pinjaman lain. Pemilik mempunyai beberapa pembayaran lewat untuk pinjaman Pendidikan, tetapi telah dapat diaturkan untuk beberapa bulan sekarang. Nota Pelaburan ini mempunyai penarafan MR6 (Risiko Sederhana 6) dan oleh itu ia mempunyai kualiti kredit sederhana-lemah dan risiko keingkaran sederhana-tinggi.
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Rate of Returns
13.7% p.a
Total Gross Return on Investment
-

Unsuccessful 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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