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NT-2103-00005

NT-2103-00005

i
MR5

DL Ice Dessert, Food & Beverage

RM 45,000 for 36 month term. RM 45,000 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?

Our dessert restaurant business based in Kuala Lumpur/Cheras industry in F&B. Our dessert is handmade taro balls Taiwanese Taroballs Dessert. ________________________________________________________________________________________ Perniagaan restoran pencuci mulut kami beroperasi di Kuala Lumpur yang berteraskan perniagaan makanan dan minuman. Antara pencuci mulut kami adalah seperti buatan tangan 'taroballs" iaitu Taiwanese Taroballs Dessert.

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

The Issuer is a business owner registered with SSM who runs a restaurant business. I am a restaurant owner and have 4 employees with restaurant business experience of more than 5 years. ________________________________________________________________________________________ Nama saya Dicky sebagai pemilik Perniagaan yang berdaftar dengan SSM yang menjalankan perniagaan restoran. Saya adalah pemilik restoran dan mempunyai 4 orang pekerja dengan pengalaman perniagaan restoran lebih dari 5 tahun.

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

My plan to create a central kitchen for quality control and supply to expand my business by open another branch restaurant. ________________________________________________________________________________________ Perancangan saya adalah untuk membina dapur pusat untuk kawalan kualiti dan bekalan bagi mengembangkan perniagaan saya dengan membuka cawangan restoran yang lain.

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

For the year 2020 annual turnover of more than RM 500,000. I would like to use this microLEAP fund to improve my restaurants and create a central kitchen equipment. ________________________________________________________________________________________ Untuk perolehan tahunan tahun 2020 lebih daripada RM 500,000. Saya ingin menggunakan dana daripada microLEAP ini untuk membaikpulih restoran saya serta membeli peralatan untuk membina dapur pusat.

Number of years in business? / Usia perniagaan?

My dessert restaurant business operations have been running since 2 May 2019. ________________________________________________________________________________________ Perniagaan restoran pencuci mulut saya telah beroperasi sejak 2 Mei 2019.

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

As I know that this financing is to improve and add equipment to the central kitchen. I want an attractive restaurant and the perfect equipment to attract more customers to my restaurant. ________________________________________________________________________________________ Sebagaimana yang diketahui, dana ini akan digunakan untuk menambahbaik dan menambah peralatan di dalam dapur pusat. Saya ingin menjadikan restoran lebih menarik dan membeli peralatan yang sempurna untuk menarik lebih ramai pelanggan ke restoran saya.

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 5 ('Fair') with a Probability of Default (PD) of 10% - 20% according to an external credit bureau. The Issuer also sells online through Grab and Food Panda and so we believe they are well placed to survive through CMCO / RMCO. This Investment Note has an MR5 (Medium Risk 5) rating and so it has a medium credit quality and medium risk of default. The Issuer has other borrowings from other lenders, however, he has sufficient revenue to manage its payment of RM1,718.75 a month to microLEAP. ________________________________________________________________________________________ Pemiliknya juga Penjamin untuk pembiayaan ini dan skor I-Penjamin adalah 5 ('Adil') dengan Kebarangkalian keingkaran (PD) 10% - 20% menurut biro kredit luaran. Penerbit juga menjual secara dalam talian melalui Grab dan Food Panda dan oleh itu, kami percaya mereka berada di kedudukan yang baik untuk bertahan semasa PKPB / PKPP. Nota Pelaburan ini mempunyai penilaian MR5 (Medium Risk 5) dan oleh itu, ia mempunyai kualiti kredit sederhana dan risiko keingkaran sederhana. Penerbit mempunyai pinjaman yang lain dari institusi pembiayaan. Namun, dia mempunyai pendapatan yang cukup untuk menguruskan pembayarannya sebanyak RM1,718.75 sebulan kepada microLEAP.
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Rate of Returns
12.5% p.a
Total Gross Return on Investment
-

Funded Note

Credit Ratings
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.

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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