Welcome to microLEAP. Would you like to Raise Funds or Become a P2P Investor?
NT-2104-00001

NT-2104-00001

i
MR6

Anfal Contractor Services, Agriculture,

RM 50,000 for 12 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 yang dijalankan Penerbit?

Issuer is an agriculture-based business operating in Sandakan and has commenced operation since 2019. The business has gained traction around April 2020 under the owner observation. Even during pandemic, aquaponics can be ensure steady food supply.
Issuer also supplying pesticide free vegetables and greens to the market (i.e. Pasar Besar Sandakan, Shops, Mini Markets) and also issuer received lots of orders from individual and neighbours too.
________________________________________________________________________________________
Penerbit adalah perniagaan berasaskan pertanian di Sandakan yang beroperasi sejak 2019. Penerbit ini memberikan anjakan kepada perniagaan ini sekitar April 2020 di bawah kendalian pemilik. Juga ketika pandemik, perniagaan akuaponik ini dapat meberikan bekalan makanan yang stabil.
Penerbit juga membekalkan sayur-sayuran yang bebas racun perosak ke pasar-pasar (cth. Pasar Besar Sandakan dan Kedai Pasar Mini) dan juga menerima banyak pesanan dari individu beserta jiran-jiran.

Who is the owner / key person(s) in the business? / Siapakah pemilik / tunggak utama perniagaan ini?

I have attended aquaponics classes in Netherlands in 2016, and hydroponics online class held by City Farm Malaysia. I trust my guts to start with whatever I have in hands. The best part is when I get to harvest both vegetables and fish. And now I have 2 dedicated workers who help me with seedling, packaging and maintaining the farm.
________________________________________________________________________________________
Saya pernah mengikuti kelas akuaponik di Netherlands pada tahun 2016, dan mengikuti kelas dalam talian yang telah dianjurkan oleh City Farm Malaysia. Saya percaya dengan naluri saya dalam memulakan perniagaan ini dengan menggunakan ilmu yang saya ada. Kini saya dapat menuai sayur-sayuran dan juga ikan bersama-sama dengan 2 pekerja saya yang dedikasi. Pekerja-pekerja ini yang membantu saya dalam pembenihan, pembungkusan dan juga penyelenggaraan ladang.

What are their future plans? / Apakah pelan masa depan perniagaan ini?

I want to expand the production with varieties of vegetables and greens to offer.
Right now, from home scaled business, I am going to rent a commercial space and make it an indoor aquaponics and to be the first urban farmer growing pesticide free produce using eco-friendly method.
2 years from now, I plan to purchase piece of land that I can grow vanilla and black peppers and try to get involved in animal production too, Insya'allah.
______________________________________________________________________________________
Saya ingin memperluaskan pengeluaran denagn pelbagai sayur-sayuran yang boleh ditawarkan.
Ketika ini, dari skala perniagaan dari rumah, saya bercadang untuk menyewa ruang komersial untuk dijadikan sebagai tempat akuaponik dalaman dan menjadi petani bandar pertama yang menghasilkan produk bebas racun perosak dengan menggunakan kaedah mesra alam.
2 tahun dari sekarang, saya merancang untuk membeli sebidang tanah untuk menanam vanilla dan lada hitam serta mengusahakan penternakan haiwan juga, Insya'allah.

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

For the month of June 2020 to December 2020, my turnover sales were RM102,868.82. The figure will be increased by 40% for the 1st interim of 2021 and I believe the opening of new site means I can increase the volume of production accordingly.
________________________________________________________________________________________
Bagi bulan Jun 2020 sehingga Disember 2020, jualan perolehan saya adalah sebanyak RM102,868.82. Angka tersebut akan meningkat sebanyak 40% untuk interim pertama tahun 2021 dan saya percaya dengan pembukaan tempat baru bermakna saya dapat meningkatkan jumlah pengeluaran sebaiknya.

Number of years in business? / Usia perniagaan?

April 1st is going to be one year anniversary for Anfal Contractor Services (will be known as Sandakan Oddinary Farm in the future).
________________________________________________________________________________________
1 April 2021 ini akan menjadi ulang tahun pertama bagi syarikat Anfal Contractor Services (dikenali sebagai Sandakan Oddinary Farm pada masa akan datang).

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 used to expand the production line with varieties of vegetables and greens are going to be offered.
________________________________________________________________________________________
Dana ini akan digunakan untuk memperluaskan pengeluaran sayur-sayuran yang pelbagai untuk ditawarkan.

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 6 ('Fair') with a Probability of Default (PD) of 5% - 10% according to an external credit bureau. The Issuer has no other borrowings and the Issuer has sufficient revenue to cover its monthly payments of RM 4,712.50 a month to microLEAP. 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 6 ('Fair') dengan Kebarangkalian keingkaran (PD) 5% - 10% merujuk biro kredit luaran. Penerbit tidak mempunyai pinjaman lain dan Penerbit mempunyai pendapatan yang mencukupi untuk menampung pembayaran bulanannya sebanyak RM 4,712.50 sebulan kepada microLEAP. Nota Pelaburan ini mempunyai penarafan MR6 (Risiko Sederhana 6) dan oleh itu ia mempunyai kualiti kredit sederhana-lemah dan risiko keingkaran sederhana-tinggi.

Invest Now
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.

View Funding List