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NT-2104-00002

NT-2104-00002

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MR7

Tokmad Food Industry, Food & Beverage

RM 50,000 for 36 month term. RM 50,000 funded 11 Days Left

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?

The Issuer is Tokmad Food Industry. Our main business is selling food products based on crispy smoked bananas, fish snacks, popcorn and dried jackfruit. ________________________________________________________________________________________ Penerbit adalah Tokmad Food Industry. Perniagaan utama kami adalah menjual produk makanan berasaskan pisang salai crispy, snek basreng, popcorn dan nangka kering.

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

The owner is the founder of Tokmad Food Industry. Prior to starting this business, he had 7 years of experience in the field of food handling and preparation as well as wedding and catering services. Reinforced with 7 employees who have experience in their respective fields and also have master stockists and over 3,000 agents nationwide to market product sales. ________________________________________________________________________________________ Pemilik juga merupakan pengasas kepada Tokmad Food Industry. Sebelum memulakan perniagaan ini, beliau mempunyai pengalaman selama 7 tahun bidang pengendalian dan penyediaan makanan serta perkhidmatan servis perkahwinan dan katering. Diperkuatkan dengan 7 orang pekerja yang mempunyai pengalaman dalam bidang masing-masing dan juga mempunyai stokis induk dan lebih 3,000 orang agen di seluruh negara untuk memasarkan jualan produk.

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

We want to open more branches and produce new products. This is to increase more than 50,000 entrepreneurs across Asia that sell our products. ________________________________________________________________________________________ Kami ingin membuka lebih banyak cawangan dan mengeluarkan produk baru. Ini adalah untuk melahirkan lebih daripada 50,000 orang usahawan di seluruh Asia.

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

Our sales in 5-6 months are reaching RM2,000,000 and the profit earned is very encouraging. ________________________________________________________________________________________ Jualan kami pada 5-6 bulan adalah mencapai RM2,000,000 dan keuntungan yang diperolehi adalah amat memberangsangkan.

Number of years in business? / Usia perniagaan?

Tokmad Food Industry has commenced its business starting from September 2020 until now. ________________________________________________________________________________________ Tokmad Food Industry telah memulakan perniagaan bermula pada bulan September 2020 sehingga sekarang.

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

We want to increase the capacity of employees and assets such as machines to streamline the management and operations of the company. To create advertising, to buy stock and pay suppliers. ________________________________________________________________________________________ Kami ingin menambahkan kapasiti pekerja dan aset seperti mesin untuk melancarkan pengurusan dan operasi syarikat. Untuk membuat pengiklanan, untuk membeli stok dan membayar pembekal.

The rationale behind the Issuer's Credit Risk Score - microLEAP's Comments / Rasional Skor Risiko Kredit bagi Penerbit– Komen microLEAP

The Issuer has more than sufficient revenue to cover its monthly payments of RM1,972.22 a month. The Issuer has both an online and offline business. He has diversified revenue streams which will mitigate the risk of CMCO. This investment note is guaranteed by its two shareholders, however the I-score is 4 ('Weak') with a Probability of Default (PD) score of 20%-30% according to an external credit bureau. The risk is MR7 (Medium Risk 7) and so it has an upper-medium Interest Rate and has an upper-medium Risk of Default. ________________________________________________________________________________________ Penerbit mempunyai pendapatan yang mencukupi untuk menampung pembayaran bulanannya sebanyak RM1,972.22 sebulan. Penerbit mempunyai perniagaan dalam talian dan luar talian. Oleh itu, dia mempunyai pelbagai aliran pendapatan yang akan mengurangkan risiko PKPP. Nota pelaburan ini adalah dijamin oleh kedua-dua pemegang saham, walaubagaimanapun I-skor adalah 4 (‘Lemah’) dengan Kebarangkalian Keingkaran (PD), sebanyak 20%-30% merujuk biro kredit luaran. Risikonya adalah MR7 (Risiko Sederhana 7) dan oleh itu ia mempunyai Kadar Faedah atas-menengah dan mempunyai Risiko Lalai 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.
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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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