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NT-2104-00005

NT-2104-00005

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MR6

Shirt By Adam Liew, Retail,

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?

The business is based in Kuchai Lama, Kuala Lumpur Malaysia. We are in fashion apparel solely e-commence business. My target market is male and female between 25 years to 55 years old. We sell work wear and lounge wear. We are listed in Malaysia, Singapore, Australia, United States, Hong Kong, New Zealand, Canada and Europe.
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Perniagaan ini berpusat di Kuchai Lama, Kuala Lumpur Malaysia. Kami berada dalam perniagaan pakaian fesyen. Pasaran sasaran saya adalah lelaki dan wanita berumur antara 25 tahun hingga 55 tahun. Kami menjual pakaian kerja dan pakaian santai. Kami disenaraikan di Malaysia, Singapura, Australia, Amerika Syarikat, Hong Kong, New Zealand, Canada dan Eropah.

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

In total we have 5 employees in the company, Chief Creative Director have more than 8 years experience on designing and executing ecommerce business, Pattern maker have more the 30 years experience in crafting well fitted garments, designer have more than 30 years experience on garments production, Production Assistant has more than 10 year experience on assisting the production team. Fashion merchandiser have more than 25 years experience for fashion merchandising. The fashion company started in 2014 by our chief creative director in Melbourne Australia but now back to Malaysia to leveraging on our home-grown talents. From 1 person team grown to 5 people team.
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Secara keseluruhan kami mempunyai 5 pekerja di syarikat, Ketua Pengarah Kreatif memiliki pengalaman lebih dari 8 tahun dalam merancang dan melaksanakan perniagaan e-dagang, Pembuat Corak memiliki lebih dari 30 tahun pengalaman dalam membuat pakaian yang yang dijahit, Pereka memiliki lebih dari 30 tahun pengalaman menjahit pakaian , Pembantu Pengeluaran mempunyai pengalaman lebih dari 10 tahun dalam membantu pasukan produksi. Pengedar fesyen mempunyai pengalaman lebih dari 25 tahun untuk perniagaan fesyen. Syarikat fesyen ini dimulakan pada tahun 2014 oleh ketua pengarah kreatif kami di Melbourne Australia tetapi kini kembali ke Malaysia untuk memanfaatkan bakat kami di sini. Dari seorang berkembang menjadi 5 orang dalam pasukan kami.

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

The future plan for the company is to keep the product consistency, scale the collection and expand to more markets. Cater to different daily needs. Because our company brand proposition is to solve people every day fashion challenges.
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Rancangan masa depan syarikat adalah menjaga konsistensi produk, meningkatkan koleksi dan memperluaskan ke lebih banyak pasaran. Memenuhi keperluan harian yang berbeza. Kerana cadangan jenama syarikat adalah untuk menyelesaikan masalah fesyen kita pada hari ini.

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

The annual sales turnover in short period of 1 year is RM318,000 even during the MCO and worldwide lockdown and the profit that we are achieving is very encouraging because we have gather buying customers from 8 different countries meaning said that our designs and garments is highly sellable in any countries.
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Perolehan jualan Tahunan dalam jangka masa pendek 1 tahun adalah RM318,000 walaupun semasa MCO dan penutupan di seluruh dunia dan keuntungan yang kami capai sangat memberangsangkan kerana kami telah mengumpulkan pelanggan membeli dari 8 negara yang berbeza yang bermaksud bahawa reka bentuk dan pakaian kami adalah sangat laris di mana-mana negara.

Number of years in business? / Usia perniagaan?

1 year and 4 months
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1 tahun 4 bulan

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

We will use the funds to increase our stocks and collections, to develop from home-based business to bigger group of audiences.
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Kami akan menggunakan dana untuk meningkatkan stok dan rangkaian koleksi kami, untuk mengembangkan pekerjaan dari koleksi rumah dan menumpukan kepada kumpulan yang lebih besar.

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

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. Issuer also sells in other countries so he has diversified revenue stream. The Issuer has no other borrowings and the Issuer has sufficient revenue to cover its monthly payments of RM1,551.11 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.
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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 juga menjual di negara yang lain, maka mereka mempunyai pelbagai aliran pendapatan. Penerbit tidak mempunyai pinjaman lain dan Penerbit mempunyai pendapatan yang mencukupi untuk menampung pembayaran bulanannya sebanyak RM1,551.11 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.

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Rate of Returns
13.2% 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.
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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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