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NT-2104-00006

NT-2104-00006

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MR5

AFM Deals Enterprise (Bazaar Ramadhan Financing), Retail,

RM 50,000 for 36 month term. RM 50,000 funded 4 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?

We sell branded scarves such as Aidijuma, Kekaboo, and Divascarf at Bazaria Wangsa Maju / Uptown Danau Kota, and also through the online platform such as Shopee. We also sell through our Dropship agents. ______________________________________________________________________________________ Kami menjual tudung berjenama seperti Aidijuma, Kekaboo dan Divascarf di Bazaria Wangsa Maju / Uptown Danau Kota, dan secara online di Shopee dan Dropship agent.

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

The owner is the founder of AFM Deals Enterprise. We started our business in 2014. Now, we have 2 staff in Bazaria Wangsa Maju and a total of 80 people Dropship agents. ______________________________________________________________________________________ Pemilik juga merupakan pengasas kepada AFM Deals Enterprise. Kami memulakan perniagaan sejak 2014, sekarang mempunyai 2 orang pekerja di Bazaria Wangsa Maju dan Dropship Agent seramai 80 orang.

What are their future plans?

In the future, I am planning to make my own brand of scarves and more branches, especially in shopping malls. ______________________________________________________________________________________ Pada masa hadapan, saya merancang untuk membuat jenama tudung sendiri dan mempunyai lebih banyak cawangan terutama di pusat membeli-belah .

What has been their annual sales turnover?

Our annual sales for the year of 2018 until 2020 is around RM400,000 to RM600,000 a year. ______________________________________________________________________________________ Jualan tahunan kami bagi tahun 2018 hingga 2020 adalah sebanyak RM400,000 ke RM600,000 setahun.

Number of years in business?

My business has been running for 7 years. ______________________________________________________________________________________ Perniagaan saya telah beroperasi selama 7 tahun.

How would the Issuer utilise the funds raised on the platform?

The fund will be used to replenish stocks and add Dropship agents, especially for this Ramadhan. ______________________________________________________________________________________ Dana yang diberikan oleh microLEAP ini akan digunakan untuk menambah stok dan menambah Dropship Agent terutamanya untuk bulan Ramadhan ini.

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

This Investment Note is part of the Bazaar Ramadhan Financing Initiative in partnership with the MP of Wangsa Maju. Issuer has an MR5 (Medium Risk 5) rating and there is a personal guarantor for the financing. The Guarantor's I-score is 8 ('Good') with a Probability of Default of 1.5% - 2.5% according to an external credit bureau. The Issuer also sells online on Shopee and so is well placed to remain operational during MCO / CMCO. The Issuer has other borrowings from other lenders, however, he has sufficient revenue to manage its payment of RM 1,922.22 a month to microLEAP. This Investment Note has an MR5 (Medium Risk 5) rating and so it has a medium credit quality and medium risk of default. ________________________________________________________________________________________ Nota Pelaburan ini adalah sebahagian daripada Inisiatif Pembiayaan Bazar Ramadhan dengan kerjasama Ahli Parlimen Wangsa Maju. Penerbit memperolehi rating MR5 (Risiko Sederhana 5) dan pemilik adalah penjamin peribadi untuk pembiayaan. I-Skor Penjamin adalah 8 ("Good") dengan Kebarangkalian Keingkaran 1.5% - 2.5% merujuk kepada Biro Kredit. Penerbit juga menjalankan perniagaan secara dalam talian di Shopee dan mampu beroperasi ketika PKP/PKPB. Penerbit mempunyai pinjaman yang lain dari institusi pembiayaan. Namun, dia mempunyai pendapatan yang cukup untuk menguruskan pembayarannya sebanyak RM 1,922.22 sebulan kepada microLEAP. Nota Pelaburan ini mempunyai penilaian MR5 (Medium Risk 5) dan oleh itu, ia mempunyai kualiti kredit sederhana dan risiko keingkaran sederhana.
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Rate of Returns
12.8% 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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