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NT-2104-00007

NT-2104-00007

i
MR7

Bydani Enterprise (Bazaar Ramadhan Financing), Food & Beverage,

RM 10,000 for 18 month term. RM 10,000 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?

Our business Bydani Enterprise is a Kuala Lumpur based sole-proprietorship. We involved in the business of selling food like nachos, meatball, fries and many others. Alhamdulillah, for now our business located at a main attraction for a lot of visitors and customers, at Bazaria Wangsa Maju. We are operating 6 days a week from 6.00 PM until 2.00 AM.
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Perniagaan kami Bydani Enterprise adalah perniagaan jenis milikan tunggal. Kami terlibat dalam perniagaan dalam menjual makanan seperti nachos, bebola daging, kentang goreng dan pelbagai lagi. Alhamdulillah, buat masa sekarang perniagaan kami terletak di kawasan tarikan utama bagi ramai pengunjung dan pelanggan. Kami beroperasi selama 6 hari seminggu dari 6.00 petang hingga 2.00 pagi.

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

Issuer is the owner of the business. Issuer has 3 employees with 7 years of experience in this field.
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Penerbit adalah pemilik kepada perniagaan ini. Penerbit mempunyai 3 orang pekerja dengan 7 tahun pengalaman dalam bidang ini.

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

My plan is to expand our business to several branches inside and outside of the area in the future.
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Perancangan saya adalah untuk memperluaskan perniagaan kepada beberapa cawangan di dalam dan diluar kawasan pada masa akan datang.

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

Our sales turnover range from RM50,000 – RM110,000 per year.
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Hasil perolehan jualan tahunan kami adalah dalam anggaran RM50,000 - RM110,000 setahun.

Number of years in business? / Usia perniagaan?

Our business has commenced for more than 4 years since January 2017.
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Perniagaan kami telah beroperasi lebih dari 4 tahun sejak dari Januari 2017.

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

This financing can help us to increase stocks and increase our sales especially during fasting month by taking part in Ramadhan bazaar.
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Dana pembiayaan ini dapat membantu kami utk menambahkan lagi stok-stok barangan dan jualan terutamanya ketika bulan puasa dengan mengambil bahagian di bazar Ramadhan.

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

This Investment Note is part of the Bazaar Ramadhan Financing Initiative in partnership with the MP of Wangsa Maju. The Issuer has more than sufficient revenue to cover its monthly payments of RM680.56 a month. Issuer can generate more revenue especially during this fasting month. This investment note has two guarantors, the owner himself and third-party guarantor who's the I-score is 6 ('Fair') with a Probability of Default (PD) score of 5%-10% 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.
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Nota Pelaburan ini adalah sebahagian daripada Inisiatif Pembiayaan Bazar Ramadhan dengan kerjasama Ahli Parlimen Wangsa Maju. Penerbit mempunyai pendapatan yang mencukupi untuk menampung pembayaran bulanannya sebanyak RM680.56 sebulan. Penerbit boleh menjana lebih banyak pendapatan terutamanya ketika bulan puasa ini. Nota pelaburan ini adalah dijamin oleh pemilik perniagaan dan penjamin pihak ketiga, I-skor adalah 6 (‘Fair’) dengan Kebarangkalian Keingkaran (PD) sebanyak 5%-10% menurut 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
15% 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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