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NT-2104-00010

NT-2104-00010

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MR7

Biman Resources - Wangsa Maju, Services,

RM 15,000 for 24 month term. RM 15,000 funded 14 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?

Issuer is a sole-proprietorship business involved in a business based on the production of steel welding. Our customers consist of the private and government sectors and currently only have one branch located at Ampang, Selangor. _____________________________________________________________________________________ Penerbit merupakan perniagaan milikan tunggal terlibat dalam perniagaan berdasarkan kimpalan besi. Pelanggan kami terdiri dari sektor swasta dan kerajaan dan buat masa ini mempunyai satu cawangan sahaja terletak di Ampang, Selangor.

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

Issuer is an owner for the business. He has 5 employees with more than 5 years experience. This business has been established on August 2017. _____________________________________________________________________________________ Penerbit merupakan pemilikan perniagaan. Penerbit mempunyai 5 orang pekerja berpengalaman melebihi 5 tahun. Perniagaan ini sudah mula bertapak pada Ogos 2017.

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

We plan to increase the number of branches and also expand more services and products to our customers. _____________________________________________________________________________________ Kami merancang untuk menambah bilangan cawangan serta memperluaskan lebih banyak servis dan produk kepada pelanggan kami.

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

In the year of 2020, I have earned a sales turnover of around RM400,000 with a net profit of around RM90,000. _____________________________________________________________________________________ Bagi tahun 2020, saya telah memperoleh perolehan jualan sekitar RM400,000 dengan keuntungan bersih sekitar RM90,000.

Number of years in business? / Usia perniagaan?

My business has been operating for 5 years. _____________________________________________________________________________________ Perniagaan saya telah beroperasi selama 5 tahun.

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

These funds will be used to improve and buy new machines for the use of the work that we obtained. _____________________________________________________________________________________ Dana ini akan digunakan untuk menambah baik dan membeli mesin-mesin baru bagi kegunaan kerja yang kami perolehi.

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 partnership with the MP of Wangsa Maju. The Issuer has other borrowings from other lenders. However, he has sufficient revenue to manage its payment of RM810.00 a month to microLEAP with a good payment track record with other borrower. 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. The risk is MR7 (Medium Risk 7) and so it has an upper-medium Interest Rate and has an upper-medium Risk of Default. ________________________________________________________________________________________ Nota Pelaburan ini adalah sebahagian daripada Inisiatif dengan kerjasama Ahli Parlimen Wangsa Maju. Penerbit mempunyai pinjaman yang lain dari institusi pembiayaan. Namun, dia mempunyai pendapatan yang cukup untuk menguruskan pembayarannya sebanyak RM810.00 sebulan kepada microLEAP dengan rekod prestasi pembayaran yang baik dengan peminjam lain. Pemiliknya juga Penjamin untuk pembiayaan ini dan skor I-Penjamin adalah 7 ('Good') dengan Kebarangkalian keingkaran (PD) 2.5% - 5% 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
14.8% 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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