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NT-2104-00011

NT-2104-00011

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MR6

Cempaka Risya Ventures, Retail,

RM 50,000 for 36 month term. RM 50,000 funded 19 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 are Cempaka Risya Ventures. Our business is based in Jitra, Kedah. We are involved in the jewellery industry. We sell jewellery and high valued goods to our customers through online and offline platform. Our customers mainly come from online platforms such as Facebook & Telegram. We are also doing our best to introduce ourselves to the offline market, we are going to open our new and first offline outlet in Jitra, Kedah called “Nourza Gold”. ________________________________________________________________________________________ Kami adalah Cempaka Risya Ventures. Perniagaan kami bertapak di Jitra, Kedah. Kami terlibat dalam industry barang kemas. Kami menjual barang kemas dan barangan nilai tinggi kepada pelanggan secara dalam talian dan luar talian. Kebanyakan dari pelanggan kami adalah daripada platform secara dalam talian seperti Facebook dan Telegram. Kami sedang melakukan yang terbaik untuk memperkenalkan perniagaan kami ke pasaran luar talian, kami akan membuka cawangan kedai luar talian yang baru dan pertama di Jitra, Kedah yang bernama "Nourza Gold".

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

Issuer is the owner of the business. She is 32 years old and has 5 years of experience in the online business, 1 year of experience selling other products and 4 years selling jewellery. Currently, she has 3 staff under her. Her strongest experience is in selling jewellery in which she generated millions of sales for the past 4 years. Cempaka Risya Ventures is currently the only business the Issuer owned. In the beginning of her business journey, she started as a dropship for other suppliers in the jewellery and high valued goods such as handbags and handbags keychains. Then, she quickly learns the loops and hold of the industries and started her own business in 2018. The first capital injected was RM5000, money she owed from her sister. From there on, Cempaka Risya Ventures was officially born and sustain until now. ________________________________________________________________________________________ Penerbit merupakan pemilik kepada perniagaan ini. Dia berumur 32 tahun dan mempunyai 5 tahun pengalaman dalam menguruskan perniagaan secara dalam talian, 1 tahun pengalaman dalam menjual barangan lain dan 4 tahun dalam menjual barangan kemas. Kini, dia mempunyai 3 pekerja dibawahnya. Pengalaman terkuatnya adalah menjual barangan kemas di mana dia menjana jutaan penjualan selama 4 tahun. Cempaka Risya Ventures merupakan satu-satunya perniagaan yang dimiliki Penerbit pada masa ini. Pada awal perjalanan perniagaannya, dia bermula sebagai 'dropship' untuk pembekal barang kemas yang lain dan barangan nilai tinggi seperti beg tangan dan beg tangan berantai. Kemudian, dia mengambil pengalaman tersebut untuk mengisi jurang di dalam industri tersebut dan beliau telah memulakan perniagaan sendiri pada tahun 2018. Modal pertama yang disuntik adalah sebanyak RM5,000 yang dipinjam dari kakaknya. Dari situ, Cempaka Risya Ventures ditubuhkan dan bertahan sehingga kini.

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

Our future plan was to venture in the offline market, at the same time continue our business in the online market. This year we are opening our first outlet in Jitra, kedah. Our next plan was to open our next outlet in Alor Setar, Kedah. We are planning to capture the market in Perlis and Kedah in the next 2 to 3 years. ________________________________________________________________________________________ Rancangan masa depan kami adalah untuk menceburi pasaran di luar talian dan pada masa yang sama untuk meneruskan perniagaan kami di pasaran di dalam talian. Pada tahun ini, kami telah membuka cawangan pertama kami di Jitra, Kedah. Rancangan kami seterusnya adalah untuk membuka cawangan kedua di Alor Setar, Kedah. Kami juga merancang untuk menguasai pasaran di Perlis dan Kedah dalam 2 hingga 3 tahun akan datang.

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

Our annual sales turnover for the year 2018 is RM1.853 million, for the year 2019 is RM2.466 million and for the year 2020 is RM3.284 million. ________________________________________________________________________________________ Perolehan jualan tahunan bagi tahun 2018 adalah sebanyak RM1.853 million, bagi tahun 2019 adalah sebanyak RM2.466 million dan bagi tahun 2020 adalah RM3.284 million.

Number of years in business? / Usia perniagaan?

The business was commenced since October 2017, almost 3 years and 6 months. ________________________________________________________________________________________ Perniagaan ini telah dimulakan pada Oktober 2017, hampir 3 tahun dan 6 bulan.

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

The fund would be used to complete the renovation of our first outlet and to buy more jewellery stock to be displayed in our brand new outlet. We estimate about 20% of the fund would be used for renovation of the outlet. The rest will be used to restock our jewellery stocks. ________________________________________________________________________________________ Dana ini akan digunakan untuk menyiapkan pengubahsuaian cawangan pertama kami dan untuk membeli lebih stok jualan barang kemas untuk dipamerkan di kedai kami. Kami menganggarkan sebanyak sekitar 20% daripada dana akan digunakan untuk pengubahsuaian kedai dan selebihnya akan digunakan untuk pembelian stok barang kemas.

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

The Issuer has a Guarantor for this financing and the Guarantor is rated 7 ('Good') with a Probability of Default (PD) score of 2.5% - 5% according to an external credit bureau. The Issuer also sells online and so is well placed to remain operational during MCO / CMCO. The Issuer has no other borrowings and the Issuer has sufficient revenue to cover its monthly payments of RM 1,930.56 a month to microLEAP. Though the Issuer's revenue is very high, her cost of sales are high as well but she has managed this well and has retained some good profit throughout the years. 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. ________________________________________________________________________________________ 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 menjalankan perniagaan secara dalam talian dan dijangkakan mampu bertahan untuk beroperasi ketika PKP/PKPB. Penerbit tidak mempunyai pinjaman lain dan Penerbit mempunyai pendapatan yang mencukupi untuk menampung pembayaran bulanannya sebanyak RM 1,930.56 sebulan kepada microLEAP. Walaupun pendapatan Penerbit adalah tinggi, kos penjualannya juga tinggi tetapi dia berjaya menguruskan dengan baik dan mengekalkan beberapa keuntungan yang baik selama bertahun-tahun. 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% 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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