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NT-2105-00002

NT-2105-00002

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MR6

Are Wall, Engineering & Construction,

RM 50,000 for 12 month term. RM 50,000 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?

We are a business based in Kuala Lumpur. We involved in precast retaining wall business and a specialist contractor. Our products & services are offered throughout the whole Malaysia including Sabah & Sarawak. Our customers range from government agencies such as JKR, DBKL, MOF, LLM, private developers, main contractors for infrastructure & building, private home owners etc. Our markets involve any slope rectification workers, land reclamation, embankment stabilization & bridge construction.
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Kami merupakan perniagaan yang berpusat di Kuala Lumpur. Kami terlibat dalam perniagaan pracetakan tembok penahan dan merupakan kontraktor pakar. Produk & perkhidmatan kami ditawarkan di seluruh Malaysia termasuk Sabah & Sarawak. Pelanggan kami terdiri daripada agensi kerajaan seperti JKR, DBKL, MOF, LLM dll, pemaju swasta, kontraktor utama untuk infrastruktur & bangunan, pemilik rumah persendirian dan lain-lain. Pasaran kami melibatkan pekerja pembetulan cerun, penambakan tanah, penstabilan tambak & pembinaan jambatan.

Who is the owner / key person(s) in the business? / Siapakah Pemilik / Tunggak Utama perniagaan?

Issuer is the founder and owner of this company. He has over 20 years experience in this field. They have more than 20 staff (5 technical & 15 field staff) with a combine experience of more than 100 year in the industry. The business founder started working with BBR Singapore as a site engineer and from there he gained valuable experience in the precast industry. After 5 years in Singapore, he came back & joined PATI who was the pioneer in slope rehabilitation works and he worked as a manager there for almost 3 years before he decided to came out on his own and found the company.
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Penerbit adalah pengasas dan pemilik kepada syarikat ini. Dia mempunyai pengalaman lebih dari 20 tahun dalam bidang ini. Mereka mempunyai lebih dari 20 kakitangan (5 kakitangan teknikal & 15 kakitangan lapangan) dengan pengalaman gabungan melebihi 100 tahun dalam industri. Pengasas perniagaan mula bekerja dengan BBR Singapura sebagai jurutera lapangan dan dari sana dia memperoleh pengalaman berharga dalam industri pracetak. Setelah 5 tahun di Singapura, dia kembali & menyertai PATI yang merupakan pelopor dalam kerja pemulihan cerun dan dia bekerja sebagai pengurus di sana selama hampir 3 tahun sebelum dia memutuskan untuk keluar sendiri dan menubuhkan syarikat.

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

The company will continuously expand its product range and diversity into other wider field of construction aspect as a part of the company long term plan. We will seek cooperation with overseas partners to venture into new technologies which can apply in the Malaysian market.
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Syarikat akan terus mengembangkan rangkaian produk dan kepelbagaian bidang pembinaan yang lebih luas dari aspek perancangan jangka panjang syarikat. Kami akan meminta kerjasama dengan rakan luar negara untuk menceburi teknologi baru yang dapat diterapkan di pasaran Malaysia.

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

Our annual sales turnover for the year 2020 is RM7.653 million, 2019 is RM9.953 million and 2018 is RM10.677 million
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Hasil jualan tahunan kami pada tahun 2020 adalah RM7.653 juta, 2019 adalah RM9.953 juta dan 2018 adalah RM10.677 juta.

Number of years in business? / Usia perniagaan?

We have been operating for more than 20 years
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Kami telah beroperasi lebih daripada 20 tahun

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

We would like to invest the fund in the machinery i.e backhoe, excavator and to buy more concrete stocks for future projects.
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Kami ingin melaburkan dana dalam mesin seperti backhoe, excavator dan untuk membeli lebih banyak stok konkrit untuk projek masa depan.

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 8 ('Good') with a Probability of Default (PD) of 1.5% - 2.5% according to an external credit bureau. There have been some small late payments on the Issuer's other business loans, but he has regularised his payments and is now managing them well. The Issuer has sufficient revenue to manage its payment of RM4,708.33 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 8 (‘Good’) dengan Kebarangkalian keingkaran (PD) 1.5% - 2.5% merujuk biro kredit luaran. Terdapat beberapa pembayaran lewat untuk pinjaman perniagaan lain, tetapi dia telah mengatur pembayarannya dan sekarang menguruskannya dengan baik. Penerbit mempunyai pendapatan yang mencukupi untuk menguruskan pembayarannya sebanyak RM4,708.33 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% 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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