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NT-2105-00003

NT-2105-00003

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MR6

Az Tech Malaysia, Retail,

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 yang dijalankan Penerbit?

We are Az Tech Malaysia and our business is based in Selayang, Kuala Lumpur. We sell smartphones, gadgets and phone accessories through online platform such as Shopee and Lazada, and offline at our store as well.
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Kami adalah Az Tech Malaysia dan perniagaan kami bertapak di Selayang, Kuala Lumpur. Kami menjual telefon pintar, gadget, aksesori telefon melalui platform dalam talian seperti Shopee dan Lazada, dan di luar talian di kedai kami juga.

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

Issuer is the owner of the business. He has 6 employees and this business has been established on November 2019.
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Penerbit merupakan pemilik perniagaan. Dia mempunyai 6 pekerja dan perniagaan ini telah sudah mula bertapak pada November 2019.

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

We plan to sell more products and expand to other market as well.
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Kami merancang untuk menjual lebih banyak produk dan memperluaskan ke pasaran lain juga.

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

In the year 2020, we have earned a sales turnover of more than RM 10 million with a net profit of more than RM300,000.
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Bagi tahun 2020, kami telah memperolehi perolehan jualan melebihi RM10,000,000 dengan keuntungan bersih melebihi RM300,000.

Number of years in business? / Usia perniagaan?

My business has been operating for around 2 years.
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Perniagaan saya telah beroperasi di sekitar 2 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 our service and buy more inventories for our business.
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Dana ini akan digunakan untuk menambah baik servis dan membeli lebih banyak inventori untuk perniagaan kami.

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

One of the shareholders is also the Guarantor for this financing and the Guarantor's I-score is 6 ('Fair') with a Probability of Default (PD) of 5% - 10% according to an external credit bureau. The Issuer has a business loan from other institution but the Issuer has sufficient revenue to manage its payment of RM 4,708.33 a month to microLEAP. The Issuer sells his product online and so will be well positioned for any lockdowns. 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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Salah seorang pemegang saham juga Penjamin untuk pembiayaan ini dan I-skor Penjamin adalah 6 ('Fair') dengan Kebarangkalian keingkaran (PD) 5% - 10% merujuk biro kredit luaran. Penerbit mempunyai pinjaman perniagaan dari institusi lain tetapi Penerbit mempunyai pendapatan yang mencukupi untuk menguruskan pembayaran sebanyak RM 4,708.33 sebulan kepada microLEAP. Penerbit menjual produknya dalam talian dan akan berada dalam kedudukan yang baik untuk sebarang penyekatan. 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.
.

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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