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NT-2105-00004

NT-2105-00004

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MR6

World Aquatic Resources, Retail,

RM 40,000 for 36 month term. RM 40,000 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 involved in the business based on pet shop trading which sells different kinds of small pets like hamster and ornamental fishes, all types of pet foods and also aquarium accessories. We already have few loyal customers since day one after we started this business. Currently, we only have one branch located at Kelantan and we are selling our products locally and all-around Malaysia through online platform. We are not just doing retail business, but also wholesale business.
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Kami terlibat dalam perniagaan berdasarkan perdagangan kedai haiwan peliharaan yang menjual pelbagai jenis binatang peliharaan kecil seperti hamster dan ikan hiasan, semua jenis makanan haiwan peliharaan dan juga aksesori akuarium. Kami sudah mempunyai beberapa pelanggan setia sejak hari pertama kami memulakan perniagaan ini. Pada masa ini, kami hanya mempunyai satu cawangan yang terletak di Kelantan dan kami menjual produk kami di seluruh negeri dan seluruh Malaysia melalui platform dalam talian. Kami bukan hanya menjalankan perniagaan runcit, tetapi juga perniagaan borong.

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

I am an owner for this business. I have more than 5 years experience in this business and an expert in this industry. I have a Master Degree in Aquaculture. Currently, I have 2 more staff and undergoing training until they can run the business without my supervision.
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Saya pemilik perniagaan ini. Saya mempunyai pengalaman lebih dari 5 tahun dalam perniagaan ini dan pakar dalam industri ini. Saya mempunyai Ijazah Sarjana dalam Akuakultur. Pada masa ini, saya mempunyai 2 lagi kakitangan dan menjalani latihan sehingga mereka dapat menjalankan perniagaan tanpa pengawasan saya.

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

In the next 2 to 3 years, I want to be a bigger player in my business area and become a largest wholesale company in pet food business in Kelantan. I want to expand my business and have more than 1 outlet.
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Dalam 2 hingga 3 tahun akan datang, saya ingin menjadi pemain yang lebih besar dalam bidang perniagaan saya dan menjadi syarikat borong terbesar dalam perniagaan makanan haiwan kesayangan di Kelantan. Saya ingin mengembangkan perniagaan dan mempunyai lebih daripada 1 cawangan.

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

Our annual sales turnover for the year 2020 is RM339,541.00. ________________________________________________________________________________________
Perolehan jualan tahunan kami untuk tahun 2020 adalah RM339,541.00.

Number of years in business? / Usia perniagaan?

My business has been operating for 4 years since 2017. ________________________________________________________________________________________
Perniagaan saya telah beroperasi selama 4 tahun semenjak 2017.

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

I want to use this fund to increase more stocks. I can get a cheaper price if I buy the stock at a larger quantity. Thus, my profit margin will increase.
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Saya mahu menggunakan dana ini untuk menambah lebih banyak stok. Saya dapat harga yang lebih murah jika membeli stok dengan kuantiti yang lebih besar. Oleh itu, margin keuntungan saya akan meningkat.

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 5 ('Fair') with a Probability of Default (PD) of 10% - 20% 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 also sells online, so is well placed to remain operational during MCO / CMCO. The Issuer has sufficient revenue to manage its payment of RM 1,561.11 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. ________________________________________________________________________________________
Pemiliknya juga Penjamin untuk pembiayaan ini dan I-skor Penjamin adalah 5 (‘Fair’) dengan Kebarangkalian keingkaran (PD) 10% - 20% merujuk biro kredit luaran. Terdapat beberapa pembayaran lewat untuk pinjaman perniagaan lain, tetapi dia telah mengatur pembayarannya dan sekarang menguruskannya dengan baik. Penerbit juga menjalankan perniagaan secara dalam talian, maka mampu beroperasi ketika PKP/PKPB. Penerbit mempunyai pendapatan yang mencukupi untuk menguruskan pembayarannya sebanyak RM 1,561.11 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
13.5% 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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