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NT-2105-00020

NT-2105-00020

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MR7

Healthee U , Healthcare,

RM 20,000 for 36 month term. RM 20,000 funded 7 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?

Our business is mainly involved in beauty and health products. We provide wholesale business to some of our customers. We only sell products that is highly on demand and most of our suppliers are big companies that has popular products. In the past 5 years working experience, I have handled 3 branches in which I have achieved sales of RM5,000 to RM 10,000 a day before I made the decision to open my own business. My target customer is from children to adults. My business is located in Jerantut, Pahang and I am currently setting a new branch in Jengka, Pahang. I manage the business with the help of my wife and two of my employees.
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Perniagaan kami adalah melibatkan produk kecantikan dan kesihatan. Kami menyediakan perniagaan borong kepada sebilangan pelanggan kami. Kami hanya menjual produk yang mendapat permintaan tinggi dan kebanyakan pembekal kami adalah syarikat besar yang mempunyai produk terkemuka. Dalam pengalaman bekerja selama 5 tahun yang lalu, saya telah mengendalikan 3 cawangan di mana saya telah mencapai jualan pada RM5,000 hingga RM 10,000 sehari sebelum saya membuat keputusan untuk membuka perniagaan saya sendiri. Pelanggan sasaran saya adalah dari kanak-kanak hingga orang dewasa. Perniagaan saya terletak di Jerantut, Pahang dan saya kini sedang membina cawangan baru di Jengka, Pahang. Saya menguruskan perniagaan dengan bantuan isteri dan dua orang pekerja saya.

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

Issuer is the owner of the business. Issuer has 2 employees with more than 6 years of experience. The business has been established in April 2020. Issuer's intention is to help customers to get original product at a low price.
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Penerbit adalah pemilik perniagaan. Penerbit mempunyai 2 pekerja yang mempunyai lebih dari 6 tahun pengalaman. Perniagaan ini sudah mula bertapak sejak April 2020. Penerbit ingin membantu pelanggan mendapatkan produk yang tulen pada harga yang rendah.

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

My target is to open another new branch in the next 1 or 2 years
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Sasaran saya adalah untuk membuka cawangan baru pada 1 atau 2 tahun akan datang.

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

Our annual sales turnover for the year 2020 is RM335,613.
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Perolehan jualan tahunan kami untuk tahun 2020 adalah RM335,613.

Number of years in business? / Usia perniagaan?

My business has been operating for around a year since April 2020.
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Perniagaan saya telah beroperasi selama lebih kurang setahun semenjak April 2020

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 setup my new branch in Jengka, Pahang and buy more inventories for our business.
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Dana ini akan digunakan untuk membuka cawangan baru kami di Jengka, Pahang 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

The owner 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 other borrowings from other lenders. 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 RM 788.89 a month to microLEAP. The risk is MR7 (Medium Risk 7) and so it has an upper-medium Interest Rate and has an upper-medium Risk of Default.
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Pemiliknya 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 yang lain dari institusi pembiayaan. Terdapat beberapa pembayaran lewat untuk pinjaman perniagaan lain, tetapi dia telah mengatur pembayarannya dan sekarang menguruskannya dengan baik. Penerbit mempunyai pendapatan yang cukup untuk menguruskan pembayarannya sebanyak RM 788.89 sebulan kepada microLEAP dengan rekod prestasi pembayaran yang baik dengan peminjam lain. 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% 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.
.

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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