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NT-2106-00009

NT-2106-00009

i
MR6

Afeyze Armani, Retail,

RM 20,000 for 36 month term. RM 20,000 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 selling local coffee product as a retailer and perfume that is imported from France as a wholesaler. Our customers mainly from all races including Malay, Chinese, Indian, and others. Among our coffee products are Kopi Mahaguru, Teh Mahaguru, Teh-O Ais Limau Bali, and our best-selling product which is Kopi Srikandi. Besides, perfume products that we are selling are all imported from France and then we will do the alteration on the products before selling to retailers. However, our major business income comes from coffee products, while the minor incomes come from perfume products as our perfume is still under development.
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Kami menjual kopi tempatan secara runcit dan minyak wangi yang diimport dari Perancis, dijual secara borong. Pelanggan kami terdiri daripada pelbagai bangsa termasuk Melayu, Cina, India dan lain-lain. Antara produk kopi tempatan yang dijual adalah Kopi Mahaguru, Teh Mahaguru, Teh O-Ais Limau Bali dan produk terlaris kami yang mendapat sambutan hangat adalah Kopi Srikandi. Selain itu, minyak wangi yang diimport dari Perancis tersebut akan melalui proses pengubahsuaian sebelum dijual kepada peniaga runcit. Walau bagaimanapun, pendapatan utama perniagaan adalah dari jualan kopi oleh kerana produk minyak wangi kami masih lagi dalam proses penambahbaikan.

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

Afeyze Armani is a family business and has been more than 5 years in the industry. This business is handled within family members in which we have a director, one manager, four people for sales and marketing and two people that handle delivery process.
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Afeyze Armani adalah perniagaan keluarga dan telah berkecimpung lebih dari 5 tahun dalam industri. Perniagaan ini diuruskan di kalangan ahli keluarga dimana kami mempunyai seorang pengarah, seorang pengurus perniagaan, empat orang yang mengendalikan jualan dan pemasaran dan dua orang dalam mengendalikan proses penghantaran.

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

We are planning to boost our marketing by having a billboard and engage a product ambassador to introduce our product to bigger crowd. Other than that, our market development strategy is to penetrate Asian market and export our products to Singapore and Indonesia. Besides, we also plan to boost our sales by entering local market such as Aeon, Tesco, and 99Speedmart.
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Kami merancang untuk meningkatkan pemasaran kami dengan memiliki papan iklan dan melibatkan duta produk untuk memperkenalkan produk kami kepada orang ramai. Selain itu, strategi pengembangan pasar kami adalah untuk menembusi pasaran Asia dan mengeksport produk kami ke Singapura dan Indonesia. Selain itu, kami juga merancang untuk meningkatkan penjualan kami dengan memasuki pasaran tempatan seperti Aeon, Tesco, dan 99Speedmart.

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

Our annual sales turnover for the year 2020 is RM 325,598, for year 2019 is RM 239,858 and for 2018 is RM 200,598.
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Perolehan jualan tahunan kami untuk tahun 2020 adalah RM 325,598, untuk tahun 2019 adalah RM 239,858 dan untuk 2018 adalah RM 200,598.

Number of years in business? / Usia perniagaan?

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

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

We intend to use the fund for two main purposes in which for working capital and purchasing of coffee packaging as well for the development of our perfume. As we will reserve the internal fund to buy the coffee product from suppliers, we need an additional fund for boosting up the development and the branding of our perfume. Our internal fund from the sales of our coffee is solid and consistent enough to cover all the expenses and commitment as well, we are confident that we can repay the fund promptly and cope with the challenges of MCO effectively.
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Kami berhasrat untuk menggunakan dana yang diberikan untuk dua tujuan utama iaitu untuk modal kerja dan pembelian pembungkusan kopi serta pengembangan produk minyak wangi kami. Oleh kerana kami menyimpan dana dalaman untuk pembelian stok kopi dari pembekal, kami memerlukan dana tambahan untuk meningkatkan pengembangan dan penjenamaan produk minyak wangi kami. Dana dalaman kami dari penjualan kopi kami cukup kukuh dan konsisten untuk menampung semua perbelanjaan dan komitmen juga, kami yakin dapat membayar balik dana dengan segera dan menghadapi cabaran PKP dengan efektif.

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

The Issuer has Personal Guarantor for this financing and the Guarantor i-Score is rated 7 ('Good') with a Probability of Default (PD) of 2.5% - 5% by an external credit bureau. The Issuer also sells online through Facebook and Shopee and so we believe they are well placed to survive through MCO/ CMCO/ RMCO. The Issuer has other borrowings from other lenders, there have been one-time late payments on the Issuer's other loans, but he has regularised his payments and is now managing them well. He has sufficient revenue to manage its payment of RM 787.22 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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Penerbit mempunyai Penjamin Peribadi untuk pembiayaan ini dan i-Skor Penjamin dinilai 7 ('Good') dengan Kebarangkalian Keingkaran (PD) dari 2.5% - 5% oleh Agensi kredit. Penerbit juga menjual secara dalam talian melalui Facebook dan Shopee dan oleh itu, kami percaya mereka berada di kedudukan yang baik untuk bertahan semasa PKP/ PKPB/ PKPP. Penerbit mempunyai pinjaman yang lain dari institusi pembiayaan, terdapat satu kali pembayaran lewat daripada Penerbit untuk pinjaman lain, tetapi beliau telah mengatur pembayarannya dan sekarang menguruskannya dengan baik. Namun, dia mempunyai pendapatan yang cukup untuk menguruskan pembayarannya sebanyak RM 787.22 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
13.9% 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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