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NT-2106-00015

NT-2106-00015

i
LR3

Healthcare

RM 300,000 for 2 month term. RM 300,000 funded

100 % Funded

Is this a Shariah-compliant Investment Note? / Adakah ianya Nota Pelaburan patuh Syariah?

Yes/Ya

What is the Payment Type? / Apakah Jenis Pembayaran?

This is our second short-term Shariah-compliant microLEAP+ product with the financing of RM300,000 with our highest profit rate of 1.5% a month (equivalent to 18% p.a) offered on our platform.

Investment Note payment is based on Balloon Payment method where the Issuer will make monthly Profit-only payments for the preceding months followed by a Principal + Profit payment on the final payment date. The tenor is 2 months. Please refer to the explanation below on the repayment structure for the Issuer.
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Financing Amount : RM300,000
Profit Rate : 1.5% per month (equivalent to 18% p.a)
Investment Tenor : 2 months
Payment Method : Balloon Payment

Payment Schedule :
Month 1 – RM4,500 (Profit only)
Month 2 – RM304,500 (Principal + Profit)

The Issuer has the option to fully settle the financing early.
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Ini adalah produk microLEAP + patuh Syariah jangka pendek kedua kami dengan pembiayaan RM300,000 dengan kadar keuntungan tertinggi kami 1.5% sebulan (bersamaan dengan 18% p.a) yang ditawarkan di platform kami.

Ingin dimaklumkan kepada semua Pelabur bahawa pembayaran Nota Pelaburan ini adalah berdasarkan kaedah Pembayaran Belon di mana Penerbit akan membuat pembayaran Untung bulanan sahaja dan diikuti dengan pembayaran Prinsipal + Keuntungan pada tarikh pembayaran akhir. Tempoh pembiayaan adalah selama 2 bulan. Sila rujuk penjelasan di bawah mengenai struktur pembayaran balik dari Penerbit.
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Jumlah Pembiayaan : RM300,000
Kadar Keuntungan : 1.5% sebulan (bersamaan 18% setahun)
Tenor Pelaburan : 2 bulan
Kaedah Pembayaran : Pembayaran Belon
Jadual Pembayaran Balik :
Bulan 1 – RM4,500 (Keuntungan sahaja)
Bulan 2 – RM304,500 (Prinsipal + Keuntungan)

Penerbit mempunyai pilihan untuk menyelesaikan pembiayaan lebih awal.

Who is the Issuer and what does the business do? / Siapakah Penerbit dan apakah perniagaan diceburi mereka?

The Issuer (ASR) has its humble beginnings at a shop lot in Batu Road in 1962. We started this medical supply business by selling surgical instruments, stethoscopes and enamelware for medical use.
ASR today is proud to be associated with global market leaders in health care technology – specializing in supplying the latest generation of operating theatre and patient care equipment, imaging, patient monitoring, consumables such as disinfectant and sterilization papers. ASR is also in an enviable position to have the capability and expertise to handle turnkey hospital and laboratory projects. ASR has achieved the MS ISO9001:2008 standard of excellence. It is a bumiputra-registered company with PKK and CIDB licenses.
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Penerbit ini (ASR) mempunyai permulaan yang sederhana di sebuah lot kedai di Batu Road pada tahun 1962. Kami memulakan perniagaan bekalan perubatan ini dengan menjual alat-alat pembedahan, stetoskop dan enamel untuk kegunaan perubatan.
ASR hari ini berbangga dapat dikaitkan dengan peneraju pasaran global dalam teknologi penjagaan kesihatan - yang mengkhususkan diri dalam membekalkan peralatan teater operasi dan rawatan pesakit generasi terkini, pengimejan, pemantauan pesakit, bahan habis pakai seperti kertas desinfektan dan pensterilan. ASR juga berada dalam kedudukan yang baik untuk memiliki kemampuan dan kepakaran untuk mengendalikan projek-projek hospital dan makmal turnkey. ASR telah mencapai standard kecemerlangan MS ISO9001: 2008. Ia adalah syarikat berdaftar bumiputra dengan lesen PKK dan CIDB.

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

ASR is wholly owned by its holding company and the key business is medical equipment distribution.
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ASR dimiliki sepenuhnya oleh syarikat induknya dan perniagaan utamanya adalah pengedaran peralatan perubatan.

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

We are moving into a local assembly plant to localise some medical equipment as well as expanding to overseas market.
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Kami bergerak ke kilang pemasangan tempatan untuk melokalisasikan beberapa peralatan perubatan dan juga berkembang ke pasaran luar negara.

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

The company has been maintaining an annual turnover between RM22 million to as high as more than RM29 million in the past 5 years.
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Syarikat telah mengekalkan perolehan tahunan antara RM22 juta hingga setinggi lebih dari RM29 juta dalam 5 tahun terakhir.

Number of years in business? / Usia perniagaan?

The company was incorporated in November 1962 hence we have been in the market for the past 59 years.
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Syarikat ini ditubuhkan pada bulan November 1962 oleh itu kami telah berada di pasaran selama 59 tahun.

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

To purchase medical consumables and disposable to fulfill our back order.
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Untuk membeli barang perubatan dan pakai buang untuk memenuhi permintaan balik kami.

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

This investment note is guaranteed by the Corporate Guarantor. The Corporate Guarantor’s i-Score is rated 5 ('Fair') with a Probability of Default (PD) of 10% - 20% by an external credit bureau. The Issuer requires the funds to buy stock and fulfil it's Purchase Oder from several buyers of its medical equipment. This Issuer has a Low Risk of Default, has a strong Credit Quality due to its good cash flow and good Debt Service Ratio. The Issuer currently has a healthy revenue that more than covers the monthly repayments.
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Nota pelaburan ini dijamin oleh Penjamin Korporat. I -Score Penjamin Korporat dinilai 5 (‘Fair’) dengan Kebarangkalian Lalai (PD) pada 10% - 20% oleh biro kredit luaran. Penerbit memerlukan dana untuk membeli stok dan memenuhi Pesanan Pembelian dari beberapa pembeli peralatan perubatan mereka. Penerbit ini mempunyai Risiko Kelalaian yang rendah, mempunyai Kualiti Kredit yang kuat kerana aliran tunai dan Nisbah Perkhidmatan Hutang yang baik. Penerbit pada masa ini mempunyai pendapatan yang sihat yang melebihi pembayaran balik bulanan.

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Rate of Returns
3%
(equivalent to 18% p.a)
Total Gross Return on Investment
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Funded Note

Credit Ratings
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.

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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