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NT-2107-00002

NT-2107-00002

i
MR7

Amber Office System, Retail,

RM 10,000 for 12 month term. RM 10,000 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 diceburi mereka?

Amber Office System is based in Sungai Buloh. We are supplying home & office furnitures to dealers, contractors, and corporate customers. We selling the products through online and offline. Currently, we focus on local market and soon will develop into oversea market. We have furniture factory, a sales team and a transportation team.
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Amber Office System berpusat di Sungai Buloh. Kami menyediakan perabot rumah & pejabat kepada peniaga, kontraktor, dan pelanggan korporat. Kami menjual produk melalui dalam talian dan luar talian. Pada masa ini, kami memberi tumpuan kepada pasaran tempatan dan tidak lama lagi akan berkembang menjadi pasar luar negeri. Kami mempunyai kilang perabot, pasukan penjualan dan pasukan pengangkutan.

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

Issuer and his sister started the business. We both have more than 10 years of experience in the furniture industry. We also have manufacturing & transportation businesses with around 20 staff working together with us.
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Penerbit dan adiknya memulakan perniagaan. Kami berdua mempunyai pengalaman lebih dari 10 tahun dalam industri perabot. Kami juga mempunyai perniagaan pembuatan & pengangkutan dengan sekitar 20 kakitangan bekerja sama dengan kami.

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

We want to expand our market overseas in the next 2 – 3 years. We also looking forward to include more technology in our business towards automation and to be more competitive in the market.
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Kami ingin mengembangkan pasaran kami ke luar negara dalam 2 - 3 tahun akan datang. Kami juga berharap dapat memasukkan lebih banyak teknologi dalam perniagaan kami ke arah automasi dan menjadi lebih kompetitif di pasaran.

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

Year 2018: RM300k
Year 2019: RM1.067 million
Year 2020: RM1.198 million
Our net profit is about 10-15% from the revenue.
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Tahun 2018: RM300k
Tahun 2019: RM1.067 juta
Tahun 2020: RM1.198 juta
Keuntungan bersih kami adalah sekitar 10-15% dari pendapatan.

Number of years in business? / Usia perniagaan?

The company was incorporated in September 2015 hence we are in business for more than six(6) years.
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Syarikat ini diperbadankan pada bulan September 2015 oleh itu kami menjalankan perniagaan selama lebih dari enam (6) tahun.

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

We would like to buy more stocks as now the supplier requires cash term, and also setting up our products showroom for a customer visit and sales purpose.
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Kami ingin membeli lebih banyak stok kerana sekarang pembekal memerlukan pembayaran tunai, dan juga mendirikan bilik pameran produk kami untuk tujuan pelanggan dan penjualan.

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

Issuer has sufficient revenue to manage its payment of RM950 a month to microLEAP. The Issuer also sells online through Lazada and Shopee and so we believe they are well placed to survive through MCO/ CMCO/ RMCO. The Issuer has other loan from other institution and the Issuer is managing them well. The owner is also the Guarantor for this financing and the Guarantor's I-score is 7 ('Good') with a Probability of Default (PD) of 2.5% - 5% according to an external credit bureau. 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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Penerbit mempunyai pendapatan yang mencukupi untuk menguruskan pembayaran sebanyak RM950 sebulan kepada microLEAP. Penerbit juga menjual secara dalam talian melalui Lazada dan Shopee dan oleh itu kami percaya mereka berada di kedudukan yang baik untuk bertahan melalui PKP/ PKPB/ PKPP. Penerbit mempunyai pinjaman lain dari institusi lain dan Penerbit menguruskannya dengan baik. Pemiliknya juga Penjamin untuk pembiayaan ini dan I-skor Penjamin adalah 7 ('Good') dengan Kebarangkalian Lalai (PD) 2.5% - 5% menurut biro kredit luaran. 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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