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NT-2107-00004

NT-2107-00004

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MR7

Fu En Convenient Store, Retail,

RM 50,000 for 12 month term. RM 50,000 funded

100 % Funded

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

No, this Investment Note is Conventional / Tidak, Nota Pelaburan ini adalah konvensional

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

We are a 24-hours Convenience Store who sell Thailand, Korea, China and local convenience products from top to toe at Kajang Jade Hills area. Every generation or races is our customer. We have only 1 store operating for more than 4 years.
You may also search find out products in Lazada, Shopee, Facebook, Instagram and WeChat (24in Convenience Store).
We have a lot of good review from customer and even more than few customers ask for franchise which have evidence proved.
This will be a brand-new style of 24 hours convenience store in Malaysia market.
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Kami adalah Kedai Serbaguna 24 jam yang menjual produk Thailand, Korea, China dan tempatan di kawasan Kajang Jade Hills. Setiap generasi atau kaum adalah pelanggan kami. Kami hanya ada 1 kedai yang beroperasi lebih dari 4 tahun.
Anda juga boleh mencari mencari produk di Lazada, Shopee, Facebook, Instagram dan WeChat (24in Convenience Store).
Kami mempunyai banyak ulasan baik dari pelanggan dan bahkan beberapa pelanggan meminta francais yang mempunyai bukti yang terbukti.
Ini akan menjadi gaya serba baru kedai serbaneka 24 jam di pasaran Malaysia.

Who is the owner / key person(s) in the business?

There are two partners in this company which in charge in procurement, marketing, backend of online posting, HR and customer service. 1 person in charge in logistic and general works. 6 persons in retail assistant and cashier.
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Terdapat dua rakan kongsi di syarikat ini yang bertugas dalam perolehan, pemasaran, pengeposan dalam talian, sumber manusia dan perkhidmatan pelanggan. 1 orang yang bertanggungjawab dalam kerja logistik dan am. 6 orang pembantu runcit dan juruwang.

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

Our future plan is to provide franchisee licensing to customer who asked for franchise before and expand our business.
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Rancangan masa depan kami adalah memberikan pelesenan francaisi kepada pelanggan yang meminta francais sebelum ini dan mengembangkan perniagaan kami.

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

The first year we operated on July 2017 until June 2018 annual sales turnover is RM499,000.
From July 2018 to June 2019 is RM699,000.
From July 2019 to June 2020 is RM1.168 million.
The last year profit is around RM176k ++ as Audit report shown. Grown up every year and we believe next year will be best year for us.
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Tahun pertama kami beroperasi pada Julai 2017 hingga Jun 2018 perolehan jualan tahunan adalah RM499,000.
Dari Julai 2018 hingga Jun 2019 adalah RM699,000.
Dari Julai 2019 hingga Jun 2020 adalah RM1.168 juta.
Keuntungan tahun lalu adalah sekitar RM176k ++ seperti yang ditunjukkan oleh laporan Audit. Tumbuh dewasa setiap tahun dan kami yakin tahun depan akan menjadi tahun terbaik bagi kami.

Number of years in business? / Usia perniagaan?

4 years and 1 month
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4 tahun 1 bulan

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

With this fund, we want to purchase more chiller to fulfil customer requirements and demand on fresh vegetables and fruits. Which will also reload more products in fresh market during MCO.
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Dengan dana ini akan membeli lebih banyak penyejuk untuk memenuhi keperluan dan permintaan pelanggan pada sayur segar dan buah-buahan. Yang juga akan memuatkan lebih banyak produk di pasaran segar sebagai keperluan pandemik PKP.

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 RM4,750.00 a month to microLEAP. There have been some small late payments on the Guarantor's other loans, but he has regularised his payments and is now managing them well. 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. 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 cukup untuk menguruskan pembayarannya sebanyak RM4,750.00 sebulan kepada microLEAP. Terdapat beberapa pembayaran lewat daripada Penjamin untuk pinjaman lain, tetapi beliau telah mengatur pembayarannya dan sekarang menguruskannya dengan baik.Pemiliknya juga merupakan Penjamin untuk pembiayaan ini dan skor I-Penjamin adalah 5 ('Fair') dengan Kebarangkalian keingkaran (PD) 10% - 20% 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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