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NT-2108-00001

NT-2108-00001

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MR7

Annmat Global Resources, Transportation,

RM 35,000 for 24 month term. RM 35,000 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?

Our company is luxury car rental company based in Klang Valley, and we operate from our office in Sunway. We also cover Penang and Johor for now and will be expanding to other regions soon. We have a variety of customers such as hotels, foreign oil & gas companies, and also E-hailing customers who rent vehicles from us on a monthly basis.
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Syarikat kami adalah syarikat penyewaan kereta mewah yang berpusat di Lembah Klang, dan kami beroperasi dI pejabat kami di Sunway. Syarikat kami juga meliputi ngeri di Pulau Pinang dan Johor buat masa ini dan akan berkembang ke wilayah lain tidak lama lagi. Kami mempunyai pelbagai pelanggan seperti hotel, syarikat minyak & gas, dan juga pelanggan E-hailing yang menyewa kenderaan dari kami setiap bulan.

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

The owner has 5 years of experience in the transportation (rental & leasing) industry. We started this business in 2017, with a motive to provide vehicles for individuals and companies on a long-term basis. As the E-Hailing industry was growing so did we, as more individuals needed vehicles to operate under Grab and many other platforms.
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Pemiliknya mempunyai pengalaman selama 5 Tahun dalam industri pengangkutan (penyewaan & pajakan). Kami memulakan perniagaan ini pada tahun 2017, dengan motif untuk menyediakan kenderaan untuk individu dan syarikat secara jangka panjang. Ketika industri E-Hailing berkembang, begitu juga kami, kerana lebih banyak individu memerlukan kenderaan untuk beroperasi di bawah Grab dan banyak platform lain.

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

Our future plan is to supply more vehicles for E-Hailing and also delivery riders under Lalamove and Mr.speedy, as a huge shift occurred recently with the pandemic, and demand for this kind of service is on the rise.
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Rancangan masa depan kami adalah untuk membekalkan lebih banyak kenderaan untuk E-Hailing dan juga pengedaran penghantaran di bawah Lalamove dan Mr.speedy, ini kerana perubahan besar berlaku baru-baru ini disebabkan pandemik, dan permintaan untuk perkhidmatan seperti ini semakin meningkat.

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

In our past year's 2020, the turnover was around RM900k, and this year we projected around RM1.2 million in Sales.
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Pada tahun 2020 yang lalu, perolehannya adalah sekitar RM900k, dan tahun ini kami mengunjurkan jualan sekitar RM1.2 juta.

Number of years in business? / Usia perniagaan?

The company was incorporated in March 2020, around 1 year 4 months.
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Syarikat ini ditubuhkan pada bulan March 2020, sekitar 1 tahun 4 bulan.

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

We will be increasing the number of vehicles leased.
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Kami akan meningkatkan jumlah kenderaan yang disewa.

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

The issuer has sufficient revenue to manage its payment of RM1,881 a month to microLEAP. The Issuer has other borrowings from other institutions and the Issuer is managing them well. 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. There have been 2 Trade References that the Issuer has stated that is settled. 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 RM1881 sebulan kepada microLEAP. Penerbit mempunyai pinjaman lain dari institusi lain dan Penerbit menguruskannya dengan baik. Pemiliknya juga Penjamin untuk pembiayaan ini dan I-skor Penjamin adalah 6 ('Fair') dengan Kebarangkalian Lalai (PD) 5%-10% menurut biro kredit luaran. Terdapat 2 Rujukan Perdagangan yang telah dinyatakan oleh Penerbit ianya telah diselesaikan. 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
14.5% 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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