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NT-2109-00003

NT-2109-00003

i
MR6

TH Advance Services, Services,

RM 100,000 for 12 month term. RM 100,000 funded 8 Days Left

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 business is based in Klang, Selangor. We supply and install the security products, as well as the mechanical and electrical (M&E) works. We do help customers to install the CCTV at their housing. Not only that, we also get the job from the construction site to do the M&E works. The services covered the whole of West Malaysia. Currently, there is only 1 branch which is located in Klang.
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Perniagaan kami berpusat di Klang, Selangor. Kami membekalkan dan memasang produk keselamatan, serta kerja mekanikal dan elektrikal (M&E). Kami membantu pelanggan memasang CCTV di perumahan mereka. Bukan itu sahaja, kami juga mendapat pekerjaan dari tapak pembinaan untuk membuat kerja P&E. Perkhidmatan merangkumi seluruh Malaysia Barat. Pada masa ini, hanya ada 1 cawangan yang terletak di Klang.

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

The owner of this business has more than 10 years of experience in this field. He has 5 workers to help him at the construction site there.
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Pemilik perniagaan ini mempunyai pengalaman lebih dari 10 tahun dalam bidang ini. Dia mempunyai 5 pekerja untuk membantunya di tapak pembinaan di sana.

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

We plan to expand our business by increasing the business size and the number of staff.
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Kami merancang untuk mengembangkan perniagaan kami dengan meningkatkan saiz perniagaan dan jumlah kakitangan.

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

The annual sales turnover since 2019 has achieved a significant improvement.
2019: sales=RM102,299; profit=RM51,866
2020: sales= RM229,083; profit=RM148,623
2021 (Jan 2021 - Aug 2021): sales= RM179,344; profit=RM149,253
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Perolehan jualan tahunan sejak 2019 telah mencapai peningkatan yang ketara.
2019: jualan = RM102,299; Keuntungan = RM51,866
2020: jualan = RM229,083; Keuntungan = RM148,623
2021 (Jan 2021 - Ogo 2021): jualan = RM179,344; Keuntungan = RM149,253

Number of years in business? / Usia perniagaan?

The business registered in March 2018, and the business have been running for 3 years.
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Perniagaan ini didaftarkan pada bulan Mac 2018, dan perniagaan ini telah beroperasi selama 3 tahun.

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

This fund is used to buy the security products and as the working capital.
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Dana ini digunakan untuk membeli produk keselamatan dan sebagai modal kerja.

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

The Issuer i-score is rated as non-scored (‘N/A’) while the Personal Guarantor is rated 7 (‘Good’) with a Probability of Default (PD) of 2.5% - 5% as rated by Experian. The Issuer has no other borrowings and has sufficient revenue to manage its payment of RM9,425 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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I-skor bagi penerbit dinilaikan sebagai tiada skor (‘N/A’) manakala Penjamin Peribadi dinilaikan 7 (‘Good’) dengan Kebarangkalian Keingkaran (PD) dari 2.5% - 5% sepetimana yang dinilai oleh Experian. Penerbit tidak mempunyai pinjaman lain dan mempunyai pendapatan yang cukup untuk menguruskan pembayarannya sebanyak RM9,425 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
13.1% 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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