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NT-2110-00003

NT-2110-00003

i
MR6

Imagoo Trading & Distribution, Trading,

RM 100,000 for 24 month term. RM 100,000 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 yang dijalankan Penerbit?

We are a supplier for medical grade and food grade disposable gloves. Our products are supply to local food factory and also export internationally.
We are also product sourcing company for cooperate merchandise. We have 1 warehouse in Cheras, Kuala Lumpur.
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Kami adalah pembekal sarung tangan gred perubatan dan makanan. Produk kami dibekalkan ke kilang makanan tempatan dan juga eksport antarabangsa.
Kami juga merupakan syarikat sumber produk untuk bekerjasama barangan ini. Kami mempunyai 1 gudang di Cheras, Kuala Lumpur.

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

Currently we have 6 staffs. Our general manager have more than 20 years product sourcing and import experience. Our customer relation manager with more than 8 years experience on marketing and customer service, she have been work in some giant company such as google before. Next is our marketing manager with more than 7 years experience on marketing and advertisement. 1 warehouse manager and 2 general workers.
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Pada masa ini kami mempunyai 6 kakitangan. Pengurus besar kami mempunyai pengalaman sumber dan import produk lebih dari 20 tahun. Pengurus perhubungan pelanggan kami dengan pengalaman lebih dari 8 tahun dalam pemasaran dan perkhidmatan pelanggan, dia pernah bekerja di beberapa syarikat gergasi seperti google sebelumnya. Seterusnya adalah pengurus pemasaran kami dengan pengalaman lebih dari 7 tahun dalam pemasaran dan iklan. 1 pengurus gudang dan 2 pekerja am.

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

We plan to expands more gloves variety for different industry and also expand our current warehouse.
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Kami merancang untuk mengembangkan lebih banyak jenis sarung tangan untuk industri yang berbeza dan juga memperluaskan gudang kami sekarang.

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

Our annual sales turnover for the year 2020 is RM1,889,429 and for this year up to June 2021 is RM405,515.00.
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Perolehan jualan tahunan kami untuk tahun 2020 adalah RM1,889,429 dan untuk tahun ini hingga Jun 2021 adalah RM405,515.

Number of years in business? / Usia perniagaan?

We have been running product sourcing business for 3 years and gloves supply business for 2 years
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Kami telah menjalankan perniagaan sumber produk selama 3 tahun dan perniagaan menyediakan sarung tangan selama 2 tahun.

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

The fund will be use to increase variety and quantity for gloves.
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Dana ini digunakan akan digunakan untuk meningkatkan pelbagai dan kuantiti sarung tangan.

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 Guarantor is rated 6 (‘Fair’) with a Probability of Default (PD) of 5% - 10% as rated by Experian. The Issuer has no other borrowings and has sufficient revenue to manage its payment of RM5,291.67 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 dinilaikan 6 (‘Fair’) dengan Kebarangkalian Keingkaran (PD) dari 5% - 10% sepetimana yang dinilai oleh Experian. Penerbit tidak mempunyai pinjaman lain dan mempunyai pendapatan yang cukup untuk menguruskan pembayarannya sebanyak RM5,291.67 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
13.5% 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.
.

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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