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NT-2110-00007

NT-2110-00007

i
MR7

Sunrise Two Cleaning Services, Services,

RM 50,000 for 24 month term. RM 50,000 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?

Issuer office is based in Taman Gembira, Kuala Lumpur. Issuer main business involved in providing disinfection & cleaning services to offices, airbnb, residences and etc. Issuer services covers the whole Klang Valley area.
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Pejabat penerbit berpusat di Taman Gembira, Kuala Lumpur. Perniagaan utama pengeluar terlibat dalam menyediakan perkhidmatan nyah kuman & pembersihan ke pejabat, airbnb, kediaman dan lain-lain. Perkhidmatan penerbit meliputi seluruh kawasan Lembah Klang.

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

The key person of this business has over 6 years experience in this business. The business currently have 8 staff consists of 1 accountant, 1 administration staff and our on-site disinfectant/cleaning team of 6 people.
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Orang utama perniagaan ini mempunyai pengalaman lebih 6 tahun dalam perniagaan ini. Perniagaan pada masa ini mempunyai 8 kakitangan terdiri daripada 1 akauntan, 1 kakitangan pentadbiran dan pasukan pembasmi kuman/pembersihan di tapak kami seramai 6 orang.

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

Our future plans are to add and buy new types of equipment to allow us to better serve our customers. Also, we are looking to open two new branches in the Klang Valley area to increase our customer based as well to reach more customers.
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Rancangan masa depan kami adalah untuk menambah dan membeli jenis peralatan baharu untuk membolehkan kami memberi perkhidmatan yang lebih baik kepada pelanggan kami. Selain itu, kami sedang mencari untuk membuka dua cawangan baharu di kawasan Lembah Klang untuk meningkatkan pelanggan kami juga untuk menjangkau lebih ramai pelanggan.

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

In year 2020, we made an annual sales of RM620,742 and a net profit of RM150,727. From January 2021 up to May 2021, we made RM286,225 of sales and a net profit of RM88,629.
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Pada tahun 2020, kami membuat jualan tahunan sebanyak RM620,742 dan untung bersih RM150,727. Dari Januari 2021 hingga Mei 2021, kami memperoleh RM286,225 jualan dan untung bersih RM88,629.

Number of years in business? / Usia perniagaan?

Sunrise Two Cleaning Services has been in business for 6 years.
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Sunrise Two Cleaning Services telah beroperasi selama 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?

The funds raised in microLEAP platform will be used to purchase equipment and hire more staff. During this pandemic period, we have faced a rise in the demand for cleaning and disinfecting services. By increasing our number of staff and purchase more equipment will allow us to better serve our customers.
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Dana yang diperoleh dalam platform microLEAP akan digunakan untuk membeli peralatan dan mengupah lebih ramai kakitangan. Semasa tempoh pandemik ini, kami telah menghadapi peningkatan dalam permintaan untuk perkhidmatan pembersihan dan nyah kuman. Dengan menambah bilangan kakitangan kami dan membeli lebih banyak peralatan akan membolehkan kami memberi perkhidmatan yang lebih baik kepada pelanggan kami.

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 8 (Good) with a Probability of Default (PD) of 1.5% - 2.5%. The Guarantor is rated 4 (Weak) with a PD of 20% - 30% as rated by Experian. The Issuer has other borrowings from other lenders. However, he has sufficient revenue to manage its payment of RM2,666.67 a month to microLEAP with a good payment track record with other borrowers. This Investment Note has an 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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I-skor bagi penerbit dinilaikan sebagai 8 (Baik) dengan Kebarangkalian Keingkaran (PD) dari 1.5% - 2.5% manakala Penjamin dinilai 4 (Lemah) dengan PD 20% - 30% seperti yang dinilai oleh Experian. Penerbit mempunyai pinjaman lain dari institusi pembiayaan. Namun, beliau mempunyai pendapatan yang cukup untuk menguruskan pembayarannya sebanyak RM2,666,67 sebulan kepada microLEAP dengan rekod pembayaran yang baik dengan peminjam lain. Nota Pelaburan ini mempunyai penarafan 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.
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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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