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NT-2111-00002

NT-2111-00002

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HR8

DLB Redwhite 2, Retail,

RM 15,000 for 24 month term. RM 15,000 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?

Our business is based on online platform like Shopee and Lazada which belongs to the printing industry and distribution of Islamic religious books in retail and wholesale. Most of our customers are from all over the state and especially those who are Muslims. The market of our products is very wide and also follows the current trends of online business.
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Perniagaan kami berdasarkan platform dalam talian seperti Shopee dan Lazada yang tergolong dalam industri percetakan dan pengedaran buku-buku agama Islam secara runcit dan borong. Sebilangan besar pelanggan kami berasal dari seluruh negeri dan terutama mereka yang beragama Islam. Pasaran produk kami sangat luas dan juga mengikuti trend perniagaan dalam talian semasa.

Who is the owner / key person(s) in the business? / Siapakah pemilik / tunggak utama perniagaan ini?

The owner has 4 years of experience in the printing and distribution of school books and religious books as well as prayer and hajj accessories. Starting with 15 products in 2018 and to date, 2200 types of products have been sold and marketed.
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Pemiliknya mempunyai pengalaman selama 4 tahun dalam percetakan dan pengedaran buku sekolah dan buku agama serta aksesori solat dan haji. Bermula dengan 15 produk pada tahun 2018 dan sehingga kini 2200 jenis produk telah dijual dan dipasarkan.

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

Our plan for the future is to market more than 5,000 types of book products and 300 types of Islamic equipment products.
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Rancangan kami untuk masa hadapan adalah untuk memasarkan lebih 5,000 jenis produk buku dan 300 jenis produk peralatan Islam.

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

In 2020, the turnover was around RM114k, and this year our sales were around RM252k by the end of Sept 2021.
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Pada tahun 2020, perolehan adalah sekitar RM114k, dan tahun ini jualan kami sekitar RM252k menjelang akhir Sept 2021.

Number of years in business? / Usia perniagaan?

The business was operational in May 2017 and was registered with the SSM in April 2018 and it's has been running for 4 years.
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Perniagaan ini beroperasi pada 2017 Mei dan didaftarkan dengan SSM pada April 2018 dan telah berjalan selama 4 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 will be used to add estimation of around 3,400 different product types from different publishers and manufacturers. In addition, the funds will also be used to increase more stock on best-selling products in the market at lower prices for bulk purchases.
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Dana tersebut akan digunakan untuk penambahan sekitar 3,400 jenis produk yang berbeza dari penerbit dan pengeluar yang berbeza. Di samping itu, dana tersebut juga digunakan untuk meningkatkan stok produk terlaris di pasaran dengan harga yang lebih rendah untuk pembelian secara pukal.

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 4 (Weak) with a Probability of Default (PD) of 20 % - 30%. The Guarantor is rated 3 (Weak) with a PD of 30% - 50% as rated by Experian. This is the Issuer's 2nd financing with microLEAP and the Issuer has well-managed their payment with us with no late payment record. The issuer has sufficient revenue to manage its total payment of RM1,854.17 a month to microLEAP which includes the 2 Investment Notes. This Investment Note has an HR8 (High Risk 8) and so it has a High Interest Rate and has an High Risk of Default.
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I-skor bagi penerbit dinilaikan sebagai 4 (Lemah) dengan Kebarangkalian Keingkaran (PD) dari 20 % - 30% manakala Penjamin dinilai 3 (Lemah) dengan PD 30% - 50% seperti yang dinilai oleh Experian. Ini adalah pembiayaan ke-2 Penerbit dengan microLEAP dan Penerbit telah menguruskan pembayaran mereka dengan baik dengan kami tanpa rekod terlewat. Namun, beliau mempunyai pendapatan yang cukup untuk menguruskan pembayarannya sebanyak RM1,854.17 sebulan kepada microLEAP. Nota Pelaburan ini mempunyai penarafa HR8 (Risiko Tinggi 8) dan oleh itu ia mempunyai Kadar Faedah tinggi dan mempunyai Risiko Lalai tinggi.

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Rate of Returns
15% p.a
Total Gross Return on Investment
-

Funded Note

Credit Ratings
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.

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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