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NT-2111-00005

NT-2111-00005

i
MR6

Shazie Construction 2, Engineering & Construction,

RM 130,000 for 24 month term. RM 130,000 funded 16 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?

I am Sharol, the owner of Shazie Construction local company operating in Kuching, Sarawak. Our clients are from the government sector and some are from the private sector where we run the construction industry, as well as general cleaning services.
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Saya Sharol pemilik kepada Shazie Construction adalah Syarikat bumiputera yang beroperasi di Kuching, Sarawak. Client kami adalah dari sektor kerajaan dan juga ada yang dari sektor swasta yang mana kami menjalankan industri pembinaan, dan juga perkhidmatan pembersihan am.

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

This business is sole proprietorship which is managed by myself as an owner and also an Operations Manager and has staff who handle tender documents and also clerical. At the beginning of the business only started with small works. And after believing in satisfactory job performance improvement from most clients, then I started to register the business and take up courses in related fields for better knowledge and skills.
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Perniagaan ini ialah pemilikan tunggal iaitu diuruskan saya sendiri sebagai pemilik dan juga Pengurus Operasi serta mempunyai staff yang mengendalikan dokumen tender dan juga perkeranian. Pada permulaan perniagaan hanya bermula dengan kerja-kerja kecil. Dan setelah yakin dengan peningkatan prestasi kerja yang memuaskan dari kebanyakan client, barulah saya bermula untuk berdaftar perniagaan dan mengambil kursus-kursus dalam bidang berkaitan untuk pengetahuan dan kemahiran yang lebih baik.

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

My mission and vision is to grow the business and to become our company more commercial without being limited to the government tender sector only.
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Misi dan visi saya adalah untuk memperkembangkan perniagaan dan ingin menjadikan syarikat kami lebih komersial tanpa terhad kepada sektor tender kerajaan sahaja.

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

Our company's annual profit is at a good level from year to year since the start of our company's operations in early 2018 until now. I am doing well for my business and our revenue is on an upward trend and my sales hit RM583,220 from January 2021 until September 2021. In this pandemic season, which is quite challenging, we are still able to implement projects from the government sector where it is one of the 'Essential Services' categories such as grass cutting and a few ongoing construction projects.
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Keuntungan tahunan syarikat kami di tahap yang baik dari tahun ke tahun semenjak bermula nya operasi syarikat kami pada awal tahun 2018 sehingga kini. Saya menjalankan perniagaan dengan baik dan pendapatan kami meningkat dan penjualan saya mencecah RM583,220 dari Januari 2021 hingga September 2021.Pada musim pandemik ini yang agak mencabar ini, kami masih dapat melaksanakan projek-projek daripada sektor kerajaan yang mana ianya salah satu perkhidmatan dalam kategori ‘essential service’ seperti memotong rumput dan beberapa projek pembinaan yang sedang dijalankan.

Number of years in business? / Usia perniagaan?

Our company has been operating for almost 4 years which is registered starting in February 2018
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Syarikat kami telah beroperasi hampir 4 tahun iaitu berdaftar bermula pada Februari 2018

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

Many use of funds from this platform such as company working capital. We can improve any of our work equipment and machinery, equipment for construction work, and so on. With this working capital, we can also cover our cost for hardware suppliers while waiting for payment/claim of project funding from the government. With careful management of the company's expenses as well as the existing experience of our company, we are confident of managing the company's operations better and in the future.
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Banyak kegunaan dari wang platform ini seperti pusingan modal syarikat. Kami juga dapat menambah baik apa-apa peralatan kerja kami seperti mesin memotong rumput, peralatan untuk kerja-kerja construction dan sebagainya. Dengan adanya modal pusingan ini juga kami dapat menambah modal yang telah banyak digunakan untuk kos membayar pembekal perkakasan, dan sebagainya sementara menunggu pembayaran / claim wang projek daripada pihak kerajaan. Dengan pengurusan yang teliti dalam perbelanjaan syarikat serta pengalaman sedia ada pada syarikat kami, kami yakin dapat mengurus operasi syarikat dengan lebih baik dan juga dimasa akan datang.

The rationale behind the Issuer's Credit Risk Score - microLEAP's Comments

This is the second Investment Note from this Issuer. The Issuer i-score is rated as 7 (Good) with a Probability of Default (PD) of 2.5% - 5% as rated by Experian, while the Guarantor is rated 5 (Fair) with a PD of 10% - 20%. The Issuer has other borrowings from other lenders, but has sufficient revenue to manage its payment of RM6,857.50 a month to microLEAP with a good payment track record with other borrowers. 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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Ini merupakan Nota Pelaburan kedua oleh Penerbit. I-skor bagi penerbit dinilaikan sebagai 7 (Baik) dengan Kebarangkalian Keingkaran (PD) dari 2.5% - 5%. manakala Penjamin dinilai 5 (Fair) dengan PD 10% - 20% seperti yang dinilai oleh Experian. Penerbit mempunyai pinjaman lain dari institusi pembiayaan. Namun, beliau mempunyai pendapatan yang cukup untuk menguruskan pembayarannya sebanyak RM6,857.50 sebulan kepada microLEAP dengan rekod pembayaran yang baik dengan peminjam lain.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
13.3% p.a
Total Gross Return on Investment
-


Terms & Conditions Apply

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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