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NT-2112-00001

NT-2112-00001

i
MR6

Armee Ventures, Retail,

RM 30,000 for 24 month term. RM 30,000 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?

Armee Ventures started the business in January 2019. At first, we are based in Kota Bharu area before deciding to expand our business in Klang Valley. Our main focus is in the textile industry which is focusing on Batik, Songket, and Sutera. Our main customer is in the government sector and now we expanding in all sectors and target markets as we are currently focusing on social media.
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Armee Ventures memulakan perniagaan pada Januari 2019. Pada mulanya, kami bertapak di kawasan Kota Bharu sebelum membuat keputusan untuk mengembangkan perniagaan di Lembah Klang. Tumpuan utama kami adalah dalam industri tekstil yang memfokuskan kepada Batik, Songket, dan Sutera. Pelanggan utama kami adalah dalam sektor kerajaan dan kini kami berkembang dalam semua sektor dan pasaran sasaran kerana kami kini memberi tumpuan kepada media sosial.

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

Owner is an ex-mechanical and electrical engineer with a Degree in Mechanical and Manufacturing industry. He takes over the business from his mother in 2019 and focus on it. To expand his experience in Marketing, he then joins one of well-known healthcare industry in Selangor as a marketing and corporate communications.
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Pemilik perniagaan adalah bekas jurutera mekanikal dan elektrik dengan Ijazah dalam Industri Mekanikal dan Pembuatan. Dia mengambil alih perniagaan ibunya pada 2019 dan menumpukan pada Perniagaan tersebut. Untuk mengembangkan pengalamannya dalam Pemasaran, beliau kemudiannya menyertai salah satu industri penjagaan kesihatan terkenal di Selangor sebagai pemasaran dan komunikasi korporat.

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

Armee Ventures had a proper future plan to expand their business and open new branch in Bangi Sentral, Selangor. The company also will focus on doing online sales and improving their online system.
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Armee Ventures mempunyai rancangan masa depan yang baik untuk mengembangkan perniagaan mereka dan membuka cawangan baru di Bangi Sentral, Selangor. Syarikat ini juga akan memberi tumpuan dengan melakukan jualan dalam talian dan menambah baik sistem dalam talian mereka.

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

Our sales turnover in 2020 had reach RM 153,105.00.
Our sales turnover in 2021 as at August had reach RM 82,562.00.
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Jumlah dagangan kami pada tahun 2020 telah mencecah RM 153,105.00.
Jumlah dagangan kami pada tahun 2021 setakat Ogos telah mencecah RM 82,562.00.

Number of years in business? / Usia perniagaan?

Armee Ventures actually start their business in 2007. At that time the company own by Issuer's late father and operate under Armee Enterprise. In 2014, it was then taken over by his mother, in 2019, with a registration of a new company namely Armee Ventures, Issuer had fully take over the business until now.
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Armee Ventures sebenarnya memulakan perniagaan mereka pada tahun 2007. Ketika itu syarikat itu dimiliki oleh arwah bapa Penerbit dan beroperasi di bawah Armee Enterprise. Pada 2014, ia kemudiannya diambil alih oleh ibunya, pada 2019, dengan pendaftaran syarikat baharu iaitu Armee Ventures, Penerbit telah mengambil alih sepenuhnya perniagaan tersebut sehingga kini.

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

Issuer will use the funds to:
1) Spend on online marketing and sales
2) To increase staff member
3) To buy more stock and produce more items design
4) Our main focus is to raise sales and open a new branch in Bangi Sentral.

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Penerbit akan menggunakan dana untuk:
1) Berbelanja untuk pemasaran dan jualan dalam talian
2) Meningkatkan kakitangan
3) Untuk membeli lebih banyak stok dan menghasilkan lebih banyak reka bentuk item
4) Fokus utama kami adalah untuk meningkatkan jualan dan membuka cawangan baru di Bangi Sentral.

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

The Issuer's Company 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 8 (Good) with a PD of 1.5% - 2.5%. The Issuer has other borrowings from other lenders but has sufficient revenue to manage its payment of RM1,597.50 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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I-skor bagi Perniagaan penerbit dinilaikan sebagai 7 (Baik) dengan Kebarangkalian Keingkaran (PD) dari 2.5% - 5%. manakala Penjamin dinilai 8 (Good) dengan PD 1.5% - 2.5% seperti yang dinilai oleh Experian. Penerbit mempunyai pinjaman lain dari institusi pembiayaan. Namun, beliau mempunyai pendapatan yang cukup untuk menguruskan pembayarannya sebanyak RM1,597.50 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
13.9% 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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