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NT-2202-00004

NT-2202-00004

i
MR7

Empayar Shas, Trading,

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 yang dijalankan Penerbit?

Issuer involved in a business dealing with import of rice and sugar and other non-durable goods
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Penerbit terlibat dalam perniagaan melibatkan import beras dan gula dan barangan lain yang tidak tahan lama.

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

The director and main shareholder is the key person of this company and has been in this industry for more than 15 years, previously the business was run under sole-proprietorship.
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Pengarah dan pemegang saham utama ialah orang penting di dalam syarikat ini dan telah berada di dalam perniagaan ini selama lebih 15 tahun, sebelum ini perniagaan ini dijalankan di bawah pemilikan tunggal.

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

Since we are a licensed importer of sugar and rice, then we have created our own brand and will be selling our products in hypermarket which will increase the profits rather than wholesale alone.
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Oleh kerana kami pengimport gula dan beras yang berlesen, maka kami telah membuat jenama kami sendiri dan akan menjual produk kami di pasar raya besar yang akan meningkatkan keuntungan berbanding jualan secara borong semata-mata.

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

Revenue 2019 : RM 33,217,816
Revenue 2020 : RM 30,132,214
Revenue 2021 : RM 31,005,142
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Hasil Jualan 2019 : RM 33,217,816
Hasil Jualan 2020 : RM 30,132,214
Hasil Jualan 2021 : RM 31,005,142

Number of years in business? / Usia perniagaan?

Our company was incorporated since 2017 but previously operating under sole proprietorship for more than 10 years.
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Syarikat kami telah diperbadankan sejak 2017 tetapi sebelum ini beroperasi di bawah pemilikan tunggal selama lebih daripada 10 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 for creating and packaging of own brand.
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Dana tersebut akan digunakan untuk mencipta dan membungkus jenama sendiri

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

As rated by Experian, the Issuer's Company i-score is rated as 8 (Good) with a PD (Probability of Default) of 1.5% to 2.5%, while the Guarantor is rated 6 (Fair) with a PD of 5% to 10%. The Issuer has borrowing from other lenders with a few previous late payments, but this has been regularized. Though the Issuer's revenue is very high, their costs are quite high as well. However, they have kept a healthy bank balance and they have sufficient revenue to manage its payment of RM2,666.67 a month to microLEAP. This Investment Note has an MR7 (Medium Risk 7) rating and so it has a Lower Medium Credit Quality and a Upper Medium Risk of Default.
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Seperti yang dinilai oleh Experian, i-skor bagi perniagaan Penerbit dinilai sebagai 8 (Baik) dengan PD (Kebarangkalian lalai) 1.5% hingga 2.5%, manakala Penjamin dinilai 6 (Fair) dengan PD 5% hingga 10 %. Penerbit mempunyai pinjaman lain dari institusi pembiayaan dengan beberapa pembayaran lewat sebelum ini, tetapi ini telah ditetapkan. Walaupun hasil jualan Penerbit adalah sangat tinggi, kos mereka juga agak tinggi. Walau bagaimanapun, mereka telah mengekalkan baki bank yang sihat dan mereka mempunyai hasil yang mencukupi untuk menguruskan pembayarannya sebanyak RM2,666.67 sebulan kepada microLEAP. Nota Pelaburan ini mempunyai penarafan MR7 (Risiko Sederhana 7) dan oleh itu ia mempunyai Kualiti Kredit Sederhana Rendah dan Risiko Sederhana Atas Kelalaian.

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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.
.

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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