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NT-2202-00005

NT-2202-00005

i
MR5

Sri Rjy, Logistics,

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?

Our business is located in Damansara Damai. Our core business is to provide logistic business and transportation services. We cooperate with Shopee, Lazada, Poslaju and DHL. We are handling with the region of sending the parcel every day. Our main customer is DHL Ecommerce (Malaysia) Sdn Bhd. We are dealing with DHL Malaysia with more than 5 regions under our company.
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Perniagaan kami terletak di Damansara Damai. Perniagaan teras kami adalah untuk menyediakan perniagaan logistik dan perkhidmatan pengangkutan. Sebagai contoh, kami bekerjasama dengan Shopee, Lazada, Poslaju dan DHL. Kami mengendalikan kawasan penghantaran bungkusan setiap hari. Pelanggan utama kami ialah DHL eCommerce (Malaysia) Sdn Bhd. Kami telah berurusan dengan DHL Malaysia dengan lebih daripada 5 wilayah di bawah syarikat kami.

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

Business owner is the director of this company and he started the business in June 2018. Our sales have increased every year and we have received more business opportunities with the logistic company. Especially during the pandemic time, our sales have increased more than 50% compared to previous year.
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Pemilik perniagaan adalah pengarah syarikat ini dan beliau memulakan perniagaan pada Jun 2018. Jualan kami meningkat setiap tahun dan kami telah menerima lebih banyak peluang perniagaan dengan syarikat logistik. Terutamanya semasa waktu pandemik, jualan kami telah meningkat lebih daripada 50% berbanding tahun sebelumnya.

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

We are planning to expand our business to more areas especially in Kuala Lumpur and Selangor. Will increase our manpower, lorry and set up a new office in the future.
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Kami merancang untuk mengembangkan perniagaan kami ke lebih banyak kawasan terutamanya di Kuala Lumpur dan Selangor. Kami akan menambah bilangan lori, serta tenaga kerja kami dan menubuhkan pejabat baru pada masa hadapan.

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

Revenue 2019 : RM101,428
Revenue 2020 : RM108,859
Revenue 2021 (Jan until November) : RM311,864
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Hasil Jualan 2019 : RM101,428
Hasil Jualan 2020 : RM108,859
Hasil Jualan 2021 (Jan sehingga November) : RM311,864

Number of years in business? / Usia perniagaan?

We have running this business for 4 years since 2018.
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Perniagaan saya telah beroperasi selama 4 tahun semenjak 2018.

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

We will use the funding to increase our manpower, lorry driver and get more business in the future.
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Kami akan menggunakan pembiayaan untuk menambah tenaga kerja kami, pemandu lori dan mendapatkan lebih banyak perniagaan pada masa hadapan.

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 7 (Good) with a Probability of Default (PD) of 2.5% - 5%, 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 RM2,604.17 a month to microLEAP with a good payment track record with other borrowers. This Investment Note has an MR5 (Medium Risk 5) rating and so it has a medium credit quality and medium risk of default.
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Seperti yang dinilai oleh Experian, I-skor bagi Perniagaan penerbit dinilaikan sebagai 7 (Baik) dengan Kebarangkalian Keingkaran (PD) dari 2.5% - 5%, manakala Penjamin dinilai 5 (Sederhana) dengan PD 10% - 20%. Penerbit mempunyai pinjaman lain dari institusi pembiayaan. Namun, beliau mempunyai pendapatan yang cukup untuk menguruskan pembayarannya sebanyak RM2,604.17 sebulan kepada microLEAP dengan rekod pembayaran yang baik dengan peminjam lain. Nota Pelaburan ini mempunyai penilaian MR5 (Medium Risk 5) dan oleh itu, ia mempunyai kualiti kredit sederhana dan risiko keingkaran sederhana.

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Rate of Returns
12.5% p.a
Total Gross Return on Investment
-

Funded Note

Credit Ratings
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.

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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