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NT-2202-00006

NT-2202-00006

i
MR6

PJ Hillzat, Engineering & Construction,

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?

PJ Hillzat was incorporated in June 2020 and is based in Petaling Jaya, Selangor, Malaysia. They are a full-fledged integrated construction and engineering company and full spectrum of capabilities covers the entire value chain of civil engineering, infrastructure construction, property development, residential and iconic nation projects.

Currently, they have more than three ongoing projects that they working on. They enforce a total of over 100 workforce people for the ongoing project. Total secured project value up to RM 6 million. The PNB 118 contract contributed to RM4 million worth of work.
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PJ Hillzat telah diperbadankan pada Jun 2020 dan berpusat di Petaling Jaya, Selangor, Malaysia. Mereka adalah syarikat pembinaan dan kejuruteraan bersepadu sepenuhnya dan spektrum penuh keupayaan merangkumi keseluruhan rantaian nilai kejuruteraan awam, pembinaan infrastruktur, pembangunan hartanah, kediaman dan projek negara ikonik.

Pada masa ini, mereka mempunyai lebih daripada tiga projek sedang berjalan yang mereka usahakan. Mereka menguatkuasakan sejumlah lebih 100 tenaga kerja untuk projek yang sedang berjalan. Jumlah nilai projek terjamin sehingga RM 6 juta. Kontrak PNB 118 menyumbang kepada RM4 juta nilai kerja.

Who is the owner / key person(s) in the business?

PJ Hillzat was founded by the founder with Paid-Up capital of RM100,000 . The company is 100% owned by bumiputera. Currently, with 14 key members and staff, PJ Hillzat working forward to completing the project at many levels and values. Registered with CIDB, Ministry of Finance and PPK, PJ Hillzat served the government and private sector through tender exercise and price submission. PJ Hillzat is on the path to be a G7 construction license company.
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PJ Hillzat Sdn. Bhd. telah diasaskan oleh pengasasnya dengan modal Berbayar sebanyak RM100,000. Syarikat ini 100% dimiliki oleh bumiputera. Kini dengan 14 ahli dan kakitangan utama, PJ Hillzat berusaha ke hadapan untuk menyiapkan projek di banyak peringkat dan nilai. Berdaftar dengan CIDB, Kementerian Kewangan dan PPK, PJ Hillzat berkhidmat dengan kerajaan dan swasta melalui pelaksanaan tender dan penyerahan harga. PJ Hillzat sedang dalam laluan untuk menjadi syarikat lesen pembinaan G7.

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

This is our company plans and where the map road will head in the future. In 2022, we will achieve 3 years minimum cumulative 5 million in revenue. We are preparing to Initial Public Offering (IPO) and starting as a property developer in 2023. In 2024, we want to be listed at IPO at Bursa Malaysia.
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Ini adalah rancangan syarikat kami dan ke mana jalan peta akan menuju pada masa hadapan. Pada 2022, kami akan mencapai hasil terkumpul minimum 5 juta selama 3 tahun. Kami sedang bersedia untuk Tawaran Awam Permulaan (IPO) dan bermula sebagai pemaju hartanah pada 2023. Pada 2024, kami mahu disenaraikan di IPO di Bursa Malaysia.

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

In 2021, our revenue is around RM863k with a net profit of around RM68k.
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Pada tahun 2021, hasil jualan kami adalah sekitar RM863k dengan untung bersih sekitar RM68k.

Number of years in business? / Usia perniagaan?

PJ Hillzat was incorporated in June 2020 and has been operating for 1 year and 8 months.
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PJ Hillzat telah diperbadankan pada Jun 2020 dan telah beroperasi selama 1 tahun 8 bulan.

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 fund for our ongoing of more than 3 projects to generate more revenue and for completion of the project.
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Kami akan menggunakan dana untuk meneruskan lebih daripada 3 projek kami untuk menjana lebih banyak hasil dan untuk menyiapkan projek.

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 of < 1.5 to 2.5%, while the Guarantor is rated 8 (Good) with a PD of >1.5% to 2.5%. The Issuer has other borrowings from other lenders but has sufficient revenue to manage its payment of 2,633.33 a month to microLEAP. Issuer have few late payments record with other financial institution previously, but the payment has been regularized. This Investment Note has an MR6 (Medium Risk 6) rating and so it has a Medium-weak Credit Quality and a Medium-high Risk of Default.
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Seperti yang dinilai oleh Experian, skor I Syarikat Pengeluar dinilai sebagai 8 (Baik) dengan PD < 1.5 hingga 2.5%, manakala Penjamin dinilai 8 (Baik) dengan PD >1.5% hingga 2.5%. Penerbit mempunyai pinjaman lain daripada pemberi pinjaman lain tetapi mempunyai hasil yang mencukupi untuk menguruskan pembayarannya sebanyak 2,633.33 sebulan kepada microLEAP. Penerbit mempunyai beberapa rekod pembayaran lewat dengan institusi kewangan lain sebelum ini, tetapi pembayaran telah ditetapkan. Nota Pelaburan ini mempunyai penarafan MR6 (Risiko Sederhana 6) dan oleh itu ia mempunyai Kualiti Kredit Sederhana-lemah dan Risiko Lalai Sederhana-tinggi.

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Rate of Returns
13.2% 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.
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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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