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NT-2202-00009

NT-2202-00009

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MR5

Business Efficace, Consultancy,

RM 50,000 for 12 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?

Business is based in Klang Valley. Issuer main business involved in handling booking and consultancy job for SME business across Malaysia.
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Perniagaan berpusat di Lembah Klang. Perniagaan utama penerbit terlibat dalam pengendalian tempahan dan kerja perundingan untuk perniagaan PKS di seluruh Malaysia.

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

The main shareholder is the key person and director of the company. He has a professional degree and also have been in this line for 19 years.
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Pemegang saham utama ialah orang penting dan pengarah syarikat. Beliau mempunyai ijazah profesional dan juga telah berada dalam barisan ini selama 19 tahun.

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

I will be expanding offices in northern and southern region in the next few years.
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Saya akan memperluaskan pejabat di wilayah utara dan selatan dalam beberapa tahun akan datang.

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

The revenue for the last year 2021 was RM1.02mil.
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Hasil bagi tahun lepas 2021 ialah RM1.02 juta.

Number of years in business? / Usia perniagaan?

Initially it was started as sole proprietorship in year 2009. The business was recently converted to Sdn Bhd in 2019 until now. Issuer have the relevant experience for more than 10 years prior incorporation of sole proprietorship.
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Pada mulanya ia dimulakan sebagai milikan tunggal pada tahun 2009. Perniagaan ini baru-baru ini ditukar kepada Sdn Bhd pada tahun 2019 sehingga kini. Pengeluar mempunyai pengalaman yang berkaitan selama lebih daripada 10 tahun sebelum pemerbadanan milikan tunggal.

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 utilise the funds to open up another office especially in Central Region
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Pengeluar akan menggunakan dana tersebut untuk membuka pejabat lain terutamanya di Wilayah Tengah

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 6 (Fair) with a Probability of Default (PD) of 5%-10%, 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 RM4,687.50 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 6 (Fair) dengan Kebarangkalian Keingkaran (PD) dari 5%-10%, manakala Penjamin dinilai 8 (Baik) dengan PD 1.5%-2.5%. Penerbit mempunyai pinjaman lain dari institusi pembiayaan. Namun, beliau mempunyai pendapatan yang cukup untuk menguruskan pembayarannya sebanyak RM4,687.50 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.
.

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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