NT-2203-00001

MR4

SME - BERKAT TERAS NIAGA SDN BHD, Engineering & Construction,

RM 100,000 for 36 month term. RM 100,000 funded

100 % Funded

Is this a Shariah-compliant Investment Note? / Adakah ianya Nota Pelaburan patuh Syariah?

Who is the Issuer and what does the business do?

Our business based at Shah Alam, Selangor, our industry is construction industry, our customer is private and government agency, our service mainly in construction and engineering service, our market focus in klang valley

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

the owner is Noorazlan bin Mohamed isa more that 15years experience in construction industry, currently we have 4 staff and about 10 workers.

What are their future plans?

our future plan is to be able to get a bigger job that we have now. we need more working capital to be able to get a bigger job in construction

What has been their annual sales turnover?

2020 audit report annual sales 584,874.00 profit at 23,950.00

Number of years in business?

4 years

How would the Issuer utilise the funds raised on the platform?

we plan to invest in machinery and tools

The rationale behind the Issuer's Credit Risk Score - microLEAP's Comments

N/A

Credit Ratings

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.
.

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

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.