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NT-2203-00005

NT-2203-00005

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MR6

Cempaka Risya Ventures #2, Retail,

RM 100,000 for 24 month term. RM 100,000 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?

We are Cempaka Risya Ventures. We run an online gold jewelry business, recently we are setting up our first store called Nourza Gold brand located in Jitra, Kedah. The purpose of the financing is to purchase gold stocks for the Nourza Gold store. This is our first shop, where the shop is located around the focus area of the residents of Jitra to get jewelry. Our expertise is to provide a network of light & inexpensive budget women’s jewelry to enable everyone to afford to own jewelry without discrimination. Also we take custom design orders, where customers can make their own design gold for their own interests.
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Kami adalah Cempaka Risya Ventures. Kami menjalankan perniagaan emas perhiasan secara online, baru2 ini kami sedang menyiapkan kedai pertama kami dibawah brand Nourza Gold yang terletak di Jitra, Kedah. Tujuan pembiayaan ini adalah untuk membeli stok emas untuk kedai Nourza Gold. Ini ada kedai pertama kami, dimana kedai tersebut terletak disekitar kawasan yang menjadi tumpuan penduduk jitra untuk mendapatkan barang kemas. Kepakaran kami adalah menyediakan jaringan barangan kemas wanita yang bajet ringan & murah untuk membolehkan semua orang mampu memiliki barang kemas tanpa diskriminasi. Juga kami mengambil tempahan custom design, dimana pelanggan boleh membuat emas design sendiri untuk minat sendiri.

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

Issuer is also the owner of the business. The owner has been running this online gold business since 2017. Now, the company is assisted by 4 other employees including her husband as an Assistant Manager & Marketing Assistant. 2 employees are part of the operation team & to serve customers. The business also has 1 jeweller to complete custom design orders.
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Penerbit juga merupakan pemilik kepada perniagaan ini. Penerbit sudah menjalankan perniagaan emas online ini sejak dari tahun 2017 lagi. Kini saya dibantu oleh 4 lagi orang pekerja termasuk suami saya sendiri didalam perniagaan ini sebagai Penolong Pengurus dan Pembantu Pemasaran. 2 orang pekerja di bahagian operasi & khidmat pelanggan. Perniagaan juga mempunyai 1 orang tukang barang kemas untuk menyiapkan tempahan barang kemas dengan reka bentuk pilihan.

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

Our future plan is to increase and diversify the stock of jewellery in our online and offline stores. Our next plan is to open our next outlet in Alor Setar, Kedah. We are planning to capture the market in Perlis and Kedah in the next 2 to 3 years.
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Perancangan dimasa hadapan kami adalah untuk mebanyakkan lagi dan pelbagaikan lagi stok barang kemas dikedai atas talian dan luar talian kami. Rancangan kami seterusnya adalah untuk membuka cawangan kedua di Alor Setar, Kedah. Kami juga merancang untuk menguasai pasaran di Perlis dan Kedah dalam 2 hingga 3 tahun akan datang.

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

Our annual sales turnover for the year 2019 is RM2.466 million, for the year 2020 is RM3.284 million and for the year 2021, our highest sales were RM5.001 million.
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Perolehan jualan tahunan bagi tahun 2019 adalah sebanyak RM2.466 juta, bagi tahun 2020 adalah RM3.284 juta dan pada tahun lepas 2021, jualan tertinggi kami adalah sebanyak RM5.001 juta.

Number of years in business? / Usia perniagaan?

The business was commenced since October 2017, almost 4 years and 5 months.
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Perniagaan ini telah dimulakan pada Oktober 2017, hampir 4 tahun dan 5 bulan.

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

The fund will be used to buy more jewellery stock to be displayed in our brand-new outlet. We estimate about 20% of the fund will be used for the marketing of the outlet.
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Dana ini akan digunakan untuk membeli lebih stok jualan barang kemas untuk dipamerkan di kedai kami. Kami menganggarkan sebanyak sekitar 20% daripada dana akan digunakan untuk pemasaran kedai.

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

This is the second (2nd) Investment Note with microLEAP by the Issuer. The Issuer has a good payment record of payments on time with their first Investment Note with microLEAP, with 26 out of 36 payments left to complete their financing.
As rated by Experian, the Issuer's Company i-score is rated as 5 (Fair) with a Probability of Default (PD) of 10%-20%. The Issuer has a Guarantor for this financing and the Guarantor is rated 8 (Good) with a PD score of 1.5% - 2.5% according to an external credit bureau.
The Issuer has other borrowings with just 1-time late payment and the Issuer has sufficient revenue to cover its monthly payments of RM 7,180.56 a month to microLEAP. Though the Issuer's revenue is very high, her cost of sales are high as well but she has managed this well and has retained some good profit throughout the years. This Investment Note has an MR6 (Medium Risk 6) rating and so it has a medium-weak credit quality and medium-high risk of default.
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Ini adalah Nota Pelaburan kedua (ke-2) dengan microLEAP oleh Penerbit. Penerbit mempunyai rekod pembayaran yang baik pada Nota Pelaburan pertama mereka dengan microLEAP dengan berbaki 26 pembayaran daripada 36 untuk menyelesaikan pembiayaan mereka.
Seperti yang dinilai oleh Experian, i-skor Syarikat Pengeluar dinilai sebagai 5 (Fair) dengan Kebarangkalian Lalai (PD) 10%-20%, Pemiliknya juga Penjamin untuk pembiayaan ini dan I-skor Penjamin adalah 8 (‘Good’) dengan Kebarangkalian keingkaran (PD) 1.5% - 2.5% merujuk biro kredit luaran.
Penerbit mempunyai pinjaman lain dengan hanya 1-kali terlewat pembayaran dan Penerbit mempunyai pendapatan yang mencukupi untuk menampung pembayaran bulanannya sebanyak RM7,180.56 sebulan kepada microLEAP. Walaupun pendapatan Penerbit adalah tinggi, kos penjualannya juga tinggi tetapi dia berjaya menguruskan dengan baik dan mengekalkan beberapa keuntungan yang baik selama bertahun-tahun. Nota Pelaburan ini mempunyai penarafan MR6 (Risiko Sederhana 6) dan oleh itu ia mempunyai kualiti kredit sederhana-lemah dan risiko keingkaran sederhana-tinggi.

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Rate of Returns
13% 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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