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NT-2204-00005

NT-2204-00005

i
MR5

SCP Embroidery & Trading, Trading,

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 yang dijalankan Penerbit?

Our company is located in a 2.5 storey shop office in Taman Sentosa, Klang. Our company specializes in computerized embroidery services and trading of fiber yarn. We provide consultation services on custom made logo design and apparel as well. We also trade in an assortment of embroidery accessories, as well as fabric related products such as high-quality yarn, polyester elastic tapes and PE belts. We cater to the garments, textile, and tailoring industries.
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Syarikat kami terletak di pejabat kedai 2.5 tingkat di Taman Sentosa, Klang. Syarikat kami pakar dalam perkhidmatan sulaman berkomputer dan perdagangan benang gentian. Kami menyediakan perkhidmatan perundingan mengenai reka bentuk logo dan pakaian yang dibuat khas juga. Kami juga berdagang dalam pelbagai aksesori sulaman, serta produk berkaitan fabrik seperti benang berkualiti tinggi, pita anjal poliester dan tali pinggang PE. Kami memenuhi keperluan industri pakaian, tekstil dan jahitan.

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

The company was started in 2010 by our founder. He started doing sales in a local clothing shop when he was in his 20s and has since been growing together with the industry. He has more than 20 years of experience in this business and is well known among his peers in this industry. We currently have 20 full timed staffs.
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Syarikat ini dimulakan pada tahun 2010 oleh pengasas kami. Dia mula melakukan jualan di kedai pakaian tempatan ketika berusia 20-an dan sejak itu telah berkembang bersama-sama dengan industri. Beliau berpengalaman lebih 20 tahun dalam perniagaan ini dan terkenal di kalangan rakan sebaya dalam industri ini. Pada masa ini kami mempunyai 20 kakitangan sepenuh masa.

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

Our plan is to increase our customer base while growing our product options. We currently have no plans to expand yet and shall concentrate on our existing outlet.
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Rancangan kami adalah untuk meningkatkan pangkalan pelanggan kami sambil mengembangkan pilihan produk kami. Pada masa ini kami tidak mempunyai rancangan untuk mengembangkan lagi dan akan menumpukan perhatian kepada outlet sedia ada kami.

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

Year 2021 turnover ended 31st March: RM16,375,925 (audited)
Year 2022 turnover base on management accounts up to 31st March: RM17,576,389
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Perolehan tahun 2021 berakhir 31 Mac: RM16,375,925 (diaudit)
Tahun 2022 berdasarkan perolehan pada akaun pengurusan sehingga 31 Mac: RM17,576,389

Number of years in business? / Usia perniagaan?

15 years.
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15 tahun.

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

We are looking for funding to purchase from our large suppliers so we can get better pricing. The funds will be used to purchase stocks for our trading business, which is in the booming industry at the moment.
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Kami sedang mencari pembiayaan untuk membeli daripada pembekal besar kami supaya kami boleh mendapatkan harga yang lebih baik. Dana itu akan digunakan untuk membeli stok untuk perniagaan dagangan kami, yang sedang berkembang pesat pada masa ini.

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 Probability of Default (PD) of 1.5-2.5% 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 RM5,233.33 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 8 (Baik) 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 RM5,233.33 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
12.8% 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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