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NT-2204-00006

NT-2204-00006

i
MR6

Promo Partners, E-commerce,

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?

Promo Partners specialises in designing and implementing unique marketing promotions to major retailers (Hypermarkets, Supermarkets, Departmental Stores, Convenience Stores, Health & Beauty Stores, etc). We are the market leader in South East Asia and have run more than 200 successful promotions in the past and worked with major international brands such as Neoflam, Disney, Sanrio, Fissler, Hasbro, etc. The company also runs an E-commerce platform for consumers to purchase its products from offline to online i.e kitchenware products.
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Rakan Kongsi Promo pakar dalam mereka bentuk dan melaksanakan promosi pemasaran yang unik kepada peruncit utama (Pasar Besar, Pasar Raya, Gedung Serbaneka, Kedai Serbaneka, Kedai Kesihatan & Kecantikan, dll). Kami adalah peneraju pasaran di Asia Tenggara dan telah menjalankan lebih daripada 200 promosi yang berjaya pada masa lalu dan bekerja dengan jenama antarabangsa utama seperti Neoflam, Disney, Sanrio, Fissler, Hasbro, dll. Syarikat itu juga menjalankan platform E-dagang untuk pengguna untuk membeli produknya dari luar talian kepada dalam talian sebagai contoh produk peralatan dapur.

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

The key people behind the business each have more than 15 years of experience in this field, coming from an international world no. 1 company doing this business. The Supply Chain, Logistics, Sourcing, Operations team have more than 15 years in this business. We now have 12 staffs, managed by key people who have these experiences working across different markets in South East Asia, The founders used to work as the Head of the SEA team in the previous global company.
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Orang penting di sebalik perniagaan ini mempunyai lebih daripada 15 tahun pengalaman dalam bidang ini, datang dari dunia antarabangsa no. 1 syarikat yang menjalankan perniagaan ini. Pasukan Rantaian Bekalan, Logistik, Penyumberan, Operasi mempunyai lebih daripada 15 tahun dalam perniagaan ini. Kami kini mempunyai 12 kakitangan, diuruskan oleh orang penting yang mempunyai pengalaman bekerja merentasi pasaran berbeza di Asia Tenggara, pengasas pernah bekerja sebagai Ketua pasukan SEA dalam syarikat global sebelumnya.

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

The company plans to expand its marketing reach to Indonesia, Thailand, Vietnam and Philippines for SEA region and Australia and New Zealand markets.
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Syarikat kami merancang untuk mengembangkan jangkauan pemasarannya ke Indonesia, Thailand, Vietnam dan Filipina untuk pasaran rantau SEA dan Australia dan New Zealand.

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

FY2020 – turnover RM609,026, PBT RM38,526 (audited)
FY2021 – turnover RM20,671,000, PBT RM2,201,000 (management accounts)
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FY2020 – perolehan RM609,026, keuntungan sebelum cukai RM38,526 (diaudit)
FY2021 – perolehan RM20,671,000, keuntungan sebelum cukai RM2,201,000 (akaun pengurusan)

Number of years in business? / Usia perniagaan?

3 years
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3 tahun

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

The purpose is to fund its operating expenses requirement
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Tujuannya adalah untuk membiayai keperluan perbelanjaan operasinya.

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

Issuer is rated as N/A by Experian due to insufficient borrowing record. The Guarantor however is rated as 6 (Fair) with a Probability of Default (PD) of 5%-10%. The Issuer has sufficient revenue to manage its payment of RM5,258.33 with a strong cash flow and bank balance. 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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Penerbit dinilai sebagai N/A oleh Experian kerana rekod pinjaman yang tidak mencukupi. Penjamin bagaimanapun dinilai sebagai 6 (Adil) dengan Kebarangkalian Kemungkiran (PD) sebanyak 5%-10%. Penerbit mempunyai hasil yang mencukupi untuk menguruskan pembayarannya sebanyak RM5,258.33 dengan aliran tunai dan baki bank yang kukuh. Nota Pelaburan ini mempunyai penarafan MR6 (Risiko Sederhana 6) dan oleh itu ia mempunyai kualiti kredit sederhana-lemah dan risiko kemungkiran sederhana-tinggi.

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Rate of Returns
13.1% 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.
.

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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