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NT-2206-00003

NT-2206-00003

i
MR4

Superb Enrichment, Trading,

RM 150,000 for 18 month term. RM 82,918 funded 11 Days Left

55 % 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?

Superb Enrichment (SE) is one of Malaysia’s prominent and fastest growing narrow fabric, strap and medication machine manufacturing companies. SE specialized in production, research and development, services and trading of all kinds of machineries.

We are one of the appointed manufacturers for the local industry with a diverse customer base. Coupled with the vast experience of our machinery experts and highly skilled technical staff, SE have a strong production capacity, with annual production valued at RM20million in market value.

Our products consist of Jacquard Loom Machines (suitable for the production of elastics or non-elastics with jacquard that to be used for designs, signs, characters for narrow fabrics and decorations. Such as the underwear elastics, ribbon, and laces ribbon in gifts industry), Braiding Machines (Garments accessories braiding machine is applied for the production of round & flat shoelace, elastic cord & lace, flat lace, zigzag lace, piping cord, multicolour lace for national costume etc.), Narrow Fabric Needle Loom Machines (suitable for producing the tape of mid-weight with thickness around 2 to 3.5mm, like army belt, cargo lashing, safety harness, tie back lanyard and luggage belt), Zipper Machines (used to produce zipper tapes such as metal zipper tape, nylon zipper tape and plastic zipper tape etc.).
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Superb Enrichment (SE) ialah salah satu syarikat pengeluar kain, tali dan mesin ubat yang terkemuka dan paling pesat berkembang di Malaysia. SE khusus dalam pengeluaran, penyelidikan dan pembangunan, perkhidmatan dan perdagangan semua jenis jentera.

Kami adalah salah satu pengeluar yang dilantik untuk industri tempatan dengan asas pelanggan yang pelbagai. Ditambah dengan pengalaman luas pakar jentera kami dan kakitangan teknikal berkemahiran tinggi, SESB mempunyai kapasiti pengeluaran yang kukuh, dengan pengeluaran tahunan bernilai RM20 juta dalam nilai pasaran.

Produk kami terdiri daripada Mesin Jacquard Loom (sesuai untuk pengeluaran anjal atau bukan anjal dengan jacquard yang akan digunakan untuk reka bentuk, tanda, watak untuk fabrik dan hiasan yang sempit. Seperti anjal seluar dalam, reben, dan reben renda dalam industri hadiah ), Mesin Jalinan (Mesin jalinan aksesori pakaian digunakan untuk penghasilan tali kasut bulat & rata, tali elastik & renda, renda rata, renda zigzag, tali paip, renda pelbagai warna untuk pakaian kebangsaan dll.), Mesin Tenun Jarum Fabrik Sempit (sesuai untuk menghasilkan pita berat pertengahan dengan ketebalan sekitar 2 hingga 3.5mm, seperti tali pinggang tentera, sebatan kargo, tali pinggang keselamatan, tali pinggang belakang dan tali pinggang bagasi), Mesin Zip (digunakan untuk menghasilkan pita zip seperti pita zip logam, zip nilon pita dan pita zip plastik dsb.).

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

Our directors have more than 20 years of experience in this industry. Currently we have a full staffs of 33 members.
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Pengarah kami mempunyai lebih daripada 20 tahun pengalaman dalam industri ini. Pada masa ini kami mempunyai kakitangan penuh seramai 33 orang ahli.

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

As a path to increase our profitability margin, our business expanded into other business units, which is the trading and renting of generator sets which complement our core business. We also provide after sales services such as spare parts retailing and maintenance of machineries.
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Sebagai laluan untuk meningkatkan margin keuntungan kami, perniagaan kami berkembang ke unit perniagaan lain, iaitu perdagangan dan penyewaan set penjana yang melengkapkan perniagaan teras kami. Kami juga menyediakan perkhidmatan selepas jualan seperti peruncitan alat ganti dan penyelenggaraan mesin.

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

Our sales turnover for the past 3 years have been improving year to year from RM17.019 mil in 2019, RM17.843 mil in 2020 to RM22.579 mil in 2021 with a pre tax profit of more than RM2.4mil in 2021.
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Perolehan jualan kami selama 3 tahun yang lalu telah bertambah baik dari tahun ke tahun daripada RM17.019 juta pada 2019, RM17.843 juta pada 2020 kepada RM22.579 juta pada 2021 dengan keuntungan sebelum cukai lebih daripada RM2.4 juta pada 2021.

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?

The funds raise will be used to purchase new stocks.
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Pengumpulan dana akan digunakan untuk membeli stok baharu.

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

Please download the Factsheet in this Investment Note for more information.

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 7 (Good) with a PD of 2.5%-5%. The Issuer has other borrowings from other lenders but has sufficient revenue to manage its payment of RM9,870.83 a month to microLEAP with a good payment track record with other lenders. This Investment Note has an MR4 (Medium Risk 4) rating and so it has a medium credit quality and medium risk of default.
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Sila muat turun Lembaran Fakta dalam Nota Pelaburan ini untuk maklumat lebih lanjut.

Seperti yang dinilai oleh Experian, I-skor bagi Perniagaan penerbit dinilaikan sebagai 8 (Baik) dengan Kebarangkalian Keingkaran (PD) dari 1.5%-2.5%, manakala Penjamin dinilai 7 (Baik) dengan PD 2.5%-5%. Penerbit mempunyai pinjaman lain dari institusi pembiayaan. Namun, beliau mempunyai pendapatan yang cukup untuk menguruskan pembayarannya sebanyak RM9,870.83 sebulan kepada microLEAP dengan rekod pembayaran yang baik dengan pemberi pinjaman yang lain. Nota Pelaburan ini mempunyai penilaian MR4 (Medium Risk 4) dan oleh itu, ia mempunyai kualiti kredit sederhana dan risiko keingkaran sederhana.

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Rate of Returns
12.3% p.a
Total Gross Return on Investment
-


Terms & Conditions Apply

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

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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