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NT-2206-00006

NT-2206-00006

c
MR7

Kopseven Management & Services, Retail,

RM 15,000 for 24 month term. RM 15,000 funded

100 % Funded

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

No, this Investment Note is Conventional. It is not Shariah-compliant as the business is involved in the Vape Industry.
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Tidak, Nota Pelaburan ini adalah Konvensional. Ia tidak patuh Syariah kerana perniagaan itu terlibat dalam Industri Vape.

Who is the Issuer and what does the business do? /Siapakah Penerbit dan apakah perniagaan diceburi mereka?

Operating since 2019. We are offering various types of gadgets and vapes. We also focus on customer demands and trends to earn a higher profit margin. We would like to thank our loyal customers for trusting us and the quality of the product and also for introducing us to other new customers. This is the only branch we got at the moment which is located in Pasir Gudang, Johor Bahru.
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Beroperasi sejak 2019. Kami menawarkan pelbagai jenis gajet dan vape. Kami juga memberi tumpuan kepada permintaan dan trend pelanggan untuk memperoleh margin keuntungan yang lebih tinggi. Kami ingin mengucapkan terima kasih kepada pelanggan setia kami kerana mempercayai kami dan kualiti produk dan juga kerana memperkenalkan kami kepada pelanggan baharu yang lain. Ini adalah satu-satunya cawangan yang kami miliki buat masa ini yang terletak di Pasir Gudang, Johor Bahru.

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

The issuer is the owner of this business. The owner has over 4 years of experience in the industry. Gadgets and vapes are considered item of needs for most of today’s society, so we haven’t been much affected since the Covid-19 pandemic.
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Penerbit adalah pemilik perniagaan ini. Pemilik mempunyai pengalaman lebih dari 4 tahun dalam industri ini. Gajet dan vape dianggap sebagai barangan kehendak bagi kebanyakkan masyarakat harini, maka kami tidak banyak terkesan sejak pandemik Covid-19.

What are their future plans? / Siapakah pemilik / tunggak utama perniagaan ini?

We plan to increase our customers in other areas as well in order to expand our sales. Currently, we are planning to open a 2nd branch which will be also located in Johor. We are also planning to early settlement this financing as soon as possible. We would also like to become an investor in microLEAP after knowing this platform can generate an income to investors.
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Kami merancang untuk menambah pelanggan kami di kawasan lain juga untuk mengembangkan jualan kami. Pada masa ini, kami merancang untuk membuka cawangan ke-2 yang akan turut terletak di Johor. Kami juga merancang untuk menyelesaikan awal pembiayaan ini secepat mungkin. Kami juga ingin menjadi pelabur dalam microLEAP selepas mengetahui platform ini boleh menjana pendapatan kepada pelabur.

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

The company has closed the account with RM127,540 revenue in 2020 and RM265,638.00 revenue in 2021. With the economy is recovering, the company targeted a substantial revenue increase in 2022.
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Syarikat telah menutup akaun dengan hasil RM127,540 pada 2020 dan RM265,638.00 pada 2021. Dengan ekonomi yang semakin pulih, syarikat itu menyasarkan peningkatan hasil yang ketara pada 2022.

Number of years in business? / Usia perniagaan?

We have run this business for almost 4 years since 2019.
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Kami telah menjalankan perniagaan ini selama hampir 4 tahun sejak 2019.

How would the Issuer utilise the funds raised on the platform? / Bagaimanakah Pengeluar akan menggunakan dana yang diperoleh di platform?

This fund will be used as working capital to buy more stock.
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Dana ini akan digunakan sebagai modal kerja untuk membeli lebih banyak stok.

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%. 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 RM800.00 a month to microLEAP.
This Investment Note has an MR7 (Medium Risk 7) rating and so it has a Lower Medium Credit Quality and an Upper 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 Syarikat Pengeluar dinilai sebagai 8 (Baik) dengan Kebarangkalian Lalai (PD) 1.5-2.5%, manakala Penjamin dinilai 7 (Baik) dengan PD >2.5% -5%. Penerbit mempunyai pinjaman lain daripada pemberi pinjaman yang lain tetapi mempunyai hasil yang mencukupi untuk menguruskan pembayarannya sebanyak RM800.00 sebulan kepada microLEAP.
Nota Pelaburan ini mempunyai penarafan MR7 (Risiko Sederhana 7) dan oleh itu ia mempunyai Kualiti Kredit Sederhana Rendah dan Risiko Sederhana Atas Kelalaian.

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Rate of Returns
14% p.a
Total Gross Return on Investment
-

Funded Note

Credit Ratings
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.

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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