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NT-2206-00009

NT-2206-00009

i
MR5

Datakraf Solution, IT / Technology,

RM 500,000 for 6 month term. RM 500,000 funded

100 % Funded

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

Yes/Ya

What is the Payment Type? / Apakah Jenis Pembayaran?

This is our short-term Shariah-compliant microLEAP+ product with a Contract Financing of RM500,000 and a high-profit rate of 1.5% a month (equivalent to 18% p.a) offered on our platform.

This Investment Note payment is based on the Balloon Payment method where the Issuer will make monthly Profit-only payments for the preceding months followed by a Principal + Profit payment on the final payment date. The tenor is 6 months. Please refer to the explanation below on the repayment structure for the Issuer.
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Financing Amount : RM500,000
Profit Rate : 1.5% per month (equivalent to 18% p.a)
Investment Tenor : 6 months
Payment Method : Balloon Payment

Payment Schedule :
Month 1 – RM7,500.00 (Profit only)
Month 2 – RM7,500.00 (Profit only)
Month 3 – RM7,500.00 (Profit only)
Month 4 – RM7,500.00 (Profit only)
Month 5 – RM7,500.00 (Profit only)
Month 6 – RM507,500.00 (Principal + Profit)

The Issuer has the option to fully settle the financing early.
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Ini adalah produk microLEAP + patuh Syariah jangka pendek kami dengan Pembiayaan Kontrak sebanyak RM500,000 dan kadar keuntungan tinggi 1.5% sebulan (bersamaan dengan 18% p.a) yang ditawarkan di platform kami.

Ingin dimaklumkan kepada semua Pelabur bahawa pembayaran Nota Pelaburan ini adalah berdasarkan kaedah Pembayaran Belon di mana Penerbit akan membuat pembayaran Untung bulanan sahaja dan diikuti dengan pembayaran Prinsipal + Keuntungan pada tarikh pembayaran akhir. Tempoh pembiayaan adalah selama 6 bulan. Sila rujuk penjelasan di bawah mengenai struktur pembayaran balik dari Penerbit.
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Jumlah Pembiayaan : RM500,000
Kadar Keuntungan : 1.5% sebulan (bersamaan 18% setahun)
Tenor Pelaburan : 6 bulan
Kaedah Pembayaran : Pembayaran Belon
Jadual Pembayaran Balik :
Bulan 1 – RM7,500.00 (Keuntungan sahaja)
Bulan 2 – RM7,500.00 (Keuntungan sahaja)
Bulan 3 – RM7,500.00 (Keuntungan sahaja)
Bulan 4 – RM7,500.00 (Keuntungan sahaja)
Bulan 5 – RM7,500.00 (Keuntungan sahaja)
Bulan 6 – RM507,500.00 (Prinsipal + Keuntungan)

Penerbit mempunyai pilihan untuk menyelesaikan pembiayaan lebih awal.

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

Datakraf Solution is a leading provider of system development and infrastructure solution services. Established in 2015, we have accelerated to become premium enterprise IT space. We had served numbers of clients from oil and gas industry, multinational companies, government agencies and NGOs. We are registered company with Ministry of Finance (MoF), PETRONAS (upstream and downstream) , certified by Multimedia Super Corridor (MSC) and ISO certified by Bureau Veritas. We also have been listed as Technology Service Provider (TSP) by MDEC. The company is expertized in offering the IT services, including software development, web development, cross-platform and software migration, infrastructure development, cybersecurity, and leasing services. We have satellite / representative office at Taranaki , New Zealand. Our notable client are PETRONAS , National Cybersecurity Agency (NACSA) , Majlis Keselamatan Negara , SEA Hibiscus , Carigali PTTEPI , FELDA , Majlis Profesor Negara and more.
Believing technology and innovation are the catalyst for change, we have developed a holistic approach enabling IT solutions that ensure maximum efficiency of productivity.
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Datakraf Solution ialah pembekal utama pembangunan sistem dan perkhidmatan penyelesaian infrastruktur. Ditubuhkan pada 2015, kami telah mempercepatkan untuk menjadi ruang IT perusahaan premium. Kami telah memberi perkhidmatan kepada beberapa pelanggan daripada industri minyak dan gas, syarikat multinasional, agensi kerajaan dan NGO. Kami adalah syarikat berdaftar dengan Kementerian Kewangan (MoF), PETRONAS (huluan dan hiliran), diperakui oleh Koridor Raya Multimedia (MSC), dan diperakui ISO oleh Bureau Veritas. Kami juga telah disenaraikan sebagai Pembekal Perkhidmatan Teknologi (TSP) oleh MDEC. Syarikat itu pakar dalam menawarkan perkhidmatan IT, termasuk pembangunan perisian, pembangunan web, migrasi merentas platform dan perisian, pembangunan infrastruktur, keselamatan siber dan perkhidmatan pajakan. Kami mempunyai pejabat satelit / perwakilan di Taranaki, New Zealand. Our notable client are PETRONAS , National Cybersecurity Agency (NACSA) , Majlis Keselamatan Negara , SEA Hibiscus , Carigali PTTEPI , FELDA , Majlis Profesor Negara and more.
Percaya teknologi dan inovasi adalah pemangkin kepada perubahan, kami telah membangunkan pendekatan holistik yang membolehkan penyelesaian IT yang memastikan kecekapan maksimum produktiviti.

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

Company has been founded by Ex-PETRONAS. He's been involved in many notable high profile IT project in PETRONAS such as Data Centre Relocation , SAP ECC6 , Identity & Access Management System , PETRONAS Private Cloud and many more where most of the projects are for key infrastructure. After left PETRONAS , he joined many MNC company such as Hewlett Packard Enterprise and AIG global Services (now Accenture) ; where he found that Malaysians have high skills and talent to architect and implement international projects. With more than 14 years experience in IT industry , he decided to open his own IT company to bring Malaysian talent to the global market. Currently Datakraf has 25 employees and plans to expand in the future. Our team is equipped and certified with professional certificate such as Cisco CCIE , Microsoft , Citrix CCE and many more to ensure our client peace of mind in IT related fields.
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Syarikat ini telah diasaskan oleh Ex-PETRONAS. Beliau terlibat dalam banyak projek IT berprofil tinggi yang terkenal di PETRONAS seperti Penempatan Semula Pusat Data, SAP ECC6, Sistem Pengurusan Identiti & Akses, Awan Persendirian PETRONAS, dan banyak lagi di mana kebanyakan projek itu merupakan infrastruktur utama pada masa ini. Selepas meninggalkan PETRONAS, beliau menyertai banyak syarikat MNC seperti Hewlett Packard Enterprise dan AIG global Services (kini Accenture); di mana beliau mendapati bahawa rakyat Malaysia kita mendapat kemahiran dan bakat yang tinggi semasa kita arkitek dan melaksanakan projek antarabangsa. Dengan lebih daripada 14 tahun pengalaman dalam industri IT, beliau memutuskan untuk membuka syarikat ITnya sendiri untuk membawa bakat Malaysia ke pasaran global. Pada masa ini, Datakraf mempunyai 25 kakitangan dan merancang untuk berkembang pada masa hadapan. Pasukan kami melengkapkan dan diperakui dengan sijil profesional seperti Cisco CCIE, Microsoft, Citrix CCE, dan banyak lagi untuk memastikan ketenangan fikiran pelanggan kami dalam berkaitan IT.

What are their future plans? / Apakah pelan masa depan mereka?

Datakraf plans to capture cybersecurity and manage the services market in Malaysia, Philipines, South Sudan, New Zealand & Australia. We plan to expand the expertise and product to capture the needs, especially in IT security.
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Datakraf merancang untuk menguasai keselamatan siber dan mengurus pasaran perkhidmatan di Malaysia, Filipina, Sudan Selatan, New Zealand & Australia. Kami merancang untuk mengembangkan kepakaran dan produk untuk menguasai keperluan, terutamanya dalam keselamatan IT.

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

Datakraf humbly start the business with only revenue of RM807,413 for first year and start increasingly to RM 1,533,410 (2019), RM 1,703,004.00 (2020) and RM2,345,919.38 (2021)
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Datakraf dengan merendah diri memulakan perniagaan dengan hanya pendapatan RM807,413 untuk tahun pertama dan mula meningkat kepada RM 1,533,410 (2019), RM 1,703,004 (2020) dan RM2,345,919 (2021)

Number of years in business? / Usia perniagaan?

Datakraf Solution business registered in November 2015, and the business has been running for almost 7 years.
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Perniagaan Datakraf Solution telah didaftarkan pada November 2015, dan perniagaan itu telah berjalan selama hampir 7 tahun.

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

To expand the company's product and services in marketing, sales, and product development. Funds raised will be used for equipment purchases for ongoing contracts.
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Untuk mengembangkan produk dan perkhidmatan syarikat dalam pemasaran, jualan, dan pembangunan produk.Dana yang diperoleh akan digunakan untuk pembelian peralatan untuk kontrak yang sedang berjalan.

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

Please download Factsheet in this Investment Note for more information.

This is a Contract Financing by Issuer to finance a project awarded by Ministry of Education (MoE) to provide lease-to-use ICT hardware services for teaching and learning needs. For risk mitigation, the contract has been independently verified by microLEAP and we have Standing Instructions (SI) in place to ensure prompt payment of the profit and principal into our Trust account.

As rated by Experian, the Issuer i-score is rated as 9 (‘Strong’) with a Probability of Default (PD) 1% to 1.5% while the Guarantor is rated with 5 (‘Fair’) with PD of 10% - 20%. This Issuer has a Low Risk of Default, has a strong Credit Quality due to its good cash flow. The Issuer currently has a healthy revenue that more than covers the monthly repayments. ____________________________________________________________________________________
Sila muat turun Lembaran Fakta dalam Nota Pelaburan ini untuk maklumat lebih lanjut.

Ini adalah Pembiayaan Kontrak oleh Pengeluar untuk membiayai projek yang dianugerahkan oleh Kementerian Pendidikan Malaysia (KPM) untuk menyediakan perkhidmatan perkakasan ICT yang disewa-guna untuk keperluan pengajaran dan pembelajaran. Untuk mengurangkan risiko, kontrak telah disahkan oleh microLEAP dan kami akan mendapatkan Arahan pembayaran Tetap (SI) daripada Penerbit untuk memastikan pembayaran lancar bagi jumlah keuntungan dan prinsipal ke dalam akaun Amanah kami.

Invest Now
Rate of Returns
9%
(equivalent to 18% p.a)
Total Gross Return on Investment
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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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