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NT-2206-00010

NT-2206-00010

i
MR7

Ohh Bakery, Food & Beverage,

RM 29,000 for 24 month term. RM 29,000 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 diceburi mereka?

Ohh Bakery & Cafe is a registered brand of Ohh Nak Food and was established in 2021.
Ohh Bakery & Cafe's tagline is Your Neighbourhood Cafe. Our aim is to supply quality pastries from careful ingredient selection that is halal and to expand our operations throughout Malaysia.
We provide a variety of specialty desserts made fresh daily such as Eclairs, Tarts, Pavlova, Cakes, Brownies, Croissant, Cream Puff and other savouries prepared at our central kitchen in Denai Alam, Shah Alam. Our signature and best-selling products among others would be our Durian Crepe Mousse and our Japanese Cream Puff.
Our next expansion plan is to open up two smaller cafes called Ohh Express in Kuala Lumpur and Petaling Jaya.
One of our business models is also to supply our products to other cafes and restaurants which we are currently supplying to Serai group and one of the branches of Richiamore Café
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Ohh Bakery & Cafe ialah jenama berdaftar Ohh Nak Food dan telah ditubuhkan pada tahun 2021.
Slogan Ohh Bakery & Cafe ialah Kafe Kejiranan Anda. Matlamat kami adalah untuk membekalkan pastri berkualiti daripada pemilihan bahan yang teliti yang halal dan untuk mengembangkan operasi kami di seluruh Malaysia.
Kami menyediakan pelbagai pencuci mulut istimewa yang dibuat segar setiap hari seperti Eclairs, Tarts, Pavlova, Kek, Brownies, Croissant, Cream Puff dan savouries lain yang disediakan di dapur pusat kami di Denai Alam, Shah Alam. Produk terkenal dan terlaris kami antara lain ialah Mousse Durian Crepe dan Puff Krim Jepun kami.
Pelan pengembangan kami yang seterusnya ialah membuka dua kafe kecil bernama Ohh Express di Kuala Lumpur dan Petaling Jaya.
Salah satu model perniagaan kami juga adalah untuk membekalkan produk kami ke kafe dan restoran lain yang sedang kami bekalkan kepada kumpulan Serai dan salah satu cawangan Richiamore Café

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

CEO of Ohh Bakery is in charge of growth and development of the business. Previously she was the Chief Operating Officer of a marketing agency and still the Director of the company. The agency carries big clientele such as Institut Jantung Negara, Construction Industry Development Board (CIDB) and Johor Corp to name a few. Prior to that, she was with Media Prima Group, developing new businesses and assets under the group such as TV9, Tonton and Gua.
Ohh Bakery second Partner is a Diploma in Hotel Management graduate and has 11 years combined experience in the food & beverage line. Prior to setting up Ohh Bakery, she had a food truck business selling cakes and pastries at farmer's market and events. She is now spearheading the daily operation of Ohh Bakery as the Chief Operating Officer.
Ohh Bakery third Partner is a graduate from Media Integratif Malaysia (MIIM) Akademi TV3. Prior to Ohh Bakery, she was a broadcast journalist for a number of media houses such as NTV7, Malaysia Kini and The Malaysian Insight. She is now the Chief Marketing Officer handles Sales & Marketing of Ohh Bakery.
There are also 8 other staff employed under Ohh Bakery, 5 are baking experts, 1 culinary chef and 2 crew.
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Ketua Pegawai Eksekutif Ohh Bakery bertanggungjawab ke atas pertumbuhan dan pembangunan perniagaan. Sebelum ini beliau adalah Ketua Pegawai Operasi sebuah agensi pemasaran dan masih Pengarah syarikat itu. Agensi itu membawa pelanggan besar seperti Institut Jantung Negara, Lembaga Pembangunan Industri Pembinaan (CIDB) dan Johor Corp untuk menamakan beberapa. Sebelum itu, beliau bersama Kumpulan Media Prima, membangunkan perniagaan dan aset baharu di bawah kumpulan itu seperti TV9, Tonton dan Gua.
Ohh Bakery Rakan Kongsi yang ke-2 ialah graduan Diploma Pengurusan Hotel dan mempunyai pengalaman gabungan selama 11 tahun dalam barisan makanan & minuman. Sebelum menubuhkan Ohh Bakery, dia mempunyai perniagaan trak makanan yang menjual kek dan pastri di pasar tani dan acara. Beliau kini menerajui operasi harian Ohh Bakery sebagai Ketua Pegawai Operasi.
Ohh Bakery Rakan Kongsi yang ke-3 ialah graduan dari Media Integratif Malaysia (MIIM) Akademi TV3. Sebelum Ohh Bakery, beliau adalah seorang wartawan penyiaran untuk beberapa rumah media seperti NTV7, Malaysia Kini dan The Malaysian Insight. Beliau kini menjadi Ketua Pegawai Pemasaran mengendalikan Jualan & Pemasaran Ohh Bakery.
Terdapat juga 8 kakitangan lain yang bekerja di bawah Ohh Bakery, 5 adalah pakar baking, 1 chef masakan dan 2 krew.

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

The company plan is to set up 10 kiosks called Ohh Express in Klang Valley by the end of 2022 and another Cafe in 2023. The Ohh Express Kiosk is designed to cater on-the-go customers. We are currently in talks of entering Institut Jantung Negara and Aeon Shah Alam.
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Rancangan Perniagaan adalah untuk menubuhkan 10 kios yang dipanggil Ohh Express di Lembah Klang menjelang akhir tahun 2022 dan sebuah lagi Kafe pada tahun 2023. Kios Ohh Express direka bentuk untuk memenuhi keperluan pelanggan semasa dalam perjalanan. Kami kini dalam perbincangan untuk memasuki Institut Jantung Negara dan Aeon Shah Alam.

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

The company has made a total RM444,155 in just 6 months of operation in year 2022.
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Syarikat telah mendapat hasil jualan sebanyak RM444,155 hanya dalam tempoh 6 bulan beroperasi pada tahun 2022.

Number of years in business? / Usia perniagaan?

The business registered in July 2021, and the business has been running for almost 1 year.
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Perniagaan telah didaftarkan pada Julai 2021, dan perniagaan telah beroperasi hampir 1 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 will be used to increase the production capacity and expand Ohh Express Kiosk.
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Dana tersebut akan digunakan untuk meningkatkan kapasiti pengeluaran dan mengembangkan Kiosk Ohh Express.

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 i-score is rated as N/A due to insufficient borrowing record with banks and other financial institutions. The Guarantor is rated 7 (Good) with a PD (Probability of Default) of >2.5%-5% with a good payment record with other lenders. The Issuer has sufficient revenue to manage its payment of RM 1,546.67 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 Penerbit dinilai sebagai N/A kerana rekod pinjaman yang tidak mencukupi dengan bank dan institusi kewangan lain. Penjamin dinilai 7 (Baik) dengan PD (Kebarangkalian lalai) >2.5% -5% dengan rekod pembayaran yang baik dengan pemberi pembiayaan yang lain. Penerbit mempunyai hasil yang mencukupi untuk menguruskan pembayarannya sebanyak RM 1,546.67 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.
.

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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