Welcome to microLEAP. Would you like to Raise Funds or Become a P2P Investor?
NT-2207-00007

NT-2207-00007

i
MR6

Insan Dinamik Academy, Consultancy,

RM 20,000 for 18 month term. RM 20,000 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?

We are Multiple entities company which comprises of Training & Consultation Services, Digital Marketing, E- learning Services and Food and beverages services with 6 years of experience in these industries. We train and provide services for industrial professionals, young entrepreneurs, employees, graduates and more.
We cover multiple scopes such as food service strategic management, website and mobile application development, financial handling training, information technology training, entrepreneurship masterclass and more. We are rapidly growing training and service provider in South East Asia who captured multilevel clients and providing the best solution and advancement pathways for individuals and companies especially in terms of productivity.
We have 2 branches at this moment, headquarters is located in Level 23, Jalan Tun Sambathan, Kuala Lumpur. We are just new set up new physical training centre at Kepong (2 Mega Unit).
__________________________________________________________________________
Kami adalah syarikat Berbilang entiti yang terdiri daripada Perkhidmatan Latihan & Perundingan, Pemasaran Digital, Perkhidmatan E-pembelajaran dan perkhidmatan makanan dan minuman dengan pengalaman 6 tahun dalam industri ini. Kami melatih dan menyediakan perkhidmatan untuk profesional industri, usahawan muda, pekerja, graduan dan banyak lagi.
Kami meliputi pelbagai skop seperti pengurusan strategik dalam perkhidmatan makanan, pembangunan laman web dan aplikasi mudah alih, latihan pengendalian kewangan, latihan teknologi maklumat, kelas induk keusahawanan dan banyak lagi. Kami sedang berkembang pesat penyedia latihan dan perkhidmatan di Asia Tenggara yang menawan pelanggan pelbagai peringkat dan menyediakan penyelesaian terbaik dan laluan kemajuan untuk individu dan syarikat terutamanya dari segi produktiviti.
Kami mempunyai 2 cawangan pada masa ini, ibu pejabat terletak di Tingkat 23, Jalan Tun Sambathan, Kuala Lumpur. Kami baru sahaja menubuhkan pusat latihan fizikal baharu di Kepong (Unit 2 Mega).

Who is the owner / key person(s) in the business? / Siapakah pemilik / tunggak utama perniagaan ini?

The Director is also the founder for this company. He trains and provide services for industrial professionals, young entrepreneurs, employees, graduates and more. Currently, we have more than 20 Teachers and 30 Trainers.
__________________________________________________________________________________
Pengarah juga adalah pengasas bagi syarikat ini. Beliau melatih dan menyediakan perkhidmatan untuk profesional industri, usahawan muda, pekerja, graduan dan banyak lagi. Pada masa ini, kami mempunyai lebih daripada 20 Guru dan 30 Jurulatih.

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

We are planning to expand our business by opening New Physical Centres in various location. In 6 months, local expansion to increase website and Mobile Development to 100 Total Users, training Services to 150 Total Users, Digital Marketing to 250 Total Users and E-Learning to 550 Total Users in 6 months time.
______________________________________________________________________________________________
Kami merancang untuk mengembangkan perniagaan kami dengan membuka Pusat Fizikal Baharu di pelbagai lokasi. Pengembangan tempatan untuk meningkatkan pembangunan laman web dan mudah alih kepada 100 Jumlah Pengguna, melatih Perkhidmatan kepada 150 Jumlah Pengguna, Pemasaran Digital kepada 250 Jumlah Pengguna dan E-Pembelajaran kepada 550 Jumlah Pengguna dalam masa tempoh 6 bulan.

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

The company has closed the account with RM81,218.00 revenue in 2020 and RM272,160.18 revenue in 2021. Our business sales turnover is increasing every year. Estimated Yearly Developing 67% - 82%.
__________________________________________________________________________________
Syarikat telah menutup akaun dengan hasil RM81,218.00 pada tahun 2020 dan hasil RM272,160.18 pada tahun 2021. Pusingan jualan perniagaan kami meningkat setiap tahun. Anggaran Pembangunan Tahunan 67% - 82%.

Number of years in business? / Usia perniagaan?

The business registered in December 2019, and the business has been running for almost 3 years.
__________________________________________________________________________________
Perniagaan telah didaftarkan pada Desember 2019, dan perniagaan telah beroperasi hampir 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?

We will utilize the funds for business expansion.
___________________________________________________________________________
Kami akan menggunakan dana untuk pengembangan perniagaan.

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 as 5 (Fair) with a PD of >10%-20%. The Issuer has other borrowings from other lenders but has sufficient revenue to manage its payment of RM1,329.44 a month to microLEAP with a good payment record with other lenders.
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.
________________________________________________________________________________________

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%. Penjamin dinilai 5 (Wajar) dengan PD >10%-20%. Penerbit mempunyai pinjaman lain daripada pemberi pinjaman yang lain tetapi mempunyai hasil yang mencukupi untuk menguruskan pembayarannya sebanyak RM1,329.44 sebulan kepada microLEAP dengan rekod pembayaran baik dengan pemberi pinjaman yang lain.
Nota Pelaburan ini mempunyai penarafan MR6 (Risiko Sederhana 6) dan oleh itu ia mempunyai kualiti kredit sederhana-lemah dan risiko kemungkiran sederhana-tinggi.

Invest Now
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.

View Funding List