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NT-2208-00004

NT-2208-00004

i
MR7

APSB, Healthcare,

RM 300,000 for 12 month term. RM 300,000 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?

APSB involved in marketing, sales and distribution of Pharmaceutical and Healthcare products business. Currently, we are one of the top 10 distributors of Pharmaceutical products in Malaysia. Our goal is to be the market leader of Pharmaceutical and Healthcare products. Our customers base is mainly GP, Clinics, Hospitals, Pharmacies. We are in the above business for the past 60 years.
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APSB terlibat dalam pemasaran, penjualan dan pengedaran perniagaan produk Farmaseutikal dan Kesihatan. Pada masa ini, kami adalah salah satu daripada 10 pengedar produk Farmaseutikal terbaik di Malaysia. Matlamat kami adalah untuk menjadi peneraju pasaran produk Farmaseutikal dan Penjagaan Kesihatan. Pangkalan pelanggan kami terutamanya GP, Klinik, Hospital, Farmasi. Kami berada dalam perniagaan di atas selama 60 tahun yang lalu.

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

APSB has 60 years of experience in Healthcare industry. We started off by being main distributor for medical equipments and scientific supplies to government hospitals, clinics and private hospitals. Furthermore, we started distributing pharmaceutical products which complements our initial business.
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APSB mempunyai 60 tahun pengalaman dalam industri Penjagaan Kesihatan. Kami bermula dengan menjadi pengedar utama peralatan perubatan dan bekalan saintifik kepada hospital kerajaan, klinik dan hospital swasta. Tambahan pula, kami mula mengedarkan produk farmaseutikal yang melengkapkan perniagaan awal kami.

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

To be the market leader in the healthcare industry and aspire to achieve our goal by focusing on our unique strength and synergy among our group of companies and dedicated employees.
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Untuk menjadi peneraju pasaran dalam industri penjagaan kesihatan dan bercita-cita untuk mencapai matlamat kami dengan memberi tumpuan kepada kekuatan dan sinergi unik kami di kalangan kumpulan syarikat kami dan pekerja yang berdedikasi.

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

The company has closed the account with RM154.368 million Revenue in 2020 and RM145.148 million Revenue in 2021. With the economy recovering, the company expected to make RM215 million revenue by year-end 2022.
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Syarikat itu telah menutup akaun dengan Hasil RM154.368 juta pada 2020 dan Hasil RM145.148 juta pada 2021. Dengan pemulihan ekonomi, syarikat itu menjangkakan memperoleh pendapatan RM215 juta menjelang akhir tahun 2022.

Number of years in business? / Usia perniagaan?

The business registered in April 1984, and the business has been running for almost 38 years.
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Perniagaan telah didaftarkan pada April 1984, dan perniagaan telah beroperasi hampir 38 tahun.

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

To develop our own APSB brand products which requires purchase of stocks, marketing, advertising and distribution cost. Also, to develop online platform for the above.
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Untuk membangunkan produk jenama APSB kami sendiri yang memerlukan pembelian stok, pemasaran, pengiklanan dan kos pengedaran. Juga, untuk membangunkan platform dalam talian untuk perkara di atas.

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 7 (Good) with a Probability of Default (PD) of 2.5% - 5.0%. While 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 RM28,500.00 a month to microLEAP with a good payment record with other lenders.
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 7 (Baik) dengan Kebarangkalian Lalai (PD) 2.5% - 5.0%. Manakala Penjamin dinilai 5 (Sederhana) dengan PD 10%-20%. Penerbit mempunyai pinjaman lain daripada pemberi pinjaman yang lain tetapi mempunyai hasil yang mencukupi untuk menguruskan pembayarannya sebanyak RM28,500.00 sebulan kepada microLEAP dengan rekod pembayaran baik dengan pemberi pinjaman yang lain.
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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