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NT-2208-00007

NT-2208-00007

i
MR4

Devices World, IT / Technology,

RM 252,000 for 6 month term. RM 252,000 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 an Invoice (Purchase Order) Financing of RM252,000 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: RM252,000
Profit Rate : 1.5% per month (equivalent to 18% p.a)
Investment Tenor: 6 months
Payment Method: Balloon Payment

Payment Schedule :
Month 1 – RM 3,780.00 (Profit only)
Month 2 – RM 3,780.00 (Profit only)
Month 3 – RM 3,780.00 (Profit only)
Month 4 – RM 3,780.00 (Profit only)
Month 5 – RM 3,780.00 (Profit only)
Month 6 – RM 255,780.00 (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 Invois (Pesanan Pembelian) sebanyak RM252,000 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 : RM252,000
Kadar Keuntungan : 1.5% sebulan (bersamaan 18% setahun)
Tenor Pelaburan : 6 bulan
Kaedah Pembayaran : Pembayaran Belon
Jadual Pembayaran Balik :
Bulan 1 – RM 3,780.00 (Keuntungan sahaja)
Bulan 2 – RM 3,780.00 (Keuntungan sahaja)
Bulan 3 – RM 3,780.00 (Keuntungan sahaja)
Bulan 4 – RM 3,780.00 (Keuntungan sahaja)
Bulan 5 – RM 3,780.00 (Keuntungan sahaja)
Bulan 6 – RM 255,780.00 (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?

The company production facility is located in Puchong Jaya, Selangor Darul Ehsan. Devices World founded in 2000, is a Malaysian-owned and developed technology company dedicated to researching, developing, and deploying high-quality solutions for device monitoring and management across all industries.
All of the core hardware, software, and firmware are designed and developed entirely in Malaysia.
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Kemudahan pengeluaran syarikat terletak di Puchong Jaya, Selangor Darul Ehsan. Devices World yang diasaskan pada tahun 2000, ialah syarikat teknologi yang dimiliki rakyat Malaysia yang berdedikasi untuk menyelidik, membangun dan menggunakan penyelesaian berkualiti tinggi untuk pemantauan dan pengurusan peranti merentas semua industri.
Semua perkakasan teras, perisian dan perisian tegar direka dan dibangunkan sepenuhnya di Malaysia.

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

The directors are the main shareholders of the company. He is leading the whole operation of the company.
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Pengarah tersebut merupakan pemegang saham utama syarikat. Dia mengetuai keseluruhan operasi syarikat.

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

To further expand providers of monitored devices and device management services throughout Malaysia and South East Asia.
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Untuk mengembangkan lagi penyedia peranti yang dipantau dan perkhidmatan pengurusan peranti di seluruh Malaysia dan Asia Tenggara.

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

In the year 2019, our group revenue is RM 13,182,241.
In the year 2020, our group revenue is RM 7,088,226.
And the year 2021, our group revenue is RM 8,371,634.00.
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Pada tahun 2019, hasil jualan kumpulan kami adalah sekitar RM 13,182,241.
Pada tahun 2020, hasil jualan kumpulan kami adalah sekitar RM 7,088,226.
Dan pada tahun 2021, hasil jualan kumpulan kami adalah sekitar RM 8,371,634.00.

Number of years in business? / Usia perniagaan?

The company commenced operation in 2000, and the business has been running for more than 20 years.
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Syarikat ini mula beroperasi pada tahun 2000, dan perniagaan telah berjalan selama lebih daripada 20 tahun.

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

We will utilize the funds for working capital.
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Kami akan menggunakan dana untuk modal kerja.

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.
This is an Invoice Financing to finance the Purchase Order from a leading integrated facilities management company that specialises in the provision of non-clinical support services to the healthcare sector in Malaysia who will pay within 6 months from the delivery date.
Invoices have been independently verified by microLEAP and the proceeds will be credited into an account that is jointly controlled by microLEAP.
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%. The Guarantor is rated as 7 (Good) with a Probability of Default (PD) of >2.5%-5%. The Issuer currently has a healthy revenue that more than covers the monthly repayments.
This Investment Note has an MR4 (Medium Risk 4) rating and so it has a medium-weak credit quality and medium-high risk of default.
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Sila muat turun Lembaran Fakta dalam Nota Pelaburan ini untuk maklumat lebih lanjut.
Ini adalah Pembiayaan Invois untuk membiayai Pesanan Pembelian daripada syarikat pengurusan kemudahan bersepadu terkemuka yang mengkhusus dalam penyediaan perkhidmatan sokongan bukan klinikal kepada sektor penjagaan kesihatan di Malaysia yang akan membayar dalam tempoh 6 bulan dari tarikh penghantaran.
Seperti yang dinilai oleh Experian, i-skor Syarikat Pengeluar dinilai sebagai 7 (Baik) dengan Kebarangkalian Lalai (PD) >2.5%-5%. Penjamin pula dinilai sebagai 7 (Baik) dengan Kebarangkalian Lalai (PD) >2.5%-5%. Pengeluar pada masa ini mempunyai hasil yang sihat yang lebih daripada menampung bayaran balik bulanan.
Nota Pelaburan ini mempunyai penarafan MR4 (Risiko Sederhana 4) dan oleh itu ia mempunyai kualiti kredit sederhana-lemah dan risiko kemungkiran sederhana-tinggi.

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

Credit Ratings
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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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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