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NT-2208-00008

NT-2208-00008

i
LR3

Duogo, IT / Technology,

RM 300,000 for 6 month term. RM 300,000 funded 1 Days Left

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 RM300,000 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 : RM300,000
Profit Rate : 1.5% per month (equivalent to 18% p.a)
Investment Tenor : 6 months
Payment Method : Balloon Payment

Payment Schedule :
Month 1 – RM4,500.00 (Profit only)
Month 2 – RM4,500.00 (Profit only)
Month 3 – RM4,500.00 (Profit only)
Month 4 – RM4,500.00 (Profit only)
Month 5 – RM4,500.00 (Profit only)
Month 6 – RM304,500.00 (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 Invois (Pesanan Pembelian) sebanyak RM300,000 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 : RM300,000
Kadar Keuntungan : 1.5% sebulan (bersamaan 18% setahun)
Tenor Pelaburan : 6 bulan
Kaedah Pembayaran : Pembayaran Belon
Jadual Pembayaran Balik :
Bulan 1 – RM4,500.00 (Keuntungan sahaja)
Bulan 2 – RM4,500.00 (Keuntungan sahaja)
Bulan 3 – RM4,500.00 (Keuntungan sahaja)
Bulan 4 – RM4,500.00 (Keuntungan sahaja)
Bulan 5 – RM4,500.00 (Keuntungan sahaja)
Bulan 6 – RM304,500.00 (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?

Duogo involved in providing merchants with a cloud-based retail management solution such as POS-integrated membership, voucher, and stamp management. Integrated payment solution, inventory management, data analytics, etc. It also offers turnkey solutions such as ERP and B2B system solutions.
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Duogo terlibat dalam pedagang dengan penyelesaian pengurusan runcit berasaskan pendigitalan seperti keahlian bersepadu POS, baucar dan pengurusan setem. Penyelesaian pembayaran bersepadu, pengurusan inventori dan analitik data dan sebagainya. Penyelesaian pembayaran bersepadu, pengurusan inventori dan analitik data, dan sebagainya. Ia juga menawarkan penyelesaian dari awal hingga akhir bagi sesuatu projek seperti penyelesaian sistem ERP dan B2B.

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

The company is majority owned by two Bumiputras. The rest are owned by non Bumis and small shareholders.
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Syarikat ini majoritinya dimiliki oleh dua orang Bumiputera. Selebihnya dimiliki oleh bukan Bumis dan pemegang saham kecil.

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

In the near future, Duogo will roll out its franchise stores nationwide, functioning as a retail and digital transformation center. It will also work with The Malay Chamber of Commerce (DPMM) to support 10,000 small merchants to improve their businesses.
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Dalam masa terdekat, Duogo akan melancarkan kedai francaisnya di seluruh negara, berfungsi sebagai pusat transformasi runcit dan digital. Ia juga akan bekerjasama dengan Dewan Perniagaan Melayu (DPMM) untuk menyokong 10,000 peniaga kecil untuk meningkatkan perniagaan mereka.

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

The company closed the account with RM1.6 million Revenue in 2020 and around RM2 million Revenue in 2021. The company is expected to make RM4 million in revenue by year-end 2022 with RM500k net profit.
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Syarikat itu telah menutup akaun dengan RM1.6 juta Hasil pada 2020 dan sekitar RM2 juta Hasil pada 2021. Syarikat itu dijangka memperoleh RM4 juta hasil menjelang akhir tahun 2022 dengan keuntungan bersih RM500k.

Number of years in business? / Usia perniagaan?

The business registered in June 2017, and the business has been running for almost 5 years.
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Perniagaan telah didaftarkan pada June 2017, dan perniagaan telah beroperasi hampir 5 tahun.

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

The fund will be used to finance our purchase to keep up with our increasing order book.
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Dana itu akan digunakan untuk membiayai pembelian kami untuk mengikuti perkembangan buku pesanan kami.

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 Invoice issued by Issuer to provide a Marketing Solution System to the Buyer who will pay within 6 months from the delivery date.

Invoice has 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 9 (Strong) with a Probability of Default (PD) of >1%-1.5%. The 1st Guarantor is rated as 5 (Fair) with a Probability of Default (PD) of >1.5%-2.5% and 2nd Guarantor is rated with 4 (Weak) with Probability of Default (PD) of >2.5%-5% and the 3rd Guarantor is rated with 8 (Good) with Probability of Default (PD) of >2.5%-5%. The Issuer currently has a healthy revenue that more than covers the monthly repayments.

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.
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Sila muat turun Lembaran Fakta dalam Nota Pelaburan ini untuk maklumat lebih lanjut.

Ini adalah Pembiayaan Invois untuk membiayai Invois yang dikeluarkan oleh Pengeluar untuk menyediakan Sistem Penyelesaian Pemasaran kepada Pembeli yang akan membayar dalam tempoh 6 bulan dari tarikh penghantaran.

Seperti yang dinilai oleh Experian, i-skor Syarikat Pengeluar dinilai sebagai 9 (Strong) dengan Kebarangkalian Lalai (PD) >1%-1.5%. Penjamin Pertama dinilai sebagai 5 (Fair) dengan Kebarangkalian Lalai (PD) >10%-20% dan Penjamin Kedua dinilai dengan 8 (Baik) dengan Kebarangkalian Lalai (PD) >1.5%-2.5% . Pengeluar pada masa ini mempunyai hasil yang sihat yang lebih daripada menampung bayaran balik bulanan.

Penerbit ini mempunyai Risiko Kelalaian yang rendah dan mempunyai Kualiti Kredit yang kuat kerana aliran tunai yang baik. Penerbit pada masa ini mempunyai pendapatan yang baik melebihi pembayaran balik bulanan.

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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
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.

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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