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.
A Rich Precision Supply 5, Trading,
RM 75,000 for 18 month term. RM 75,000 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?
As a Malaysian-owned business, our mission is to help local businesses succeed in any given marketplace – delivering high performance craft, custom printed paper bags to brands and audiences. To succeed in today’s competitive environment, brands need to be recognizable, be memorable and be shareable. Here at A Rich Precision Supply (ARPS), we are committed to going above and beyond to address the exact needs of a business, and enhance each client’s brand to stand in, and out from, the crowd. To date, ARPS has a significant presence in the corporate, retail and premium gift related businesses, while planning, producing & supporting elite local and international brands with our integrated customer service package. With nearly 10 years of experience and combined with our many associations, we are able to keep abreast of all the latest worldwide developments and the ability to implement appropriate technology to the Malaysia market.
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Sebagai perniagaan milik Malaysia, misi kami adalah untuk membantu perniagaan tempatan berjaya dalam mana-mana pasaran tertentu – menyampaikan kraf berprestasi tinggi, beg kertas bercetak tersuai kepada jenama dan khalayak. Untuk berjaya dalam persekitaran kompetitif hari ini, jenama perlu dikenali, diingati dan boleh dikongsi. Di A Rich Precision Supply (ARPS), kami komited untuk pergi ke atas dan seterusnya untuk menangani keperluan sebenar perniagaan, dan meningkatkan jenama setiap pelanggan untuk menonjol, dan keluar daripada, orang ramai. Sehingga kini, ARPS mempunyai kehadiran yang ketara dalam perniagaan korporat, runcit dan hadiah premium yang berkaitan, sambil merancang, menghasilkan & menyokong jenama tempatan dan antarabangsa elit dengan pakej perkhidmatan pelanggan bersepadu kami. Dengan pengalaman hampir 10 tahun dan digabungkan dengan banyak persatuan kami, kami dapat mengikuti perkembangan terkini di seluruh dunia dan keupayaan untuk melaksanakan teknologi yang sesuai untuk pasaran Malaysia.
Who is the owner / key person(s) in the business? / Siapakah Pemilik Perniagaan ini?
The Director first venture into the paper packaging industry in 2006, whereby he worked at a business specializes in the manufacturing and trading of paper bags and die cut bags. A couple of years later, he received an offer at another paper packaging company as a marketing manager. It is there he manages to grow his name in the local industry and get to known various industry players. During his time there, he got to know some paper packaging machine suppliers selling at a discounted price, which is why he decided to venture into the manufacturing industry himself while partnering with his uncle.
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Pengarah pertama kali menceburi industri pembungkusan kertas pada tahun 2006, di sebuah perniagaan yang mengkhusus dalam pembuatan dan perdagangan beg kertas dan beg die cut. Beberapa tahun kemudian, beliau menerima tawaran di syarikat pembungkusan kertas lain sebagai pengurus pemasaran. Di situlah beliau berjaya mengembangkan namanya dalam industri tempatan dan mengenali pelbagai pemain industri. Sepanjang berada di sana, dia mengenali beberapa pembekal mesin pembungkus kertas yang menjual dengan harga diskaun, sebab itu dia mengambil keputusan untuk menceburi industri pembuatan sendiri sambil bekerjasama dengan bapa saudaranya.
What are their future plans? / Apakah pelan masa depan mereka?
Currently our plan is to expand our market share in this industry and we will continue to secure large brands as our expansion plan.
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Pada masa ini rancangan kami adalah untuk mengembangkan bahagian pasaran kami dalam industri ini kerana kami menjangka ekonomi pasca pandemik akan meningkat dalam masa terdekat berikutan pembukaan semula kebanyakan sektor ekonomi.
What has been their annual sales turnover?/ Bagaimanakah hasil jualan tahunan?
YTD-2023 total revenue: RM37.943 mil and profit: RM1.312 mil
2022 total revenue: RM29.961 mil and profit: RM1.168 mil
2021 total revenue: RM20.751 mil and profit: RM0.744 mil
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Jumlah hasil Sehingga Kini 2023: RM37.943 juta dan keuntungan: RM1.312 juta
Jumlah hasil 2022: RM29.961 juta dan keuntungan: RM1.168 juta
Jumlah hasil 2021: RM20.751 juta dan keuntungan: RM0.744 juta
Number of years in business? / Usia perniagaan?
10 years
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10 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 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 the 5th Investment Note hosted by Issuer on microLEAP's Platform. The Issuer has made a full and early settlement for its three (3) Investment Notes with microLEAP. The Issuer has sufficient revenue to manage its payment to microLEAP and both the Issuer and Guarantors have shown a good payment track record with other lenders. We have Standing Instructions (SI) in place to ensure prompt payment of the profit and principal into our Trust account.
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 8 (Good) with a Probability of Default (PD) of >1.5%-2.5% and the 2nd Guarantor is rated as 8 (Good) with PD of >1.5%-2.5%.
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.
Ini merupakan Nota Pelaburan ke-5 oleh Penerbit. Penerbit telah membuat penyelesaian penuh dan awal untuk tiga (3) Nota Pelaburannya dengan microLEAP. Penerbit mempunyai hasil yang mencukupi untuk mengurus pembayarannya kepada microLEAP dan kedua-dua Penerbit dan Penjamin telah menunjukkan rekod prestasi pembayaran yang baik dengan pemberi pinjaman yang lain. Kami mempunyai Arahan Tetap (SI) untuk memastikan pembayaran segera keuntungan dan prinsipal ke dalam akaun Amanah kami.
Seperti yang dinilai oleh Experian, i-skor Syarikat Pengeluar dinilai sebagai 7 (Baik) dengan Kebarangkalian Lalai (PD) >2.5%-5%. Penjamin dinilai sebagai 8 (Baik) dengan Kebarangkalian Lalai (PD) >1.5%-2.5% dan Penjamin Kedua dinilai sebagai 8 (Baik) dengan PD >1.5%2.5%.
Nota Pelaburan ini mempunyai penarafan MR7 (Risiko Sederhana 7) dan oleh itu ia mempunyai Kualiti Kredit Sederhana Rendah dan Risiko Sederhana Atas Kelalaian.
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.
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.
This Investment Note pays a lower Interest Rate and has a lower Risk of Default.
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This Investment Note pays a low Interest Rate and has a low Risk of Default.
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This Investment Note pays a medium-low Interest Rate and has a medium-low Risk of Default.
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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.
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.
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.
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.
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.
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.