NT-2410-00031

NT-2410-00031

i
MR7

Rembau Cargo & Packing Services , Logistics,

RM 100,000 for 24 month term. RM 100,000 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?

Rembau Movers, headquartered in Sepang, Selangor with a branch in Kemaman and plans for expansion to Johor Bahru in early 2025, operates in logistics, freight forwarding, and relocation, serving B2C (Business-to-Consumer) clients through social media marketing for residential and international moves, B2B (Business-to-Business) clients in the oil & gas sector with PETRONAS and SHELL contractors, and B2G (Business-to-Government) clients by engaging in government tenders, with services spanning both domestic and international markets.
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Rembau Movers, yang beribu pejabat di Sepang, Selangor dengan cawangan di Kemaman dan merancang untuk mengembangkan ke Johor Bahru pada awal 2025, beroperasi dalam logistik, penghantaran barang dan penempatan semula, melayani pelanggan B2C (Perniagaan-ke-Pengguna) melalui pemasaran media sosial untuk kediaman dan langkah antarabangsa, pelanggan B2B (Perniagaan -ke- Perniagaan) dalam sektor minyak & gas dengan kontraktor PETRONAS dan SHELL, dan pelanggan B2G (Perniagaan -to- Kerajaan) dengan melibatkan diri dalam tender kerajaan, dengan perkhidmatan yang merangkumi pasaran domestik dan antarabangsa.

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

The company currently has 10 employees across five departments: air freight, sea freight, relocation, warehouse, marketing, and administration and human resources. The two directors bring extensive experience in the logistics industry, with one having 30 years of experience and the other 7 years. One of the directors has an IT background and previously worked on IT projects for Universiti Teknologi PETRONAS.

An interesting fact is that with a proper marketing strategy, the business can shift from a local focus to an international presence.

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Syarikat itu kini mempunyai 10 pekerja merentasi lima jabatan: pengangkutan udara, pengangkutan laut, penempatan semula, gudang, pemasaran, dan pentadbiran serta sumber manusia. Kedua-dua pengarah tersebut membawa pengalaman yang luas dalam industri logistik, dengan seorang mempunyai pengalaman selama 30 tahun dan satu lagi 7 tahun. Salah seorang pengarah mempunyai latar belakang IT dan pernah mengusahakan projek IT untuk Universiti Teknologi PETRONAS.

Fakta menarik ialah dengan strategi pemasaran yang betul, perniagaan boleh beralih daripada tumpuan tempatan kepada kehadiran antarabangsa.

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

Planning in the next 2-3 years as below:

1. Geographic Expansion and Additional Outlets

Domestic and Regional Growth: We plan to open new branches in key logistics hubs to improve our service reach and reduce transit times. This expansion will allow us to serve a broader client base and enhance our presence in strategic locations. The targeted location is Penang, Kota Kinabalu Sabah & Johor Bahru, Johor

International Reach: We aim to establish partnerships with agents in high-demand international markets, streamlining our processes for cross-border logistics and enhancing our network for global freight services. The partnership is plan for both freight forwarding & relocation activities.

2. Automation

Logistics and Warehouse Management Systems: Implementing advanced warehouse management and logistics software will help us improve efficiency, track shipments in real-time, and optimize route planning.

3. Green and Sustainable Logistics

Eco-Friendly Initiatives: We’re committed to sustainability and plan to adopt eco-friendly practices such as transitioning to fuel-efficient or electric vehicles for local deliveries and using sustainable packaging solutions.

4. Enhancing Customer Experience

Digital Platforms: To develop a one stop centre whereby client may track their shipment status realtime
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Perancangan dalam 2-3 tahun akan datang seperti di bawah:

1. Peluasan Geografi dan Cawangan Tambahan

Pertumbuhan Domestik dan Serantau: Kami merancang untuk membuka cawangan baharu di hab logistik utama untuk meningkatkan jangkauan perkhidmatan kami dan mengurangkan masa transit. Peluasan ini akan membolehkan kami memberi perkhidmatan kepada pangkalan pelanggan yang lebih luas dan meningkatkan kehadiran kami di lokasi strategik. Lokasi yang disasarkan ialah Pulau Pinang, Kota Kinabalu Sabah & Johor Bahru, Johor

Jangkauan Antarabangsa: Kami menyasarkan untuk mewujudkan perkongsian dengan ejen dalam pasaran antarabangsa permintaan tinggi, memperkemas proses kami untuk logistik rentas sempadan dan meningkatkan rangkaian kami untuk perkhidmatan pengangkutan global. Perkongsian itu adalah rancangan untuk kedua-dua aktiviti penghantaran & pemindahan barang.

2. Automasi

Logistik dan Sistem Pengurusan Gudang: Melaksanakan pengurusan gudang termaju dan perisian logistik akan membantu kami meningkatkan kecekapan, menjejaki penghantaran dalam masa nyata dan mengoptimumkan perancangan laluan.

3. Logistik Hijau dan Mampan

Inisiatif Mesra Alam: Kami komited terhadap kemampanan dan merancang untuk menerima pakai amalan mesra alam seperti beralih kepada kenderaan jimat bahan api atau elektrik untuk penghantaran tempatan dan menggunakan penyelesaian pembungkusan yang mampan.

4. Meningkatkan Pengalaman Pelanggan

Platform Digital: Untuk membangunkan pusat sehenti di mana pelanggan boleh menjejaki status penghantaran mereka dalam masa nyata

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

Our annual sales turnover as below:

- 2022 : RM745,663
- 2023 : RM 1,063,479
- 2024 : RM2,533,161 (as of July 2024)
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Pusingan jualan tahunan kami seperti di bawah:
- 2022 : RM745,663
- 2023 : RM 1,063,479
- 2024 : RM2,533,161 (setakat Julai 2024)

Number of years in business? / Usia perniagaan?

This business has been running for the past 7 years since 2017
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Perniagaan ini telah berjalan sejak 7 tahun lalu sejak 2017

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

1. Expanding Our Fleet and Equipment

New Vehicles and Trailers: Acquiring additional trucks and trailers will allow us to handle a larger volume of shipments and operate more routes,

Material Handling Equipment: Investing in forklifts, pallet jacks, and conveyor systems will streamline warehouse operations to improve efficiency and reducing

2. Upgrading Technology and Digital Infrastructure

Warehouse Management System (WMS): WMS will help us to optimize inventory control, manage orders in real time, and improve overall warehouse efficiency.

Real-Time Tracking and Customer Portal: Developing a customer-facing platform with real-time shipment tracking and online booking will improve customer satisfaction and transparency, allowing clients to manage their logistics needs with ease.

3. Expanding and Training Staff

Hiring Skilled Staff: We plan to recruit additional warehouse staff, drivers, and logistics coordinators to support our growing operations.

Staff Training Programs: Implementing training sessions focused on safety, customer service, and operational excellence will help ensure our team can deliver high-quality service and handle increasing demand.

4. Marketing and Business Development

Targeted Marketing Campaigns: Funds will be used for marketing initiatives aimed at reaching new clients in emerging markets, both domestically and internationally. The funds will be used more on social media marketing platform to generated leads, sales & brand awareness

Partnerships and Networking: Allocating resources to attend industry events, develop partnerships, and strengthen our brand presence will help us build long-term business relationships and expand our client base.
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1. Memperluaskan Armada dan Peralatan Kami

Kenderaan dan Treler Baharu: Memperolehi trak dan treler tambahan akan membolehkan kami mengendalikan jumlah penghantaran yang lebih besar dan mengendalikan lebih banyak laluan,

Peralatan Pengendalian Bahan: Melabur dalam forklift, bicu palet dan sistem penghantar akan menyelaraskan operasi gudang untuk meningkatkan kecekapan dan mengurangkan

2. Menaik taraf Teknologi dan Infrastruktur Digital

Sistem Pengurusan Gudang (WMS): WMS akan membantu kami mengoptimumkan kawalan inventori, mengurus pesanan dalam masa nyata dan meningkatkan kecekapan gudang secara keseluruhan.

Penjejakan Masa Nyata dan Portal Pelanggan: Membangunkan platform yang menghadapi pelanggan dengan penjejakan penghantaran masa nyata dan tempahan dalam talian akan meningkatkan kepuasan dan ketelusan pelanggan, membolehkan pelanggan mengurus keperluan logistik mereka dengan mudah.

3. Memperluas dan Melatih Kakitangan

Mengambil Kakitangan Mahir: Kami merancang untuk mengambil kakitangan gudang tambahan, pemandu dan penyelaras logistik untuk menyokong operasi kami yang semakin berkembang.

Program Latihan Kakitangan: Melaksanakan sesi latihan yang tertumpu pada keselamatan, perkhidmatan pelanggan dan kecemerlangan operasi akan membantu memastikan pasukan kami dapat menyampaikan perkhidmatan berkualiti tinggi dan mengendalikan permintaan yang semakin meningkat.

4. Pemasaran dan Pembangunan Perniagaan

Kempen Pemasaran Sasaran: Dana akan digunakan untuk inisiatif pemasaran yang bertujuan untuk mencapai pelanggan baharu dalam pasaran baru muncul, di dalam dan di luar negara. Dana akan digunakan lebih banyak pada platform pemasaran media sosial untuk menjana petunjuk, jualan & kesedaran jenama

Perkongsian dan Rangkaian: Memperuntukkan sumber untuk menghadiri acara industri, membangunkan perkongsian dan mengukuhkan kehadiran jenama kami akan membantu kami membina hubungan perniagaan jangka panjang dan mengembangkan pangkalan pelanggan kami.

The rationale behind the Issuer's Credit Risk Score - microLEAP's Comments / Rasional Skor Risiko Kredit bagi Penerbit– Komen microLEAP

Please download the Fact sheet in this Investment Note for more information.

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 6 (Fair) with a Probability of Default (PD) of >5%-10%. The Guarantor is rated as 6 (Fair) with a Probability of Default (PD) of >5%-10% and the 2nd Guarantor is rated as 6 (Fair) with PD of >5%-10%.

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.

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 6 (Sederhana) dengan Kebarangkalian Lalai (PD) >5%-10%. Penjamin dinilai sebagai 6 (Sederhana) dengan Kebarangkalian Lalai (PD) >5%-10% dan Penjamin Kedua dinilai sebagai 6 (Sederhana) dengan PD >5%-10%.

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
14.8% 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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