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.
Katering Seri Bandung, Food & Beverage,
RM 100,000 for 12 month term. RM 100,000 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?
Katering Seri Bandung is a well-known catering company with a Halal Certificate, serving in Penang. We offer a wide range of catering services, including Buffet Style, Dome, Hi-Tea, and Fine Dining, for various occasions such as Company Events, Housewarming, Wedding & Birthday Parties, Daily Pack Meals, and cafeteria services.
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Katering Seri Bandung ialah syarikat katering terkenal dengan Sijil Halal, berkhidmat untuk Pulau Pinang. Kami menawarkan pelbagai perkhidmatan katering, termasuk Gaya Bufet, Dome, Hi-Tea, dan Fine Dining, untuk pelbagai majlis seperti Acara Syarikat, Pemindahan Rumah, Majlis Perkahwinan & Hari Lahir, Makanan Pek Harian, dan perkhidmatan kafeteria.
Who is the owner / key person(s) in the business? / Siapakah Pemilik Perniagaan ini?
The Chairman of the company, is a young entrepreneur leading a team of over 50 staff. He has achieved numerous awards, including the Malaysia Role Model Enterprise Awards, Asean Master Class Awards, Asean Outstanding Business Awards, and more.
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Pengerusi syarikat, ialah seorang usahawan muda yang mengetuai pasukan lebih 50 kakitangan. Beliau telah mencapai pelbagai anugerah, termasuk Anugerah Perusahaan Role Model Malaysia, Anugerah Kelas Induk Asean, Anugerah Perniagaan Cemerlang Asean dan banyak lagi.
What are their future plans? / Apakah pelan masa depan perniagaan ini?
Our aim is to become the leading catering service company in Penang by the year 2025, and expand into the KL market before the year 2024.
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Matlamat kami adalah untuk menjadi syarikat perkhidmatan katering terkemuka di Pulau Pinang menjelang tahun 2025, dan berkembang ke pasaran KL sebelum tahun 2024.
What has been their annual sales turnover? / Bagaimanakah hasil jualan tahunan?
Despite being a brand-new company that started in Q1 2022, Katering Seri Bandung has already achieved a turnover of over 1 million.
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Walaupun merupakan syarikat serba baharu yang bermula pada Q1 2022, Katering Seri Bandung telah pun mencapai perolehan melebihi 1 juta.
Number of years in business? / Usia perniagaan?
Katering Seri Bandung Sdn Bhd was established in Jan 2022.
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Katering Seri Bandung Sdn Bhd telah ditubuhkan pada Jan 2022.
How would the Issuer utilise the funds raised on the platform? / Apakah yang kami akan lakukan dengan wang yang dikumpul di platfrom ini?
The funds raised will be invested in acquiring more cooking machines such as gas-fried rice cookers, freezers, and cool rooms for frozen food storage.
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Dana yang dikumpul akan dilaburkan untuk memperoleh lebih banyak mesin memasak seperti periuk nasi goreng gas, peti sejuk beku, dan bilik sejuk untuk penyimpanan makanan sejuk beku.
The rationale behind the Issuer's Credit Risk Score - microLEAP's Comments
Please download the Factsheet in this Investment Note for more information.
As rated by Experian, the Issuer's Company i-score is rated as 8 (Good) with a Probability of Default (PD) of >1.5%-2.5%. The Guarantor is rated as 6 (Fair) with a PD of >5%-10% and the 2nd Guarantor is rated 8 (Good) with a PD of >1.5%-2.5%. The Issuer has other borrowings from other lenders but has sufficient revenue to manage its payment of RM9,500.00 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 8 (Baik) dengan Kebarangkalian Lalai (PD) >1.5%-2.5%. Manakala, Penjamin dinilai 6 (Adil) dengan PD >5%-10% dan Penjamin kedua dinilai 8 (Baik) dengan PD >1.5%-2.5%. Penerbit mempunyai pinjaman lain daripada pemberi pinjaman yang lain tetapi mempunyai hasil yang mencukupi untuk menguruskan pembayarannya sebanyak RM9,500.00 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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