NT-2409-00007

NT-2409-00007

i
MR6

SME - HOME CARE MARKETING, Retail,

RM 500,000 for 36 month term. RM 500,000 funded

100 % Funded

Is this a Shariah-compliant Investment Note? / Adakah ianya Nota Pelaburan patuh Syariah?

yes

Who is the Issuer and what does the business do?

We Home Care Marketing is an electrical store in Johor Bahru for ten years. We have 4 stores, also wholesale some goods to our peers, and also do business with design companies and furniture companies (the main customers are country garden and R＆F）

Who is the owner / key person(s) in the business?

The founder of Home Care Marketing is Ting TENG HUAT. He has 25 years of experience in the electrical industry, from salesperson to purchasesor to starting his own business.

What are their future plans?

Home Care Marketing has plans to expand two more branches by 2025 and will need a WAREHOUSE to arrange, receive, wholesale, transfer and deliver goods

What has been their annual sales turnover?

We had an average of 10 million turnover per year over the past three years.

Number of years in business?

10years

How would the Issuer utilise the funds raised on the platform?

Prepare to open branches and products to get more favorable prices.

The rationale behind the Issuer's Credit Risk Score - microLEAP's Comments

N/A

Invest Now
Rate of Returns
3% p.a
Total Gross Return on Investment
-

Funded Note

Credit Ratings
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.

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.

View Funding List