NT-2201-00004

NT-2201-00004

i
MR5

SME - Elderly Gardens Care Centre, Healthcare,

RM 100,000 for 36 month term. RM 100,000 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?

No.55A & 55B, Jalan Awan Cina, Taman Yarl, 58200, KL
Pusat Penjagaan Orang Tua (Nursing Home)
Customers are mostly Hospital Referral
we have one branch in no.21, jaln 34B, Kg Cheras Baru,56100, K.L Sel.

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

Ravindran Kanagasaba 41 years old been in this industry for 14 year as its been as a family Business and had been running it by my self for 10 years. I always wanted to help the elderly people and now i can do it for a reasonable charges that can satisfy the customers.

What are their future plans?

my future plans is to find ways to improve more in this industries and to serve as much people as possible,

What has been their annual sales turnover?

2018 RM308,910
2019 RM470,024
2020 RM732,470

Number of years in business?

5 years

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

By the funds raised on microLEAP's platform, i will increase my staff so we could serve more customers as there is increasing number of elderly that need the service we offer and will buy more equipment to such as hospital beds, oxygen machine and other required things for the need of the business and the customers.

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

N/A

Invest Now
Rate of Returns
2% p.a
Total Gross Return on Investment
-

Funded Note

Credit Ratings
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.

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.

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