NT-2201-00009

NT-2201-00009

i
MR5

SME - MAX PRO PROFESSIONAL CONSULTANTS, Services,

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?

This business based in OUG Square, Off Jalan Klang Lama, Kuala Lumpur. So far we operating our business in one (1) place. We are specialist in accounting, taxation, business management and advisory services. We have various type of clients who are involving in plantation, medical services, trading, engineering, transportation, health and beauty care, automotive and etc.

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

This business runs by Mr Ramani Yaloomalai since year 2011. He has 18 years experience in accounting, business advisory, taxation and other business management services.

What are their future plans?

We would like to expand by diversifying our advisory and management services and having more branches

What has been their annual sales turnover?

Year 2019 Sales RM64,730 Profit RM30,428
Year 2020 Sales RM68,795 Profit RM7,356
Year 2021 Sales RM124,700 Profit RM64,501

Number of years in business?

11

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

We will utilising the funds for adding employees, increasing in marketing efforts especially online marketing, forming an alliance, offering new services, acquiring another business and expanding online.

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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