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 2, Food & Beverage,
RM 100,000 for 24 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 mereka?
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, the company turnover is around RM1,669,087.53. The net profit is around RM261,041.41. Our management account for the year 2023 as of September shows a turnover of around RM1,743,867.12.
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Walaupun merupakan syarikat serba baharu yang bermula pada Q1 2022, perolehan syarikat adalah sekitar RM1,669,087.53. Keuntungan bersih adalah sekitar RM261,041.41. Akaun pengurusan kami untuk tahun 2023 setakat September menunjukkan perolehan sekitar RM1,743,867.12.
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?
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 / Rasional Skor Risiko Kredit bagi Penerbit– Komen microLEAP
Please download the Factsheet in this Investment Note for more information.
This is the 2nd Investment Note hosted by Issuer. 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 microLEAP and other lenders but has sufficient revenue to manage its payments to microLEAP, maintaining a good payment track record.
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.
Ini merupakan Nota Pelaburan ke-2 oleh Penerbit. 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 microLEAP dan pemberi pinjaman lain tetapi mempunyai hasil yang mencukupi untuk menguruskan pembayarannya kepada microLEAP, mengekalkan rekod prestasi pembayaran yang baik.
Nota Pelaburan ini mempunyai penarafan MR7 (Risiko Sederhana 7) dan oleh itu ia mempunyai Kualiti Kredit Sederhana Rendah dan Risiko Sederhana Atas Kelalaian.
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.
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.
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.
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.
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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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.
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.
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.
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.
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.
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.