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.
SCP Embroidery & Trading 3, Trading,
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?
Our company is located in a 2.5 storey shop office in Taman Sentosa, Klang. Our company specializes in computerized embroidery services and trading of fiber yarn. We provide consultation services on custom made logo design and apparel as well. We also trade in an assortment of embroidery accessories, as well as fabric related products such as high-quality yarn, polyester elastic tapes and PE belts. We cater to the garments, textile, and tailoring industries.
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Syarikat kami terletak di pejabat kedai 2.5 tingkat di Taman Sentosa, Klang. Syarikat kami pakar dalam perkhidmatan sulaman berkomputer dan perdagangan benang gentian. Kami menyediakan perkhidmatan perundingan mengenai reka bentuk logo dan pakaian yang dibuat khas juga. Kami juga berdagang dalam pelbagai aksesori sulaman, serta produk berkaitan fabrik seperti benang berkualiti tinggi, pita anjal poliester dan tali pinggang PE. Kami memenuhi keperluan industri pakaian, tekstil dan jahitan.
Who is the owner / key person(s) in the business? / Siapakah Pemilik Perniagaan ini?
The company was started in 2010 by our founder. He started doing sales in a local clothing shop when he was in his 20s and has since been growing together with the industry. He has more than 20 years of experience in this business and is well known among his peers in this industry. We currently have 20 full timed staffs.
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Syarikat ini dimulakan pada tahun 2010 oleh pengasas kami. Dia mula melakukan jualan di kedai pakaian tempatan ketika berusia 20-an dan sejak itu telah berkembang bersama-sama dengan industri. Beliau berpengalaman lebih 20 tahun dalam perniagaan ini dan terkenal di kalangan rakan sebaya dalam industri ini. Pada masa ini kami mempunyai 20 kakitangan sepenuh masa.
What are their future plans? / Apakah pelan masa depan mereka?
Our plan is to increase our customer base while growing our product options. We currently have no plans to expand yet and shall concentrate on our existing outlet.
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Rancangan kami adalah untuk meningkatkan pangkalan pelanggan kami sambil mengembangkan pilihan produk kami. Pada masa ini kami belum bercadang untuk mengembangkan lagi dan akan menumpukan perhatian kepada cawangan sedia ada kami.
What has been their annual sales turnover? / Bagaimanakah hasil jualan tahunan?
Management accounts up to November 2023 is RM17,549,356.50 and net profit before tax is RM770,185.94
The audited turnover for the year March 2023 amounted to RM21,567,387
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Akaun pengurusan sehingga November 2023 ialah RM17,549,356.50 dan untung bersih sebelum cukai ialah RM770,185.94
Jumlah dagangan yang diaudit bagi tahun March 2023 berjumlah RM21,567,387
Number of years in business? / Usia perniagaan?
16 Years
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16 Tahun
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 will be use to secure stocks for the festive season preparations.
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Dana itu akan digunakan untuk mendapatkan stok untuk persiapan musim perayaan.
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 3rd Investment Note hosted by Issuer. The Issuer has made a full settlement for its 1st Investment Notes with microLEAP. As rated by Experian, the Issuer's Company i-score is rated as 5 (Fair) with a Probability of Default (PD) of >10%-20%. The Guarantor is rated as 8 (Good) with a PD of >1.5%-2.5% and the 2nd Guarantor is rated 7 (Good) with a PD of >2.5%-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-3 oleh Penerbit. Penerbit telah membuat penyelesaian penuh untuk Nota Pelaburan yang pertama mereka bersama microLEAP. Seperti yang dinilai oleh Experian, i-skor Syarikat Pengeluar dinilai sebagai 5 (Adil) dengan Kebarangkalian Lalai (PD) >10%-20%. Manakala, Penjamin dinilai 8 (Baik) dengan PD >1.5%-2.5% dan Penjamin kedua dinilai 7 (Baik) dengan PD >2.5%-5%. Penerbit mempunyai pinjaman lain daripada microLEAP dan pemberi pinjaman lain tetapi mempunyai hasil yang mencukupi untuk menguruskan pembayarannya kepada microLEAP bagi 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.