NT-2408-00016

NT-2408-00016

i
MR7

SP One Way Seven, Transportation,

RM 25,000 for 18 month term. RM 25,000 funded

100 % 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?

SP One Way Seven is a transportation and logistics company that provides reliable goods delivery services across Peninsular Malaysia, from Johor Bahru to Perlis. They focus on safe and timely deliveries, catering to various industries with a skilled team and a well-maintained fleet. Their goal is to offer quality service and ensure customer satisfaction.
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SP One Way Seven ialah syarikat pengangkutan dan logistik yang menyediakan perkhidmatan penghantaran barangan yang boleh dipercayai di seluruh Semenanjung Malaysia, dari Johor Bahru ke Perlis. Mereka memberi tumpuan kepada penghantaran yang selamat dan tepat pada masanya, memenuhi pelbagai industri dengan pasukan mahir dan armada yang diselenggara dengan baik. Matlamat mereka adalah untuk menawarkan perkhidmatan yang berkualiti dan memastikan kepuasan pelanggan.

Who is the owner / key person(s) in the business? / Siapakah Pemilik Perniagaan ini?

The owner oversees all company operations to ensure everything runs smoothly, while the team manages daily logistics to ensure goods are delivered safely and on time. With 9 years of experience in transportation and logistics, the owner has helped the company grow and maintain high standards of service.

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Pemilik menyelia semua operasi syarikat untuk memastikan semuanya berjalan lancar, manakala pasukan menguruskan logistik harian untuk memastikan barang dihantar dengan selamat dan tepat pada masanya. Dengan pengalaman selama 9 tahun dalam pengangkutan dan logistik, pemilik telah membantu syarikat berkembang dan mengekalkan standard perkhidmatan yang tinggi.

What are their future plans? / Apakah pelan masa depan mereka?

With the RM 25,000 approval, they plan to buy an additional lorry to meet growing client demand. This will improve their delivery capacity and efficiency, allowing them to handle more shipments and increase sales.

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Dengan kelulusan RM 25,000, mereka bercadang untuk membeli lori tambahan bagi memenuhi permintaan pelanggan yang semakin meningkat. Ini akan meningkatkan kapasiti dan kecekapan penghantaran mereka, membolehkan mereka mengendalikan lebih banyak penghantaran dan meningkatkan jualan.

What has been their annual sales turnover? / Bagaimanakah hasil jualan tahunan?

Their turnover for YTD May 2024 ( RM 537,400) profit (RM 516,239)
Their turnover for year 2023 ( RM 486,279) profit (RM 451,882)
Their turnover for year 2022 ( RM 421,286) profit (RM 66,523)

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Perolehan mereka untuk YTD Mei 2024 ( RM537,400) keuntungan (RM 516,239)
Perolehan mereka untuk tahun 2023 ( RM 486,279) keuntungan (RM 451,882)
Perolehan mereka untuk tahun 2022 ( RM 421,286) keuntungan (RM 66,523)

Number of years in business? / Usia perniagaan?

Their business has been operating since 2017.

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Perniagaan mereka telah beroperasi sejak 2017.

How would the Issuer utilise the funds raised on the platform? / Apakah yang kami akan lakukan dengan wang yang dikumpul di platform ini?

The funds raised will be used to add one more lorry to their fleet and hire an additional full-time driver. This expansion is expected to increase their revenue by 30%, making it easy for them to repay the installment amount.

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Dana yang dikumpul akan digunakan untuk menambah satu lagi lori ke armada mereka dan mengupah pemandu sepenuh masa tambahan. Pengembangan ini dijangka meningkatkan hasil mereka sebanyak 30%, memudahkan mereka membayar balik jumlah ansuran.

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

Please download the Factsheet in this Investment Note for more information.

This is the 1st Investment Note hosted by the Issuer.

The Issuer has sufficient revenue to manage its payment to microLEAP. We have Standing Instructions (SI) in place to ensure prompt payment of the profit and principal into our Trust account.

As rated by Experian, the Issuer's Guarantor is rated as 7 (Good) with a Probability of Default (PD) of >2.5%-5%.

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 naik Lembaran Fakta yang dilampirkan dalam Nota Pelaburan ini untuk maklumat lanjut.

Ini merupakan Nota Pelaburan yang pertama oleh Penerbit.

Penerbit mempunyai hasil yang mencukupi untuk mengurus pembayarannya kepada microLEAP. Kami mempunyai Arahan Tetap (SI) untuk memastikan pembayaran segera keuntungan dan prinsipal ke dalam akaun Amanah kami.

Seperti yang dinilai oleh Experian, Penjamin Pengeluar dinilai sebagai 7 (Baik) dengan Kebarangkalian Lalai (PD) >2.5%-5%.

Nota Pelaburan ini mempunyai penarafan MR7 (Risiko Sederhana 7) dan oleh itu ia mempunyai Kualiti Kredit Sederhana Rendah dan Risiko Sederhana Atas Kelalaian.

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Rate of Returns
14.9% p.a
Total Gross Return on Investment
-

Funded Note

Credit Ratings
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.

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.
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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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