NT-2409-00006

MR5

SME - TCY FRUITS SUPPLY SDN. BHD., Smecorp,

RM 500,000 for 36 month term. RM 500,000 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? / Siapakah Penerbit dan apakah perniagaan diceburi mereka?

Our business mainly wholesale and retail of fruit . We are supplies to local companies and individuals.

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

1 Director
3 Operation/Admin
4 Sales and marketing
2 Drivers

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

Our business currently is Penang region and next 2-3 years to be expand to Perak and other regions.

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

2023 - 5,810,479
2022 - 4,957,694
2021 - 4,109,716

Number of years in business? / Usia perniagaan?

Business established since 25/09/2020

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

From the fund release we intend to use it as working capital to standby for the next 2nd half
to purchase more law material best price due to current uncertainly weaken RM currency and high
inflation. Law material in increasing and hope this fund obtained can help our business in shorter cash
flow.

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

n/a

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.