NT-2508-7796764

NT-2508-7796764

i
MR7

MVSB, Food & Beverage,

RM 50,000 for 18 month term. RM 50,000 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 yang dijalankan?

MVSB is a well-established Arab food restaurant based in Kajang, Selangor. Since its inception, the restaurant has built a strong reputation for serving authentic Middle Eastern cuisine, with a consistent emphasis on quality, cultural authenticity, and customer satisfaction. MVSB caters to a diverse and growing customer base, including families, working professionals, students, and food enthusiasts who seek a premium Arab dining experience.
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MVSB ialah sebuah restoran makanan Arab yang bertapak di Kajang, Selangor. Sejak penubuhannya, restoran ini telah membina reputasi yang kukuh untuk menyajikan masakan asli Timur Tengah, dengan penekanan yang konsisten terhadap kualiti, keaslian budaya dan kepuasan pelanggan. MVSB memenuhi keperluan asas pelanggan yang pelbagai dan berkembang, termasuk keluarga, profesional yang bekerja, pelajar dan penggemar makanan yang mencari pengalaman bersantap Arab yang premium.

Who is the owner / key person(s) in the business? / Siapakah pemilik / individu penting dalam perniagaan?

The business is managed by a team of experienced professionals, each with over a decade of expertise in the food and beverage industry. Their collective knowledge and leadership play a key role in ensuring the restaurant’s continued success and commitment to delivering high-quality Middle Eastern cuisine.
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Perniagaan ini diuruskan oleh pasukan profesional berpengalaman, masing-masing mempunyai lebih sedekad kepakaran dalam industri makanan dan minuman. Pengetahuan dan kepimpinan kolektif mereka memainkan peranan penting dalam memastikan kejayaan dan komitmen berterusan restoran untuk menyampaikan masakan Timur Tengah berkualiti tinggi.

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

The issuer has outlined plans to strengthen its position as a leading Arab cuisine restaurant in Kajang by enhancing the customer experience, expanding menu offerings, and adopting digital solutions such as online ordering and delivery services. Over the next 1 to 3 years, the issuer intends to increase seating capacity, introduce catering services, and explore the establishment of a second outlet within the Klang Valley.
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Penerbit telah menggariskan rancangan untuk mengukuhkan kedudukannya sebagai restoran masakan Arab terkemuka di Kajang dengan meningkatkan pengalaman pelanggan, mengembangkan penawaran menu, dan mengguna pakai penyelesaian digital seperti pesanan dalam talian dan perkhidmatan penghantaran. Dalam tempoh 1 hingga 3 tahun akan datang, penerbit berhasrat untuk meningkatkan kapasiti tempat duduk, memperkenalkan perkhidmatan katering, dan meneroka penubuhan cawangan kedua di Lembah Klang.

What has been their annual sales turnover? / Berapakah jumlah perolehan jualan tahunan mereka?

YTD 2025 total revenue (Partial period: 1 April 2025 to 31 July 2025): RM 598,356
2025 total revenue (Financial year: 1 April 2024 to 31 March 2025): RM 1,675,262
2024 total revenue (For the period 21 October 2022 to 31 March 2024): RM 1,254,738
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Jumlah hasil YTD 2025 (Tempoh separa: 1 April 2025 hingga 31 Julai 2025): RM 598,356
Jumlah hasil 2025 (Tahun kewangan: 1 April 2024 hingga 31 Mac 2025): RM 1,675,262
Jumlah hasil 2024 (Bagi tempoh 21 Oktober 2022 hingga 31 Mac 2024): RM 1,254,738

Number of years in business? / Berapa lamakah perniagaan ini telah beroperasi?

The business has been in operation for nearly three years.
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Perniagaan ini telah beroperasi selama hampir tiga tahun.

How would the Issuer utilise the funds raised on the platform? / Bagaimanakah Penerbit akan menggunakan dana yang diperoleh di platform?

The financing obtained will be utilised to strengthen the company’s operations and support its future growth. Funds will be allocated toward working capital requirements, including supplier payments, inventory, and staff salaries. Additionally, the financing will be used to upgrade the restaurant’s interior and increase seating capacity, as well as invest in kitchen equipment and digital systems to enhance overall operational efficiency.

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Pembiayaan yang diperoleh akan digunakan untuk mengukuhkan operasi syarikat dan menyokong pertumbuhan masa depannya. Dana akan diperuntukkan untuk keperluan modal kerja, termasuk pembayaran pembekal, inventori dan gaji kakitangan. Di samping itu, pembiayaan akan digunakan untuk menaik taraf dalaman restoran dan meningkatkan kapasiti tempat duduk, serta melabur dalam peralatan dapur dan sistem digital untuk meningkatkan kecekapan operasi keseluruhan.

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 first Investment Note hosted by the Issuer.

The Issuer has sufficient revenue to manage its payment to microLEAP and both the Issuer and Guarantors have shown a good payment track record with other lenders. 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 9 (Strong) with a Probability of Default (PD) of >1%-1.5%.

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 dan kedua-dua Penerbit dan Penjamin telah menunjukkan rekod prestasi pembayaran yang baik dengan pemberi pinjaman yang lain. Kami mempunyai Arahan Tetap (SI) untuk memastikan pembayaran segera keuntungan dan prinsipal ke dalam akaun Amanah kami.

Seperti yang dinilai oleh Experian, i-skor Penjamin dinilai sebagai 9 (Kuat) dengan Kebarangkalian Lalai (PD) >1%-1.5%.

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
14.5% 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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