Company Profile

● FULLY GUARANTEED FINANCE PACKAGE
The issuer's fund raising campaign of RM300,000.00 (split into 2 tranches of RM150,000 per tranche) for its working capital financing requirement for the procurement of stocks to support its business in the retail, trading and distribution of mobile phones and accessories at its two (2) retail stores in Sungai Petani, Kedah and eight (8) Outdoor Sales stores co-located within the retail outlets of Perwira Niaga Malaysia (PERNAMA) inside the military camps in Malaysia will be carried out by way of issuing an Investment Note that comes with a PRINCIPAL GUARANTEED element. Investor will never lose their principal investment amount even if Issuer fails to repay.

● MONTHLY INVESTMENT RETURNS
The Investment Note calculated at simple interest rate of 8% p.a. will be repaid in ten equal monthly instalments of RM16,000.00 each. The Issuer’s 1st repayment will fall due on the 30th day after the fund raised was disbursed to the Issuer.

● HIGHER INVESTMENT RETURNS
At interest rate of 8% p.a., the net interest rate return (after deducting the Investor Service Fee of 1.35% p.a.) is 7.8560% p.a. Hence, the gross effective interest rate  and the net effective interest rate of the investment returns is 14.29% p.a. and 14.04% respectively.

● JOINT AND SEVERAL GUARANTEE BY ISSUER'S COMPANY DIRECTORS
In addition to the Investment Note's  principal protection element, a joint and several guarantee by the Issuer’s company directors and a 3rd party party personal guarantor gives investors a peace of mind on the Issuer’s default risk.

● STRONG CREDIT RATING
QuicSkor's Credit Score - 744 points (Risk Grading = B)

RAMCI's I-Score - 739 points, RAMCI's Risk Grading = 9 (Strong), RAMCI's Probabiity of Default  (PD)= 0.6% 

Risk Grading = 10 (Strong) [scale of 1 = Weak (Higher Risk) to 10 = Strong (Lower Risk)]

PD = Predicted likelihood that that the Issuer not able to repay its debts within the next 12 months [PD scale = 0.4% (lowest) to 47.7%(highest)] 

RAMCI's reports shows no record of legal actions, no record of Winding-Up Order (on the company), no record of bankruptcy actions on its directors/shareholders,  no record of trade / other credit reference on the company and all its directors. The directors' repayment track record for the credit facilities granted by the banks was well-conducted.