Risk Reduction
Choice to Lower Investment Risk
We Are Possibly The 1st P2P Platform In World To Reward
Risk Reduction & Lower Financing Cost
When our issuers reduces their risk, they would get risk reduction incentives as illustrated below.
| No. |
Risk Reduction
Incentive Rate % (up to)
|
|
|---|---|---|
| Strength of the Issuer | ||
| 1 |
Issuer is owned ≥ 51% (Effective Shareholding) by the Malaysian Government, State Governments, GLCs, GLICs and Government bodies / agencies or its subsidiaries. |
0.40 |
| 2 |
Issuer is either a Corporation / Public Listed Company (PLC) with NTA of ≥ RM30m or is owned ≥51% (Effective Shareholding) by a Corporation / PLC with NTA of ≥ RM30m. |
0.20 |
| 3 |
Issuer is either a Corporation / Public Listed Company (PLC) with NTA of ≥ RM10m or is owned ≥51% (Effective Shareholding) by a Corporation / PLC with NTA of ≥ RM10m. |
0.10 |
| Strength of Project / Contract Awarder / Paymaster | ||
| 4 |
The financing of the Investment Note is in respect of projects or contracts relating to supplies, services or works awarded by the Malaysian Government, State Governments, GLCs, GLICs and Government bodies / agencies or by their respective subsidiaries (≥51% Effective S/holding). |
0.40 |
| 5 |
The financing of the Investment Note is in respect of projects or contracts relating to supplies, services or works awarded by a Corporation or Public Listed Company (PLC) with NTA of ≥ RM30m or by their respective subsidiaries (≥51% Effective S/holding). |
0.20 |
| 6 |
The financing of the Investment Note is in respect of projects or contracts relating to supplies, services or works awarded by a Corporation or Public Listed Company (PLC) with NTA of ≥ RM10m or by their respective subsidiaries (≥51% Effective S/holding). |
0.10 |
| For Account Receivables / Invoice Financing | ||
| 7 |
Invoice is to a Paymaster that is M'sian Govt. (incl. State Govt.)/ GLCs/ GLICs or its bodies or agencies or its subsidiaries where a Notice of Assignment of receivables from the Issuer to the Paymaster has been acknowledged by the Paymaster but without recourse to the Paymaster. |
0.40 |
| 8 |
Invoice is to a Paymaster that is a Corporation / Public Listed Company (PLC) with NTA of ≥ RM30m or is owned ≥51% (Effective S/holding) by a Corporation / PLC with NTA of ≥ RM30m where a Notice of Assignment of receivables from the Issuer to the Paymaster has been acknowledged by the Paymaster but without recourse to the Paymaster. |
0.20 |
| 9 |
Invoice is to a Paymaster that is a Corporation / Public Listed Company (PLC) with NTA of ≥ RM10m or is owned ≥51% (Effective S/holding) by a Corporation / PLC with NTA of ≥ RM10m where a Notice of Assignment of receivables from the Issuer to the Paymaster has been acknowledged by the Paymaster but without recourse to the Paymaster. |
0.10 |
| Other Risk Reduction Incentives | ||
| 10 |
Key Director's / Corporate / Third Party GUARANTEES. |
0.20 |
| 11 |
Invoice is INSURED against Bad Debt / Delayed Payments @90%. |
0.50 |
| 12 |
Keyman(s) / Key Management Insurance (Life) Policy assigned to Platform (0.20% per keyman, max. 0.40%). |
0.40 |
| 13 |
Marketable Property @<60% OMV as collateral. |
1.00 |
| 14 |
Guarantee from Credit Guarantee Corporation Malaysia @50%. |
1.00 |
| Notes: The Platform reserves the right to vary the indicative Discount / Rebates / Incentive from time to time and on a case to case basis. | ||
