Pelaburan jangka pendek yang menarik...

Penulis ditawarkan untuk invest dalam syarikat ini, tetapi tak sempat nak subscribe dah penuh quota! haha.. takde rezeki. Jarang dapat yang macam ni... perniagaan haji & umrah lak tu.

 Investment Analysis

Factor	Details	Evaluation
Business Type	Umrah, Hajj & Travel Services	✅ Established market
Years in Business	~11 years (since May 2014)	✅ Experienced
Revenue Growth	RM 1.225M (2022) → RM 8.05M (2024)	✅ Strong growth
Profitability	RM 0.470M (2022) → RM 1.653M (2024)	⚠️ Improving, but needs stability
Total Assets	RM 2.922M (2022) → RM 6.431M (2024)	✅ Positive growth
Total Liabilities	RM 2.836M (2022) → RM 3.845M (2024)	⚠️ High debt levels
Credit Risk Rating	MR6 (Medium Risk of Default)	⚠️ Moderate risk
Probability of Default	10% - 20%	⚠️ Risky investment
Loan Financing	RM 500,000, 18% p.a., 3-month balloon payment	⚠️ High-cost, short-term repayment risk
Market Demand	Growing Muslim travel & religious tourism	✅ Positive outlook
Competitive Edge	PJH License, MATTA member, industry expertise	✅ Strong advantage
Business Expansion	Plans to expand Kembara Muslim & travel packages	✅ Diversification opportunity
Potential Risks	- High liabilities

• Repayment pressure
• Regulatory & travel restrictions | ⚠️ Medium-High Risk | | Investment Suitability | High-risk, high-reward | ⚠️ For risk-tolerant investors |

Verdict

• Best for investors who can handle moderate to high risk.
• Short-term concerns: High liabilities, repayment pressure.
• Long-term potential: Growing revenue, strong market presence.
• Recommendation: Monitor financial health before investing. ✅

Komen penulis, way back in 1998, penulis pernah handle kes sebuah syarikat yang kononnya menawarkan perkhidmatan Time Sharing vacation home. Yang menariknya, syarikat itu kononnya beroperasi dan memiliki beberapa buah apartment seakan homestay untuk jemaah umrah tinggal, so kiranya kalau kita join jadi member, adalah rumah kita tinggal semasa mengerjakan umrah di tanah suci, bolehlah kurangkan belanja & tumpukan perhatian kepada ibadah..... tapi sayang, itulah hanya impian yang berkecai menjadi debu, kerana semuanya helah mengaut untung daripada orang pencen. Syarikat hilang daripada radar setelah berjaya mengaut dan memakan duit secara haram bertopengkan agama. Penulis sendiri tak dapat menahan air mata mendengar aduan klien ...kerana masa tu penulis sendiri pun baru pulang daripada mengerjakan umrah.