MONEYLENDING

SERVICES

We are committed on becoming the Bumiputera Money Lender of choice, pursuing excellence through dedication,
experience, and professional team with an ongoing passion to deliver the best rate
of services in Malaysia to help Malaysian Economic Growth.
 THE BUSINESS OPPURTUNITY
IN MALAYSIA

The economy of Malaysia is the third largest

in Southeast Asia and the 34th largest in the world in
terms of GDP. The Malaysian economy registered a
stronger growth of 8.9% in the second quarter of 2022.

Net financing to the private sector grew by 4.9% in the 1st

quarter year and estimation by BNM for the domestic
demand will be increase up to 6.9%
THE MONEYLENDER MARKET
KL ENERGY’s Total Addressable Market and Serviceable
Available Market

Total Addressable Market (TAM)

RM75.5 billion
earmark for
development in 2022

Serviceable Available
Market (SAM)

RM4.09 billion

ANNOUNCED BY MOF
THE MONEYLENDER MARKET
(cont’d)
Serviceable Obtainable Market

Market (SOM)
Serviceable
Obtainable
RM 50 Mil | 0.6%
KL ENERGY SOM Targeted by
Moneylending
SME LOAN
PERSONAL LOAN SECURED
HIRE PURCHASE LOAN LOAN
PROPERTY LOAN
Demand continues to be strong
for the moneylending business for balance

Surface Demand
20,338.3 Million Applications
Re-apply loan
9,848.7 Million applicants SME LOAN
Financial Approved PERSONAL LOAN
10,489.6 Million Successful HIRE PURCHASE LOAN
Applicants PROPERTY LOAN

Opportunity for RM31,656.6 Million

Moneylending disbursed to
applicants!
Generated
RM1,899.4 Million profit
per annum (6% p.a)
WHY ARE WE DIFFERENT?
Fully Licensed by Key Industry Players
PROJECTS OF THIS SCALE REQUIRES MONEYLENDING
LICENSE
INTERNATIONALLY RECOGNISED QUALITY MANAGEMENT SYSTEM
Recognised by Institute of Accredited Conformity & Assessment Board
OUR BUSINESS MODEL

APPLICANTS SECURED LOAN 12%

SME LOAN UNSECURED LOAN 18%
INVESTOR PERSONAL LOAN SME LOAN
HIRE PURCHASE LOAN
(MUDARABAH)
PROPERTY LOAN

ROI TO PROFIT
INVESTOR COLLECTED
8% P.A 12%-30%
P.A
INTRODUCING OF MUDARABAH CONCEPT UNDER
MONEYLENDING (SYARIAH COMPLIANCE)
Compliance with Shariah requirement is a prerequisite in ensuring the legitimacy and integrity of Islamic
financial products and services.

MUDARABAH is a contract based on a fiduciary relationship between a capital provider (rabbul mal) and an
entrepreneur (mudarib). Under a mudarabah, any profit generated from the capital is shared. Benefit of profit
sharing is highest return 30-70%.
PROJECT
EXECUTION

CONTRTACTOR/
ENTERPRUNEUR

INVESTOR
MUDARABAH CONTRACT
PROFIT SHARING
HOW WE WILL EXECUTE

Active Government Contract for SME &

Government Servant Only

AGREEMENT EXECUTION
AND STAMPING
Applications Screening
All secured by Collateral & DISBURSE TO
Through
loan approved must be APPLICANTS
CTOS/CRISS/SSM
40%-50% from the
collateral value
HOW PROJECT RISK IS MANAGED
By Screening Process CTOS/CRISS/SSM/LOA/

Approved CONTRACT DEPARTMENT CONTROLLER APPLICANTS

MONTHLY
Applications
& COLLECTION DEPARTMENT PAYMENT

SECURED BY COLLATERAL PRE SIGNING TRANSFER,

BIRO ANGKASA DEDUCTION & DIRECT ASSIGN
PAYMENT FOR SME LOAN
Presenting an Undervalued Opportunity
Key Highlight to this Investment

18%P/E Multiple

12%
P/E Multiple

Estimated At Point of Transaction Anticipated At Point of Project Completion

THE ASK
The Investment We Require from You and How It Will be Used

Investment Request Indicative Use of Funds

RM20 million
Redeemable by
Return On Investment
25%
Early Early
8% P.A
75%
Marketing
Development
Operational
Expenses
WE’VE PLANNED FOR YOUR EXIT
Exit Options Structured for You

Dividends Offer at 10% per Annum*

Buy Back Option at the end of 5 Years*

Fall Back to Ordinary Shares

(Convertible) at the end of 5 Years*

*Terms and Conditions Apply, please refer to the Official Term Sheet
 Offer Terms
Summary Terms

Minimum Investment Maximum Investment

Target Amount RM15 million RM20million

Type of Shares Redeemable Convertible Preference Shares

Pre Money Valuation RM10 million

Thank You
Contact Person:
Dr Khairil Azizi Aznam
CEO, KL ENERGY GROUP SDN.BHD
Contact Number: +60 12 763 2817