MIRA INFORM REPORT

 

 

Report Date :           

11.04.2012

 

IDENTIFICATION DETAILS

 

Name :

P.T. SUMATERA PRIMA FIBREBOARD

 

 

Formerly Known As :

P.T. MEGARIMBA KARYATAMA

 

 

Registered Office :

Wisma Indocement, 7th Floor, Jalan Jend. Sudirman Kav. 70-71, Jakarta Selatan, 12910

 

 

Country :

Indonesia

 

 

Date of Incorporation :

10.11.1993

 

 

Com. Reg. No.:

No. AHU-AH.01.10-00354

 

 

Legal Form :

Limited Liability Company

 

 

Line of Business :

Medium Density Fiberboard (MDF) Manufacturing

 

 

No. of Employees :

335

 

RATING & COMMENTS

 

MIRA’s Rating :

B

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Maximum Credit Limit :

US$ 6,000,000

 

 

Status :

Moderate

 

 

Payment Behaviour :

No Complaints

 

 

Litigation :

Clear

 

 

NOTES:

Any query related to this report can be made on e-mail : infodept@mirainform.com while quoting report number, name and date.

 

ECGC Country Risk Classification List – March 31st, 2012

 

Country Name

Previous Rating

                   (31.12.2011)                  

Current Rating

(31.03.2012)

Indonesia

b1

b1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


Name of Company

 

P.T. SUMATERA PRIMA FIBREBOARD

 

 

company Address

 

Head Office

Wisma Indocement, 7th Floor

Jalan Jend. Sudirman Kav. 70-71

Jakarta Selatan, 12910

Indonesia

Phones             - (62-21) 57940499 (Hunting)

Fax                   - (62-21) 57940495

Building Area     - 25 storey

Office Space      - 200 sq. meters

Region              - Commercial

Status               - Rent

 

Factory

Jalan Raya Prabumulih Km. 28

Desa Pulau Semambu, Ogan Ilir

Indralaya, 30622

South Sumatera

Indonesia

Phones             - (62-711) 580321 (Hunting)

Fax                   - (62-711) 580323, 581660

Land Area         - 50,000 sq. meters

Building Space  - 27,000 sq. meters

Region              - Industrial Zone

Status               - Owned

 

 

Date of Incorporation

 

a. 10 November 1993 as P.T. MEGARIMBA KARYATAMA

b. 14 July 2003 as P.T. SUMATERA PRIMA FIBREBOARD

 

 

Legal Form

 

P.T. (Perseroan Terbatas) or Limited Liability Company

 

Company Reg. No.

 

The Ministry of Law and Human Rights

 

- No. C2-6290 HT.01.01.TH.1994

  Dated 21 April 1994

 

- No. C-17829 HT.01.04.TH.2003

  Dated 30 July 2003

 

- No. AHU-62735.AH.01.02.TH.2008

  Dated 15 September 2008

 

- No. AHU-AH.01.10-00354

  Dated 7 January 2010

 

 

Company Status

 

Foreign Investment (PMA) Company

 

 

Permit by the Government Department

 

The Department of Finance

NPWP No. 01.642.919.3-057.000

 

The Capital Investment Coordinating Board

No. 77/V/PMA/2003

Dated 15 September 2003

 

 

Related Company

 

A Member Company of the NAPAN Group (see attachment)

 

 

CAPITAL AND OWNERSHIP

 

Capital Structure :

Authorized Capital                            : Rp. 1,000,000,000,000.-

Issued Capital                                  : Rp.    519,000,000,000.-

Paid up Capital                                : Rp.    519,000,000,000.-


Shareholders/Owners :

a. INTERNATIONAL VENTURES (L) LIMITED           - Rp. 221,400,000,000.-

    Address : Level 2, Lot 19, Lazenda Commercial

                    Center, Phase 3, 87000 Labuan F.T.

                    Malaysia

b. ASIA CIRCLE INC.                                              - Rp. 206,400,000,000.-

    Address : Portcullis Trustnet Chambers

                    PO Box. 3444, Road Town, Tortola

                    British Virgin Island

c. P.T. MURNI CIPTASENTOSA                              - Rp.   41,400,000,000.-

    Address : Wisma Indocement

                    Jl. Jend. Sudirman Kav. 7—71

                    Jakarta Selatan

                    Indonesia

d. Mr. Andry Pribadi                                              - Rp.   15,000,000,000.-

    Address : Jl. Sekolah Duta 1 No. 14-16

                    Jakarta Selatan

                    Indonesia

e. Mr. Wilson Pribadi                                             - Rp.   13,200,000,000.-

    Address : Jl. HOS Cokroaminoto  No. 39

                    Jakarta Pusat

                    Indonesia

 

 

 

f. Mr. Deddy Kusuma                                             - Rp.   12,000,000,000.-

    Address : Jl. Gunawarman Block Q No. 67

                    Jakarta Selatan, Indonesia

g. Mr. Surya Widjaja                                              - Rp.     9,600,000,000.-

    Address : Jl. Terusan Hanglekir No. IV/41

                    Jakarta Selatan

                    Indonesia

 

 

BUSINESS ACTIVITIES

 

Lines of Business :

Medium Density Fiberboard (MDF) Manufacturing

 

Production Capacity :

Medium Density Fiberboard (MDF)    - 125,000 cu. meters p.a.

 

Total Investment :

a.   Equity Capital                            - Rp. 519.0 billion

b.   Loan Capital                              - Rp. 127.0 billion

c.   Total Investment                         - Rp. 646.0 billion

 

Started Operation :

2003

 

Brand Name :

Sumatera Prima Fibreboard

 

Technical Assistance :

None

 

Number of Employee :

335 persons

 

Marketing Area :

Export      - 60%

Local      - 40%

 

Main Customer :

Buyers in Japan, South Korea, China, Europe Union and the USA

 

Market Situation :

Very Competitive

 

Main Competitors :

a. P.T. CANANG INDAH

b. P.T. HIJAU LESTARI RAYA FIBREBOARD

c. P.T. PARINDO PERMAI

d. P.T. RIMBA PARTIKEL INDONESIA

e. Etc.

 

Business Trend :

Growing

 

 

BANKER, AUDITOR & LITIGATION

 

Bankers :

a.   P.T. Bank CENTRAL ASIA Tbk

      Jalan Jend. Sudirman Kav. 22-23

      Jakarta 12910

      Indonesia

b.   P.T. Bank MANDIRI Tbk

      Wisma Indocement

      Jalan Jend. Sudiman Kav. 70-71

      Jakarta 12910

      Indonesia

 

Auditor :

Internal Auditor

 

Litigation :

No litigation record in our database

 

FINANCIAL FIGURE

 

Annual Sales (estimated) :

2009 – Rp. 388.0 billion

2010 – Rp. 398.0 billion

2011 – Rp. 412.0 billion

 

Net Profit (estimated) :

2009 – Rp. 34.9 billion

2010 – Rp. 35.8 billion

2011 – Rp. 40.4 billion

 

Payment Manner :

Average

 

Financial Comments :

Satisfactory

 

 

KEY EXECUTIVES

 

Board of Management :

President Director                            - Mr. Andry Pribadi

Directors                                         - a. Mr. Hendrianto Winata

                                                        b. Mr. Michael Pribadi

                                                        c. Mr. John Hendrarso

                                                        d. Mrs. Caecilia Vonny Nuraini Juwono

                                                        e. Mr. Tee Thye Kuian

 

Board of Commissioners :

President Commissioner                   - Mr. Wilson Pribadi

Commissioners                                - a. Mr. Deddy Kusuma

                                                        b. Mr. Surya Widjaja

                                                        c. Mr. Tejo Utomo

 

Signatories :

President Director (Mr. Andry Pribadi) or one of the Directors (Mr. Hendrianto Winata, Mr. Michael Pribadi, Mr. John Hendrarso, Mrs. Caecilia Vonny Nuraini Juwono or Mr. Tee Thye Kuian) which must be approved by Board of Commissioner.

 

 

CAPABILITIES

 

Management Capability :

Good

 

Business Morality :

Good

 

Credit Risk :

Average

 

Credit Recommendation :

Credit should be proceeded with monitor

 

Proposed Credit Limit :

Small amount – periodical review

 

Maximum Credit Limit :

US$ 6,000,000 on 90 days D/A

 

 

OVERALL PERFORMANCE

 

Initially named P.T. MEGARIMBA KARYATAMA it was established in November 1993 with the authorized capital of Rp. 50,000,000,000 issued capital of Rp. 40,000,000,000 entirely paid-up. Founders and original shareholders are Mr. Sudwikatmono, Mr. Eddy Sariatmadja, P.T. MURNI CIPTASENTOSA, Mr. Andry Pribadi AKA Liek Like Mien, Mr. Deddy Kusuma, Mr. Wilson Pribadi AKA Liem Oen Djoe and Mr. Surya Widjaja. They are all Indonesian businessmen of Chinese descent. The articles of association have frequently been revised. In July 2003, the company renamed to P.T. SUMATERA PRIMA FIBREBOARD (P.T. SPF). In July 2008, the authorized capital of the company was raised to Rp. 1,000,000,000,000 of which Rp. 519,000,000,000 was issued and fully paid up and concurrently whole shares of the company were controlled by Mr. Andry Pribadi AKA Liem Like Mien, Mr. Wilson Pribadi AKA Liem Oen Djoe, Mr. Deddy Kusuma, Mr. Surya Widjaja, P.T. MURNI CIPTASENTOSA, ASIA CIRCLE INC of British Virgin Island and INTERNATIONAL VENTURES (L) Ltd of Malaysia. We have since never heard of any changes having occurred in the capital structures and shareholder composition of the company to date. The latest in December 2009 the board of director and the board of commissioner has been changed (see profile of this report).

 

The latest revision of notary was made by Mrs. Agnes Angelika, SH., was approved by the Ministry of Law and Human Right in its Decision Letter No. AHU-AH.01.10-00354, dated January 07, 2010. P.T. SPF's shareholder namely P.T. MURNI CIPTASENTOSA is a private company whose majority business stakes are controlled by the Pribadi family. The Pribadi family is also founders and majority business stakes owner of the NAWA PANDUTA Group or the NAPAN Group, a medium sized business group in Indonesia.

 

P.T. SPF obtained license from Indonesian Investment Coordinating Board (BKPM) for dealing with medium density fiber board (MDF) manufacturing by managing a plant located at Desa Tanjung Seteko Km. 28, Indralaya, Ogan Komering Ilir, South Sumatra standing on 5.0 hectares land operating as from October 2003 with a capacity of 125,000 cubic meters of MDF per annum. The supply of raw material in the form of rubber woods is purchased from the Department of Forestry and smallholder’s plantation in South Sumatra. Construction of the plant absorbed an investment of Rp. 646.0 billion. Some 60% of her company products is exported to various countries including China, South Korea and Japan, Germany and the rest 40% is marketed locally to wooden furniture manufacturing companies through out Indonesian major cities. Some of the medium density fiberboard supplied wooden furniture among others are P.T. CIPTA PANEL BUANA, P.T. RIMBAWOOD ARSILESTARI, P.T. CAHAYA BUANA INTITAMA and other companies. We observe that P.T. SPF is classified as a medium sized company of its kind in the country of which the operation has been growing in the last three years.

 

Generally, demand for processed wood including medium density fiber (MDF) has been fluctuating in the last five years in line with the fluctuating export and domestic markets. It is estimated that the demand will kept on rising in the coming two-three years. Meanwhile, the competition is very tight on account of lots of similar companies operating in the country. The woodworking industry had been turning down within the last five years due to lack of raw materials, as far from transportation facility and fluctuation of export demand. It is estimated will keep going down within the coming two or three years as the impact of global economic crisis and tight banking liquidity since October 2008 hitherto. But we are sure that P.T. SPF will be able to maintain its business in the next years. The growth of said business is evident from the production and utility growth of the processed wood export volume and export value of plywood and sawn timber below:

 

The Export Growth of the Indonesian Main Processed Wood Products

2005 – 2010

Type of Commodities

2005

2006

2007

2008

2009

2010

Plywood :

-Volume (000 tons)

-Value (US$ million)

 

2,214.8

1,374.7

 

1,979.1

1,506.6

 

1,754.2

1,524.7

 

1,659.3

1,527.2

 

1,430.4

1,189.5

 

1,834.7

1,635.3

San Timber:

-Volume (000 tons)

-Value (US$ million)

 

371.7

281.6

 

474.5

414.8

 

151.0

144.1

 

    51.1

    55.6

 

36.4

36.7

 

32.3

31.3

Other Wood Products:

-Volume (000 tons)

-Value (US$ million)

 

2,143.5

1,430.2

 

1,926.2

1,403.4

 

1,713.0

1,409.0

 

1,059.3

1,238.2

 

1,201.4

1,048.8

 

1,825.1

1,204.0

Source: Central Bureau of Statistics (BPS)

 

Until this time P.T. SPF has not been registered with Indonesian Stock Exchange, so that they shall not obliged to announce their financial statement. The management of P.T. SPF is very reclusive towards outsiders and rejected to disclose its financial condition. We observed that total sales turnover of the company in 2009 amounted to Rp. 388.0 billion rose to Rp. 398.0 billion in 2010 increased to Rp. 412.0 billion in 2011 and projected to go on rising by at least 5% in 2012. The operation in 2011 yielded an estimated net profit of at least Rp. 40.4 billion and the company has an estimated total net worth of at least Rp. 551.0 billion. We observe that P.T. SPF is supported by foreign partner with has financially strong and sound behind it. So far, we did not heard that the company having been black listed by the Central Bank (Bank Indonesia). The company usually pays its debts punctually to suppliers.  

 

The management of P.T. SPF is led by Mr. Andry Pribadi (63) a businessman and professional manager of the NAPAN Group with experience in medium density fibreboard manufacturing and trading. The company's management is handled by professional manager in the above business. They have wide relations with private businessmen within and outside the country. So far, we did not hear that the management of the company being filed to the district court for detrimental cases or involved in any business malpractices. The company’s litigation record is clean and it has not registered with the black list of Bank of Indonesia. P.T. SUMATERA PRIMA FIBREBOARD is sufficiently fairly good for business transaction.

 

 

 

 

 

 

 

 

 

 

 

Attachment:

 

List of the NAPAN Group Members

 

 

1.       ACRINDONUSA FIBRE PRATAMA, P.T. (Acrylic Fibre Manufacturing)

2.       ADHIKARA SANDIKA, P.T. (Rubber Thread Manufacturing)

3.       ADIKARSA RAYAPRIMA, P.T. (Trading and Suppliers)

4.       ADIKRIDA PRIMALESTARI, P.T. (Trading and Suppliers)

5.       AMCOL HOLDING (S) PTE. LTD., Singapore (Investment Holding)

6.       ANDALAN  PRIMULA, P.T. (Investment Holding)

7.       ARCOM PRIMANTARA SYSTEMS, P.T. (Agency and Distribution of Computers and Peripherals)

8.       ARGA INDAH PRATAMA, P.T. (Housing Development)

9.       ARGA MOLEK KENCANA, P.T. (Real Estate Development)

10.   ARGHA KARYA PRIMA INDUSTRY Tbk., P.T. (Oriented Polypropylene Film Manufacturing)

11.   ARGHA SEALINDOPRIMA INDUSTRY, P.T. (Automotive Seal Manufacturing)

12.   ASIAN CONRAD HOLDING Ltd., British Virgin Island (Investment Holding)

13.   ASTENIA, P.T. (Investment Holding)

14.   BAHANAJAYA ADISAKTI, P.T. (General Contracting, Trading and Transportation Service)

15.   BATAVIA CITY REALTY, P.T. (Properties Development and Management)

16.   BHASKARA DUNIAJAYA, P.T. (Investment Holding)

17.   BHUMANDALA AGUNG, P.T. (Investment Holding)

18.   BINA TAMBAK LESTARI, P.T. (Shrimp Culture)

19.   BRANTA MULIA Tbk., P.T. (Nylon Tyre Cord Manufacturing)

20.   BRANTA MULIA MALAYSIA, Malaysia (Nylon Tyre Cord Manufacturing)

21.   BRANTA MULIA TEIJIN INDONESIA, P.T. (Nylon Filament Yarns Manufacturing)

22.   BUMI LESTARI ABADI, P.T. (Housing Development)

23.   CATERISON SUKSES, P.T. (Country Club Management)

24.   CENTRALINDO PANCASAKTI, P.T. (Cellular Telephone Operator and Investment Holding)

25.   CITRA MARGA NUSAPHALA PERSADA, P.T. (Toll Road Management)

26.   DERMAGA PERKASA PRATAMA, P.T. (Coal Terminal Management)

27.   DJATI YUDHA CELLULAR, P.T. (Telecommunication Development)

28.   DUABANU INTERNUSA, P.T. (Granite Mining and Processing)

29.   DUTA NUSABINA LESTARI, P.T. (Property Management)

30.   DUTA PERKASA UNGGULESTARI, P.T. (Real Estate Management)

31.   ELANGMAS PERKASA SEJATI, P.T. (Industrial Estate Management)

32.   FOREVERGREEN INTERNATIONAL, P.T. (International Restaurant)

33.   GITANIRWANA MANDRASAKTI, P.T. (Investment Holding)

34.   HARTINDO CHEMICATAMA INDUSTRI, P.T. (Chemicals for Fire Extinguisher Manufacturing)

35.   INDOALUM INTIKARSA INDUSTRY, P.T. (Aluminum Sheet and Foil Industry)

 

36.   INDOCITRA GRAHABAWANA, P.T. (Property Management and Development)

37.   INDOFIRST NUSANTARA SYNTHETIC RUBBER, P.T. (Styrene Butadiene Rubber Industry)

38.   INDOPOLY SWAKARSA INDUSTRY, P.T. (BOPP Film Manufacturing)

39.   INTERNATIONAL RESOURCES CORPORATION, USA, (Trading)

40.   INTERNATIONAL REOURCES (HK) LTD., Hongkong, (Trading)

41.   INTINUSA SELAREKSA Tbk., P.T. (Integrated Natural Granite Processor)

42.   JANGGALA PRIMA, P.T. (Trading and Suppliers)

43.   JAPAN TRAVEL BUREAU INDONESIA, P.T. (Travel Agency)

44.   KARYA YUDHA SAKTI, P.T. (Housing Development)

45.   KEMAYORANLAND Corporation, P.T. (Property Management)

46.   KUNINGAN PROPERTAMA, P.T. (Property Development and Management)

47.   LAYANG KENCANA PRIMA, P.T. (Trading and Supplier)

48.   LONDON SUMATRA INDONESIA, P.T. Perusahaan Perkebunan (Integrated Cocoa, Palm Oil, Coffee, Tea and Rubber Plantation and Investment Holding)

49.   MATAHARI LINTAS CAKRAWALA, P.T. (Direct Broadcasting Satellite Television Services)

50.   MAG INDONESIA CITRA, P.T. (Sub Assy and Electronic Component Manufacturing)

51.   MEGACITY DEVELOPMENT CORPORATION, P.T. (Apartment Developer Management)

52.   MEGATAMA RAYA, P.T. (Consulting)

53.   MULTI BATURA UTAMA, P.T. (General Trading, Exporters, Suppliers and Distributors)

54.   MULTI GRANITINDO UTAMA, P.T. (Granite Mining and Processing)

55.   MULTI HARAPAN UTAMA, P.T. (Trading)

56.   MULTI MEDIA NUSANTARA, P.T. (Pay TV Cable and Multimedia Provider)

57.   MURNICIPTA SENTOSA, P.T. (Investment Holding)

58.   NALCO PERKASA, P.T. (Industrial Chemical Formulation)

59.   NAWA PANDUTA, P.T. (General Trading and Investment Holding)

60.   NUGRAHABUANA BUMINUSA, P.T. (Granite Mining and Processing)

61.   NUSATEL YUDHA BHAKTI, P.T. (Telecommunication Contracting)

62.   PAN LONDON SUMATRA PLANTATION, P.T. (Investment Holding)

63.   PANCA PURI PERKASA INDAH, P.T. (Industrial Estate Management)

64.   PERKASA STERILINDO, P.T. (Sterilization Service)

65.   PETRA NADA KENCANA, P.T. (Graphite Electrodes Manufacturing)

66.   POLYPRIMA KARYAREKSA, P.T. (Purified Terephthalic Acid (PTA) Processing)

67.   PRISMATAMA NUGRAHA, P.T. (Trading and Suppliers)

68.   POLYPET KARYAPERSADA, P.T. (Polyethylene Therephtalate Industry)

69.   PRAJA PURI INDAH, P.T. (Shopping Centre and Industrial Estate Development)

70.   PRIMA INTERLOKASI, P.T. (Trading and Suppliers)

71.   PRIMA CITRA ELOK, P.T. (Trading and Suppliers)

72.   PRIMANUSA INDONESIA, P.T. (Investment Holding)

73.   PUTRAMITA LUHURSEJATI, P.T. (Investment Holding)

74.   RAYAPRIMA LESTARI, P.T. (Trading and Suppliers)

75.   REXFORD PRATAMA, P.T. (Trading, Supplier and Distributor)

 

76.   RIAUALAM ANUGERAH INDONESIA, P.T. (Granite Mining and Processing)

77.   SAHAMAS ARTANUSA, P.T. (Stock Exchange Brokerage Services)

78.   SARILEMBAH TIRTA HIJAU, P.T. (Luxury Apartment Management)

79.   SAROTAMA PRIMA PERKASA, P.T. (Tourism Industry)

80.   SAYAPNUSA PRIMA, P.T. (Trading and Suppliers)

81.   SEMESTAKIMIA RAYA, P.T. (Trading of Industrial Chemicals)

82.   SINAR BENUAPRIMA, P.T. (Coal Mining and Destillation)

83.   STENTA FILMS (Malaysia) Sdn., Bdh., (BOPP Film Manufacturing)

84.   SUMATERA PRIMA FIBREBOARD, P.T. (Medium Density Fibreboard Manufacturing)

85.   SURYA CITRA TELEVISI, P.T. (Commercial Television Broadcasting Services)

86.   SURYANUSA PERKASA, P.T. (Hotelry and Recreation Centre Management)

87.   SWASTHI PARAMA MULYA, P.T. (Rubber Thread Manufacturing)

88.   THAI BRANTA MULIA CO., LTD., Thailand (Nylon Tyre Cord Manufacturing)

89.   TRANSINDO PUTRA PERKASA, P.T. (Land Transportation)

90.   WIRASWASTA GEMILANG INDONESIA, P.T. (Used Lubricating Oil Refinery)


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.51.20

UK Pound

1

Rs.81.50

Euro

1

Rs.67.15

 

 

RATING EXPLANATIONS

 

RATING

STATUS

 

 

PROPOSED CREDIT LINE

>86

Aaa

Possesses an extremely sound financial base with the strongest capability for timely payment of interest and principal sums

 

Unlimited

71-85

Aa

Possesses adequate working capital. No caution needed for credit transaction. It has above average (strong) capability for payment of interest and principal sums

 

Large

56-70

A

Financial & operational base are regarded healthy. General unfavourable factors will not cause fatal effect. Satisfactory capability for payment of interest and principal sums

 

Fairly Large

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

 

Satisfactory

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

 

Small

11-25

Ca

Adverse factors are apparent. Repayment of interest and principal sums in default or expected to be in default upon maturity

 

Limited with full security

<10

C

Absolute credit risk exists. Caution needed to be exercised

 

 

Credit not recommended

----

NB

New Business

----

 

This score serves as a reference to assess SC’s credit risk and to set the amount of credit to be extended. It is calculated from a composite of weighted scores obtained from each of the major sections of this report. The assessed factors and their relative weights (as indicated through %) are as follows:

 

Financial condition (40%)            Ownership background (20%)                  Payment record (10%)

Credit history (10%)                   Market trend (10%)                                Operational size (10%)

 

 

 

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.