MIRA INFORM REPORT

 

 

Report No. :

355515

Report Date :

18.12.2015

 

IDENTIFICATION DETAILS

 

Name :

TAREQ IBRAHIM MOHAMED AL HINDI EST

 

 

Registered Office :

Rawhi Quddomi Building, 2nd Floor, Ein Ghazal Road, Tareq Area, PO Box : 412 & 460152, Amman 11946

 

 

Country :

Jordan

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

30.09.2001

 

 

Com. Reg. No.:

129543, Amman

 

 

Legal Form :

Sole Proprietorship

 

 

Line of Business :

Subject is engaged in the import and distribution of industrial and speciality chemicals

 

 

No. of Employee :

18

 


 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

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

Satisfactory

 

Status :

Satisfactory

 

 

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 31, 2015

 

Country Name

Previous Rating

(31.12.2014)

Current Rating

(31.03.2015)

Jordan

B1

B1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

JORDAN - ECONOMIC OVERVIEW

 

Jordan's economy is among the smallest in the Middle East, with insufficient supplies of water, oil, and other natural resources underlying the government's heavy reliance on foreign assistance. Other economic challenges for the government include chronic high rates of poverty, unemployment, inflation, and a large budget deficit and resulting government debt. King ABDALLAH, during the first decade of the 2000s, implemented significant economic reforms, such as opening up foreign trade and privatizing state-owned companies that attracted foreign investment and contributed to average annual economic growth of 8% for 2004 through 2008. The global economic slowdown and regional turmoil since, however, reduced the average annual growth rate to 2.6% for the 2010-2013 period and hurt export-oriented sectors, construction, and tourism. Jordan's finances have been strained by a series of natural gas pipeline attacks in Egypt, causing Jordan to substitute more expensive diesel imports, primarily from Saudi Arabia, to generate electricity. To diversify its energy mix, Jordan is currently exploring nuclear power generation, exploitation of abundant oil shale reserves and renewable technologies, as well as the import of Israeli offshore gas. In August 2012, to correct budgetary and balance of payments imbalances, Jordan entered into a $2.1 billion, three year International Monetary Fund Stand-By Arrangement. In 2014, fiscal reform measures enacted in the previous few years continued to boost government revenues and reduced the budget deficit even as an influx of over 620,000 Syrian refugees since 2011 put additional pressure on expenditures

 

Source : CIA

 

 

SUMMARY

 

Company Name                                    : TAREQ IBRAHIM MOHAMED AL HINDI EST

Also Known As                                     : GENERATION CHEMICALS EST

Country of Origin                                   : Jordan

Legal Form                                           : Sole Proprietorship

Registration Date                                  : 30th September 2001

Commercial Registration Number           : 129543, Amman

Chamber Membership Number               : 91875

Invested Capital                                    : JD 5,000

Total Workforce                                     : 18

Activities                                               : Distributors of industrial and speciality chemicals.

Financial Condition                                : Fair

Payments                                             : No Complaints

Operating Trend                                    : Steady

 

 

COMPANY NAME

 

TAREQ IBRAHIM MOHAMED AL HINDI EST

 

ALSO KNOWN AS: GENERATION CHEMICALS EST

 

 

ADDRESS

 

Registered & Physical Address

 

Building            : Rawhi Quddomi Building, 2nd Floor

Street               : Ein Ghazal Road

Area                 : Tareq Area

PO Box            : 412 & 460152

Town                : Amman 11946

Country             : Jordan

 

Telephone         : (962-6) 5066646 / 5058835

Facsimile          : (962-6) 5066647

Mobile              : (962-79) 5559357

Email                : g-chem@nets.com.jo / info@generationchemicals.com / logistics@generationchemicals.com

 

Premises

 

Subject operates from a small suite of offices that are rented and located in the Central Business Area of Amman.

 

 

KEY PRINCIPALS

 

     Name                                                                                               Position

 

·       Tareq Ibrahim Mohamed Al Hindi                                                       Proprietor & General Manager

 

·       Mohamed Ammar                                                                             Commercial Manager

 

·       Mohamed Khalaf                                                                              Finance Manager

 

·       Haneen Al Assad                                                                              Logistics Executive

 

·       Haneen Hamad                                                                                 Commercial Executive

 

·       Sara Mahyar                                                                                     Sales Executive

 

 

LEGAL FORM & OWNERS

 

Date of Establishment  : 30th September 2001

 

Legal Form                  : Sole Proprietorship

 

Commercial Reg. No.   : 129543, Amman

 

Chamber Member No.  : 91875

 

National ID No.             : 100025170

 

Invested Capital           : JD 5,000

 

Mr Tareq Ibrahim Mohamed Al Hindi is the sole proprietor of the business.

 

 

AFFILIATED COMPANIES

 

·       Generation Chemical Egypt

     Mohamed Fareed Street

     Heliopolis

     Cairo

     Tel: (20-2) 26378307

     Fax: (20-2) 22409860

     Mob: (20-16) 8246024

 

·       Generation Chemicals

Iraq

 

 

OPERATIONS

 

Activities: Engaged in the import and distribution of industrial and speciality chemicals.

 

Import Countries: United States of America, Europe, South Korea, India and China.

 

International Suppliers:

 

·       Arizona Chemicals                United States of America

·       US Zinc                                United States of America

·       S + A Blackwell Ltd               United Kingdom

·       JPE                                     United Kingdom

·       S K Chemicals Co Ltd           South Korea

·       AYC Chemicals                    China

·       CINIC                                   China

·       Guangdong Deqing              China

·       Hunan                                  China

·       Huate Group                         China

·       SLC                                     China

·       Aryavat Chemicals Pvt Ltd    India

·       Aron Universal                      India

·       Cinkarna                               Slovenia

·       Cappelle Pigments               Belgium

·       Lamberti                               Italy

·       Nymco                                 Italy

·       S C Alba                              Romania

 

Operating Trend: Steady

 

Subject has a workforce of 18 employees.

 

 

FINANCIAL DATA

 

Financial highlights provided by local sources are given below:

 

Currency: Jordanian Dinars (JD)

 

                                                Year Ending 31/12/13:              Year Ending 31/12/14:

 

Total Sales                                JD 1,300,000                             JD 1,420,000

 

Local sources consider subject’s financial condition to be Fair.

 

The above financial figures are based on estimations by our local sources.

 

 

BANKERS

 

·       Arab Jordanian Investment Bank

Al Wahdat Branch

Amman 11121

Tel: (962-6) 5607126 / 5607138

Fax: (962-6) 5681482 / 5690646

 

 

PAYMENT HISTORY

 

No complaints regarding subject’s payments have been reported.

 

 

GENERAL COMMENTS

 

During the course of this investigation nothing detrimental was uncovered regarding subject’s operating history or the manner in which payments are fulfilled. As such the business is considered to be a fair trade risk.

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.66.65

UK Pound

1

Rs.99.61

Euro

1

Rs.72.33

JOD

1

Rs. 93.64

Note : Above are approximate rates obtained from sources believed to be correct

 

 

INFORMATION DETAILS

 

Analysis Done by :

KAR

 

 

Report Prepared by :

ASH

 


 

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%)

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