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Borrowings (Tables) - TALENTEC SDN. BHD. [Member]
 6 Months Ended 12 Months Ended
Jan. 31, 2025
Jul. 31, 2024
Schedule of Borrowings

Borrowings consisted of the following:

 

Schedule of Borrowings 

   As of July 31,   As of January 31, 
   2024   2025 
       (Unaudited) 
Current          
Current portion of long-term bank borrowings  $66,193   $51,327 
Total current borrowings  $66,193   $51,327　 
         　 
Non-Current        　 
Long-term bank borrowings   17,949    - 
Total non-current borrowings  $17,949   $- 

Borrowings consisted of the following:

 

       
   As of July 31, 
   2023   2024 
Current          
Short-term borrowings  $129,157   $- 
Long-term borrowings   91,664    66,193 
Total current borrowings   220,821    66,193 
           
Non-Current          
Long-term borrowings   117,563    17,949 
Total non-current borrowings  $117,563   $17,949 
Schedule of Long Term Debt

Long-term borrowings represented term loans from commercial banks with term over 1 years and for working capital purpose. Details of the borrowings were summarized as follows:

 

 

Lender  Start date  Maturity date  Number of monthly installment   Monthly installment  Interest rate   Principal Amount (US$)  Guarantee
AmBank (M) Berhad  December 5, 2018  November 5, 2023 (extented to June 30, 2024 due to Covid-19)   60   US$5,169
(RM21,968), adjusted to US$5,044
(RM21,434) in July 2020		   11.45%  US$235,316
(RM1,000,000)		  Joint and several guarantee of the following person:
(i) HO SAY SAN
(ii) CHOO YEOW
Alliance Bank Malaysia Berhad  March 1, 2021  February 28, 2026   60   US$2,825
 (RM12,004)		   3.50%  US$152,956
 (RM650,000)		  1. Joint and several guarantee of the following person :
(i) HO SAY SAN
(ii) CHOO YEOW
(iii) TAN LAI WAN, who sold off her shares of the Company and was no loger a guarantor as a shareholder since then.
2. Confirmation of guarantee from Credit Guarantee Corporation Malaysia Berhad for RM520,000
Alliance Bank  July 1, 2022  June 1, 2025   36   US$3,659
 (RM15,550)		   7.17%  US$117,658
 (RM500,000)		  Joint and several guarantee of the following person:
(i) HO SAY SAN
(ii) CHOO YEOW

Long-term borrowings represented term loans from commercial banks with term over 1 years and for working capital purpose. Details of the borrowings were summarized as follows:

 

Lender   Start date   Maturity date   Number of monthly installments   Monthly installment   Interest rate   Principal Amount (US$)   Guarantee
AmBank (M) Berhad   December 5, 2018   November 5, 2023 (extended to June 30, 2024 due to Covid-19)   60   US$5,169
(RM21,968), adjusted to US$5,044
(RM21,434) in July 2020		   11.45%   US$235,316
(RM1,000,000)		  

Joint and several guarantee of the following person:

(i) HO SAY SAN

(ii) CHOO YEOW

Standard Chartered Bank   February 28, 2020   January 31, 2023   36   US$3,964
(RM16,847)		   7.50%   US$117,658
 (RM500,000)		   Personal guarantee from key person(s) based on shareholding and credit assessment
Alliance Bank Malaysia Berhad   March 1, 2021   February 28, 2026   60   US$2,825
(RM12,004)		   3.50%   US$152,956
 (RM650,000)		  

1. Joint and several guarantee of the following persons:

(i) HO SAY SAN

(ii) CHOO YEOW

(iii) TAN LAI WAN, who sold off her shares of the Company and was no longer a guarantor as a shareholder since then.

2. Confirmation of guarantee from Credit Guarantee Corporation Malaysia Berhad for RM520,000

Alliance Bank   July 1, 2022   June 1, 2025   36   US$3,659
(RM15,550)		   7.17%   US$117,658
 (RM500,000)		  

Joint and several guarantee of the following persons:

(i) HO SAY SAN

(ii) CHOO YEOW
Schedule of Remaining Term and Discount Rate

Schedule of Remaining Term and Discount Rate 

   As of July 31,   As of January 31, 
   2024   2025 
       (Unaudited) 
Weighted-average remaining term (years)   0.29    0.17 
Weighted-average discount rate   5.06%   4.72%

 

   As of July 31, 
   2023   2024 
Weighted-average remaining lease term (years)   0.59    0.29 
Weighted-average discount rate   6.86%   5.06%