{
  "riskGrade": "B",
  "fundRaised": 2306968,
  "highlights": [
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Green_Grocery/482056973_957526809897978_7105083247836685065_n-600x750.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Green_Grocery/482326663_956332576684068_4417166982624741828_n-300x300.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Green_Grocery/484040414_957017776615548_7798172461010526610_n-300x300.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Green_Grocery/486446156_966395635677762_3279450521467509092_n-300x300.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Green_Grocery/491424688_981222387528420_6004877354347730760_n-1-600x550.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Green_Grocery/494930582_994759312841394_8672668017947800787_n-300x300.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Green_Grocery/GG2-300x300.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Green_Grocery/Thumbnail-600x548.jpg"
  ],
  "shortIntro": "Generating revenue from both D2C and B2B wings, serving 10+ regular B2B Customers.",
  "riskDetails": [
    {
      "text": "Supply Chain Disruptions:Any disruption, such as price hikes in raw materials or delays from local suppliers could hinder the production timelines, particularly during high-demand periods. Delays or shortages in sourcing agro-products due to seasonal variation, weather issues, or supplier inconsistency. 📌Green Grocery’s Strategy: The business purchases products directly from the main supplier companies and sells to the HoReCa (hotels, restaurants and cafes) customers. As a result, the business hardly has to deal with any unexpected price fluctuations. Delayed Payments from the customers: Delayed payment from the customers may create cash shortage for the business. which will affect the smooth production and procurement cycle of the business ultimately. 📌Green Grocery’s Strategy: Their D2C wing has no credit options. The B2B wing has credit options but the business only allows credits to some customers with considerably good repayment history. The B2B transactions are mostly made on cash. Therefore, delayed payments from customers does not affect the business. Chances of product getting damaged during delivery: The business has to make deliveries for both their wings (D2C and B2B). In case the products get damaged during the deliveries, the business will have to bear the losses which will ultimately result in a drop in the profitability. 📌Green Grocery’s Strategy: The business has their own delivery vehicle and personnel which are used for the B2B deliveries. Moreover, the business uses third party delivery service partners for their D2C wing. The experience of dealing with all the above parties during the business years has enabled the business to develop an SOP and maintain it. Price hike of commodities and transportation: Any price hike of commodities is likely to affect all industry players. It is an unavoidable macroeconomic phenomenon. For instance, the recent price hike of energy fuel will likely result in a price hike of all goods including the ones traded by Green Grocery. The energy fuel cost increase will also result in an increase in the business’ transportation cost. 📌Green Grocery’s Strategy: The goods traded by the business are daily necessity goods used in households to restaurants, cafes etc. Therefore, any sudden fall in demand for such goods is unlikely to happen. However, some of their B2B customers may reduce their daily order value due to the macroeconomic effects. On the other note, the business often gets a small credit facility from one of their suppliers and some free delivery facilities. Such facilities will help the business to keep the fuel cost increase issue to a tolerable level.",
      "type": "Business Assessment"
    },
    {
      "text": "The installment structure has been arranged such that the business can run operations smoothly without being burdened by repayments. biniyog.io has done in-house analyses of the projected returns of the business, and they are expected to be able to repay on time.",
      "type": "Payment Delay"
    },
    {
      "text": "biniyog.io will buy the products on behalf of investors first and secure ownership. The products will then be handed over to Green Grocery within a very short time frame. Green Grocery would have the right to reject the product due to quality and other order specifications. The risk is expected to be minimal since the business will choose the items before biniyog.io buys them. This is a necessary risk to ensure Shariah compliance of the transaction.",
      "type": "Possession of assets"
    },
    {
      "text": "Green Grocery will share installment cheques with biniyog.io. A guarantee security cheque will also be kept from the business owner. Additionally, the business will introduce one / multiple guarantors in the contract for adding an extra layer of security.",
      "type": "Security"
    }
  ],
  "businessName": "Green Grocery",
  "contractType": "MURABAHA",
  "projectFocus": "FMCG",
  "fundingTarget": 3200000,
  "fundProcessing": 924046,
  "projectedROIMax": 9.000002057143327,
  "projectedROIMin": 9.000002057143327,
  "ownerDetailsText": "Written by the business I’m Shabbir, a business graduate from BRAC University with a master’s from Dhaka University. I spent 15+ years leading large-scale development and ICT projects, including at BASIS and BITM. After Covid, I founded Green Grocery to ensure safe, quality food access. Now I’m scaling it as a D2C and B2B platform serving homes and restaurants. My vision is to build a nationwide food distribution brand rooted in trust and farmer empowerment.",
  "maximumInvestment": 600000,
  "minimumInvestment": 5000,
  "campaignRepayments": [
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-10-15T11:30:00.000Z",
      "instalmentNumber": 1,
      "minExpectedAmount": 543750
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-11-15T11:30:00.000Z",
      "instalmentNumber": 2,
      "minExpectedAmount": 1631250
    }
  ],
  "detailPageVerified": true,
  "shariahDetailsText": "Underlying Contracts Investors appoint biniyog.io as an agent to deal on their behalf (Wakalah) and invest into the business through buy and sale of assets under an advanced buy-and-sell (Bai’ Murabaha) agreement. Approval from Scholars biniyog.io's Shariah Advisors have approved the basis and application of this Murabahah contract.",
  "businessDetailsText": "Value Propositions Sourcing products directly from the main companies enabling them to avail special purchase rates. Considerably short credit windows (7-12 days) with some cash transactions. Serving a segment (hotel, restaurants and cafes) where there is a good level of demand with a very few market players. Generating revenue from both D2C and B2B wings. Introduction to the Business Written by the business Green Grocery is a D2C grocery eCommerce business founded in 2020 during the COVID-19 pandemic to ensure safe and quality food access for communities. We deliver fresh, chemical-free grocery products directly to customers’ doorsteps and also supply essential commodities to restaurants and hotels through our B2B HoReCa (Hotel-Restaurant-Catering) channel. Currently, we operate two warehouse and distribution points—Merul Badda and Mohammadpur—serving both D2C and HoReCa clients. In the B2B space, we’re actively working with City Group currently. Additionally, we are also trying to onboard new suppliers to ensure smooth stocking of products. We are now seeking working capital investment to purchase more inventory and scale sales in the B2B verticals. What makes Green Grocery unique is our strict quality control from sourcing to delivery—ensuring that every household and restaurant receives safe, high-quality food. The business is looking for funds to increase its stock to cater to the high demand. The business has repaid 100% of their 1st and 2nd campaign on time. Address: Road: 1, House: 5, West Neemtoli Road, Dhaka-1212. Explore: Website | Facebook FAQ: 💡 Is the business Shariah-compliant? The business model (selling grocery items) is Shariah-compliant. However, according to our Shariah Advisors, biniyog.io and the investors will NOT be liable if the day-to-day operations of the business are not fully Shariah-compliant. This is because investors will be going into a Murabaha (sale contract), not profit-sharing or partnership. Please find contract details in the “Contract” section below. 💡 Is there any investment risk involved? Investments have risks by definition, especially if they are halal. Please find possible risk details for this campaign in the “Risk” section below.",
  "contractDetailsText": "Duration of Investment The investment is for a period of up to 6.5 months, expected to be completed by the end of November 2026. If everything goes smoothly, it may be completed as early as 6 months, by the mid of November 2026. Projected ROI (Return on Investment) Projected Return on Investment (ROI): 8.75% (Actual) Projected Return on Investment (ROI): 16.15%-17.5% (Annualized) Example:If an investor invests BDT 100,000, is expected to make a profit of BDT 9,000 over the mentioned period; biniyog.io will charge a 0.23% success fee on the repayment amount meaning BDT 250 will be deducted as the success fee. This means investors will be keeping BDT 8,750 as net profit. The net ROI for the investors will be 8.75% over the mentioned period (16.15%-17.5% annualized) after deducting biniyog.io’s success fee. Contract Condition Investors will go into a Murabaha agreement (sale contract) with Green Grocery for purchasing grocery products. It will be a “buy-and-sell” process where investors will first buy the products through biniyog.io. Green Grocery will then buy those items from investors on credit and pay the amount after 6 months. biniyog.io will act as an agent for the investors and buy the products, take necessary ownership and risk of asset possession on their behalf, and then sell to Green Grocery. biniyog.io has proposed a price to Green Grocery for the products after considering a minimum 9% profit on the actual cost of product procurement. Green Grocery has agreed to it. Investors will be getting a net of 8.75% profit after deducting biniyog.io’s success fee on repayment. Investors can expect to get their returns over 6 months in 1 installment: 🗓️ 100% in November’ 2026 বিনিয়োগের সময়কাল এই বিনিয়োগটি সর্বোচ্চ সাড়ে ছয় মাসের জন্য করা হয়েছে এবং এটি ২০২৬ সালের নভেম্বর মাসের শেষ নাগাদ সম্পন্ন হবে বলে আশা করা হচ্ছে। সবকিছু ঠিকঠাক চললে, এটি ছয় মাসের মধ্যেই, অর্থাৎ ২০২৬ সালের নভেম্বর মাসের মাঝামাঝি সময়েও সম্পন্ন হতে পারে। প্রত্যাশিত ROI (বিনিয়োগের উপর রিটার্ন) বিনিয়োগে প্রত্যাশিত রিটার্ন (ROI): ৮.৭৫% (প্রকৃত) বিনিয়োগে প্রত্যাশিত আয় (ROI): ১৬.১৫%-১৭.৫% (বার্ষিক) উদাহরণ: যদি কোনো বিনিয়োগকারী ১,০০,০০০ টাকা বিনিয়োগ করেন এবং উল্লিখিত সময়কালে ৯,০০০ টাকা লাভ করার প্রত্যাশা করেন; তাহলে biniyog.io পরিশোধিত অর্থের উপর ০.২৩% সাকসেস ফি ধার্য করবে, অর্থাৎ সাকসেস ফি হিসাবে ২৫০ টাকা কেটে নেওয়া হবে। এর মানে হলো, বিনিয়োগকারীরা নিট লাভ হিসাবে ৮,৭৫০ টাকা রাখবেন। biniyog.io-এর সাকসেস ফি বাদ দেওয়ার পর, উল্লিখিত সময়কালে বিনিয়োগকারীদের জন্য নিট ROI হবে ৮.৭৫% (বার্ষিক ১৬.১৫%-১৭.৫%)। চুক্তির শর্ত বিনিয়োগকারীরা মুদিপণ্য ক্রয়ের জন্য গ্রিন গ্রোসারির সাথে একটি মুরাবাহা চুক্তি (বিক্রয় চুক্তি) করবেন। এটি একটি \"ক্রয়-বিক্রয়\" প্রক্রিয়া হবে, যেখানে বিনিয়োগকারীরা প্রথমে biniyog.io-এর মাধ্যমে পণ্যগুলো কিনবেন। এরপর গ্রিন গ্রোসারি বিনিয়োগকারীদের কাছ থেকে বাকিতে সেই পণ্যগুলো কিনবে এবং ৬ মাস পর মূল্য পরিশোধ করবে। biniyog.io বিনিয়োগকারীদের এজেন্ট হিসেবে কাজ করবে এবং তাদের পক্ষ থেকে পণ্যগুলো ক্রয় করবে, সম্পদের মালিকানা ও দখলের প্রয়োজনীয় ঝুঁকি গ্রহণ করবে এবং তারপর Green Grocery-এর কাছে তা বিক্রি করবে। biniyog.io পণ্য সংগ্রহের প্রকৃত খরচের উপর ন্যূনতম ৯% মুনাফা বিবেচনা করে Green Grocery-কে পণ্যগুলির জন্য একটি মূল্য প্রস্তাব করেছে। Green Grocery এতে সম্মত হয়েছে। অর্থ পরিশোধের সময় biniyog.io-এর সাকসেস ফি বাদ দেওয়ার পর বিনিয়োগকারীরা মোট ৮.৭৫% মুনাফা পাবেন। বিনিয়োগকারীরা ৬ মাসের মধ্যে তাদের রিটার্ন পেতে পারেন। ১ কিস্তি: 🗓️ ২০২৬ সালের নভেম্বরে ১০০%",
  "fundUtilizationScope": {
    "bn": "এফএমসিজি",
    "en": "FMCG"
  },
  "protectionPoolChargeFee": [
    {
      "startingFrom": 5000,
      "protectionPoolFeeRate": 1
    },
    {
      "startingFrom": 100000,
      "protectionPoolFeeRate": 1.5
    }
  ],
  "previousRepaymentHistorySummary": "Business has completed 100% repayments of both the previous campaigns on time"
}