{
  "riskGrade": "B",
  "fundRaised": 2463660,
  "highlights": [
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Alif_Lum_Fashion/ALFH_HP.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Alif_Lum_Fashion/ALFH_DP_2.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Alif_Lum_Fashion/WhatsApp_Image_2024-10-14_at_11.32.13_56958886.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Alif_Lum_Fashion/WhatsApp_Image_2024-10-14_at_11.32.14_13ea479d.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Alif_Lum_Fashion/WhatsApp_Image_2024-10-14_at_11.32.12_fe01e1cc.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Alif_Lum_Fashion/WhatsApp_Image_2024-10-14_at_11.32.17_9c7d125b.jpg"
  ],
  "shortIntro": "Manufacturer of embroidery and applique design serving 8+ small-scale RMG factories",
  "riskDetails": [
    {
      "text": "Price hike of raw materials: An increase in raw material prices would impact selling prices of Alif lum Fashion House and may result in a decrease in the volume of sales. 📌Alif Lum Fashion House ’s strategy: The business operates on an optimized profit margin per product, and the impact would be transferred to the buyer when they sell the finished goods in the market. Supply Chain Disruption: The business collects raw materials from different suppliers and wholesalers. Any kind of disruption in the supply chain can affect the business and its reputation in the long term such as delayed product delivery, lower quality, etc. 📌ALif Lum Fashion House ’s Strategy: The business has been working with an experienced and large network of suppliers for a long period of time which allows it to collect bulk amounts of different products and deliver those swiftly.The business has been working with an experienced and large network of suppliers for a long period of time which allows it to collect bulk amounts of different products and deliver those swiftly. Delayed payment from customers: Delayed payments can affect the cash flow of Alif Lum Fashion House, and hinder the operational performance of the business. 📌Alif Lum Fashion House ’s Strategy: The customer base is filtered by the business owner’s experience of working with them. It is a natural practice to have an ongoing credit cycle with the customers where the customers pays a partial amount during the next purchase in this industry. Cashflow risk:The business is seeking investment to acquire a new machine to expand production capacity in anticipation of increased order volumes. However, if the projected growth in orders does not materialize, the business may face cash flow pressure. The added fixed costs of the machine, along with ongoing operational expenses, could make it challenging for the business to meet its repayment obligations. 📌Alif Lum Fashion House ’s Strategy: The business has a stable base of repeat customers, generating consistent orders backed by strong relationships, Additionally, the machine supplier is also a customer, allowing the business to offset the remaining machine cost through product sales helping to ease cash flow pressure and mitigate financial risk..",
      "type": "Business Assessment"
    },
    {
      "text": "The business is Eid-ul-Fitar focused so 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 unless one of the risk factors comes into play.",
      "type": "Payment Delay"
    },
    {
      "text": "biniyog.io will buy the products on behalf of investors first and secure ownership in the factory premises. The products will then be handed over to Alif Lum Fashion House within a very short time frame. Alif Lum Fashion House would have the right to reject the product due to quality and other order specifications. The risk is expected to be minimal since it would be a factory that they regularly work with for similar orders. This is a necessary risk to ensure Shariah compliance of the transaction.",
      "type": "Possession of assets"
    },
    {
      "text": "Alif Lum Fashion House will share installment cheques with biniyog.io. A guarantee security cheque will also be kept from the business owner. Additionally, the business will introduce a guarantor in the contract for adding an extra layer of security.",
      "type": "Security"
    }
  ],
  "businessName": "Alif Lum Fashion",
  "contractType": "MURABAHA",
  "projectFocus": "Apparel/Fashion",
  "fundingTarget": 2500000,
  "fundProcessing": 49000,
  "projectedROIMax": 19,
  "projectedROIMin": 19,
  "ownerDetailsText": "Md. Sobug Molla, owner of Alif Lum Fashion House started his journey working in a factory which produced embroidery. There, he acquired a good amount of knowledge and industry insights on how the business works. With this expertise, he started his own business in 2013. His quality of work and dedication toward serving the clients with the best product has earned him trust and recognition among his clients. Mr Sobug Mollah is currently focusing on expanding his embroidery business.",
  "maximumInvestment": 830000,
  "minimumInvestment": 5000,
  "campaignRepayments": [
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-08-28T11:30:00.000Z",
      "instalmentNumber": 1,
      "minExpectedAmount": 144375
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-09-28T11:30:00.000Z",
      "instalmentNumber": 2,
      "minExpectedAmount": 144375
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-10-28T11:30:00.000Z",
      "instalmentNumber": 3,
      "minExpectedAmount": 144375
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-11-28T11:30:00.000Z",
      "instalmentNumber": 4,
      "minExpectedAmount": 144375
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-12-28T11:30:00.000Z",
      "instalmentNumber": 5,
      "minExpectedAmount": 288750
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-01-28T11:30:00.000Z",
      "instalmentNumber": 6,
      "minExpectedAmount": 375375
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-02-28T11:30:00.000Z",
      "instalmentNumber": 7,
      "minExpectedAmount": 490875
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-03-28T11:30:00.000Z",
      "instalmentNumber": 8,
      "minExpectedAmount": 288750
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-04-28T11:30:00.000Z",
      "instalmentNumber": 9,
      "minExpectedAmount": 433125
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-05-28T11:30:00.000Z",
      "instalmentNumber": 10,
      "minExpectedAmount": 433125
    }
  ],
  "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 (Murabaha) agreement. Approval from Scholars biniyog.io‘s Shariah advisors have approved the basis and application of this Murabaha contract.",
  "businessDetailsText": "Value Propositions Excellent feedback from his customers regarding his product delivery timeline and timely payment to suppliers. Developed an established customer network for wholesale business. Own factory and machinery with 8+ small scale RMG businesses as their main customers. Introduction to the Business Founded in 2013, Alif Lum Fashion House is an embroidery factory specializing in luxurious embroidery work and Panjabi applique. We create high-quality embroidered designs for sharee, three piece and applique for Panjabi and small scale garments, our dedication to quality has earned us a strong reputation. At Alif Lum Fashion House, we generate revenue by providing embroidery services and selling our Panjabi applique pieces. As demand continues to grow we need to expand our capacity and product availability, The business is seeking funds to purchase a new machine and raw materials in bulk. Alif Lum Fashion House is raising funds through biniyog.io for the 3rd time. The business successfully repaid 100% of its 1st campaign, with only a minor delay in a partial installment and 2nd campaign on time. Office Location: House: 59/5/C-4, Polashnagar, Pallabi, Mirpur. FAQ: 💡 Is the business Shariah-compliant? The business model (selling embroidery design and applique design for punjabi, sharee etc) 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 12 months, from May 2026 to May 2027. Projected ROI (Return on Investment) Projected ROI: 17.5%. Annualized expected return: 17.5%. biniyog.io will be charging investors a 2.5% success fee on repayment amount. (this % may vary slightly due to changes in calculation). Example: If an investor invests BDT 100,000, he/she can expect to make a profit of BDT 17,500 over the mentioned period; biniyog.io will charge a 2.5% success fee on the repayment amount meaning BDT 2,500 will be deducted as the success fee. This means investors will be keeping BDT 17,500 as net profit. The net ROI for the investors will be 17.5% over the mentioned period (17.5% annualized) after deducting biniyog.io’s success fee. Contract Condition Investors will go into a Murabaha agreement (sale contract) with Alif Lum Fashion House for purchasing machines and required raw materials. It will be a “buy-and-sell” process where investors will first buy products through biniyog.io. Alif Lum Fashion House will then buy those items from investors on credit and pay the amount over the mentioned duration. 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 Alif Lum Fashion House. biniyog.io has proposed a price to Alif Lum Fashion House for the products after considering a minimum 20% profit on actual cost of product procurement. Alif Lum Fashion House has agreed to it investors will be getting a net of 17.5% profit after deducting biniyog.io’s success fee on repayment amount. Investors can expect to get their returns in following installments: 🗓️ 5% by October’ 2026 🗓️ 15% by January 2027 🗓️ 40% by April’ 2027 🗓️ 40% by May’ 2027 বিনিয়োগের সময়কাল এই বিনিয়োগটি ১২ মাসের জন্য, অর্থাৎ মে ২০২৬ থেকে মে ২০২৭ পর্যন্ত কার্যকর থাকবে। প্রত্যাশিত ROI (বিনিয়োগের উপর রিটার্ন) প্রত্যাশিত বিনিয়োগ ফেরত: ১৭.৫%। বার্ষিক প্রত্যাশিত আয়: ১৭.৫%। biniyog.io বিনিয়োগকারীদের পরিশোধিত অর্থের উপর ২.৫% সফলতা ফি ধার্য করবে। (গণনার পদ্ধতির পরিবর্তনের কারণে এই শতাংশ সামান্য পরিবর্তিত হতে পারে)। উদাহরণ: যদি কোনো বিনিয়োগকারী ১,০০,০০০ টাকা বিনিয়োগ করেন, তবে তিনি উল্লিখিত সময়কালে ১৭,৫০০ টাকা লাভ করার আশা করতে পারেন; biniyog.io পরিশোধিত অর্থের উপর ২.৫% সাকসেস ফি ধার্য করবে, অর্থাৎ সাকসেস ফি হিসাবে ২,৫০০ টাকা কেটে নেওয়া হবে। এর মানে হলো, বিনিয়োগকারীরা নীট লাভ হিসাবে ১৭,৫০০ টাকা রাখবেন। biniyog.io-এর সাকসেস ফি বাদ দেওয়ার পর, উল্লিখিত সময়কালে বিনিয়োগকারীদের নীট ROI হবে ১৭.৫% (বার্ষিক ১৭.৫%)। চুক্তির শর্ত বিনিয়োগকারীরা মেশিন ও প্রয়োজনীয় কাঁচামাল ক্রয়ের জন্য আলিফ লুম ফ্যাশন হাউসের সাথে একটি মুরাবাহা চুক্তি (বিক্রয় চুক্তি) করবেন। এটি একটি \"ক্রয়-বিক্রয়\" প্রক্রিয়া হবে, যেখানে বিনিয়োগকারীরা প্রথমে biniyog.io-এর মাধ্যমে পণ্য কিনবেন। এরপর আলিফ লুম ফ্যাশন হাউস বিনিয়োগকারীদের কাছ থেকে বাকিতে সেই পণ্যগুলো কিনবে এবং উল্লিখিত সময়সীমার মধ্যে অর্থ পরিশোধ করবে। biniyog.io বিনিয়োগকারীদের এজেন্ট হিসেবে কাজ করবে এবং পণ্যগুলো ক্রয় করবে, তাদের পক্ষ থেকে সম্পদের প্রয়োজনীয় মালিকানা ও দখলের ঝুঁকি গ্রহণ করবে এবং তারপর আলিফ লুম ফ্যাশন হাউসের কাছে তা বিক্রি করবে। biniyog.io পণ্য সংগ্রহের প্রকৃত খরচের উপর ন্যূনতম ২০% মুনাফা বিবেচনা করে আলিফ লুম ফ্যাশন হাউসকে পণ্যগুলোর জন্য একটি মূল্য প্রস্তাব করেছে। আলিফ লুম ফ্যাশন হাউস এতে সম্মত হয়েছে যে, পরিশোধিত অর্থের উপর biniyog.io-এর সাকসেস ফি বাদ দেওয়ার পর এর বিনিয়োগকারীরা মোট ১৭.৫% মুনাফা পাবেন। বিনিয়োগকারীরা নিম্নলিখিত কিস্তিতে তাদের রিটার্ন পেতে পারেন: ২০২৬ সালের অক্টোবরের মধ্যে ৫% ২০২৭ সালের জানুয়ারির মধ্যে ১৫% ২০২৭ সালের এপ্রিলের মধ্যে ৪০% ২০২৭ সালের মে মাসের মধ্যে ৪০%",
  "fundUtilizationScope": {
    "bn": "মেশিন ও এমব্রয়ডারি সংক্রান্ত কাঁচামাল (সুতা)",
    "en": "machine and embroidery raw materials (thread)"
  },
  "protectionPoolChargeFee": [
    {
      "startingFrom": 5000,
      "protectionPoolFeeRate": 1
    },
    {
      "startingFrom": 100000,
      "protectionPoolFeeRate": 1.5
    }
  ],
  "previousRepaymentHistorySummary": "Completed Campaign 1 repayment with a 30–45 day delay on partial payments due to vendor payment delays; achieved 100% on-time repayment for Campaign 2."
}