{
  "riskGrade": "A",
  "fundRaised": 4828751,
  "highlights": [
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Colorpress_Printing_Industries/Color_press_printing_industries_cm.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Colorpress_Printing_Industries/IMG-20230910-WA0003.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Colorpress_Printing_Industries/CPIL_cropped.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Colorpress_Printing_Industries/unnamed.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Colorpress_Printing_Industries/WhatsApp_Image_2026-05-06_at_4.48.39_PM.jpeg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Colorpress_Printing_Industries/WhatsApp_Image_2026-05-06_at_4.50.17_PM.jpeg"
  ],
  "shortIntro": "Serving regular orders from multiple renowned organizations",
  "riskDetails": [
    {
      "text": "Delayed payment from clients:Clients can defer the payments due to any avoidable and unavoidable reasons. Such an incident might jeopardize the business’ payment cycle. 📌Colorpress Printing Industries’ strategy: The business often gets advance payment from a certain number of clients. Moreover, the business mostly deals with clients with good payment history. Therefore, such risk can be mitigated to a tolerable level. Economic Downturn or inflation:Economic recessions or downturns can lead to reduced consumer spending on non-essential items like Books. A decrease in consumer disposable income can result in lower sales for Publications as well as for Colorpress Printing Industries. Moreover, inflationary pressure can lead to price hikes of raw materials of printing. 📌Colorpress Printing Industries’ strategy: The business gets regular orders from Somokalin, one of its top clients, along with orders from As-Sunnah Foundation, Mifta Prokashoni etc. Additionally, the business will be purchasing raw materials in bulk with the fund to tackle any kind of uncertainty that might lead to price volatility of raw materials. Maintenance of printing and cutting machines:Any Technical Issues of the printing and cutting machines might result in a temporary halt in the production (printing). Such situations might ultimately result in a significant plummet in the revenue and losing clients. 📌Colorpress Printing Industries’ strategy: The business conducts regular check-ups of the machines and other necessary steps to ensure that the machines do not face any major technical issues. Political instability: There might be some macroeconomic turmoil towards the end of 2025 or the beginning of 2026 before the general election. This may impact the business.",
      "type": "Business Assessment"
    },
    {
      "text": "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 considering their cash flow 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. The products will then be handed over to Colorpress Printing within a very short time frame. Colorpress Printing 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": "Colorpress Printing Industries will share a security cheque. Moreover, a guarantor / multiple guarantors will be introduced in the contract for adding an extra layer of security for the investors..",
      "type": "Security"
    }
  ],
  "businessName": "Colorpress Printing Industries",
  "contractType": "MURABAHA",
  "projectFocus": "Printing press",
  "fundingTarget": 5000000,
  "fundProcessing": 191000,
  "projectedROIMax": 16,
  "projectedROIMin": 16,
  "ownerDetailsText": "Colorpress Printing Industries is a partnership business. Mr. Nesar Uddin Rakib serves as the managing partner of Colorpress Printing Industries, leading a team of four specialists. The partner-group consists of a Chartered Accountant, a Technologist, a Business Strategist, and a Textile Engineer.",
  "maximumInvestment": 2500000,
  "minimumInvestment": 5000,
  "campaignRepayments": [
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-12-01T11:30:00.000Z",
      "instalmentNumber": 1,
      "minExpectedAmount": 696000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-12-31T11:30:00.000Z",
      "instalmentNumber": 2,
      "minExpectedAmount": 696000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-01-30T11:30:00.000Z",
      "instalmentNumber": 3,
      "minExpectedAmount": 696000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-03-01T11:30:00.000Z",
      "instalmentNumber": 4,
      "minExpectedAmount": 696000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-03-31T11:30:00.000Z",
      "instalmentNumber": 5,
      "minExpectedAmount": 696000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-04-30T11:30:00.000Z",
      "instalmentNumber": 6,
      "minExpectedAmount": 696000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-05-30T11:30:00.000Z",
      "instalmentNumber": 7,
      "minExpectedAmount": 1624000
    }
  ],
  "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 Renowned client base such as Somokalin Prokashon, As-Sunnah Foundation and others. Consistent revenue flow Partners with ample knowledge and working experience in the industry Introduction to the Business Colorpress Printing Industries is a government-approved modern printing facility with a diverse range of offerings encompassing marketing, packaging materials, books, and more. Colorpress Printing Industries started its journey in 2020. During this relatively short time frame, the company has been able to on-board renowned publications of Bangladesh like Somokalin Prokashon, As-Sunnah Foundation, Mifta Prokashoni, Future Ummah BD, Shorobor, Little Ummah etc. The business has completed 100% repayment of their first campaign, the extended campaign and the second campaign. 50% repayment of the third campaign has already been paid and around 20% of the repayment of the fourth campaign is also paid. They have maintained a good track record of repaying most of their installments on time The business is seeking funds to purchase paper in bulk to ensure uninterrupted production during the upcoming peak season. Address : Office: House #16, Main Road Bock G. Banasree Dhaka. Printing Press: 135/134 Fakirapool Dhaka, (Opposite of Fakirapool Panir Tanki). FAQ: 💡 Is the business Shariah-compliant? The business model (Printing Service to the publications) 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 Return on Investment (ROI): 16% Example:If an investor invests BDT 100,000, is expected to make a profit of BDT 16,500 in 12 months; biniyog.io will charge a 0.43% (this % may vary slightly due to changes in calculation success fee) on the repayment amount meaning BDT 500 will be deducted as the success fee. This means investors will be keeping BDT 16,000 as net profit. The net ROI for the investors will be 16% over 12 months after deducting biniyog.io’s success fee. Contract Condition Investors will go into a Murabaha agreement (sale contract) with Colorpress Printing Industries for purchasing papers in bulk. It will be a “buy-and-sell” process where investors will first buy the products through biniyog.io. Colorpress Printing Industries will then buy those items from investors on credit and pay the amount after 12 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 Colorpress Printing Industries. biniyog.io has proposed a price to Colorpress Printing Industries for the products after considering a minimum 16% profit on the actual cost of product procurement. Colorpress Printing Industries has agreed to it. Investors will be getting a net of 16.5% profit after deducting biniyog.io’s service charge on investor profit. Investors can expect to get their returns over 12 months in the following structure: 🗓️ 12% by January’2027 🗓️ 36% by April’2027 🗓️ 52% by May’2027 বিনিয়োগের সময়কাল এই বিনিয়োগটি ১২ মাসের জন্য, অর্থাৎ মে ২০২৬ থেকে মে ২০২৭ পর্যন্ত কার্যকর থাকবে। বিনিয়োগ থেকে প্রত্যাশিত আয় (ROI): ১৬% উদাহরণ: যদি কোনো বিনিয়োগকারী ১,০০,০০০ টাকা বিনিয়োগ করেন এবং ১২ মাসে ১৬,৫০০ টাকা লাভ করার প্রত্যাশা করেন; তাহলে biniyog.io পরিশোধিত অর্থের উপর ০.৪৩% (সাকসেস ফি গণনার পদ্ধতির পরিবর্তনের কারণে এই শতাংশ সামান্য পরিবর্তিত হতে পারে) চার্জ করবে, অর্থাৎ সাকসেস ফি হিসাবে ৫০০ টাকা কেটে নেওয়া হবে। এর মানে হলো, বিনিয়োগকারীরা নিট লাভ হিসাবে ১৬,০০০ টাকা রাখবেন। biniyog.io-এর সাকসেস ফি বাদ দেওয়ার পর, ১২ মাসে বিনিয়োগকারীদের নিট ROI হবে ১৬%। চুক্তির শর্ত বিনিয়োগকারীরা বাল্ক পরিমাণে কাগজ কেনার জন্য কালারপ্রেস প্রিন্টিং ইন্ডাস্ট্রিজের সাথে একটি মুরাবাহা চুক্তি (বিক্রয় চুক্তি) করবেন। এটি একটি \"ক্রয়-বিক্রয়\" প্রক্রিয়া হবে, যেখানে বিনিয়োগকারীরা প্রথমে biniyog.io-এর মাধ্যমে পণ্যগুলো কিনবেন। এরপর কালারপ্রেস প্রিন্টিং ইন্ডাস্ট্রিজ বিনিয়োগকারীদের কাছ থেকে বাকিতে সেই পণ্যগুলো কিনবে এবং ১২ মাস পর মূল্য পরিশোধ করবে। biniyog.io বিনিয়োগকারীদের এজেন্ট হিসেবে কাজ করবে এবং তাদের পক্ষে পণ্যগুলো ক্রয় করে, সম্পদের প্রয়োজনীয় মালিকানা ও দখলের ঝুঁকি গ্রহণ করবে এবং তারপর Colorpress Printing Industries-এর কাছে তা বিক্রি করবে। biniyog.io পণ্য সংগ্রহের প্রকৃত খরচের উপর ন্যূনতম ১৬% মুনাফা বিবেচনা করে Colorpress Printing Industries-কে পণ্যগুলির জন্য একটি মূল্য প্রস্তাব করেছে। Colorpress Printing Industries এতে সম্মত হয়েছে। বিনিয়োগকারীরা তাদের লাভের উপর biniyog.io-এর পরিষেবা চার্জ বাদ দেওয়ার পর মোট ১৬.৫% মুনাফা পাবেন। বিনিয়োগকারীরা ১২ মাসের মধ্যে নিম্নলিখিত কাঠামোতে তাদের রিটার্ন পাওয়ার আশা করতে পারেন: জানুয়ারি ২০২৭ নাগাদ ১২% এপ্রিল ২০২৭ নাগাদ ৩৬% ২০২৭ সালের মে মাসের মধ্যে ৫২%",
  "fundUtilizationScope": {
    "bn": "কাগজ",
    "en": "Paper"
  },
  "protectionPoolChargeFee": [
    {
      "startingFrom": 5000,
      "protectionPoolFeeRate": 1
    },
    {
      "startingFrom": 100000,
      "protectionPoolFeeRate": 1.5
    }
  ],
  "previousRepaymentHistorySummary": "The business has completed 100% repayment of their first campaign, the extended campaign and the second campaign. 50% repayment of the third campaign has already been paid and around 20% of the repayment of the fourth campaign is also paid. They have maintained a good track record of repaying most of their installments on time."
}