{
  "riskGrade": "B+",
  "fundRaised": 4822640,
  "highlights": [
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Best_Electronics_Limited/BEL_1.jpeg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Best_Electronics_Limited/BEL_2.jpeg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Best_Electronics_Limited/BEL_3.jpeg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Best_Electronics_Limited/BEL_4.jpeg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Best_Electronics_Limited/BEL_5.jpeg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Best_Electronics_Limited/BEL_6.jpeg"
  ],
  "shortIntro": "Operating 70 outlets across Bangladesh with distributorship contracts of major brands.",
  "riskDetails": [
    {
      "text": "Supply Chain Disruptions: Global or local supply chain issues (e.g., delays, or supplier shortages) could impact inventory availability of the business and this may result in delayed delivery and create chances of losing customers. 📌Best Electronics Limited’s Strategy: The business has a very long business relationship with some big brands such as Hitachi, LG, Whirlpool, etc. This enables them to stay ahead of other local sellers and ensure getting deliveries on time. Moreover, the business will be purchasing refrigerators from another distributor who has overstocked and wants to cash out their inventory now. Intense Market Competition: Electronics & Home appliance market in Bangladesh is highly competitive, with many local and international players. Competitors with aggressive pricing, advanced technology, or wider brand recognition could challenge Best Electronics market position. 📌Best Electronics Limited ’s Strategy: To stay competitive, the company prioritizes its wide product line of several reputed brands and products with official warranty. Emphasizes superior customer service, prompt delivery, after sales service and quality products, remarks Best Electronics out of the queue. Moreover, having exclusive contracts with some of the leading brands enables them to avail competitive procurement prices and better deals to offer to the customers. Economic Instability: Economic fluctuations in Bangladesh, such as inflation, currency devaluation, or slowed economic growth, could affect customers' purchasing power, especially for larger investments like air conditioners. 📌Best Electronics Limited’s Strategy: The business targets a diversified demography of consumers which ensures that the net sales of the business is unlikely to go below a certain threshold even during a time of economic instability. Moreover, the sales of fridges shoot up during the Eid-ul-adha season which mitigates such issues considering the timeline of this campaign.",
      "type": "Business Assessment"
    },
    {
      "text": "The repayment 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 Best Electronics Limited within a very short time frame. The business 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": "Best Electronics Limited will share a single repayment cheque with biniyog.io. Additionally, the business will introduce a guarantor in the contract for adding an extra layer of security.",
      "type": "Security"
    }
  ],
  "businessName": "Best Electronics Limited",
  "contractType": "MURABAHA",
  "projectFocus": "Electric & Electronics",
  "fundingTarget": 5000000,
  "fundProcessing": 147060,
  "projectedROIMax": 2.9167,
  "projectedROIMin": 2.9167,
  "ownerDetailsText": "Written by Business Best Electronics is a privately owned electronics retail company launched in May 2013 by Zaman Group of Industries under the leadership of its Founder and Chairman, Syed Asaduzzaman. Established with a clear strategic vision, the company was founded to deliver world-class electronics and home appliance brands to consumers across Bangladesh through a modern, efficient, and customer-focused retail platform. Under his stewardship, Best Electronics secured partnerships with globally recognized brands such as LG, Hitachi, Butterfly, Singer, and Whirlpool, among others. These collaborations positioned the company as a trusted national retail chain, known for authenticity, manufacturer-backed warranties, and strong after-sales service support. The company is currently led by Managing Director Syed Tahamid Zaman, the second son of the Chairman, He holds a First Class Honours degree from Newcastle University and a First Class Master’s degree from Imperial College London. Prior to joining the business. He served as a faculty member at both an international college and a leading university in Bangladesh. His strategic direction. continues to drive sustainable growth, operational excellence, and the pursuit of new alliances with globally reputed brands, ensuring that Best Electronics remains at the forefront of Bangladesh’s modern electronics retail sector.",
  "maximumInvestment": 2500000,
  "minimumInvestment": 5000,
  "campaignRepayments": [
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-08-03T17:30:00.000Z",
      "instalmentNumber": 1,
      "minExpectedAmount": 5145500
    }
  ],
  "detailPageVerified": true,
  "shariahDetailsText": "Underlying Contracts Investors appoint biniyog.io as an agent to deal on their behalf (Wakalah) and invest in the business through the buying and sale of assets under a “buy-and-sell” (Murabahah) agreement Approval from Scholars biniyog.io‘s Shariah advisors have approved the basis and application of this Murabahah contract",
  "businessDetailsText": "Value Propositions Operating 70 outlets all across Bangladesh enabling a vast outreach to the customers. Ensuring official product, manufacturer warranty and after sales service. Distributor agreements with big brands such as Sharp, Hitachi, Toshiba, Hisense and Whirlpool. Diversified options of products available in stores and online e.g. air-conditioner, refrigerators, televisions, microwave ovens, kitchen appliances, etc. Introduction to the Business Written by Business Best Electronics Limited is a 100% locally owned electronics retail company headquartered in Dhaka, Bangladesh. Established in May 2013 by Zaman Group of Industries, the company has grown over the past decade into one of the country’s most recognized and trusted electronics retail networks. With nearly 100 showrooms nationwide, Best Electronics is supported by over 300 sales professionals and more than 220 skilled service technicians. Two of its outlets are fully owned properties, including both land and building, reflecting the company’s long-term commitment and operational stability. The company offers more than 500 products across a diverse portfolio of international brands, covering categories such as televisions and entertainment systems, home appliances, kitchen appliances, air conditioners, refrigerators, chest freezers, electrical and power products, and small appliances. Best Electronics ensures customers receive official products with manufacturer warranties and comprehensive after-sales service support. Focused on operational efficiency and customer satisfaction, Best Electronics is committed to delivering a world-class retail experience in Bangladesh. Its well-trained and knowledgeable store advisers provide personalized guidance to help customers select products that best suit their needs, ensuring maximum value for money. The company places strong emphasis on post-purchase support, investing significantly in robust customer service infrastructure to enhance long-term customer relationships. This marks the company’s 3rd fundraising campaign. Best Electronics successfully completed its 1st campaign & 2nd campaign with 100% on-time repayment. The current funding requirement is aimed at procuring refrigerators and chest freezers for a 60-day operating cycle, leveraging heightened seasonal demand. Explore: Facebook | Website | Linkedin | YouTube FAQ: 💡 Is the business Shariah-compliant? The business model (selling electronics and home appliances) 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 Bai’ Murajjal (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 tenure is 2 months, from May 2026 to July 2026. Projected ROI (Return on Investment) Projected ROI: 2.92%. Annualized expected return: 17.5%. biniyog.io will be charging investors a 0.0833% success fee on repayment amount. (this % may vary slightly due to changes in calculation) If someone invests BDT 100,000 in the project, he/she can expect to receive a total of BDT 102,917 by May '26. Example: If an investor invests BDT 100,000, is expected to make a profit of BDT 3,000 over the mentioned period; biniyog.io will charge a 0.0833% success fee on the repayment amount meaning BDT 83.33 will be deducted as the success fee. This means investors will be keeping BDT 2,917 as net profit. The net ROI for the investors will be 2.9% 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 Best Electronics Limited for purchasing refrigerators and other similar items. It will be a “buy-and-sell” process where investors will first buy the products through biniyog.io. The business will then buy those items from investors on credit and pay the amount after 2 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 the business. biniyog.io has proposed a price to Best Electronics Limited for the products after considering a minimum 3.00% profit on the actual cost of product procurement. Best Electronics has agreed to it. Investors will be getting a net of 2.92% profit after deducting biniyog.io’s service charge on investor profit. Investors can expect to get their returns over 2 months in 1 installment. 🗓️ 100% by July’ 26 বিনিয়োগের সময়কাল বিনিয়োগের মেয়াদ ২ মাস, মে ২০২৬ থেকে জুলাই ২০২৬ পর্যন্ত। প্রত্যাশিত ROI (বিনিয়োগের উপর রিটার্ন) প্রত্যাশিত বিনিয়োগ ফেরত: ২.৯২%। বার্ষিক প্রত্যাশিত আয়: ১৭.৫%। biniyog.io বিনিয়োগকারীদের পরিশোধিত অর্থের উপর ০.০৮৩৩% সফলতা ফি ধার্য করবে। (গণনার পদ্ধতির পরিবর্তনের কারণে এই শতাংশ সামান্য পরিবর্তিত হতে পারে) যদি কেউ এই প্রকল্পে ১,০০,০০০ টাকা বিনিয়োগ করেন, তাহলে তিনি ২৬শে মে নাগাদ মোট ১,০২,৯১৭ টাকা পাওয়ার আশা করতে পারেন। উদাহরণ: যদি কোনো বিনিয়োগকারী ১,০০,০০০ টাকা বিনিয়োগ করেন এবং উল্লিখিত সময়কালে ৩,০০০ টাকা লাভ করার প্রত্যাশা করেন; তাহলে biniyog.io পরিশোধিত অর্থের উপর ০.০৮৩৩% সাকসেস ফি ধার্য করবে, অর্থাৎ সাকসেস ফি হিসাবে ৮৩.৩৩ টাকা কেটে নেওয়া হবে। এর মানে হলো, বিনিয়োগকারীরা নিট লাভ হিসাবে ২,৯১৭ টাকা রাখতে পারবেন। biniyog.io-এর সাকসেস ফি বাদ দেওয়ার পর, উল্লিখিত সময়কালে বিনিয়োগকারীদের জন্য নিট ROI হবে ২.৯% (বার্ষিক ১৭.৫%)। চুক্তির শর্ত বিনিয়োগকারীরা রেফ্রিজারেটর ও অন্যান্য অনুরূপ সামগ্রী ক্রয়ের জন্য বেস্ট ইলেকট্রনিক্স লিমিটেডের সাথে একটি মুরাবাহা চুক্তি (বিক্রয় চুক্তি) করবেন। এটি একটি \"ক্রয়-বিক্রয়\" প্রক্রিয়া হবে, যেখানে বিনিয়োগকারীরা প্রথমে biniyog.io-এর মাধ্যমে পণ্যগুলো কিনবেন। এরপর ব্যবসাটি বিনিয়োগকারীদের কাছ থেকে বাকিতে সেই পণ্যগুলো কিনবে এবং ২ মাস পর পুরো টাকা 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 ব্যবসায়িক প্রতিষ্ঠানের কাছে তা বিক্রি করে দেবে। biniyog.io পণ্য সংগ্রহের প্রকৃত খরচের উপর ন্যূনতম ৩.০০% মুনাফা বিবেচনা করে বেস্ট ইলেকট্রনিক্স লিমিটেডকে পণ্যগুলির জন্য একটি মূল্য প্রস্তাব করেছে। বেস্ট ইলেকট্রনিক্স এতে সম্মত হয়েছে। বিনিয়োগকারীদের মুনাফার উপর biniyog.io-এর পরিষেবা চার্জ বাদ দেওয়ার পর বিনিয়োগকারীরা মোট ২.৯২% মুনাফা পাবেন। বিনিয়োগকারীরা ২ মাসের মধ্যে ১টি কিস্তিতে তাদের রিটার্ন পাওয়ার আশা করতে পারেন। ২৬শে জুলাইয়ের মধ্যে ১০০%",
  "fundUtilizationScope": {
    "bn": "ইলেকট্রনিক্স পণ্য (চেস্ট ফ্রিজার)",
    "en": "Electronics items (chest freezers)"
  },
  "protectionPoolChargeFee": [],
  "previousRepaymentHistorySummary": "Completed 100% repayment of 1st and 2nd campaign on time. "
}