{
  "riskGrade": "B+",
  "fundRaised": 964531,
  "highlights": [
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Dazzling_Trade_International/Dazzling_1.jpeg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Dazzling_Trade_International/Dazzling_2.jpeg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Dazzling_Trade_International/Dazzling_3.jpeg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Dazzling_Trade_International/Dazzling_4.jpeg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Dazzling_Trade_International/Dazzling_5.jpeg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Dazzling_Trade_International/Dazzling_6.jpeg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Dazzling_Trade_International/Dazzling_7.jpeg"
  ],
  "shortIntro": "High-end premium skincare items & perfume wholesaler",
  "riskDetails": [
    {
      "text": "Foreign Currency Exchange Rate: Uncertain Fluctuation of the dollar rate can increase the price and cost of imported products. This may result in drop in sales and profit margin for the business, making it difficult to repay investors on-time. 📌Dazzling Trade International’s Strategy:: The business normally stores bulk products in their warehouse. The business has good connections with the suppliers allowing the business to enjoy information advantage. The business also gets pre-order from its customers (wholesalers & retailers) and hence can address such price fluctuations. Inflation and macroeconomic issues: The purchasing power of customers plays a major role in the industry that Dazzling Trade International is operating in. Any uncertain situation can result in a downward trend in sales. 📌Dazzling Trade International’s Strategy: The business sells high end skin care products and color cosmetics. They have gained a good level of experience about the consumer’s preference and demand by doing experiments several times. The business has given test trials with different SKUs of different brands and by doing this they acquired the knowledge of the market. The current product line of the business is highly demanded by the consumer which indicates the minimum effect of microeconomic issues on the sale of Dazzling Trade International. Besides, the business has already handled the price fluctuations over the last 8 years of operation. High competitiveness in the market: The availability of information makes the market very competitive. Moreover, threats of new entrants in the market are also there. So, there is always a possibility that the business may lose its market shares. This may ultimately result in a drop in pre-orders. 📌Dazzling Trade Internationals Strategy: The Business has established relationships with several customers (Wholesalers) all over Dhaka. Besides, the business already has a good level of demand for its products among its current customers. In addition, the unique value the business provides is the price they can offer, which is not possible for a new entrant to offer due to their relationship with the overseas supplier. Bilateral relationship:It is considerably the most unavoidable risk for the import oriented businesses. Bilateral relationship among supplier and buyer country affects the overall process from sourcing to pricing. Also, the political situation worldwide has an impact on overseas business. It may cause a shortage of supply in the market. However, any import-based business may get affected by this.",
      "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 appoint Dazzling Trade International as its purchase agent to source products in the USA. After sourcing the goods, biniyog.io’s agent in the USA will take ownership and possession of the goods on behalf of biniyog.io's investors. After the products are inspected and matched with purchase receipts, the products will be sold to Dazzling Trade within a short timeframe. The risk of rejection of product is minimal here, as Dazzling Trade will select the products themselves before biniyog.io's agent takes possession. This is a necessary risk to ensure Shariah compliance of the transaction.",
      "type": "Possession of assets"
    },
    {
      "text": "Dazzling Trade International 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": "Dazzling Trade International",
  "contractType": "MURABAHA",
  "projectFocus": "Skin care",
  "fundingTarget": 2000000,
  "fundProcessing": 1041039,
  "projectedROIMax": 8.497498920000393,
  "projectedROIMin": 8.497498920000393,
  "ownerDetailsText": "Dazzling Trade International is a Partnership Business founded by Md. Humayun Kabir and his only younger brother Md. Shafiqul Alam. The majority of stake is owned by Md. Humayun Kabir. After completing his graduation he joined an NGO and served there for 2000-2015 and besides this he completed his MBA from State University of Bangladesh (SUB). His last designation was Department Head (Finance & Accounting). Md Humayun Kabir was always attracted to start his own business and beside his job he took small steps to settle down a business and in 2016 finally he quit his job and started his journey as an entrepreneur. The other partner of the business Md. Shofiqul Alam has also completed his MBA from State University of Bangladesh (SUB). and joined with his elder brother.",
  "maximumInvestment": 500000,
  "minimumInvestment": 5000,
  "campaignRepayments": [
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-09-05T11:30:00.000Z",
      "instalmentNumber": 1,
      "minExpectedAmount": 44653
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-10-06T11:30:00.000Z",
      "instalmentNumber": 2,
      "minExpectedAmount": 44653
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-11-05T11:30:00.000Z",
      "instalmentNumber": 3,
      "minExpectedAmount": 767222
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-12-06T11:30:00.000Z",
      "instalmentNumber": 4,
      "minExpectedAmount": 767222
    }
  ],
  "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” (Bai’Muajjal) agreement. Approval from Scholars biniyog.io's Shariah advisors have approved the basis and application of this Murabahah contract.",
  "businessDetailsText": "Value Propositions Strong supplier relationships ensure better pricing, consistent quality, and reliable supply chain support. Focusing on a niche market by offering exclusive, high-end products for discerning premium customers. Products are procured strictly on a pre-order basis, reducing inventory risk and ensuring demand alignment. Introduction to the Business Dazzling Trade International commenced its operations in 2016 with a focus on importing renowned beauty care products from the USA for wholesale distribution in Bangladesh. Targeting wholesale clients situated in Gulshan, Dhaka, Bangladesh. The business selects products tailored to meet their specific demands of the wholesalers. Specializing in skin care products, color cosmetics, and food supplements sourced from the USA, Dazzling Trade International prides itself on procuring authentic and fresh merchandise directly from authorized distributors and manufacturers. Dazzling Trade International has earned a reputation for its commitment to honesty in business dealings. Recognizing the booming preferences of Bangladeshi consumers for quality and popular brands, the company distinguishes itself by adeptly sourcing products at competitive prices while maintaining favorable profit margins. This proficiency not only ensures the sustainability of operations but also enables timely fulfillment of financial obligations. With a growing demand in the market, Dazzling Trade International is currently seeking funds to bolster its inventory of overseas products, further enhancing its ability to meet consumer needs effectively. The business has successfully completed 100% repayment of its 1st Campaign, 2nd Campaign, and Campaign [3.1] (a tranche of the 3rd Campaign) on time. Additionally, approximately 9% of Campaign [3.2] has already been repaid, and the remaining amount is expected to be repaid as per schedule. A financing limit has been set for the business by Biniyog. Address : 183/2, Block-F,Road-3, TeenShead Colony, Mirpur-13, Kafrul, Dhaka, Bangladesh. Explore: Website | Facebook FAQ: 💡 Is the business Shariah-compliant? The business model (selling halal skin care 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 Bai’Muajjal (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 months from the end of May 2026 to the end of November 2026. Projected ROI (Return on Investment) Projected ROI: 8.25%. Annualized expected return: 16.5%. biniyog.io will be charging investors a 0.69% 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 9,000 over the mentioned period; biniyog.io will charge a 0.69% success fee on the repayment amount meaning BDT 750 will be deducted as the success fee. This means investors will be keeping BDT 8,250 as net profit. The net ROI for the investors will be 8.25% over the mentioned period (16.5% annualized) after deducting biniyog.io’s success fee. Contract Condition Investors will go into a Bai Muajjal agreement (sale contract) with Dazzling Trade International for importing skin care products. It will be a “buy-and-sell” process where investors will first buy the products through biniyog.io. Dazzling Trade International will then buy those items from investors on credit and pay the amount over the mentioned period. 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 Dazzling Trade International. biniyog.io has proposed a price to Dazzling Trade International for the products after considering a minimum 9% profit on the actual cost of product procurement and Dazzling Trade International has agreed to it. Investors will be getting a net of 8.25% profit after deducting biniyog.io’s service charge on investor profit. Investors can expect to get their returns in four installments: 🗓️ 2.75% by October’ 2026 🗓️ 97.25% by December 2026 বিনিয়োগের সময়কাল এই বিনিয়োগটি ২০২৬ সালের মে মাসের শেষ থেকে ২০২৬ সালের নভেম্বর মাসের শেষ পর্যন্ত সর্বোচ্চ ৬ মাসের জন্য প্রযোজ্য। প্রত্যাশিত ROI (বিনিয়োগের উপর রিটার্ন) প্রত্যাশিত বিনিয়োগ ফেরত: ৮.২৫%। বার্ষিক প্রত্যাশিত আয়: ১৬.৫%। biniyog.io বিনিয়োগকারীদের পরিশোধিত অর্থের উপর ০.৬৯% 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 ৯,০০০ টাকা লাভ করার আশা করতে পারেন; biniyog.io পরিশোধিত অর্থের উপর ০.৬৯% সাকসেস ফি ধার্য করবে, অর্থাৎ সাকসেস ফি হিসাবে ৭৫০ টাকা কেটে নেওয়া হবে। এর মানে হলো, বিনিয়োগকারীরা নিট লাভ হিসাবে ৮,২৫০ টাকা রাখবেন। biniyog.io-এর সাকসেস ফি বাদ দেওয়ার পর, উল্লিখিত সময়কালে বিনিয়োগকারীদের জন্য নিট ROI হবে ৮.২৫% (বার্ষিক ১৬.৫%)। চুক্তির শর্ত বিনিয়োগকারীরা ত্বকের যত্নের পণ্য আমদানির জন্য ড্যাজলিং ট্রেড ইন্টারন্যাশনালের সাথে একটি বাই মুয়াজ্জাল চুক্তি (বিক্রয় চুক্তি) করবেন। এটি একটি \"ক্রয়-বিক্রয়\" প্রক্রিয়া হবে, যেখানে বিনিয়োগকারীরা প্রথমে biniyog.io-এর মাধ্যমে পণ্যগুলো কিনবেন। এরপর ড্যাজলিং ট্রেড ইন্টারন্যাশনাল বিনিয়োগকারীদের কাছ থেকে বাকিতে সেই পণ্যগুলো কিনবে এবং উল্লিখিত সময়ের মধ্যে অর্থ 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 ড্যাজলিং ট্রেড ইন্টারন্যাশনালের কাছে তা বিক্রি করবে। biniyog.io পণ্য সংগ্রহের প্রকৃত খরচের উপর ন্যূনতম ৯% মুনাফা বিবেচনা করে Dazzling Trade International-কে পণ্যগুলির জন্য একটি মূল্য প্রস্তাব করেছে এবং Dazzling Trade International তাতে সম্মত হয়েছে। বিনিয়োগকারীরা তাদের লাভের উপর biniyog.io-এর পরিষেবা চার্জ বাদ দেওয়ার পর নিট ৮.২৫% মুনাফা পাবেন। বিনিয়োগকারীরা চারটি কিস্তিতে তাদের মুনাফা পাওয়ার আশা করতে পারেন: ২০২৬ সালের অক্টোবরের মধ্যে ২.৭৫% 🗓️ ডিসেম্বর 2026 এর মধ্যে 97.25%",
  "fundUtilizationScope": {
    "bn": "ত্বক-পরিচর্যার পণ্য",
    "en": "skin care products"
  },
  "protectionPoolChargeFee": [
    {
      "startingFrom": 5000,
      "protectionPoolFeeRate": 1
    },
    {
      "startingFrom": 100000,
      "protectionPoolFeeRate": 1.5
    }
  ],
  "previousRepaymentHistorySummary": "All repayment till now was on time. "
}