{
  "riskGrade": "B",
  "fundRaised": 914463,
  "highlights": [
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  ],
  "shortIntro": "Serving regular orders from foreign clients through regular export orders ",
  "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. 📌Bangla-Deshi Foods Limited’s Strategy: The business has a considerably large supplier base. Moreover, they have some regular suppliers as well. As a result, the business is able to keep any unexpected price fluctuations at a tolerable point. 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. 📌Bangla-Deshi Foods Limited’s Strategy: The business gets the payments from the customers through LC backed payment against their export orders. They also can avail advance payment from customers in some deals. Moreover, the business enjoys the option of getting payments at the time of delivery in such cases. The B2B wing has credit options but the business only allows credits to some customers with considerably good repayment history. Chances of product getting damaged during shipment and natural disaster: There is generally a demand spike during school and college admission periods, exam seasons, or festival periods, which could strain inventory and cash flow. 📌Bangla-Deshi Foods Limited’s Strategy: This factor can affect any business. However, the business has been handling such operations for 4+ years now. So, they already have a well-built process for handling such operations. Moreover, businesses have to take insurance to handle such logistics. These strategies mitigate such risk to some extent. Dependency on customer: As the business exports food products to Gulf and European markets, it has limited control over external market conditions. If any customer encounters challenges in importing or selling products in their respective countries, it may create difficulties for Bangla-Deshi Foods Limited in maintaining consistent sales performance. 📌Bangla-Deshi Foods Limited’s Strategy: The business leverages the owner’s extensive experience in export and trade, which enables it to identify and secure promising overseas customers. Moreover, the business ensures that its buyers maintain compliance with the regulations of their respective countries, fostering long-term and sustainable business relationships..",
      "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 Bangla-Deshi Foods Limited within a very short time frame. Bangla-Deshi Foods Limited 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": "Bangla-Deshi Foods Limited 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 / multiple guarantors in the contract for adding an extra layer of security.",
      "type": "Security"
    }
  ],
  "businessName": "Bangladeshi Foods Limited",
  "contractType": "MURABAHA",
  "projectFocus": "Food & Beverage",
  "fundingTarget": 4500000,
  "fundProcessing": 330025,
  "projectedROIMax": 4.124999859375017,
  "projectedROIMin": 4.124999859375017,
  "ownerDetailsText": "Written by Managing Director: Muhammad Mafujer Rahman With both a BBA and MBA in Finance, and more than a decade of experience in international export and trade, I have had the privilege of understanding the intricacies of global markets, supply chains, and consumer behavior. This experience has been instrumental in shaping our company’s strategy — not just to export food, but to export quality, reliability, and brand value. Bangla-Deshi Foods Limited proudly offers six distinct product categories: biscuits, bakery biscuits, edible oils, rice, spices, snacks, and frozen foods. Each product is a result of careful sourcing, stringent quality control, and a deep respect for the traditions of Bangladeshi cuisine. But beyond the products, what sets us apart is the people behind them.",
  "maximumInvestment": 1350000,
  "minimumInvestment": 5000,
  "campaignRepayments": [
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-09-19T11:30:00.000Z",
      "instalmentNumber": 1,
      "minExpectedAmount": 4680000
    }
  ],
  "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 Murabaha contract.",
  "businessDetailsText": "Value Propositions Sourcing products from initial level sellers enabling better margins. Considerably short credit windows (60-120 days) with scope of getting advance payments against orders. Established foreign customer base. Introduction to the Business Written by Business We are a 100% export-oriented dry food manufacturer based in Bangladesh, specializing in producing high-quality traditional and ready-to-eat food items for international markets. Our company ensures superior taste, hygiene, and packaging standards to meet global buyer requirements. With a growing presence across Asia, the Middle East, Europe, and North America, we aim to represent the authentic flavors of Bangladesh worldwide. Bangla-Deshi Food Limited, has started its journey in 2019, it has been able to create a strong foothold in the international market through its quality products. For its obsession with quality management, the company had obtained the international quality standard ISO 9001 in 2005. We serve many overseas distributors and importers who buy in bulk orders under long-term contracts. Private-label brands that source Bangladeshi dry foods and rebrand them for their markets. We also have online and retail channels abroad through which we export under our own brand name. Our profit comes from product sales margins, bulk export orders, and value-added processing (custom packaging and flavoring) tailored for each market. Our business stands out for combining authentic Bangladeshi flavors with international export standards. We specialize in high-quality, shelf-stable dry foods made from locally sourced ingredients, ensuring freshness and long-lasting taste. Our production process follows global food safety standards (HACCP/GMP), and we maintain customized recipes and packaging to match regional market preferences. We offer competitive pricing due to efficient local sourcing and in-house production, giving us a strong edge in export markets where demand for traditional South Asian foods is rapidly growing. Our company is currently exporting dry food products to several international markets with strong demand and repeat orders. We have established a reliable supply chain, in-house production facilities, and a growing network of overseas buyers. However, our current capacity limits us from fulfilling larger export orders and expanding into new regions. The business has completed its first repayment on time. Its second repayment is scheduled for June 3rd, 2026. The third campaign's funds will be disbursed after they have completed the second campaign's repayment. Office Address: Rupayan FPAB Tower, 6th floor (G-7), 2, Noya Paltan, Box Culvert Road, Dhaka-1000. Factory Address: 48 North Rajashon, Savar, Dhaka, PO : 1340. Explore: Website FAQ: 💡 Is the business Shariah-compliant? The business model (selling spice items, dry food and bakery 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 3.5 months, expected to be completed by October 2026. If everything goes smoothly, it may be completed as early as 3 months, by late September 2026. Projected ROI (Return on Investment) Projected Return on Investment (ROI):4% (actual) Projected Return on Investment (ROI): 16% (annualized) biniyog.io will charge a 0.48% success fee on the repayment amount Example: If an investor invests BDT 100,000, is expected to make a profit of BDT 4,500 over the mentioned period; biniyog.io will charge 0.48% success fee on the repayment amount meaning BDT 500 will be deducted as the success fee. This means investors will be keeping BDT 4,000 as net profit. The net ROI for the investors will be 4% over the mentioned period after deducting biniyog.io’s success fee. Contract Condition Investors will go into a Murabaha agreement (sale contract) with Bangla-Deshi Foods Limited for purchasing dry food products. It will be a “buy-and-sell” process where investors will first buy the products through biniyog.io. Bangla-Deshi Foods Limited will then buy those items from investors on credit and pay the amount after 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 Bangla-Deshi Foods Limited. biniyog.io has proposed a price to Bangla-Deshi Foods Limited for the products after considering a minimum 4.5% profit on the actual cost of product procurement. Bangla-Deshi Foods Limited has agreed to it. Investors will be getting a net of 4% profit after deducting biniyog.io’s service charge on investor profit. Investors can expect to get their returns in the following installment. 🗓️ 100% by the start of October’ 2026 বিনিয়োগের সময়কাল এই বিনিয়োগটি সর্বোচ্চ সাড়ে তিন মাসের জন্য করা হয়েছে এবং এটি ২০২৬ সালের অক্টোবরের মধ্যে সম্পন্ন হবে বলে আশা করা হচ্ছে। সবকিছু ঠিকঠাক চললে, এটি মাত্র তিন মাসের মধ্যেই, অর্থাৎ ২০২৬ সালের সেপ্টেম্বরের শেষের দিকে সম্পন্ন হতে পারে। প্রত্যাশিত ROI (বিনিয়োগের উপর রিটার্ন) প্রত্যাশিত বিনিয়োগ রিটার্ন (ROI): ৪% (প্রকৃত) বিনিয়োগে প্রত্যাশিত আয় (ROI): ১৬% (বার্ষিক) biniyog.io পরিশোধিত অর্থের উপর ০.৪৮% সফলতা ফি ধার্য করবে। উদাহরণ: যদি কোনো বিনিয়োগকারী ১,০০,০০০ টাকা বিনিয়োগ করেন এবং উল্লিখিত সময়কালে ৪,৫০০ টাকা লাভ করার প্রত্যাশা করেন; তাহলে biniyog.io পরিশোধিত অর্থের উপর ০.৪৮% সাকসেস ফি ধার্য করবে, অর্থাৎ সাকসেস ফি হিসাবে ৫০০ টাকা কেটে নেওয়া হবে। এর মানে হলো, বিনিয়োগকারীরা নিট লাভ হিসাবে ৪,০০০ টাকা রাখবেন। biniyog.io-এর সাকসেস ফি বাদ দেওয়ার পর উল্লিখিত সময়কালে বিনিয়োগকারীদের নিট ROI হবে ৪%। চুক্তির শর্ত বিনিয়োগকারীরা বাংলা-দেশি ফুডস লিমিটেডের সঙ্গে শুকনো খাদ্যপণ্য ক্রয়ের জন্য একটি মুরাবাহা চুক্তি করবেন। এটি একটি \"ক্রয়-বিক্রয়\" প্রক্রিয়া হবে, যেখানে বিনিয়োগকারীরা প্রথমে biniyog.io-এর মাধ্যমে পণ্যগুলো ক্রয় করবেন। এরপর বাংলা-দেশি ফুডস লিমিটেড বিনিয়োগকারীদের কাছ থেকে বাকিতে সেই পণ্যগুলো ক্রয় করবে এবং উল্লিখিত সময় শেষে 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 বাংলা-দেশি ফুডস লিমিটেডের কাছে তা বিক্রি করবে। বিনিযোগ.আইও পণ্য সংগ্রহের প্রকৃত খরচের উপর ন্যূনতম ৪.৫% মুনাফা বিবেচনা করে বাংলা-দেশি ফুডস লিমিটেডকে পণ্যগুলোর জন্য একটি মূল্য প্রস্তাব করেছে। বাংলা-দেশি ফুডস লিমিটেড এতে সম্মত হয়েছে। বিনিয়োগকারীরা তাদের লাভের উপর বিনিযোগ.আইও-এর সার্ভিস চার্জ বাদ দিয়ে নিট ৪% মুনাফা পাবেন। বিনিয়োগকারীরা নিম্নলিখিত কিস্তিতে তাদের রিটার্ন পেতে পারেন। ২০২৬ সালের অক্টোবরের শুরুতেই ১০০%",
  "fundUtilizationScope": {
    "bn": "খাদ্য ও পানীয়",
    "en": "Food & Beverage"
  },
  "protectionPoolChargeFee": [],
  "previousRepaymentHistorySummary": "The business has completed its first repayment on time. Its second repayment is scheduled for June 3rd, 2026. The third campaign's funds will be disbursed after they have completed the second campaign's repayment."
}