{
  "riskGrade": "B",
  "fundRaised": 1821062,
  "highlights": [
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    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Gadget_Nova/3.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Gadget_Nova/4.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Gadget_Nova/5.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Gadget_Nova/6.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Gadget_Nova/7.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Gadget_Nova/8.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Gadget_Nova/9.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/2.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/3.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/4.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/5.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/6.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/7.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/8.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/9.jpg",
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  ],
  "shortIntro": "Authorized distributor of EasySMX,Bigbigwon; running an online store and a physical store.",
  "riskDetails": [
    {
      "text": "Supply Chain & Import Dependence: Reliance on imported electronics and peripherals can make Gadget Nova vulnerable to shipping delays, customs issues, and currency fluctuations. 📌Gadget Nova’s strategy: The business maintains safety stock, holds official distributorships, and diversifies across multiple brand partners to secure consistent and authentic supply. High Competition in E-commerce & Tech Retail: E-commerce giants, grey-market importers, and new entrants may push price wars and reduce market share. 📌Gadget Nova’s strategy: Gadget Nova differentiates with official distributorships, genuine warranty-backed products, and a loyal, community-driven gamer base. Counterfeit Market & Consumer Trust: Counterfeit and grey-market peripherals are common locally, and any quality or authenticity concern can quickly harm reputation. 📌Gadget Nova’s strategy: The business invests in genuine products, transparent warranty and after-sales support, and continuous community engagement to build and maintain trust. Inventory and Expansion Risk: Scaling inventory ties up capital, and fast-moving tech products carry a risk of obsolescence. 📌Gadget Nova’s strategy: The business uses data-driven inventory planning, focuses on high-demand SKUs, and expands product lines and operations in measured phases.",
      "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, unless one of the risk factors comes into play. biniyog.io projects that this will help the business run smoothly as well as meet payment deadlines.",
      "type": "Payment Delay"
    },
    {
      "text": "biniyog.io will buy the products on behalf of investors first and secure ownership. Gadget Nova would have the right to reject the products due to quality etc. The risk is expected to be minimal since Gadget Nova themselves will be choosing the items before biniyog.io buys them. This is a necessary risk to ensure Shariah compliance of the transaction.",
      "type": "Possession of assets"
    },
    {
      "text": "Gadget Nova will share a security cheque. Additionally, two guarantors along with security cheques will be introduced in the contract by the business to add an extra layer of safety for the investors.",
      "type": "Security"
    }
  ],
  "businessName": "Gadget Nova",
  "contractType": "MURABAHA",
  "projectFocus": "Electric & Electronics",
  "fundingTarget": 2000000,
  "fundProcessing": 10000,
  "projectedROIMax": 14.25075,
  "projectedROIMin": 14.25075,
  "ownerDetailsText": "Written by the business Gadget Nova was founded by an engineer driven by his aspiration to improve an underserved gaming market and community-driven tech brand in a developing nation. I’m Shajid Mahmood, a Computer Science & Engineering graduate and the founder of Gadget Nova, a fast-growing gaming peripherals brand in Bangladesh. I started the business over 5 years ago with a clear focus on building a trusted, community-driven tech brand in an underserved gaming market. Since then, I’ve been leading all aspects of the company—from product sourcing and brand partnerships to marketing and customer experience—scaling it into a recognized name among local gamers. Currently, I’m fully focused on expanding Gadget Nova’s reach, operations, and product ecosystem. My long-term vision is to position Gadget Nova as the leading gaming and tech retail brand in Bangladesh, with a scalable e-commerce infrastructure and future expansion into international markets.",
  "maximumInvestment": 4500000,
  "minimumInvestment": 5000,
  "campaignRepayments": [
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-10-15T11:30:00.000Z",
      "instalmentNumber": 1,
      "minExpectedAmount": 84563
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-11-15T11:30:00.000Z",
      "instalmentNumber": 2,
      "minExpectedAmount": 84563
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-12-15T11:30:00.000Z",
      "instalmentNumber": 3,
      "minExpectedAmount": 169125
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-01-15T11:30:00.000Z",
      "instalmentNumber": 4,
      "minExpectedAmount": 169125
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-02-15T11:30:00.000Z",
      "instalmentNumber": 5,
      "minExpectedAmount": 338250
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-03-15T11:30:00.000Z",
      "instalmentNumber": 6,
      "minExpectedAmount": 422813
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-04-15T11:30:00.000Z",
      "instalmentNumber": 7,
      "minExpectedAmount": 422813
    }
  ],
  "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 Murabahah contract.",
  "businessDetailsText": "Value Propositions Official distributor for leading international gaming brands such as EasySMX, GameSir, Flydigi, and Bigbigwon, ensuring authentic products Diversified revenue across direct online sales, offline retail sales, and brand distribution partnerships. Founder with 5+ years of experience building the brand. Introduction to the Business Written by the business Gadget Nova is a fast-growing gaming peripherals and tech accessories brand in Bangladesh, focused on delivering high-quality products at competitive prices nationwide. Founded around 2020, the business started as a small online venture and has since scaled into a trusted e-commerce platform with a strong and engaged community of gamers. We specialize in gaming controllers, keyboards, mice, and networking devices, generating revenue through direct online sales, offline retail sales and brand distribution partnerships. Gadget Nova is uniquely positioned through its strong social media presence, customer trust, and focus on genuine products with warranty support—something still lacking in this market. We have achieved consistent growth, including reaching over 25,000 followers on Facebook and becoming an official distributor for international gaming brands like EasySMX, Gamesir, Flydigi, Bigbigwon etc. Currently, we are expanding operations and product lines, and seeking funding to scale inventory, improve logistics, and build a more advanced e-commerce ecosystem. Explore: Website FAQ: 💡 Is the business Shariah-compliant? The business model (selling PC and laptop accessories, gadgets, and other similar 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 9 months, from July 2026 to April 2027 Projected ROI (Return on Investment) Projected Return on Investment (ROI): 12.75% Projected ROI (Annualized): 17% biniyog.io will be charging investors a 1.96% success fee after successful repayments Example: If an investor invests BDT 100,000, is expected to make a profit of BDT 15,000 in 9 months; biniyog.io will charge a success fee of 1.96% on the repayment amount meaning BDT 2,250 will be deducted as the success fee. This means investors will be keeping BDT12,750 as net profit. The net ROI for the investors will be 12.75% over 9 months after deducting biniyog.io’s success fee. Contract Condition Investors will go into a Bai' Muajjal agreement (sale contract) with Gadget Nova. It will be a “buy-and-sell” contract, where Gadget Nova will be buying computer and accessories items from investors at a markup price and pay the amount in pre-agreed installments. 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 Gadget Nova. biniyog.io has proposed a price to Gadget Nova for the products after considering a minimum 15% profit on the actual cost of product procurement and Gadget Nova has agreed to it. Investors will be getting a net of 12.7500% profit after deducting biniyog.io‘s service charge on investor profit. Investors can expect to get their returns over 9 months in 2 installments: 🗓️ 10% in January’ 2027 🗓️ 90% in April’ 2027 বিনিয়োগের সময়কাল এই বিনিয়োগটি জুলাই ২০২৬ থেকে এপ্রিল ২০২৭ পর্যন্ত, সর্বোচ্চ ৯ মাসের জন্য প্রযোজ্য। প্রত্যাশিত ROI (বিনিয়োগের উপর রিটার্ন) বিনিয়োগ থেকে প্রত্যাশিত আয় (ROI): ১২.৭৫% প্রত্যাশিত বিনিয়োগ ফেরত (বার্ষিক): ১৭% সফলভাবে অর্থ পরিশোধের পর biniyog.io বিনিয়োগকারীদের কাছ থেকে ১.৯৬% সফলতা ফি নেবে। উদাহরণ: যদি কোনো বিনিয়োগকারী ১,০০,০০০ টাকা বিনিয়োগ করেন এবং ৯ মাসে ১৫,০০০ টাকা লাভ করার প্রত্যাশা করেন; তাহলে biniyog.io পরিশোধিত অর্থের উপর ১.৯৬% সাকসেস ফি ধার্য করবে, অর্থাৎ সাকসেস ফি হিসাবে ২,২৫০ টাকা কেটে নেওয়া হবে। এর মানে হলো, বিনিয়োগকারীরা নিট লাভ হিসাবে ১২,৭৫০ টাকা রাখবেন। biniyog.io-এর সাকসেস ফি বাদ দেওয়ার পর, ৯ মাসে বিনিয়োগকারীদের নিট ROI হবে ১২.৭৫%। চুক্তির শর্ত বিনিয়োগকারীরা গ্যাজেট নোভার সাথে একটি বাই মুয়াজ্জাল চুক্তিতে (বিক্রয় চুক্তি) আবদ্ধ হবেন। এটি একটি \"ক্রয়-বিক্রয়\" চুক্তি হবে, যেখানে গ্যাজেট নোভা বিনিয়োগকারীদের কাছ থেকে বর্ধিত মূল্যে কম্পিউটার ও আনুষঙ্গিক সামগ্রী ক্রয় করবে এবং পূর্ব-সম্মত কিস্তিতে সেই অর্থ পরিশোধ করবে। biniyog.io বিনিয়োগকারীদের এজেন্ট হিসেবে কাজ করবে এবং তাদের পক্ষ থেকে পণ্যগুলো ক্রয় করবে, সম্পদের প্রয়োজনীয় মালিকানা ও দখলের ঝুঁকি গ্রহণ করবে এবং তারপর গ্যাজেট নোভার কাছে তা বিক্রি করবে। biniyog.io পণ্য সংগ্রহের প্রকৃত খরচের উপর ন্যূনতম ১৫% মুনাফা বিবেচনা করে Gadget Nova-কে পণ্যগুলির জন্য একটি মূল্য প্রস্তাব করেছে এবং Gadget Nova তাতে সম্মত হয়েছে। বিনিয়োগকারীরা তাদের লাভের উপর biniyog.io-এর পরিষেবা চার্জ বাদ দেওয়ার পর মোট ১২.৭৫০০% মুনাফা পাবেন। বিনিয়োগকারীরা ৯ মাসের বেশি সময় ধরে তাদের রিটার্ন পাওয়ার আশা করতে পারেন।কিস্তি: 🗓️ ২০২৭ সালের জানুয়ারিতে ১০% 🗓️ ২০২৭ সালের এপ্রিলে ৯০%",
  "fundUtilizationScope": {
    "bn": " ইলেকট্রনিক্স ",
    "en": "Electric & Electronics"
  },
  "protectionPoolChargeFee": [
    {
      "startingFrom": 5000,
      "protectionPoolFeeRate": 1
    },
    {
      "startingFrom": 100000,
      "protectionPoolFeeRate": 1.5
    }
  ],
  "previousRepaymentHistorySummary": null
}