{
  "riskGrade": "A",
  "fundRaised": 3603014,
  "highlights": [
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/S_S_TRADERS/KhamarFresh_Cover_Image.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/S_S_TRADERS/KhamarFresh_Photo_2.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/S_S_TRADERS/IMG-20250310-WA0000.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/S_S_TRADERS/KhamarFresh_Photo_1.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/S_S_TRADERS/KhamarFresh_Photo_3.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",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/10.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/12.jpg"
  ],
  "shortIntro": "A Leading B2B Fresh Meat Supplier Serving for 6 Years",
  "riskDetails": [
    {
      "text": "Supply Chain Disruptions: Dealing directly in highly perishable goods especially fresh beef creates heightened dependency on a concentrated group of livestock farms, slaughterhouses, and cold-chain distributors. Any disruption such as seasonal shortages, transport delays, disease outbreaks, or sudden supply-side price fluctuations can immediately affect product availability. This may delay order fulfillment and reduce customer satisfaction. 📌KhamarFresh’s Strategy: The business sources beef and other perishable items from multiple local farms and vetted suppliers, maintaining strong, long-term partnerships to ensure consistency. Continuous cold-chain monitoring further ensures steady stock availability even during peak demand periods. Market Competition: As nationwide demand for hygienic, properly handled livestock products increases, both traditional meat sellers and new digital platforms are expanding aggressively into the fresh-beef segment. Competitors with greater capital may leverage scale to compete on price, service range, or delivery speed. 📌KhamarFresh’s Strategy: The business differentiates itself by upholding uncompromising hygiene standards, maintaining premium-quality Bangladeshi beef sourced responsibly, and offering reliable doorstep delivery through an optimized cold-chain process. Its broad yet strategically curated product range focused on high-demand cuts and categories - helps retain customer loyalty and strengthen its competitive position. Consumer Trust & Market Perception: The meat industry is highly sensitive to public perception. Any concerns related to meat quality, handling practices, hygiene lapses, or misinformation can quickly erode trust and negatively impact buying behavior especially with perishable goods like beef, where safety is paramount. 📌KhamarFresh’s Strategy: The business enforces strict quality control at every touchpoint - from sourcing live cattle, to processing, to temperature-controlled delivery. Transparency is maintained through clear labeling, traceability of farm origins, and consistent communication on handling practices. By demonstrating clean, controlled, and ethical operations, the business reinforces long-term customer confidence and brand credibility.",
      "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 KhamarFresh within a very short time frame. KhamarFresh would have the right to reject the product due to quality and other order specifications. The risk is expected to be minimal since KhamarFresh 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": "KhamarFresh will share a business security cheque and installment cheques with biniyog.io. Additionally, the business will introduce two guarantors with security cheques in the contract for adding an extra layer of security.",
      "type": "Security"
    }
  ],
  "businessName": "S&S TRADERS",
  "contractType": "MURABAHA",
  "projectFocus": "Livestock",
  "fundingTarget": 5000000,
  "fundProcessing": 1359154,
  "projectedROIMax": 8,
  "projectedROIMin": 8,
  "ownerDetailsText": "Written by the business Mr. Tamimul Islam is the proprietor & CEO of S&S Traders, a leading name in the agro-business and livestock trading industry in Bangladesh. With over 6 years of experience in business management, strategy, and corporate leadership, he has led S&S Traders to expand its supply of high-quality livestock across corporate, government, and local markets. Under his guidance, the company has successfully expanded its operations, maintaining a focus on sustainable practices, quality assurance, and customer-centric solutions. Since the establishment of S&S Traders in 2019, Mr. Islam has played a pivotal role in shaping the company’s vision and operational strategies. His extensive experience in business operations, procurement, logistics, and supply chain management has positioned the company as a leader in the livestock and agro industry.",
  "maximumInvestment": 2500000,
  "minimumInvestment": 5000,
  "campaignRepayments": [
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-12-03T11:30:00.000Z",
      "instalmentNumber": 1,
      "minExpectedAmount": 1890000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-01-02T11:30:00.000Z",
      "instalmentNumber": 2,
      "minExpectedAmount": 1890000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-02-02T11:30:00.000Z",
      "instalmentNumber": 3,
      "minExpectedAmount": 1620000
    }
  ],
  "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 Premium-quality beef and farm-fresh products. All cash transactions. Strong sourcing and cold-chain logistics. Growing demand and trusted brand presence. Introduction to the Business Written by the business KhamarFresh is a premium meat and farm-fresh product supplier brand operated under (S&S Traders) serving both B2B and B2C customers where it primarily serves B2B customers with hygienic processing and reliable delivery. We are currently seeking investment to purchase livestocks targeting the upcoming wedding season. Business has completed 100% repayment of the first two campaigns on time. Office: 20, Dilkusha Yusuf Chamber, Motijheel, Dhaka-1000 Processing Unit: Shahinur Jame Moshjid Road, Bosila FAQ: 💡 Is the business Shariah-compliant? The business model (selling meat and farm-fresh products) 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 6 months, from August 2026 to February 2027. Projected ROI (Return on Investment) Projected Return on Investment (ROI): 8% (actual) Projected ROI: 16% (annualized) biniyog.io will be charging investors a 1.82% success fee on repayment amount. Example: If an investor invests BDT 1,00,000, he /she is expected to make a profit of BDT 10,000 in the mentioned duration; biniyog.io will charge a 1.82% success fee (this % may vary slightly due to changes in calculation) on the repayment amount meaning BDT 2000 will be deducted as the success fee. This means investors will be keeping BDT 8000 as net profit. The net ROI of the investors will be 8% after deducting biniyog.io’s success fee. Contract Condition Investors will go into a Murabaha agreement (sale contract) with KhamarFresh for purchasing livestock and farm-fresh products. It will be a “buy-and-sell” process where investors will first buy the products through biniyog.io. KhamarFresh will then buy those items from investors on credit and pay the amount over the mentioned duration. 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 KhamarFresh. biniyog.io has proposed a price to KhamarFresh for the products after considering a minimum 10% profit on the actual cost of product procurement. KhamarFresh has agreed to it. Investors will be getting a net of 8% profit after deducting biniyog.io’s success fee on investor repayments. Investors can expect to get their returns in the following structure: 🗓️ 100% in February 2027 বিনিয়োগের সময়কাল বিনিয়োগটি ৬ মাসের জন্য।মাস, আগস্ট ২০২৬ থেকে ফেব্রুয়ারি ২০২৭ পর্যন্ত. প্রত্যাশিত ROI (বিনিয়োগের উপর রিটার্ন) বিনিয়োগের উপর প্রত্যাশিত আয় (ROI): ৮% (প্রকৃত) প্রত্যাশিত ROI: ১৬% (বার্ষিক) biniyog.io বিনিয়োগকারীদের পরিশোধিত অর্থের উপর ১.৮২% সফলতা ফি ধার্য করবে। উদাহরণ: যদি কোনো বিনিয়োগকারী ১,০০,০০০ টাকা বিনিয়োগ করেন এবং উল্লিখিত সময়কালে তার ১০,০০০ টাকা লাভ করার প্রত্যাশা থাকে, তাহলে biniyog.io পরিশোধিত অর্থের উপর ১.৮২% সাকসেস ফি ধার্য করবে (গণনার পরিবর্তনের কারণে এই শতাংশ সামান্য পরিবর্তিত হতে পারে), অর্থাৎ সাকসেস ফি হিসাবে ২,০০০ টাকা কেটে নেওয়া হবে। এর মানে হলো, বিনিয়োগকারীরা নিট লাভ হিসাবে ৮,০০০ টাকা রাখবেন। biniyog.io-এর সাকসেস ফি বাদ দেওয়ার পর বিনিয়োগকারীদের নিট ROI হবে ৮%। চুক্তির শর্ত বিনিয়োগকারীরা গবাদি পশু ও খামার-তাজা পণ্য ক্রয়ের জন্য খামারফ্রেশ-এর সাথে একটি মুরাবাহা চুক্তি (বিক্রয় চুক্তি) করবেন। এটি একটি \"ক্রয়-বিক্রয়\" প্রক্রিয়া হবে, যেখানে বিনিয়োগকারীরা প্রথমে biniyog.io-এর মাধ্যমে পণ্যগুলি কিনবেন। এরপর খামারফ্রেশ বিনিয়োগকারীদের কাছ থেকে বাকিতে সেই পণ্যগুলি কিনবে এবং উল্লিখিত সময়সীমার মধ্যে অর্থ 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 KhamarFresh-এর কাছে বিক্রি করবে। biniyog.io ন্যূনতম ১০টি বিষয় বিবেচনা করার পর KhamarFresh-কে পণ্যগুলোর জন্য একটি মূল্য প্রস্তাব করেছে।%পণ্য সংগ্রহের প্রকৃত খরচের উপর মুনাফা। খামারফ্রেশ এতে সম্মত হয়েছে। বিনিয়োগকারীরা মোট মুনাফা পাবেন। ৮%বিনিয়োগকারীদের অর্থ পরিশোধের উপর biniyog.io-এর সাফল্য ফি বাদ দেওয়ার পরের লাভ। বিনিয়োগকারীরা নিম্নলিখিত কাঠামোতে তাদের রিটার্ন পাওয়ার আশা করতে পারেন: ২০২৭ সালের ফেব্রুয়ারীতে ১০০%",
  "fundUtilizationScope": {
    "bn": "প্রাণিসম্পদ",
    "en": "Livestock"
  },
  "protectionPoolChargeFee": [
    {
      "startingFrom": 5000,
      "protectionPoolFeeRate": 1
    },
    {
      "startingFrom": 100000,
      "protectionPoolFeeRate": 1.5
    }
  ],
  "previousRepaymentHistorySummary": "Business has completed 100% repayment of the first two campaigns on time."
}