{
  "riskGrade": "B+",
  "fundRaised": 1227861,
  "highlights": [
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    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/TYLO/TYLO_(1).jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/2.jpg",
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    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/5.jpg",
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    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/8.jpg",
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  ],
  "shortIntro": "Fulfilling 900-1000 orders almost every month, a growing plus-size brand.",
  "riskDetails": [
    {
      "text": "Raw Material Price Volatility: TYLO buys all its fabrics from local suppliers in Bangladesh. If fabric prices go up due to inflation or market shortages, it could increase the production costs and reduce profit margins. 📌TYLO’s strategy: The business has long-standing relationships with local suppliers and forecasts demand in advance. This allows TYLO to purchase in bulk when prices are low and avoid sudden cost hikes. Changing Fashion Trends: If the brand fails to adapt to changing customer preferences, it risks holding unsold inventory or losing market relevance. 📌TYLO’s Strategy: TYLO keeps close communication with its customer base and follows fashion trends within the plus-size community. Regular product updates and direct feedback loops help TYLO stay aligned with market demand and avoid overproduction. Supply Chain Disruptions: Local issues like transport strikes, factory delays, or vendor problems can slow down production and deliveries, especially for large orders. 📌TYLO’s Strategy: TYLO works with multiple suppliers and production partners to avoid over-reliance on any single source. They also maintain backup inventory and adjust production schedules quickly if needed.",
      "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. TYLO would have the right to reject the products due to quality etc. The risk is expected to be minimal since TYLO 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": "TYLO will share a security cheque. Additionally, two guarantors will be introduced in the contract by the business to add an extra layer of safety for the investors.",
      "type": "Security"
    }
  ],
  "businessName": "TYLO",
  "contractType": "MURABAHA",
  "projectFocus": "Clothing",
  "fundingTarget": 2000000,
  "fundProcessing": 553739,
  "projectedROIMax": 17.999,
  "projectedROIMin": 17.999,
  "ownerDetailsText": "Written by the business Md. Rasel Sheikh, the Founder & CEO of TYLO, began his entrepreneurial journey while pursuing his undergraduate studies in Entrepreneurship at Daffodil International University. Driven by a passion for inclusive fashion and a deep understanding of underserved customer needs, he started TYLO to empower plus-size individuals with stylish, comfortable clothing. Under his leadership, TYLO has grown into a promising lifestyle brand with stable sales and a loyal customer base. Mr. Rasel aims to launch Bangladesh’s first e-tailoring platform to create employment for underprivileged women and promote sustainable fashion using garment waste.",
  "maximumInvestment": 600000,
  "minimumInvestment": 5000,
  "campaignRepayments": [
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-11-06T11:30:00.000Z",
      "instalmentNumber": 1,
      "minExpectedAmount": 146250
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-12-07T11:30:00.000Z",
      "instalmentNumber": 2,
      "minExpectedAmount": 146250
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-01-06T11:30:00.000Z",
      "instalmentNumber": 3,
      "minExpectedAmount": 146250
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-02-06T11:30:00.000Z",
      "instalmentNumber": 4,
      "minExpectedAmount": 146250
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-03-09T11:30:00.000Z",
      "instalmentNumber": 5,
      "minExpectedAmount": 351000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-04-06T11:30:00.000Z",
      "instalmentNumber": 6,
      "minExpectedAmount": 731250
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-05-07T11:30:00.000Z",
      "instalmentNumber": 7,
      "minExpectedAmount": 245700
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-06-06T11:30:00.000Z",
      "instalmentNumber": 8,
      "minExpectedAmount": 146250
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-07-07T11:30:00.000Z",
      "instalmentNumber": 9,
      "minExpectedAmount": 146250
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-08-06T11:30:00.000Z",
      "instalmentNumber": 10,
      "minExpectedAmount": 134550
    }
  ],
  "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 Bai’ Murabaha contract.",
  "businessDetailsText": "Value Propositions Focuses on the hard-to-find plus-size clothing market in Bangladesh. Strong online presence Backed by experienced leadership and venture capital investment. Introduction to the Business Since its inception in 2022, TYLO has been working to address the lack of accessible and well-fitting clothing for plus-size individuals in Bangladesh. Founded by Md. Rasel Sheikh, the brand emerged from his long-standing interest in entrepreneurship and a desire to create positive lifestyle changes for people often overlooked by mainstream fashion. Since its inception, TYLO has steadily scaled its sales through a strong online presence without relying on any physical showroom, gradually establishing itself in the plus-size clothing market. In late 2023, the company received investment from Bangladesh Venture Capital, helping it strengthen operations and focus on product development. TYLO is currently looking to raise funds to purchase fabrics and accessories for catering their expected spike of demands mainly during the two Eid seasons in 2027 along with their regular monthly demands. The business has completed all of their repayments on time. Warehouse & Office Address: 3rd Floor, 23-1 Shah Ali bag (beside on Takwaya Masjid Salimuddin market) Mirpur -1 Explore: Facebook | Website FAQ: 💡 Is the business Shariah-compliant? The business model (selling shirts,t-shirts, punjabi,etc.) 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 12 months, from July 2026 to the first week of August 2027. Projected ROI (Return on Investment) Projected Return on Investment (ROI): 17% biniyog will charge a 2.5% success fee on the repayment amount. Example: If an investor invests BDT 1,00,000, is expected to make a profit of 20,000 in the mentioned duration; biniyog.io will charge a 2.5% success fee on the repayment amount meaning 3,000 will be deducted as the success fee. This means investors will be keeping 17,000 as net profit. The net ROI of the investors will be 17.00% after deducting biniyog.io’s success fee. Contract Condition Investors will go into a Murabaha agreement (sale contract) with TYLO. It will be a “buy-and-sell” contract, where TYLO will be buying polo t-shirts, fabrics & accessories 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 and take necessary ownership and risk of asset possession on their behalf, and then sell to TYLO. biniyog.io has proposed a price to TYLO for the products after considering a minimum 20% profit on the actual cost of product procurement and TYLO has agreed to it. Investors will be getting a net of 17% profit after deducting biniyog.io‘s service charge on investor profit. Investors can expect to get their returns over the mentioned period in the following structure: 🗓️ 12.5% in Jan’ 2027 🗓️ 27.5% in Apr’ 2027 🗓️ 60% by early August’ 2027 বিনিয়োগের সময়কাল এই বিনিয়োগটি জুলাই ২০২৬ থেকে আগস্ট ২০২৭-এর প্রথম সপ্তাহ পর্যন্ত, অর্থাৎ সর্বোচ্চ ১২ মাসের জন্য প্রযোজ্য। প্রত্যাশিত ROI (বিনিয়োগের উপর রিটার্ন) বিনিয়োগের প্রত্যাশিত রিটার্ন (ROI): ১৭% বিনিয়োগ পরিশোধিত অর্থের উপর ২.৫% সফলতা ফি ধার্য করবে। উদাহরণ: যদি কোনো বিনিয়োগকারী ১,০০,০০০ টাকা বিনিয়োগ করেন এবং উল্লিখিত সময়ের মধ্যে ২০,০০০ টাকা লাভ করার প্রত্যাশা করেন; তাহলে biniyog.io পরিশোধিত অর্থের উপর ২.৫% সাকসেস ফি ধার্য করবে, অর্থাৎ সাকসেস ফি হিসাবে ৩,০০০ টাকা কেটে নেওয়া হবে। এর মানে হলো, বিনিয়োগকারীরা নীট লাভ হিসাবে ১৭,০০০ টাকা রাখবেন। biniyog.io-এর সাকসেস ফি বাদ দেওয়ার পর বিনিয়োগকারীদের নীট ROI হবে ১৭.০০%। চুক্তির শর্ত বিনিয়োগকারীরা TYLO-এর সাথে একটি মুরাবাহা চুক্তি (বিক্রয় চুক্তি) করবেন। এটি একটি \"ক্রয়-বিক্রয়\" চুক্তি হবে, যেখানে টাইলো বিনিয়োগকারীদের কাছ থেকে বর্ধিত মূল্যে পোলো টি-শার্ট, কাপড় 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 করে সম্পদের প্রয়োজনীয় মালিকানা ও দখলের ঝুঁকি গ্রহণ করবে, এবং তারপর TYLO-এর কাছে তা বিক্রি করবে। biniyog.io পণ্য সংগ্রহের প্রকৃত খরচের উপর ন্যূনতম ২০% মুনাফা বিবেচনা করে TYLO-কে পণ্যগুলির জন্য একটি মূল্য প্রস্তাব করেছে এবং TYLO তাতে সম্মত হয়েছে। বিনিয়োগকারীরা তাদের লাভের উপর biniyog.io-এর পরিষেবা চার্জ বাদ দেওয়ার পর নিট ১৭% লাভ পাবেন। বিনিয়োগকারীরা উল্লিখিত সময়কালে নিম্নলিখিত কাঠামোতে তাদের রিটার্ন পাওয়ার আশা করতে পারেন: 🗓️ ১২.৫%জানুয়ারিতে২০২৭ ২০২৭ সালের এপ্রিলে ২৭.৫% ২০২৭ সালের আগস্টের শুরুতে ৬০%",
  "fundUtilizationScope": {
    "bn": "পোশাক",
    "en": "Clothing"
  },
  "protectionPoolChargeFee": [
    {
      "startingFrom": 5000,
      "protectionPoolFeeRate": 1
    },
    {
      "startingFrom": 100000,
      "protectionPoolFeeRate": 1.5
    }
  ],
  "previousRepaymentHistorySummary": "The business completed all repayments on time during its first campaign."
}