{
  "riskGrade": "A",
  "fundRaised": 3942048,
  "highlights": [
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  ],
  "shortIntro": "Tech retailer with sole distributorship, B2B sales and 3 physical outlets.",
  "riskDetails": [
    {
      "text": "Heavy competition in the tech market space:: There are many big players in the tech market of Bangladesh. If the business fails to keep up with such intensive market competition, their overall revenue is much likely to take a significant hit. 📌Blisstyle Electronics’s strategy: The business was one of the first-movers in Bangladesh for bringing in budget segment mechanical keyboards in Bangladesh back in 2020. Most of the big market players were selling only high-end mechanical keyboards back then. Moreover, the business has sole distributorship (in Bangladesh) of Thunderobot, Dareu, Monka, E-Yooso, Yeston which enables them to avail special offers from the manufacturing companies. Failure to keep up with market-clicking products: The tech product market is an ever changing space. Sellers have to race with the competitors to provide a product that customers will pick over all the other products. If the business bulk on a product that might not be well-received by the customers, it will significantly impact their revenue resulting in hurting the overall margins 📌Blisstyle Electronics’s strategy: The business is the sole distributor of some good tech-product brands. This enables them to offer new, best-selling & unique products to customers (both B2B and B2C) at good prices. Moreover, the owner of the business handles the procurement himself. His experience level of over 4 years in this arena enables him to conduct proper market analysis and choose products that have the highest potential to grab convertible attention of the consumers. Product loss during shipment from abroad: Blisstyle Electronics deals heavily in imported products (directly purchased from the manufacturer). Products can get damaged during shipment resulting in significant loss for the business. 📌Blisstyle Electronics’s strategy: Blisstyle Electronics has a strong shipper network due to their footing in this market for over 5 years. This enables them to ensure a smooth shipment of products.",
      "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 above mentioned risks plays a significant part.",
      "type": "Payment Delay"
    },
    {
      "text": "biniyog.io will buy the products on behalf of investors first and secure ownership. Blisstyle Electronics would have the right to reject the products due to quality etc. The risk is expected to be minimal since Blisstyle Electronics will choose the items before biniyog.io buys them. This is a necessary risk to ensure Shariah compliance of the transaction This is a necessary risk to ensure Shariah compliance of the transaction.",
      "type": "Possession of assets"
    },
    {
      "text": "Blisstyle Electronics will share a personal guarantee security cheque with biniyog.io. Moreover, one or more guarantors will be introduced in the contract to add an extra layer of security for the investors.",
      "type": "Security"
    }
  ],
  "businessName": "Blisstyle Electronics",
  "contractType": "MURABAHA",
  "projectFocus": "Computer accessories & gadgets",
  "fundingTarget": 10000000,
  "fundProcessing": 461300,
  "projectedROIMax": 17.99999775000028,
  "projectedROIMin": 17.99999775000028,
  "ownerDetailsText": "Written by the business I passed S.S.C. from Sher-E-Bangla Govt High School, H.S.C. from Dhaka City College, BBA from East-West University and MBA from East-West University as well, majoring in HRM and Marketing. I have worked as an officer at the largest consultancy firm in Bangladesh for a Rohingya Project under World Bank and Local Govt Department. But due to my passion toward building a business, I left my job to become an entrepreneur. As a former competitive gamer who participated at the top level competitions in Bangladesh, I have always been interested in tech products. I also built up connections in this sector by working with large tech companies for sponsorship and other events. This helped me to identify the gaps in our market between customer demand and product availability. I started my business with the vision to provide Value-For-Money products to mass consumers and make luxury tech products more affordable. Alhamdulillah I have come a long way towards fulfilling that. Now, my vision is to reach the top of this sector in Bangladesh and start working on a global scale InShaAllah",
  "maximumInvestment": 5000000,
  "minimumInvestment": 5000,
  "campaignRepayments": [
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-12-17T11:30:00.000Z",
      "instalmentNumber": 1,
      "minExpectedAmount": 1276000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-01-17T11:30:00.000Z",
      "instalmentNumber": 2,
      "minExpectedAmount": 1276000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-02-17T11:30:00.000Z",
      "instalmentNumber": 3,
      "minExpectedAmount": 1276000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-03-17T11:30:00.000Z",
      "instalmentNumber": 4,
      "minExpectedAmount": 1276000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-04-17T11:30:00.000Z",
      "instalmentNumber": 5,
      "minExpectedAmount": 1276000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-05-17T11:30:00.000Z",
      "instalmentNumber": 6,
      "minExpectedAmount": 1276000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-06-17T11:30:00.000Z",
      "instalmentNumber": 7,
      "minExpectedAmount": 1276000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-07-17T11:30:00.000Z",
      "instalmentNumber": 8,
      "minExpectedAmount": 1276000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-08-17T11:30:00.000Z",
      "instalmentNumber": 9,
      "minExpectedAmount": 1392000
    }
  ],
  "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 One of the largest sellers of budget and high end mechanical keyboards in Bangladesh. Distributor of Thunderobot, Dareu, Yeston and Durgod in Bangladesh. Strong online presence along with 2 flagship stores & 1 retail outlet. Generating revenue from both B2B & B2C channels. Introduction to the Business Blisstyle Electronics is one of the fastest growing tech retailers in Bangladesh. Started in mid 2020, amid covid restrictions, Blisstyle took the computer peripherals scene to new heights in Bangladesh. Working as Authorized Distributor of multiple global companies, Blisstyle has created a huge sales channel across the country, ensuring hefty profit margins every month. We are one of the largest mechanical keyboard importers in the country, working with the goal of making mechanical keyboards and other peripherals affordable for everyone. Currently, we are working on improving our retail scene. With the investment from Biniyog's platform we will be increasing our product lineup of computer components. They have repaid 100% of their first campaign on time. They have also completed 75% of repayment of their second campaign with the last repayment to be settled on the scheduled date. The second repayment was delayed for the second campaign with the last installment scheduled to be settled by early July 2026. It is to be noted that the business faced a big loss due to the unavoidable Dhaka airport fire incident which made a notable negative impact in their working capital and supply chain management. The business tried their best to complete the due repayments despite facing such difficulties. Address: Flagship Store 1: Shop 539-40, Police Plaza Concord Mall, Gulshan-1. Flagship Store 2: Shop 347, Multiplan Center, New Elephant Road. Retail Store: Shop 826, Multiplan Center, New Elephant Road. RMA center: Suite 1116, Multiplan Center, New Elephant Road. Office: suite 1121, Multiplan Center, New Elephant Road Explore: Facebook | Website | Instagram FAQ: 💡 Is the business Shariah-compliant? The business model (selling computer accessories, gears and hardware) 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 12.5 months, expected from August 2026 to the third week of August 2027. If everything goes smoothly, it may be completed as early as 12 months, by the beginning of August 2027. Projected ROI (Return on Investment) Projected ROI (for the duration of the project): 16% Projected ROI (annualized): 16% Example: If someone invests BDT 100,000 in the project, he/she can expect to receive a total of BDT 116,000 at the mentioned time. biniyog will charge a 1.69% success fee on the repayment amount. Example: If an investor invests BDT 100,000, is expected to make a profit of BDT 18,000 in the mentioned duration; biniyog.io will charge a 1.69% success fee on the repayment amount meaning BDT 2,000 will be deducted as the success fee. This means investors will be keeping BDT 16,000 as net profit. The net ROI of the investors will be 16% after deducting biniyog.io’s success fee. Contract Condition Investors will go into a Murabahah agreement (sale contract) with Blisstyle Electronics for mainly purchasing computer accessories, hardware and other similar items. It will be a “buy-and-sell” process where investors will first buy products through biniyog.io. Blisstyle Electronics 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 Blisstyle Electronics. biniyog.io has proposed a price to Blisstyle Electronics for the products after considering a minimum 18% profit on the actual cost of product procurement. Blisstyle Electronics has agreed to it. Investors will be getting a net of 16% 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: 🗓️ 33% by April 2027 🗓️ 33% by July 2027 🗓️ 34% by the third week of August 2027 বিনিয়োগের সময়কাল এই বিনিয়োগটি সর্বোচ্চ সাড়ে ১২ মাসের জন্য, যা আগস্ট ২০২৬ থেকে আগস্ট ২০২৭-এর তৃতীয় সপ্তাহ পর্যন্ত চলবে বলে আশা করা হচ্ছে। সবকিছু ঠিকঠাক চললে, এটি আগস্ট ২০২৭-এর শুরুতেই, অর্থাৎ মাত্র ১২ মাসের মধ্যে সম্পন্ন হতে পারে। প্রত্যাশিত ROI (বিনিয়োগের উপর রিটার্ন) প্রত্যাশিত বিনিয়োগ ফেরত (প্রকল্পের সময়কালের জন্য): ১৬% প্রত্যাশিত বিনিয়োগ ফেরত (বার্ষিক): ১৬% উদাহরণ: যদি কেউ প্রকল্পে ১,০০,০০০ টাকা বিনিয়োগ করেন, তবে তিনি উল্লিখিত সময়ে মোট ১,১৬,০০০ টাকা পাওয়ার আশা করতে পারেন। বিনিয়োগ পরিশোধিত অর্থের উপর ১.৬৯% সফলতা ফি ধার্য করবে। উদাহরণ: যদি কোনো বিনিয়োগকারী ১,০০,০০০ টাকা বিনিয়োগ করেন এবং উল্লিখিত মেয়াদে ১৮,০০০ টাকা লাভ করার প্রত্যাশা করেন; তাহলে biniyog.io পরিশোধিত অর্থের উপর ১.৬৯% সাকসেস ফি ধার্য করবে, অর্থাৎ সাকসেস ফি হিসাবে ২,০০০ টাকা কেটে নেওয়া হবে। এর মানে হলো, বিনিয়োগকারীরা নিট লাভ হিসাবে ১৬,০০০ টাকা রাখবেন। biniyog.io-এর সাকসেস ফি বাদ দেওয়ার পর বিনিয়োগকারীদের নিট ROI হবে ১৬%। চুক্তির শর্ত বিনিয়োগকারীরা প্রধানত কম্পিউটার অ্যাক্সেসরিজ, হার্ডওয়্যার এবং অন্যান্য অনুরূপ সামগ্রী ক্রয়ের জন্য ব্লিসস্টাইল ইলেকট্রনিক্স-এর সাথে একটি মুরাবাহা চুক্তিতে (বিক্রয় চুক্তি) আবদ্ধ হবেন। এটি একটি \"ক্রয়-বিক্রয়\" প্রক্রিয়া হবে যেখানে বিনিয়োগকারীরা প্রথমে এর মাধ্যমে পণ্য ক্রয় করবে biniyog.ioএরপর ব্লিসস্টাইল ইলেকট্রনিক্স বিনিয়োগকারীদের কাছ থেকে বাকিতে সেই পণ্যগুলো ক্রয় করবে এবং উল্লিখিত সময়সীমার মধ্যে 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 Blisstyle Electronics-এর কাছে তা বিক্রি করবে। biniyog.io পণ্য সংগ্রহের প্রকৃত খরচের উপর ন্যূনতম ১৮% মুনাফা বিবেচনা করে Blisstyle Electronics-কে পণ্যগুলির জন্য একটি মূল্য প্রস্তাব করেছে। Blisstyle Electronics এতে সম্মত হয়েছে। বিনিয়োগকারীদের লাভের উপর biniyog.io-এর পরিষেবা চার্জ বাদ দেওয়ার পর বিনিয়োগকারীরা মোট ১৬% লাভ পাবেন। বিনিয়োগকারীরা উল্লিখিত সময়কালে নিম্নলিখিত কাঠামোতে তাদের রিটার্ন পাওয়ার আশা করতে পারেন: ২০২৭ সালের এপ্রিলের মধ্যে ৩৩% ২০২৭ সালের জুলাইয়ের মধ্যে ৩৩% ২০২৭ সালের আগস্ট মাসের তৃতীয় সপ্তাহের মধ্যে ৩৪%",
  "fundUtilizationScope": {
    "bn": "কম্পিউটার অ্যাক্সেসরিজ ও গ্যাজেটস",
    "en": "Computer accessories & gadgets"
  },
  "protectionPoolChargeFee": [
    {
      "startingFrom": 4400,
      "protectionPoolFeeRate": 1
    },
    {
      "startingFrom": 100000,
      "protectionPoolFeeRate": 1.5
    }
  ],
  "previousRepaymentHistorySummary": "The business repaid Campaign 1 on time. During the Campaign 2, the business suffered a big loss due to the airport cargo fire incident. Despite that, they've already repaid 75% of dues till date with only a 5 days delay of partial amount in one of the installments."
}