{
  "riskGrade": "A",
  "fundRaised": 2661217,
  "highlights": [
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/eMartWay_SKincare_Limited/Cover.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/eMartWay_SKincare_Limited/emart_1.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/eMartWay_SKincare_Limited/emart_2.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/eMartWay_SKincare_Limited/emart_3.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/eMartWay_SKincare_Limited/emart_5.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/eMartWay_SKincare_Limited/emart_6.jpeg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/eMartWay_SKincare_Limited/emart_7.jpeg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/eMartWay_SKincare_Limited/emart_8.jpeg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/eMartWay_SKincare_Limited/emartway.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",
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  ],
  "shortIntro": "Offering 300+ branded skincare products, carefully curated to meet every skincare need.",
  "riskDetails": [
    {
      "text": "Supply Chain Disruptions: Dependence on a limited number of suppliers might disrupt the supply chain, which in turn may affect the ability to cope with the demand. Besides that, volatility in the prices of raw materials and the exchange rate of dollars may impact profit margins. 📌eMartWay Skincare’s Strategy: The business is collecting products from multiple authorized distributors of different brands. They have a good connection with the supply chain. As the business is selling premium products, a rise in the products will allow the business to increase the price of final products. Market Competition: There are many competitors in the skincare industry of BD. Intense competition may lead to price wars, which in turn may reduce the profit margins of the business 📌eMartWay Skincare’s Strategy: eMartWay has a strong presence in the online sector with a good amount of followers, making it quite trendy in the market with its app and website, making it accessible to all customers. Emartway has established itself by continuously stocking various products with high demand and good quality to maintain market share. The business is currently selling products of 200+ brands suited for a large customer base. Economic Downturns: Economic recessions in our country can impact consumer spending on non-essential items, affecting demand for luxury products. 📌eMartWay Skincare’s Strategy: eMartWay usually targets customers belonging to the middle class to upper-class people. This gives the business an edge over the pricing control resulting in stable sales and keeping a good margin. Product Safety: Issues such as allergic reactions, skin irritations, or adverse effects from product use can result in lawsuits, recalls, and negative publicity. 📌eMartWay Skincare’s Strategy: The business has a team of skin specialists with whom any customer can consult free of charge about what products will suit them. Besides that, the business has an efficient team for inventory management, responsible for stocking original products after thorough examinations.",
      "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. The products will then be handed over to eMartWay Skincare within a very short time frame. eMartWay would have the right to reject the product due to quality and other order specifications. The risk is expected to be minimal since eMartWay 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": "eMartWay Skincare will share installment cheques with biniyog.io. A guarantee security cheque will also be kept from the business owner. Additionally, the business will introduce two guarantors in the contract for adding an extra layer of security.",
      "type": "Security"
    }
  ],
  "businessName": "eMartWay Skincare Limited",
  "contractType": "MURABAHA",
  "projectFocus": "Skincare",
  "fundingTarget": 5000000,
  "fundProcessing": 115000,
  "projectedROIMax": 16.99899446387984,
  "projectedROIMin": 16.99899446387984,
  "ownerDetailsText": "Written by the business Aehtesham Siddik Aumee has been acting as the Managing Director of eMartWay Skincare Ltd since 2021. Currently, he is managing the whole company, working closely with the CRM and Marketing Team, communicating with the suppliers, and handling the financial sector. Mr. Aehtesham completed BSc in CSE from Bangladesh Army University of Science & Technology. He has been working as a Software Developer since 2012. He made various software such as Accounting, Inventory Management, and School Management. He also worked on the project of Hospital Management for the Combined Military Hospital (CMH) Saidpur (2019). He has been recognized as the Top Rated Software Provider of Upwork Inc which is an international marketplace",
  "maximumInvestment": 2500000,
  "minimumInvestment": 5000,
  "campaignRepayments": [
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-11-16T11:30:00.000Z",
      "instalmentNumber": 1,
      "minExpectedAmount": 580000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-12-16T11:30:00.000Z",
      "instalmentNumber": 2,
      "minExpectedAmount": 580000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-01-16T11:30:00.000Z",
      "instalmentNumber": 3,
      "minExpectedAmount": 580000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-02-16T11:30:00.000Z",
      "instalmentNumber": 4,
      "minExpectedAmount": 580000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-03-16T11:30:00.000Z",
      "instalmentNumber": 5,
      "minExpectedAmount": 580000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-04-16T11:30:00.000Z",
      "instalmentNumber": 6,
      "minExpectedAmount": 580000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-05-16T11:30:00.000Z",
      "instalmentNumber": 7,
      "minExpectedAmount": 580000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-06-16T11:30:00.000Z",
      "instalmentNumber": 8,
      "minExpectedAmount": 870000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-07-16T11:30:00.000Z",
      "instalmentNumber": 9,
      "minExpectedAmount": 870000
    }
  ],
  "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 (Murabaha) agreement. Approval from Scholars biniyog.io‘s Shariah advisors have approved the basis and application of this Bai’ Murabaha contract.",
  "businessDetailsText": "Value Propositions Serving a large customer base through the online segment. Currently selling over 300+ brands and 2000+ active SKUs all over Bangladesh. Has strong distribution channels and logistic partners. All cash transactions. Strong online presence. Introduction to the Business eMartWay Skincare is Bangladesh’s largest beauty e-commerce company of recommended high-end foreign Skincare Products. The company started its journey on 3rd November 2021. eMartWay Skincare is mainly a beauty skincare company that serves thousands of skin care products like moisturizing cream, facewash/cleanser, facial toner, facial serum, sunscreen, shampoo & conditioner, eye & lip care items, makeup items, etc. The company sells over 300+ brands and 2000+ active SKU’s all over Bangladesh. The company has strong distribution channels and logistic partners like Pathao, Redx, and Sundarban Courier to deliver the products nationwide. Since 2021 eMartWay Skincare has served a large customer base all over Bangladesh through its own sales channels. The company currently has its own customer care support center for dedicated customer support, and content creation teams for marketing activities. For online sales the company has its website and mobile app which are very popular in Bangladesh for beauty products among women. With the mission and vision of smart Bangladesh eMartWay Skincare is working restlessly to provide hassle-free online shopping experiences for urban and rural consumers. The company's vision is to provide authentic beauty skincare products and create awareness for various skin concerns like acne, melisma, and hair fall problems. Our dedicated skincare experts are working 24/7 to provide the best service to our consumers to ensure customer satisfaction and fulfill company goals. The business has fully repaid its first two campaigns and has completed 60% repayment of the third campaign. Based on its current repayment performance, the remaining balance is expected to be repaid on schedule. Office & Showroom: 15/1 15/2 Biswas Shawpnil Lift 7, Jigatola Bus Stand, Dhaka-1209. Explore: Website | Facebook | App FAQ: 💡 Is the business Shariah-compliant? The business model (selling skincare and 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 12 months, from August 2026 to July 2027 Projected ROI (Return on Investment) Projected Return on Investment (ROI): 16% biniyog will charge a 2.5210% success fee on the repayment amount. Example: If an investor invests BDT 100,000, is expected to make a profit of BDT 19,000 in the mentioned duration; biniyog.io will charge a 2.5210% success fee on the repayment amount meaning BDT 3,000 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 Murabaha agreement (sale contract) with eMartWay Skincare for purchasing skincare and makeup products. It will be a “buy-and-sell” process where investors will first buy the products through biniyog.io. eMartWay Skincare will then buy those items from investors on credit and pay the amount after 12 months. 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 eMartWay Skincare. biniyog.io has proposed a price to eMartWay Skincare for the products after considering a minimum 19% profit on the actual cost of product procurement. eMartWay Skincare has agreed to it. Investors will be getting a net of 16% profit after deducting biniyog.io’s success fee on investor profit. Investors can expect to get their returns over the mentioned period in the following structure: 🗓️ 10% by Jan’ 2027 🗓️ 30% by April 2027 🗓️ 60% by the third week of July 2027 বিনিয়োগের সময়কাল এই বিনিয়োগটি আগস্ট ২০২৬ থেকে জুলাই ২০২৬ পর্যন্ত ১২ মাসের জন্য করা হয়েছে। প্রত্যাশিত ROI (বিনিয়োগের উপর রিটার্ন) বিনিয়োগ থেকে প্রত্যাশিত আয় (ROI): ১৬% বিনিয়োগ পরিশোধিত অর্থের উপর ২.৫২১০% সফলতা ফি ধার্য করবে। উদাহরণ: যদি কোনো বিনিয়োগকারী ১,০০,০০০ টাকা বিনিয়োগ করেন এবং উল্লিখিত সময়কালে ১৯,০০০ টাকা লাভ করার প্রত্যাশা করেন; তাহলে biniyog.io পরিশোধিত অর্থের উপর ২.৫২১০% সাকসেস ফি ধার্য করবে, অর্থাৎ সাকসেস ফি হিসাবে ৩,০০০ টাকা কেটে নেওয়া হবে। এর মানে হলো, বিনিয়োগকারীরা নিট লাভ হিসাবে ১৬,০০০ টাকা রাখতে পারবেন। biniyog.io-এর সাকসেস ফি বাদ দেওয়ার পর বিনিয়োগকারীদের নিট ROI হবে ১৬%। . চুক্তির শর্ত বিনিয়োগকারীরা একটি মুরাবাহা চুক্তিতে (বিক্রয় চুক্তি) প্রবেশ করবে ইমার্টওয়ে স্কিনকেয়ারত্বকের যত্ন ও মেকআপ পণ্য কেনার জন্য। এটি একটি \"ক্রয়-বিক্রয়\" প্রক্রিয়া হবে যেখানে বিনিয়োগকারীরা প্রথমে পণ্যগুলি ক্রয় করবে biniyog.io. ইমার্টওয়ে স্কিনকেয়ারএরপর বিনিয়োগকারীদের কাছ থেকে বাকিতে সেই পণ্যগুলো ক্রয় করা হবে এবং ১২ মাস পর মূল্য পরিশোধ করা হবে। biniyog.ioবিনিয়োগকারীদের প্রতিনিধি হিসেবে কাজ করবে এবং পণ্যগুলো ক্রয় করবে, তাদের পক্ষে সম্পদের প্রয়োজনীয় মালিকানা ও দখলের ঝুঁকি গ্রহণ করবে, এবং তারপর বিক্রি করবে। ইমার্টওয়ে স্কিনকেয়ার. biniyog.ioএকটি মূল্য প্রস্তাব করেছে ইমার্টওয়ে স্কিনকেয়ারপণ্য সংগ্রহের প্রকৃত খরচের উপর ন্যূনতম ১৯% মুনাফা বিবেচনা করার পর পণ্যগুলোর জন্য। ইমার্টওয়ে স্কিনকেয়ারএতে সম্মত হয়েছে। বিনিয়োগকারীরা পাবেন একটি ১৬% মুনাফা বাদ দিয়েবাদ দেওয়ার পরে biniyog.io’sবিনিয়োগকারীর লাভের উপর সাফল্য ফি। বিনিয়োগকারীরা উল্লিখিত সময়কালে নিম্নলিখিত কাঠামোতে তাদের রিটার্ন পাওয়ার আশা করতে পারেন: ২০২৭ সালের জানুয়ারির মধ্যে ১০% ২০২৭ সালের এপ্রিলের মধ্যে ৩০% ২০২৭ সালের জুলাই মাসের তৃতীয় সপ্তাহের মধ্যে ৬০%",
  "fundUtilizationScope": {
    "bn": "প্রসাধনী সামগ্রী",
    "en": "Skincare Items"
  },
  "protectionPoolChargeFee": [
    {
      "startingFrom": 4400,
      "protectionPoolFeeRate": 1
    },
    {
      "startingFrom": 100000,
      "protectionPoolFeeRate": 1.5
    }
  ],
  "previousRepaymentHistorySummary": "The business has fully repaid its first two campaigns and has completed 60% repayment of the third campaign. Based on its current repayment performance, the remaining balance is expected to be repaid on schedule."
}