{
  "riskGrade": "B",
  "fundRaised": 0,
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  "shortIntro": "Bangladesh's premium innerwear & personal care brand, trusted by 245K+ Facebook followers.",
  "riskDetails": [
    {
      "text": "Supply Chain & Sourcing Dependency: Care Me relies on local factories, vendors, and importers for product sourcing, which exposes the business to stock shortages, quality inconsistency, and vendor-side price increases — particularly for imported components that pass through customs and currency conversion. 📌Care Me's strategy: The business will use the new financing to diversify across multiple vendors and factories rather than concentrating on a single source, maintain safety stock for its top-selling SKUs, and build direct relationships with manufacturers to secure priority allocation and more stable pricing. Intense Competition & Price Wars: Bangladesh's e-commerce and personal care space includes large marketplaces, social-commerce resellers, and low-cost informal sellers who can undercut on price, eroding margins and customer loyalty 📌Care Me's strategy: Care Me differentiates through category focus (innerwear, grooming, and personal comfort rather than a general catalog), curated product quality not easily replicated by informal resellers, and a repeat-customer base built on consistent product and delivery experience rather than one-time discount-driven sales. Digital Marketing Dependency & Rising Customer Acquisition Cost (CAC): As a digital-first brand built on social media sales and online campaigns, Care Me is exposed to rising ad costs, platform algorithm changes, and increasing CAC as competition for the same customer base grows. 📌Care Me's strategy: Care Me leans on its repeat customer rate and organic word-of-mouth to reduce reliance on paid acquisition over time, and continuously tests and reallocates ad spend toward its best-performing categories and campaigns rather than broad, undifferentiated marketing. Inventory & Working Capital Management Risk): Scaling inventory purchases without precise demand forecasting risks overstocking slow-moving items or understocking fast-moving ones, tying up capital inefficiently — a key risk given the funding is specifically earmarked for inventory expansion. 📌Care Me's strategy: Care Me uses its existing sales data from their ERP software to identify proven, fast-moving categories and will prioritize new financing toward these validated winners first, expanding into new categories incrementally and only after demand signals are confirmed.",
      "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. Care Me Global would have the right to reject the products due to quality etc. The risk is expected to be minimal since care me global 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": "Care Me Global 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": "Fortune Tech",
  "contractType": "MURABAHA",
  "projectFocus": "Personal Care",
  "fundingTarget": 1500000,
  "fundProcessing": 50024,
  "projectedROIMax": 5.999699347046532,
  "projectedROIMin": 5.999699347046532,
  "ownerDetailsText": "Written by the business I am Anisul Islam, an EEE graduate from KUET and an MBA from IBA, with a strong background in business, digital marketing, and e-commerce growth. I started my entrepreneurial journey through digital marketing and online business, working with performance-based campaigns, customer acquisition, and product sales. My connection with Care Me comes from my experience in identifying customer demand, sourcing practical lifestyle products, and scaling them through online channels. Currently, I am leading Care Me as a premium innerwear and personal care online brand in Bangladesh, focusing on men’s underwear, women’s innerwear, grooming, and accessories. My future vision is to build Care Me into a trusted national brand for premium everyday essentials, with strong product quality, better sourcing, reliable delivery, and a loyal customer base across Bangladesh",
  "maximumInvestment": 450000,
  "minimumInvestment": 5000,
  "campaignRepayments": [
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-12-26T11:30:00.000Z",
      "instalmentNumber": 1,
      "minExpectedAmount": 1585000
    }
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  "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 Curated innerwear, grooming, and personal care essentials that match international quality standards but at prices affordable for everyday Bangladeshi consumers. Order from home, pay cash on delivery, get nationwide delivery — removing the trust barrier and logistics friction that typically block online adoption in this category. A strong Facebook presence with 245.7K+ followers. Focused exclusively on innerwear, grooming, and personal comfort rather than being a generalist reseller, which builds category authority and customer confidence (especially relevant for a category where quality/comfort trust matters more than for typical e-commerce goods). Introduction to the Business Care Me is a premium innerwear and personal care online brand in Bangladesh, offering carefully selected products across men’s innerwear, grooming, and accessories. The business started as a digital-first e-commerce venture, built through online marketing, social media sales, and direct customer orders, with a focus on practical, comfortable, and quality lifestyle essentials. Care Me earns revenue by sourcing high-demand products at competitive costs and selling them directly to customers through its website and online channels, mainly through cash-on-delivery and nationwide delivery. Its key strength is the ability to identify fast-moving product categories, create strong digital campaigns, and serve customers with affordable premium products that are not easily available in the regular local market. What makes Care Me special is its focused positioning around innerwear, grooming, and personal comfort instead of selling random products only. The brand is building a trusted online destination for everyday premium essentials, combining product quality, affordability, convenience, and customer-focused delivery. In 2025, Care Me showed strong business traction, with 85,000+ orders delivered, 75,000+ customers served, a 23% repeat customer rate, and an average order value of around 950 BDT. These numbers show that the business has existing customer demand, repeat buying behavior, and the potential to scale further with proper inventory support Explore: Facebook FAQ: 💡 Is the business Shariah-compliant? The business model (selling innerwear and adultcare 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 4 months, from August 2026 to December 2027. Projected ROI (Return on Investment) Projected Return on Investment (ROI): 17% (Annualized) Projected Return on Investment (ROI): 5.67% (At Actual) biniyog.io will be charging investors a 0.94% success fee after successful repayments. Example: If an investor invests BDT 100,000, is expected to make a profit of BDT 6,667 in 4 months; biniyog.io will charge a 0.94% on the repayment amount meaning BDT 1000 will be deducted as the success fee. This means investors will be keeping BDT 5,667 as net profit. The net ROI for the investors will be 5.67% over 4 months after deducting biniyog.io’s success fee. Contract Condition Investors will go into a Murabaha agreement (sale contract) with Care Me Global. It will be a “buy-and-sell” contract, where Care Me Global will be buying innerwear 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 Care Me Global. biniyog.io has proposed a price to Care Me Global for the products after considering a minimum 6.67% profit on the actual cost of product procurement and Care Me Global has agreed to it. Investors will be getting a net of 5.67% profit after deducting biniyog.io‘s success fee on repayment. Investors can expect to get their returns over the mentioned period in the following structure: 🗓️ 100% by December’2026 বিনিয়োগের সময়কাল এই বিনিয়োগটি আগস্ট ২০২৬ থেকে ডিসেম্বর ২০২৭ পর্যন্ত, সর্বোচ্চ ৪ মাসের জন্য প্রযোজ্য। প্রত্যাশিত ROI (বিনিয়োগের উপর রিটার্ন) বিনিয়োগে প্রত্যাশিত আয় (ROI): ১৭% (বার্ষিক) বিনিয়োগের উপর প্রত্যাশিত রিটার্ন (ROI): ৫.৬৭% (প্রকৃত ভিত্তিতে) সফলভাবে অর্থ পরিশোধের পর biniyog.io বিনিয়োগকারীদের কাছ থেকে ০.৯৪% সফলতা ফি নেবে।. উদাহরণ: যদি কোনো বিনিয়োগকারী ১,০০,০০০ টাকা বিনিয়োগ করেন এবং ৪ মাসে ৬,৬৬৭ টাকা লাভ করার প্রত্যাশা করেন; তাহলে biniyog.io পরিশোধিত অর্থের উপর ০.৯৪% চার্জ করবে, অর্থাৎ সফলতার ফি হিসাবে ১,০০০ টাকা কেটে নেওয়া হবে। এর মানে হলো, বিনিয়োগকারীরা নিট লাভ হিসাবে ৫,৬৬৭ টাকা রাখবেন। biniyog.io-এর সফলতার ফি বাদ দেওয়ার পর, ৪ মাসে বিনিয়োগকারীদের নিট ROI হবে ৫.৬৭%। চুক্তির শর্ত বিনিয়োগকারীরা কেয়ার মি গ্লোবালের সাথে একটি মুরাবাহা চুক্তিতে (বিক্রয় চুক্তি) আবদ্ধ হবেন। এটি একটি \"ক্রয়-বিক্রয়\" চুক্তি হবে, যেখানে কেয়ার মি গ্লোবাল বিনিয়োগকারীদের কাছ থেকে বর্ধিত মূল্যে অন্তর্বাস 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 কেয়ার মি গ্লোবাল-এর কাছে তা বিক্রি করবে। biniyog.io পণ্য সংগ্রহের প্রকৃত খরচের উপর ন্যূনতম ৬.৬৭% মুনাফা বিবেচনা করে Care Me Global-কে পণ্যগুলোর জন্য একটি মূল্য প্রস্তাব করেছে এবং Care Me Global তাতে সম্মত হয়েছে। অর্থ পরিশোধের সময় biniyog.io-এর সাকসেস ফি বাদ দেওয়ার পর বিনিয়োগকারীরা মোট ৫.৬৭% মুনাফা পাবেন। বিনিয়োগকারীরা উল্লিখিত সময়কালে নিম্নলিখিত কাঠামোতে তাদের রিটার্ন পাওয়ার আশা করতে পারেন: 🗓️ 2026 সালের ডিসেম্বরের মধ্যে 100%",
  "fundUtilizationScope": {
    "bn": "পোশাক",
    "en": "Clothing"
  },
  "protectionPoolChargeFee": [],
  "previousRepaymentHistorySummary": null
}