{
  "riskGrade": "B+",
  "fundRaised": 2918666,
  "highlights": [
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    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Ad-din_Organic_Shop/Ad-deen_1.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Ad-din_Organic_Shop/Ad-deen_2.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Ad-din_Organic_Shop/Ad-deen_3.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Ad-din_Organic_Shop/Ad-deen_4.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Ad-din_Organic_Shop/PHOTO-2026-01-08-14-14-41.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Ad-din_Organic_Shop/PHOTO-2026-01-08-14-14-40.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": "Wholesaling to 5+ repeat bulk buyers, driving consistent volume and revenue.",
  "riskDetails": [
    {
      "text": "Dependency on credit sales: The business has to rely on some of its verified customers by granting them a short window of credit. This can result in significant delays as the customers do not maintain the time limit of the credit window. This might result in delays in repayments for the investors. 📌Ad-deen Food’s strategy: The business grants a considerably short period of credit facility only to a selective bunch of customers who have a good transaction history with the business. Supply Chain Disruptions & Production Shortage: The availability of good quality honey could be disrupted due to factors like price fluctuations, supply conditions, or geopolitical issues. Production shortage often destabilizes the market and wholesalers can face product shortage which will ultimately result in hurting their overall margin. 📌Ad-deen Food’s strategy: The business has built a good level of connections with many honey producers and collectors for different types of honey. This helps the business to enjoy information advantages. Moreover, the owner’s significant level of experience in this industry has helped shape a good sourcing channel over the years. This will mitigate such issues to a tolerable point. Economic downturn & inflation: Overall consumer spending in our economy can shrink significantly if inflation keeps on rising. Moreover, economic downturn can reduce the capacity of consumer spending. Such factors can significantly affect Ad-deen Food’s overall revenue leading to decreasing their capacity to stick to the repayment schedule. 📌Ad-deen Food’s strategy: Honey consumption is on the rise due to its health benefits especially during winter. As the main product of the business is honey, it is expected that the demand of such a product will not decrease significantly overnight.",
      "type": "Business Assessment"
    },
    {
      "text": "The installment structure has been arranged such that the business can roll the inventory and cover the peak seasons of winter when honey is sold the most. 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. The products will then be handed over to Ad-deen Food within a very short time frame. Ad-deen Food would have the right to reject the products due to quality etc. The risk is expected to be minimal since Ad-deen Food 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": "Ad-deen Food will share a security cheque with biniyog.io. Moreover, two guarantors will be introduced in the contract to add an extra layer of security for the investors.",
      "type": "Security"
    }
  ],
  "businessName": "Ad-din Organic Shop",
  "contractType": "MURABAHA",
  "projectFocus": "Organic food",
  "fundingTarget": 3000000,
  "fundProcessing": 67000,
  "projectedROIMax": 18.5000042222241,
  "projectedROIMin": 18.5000042222241,
  "ownerDetailsText": "Written by Business Md Mosharof Hossain is a young entrepreneur who started doing business in 2020 when he was just 20 years old. Over the last couple of years, he has gained a reputation among retail businesses of being a supplier of good quality honey. Due to his family background and passion, he has always been keen on doing business. This passion has led him to pursue building a business by which he aims to be a supplier of organic and medicinal food materials with good quality.",
  "maximumInvestment": 1500000,
  "minimumInvestment": 5000,
  "campaignRepayments": [
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-02-25T11:30:00.000Z",
      "instalmentNumber": 1,
      "minExpectedAmount": 354000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-03-25T11:30:00.000Z",
      "instalmentNumber": 2,
      "minExpectedAmount": 354000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-04-25T11:30:00.000Z",
      "instalmentNumber": 3,
      "minExpectedAmount": 354000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-05-25T11:30:00.000Z",
      "instalmentNumber": 4,
      "minExpectedAmount": 354000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-06-25T11:30:00.000Z",
      "instalmentNumber": 5,
      "minExpectedAmount": 531000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-07-25T11:30:00.000Z",
      "instalmentNumber": 6,
      "minExpectedAmount": 531000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-08-25T11:30:00.000Z",
      "instalmentNumber": 7,
      "minExpectedAmount": 531000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-09-25T11:30:00.000Z",
      "instalmentNumber": 8,
      "minExpectedAmount": 531000
    }
  ],
  "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 a fixed return (Bai Murabaha) agreement. Approval from Scholars biniyog.io‘s Shariah advisors have approved the basis and application of this Murabahah contract",
  "businessDetailsText": "Value Propositions Steady revenue stream. Good customer base with favourable payment cycles. Product (honey) requires minimal preservation. 5+ regular wholesale customers who purchase bulk quantities of products. Introduction to the Business Ad-deen Food has been operational since 2020, with an aim to deliver organic products to businesses and consumers. Their main product is honey, which they usually try to source directly from honey collectors (মৌয়াল), beekeepers and middlemen (if needed) located in different districts of our country. They purchase in bulk and sell to businesses at a mark-up. Thus, there are entrepreneurs around the country who have the demand and cater to niche local communities along with other segments of customers. In recent years, the business has gained significant traction. Additionally, the business has started to get big volume orders of honey. Ad-deen is trying to onboard big clients who serve corporate orders, supplies to renowned brands to increase the overall sales by a significant amount. The business is looking to raise funds for purchasing seasonal honey in bulk to serve hiked demand. The business has completed 100% repayment of its 6 campaigns raised through Biniyog.io. They have completed 30% repayment of their 7th campaign which is scheduled to be completed by January 2027. The business has made 27 on-time repayments out of a total of 28 repayments. Address: House: 25, Road: Avenue-2, Block-E, Chandrima model town, Mohammadpur,Dhaka-1207 Explore: Facebook | Website FAQ: 💡 Is the business Shariah-compliant? The business model (selling organic 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 September 2026 to September 2027. Projected ROI (Return on Investment) Projected ROI (annualized): 18% biniyog.io will charge a 0.84% success fee on the repayment amount Example: If an investor invests BDT 100,000, is expected to make a profit of 19,000 over the mentioned period; biniyog.io will charge 0.84% success fee on the repayment amount meaning BDT. 1000 will be deducted as the success fee. This means investors will be keeping BDT.18,000 as net profit. The net ROI for the investors will be 18% over the mentioned period after deducting biniyog.io’s success fee. Contract Condition Investors will go into a Bai Murabaha agreement (sale contract) with Ad-deen Food to purchase different types of honey in bulk. It will be a “buy-and-sell” process where investors will first buy products through biniyog.io. Ad-deen Food will then buy those items from investors on credit and pay the amount over the mentioned period. 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 Ad-deen Food. biniyog.io has proposed a price to Ad-deen Food for the products after considering a minimum 19% profit on the actual cost of product procurement and Ad-deen Food has agreed to it. Investors will be getting a net of 17% profit after deducting biniyog.io's success fee on investor profit. Investors can expect to get their returns over the mentioned period. 🗓️ 10% by April’ 2027 🗓️ 30% by July’ 2027 🗓️ 60% by in the last week of September’ 2027 বিনিয়োগের সময়কাল এই বিনিয়োগটি সেপ্টেম্বর ২০২৬ থেকে সেপ্টেম্বর ২০২৭ পর্যন্ত ১২ মাসের জন্য করা হয়েছে। প্রত্যাশিত ROI (বিনিয়োগের উপর রিটার্ন) প্রত্যাশিত বিনিয়োগ ফেরত (বার্ষিক): ১৮% biniyog.io পরিশোধিত অর্থের উপর ০.৮৪% 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 ০.৮৪% সাকসেস ফি ধার্য করবে, অর্থাৎ সাকসেস ফি হিসাবে ১,০০০ টাকা কেটে নেওয়া হবে। এর মানে হলো, বিনিয়োগকারীরা নীট লাভ হিসাবে ১৮,০০০ টাকা রাখবেন। biniyog.io-এর সাকসেস ফি বাদ দেওয়ার পর উল্লিখিত সময়কালে বিনিয়োগকারীদের নীট ROI হবে ১৮%। চুক্তির শর্ত বিনিয়োগকারীরা আদ-দীন ফুডের সাথে পাইকারি হারে বিভিন্ন ধরণের মধু কেনার জন্য একটি বাই মুরাবাহা চুক্তি (বিক্রয় চুক্তি) করবেন। এটি একটি \"ক্রয়-বিক্রয়\" প্রক্রিয়া হবে, যেখানে বিনিয়োগকারীরা প্রথমে biniyog.io-এর মাধ্যমে পণ্য কিনবেন। এরপর আদ-দীন ফুড বিনিয়োগকারীদের কাছ থেকে বাকিতে সেই পণ্যগুলো কিনবে এবং উল্লিখিত সময়ের মধ্যে অর্থ পরিশোধ করবে। biniyog.io বিনিয়োগকারীদের এজেন্ট হিসেবে কাজ করবে এবং তাদের পক্ষে পণ্যগুলো ক্রয় করে, সম্পদের প্রয়োজনীয় মালিকানা ও দখলের ঝুঁকি গ্রহণ করবে এবং তারপর Ad-deen Food-এর কাছে তা বিক্রি করবে। biniyog.io পণ্য সংগ্রহের প্রকৃত খরচের উপর ন্যূনতম ১৯% মুনাফা বিবেচনা করে Ad-deen Food-কে পণ্যগুলোর জন্য একটি মূল্য প্রস্তাব করেছে এবং Ad-deen Food তাতে সম্মত হয়েছে। বিনিয়োগকারীদের লাভের উপর biniyog.io-এর সাফল্য ফি বাদ দেওয়ার পর বিনিয়োগকারীরা নিট ১৭% লাভ পাবেন। বিনিয়োগকারীরা উল্লিখিত সময়কালের মধ্যে তাদের মুনাফা পাওয়ার আশা করতে পারেন। ২০২৭ সালের এপ্রিলের মধ্যে ১০% ২০২৭ সালের জুলাইয়ের মধ্যে ৩০% ২০২৭ সালের সেপ্টেম্বরের শেষ সপ্তাহের মধ্যে ৬০%",
  "fundUtilizationScope": {
    "bn": "বিভিন্ন ধরনের মধু",
    "en": "Different types of honey"
  },
  "protectionPoolChargeFee": [
    {
      "startingFrom": 4400,
      "protectionPoolFeeRate": 1
    },
    {
      "startingFrom": 100000,
      "protectionPoolFeeRate": 1.5
    }
  ],
  "previousRepaymentHistorySummary": "The business has made 27 on-time repayments out of a total of 28 repayments."
}