{
  "riskGrade": "B",
  "fundRaised": 540863,
  "highlights": [
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Travox/0.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Travox/1.JPG",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Travox/2.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Travox/3.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Travox/4.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Travox/5.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": "Generating retail sales through both online and offline. ",
  "riskDetails": [
    {
      "text": "Supply Chain Disruptions and Production Shortage: The availability of good quality clothing could be disrupted due to factors like price fluctuations, supply conditions, or geopolitical issues. Any production shortage often destabilizes the market. This can cause a product shortage which will ultimately result in hurting their overall margin. 📌Travox’s strategy: The business has built a good level of connections with many wholesalers through procuring products from many wholesalers. This helps the business to enjoy information advantages. This is expected to mitigate such issues to a tolerable point. Economic downturn and 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 Travox’s overall revenue leading to decreasing their capacity to stick to the repayment schedule. 📌Travox’s strategy: The mentioned issue is applicable for any business. However, the main products the business sells are mostly considered as a necessity for people travelling to foreign countries with cold weather. Hence, the impact of economic downturn and inflation on such clothing items is expected to stay at a tolerable level for the businesses. Dependency on online marketing: The business is heavily dependent on online marketing (Facebook ads, boosting, etc.). Maintaining such heavy dependence can become a notable issue for the business in case there is any major policy change by Meta, server down issue, etc. 📌Travox’s strategy: This is an inherent risk for any e-commerce businesses. However, the business has started to take some steps to mitigate this issue such as experimenting by running Google ads along with the Meta ads, placing customer retention strategies, trying to generate organic reach on social media, etc.",
      "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 winter clothing items are 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 the ownership. This is a necessary risk to ensure Shariah compliance of the transaction. The transportation from the supplier will be done using transportation / courier services. Occurrence of damage is unlikely, but investors will have to keep in mind that if any such damage does occur during transportation, investors will have to take responsibility for it.",
      "type": "Possession of assets"
    },
    {
      "text": "Travox 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": "Travox",
  "contractType": "MURABAHA",
  "projectFocus": "Clothing",
  "fundingTarget": 800000,
  "fundProcessing": 95194,
  "projectedROIMax": 7.91670361128352,
  "projectedROIMin": 7.91670361128352,
  "ownerDetailsText": "Written by the business I (MD Saidur Rahman) am an entrepreneur and digital marketing professional with a BBA and MBA from Noakhali Science & Technology University. I have several years of experience in e-commerce, digital marketing, performance advertising, and business growth. I am closely involved with Travox, leading its marketing, business strategy, product development, and overall growth. Currently, I am focused on scaling Travox into a leading travel and winter essentials brand in Bangladesh. My long-term vision is to build Travox into a trusted, scalable travel lifestyle brand serving travelers across Bangladesh and beyond.",
  "maximumInvestment": 240000,
  "minimumInvestment": 5000,
  "campaignRepayments": [
    {
      "status": "SCHEDULED",
      "expectedDate": "2026-12-24T11:30:00.000Z",
      "instalmentNumber": 1,
      "minExpectedAmount": 258000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-01-24T11:30:00.000Z",
      "instalmentNumber": 2,
      "minExpectedAmount": 516000
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-02-24T11:30:00.000Z",
      "instalmentNumber": 3,
      "minExpectedAmount": 86000
    }
  ],
  "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 Serving a considerably low-competition niche market. Considerably high demand during peak season. Online shop along with a physical shop. Introduction to the Business Travox is a Bangladesh-based travel lifestyle brand specializing in winter wear, minus-temperature clothing, travel gear, bags, luggage, and accessories. Founded in 2024 and formally registered with a trade license in 2025, Travox was built to provide travelers with all their cold-weather essentials in one place. We generate revenue through online sales, showroom sales, pre-orders, and direct-to-consumer retail across 40+ product categories. Our key advantage is our year-round business model—we sell winter and cold-weather products throughout the year to customers traveling to colder countries. With 40+ categories, we can continuously focus on whichever products are in highest demand instead of depending on a single product. We are seeking funding to build sufficient inventory ahead of the upcoming winter season, while September–October also offers strong demand from university students and international travelers. Address: Flat - B/1, House - 14/a, Road- 1/A, Block -J, Baridhara, Dhana. Explore: Facebook | Website FAQ: 💡 Is the business Shariah-compliant? The business model (selling clothing 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 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 5 - 5.5 months, from September 2026 to March 2027. Projected ROI (Return on Investment) Projected ROI (annualized): 18% Projected ROI (for the duration of the project): 7.92% biniyog.io will charge a 0.39% success fee on the repayment amount Example: If an investor invests BDT 100,000, is expected to make a profit of 7,917 over the mentioned period; biniyog.io will charge 0.39% success fee on the repayment amount meaning BDT. 417 will be deducted as the success fee. This means investors will be keeping BDT.7,500 as net profit. The net ROI for the investors will be 7.92% over the mentioned period after deducting biniyog.io’s success fee. Contract Condition Investors will go into a Murabaha agreement (sale contract) with Travox. It will be a “buy-and-sell” contract, where Travox will be buying various types of clothing 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 Travox. biniyog.io has proposed a price to Travox for the products after considering a minimum 19% profit on the actual cost of product procurement and Travox has agreed to it. Investors will be getting a net of 18% 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: 🗓️ 100% by March 2027 বিনিয়োগের সময়কাল এই বিনিয়োগটি ৫ থেকে ৫.৫ মাসের জন্য, অর্থাৎ সেপ্টেম্বর ২০২৬ থেকে মার্চ ২০২৭ পর্যন্ত কার্যকর থাকবে। প্রত্যাশিত ROI (বিনিয়োগের উপর রিটার্ন) প্রত্যাশিত বিনিয়োগ ফেরত (বার্ষিক): ১৮% প্রত্যাশিত বিনিয়োগ ফেরত (প্রকল্পের সময়কালের জন্য): ৭.৯২% biniyog.io পরিশোধিত অর্থের উপর ০.৩৯% সফলতা ফি ধার্য করবে। উদাহরণ: যদি কোনো বিনিয়োগকারী ১,০০,০০০ টাকা বিনিয়োগ করেন এবং উল্লিখিত সময়কালে ৭,৯১৭ টাকা লাভ করার প্রত্যাশা করেন; তাহলে biniyog.io পরিশোধিত অর্থের উপর ০.৩৯% সাকসেস ফি ধার্য করবে, অর্থাৎ সাকসেস ফি হিসাবে ৪১৭ টাকা কেটে নেওয়া হবে। এর মানে হলো, বিনিয়োগকারীরা নীট লাভ হিসাবে ৭,৫০০ টাকা রাখবেন। biniyog.io-এর সাকসেস ফি বাদ দেওয়ার পর উল্লিখিত সময়কালে বিনিয়োগকারীদের নীট ROI হবে ৭.৯২%। চুক্তির শর্ত বিনিয়োগকারীরা একটি মুরাবাহা চুক্তিতে (বিক্রয় চুক্তি) প্রবেশ করবে ট্র্যাভক্স। এটি একটি \"ক্রয়-বিক্রয়\" চুক্তি হবে, যেখানে ট্রাভক্সবিনিয়োগকারীদের কাছ থেকে বর্ধিত মূল্যে বিভিন্ন ধরণের পোশাক ক্রয় করা হবে এবং পূর্ব-সম্মত কিস্তিতে অর্থ পরিশোধ করা হবে। biniyog.ioবিনিয়োগকারীদের প্রতিনিধি হিসেবে কাজ করবে এবং তাদের পক্ষ থেকে পণ্যগুলো ক্রয় করে সম্পদের প্রয়োজনীয় মালিকানা ও দখলের ঝুঁকি গ্রহণ করবে, এবং তারপর বিক্রি করবে। ট্র্যাভক্স। biniyog.io একটি মূল্য প্রস্তাব করেছে ট্রাভক্সপণ্য সংগ্রহের প্রকৃত খরচের উপর ন্যূনতম ১৯% মুনাফা বিবেচনা করার পর পণ্যগুলোর জন্য এবং ট্রাভক্সএতে সম্মত হয়েছে। বিনিয়োগকারীরা তাদের লাভের উপর biniyog.io-এর সার্ভিস চার্জ বাদ দেওয়ার পর নিট ১৮% লাভ পাবেন। বিনিয়োগকারীরা উল্লিখিত সময়কালে নিম্নলিখিত কাঠামোতে তাদের রিটার্ন পাওয়ার আশা করতে পারেন: ২০২৭ সালের মার্চের মধ্যে ১০০%",
  "fundUtilizationScope": {
    "bn": "পোশাকের সামগ্রী",
    "en": "Clothing Item"
  },
  "protectionPoolChargeFee": [],
  "previousRepaymentHistorySummary": "They are raising funds for the first time through biniyog.io.  \n"
}