{
  "riskGrade": "B+",
  "fundRaised": 2797818,
  "highlights": [
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    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Task_Design___Consultancy/TDC_2.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Task_Design___Consultancy/TDC_3.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Task_Design___Consultancy/TDC_4.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Task_Design___Consultancy/TDC_6.jpeg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Task_Design___Consultancy/TDC_7.jpeg",
    "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": "Completed more than 150 commercial and residential projects in last 8 years",
  "riskDetails": [
    {
      "text": "Inflationary pressure impacting the contract/ project-based sales: Task Design & Consultancy generates revenue from different projects with organisations and individuals. Due to current inflationary pressure, Task Design & Consultancy may face an unforeseen drop in sales if their clients decide to stop construction and expansion. Besides, some ongoing contracts may get postponed or halted due to the unpredictability of the ongoing economic situation. In addition, any event of payment delay from a client may also result in delay in investor repayments. 📌Task Design & Consultancy’s strategy: The business has completed a good number of projects and contracts so far. Task Design and Consultancy gets priority when the current and new clients are giving out new contracts due to their good business-relationships with the business. Moreover, the business has 3 wings that are construction, interior designing and engineering consultancy that diversifies the basket of revenue generation./li> Possibility of time lag in procurement: The current situation of the construction raw materials market is still unstable. Price volatility may result in time lag of procuring the steel materials. Sudden abnormal price hikes may also result in significant delay in the procurement. 📌Task Design & Consultancy’s strategy: The business maintains strong connections with its suppliers. So, they are able to schedule the procurement according to their needs on time. This allows the business to avoid events of uncertainty. Moreover, the business’s extensive experience in this line of business enables them to predict and handle any upcoming market volatility to a tolerable level. Delayed payments from work-order/ project issuers: Businesses such as Task Design & Consultancy often have to face payment delays from the work-order issuers. This might hamper the overall transaction flow of the business significantly. This is most likely to result in delayed repayments for the investors. 📌Task Design & Consultancy’s strategy: The business has been continuously working towards keeping the transaction flow in order by syncing the schedules of raw material purchase, investor repayments & their operational costs. Moreover, the business mostly works with reputed clients with good payment management history.",
      "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, if not hugely impacted by macroeconomic issues.",
      "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 Task Design & Consultancy within a very short time frame. Task Design & Consultancy would have the right to reject the products due to quality etc. The risk is expected to be minimal since Task Design & Consultancy 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": "Task Design & Consultancy will share installment cheques with biniyog.io. A guarantee security cheque will also be kept from the business owner. Moreover, the business will introduce multiple guarantors in the contract for adding an extra layer of security.",
      "type": "Security"
    }
  ],
  "businessName": "Task Design & Consultancy",
  "contractType": "MURABAHA",
  "projectFocus": "Engineering consultancy",
  "fundingTarget": 5000000,
  "fundProcessing": 779821,
  "projectedROIMax": 8.749996139707585,
  "projectedROIMin": 8.749996139707585,
  "ownerDetailsText": "Written by Business Managing partner 1: Kamruzzaman Shohug From the very beginning of my career I am closely related to the industrial compliance sector. I was fortunate enough to work in ILO, ACCORD, GIZ which made me passionate about industrial compliance, worker safety, green building, sustainable development and so many more. As I have had the experience of working in both the audit and the development sector, it was easy for me to understand and deliver client requirements in my consultancy career. With time, our dynamic team has established TASK DESIGN & CONSULTANCY as one of the reputed industrial consultancy firms in Bangladesh. Managing partner 2: Md. Niaz Mustaqeem I have over 16 years of experience working in the engineering sector of Bangladesh. I was the project director of Waseq Group. After that I worked as a chief engineer of A Square Multipurpose Ltd. Having such a wide area of work experience has allowed me to understand the complete scenario of the engineering sector of Bangladesh. I am now investing my prior experience and knowledge in Task Design & Consultancy and striving to make our firm as one of the finest engineering firms in Bangladesh.",
  "maximumInvestment": 1500000,
  "minimumInvestment": 5000,
  "campaignRepayments": [
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-01-25T11:30:00.000Z",
      "instalmentNumber": 1,
      "minExpectedAmount": 218247
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-02-25T11:30:00.000Z",
      "instalmentNumber": 2,
      "minExpectedAmount": 218247
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-03-25T11:30:00.000Z",
      "instalmentNumber": 3,
      "minExpectedAmount": 4988506
    }
  ],
  "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 Strong networking and relationship management with the customers and the suppliers. One stop solution provider (big-scale construction services, interior designing and construction consultancy). Experience of working in big projects of renowned businesses such as BRAC, JD Williams, Team group, Bangladesh Navy, Swiss Contact, Telenor, Alib Composite Ltd., International Classic Composite Ltd. and others. Structured procurement plan. Introduction to the Business Written by Business Task Design & Consultancy is one of the fastest growing consultancy firms in Bangladesh. The company started in 2015 and is operating successfully with 3 branches, 1 factory with a considerably stable flow of revenue. The team consists of young engineers along with a highly experienced senior advisory team who guide us throughout the journey. We have successfully completed 6 industrial turnkey projects, 50 DEA & MEP projects, 120 residential & commercial constructions, 250 architectural designs and 850 industrial electrical, fire & safety audit projects for renowned organizations such as BRAC, JD Williams, Team group, Bangladesh Navy, Swiss Contact, Telenor and others. The cash cow of this company is industrial consultancy and construction of pre-fabricated steel buildings. Task Design & Consultancy has good rapport built-up in this arena. This is the 1st tranche of the 7th fund raising campaign of Task Design & Consultancy on Biniyog.io, with full repayment completed of 1st, 2nd, 3rd, 4th, 5th campaigns and 90% repayment of the 6th campaign. Office address: Flat - 2, House - 10, Road- 5E, Sector - 11, Uttara, Dhaka, Bangladesh. Explore: Facebook | Website | LinkedIn FAQ: 💡 Is the business Shariah-compliant? The business model (trading steel plates & scraps, construction and consultancy) 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’ Murabahal (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 6 months, expected from September 2026 to March 2027. Projected ROI (Return on Investment) Projected Return on Investment (ROI): 8.50% Projected ROI: 17% per annum If someone invests BDT 100,000 in the project, he/she can expect to receive a total of BDT 108,500 by March 2027. Example: If an investor invests BDT 100,000, he/she can expect to make a profit of BDT 8,750 over the mentioned period; biniyog.io will charge a 0.23% success fee on the repayment amount meaning BDT 250 will be deducted as the success fee. This means investors will be keeping BDT 8,500 as net profit. The net ROI for the investors will be 8.50% over the mentioned period (17% annualized) after deducting biniyog.io’s success fee Contract Condition Investors will go into a Murabahah agreement (sale contract) with Task Design & Consultancy for purchasing construction steel items and other similar items. It will be a “buy-and-sell” process where investors will first buy products through biniyog.io. Task Design & Consultancy will then buy those items from investors on credit and pay the amount over 6 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 Task Design & Consultancy biniyog.io has proposed a price to Task Design & Consultancy for the products after considering a minimum 8.75% profit on actual cost of product procurement. Task Design & Consultancy has agreed to it. Investors will be getting a net of 8.5% profit after deducting biniyog.io’s success fee on repayment. Investors can expect to get their returns over 6 months in following instalment: 🗓️100% by March 2027 বিনিয়োগের সময়কাল এই বিনিয়োগটি ৬ মাসের জন্য, যা সেপ্টেম্বর ২০২৬ থেকে মার্চ ২০২৭ পর্যন্ত কার্যকর থাকবে বলে আশা করা হচ্ছে। প্রত্যাশিত ROI (বিনিয়োগের উপর রিটার্ন) বিনিয়োগ থেকে প্রত্যাশিত আয় (ROI): ৮.৫০% প্রত্যাশিত বিনিয়োগ ফেরত: বার্ষিক ১৭% যদি কেউ এই প্রকল্পে ১,০০,০০০ টাকা বিনিয়োগ করেন, তাহলে তিনি ২০২৭ সালের মার্চের মধ্যে মোট ১,০৮,৫০০ টাকা পাওয়ার আশা করতে পারেন। উদাহরণ: যদি কোনো বিনিয়োগকারী ১,০০,০০০ টাকা বিনিয়োগ করেন, তবে তিনি উল্লিখিত সময়কালে ৮,৭৫০ টাকা লাভ করার আশা করতে পারেন; biniyog.io পরিশোধিত অর্থের উপর ০.২৩% সাকসেস ফি ধার্য করবে, অর্থাৎ সাকসেস ফি হিসাবে ২৫০ টাকা কেটে নেওয়া হবে। এর মানে হলো, বিনিয়োগকারীরা নিট লাভ হিসাবে ৮,৫০০ টাকা রাখবেন। biniyog.io-এর সাকসেস ফি বাদ দেওয়ার পর, উল্লিখিত সময়কালে বিনিয়োগকারীদের জন্য নিট ROI হবে ৮.৫০% (বার্ষিক ১৭%)। চুক্তির শর্ত বিনিয়োগকারীরা নির্মাণ ইস্পাত সামগ্রী এবং অন্যান্য অনুরূপ সামগ্রী ক্রয়ের জন্য টাস্ক ডিজাইন অ্যান্ড কনসালটেন্সির সাথে একটি মুরাবাহা চুক্তি (বিক্রয় চুক্তি) করবেন। এটি একটি \"ক্রয়-বিক্রয়\" প্রক্রিয়া হবে, যেখানে বিনিয়োগকারীরা প্রথমে biniyog.io-এর মাধ্যমে পণ্য ক্রয় করবেন। এরপর টাস্ক ডিজাইন অ্যান্ড কনসালটেন্সি বিনিয়োগকারীদের কাছ থেকে বাকিতে সেই পণ্যগুলো ক্রয় করবে এবং ৬ মাসের মধ্যে মূল্য 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 Task Design & Consultancy-এর কাছে তা বিক্রি করবে। biniyog.io, পণ্য সংগ্রহের প্রকৃত খরচের উপর ন্যূনতম ৮.৭৫% মুনাফা বিবেচনা করে Task Design & Consultancy-কে পণ্যগুলোর জন্য একটি মূল্য প্রস্তাব করেছে। Task Design & Consultancy এতে সম্মত হয়েছে। অর্থ পরিশোধের সময় biniyog.io-এর সাকসেস ফি বাদ দেওয়ার পর বিনিয়োগকারীরা নিট ৮.৫% মুনাফা পাবেন। বিনিয়োগকারীরা নিম্নলিখিত কিস্তিতে ৬ মাসের মধ্যে তাদের রিটার্ন পেতে পারেন: ২০২৭ সালের মার্চের মধ্যে ১০০%",
  "fundUtilizationScope": {
    "bn": "নির্মাণ সামগ্রী",
    "en": "Construction materials"
  },
  "protectionPoolChargeFee": [
    {
      "startingFrom": 4400,
      "protectionPoolFeeRate": 1
    },
    {
      "startingFrom": 100000,
      "protectionPoolFeeRate": 1.5
    }
  ],
  "previousRepaymentHistorySummary": "Task Design & Consultancy achieved 100% repayment across its 1st–5th campaigns, with 90% repaid in the 6th. The 5th campaign had a13-day delay due to an unforeseen event and delayed vendor payment*."
}