{
  "riskGrade": "B",
  "fundRaised": 2115480,
  "highlights": [
    "https://youtu.be/AUQ9vbaXPbM",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Wholesale_Pi/ChatGPT_Image_Aug_4,_2026,_03_17_59_PM.png",
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    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Wholesale_Pi/WhatsApp_Image_2026-08-04_at_11.38.50_AM.jpeg",
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    "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",
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  ],
  "shortIntro": "Sources and supplies agro-based products from 4 key regions in Bangladesh",
  "riskDetails": [
    {
      "text": "Supply Chain Disruptions: Any disruption, such as price hikes in raw materials or delays from local suppliers could hinder the production timelines, particularly during high-demand periods. Delays or shortages in sourcing agro-products due to seasonal variation, weather issues, or supplier inconsistency. 📌Wholesale Pi’s Strategy: The business maintains strong relationships with multiple suppliers and moderate stock to avoid last-minute shortages. They also strategically stock most salable products for major seasons to reduce production delays with their own production setup to ensure timely delivery. Market Competition: The Bangladeshi agro food industry is competitive, with both old and newer entrants targeting the same products variations. Digital platforms have further intensified competition by enabling low-cost production. 📌Wholesale Pi’s Strategy: To stay competitive, the business focuses on product quality, niche B2B markets, and brand value. Quality Inconsistency: Ensuring consistent quality might become difficult for the business due to the volume of product getting larger day by day with business growth. Such inconsistency in raw product quality can harm customer trust and brand reputation in the long run. 📌Wholesale Pi’s Strategy: Without strict controls, quality can differ across batches also so business is enforcing continuous quality checks and educating suppliers of their specific demands regularly. Delayed Payments from clients: Delayed payment from the corporate clients may create cash shortage for the business. which will affect the smooth production and procurement cycle of the business ultimately. 📌Wholesale Pi’s Strategy: The business has an established (some of them are renowned businesses) customer base who maintain a considerably good payment structure. Moreover, the business has been able to maintain good business-relationships with many of its clients. This enables them to filter out clients with below standard payment 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, 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. The products will then be handed over to Wholesale Pi within a very short time frame. Wholesale Pi would have the right to reject the product due to quality and other order specifications. The risk is expected to be minimal since the business 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": "Wholesale Pi 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 along with security cheques for adding an extra layer of security.",
      "type": "Security"
    }
  ],
  "businessName": "Wholesale Pi",
  "contractType": "MURABAHA",
  "projectFocus": "Agribusiness",
  "fundingTarget": 2750000,
  "fundProcessing": 647562,
  "projectedROIMax": 11.6667,
  "projectedROIMin": 11.6667,
  "ownerDetailsText": "Written by the business I am S. M. Rashedul Islam, the founder and supply chain management lead of Wholesale Pi. Previously, I worked as an SCM Lead for a renowned safe food-based company. From my professional experience, building a specialized CM industry has always been a dream of mine. Wholesale Pi is that kind of institution. In the future, Wholesale Pi will become a renowned global CM brand, InshaAllah.",
  "maximumInvestment": 825000,
  "minimumInvestment": 5000,
  "campaignRepayments": [
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-03-11T11:30:00.000Z",
      "instalmentNumber": 1,
      "minExpectedAmount": 614167
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-04-11T11:30:00.000Z",
      "instalmentNumber": 2,
      "minExpectedAmount": 614167
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-05-11T11:30:00.000Z",
      "instalmentNumber": 3,
      "minExpectedAmount": 921250
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-06-11T11:30:00.000Z",
      "instalmentNumber": 4,
      "minExpectedAmount": 921250
    }
  ],
  "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 Direct sourcing from agro regions ensures. Operates across four major regions to maintain uninterrupted supply. Maintains moderate stock levels to fulfill B2B demands swiftly and consistently. Serves both traditional wholesale markets and modern trade partners, enabling the business to diversify its sales channels and strengthen market reach. Introduction to the Business Written by the business Wholesale Pi specializes in producing and sourcing genuine agro-based products, operating across key regions including Mirzapur, Sherpur, Bogura, and Uttara, Dhaka. Since its inception in late 2022, the company has prioritized purity and quality at every stage of its supply chain. To maintain consistent product standards and meet demand efficiently, Wholesale Pi keeps a moderate stock of goods. The funds being sought will support this stock management. Looking ahead, the company envisions growing into a prominent name in the contract manufacturing (CM) sector. The business has successfully completed a 100% repayment of its first financing campaign. Repayments were made mostly on schedule, with only a minor delay in the third installment due to temporary transaction issues affecting Islamic Bank Bangladesh. Address: House: 14, Road - 13, Sector - 14, Uttara Model Town, Dhaka - 1230 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 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 up to 8 months, from October 2026 to June 2027. Projected ROI (Return on Investment) Projected Return on Investment (ROI): 17.5% (Annualized) Projected Return on Investment (ROI): 11.67% (within the mentioned duration) biniyog.io will be charging investors a 1.47% success fee after successful repayments. Example: If an investor invests BDT 100,000, is expected to make a profit of BDT 13,333 in 8 months; biniyog.io will charge a 1.47% on the repayment amount meaning BDT 1,666.67 will be deducted as the success fee. This means investors will be keeping BDT 11,667 as net profit. The net ROI for the investors will be 11.67% over 8 months after deducting biniyog.io’s success fee. Contract Condition Investors will go into a Murabaha agreement (sale contract) with Wholesale Pi for purchasing paddy. It will be a “buy-and-sell” process where investors will first buy the products through biniyog.io. Wholesale Pi will then buy those items from investors on credit and pay the amount after 8 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 Wholesale Pi. biniyog.io has proposed a price to Wholesale Pi for the products after considering a minimum 13.33% profit on the actual cost of product procurement. Wholesale Pi has agreed to it. Investors will be getting a net of 11.67% 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: 🗓️ 100% by June’2027 বিনিয়োগের সময়কাল এই বিনিয়োগটি অক্টোবর ২০২৬ থেকে জুন ২০২৭ পর্যন্ত, সর্বোচ্চ ৮ মাসের জন্য। প্রত্যাশিত ROI (বিনিয়োগের উপর রিটার্ন) বিনিয়োগে প্রত্যাশিত আয় (ROI): ১৭.৫% (বার্ষিক) বিনিয়োগ থেকে প্রত্যাশিত আয় (ROI): ১১.৬৭% (উল্লিখিত সময়কালের মধ্যে) সফলভাবে অর্থ পরিশোধের পর biniyog.io বিনিয়োগকারীদের কাছ থেকে ১.৪৭% সফলতা ফি নেবে। উদাহরণ: যদি কোনো বিনিয়োগকারী ১,০০,০০০ টাকা বিনিয়োগ করেন এবং ৮ মাসে ১৩,৩৩৩ টাকা লাভ করার প্রত্যাশা করেন; তাহলে biniyog.io পরিশোধিত অর্থের উপর ১.৪৭% চার্জ করবে, অর্থাৎ সফলতার ফি হিসাবে ১,৬৬৬.৬৭ টাকা কেটে নেওয়া হবে। এর মানে হলো, বিনিয়োগকারীরা নিট লাভ হিসাবে ১১,৬৬৭ টাকা রাখবেন। biniyog.io-এর সফলতার ফি বাদ দেওয়ার পর, ৮ মাসে বিনিয়োগকারীদের জন্য নিট ROI হবে ১১.৬৭%। চুক্তির শর্ত বিনিয়োগকারীরা ধান ক্রয়ের জন্য হোলসেল পাই-এর সাথে একটি মুরাবাহা চুক্তি (বিক্রয় চুক্তি) করবেন। এটি একটি \"ক্রয়-বিক্রয়\" প্রক্রিয়া হবে, যেখানে বিনিয়োগকারীরা প্রথমে biniyog.io-এর মাধ্যমে পণ্যগুলো কিনবেন। এরপর হোলসেল পাই বিনিয়োগকারীদের কাছ থেকে বাকিতে সেই পণ্যগুলো কিনবে এবং ৮ মাস পর মূল্য পরিশোধ করবে। biniyog.io বিনিয়োগকারীদের এজেন্ট হিসেবে কাজ করবে এবং তাদের পক্ষে পণ্যগুলো ক্রয় করে, সম্পদের মালিকানা ও দখলের প্রয়োজনীয় ঝুঁকি গ্রহণ করবে এবং তারপর Wholesale Pi-এর কাছে বিক্রি করবে। biniyog.io পণ্য সংগ্রহের প্রকৃত খরচের উপর ন্যূনতম ১৩.৩৩% মুনাফা বিবেচনা করে Wholesale Pi-কে পণ্যগুলির জন্য একটি মূল্য প্রস্তাব করেছে। Wholesale Pi এতে সম্মত হয়েছে। বিনিয়োগকারীদের লাভের উপর biniyog.io-এর সাফল্য ফি বাদ দেওয়ার পর বিনিয়োগকারীরা মোট ১১.৬৭% লাভ পাবেন। বিনিয়োগকারীরা উল্লিখিত সময়কালে নিম্নলিখিত কাঠামোতে তাদের রিটার্ন পাওয়ার আশা করতে পারেন: জুন ২০২৭ এর মধ্যে ১০০%",
  "fundUtilizationScope": {
    "bn": "কৃষিজাত পণ্য",
    "en": "Agro Products"
  },
  "protectionPoolChargeFee": [
    {
      "startingFrom": 4400,
      "protectionPoolFeeRate": 1
    },
    {
      "startingFrom": 100000,
      "protectionPoolFeeRate": 1.5
    }
  ],
  "previousRepaymentHistorySummary": "The business has successfully completed a 100% repayment of its first financing campaign. Repayments were made mostly on schedule, with only a minor delay in the third installment due to temporary transaction issues affecting Islamic Bank Bangladesh."
}