{
  "riskGrade": "A",
  "fundRaised": 1076958,
  "highlights": [
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    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Shotomul_Agro/Sotomul_Agro_1.jpg",
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    "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",
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  ],
  "shortIntro": "A leading safe grocery and organic food business operating for a decade",
  "riskDetails": [
    {
      "text": "Supply Chain Disruptions: Dependence on a limited number of suppliers for various products might disrupt the supply chain, which in turn may affect the ability to cope with the demand due to stock shortages, thus affecting customer satisfaction. 📌Possible mitigation: The business sources products from multiple local farmers and distributors, maintaining strong relationships within the supply chain. They have also implemented a required inventory management to ensure a steady and reliable supply of products. Market Competition: With the growing demand for safe food, new competitors are constantly emerging. Established brands with larger capital may dominate market share and customer acquisition. 📌Possible mitigation: The business differentiates itself through a commitment to high-quality traditional Bangladeshi ingredients, sustainability, and fast-paced delivery. Shotomul Agro maintains its market presence by consistently stocking a diverse range of high-demand, premium-quality products. Consumer Trust & Market Perception: The safe food industry is highly dependent on customer trust. Any negative perception due to product quality concerns or misinformation could affect brand reputation. 📌Possible mitigation: The business ensures strict quality control, transparent sourcing, and clear product labeling to maintain credibility and build long-term trust with customers.",
      "type": "Business Assessment"
    },
    {
      "text": "The installment structure has been arranged such that the business can run operations smoothly without being burdened by repayments. 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 Shotomul Agro within a very short time frame. Shotomul Agro would have the right to reject the product due to quality and other order specifications. The risk is expected to be minimal since Shotomul Agro 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": "Shotomul Agro will share a business security cheque with biniyog.io. Additionally, the business will introduce two guarantors with security cheques in the contract for adding an extra layer of security.",
      "type": "Security"
    }
  ],
  "businessName": "Shotomul Agro",
  "contractType": "MURABAHA",
  "projectFocus": "Grocery & Organic Food",
  "fundingTarget": 2500000,
  "fundProcessing": 1216863,
  "projectedROIMax": 5.833349999999999,
  "projectedROIMin": 5.833349999999999,
  "ownerDetailsText": "Written by the business I am Mahmudunnabi Shohag, holding a BSc in Mechanical Engineering. With extensive experience in the safe food industry through roles at Roshalo Fruits, Organic Ghor Ltd, and Deshi Khamar Ltd, I founded Shotomul Agro in 2015. My involvement spans all aspects of the business. My current focus is on optimizing our supply chain for smoother operations and increased profitability. My vision is to position Shotomul Agro as the leading provider of safe and sustainable grocery products in Bangladesh, supporting local farmers and promoting healthier lifestyles.",
  "maximumInvestment": 1250000,
  "minimumInvestment": 5000,
  "campaignRepayments": [
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-02-07T11:30:00.000Z",
      "instalmentNumber": 1,
      "minExpectedAmount": 2641667
    }
  ],
  "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 (Murabaha/Bai’ Muajjal) agreement. Approval from Scholars biniyog.io's Shariah Advisors have approved the basis and application of this Murabaha/Bai’ Muajjal contract.",
  "businessDetailsText": "Value Propositions Serving a large customer base Mostly cash transactions Strong distribution channels with own slaughterhouse, delivery vans and supplier network Satisfactory product quality based on customer reviews Fast & efficient delivery service Introduction to the Business Written by the business Shotomul Agro, founded in 2015 in Dhaka, is a leading grocery shop dedicated to providing high-quality, locally sourced safe products. We generate revenue primarily through B2B sales, alongside retail and corporate sales partnerships. Our unique focus on sustainability and traditional Bangladeshi ingredients sets us apart. We've been recognized with the BSCIC award for our innovation in safe retail. We require funding to purchase livestock (for increasing inventory) and streamline our supply chain, enabling us to operate more efficiently and generate higher profits. The business has completed 100% repayment of the first two campaigns on time. Currently, 1 campaign is ongoing, but the total credit limit for Shotomul Agro will remain unchanged. Outlet: House-1, Road-12, Block-C, Banasree, Rampura, Dhaka-1219 Processing Unit: Ahmedpur, Baraigram, Natore Explore: Website | Facebook FAQ: 💡 Is the business Shariah-compliant? The business model (selling grocery & 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/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 4 months, expected from September 2026 to February 2027. Projected ROI (Return on Investment) Projected Return on Investment (ROI): 5.67% (at actual) Projected ROI: 17% (annualized) biniyog.io will be charging investors a 0.31% success fee after successful repayments. Example: If an investor invests BDT 1,00,000, he /she is expected to make a profit of BDT 6,000 in the mentioned duration; biniyog.io will charge a 0.31% success fee (this % may vary slightly due to changes in calculation) on the repayment amount meaning BDT 333.33 will be deducted as the success fee. This means investors will be keeping BDT 5,667 as net profit. The net ROI of the investors will be 5.67% after deducting biniyog.io’s success fee. Contract Condition Investors will go into a Murabaha/Bai’ Muajjal agreement (sale contract) with Shotomul Agro for purchasing livestock and organic products. It will be a “buy-and-sell” process where investors will first buy the products through biniyog.io. Shotomul Agro will then buy those items from investors on credit and pay the amount after 4 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 Shotomul Agro. biniyog.io has proposed a price to Shotomul Agro for the products after considering a minimum 6% profit on the actual cost of product procurement. Shotomul Agro has agreed to it. Investors will be getting a net of 5.67% profit after deducting biniyog.io’s success fee on investor repayments. Investors can expect to get their returns over 4 months in 1 installment: 🗓️ 100% in February’ 2027 বিনিয়োগের সময়কাল এই বিনিয়োগটি ৪ মাসের জন্য, যা সেপ্টেম্বর ২০২৬ থেকে ফেব্রুয়ারি ২০২৭ পর্যন্ত কার্যকর থাকবে বলে আশা করা হচ্ছে। প্রত্যাশিত ROI (বিনিয়োগের উপর রিটার্ন) বিনিয়োগের প্রত্যাশিত রিটার্ন (ROI): ৫.৬৭%(প্রকৃতপক্ষে) প্রত্যাশিত ROI: ১৭% (বার্ষিক) biniyog.io বিনিয়োগকারীদের কাছ থেকে চার্জ নেবে ০.৩১%সফলভাবে পরিশোধ করার পর সাফল্য ফি। উদাহরণ: যদি কোনো বিনিয়োগকারী ১,০০,০০০ টাকা বিনিয়োগ করেন, তবে তিনি ৬,০০০ টাকা লাভ করবেন আশা করা যায় উল্লেখিত সময়কালে; biniyog.io চার্জ করবে ০.৩১% পরিশোধিত অর্থের উপর সাফল্য ফি (গণনার পরিবর্তনের কারণে এই শতাংশ সামান্য পরিবর্তিত হতে পারে) অর্থাৎ টাকা ৩৩৩.৩৩ সফলতা ফি হিসাবে কেটে নেওয়া হবে। এর মানে বিনিয়োগকারীরা ৫,৬৬৭ টাকা নিট মুনাফা হিসেবে পাবেন। বিনিয়োগকারীদের নীট ROI হবে ৫.৬৭% biniyog.io-এর সফলতার ফি বাদ দেওয়ার পর। চুক্তির শর্ত বিনিয়োগকারীরা গবাদি পশু ও জৈব পণ্য ক্রয়ের জন্য শতমূল এগ্রোর সাথে একটি মুরাবাহা/বাই মুয়াজ্জাল চুক্তি (বিক্রয় চুক্তি) করবেন। এটি একটি \"ক্রয়-বিক্রয়\" প্রক্রিয়া হবে, যেখানে বিনিয়োগকারীরা প্রথমে biniyog.io-এর মাধ্যমে পণ্যগুলি কিনবেন। এরপর শতমূল এগ্রো বিনিয়োগকারীদের কাছ থেকে বাকিতে সেই পণ্যগুলি কিনবে এবং ৪ মাস পর টাকা 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 শতমূল এগ্রোর কাছে তা বিক্রি করবে। biniyog.io ন্যূনতম বিবেচনা করার পর শতমূল এগ্রোকে পণ্যগুলির জন্য একটি মূল্য প্রস্তাব করেছে। ৬%পণ্য সংগ্রহের প্রকৃত খরচের উপর মুনাফা। শতমূল এগ্রো এতে সম্মত হয়েছে। বিনিয়োগকারীরা নিট লাভ পাবেন ৫.৬৭%বিনিয়োগকারীদের অর্থ পরিশোধের উপর biniyog.io-এর সাফল্য ফি বাদ দেওয়ার পরের লাভ। বিনিয়োগকারীরা ৪ মাসের মধ্যে তাদের রিটার্ন পেতে পারেন। ১ কিস্তি: ২০২৭ সালের ফেব্রুয়ারিতে ১০০%",
  "fundUtilizationScope": {
    "bn": "প্রাণিসম্পদ এবং জৈব পণ্য",
    "en": "purchase livestock and organic products"
  },
  "protectionPoolChargeFee": [],
  "previousRepaymentHistorySummary": "The business has completed 100% repayment of the first two campaigns on time. Currently, 1 campaign is ongoing, but the total credit limit for Shotomul Agro will remain unchanged."
}