{
  "riskGrade": "B+",
  "fundRaised": 648100,
  "highlights": [
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    "https://www.youtube.com/shorts/rPSash9gu9Y",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Unique_Wood_Solution/2.jpeg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Unique_Wood_Solution/3.jpeg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Unique_Wood_Solution/4.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",
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  ],
  "shortIntro": "A specialized woodworking machinery provider in Bangladesh’s furniture industry.",
  "riskDetails": [
    {
      "text": "Supply Chain Disruptions: Dependence on Chinese manufacturers may expose the business to shipment delays, supply interruptions, and difficulties in sourcing machinery or spare parts 📌Unique Wood Solution’s strategy: The business maintains strong relationships with its Chinese manufacturers and plans procurement in advance based on customer requirements. Maintaining regular communication with suppliers and building stronger supplier relationships as sales volume grows will provide greater flexibility during supply disruptions. Foreign Exchange Risk: As the business imports machinery from China, fluctuations in exchange rates can increase procurement costs and put pressure on margins. 📌Unique Wood Solution’s strategy: The business can regularly review machine pricing against changes in import and foreign-exchange costs and maintain an appropriate pricing buffer to protect margins. Advance planning of imports and customer orders can also help reduce exposure to sudden cost increases. Market Demand Risk:A slowdown in the furniture, woodworking, or construction sectors may reduce demand for new machinery and delay customers’ purchasing decisions. 📌Unique Wood Solution’s strategy: The business is focusing on serving a broader range of woodworking businesses and expanding its customer base beyond its existing markets. Its specialized machinery solutions and technical support can also help maintain customer relationships during slower market conditions. Macroeconomic Risk: Global energy-market disruptions, inflation, and broader economic pressure in Bangladesh can increase customers’ operating costs and potentially delay their repayment.",
      "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 above mentioned risks plays a significant part.",
      "type": "Payment Delay"
    },
    {
      "text": "biniyog.io will buy the products on behalf of investors first and secure ownership. Unique Wood Solutions would have the right to reject the products due to quality etc. The risk is expected to be minimal since Unique Wood Solution 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": "Unique Wood Solutions 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": "Unique Wood Solution",
  "contractType": "MURABAHA",
  "projectFocus": "Industrial Equipments",
  "fundingTarget": 3000000,
  "fundProcessing": 11800,
  "projectedROIMax": 12,
  "projectedROIMin": 12,
  "ownerDetailsText": "Written by the business I am Hasibul Hasan, the CEO of Unique Wood Solution. I have been working in the CNC Router Machine and woodworking industry for a long time and have gained extensive practical experience in this sector. My goal is to help small and medium-sized entrepreneurs in Bangladesh increase their productivity through modern technology. Currently, I oversee the company’s business development, sales activities, and customer service operations",
  "maximumInvestment": 1200000,
  "minimumInvestment": 5000,
  "campaignRepayments": [
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-04-25T11:30:00.000Z",
      "instalmentNumber": 1,
      "minExpectedAmount": 1102200
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-05-25T11:30:00.000Z",
      "instalmentNumber": 2,
      "minExpectedAmount": 1102200
    },
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-06-25T11:30:00.000Z",
      "instalmentNumber": 3,
      "minExpectedAmount": 1135600
    }
  ],
  "detailPageVerified": true,
  "shariahDetailsText": "Underlying Contracts Investors appoint biniyog.io as an agent to deal on their behalf (Wakalah) and invest in the business through the buying and sale of assets under a “buy-and-sell” (Murabaha) 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 growing woodworking industry with specialized machinery solutions. Strong reach among wood-processing businesses beyond Dhaka. Direct access to Chinese-manufactured machinery and technical expertise Introduction to the Business Our company, Unique Wood Solution (UWS), supplies modern CNC Router Machines and other woodworking machinery for Bangladesh’s wood, furniture, and interior industries. Since our establishment, we have earned the trust of our customers by providing advanced machinery, installation services, operator training, and after-sales support. Our primary sources of revenue are machine sales, spare parts supply, and service support. Our key strengths include a skilled technical team, prompt service, and long-term customer support. Currently, we require investment to expand the business, import new machinery, and expand our showroom and service network. Our office is located in Dhaka, and we provide services throughout Bangladesh. Office Location: New town city konakhola Road, Kodomtoli, Keraniganj, Dhaka-1310. Explore: Website | Facebook FAQ: 💡 Is the business Shariah-compliant? The business model (Selling woodworking machinery) 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 8 months, expected from November 2026 to June 2027. Projected ROI (Return on Investment) Projected Return on Investment (ROI): 11.33% Projected Return on Investment (ROI): 17% (annualized) biniyog.io will be charging investors a 0.60% success fee after successful repayments. Example: If an investor invests BDT 100,000, is expected to make a profit of BDT 12,000 in 8 months; biniyog.io will charge a 0.60% (this % may vary slightly due to changes in calculation success fee) on the repayment amount meaning BDT 666.67 will be deducted as the success fee. This means investors will be keeping BDT 11,333 as net profit. Contract Condition Investors will go into a Murabahah/Bai Muajjal agreement (sale contract) with Unique Wood Solution to woodworking machinery products which are shariah compliant. It will be a “buy-and-sell” process where investors will first buy products through biniyog.io. Unique Wood Solution will then buy those items from investors on credit and pay the amount over 8 months. biniyog.io will act as an agent for the investors and buy the product, take necessary ownership and risk of asset possession on their behalf, and then sell to Unique Wood Solution. biniyog.io has proposed a price to Unique Wood Solution for the products after considering a minimum 12% profit on the actual cost of product procurement. Unique Wood Solution has agreed to it. Investors will be getting a net of 11.33% 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 June 2027 বিনিয়োগের সময়কাল এই বিনিয়োগটি ৮ মাসের জন্য, যা নভেম্বর ২০২৬ থেকে জুন ২০২৭ পর্যন্ত কার্যকর থাকবে বলে আশা করা হচ্ছে। প্রত্যাশিত ROI (বিনিয়োগের উপর রিটার্ন) বিনিয়োগ থেকে প্রত্যাশিত আয় (ROI): ১১.৩৩% বিনিয়োগে প্রত্যাশিত আয় (ROI): ১৭% (বার্ষিক) সফলভাবে অর্থ পরিশোধের পর biniyog.io বিনিয়োগকারীদের কাছ থেকে ০.৬০% সফলতা ফি নেবে। উদাহরণ: যদি কোনো বিনিয়োগকারী ১,০০,০০০ টাকা বিনিয়োগ করেন এবং ৮ মাস পর ১২,০০০ টাকা লাভ করার প্রত্যাশা করেন; তাহলে biniyog.io পরিশোধিত অর্থের উপর ০.৬০% (সাকসেস ফি গণনার পদ্ধতির পরিবর্তনের কারণে এই শতাংশ সামান্য পরিবর্তিত হতে পারে) চার্জ করবে, অর্থাৎ সাকসেস ফি হিসাবে ৬৬৬.৬৭ টাকা কেটে নেওয়া হবে। এর মানে হলো, বিনিয়োগকারীরা নিট লাভ হিসাবে ১১,৩৩৩ টাকা রাখতে পারবেন। চুক্তির শর্ত বিনিয়োগকারীরা ইউনিক উড সলিউশন-এর সাথে শরিয়াহসম্মত কাঠের কাজ করার যন্ত্রপাতি পণ্যের জন্য একটি মুরাবাহা/বাই মুয়াজ্জাল চুক্তিতে (বিক্রয় চুক্তি) আবদ্ধ হবেন। এটি একটি \"ক্রয়-বিক্রয়\" প্রক্রিয়া হবে, যেখানে বিনিয়োগকারীরা প্রথমে biniyog.io-এর মাধ্যমে পণ্য কিনবেন। এরপর ইউনিক উড সলিউশন বিনিয়োগকারীদের কাছ থেকে বাকিতে সেই পণ্যগুলো কিনবে এবং ৮ মাসের মধ্যে মূল্য পরিশোধ করবে। biniyog.io বিনিয়োগকারীদের এজেন্ট হিসেবে কাজ করবে এবং তাদের পক্ষ থেকে পণ্যটি ক্রয় করে, সম্পদের প্রয়োজনীয় মালিকানা ও দখলের ঝুঁকি গ্রহণ করবে এবং তারপর Unique Wood Solution-এর কাছে তা বিক্রি করবে। biniyog.io পণ্য সংগ্রহের প্রকৃত খরচের উপর ন্যূনতম ১২% মুনাফা বিবেচনা করে Unique Wood Solution-কে পণ্যগুলির জন্য একটি মূল্য প্রস্তাব করেছে। Unique Wood Solution এতে সম্মত হয়েছে। বিনিয়োগকারীদের মুনাফার উপর biniyog.io-এর পরিষেবা চার্জ বাদ দেওয়ার পর বিনিয়োগকারীরা মোট ১১.৩৩% মুনাফা পাবেন। বিনিয়োগকারীরা উল্লিখিত সময়কালে নিম্নলিখিত কাঠামোতে তাদের রিটার্ন পাওয়ার আশা করতে পারেন: জুন ২০২৭ এর মধ্যে ১০০%",
  "fundUtilizationScope": {
    "bn": "কাঠ প্রক্রিয়াজাতকরণের যন্ত্র ",
    "en": "woodworking machinery"
  },
  "protectionPoolChargeFee": [
    {
      "startingFrom": 4400,
      "protectionPoolFeeRate": 1
    },
    {
      "startingFrom": 100000,
      "protectionPoolFeeRate": 1.5
    }
  ],
  "previousRepaymentHistorySummary": null
}