{
  "riskGrade": "B+",
  "fundRaised": 308348,
  "highlights": [
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    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/2.jpg",
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    "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",
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  ],
  "shortIntro": "Serving orders from renowned pharmaceutical clients through consistent work-order orders.",
  "riskDetails": [
    {
      "text": "Supply Chain Disruptions: Any disruption, such as price hikes in the most selling items, delays from suppliers, shipping delays, etc. could hinder the delivery timelines particularly during high-demand periods. 📌Nuventa’s Strategy: The business has a considerably large supplier base. Moreover, they have some regular suppliers as well. As a result, the business is able to keep any unexpected price fluctuations at a tolerable point. Delayed payments from the customers: Delayed payment from the customers may create cash shortage for the business which will affect the smooth trading and procurement cycle of the business ultimately. 📌Nuventa’s Strategy: The business serves work-orders of renowned pharmaceutical companies. Moreover, the business enjoys the option of getting advance payments in some cases. The directors of the business also have a good level of networking within the industry which gives them ample scope to filter out clients with good payment history. Chances of product getting damaged during shipment and natural disaster: The business has to bear product damages during shipment which will ultimately result in a drop in the profitability. A point to be noted here is that the investors of this campaign will have to bear the shipping risk for their purchased products in case required due to the current operational process of the business. If the product handover can be done before the shipment from abroad, investors will not have to bear the shipping risk. Biniyog’s compliance team and Nuventa’s purchase team will work on this process together for a smooth execution. 📌Nuventa’s Strategy: This factor can affect any business. However, the business has been handling such operations for 4+ years now. So, they already have a well-built process for handling such operations.",
      "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.",
      "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 Nuventa Limited within a very short time frame. Nuventa Limited 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": "Nuventa Limited will share installment cheques with biniyog.io. A guarantee security cheque will also be kept from the business owner. Additionally, the business will introduce a guarantor / multiple guarantors in the contract for adding an extra layer of security.",
      "type": "Security"
    }
  ],
  "businessName": "Nuventa Limited",
  "contractType": "MURABAHA",
  "projectFocus": "Pharmaceutical equipment",
  "fundingTarget": 1500000,
  "fundProcessing": 1136431,
  "projectedROIMax": 4.125,
  "projectedROIMin": 4.125,
  "ownerDetailsText": "Written by Managing Director: Kamalesh Halder Mr. Kamalesh Halder is an accomplished strategic business leader with a strong academic foundation and extensive professional experience in pharmaceutical marketing and sales, gained through progressive mid-level and senior management roles. Academic Background MBA in Marketing: Institute of Business Administration (IBA), University of Dhaka. MSc in Microbiology: University of Dhaka. BSc (Honours) in Microbiology: University of Dhaka. Professional Experience & Expertise Corporate Leadership: Beyond his corporate career at ACI Limited, Mr. Halder has been actively engaged in international trade and consultancy since April 2014. Academic Contribution: He served for eight years as a faculty member in the Department of Genetic Engineering and Biotechnology at the University of Dhaka. Diverse Sector Focus: While his primary expertise is in the pharmaceutical industry, he has a strong focus on business development across healthcare, food, agriculture, and apparel sectors. Board Membership: He serves as a Director on the Board of Innovision Global Consulting Limited, which manages economic development projects worldwide. Role at Nuventa Limited At Nuventa Limited, Mr. Halder leads a highly experienced pharmaceutical techno-marketing team. He is endowed with deep expertise in strategic business planning, brand development and marketing strategy, promotional planning and sales execution. His leadership is pivotal in driving sustainable growth and market expansion, with a dedicated goal of establishing Nuventa Limited as the most trusted technology solution provider in Bangladesh.",
  "maximumInvestment": 600000,
  "minimumInvestment": 5000,
  "campaignRepayments": [
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-01-30T11:30:00.000Z",
      "instalmentNumber": 1,
      "minExpectedAmount": 1561875
    }
  ],
  "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/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 Sourcing products from manufacturers / first level sellers enabling better margins. Considerably short credit windows (mostly 90-120 days) with scope of getting advance payments against orders. Mostly serving renowned pharmaceutical businesses. Introduction to the Business Written by Business Nuventa Limited is a fast-growing scientific and healthcare solution provider in Bangladesh, dedicated to supplying a comprehensive range of high-quality products and services. We are a reliable and trusted partner for pharmaceutical, biopharmaceutical, animal health, healthcare, life sciences, research, food, agrochemical, textile and industrial sectors. We supply a wide range of products and solutions for QC, QA, R&D, engineering, production, research and testing laboratories, including laboratory instruments and equipment, spare parts, consumables, reagents, CRS, CRM, impurities, chemicals, life science and microbiology products, chromatography columns and accessories, APIs, excipients and packaging materials, process machinery and lab furniture. We also provide medical and diagnostic equipment, devices, IVD analyzers, reagents and testing kits to hospitals, clinics, and diagnostic centres. We work with both private and government organizations, supporting local and multinational companies. Nuventa maintains strong relationships with leading global manufacturers, technology providers, and service partners. Our associate office in the UK works closely with reputed companies worldwide, enabling us to source high-quality products from the UK, Europe, and the USA for pharmaceutical, life sciences and medical sectors in Bangladesh. Nuventa Limited is an ISO 9001:2015 Certified Company. We strictly follow a robust quality management system across all our operations to ensure consistent product quality, reliable services, and customer satisfaction. Our Vision is to be the most trusted supplier of high-quality products and services in pharmaceutical, agrochemical, food, textile, cosmetic, healthcare, Hospital, diagnostic, life sciences, and research sectors—contributing to the well-being of the people of Bangladesh. Our Mission is to leverage our national and international experience and expertise to achieve our vision by continuously improving the quality, functionality, and efficiency of our products and services—delivering the best solutions to our customers. Office Address: Navana Zohura Square C-7, Level: 7, 28, Kazi Nazrul Islam Avenue, Banglamotor Dhaka-1000, Bangladesh Explore: Facebook | LinkedIn | Website FAQ: 💡 Is the business Shariah-compliant? The business model (selling pharmaceutical and lab equipment) 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 3 months, expected to be completed by January 2027. Projected ROI (Return on Investment) Projected Return on Investment (ROI): 5% (actual) Projected Return on Investment (ROI): 16.5% (annualized) biniyog.io will charge a 0.83% success fee (this % may slightly vary due to changes in calculation) on the repayment amount Example: If an investor invests BDT 100,000 is expected to make a profit of BDT. 5,000 over the mentioned period; biniyog.io will charge 0.83% success fee on the repayment amount meaning BDT. 875 will be deducted as the success fee. This means investors will be keeping BDT. 4,125 as net profit. The net ROI for the investors will be 4.125% over the mentioned period after deducting biniyog.io’s success fee. Contract Condition Investors will go into a Murabaha/Bai'Muajjal agreement (sale contract) with Nuventa Limited for purchasing laboratory products for pharmaceutical labs. It will be a “buy-and-sell” process where investors will first buy the products through biniyog.io. Nuventa Limited will then buy those items from investors on credit and pay the amount after the mentioned period. 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 Nuventa Limited. biniyog.io has proposed a price to Nuventa Limited for the products after considering a minimum 5% profit on the actual cost of product procurement. Nuventa Limited has agreed to it. Investors will be getting a net of 4.125% profit after deducting biniyog.io’s service charge on investor profit. Investors can expect to get their returns in the following installment. 🗓️ 100% by the end of January’ 2027 বিনিয়োগের সময়কাল এই বিনিয়োগটি ৩ মাস মেয়াদী এবং এটি ২০২৭ সালের জানুয়ারি নাগাদ সম্পন্ন হবে বলে আশা করা হচ্ছে। প্রত্যাশিত ROI (বিনিয়োগের উপর রিটার্ন) বিনিয়োগে প্রত্যাশিত আয় (ROI): ৫% (প্রকৃত) বিনিয়োগে প্রত্যাশিত আয় (ROI): ১৬.৫% (বার্ষিক) biniyog.io পরিশোধিত অর্থের উপর ০.৮৩% সফলতা ফি ধার্য করবে (গণনার পরিবর্তনের কারণে এই শতাংশ সামান্য পরিবর্তিত হতে পারে)। উদাহরণ: যদি কোনো বিনিয়োগকারী ১,০০,০০০ টাকা বিনিয়োগ করেন এবং উল্লিখিত সময়কালে ৫,০০০ টাকা লাভ করার প্রত্যাশা করেন; তাহলে biniyog.io পরিশোধিত অর্থের উপর ০.৮৩% সাকসেস ফি চার্জ করবে, অর্থাৎ সাকসেস ফি হিসাবে ৮৭৫ টাকা কেটে নেওয়া হবে। এর মানে হলো, বিনিয়োগকারীরা নিট লাভ হিসাবে ৪,১২৫ টাকা রাখবেন। biniyog.io-এর সাকসেস ফি বাদ দেওয়ার পর উল্লিখিত সময়কালে বিনিয়োগকারীদের জন্য নিট ROI হবে ৪.১২৫%। চুক্তির শর্ত বিনিয়োগকারীরা ঔষধ গবেষণাগারের জন্য পরীক্ষাগার পণ্য ক্রয়ের উদ্দেশ্যে নুভেন্টা লিমিটেডের সাথে একটি মুরাবাহা/বাই'মুয়াজ্জাল চুক্তিতে (বিক্রয় চুক্তি) আবদ্ধ হবেন। এটি একটি \"ক্রয়-বিক্রয়\" প্রক্রিয়া হবে, যেখানে বিনিয়োগকারীরা প্রথমে biniyog.io-এর মাধ্যমে পণ্যগুলো কিনবেন। এরপর নুভেন্টা লিমিটেড বিনিয়োগকারীদের কাছ থেকে বাকিতে সেই পণ্যগুলো কিনবে এবং উল্লিখিত সময় পরে অর্থ পরিশোধ করবে। biniyog.io বিনিয়োগকারীদের এজেন্ট হিসেবে কাজ করবে এবং তাদের পক্ষে পণ্যগুলো ক্রয় করবে, সম্পদের প্রয়োজনীয় মালিকানা ও দখলের ঝুঁকি গ্রহণ করবে এবং তারপর নুভেন্টা লিমিটেডের কাছে তা বিক্রি করবে। biniyog.io পণ্য সংগ্রহের প্রকৃত খরচের উপর ন্যূনতম ৫% মুনাফা বিবেচনা করে Nuventa Limited-কে পণ্যগুলির জন্য একটি মূল্য প্রস্তাব করেছে। Nuventa Limited এতে সম্মত হয়েছে। বিনিয়োগকারীদের মুনাফার উপর biniyog.io-এর পরিষেবা চার্জ বাদ দেওয়ার পর বিনিয়োগকারীরা মোট ৪.১২৫% মুনাফা পাবেন। বিনিয়োগকারীরা পরবর্তী কিস্তিতে তাদের রিটার্ন পেতে পারেন। ২০২৭ সালের জানুয়ারির শেষ নাগাদ ১০০%",
  "fundUtilizationScope": {
    "bn": "ঔষধ শিল্প পণ্য এবং ল্যাব সরঞ্জাম",
    "en": "Pharmaceutical products and lab equipment"
  },
  "protectionPoolChargeFee": [],
  "previousRepaymentHistorySummary": "The business has completed 100% repayment of the first campaign on time."
}