9 months

Min. Investment

৳ 10,000

Projected ROI

16%-18% (annualized)

Risk Grade



Adeffi is an out-of-home advertising agency. The business is looking to raise working capital for a third time to cater to a new work order from a renowned company. They are looking for investment for a period of 9 months and will be sharing the campaign profits with investors at an annualized ROI between 12%-13.5% (16%-18% annualized).

Individual investors will be eligible to receive the principal along with profits (if any) after the end of the investment period.

*Subject to investment risk (details below)

Banani, Dhaka, Bangladesh

Adeffi (StickerDriver) [3]

৳ 1,290,050 Raised
৳ 0 Being Processed
0 Days Left
Goal: ৳ 1,500,000
The campaign is successful.
By Saif
62 Campaigns | 0 Loved campaigns

The Business

Accordion Content

Adeffi Limited is the first Bangladeshi Ride-Share Car Advertising company powered by Gig Economy. Started in January 2020, their innovative business model has so far helped them register more than 10,000 vehicles on their platform, displaying some of the leading brands in the country. 

Their OOH (Out of Home) advertising campaigns can be tracked real-time using a driver’s app, which provides: 

  • Location
  • Route Travelled
  • Distance Covered
  • Impressions generated
  • Weekly picture of car’s condition

Currently, they are operating in Dhaka, Chittagong, Khulna and Sylhet.


Registered office: House: 2, Road: 28, Block: K, Banani, Dhaka

They have completed two investments (Fundraising campaign 1 & Fundraising campaign 2)  with biniyog.io already. The business has previously raised US $200,000 in investment from different sources.

The business needs financing for serving a large work-order issued by a renowned business organization of Bangladesh.


CEO: Binoy Barman
Mr. Binoy Barman is Co-Founder and CEO of Sticker Driver – First Bangladeshi ad-tech platform that connects brands with vehicles.

He is working to power up an app-based gig economy startup to take the responsibility on behalf of brands to advertise their products or services more effectively and efficiently than any other marketing platform in Bangladesh.

He has 6 years of practical knowledge on Marketing, Advertising, Branding, Data Mining and Mobile Apps.

He has created the “Civil Structural Health Monitoring System” (Funded by the ICT Division) which is another first in Bangladesh.

  • Already completed two investments with biniyog.io
  • Experience of the market with first mover’s advantage
  • Diverse portfolio of distinguished brands as customers e.g. Square, Pathao, Shell, Daraz, Lalamove are the current top clients of Adeffi  
  • Good profit margin level on the work-orders
  • Consistent Work-orders from reputed companies

The Contract

Accordion Content

The investment is for a period of 9 months, from the second week of Oct 2023 to the second week Jul 2024.

Projected ROI (for 4 months): 12%-13.5%
Projected ROI (annualized): 16%-18%

Example: if someone invests BDT 100k in the project, he/she can expect to receive a total of BDT 112k – 113.5k by the second week of July 2024.

Beginning of investment:

    • Investors will go into a Musharaka agreement (partnership) with Adeffi Limited
    • It will be a profit-sharing contract, where Adeffi Limited will be using the investment amount as working capital to cater to a work order.
    • biniyog.io will act as an agent for the investors and collect necessary funds and deposit to the business account of Adeffi Limited
  • biniyog.io will follow-up Adeffi to ensure that the funds are being used to cater to that work order
  • biniyog.io has proposed a 70: 30 split of the net profit generated during the specific work order and Adeffi has agreed to it and investors will get 16-18% annualized ROI

End of Investment:

  • Investors will be eligible to get the principal and profits (if any) from the financed work order within the mentioned investment period.
  • biniyog.io will verify the costs associated with completing the particular work order before calculating the final profit
  • The principal investment amount along with profit or loss will only be returned to the investor at the end of the investment period
  • If the business incurs net loss over the period of 9 months for this work order, investors will have to share loss as per the % of loss incurred

Shariah Compliance

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Investors invest into the business under a partnership (Musharakah) agreement that makes them eligible for receiving profits generated by the business. biniyog.io will act as an agent to deal on their behalf (Wakalah).

biniyog.io‘s Shariah advisors have approved the basis and application of this Musharakah contract.

Potential Risks

Accordion Content
  • Price volatility of raw materials: Prices of raw materials have been significantly volatile since the outbreak of the pandemic and the Russia-Ukraine war. Considering the current state of dollar reserve, imports of any sort of products may get hampered. However, this will not just impact Adeffi in particular, but almost all kinds of businesses.
  • Payment Default / Delay: Repayments may get delayed if external factors impact the economy. In case of delay of the payment, Adeffi will try to repay the investors back from payments received from their other work orders. This may significantly impact the business’s expected profit margin from this work-order.
    • Adeffi’s strategy: The work orders served by the business are financed from reputed brands. Therefore, chances of payment default by such clients is considerably low. Moreover, the business has been able to maintain a good reputation of delivering quality work to its clients. Therefore, the chance of not being able to deliver expected quality of work is considerably low.
  • Political instability: Our assessment assumes that there will be some macroeconomic turmoil towards the end of 2023 before the general election. This may impact any business. Vehicle advertising business may have more impact than other businesses

To ensure Shariah-compliance, investors have to share a portion of losses (if incurred) over the investment period based on their capital contribution in the business.

For example, if someone invests BDT 10,000 and the business incurs a loss of 5%, the investor will have to bear a loss of 2.41% . So they will get back around BDT 9,759.

This is a necessary risk to ensure Shariah compliance of the transaction.

Adeffi will be sharing a security cheque with biniyog.io. A guarantor will also be introduced in the contract for adding an extra layer of safety for the investors.


This investment opportunity is based on a first come first serve basis. Your investment is secured only after your transfer-proof has been received. If the investment quota is already filled, your transferred amount shall be returned.

Return of your capital is NOT guaranteed. Investment, by default, requires a risk appetite. Past performance is not a guaranteed indicator of future outcomes.

biniyog.io only acts as a consultant to the investor and the business, and does NOT manage funds for any party.

biniyog.io does risk assessment to a certain extent, but will NOT be liable if the business does not perform as per expectation.

For any questions, please use the chat icon on the right or leave a message.

  • 27-09-2023

    This campaign is now live on biniyog.io!

    The funding campaign has started. The target is BDT 15 lac.