4 months

Min. Investment

৳ 10,000

Projected ROI

17% annualized

Risk Grade



ADI Shop is an online based organic food seller eg: Honey, Chia Seeds, Moringa Powder, Pink Salt. The business’s main focus is on different types of Honey which they collect from root level honey farmers. The funds will be used to buy honey directly from  honey farms in bulk quantity. 

This is a “buy-and-sell” (Murabahah) contract where investors can enjoy an ROI of 5.67%* over 4 months (annualized expected return of 17%).

*subject to investment risk (details below)

Mohammadpur, Dhaka, Bangladesh

ADI Shop

৳ 599,936 Raised
৳ 0 Being Processed
0 Days Left
Goal: ৳ 600,000
The campaign is successful.
By Nerob
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The Business

Accordion Content

ADI Shop is an online based organic food business that sells products to all over Bangladesh. The business sells different types of honey, pink salt, chia seeds, moringa powder, ghee, mustard oil etc. Honey is the blockbuster product of the business.. The business collects honey directly from  honey farmers. After necessary purifying, processing and packaging, the business sells it to the direct consumer. 

The business started its journey in 2017, on a very small scale and till date the business has 200 plus daily orders. As in the winter there is increasing demand for honey, the business wants to raise funds to cater the rising demand in the market. 

Shop + Warehouse Address: H-38, Block-D, Main Road, Dhaka Uddan. 

Explore: Facebook shop page


💡 Is the business Shariah-compliant?

The business model (Selling honey and organic food 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 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. 

Md Jubaer Hossen the owner of ADI Shop completed his Masters in Finance in 2011, then he joined an IT Farm as an Admin officer, where he served from 2012-2016. Later, he worked in a Garments as an Audit officer for (4-5) months. After that, he started this business named ADI Shop in 2017-2018 . Also he started a Madrasha in his hometown (Dinajpur), also the owner has a plan to open a school in his hometown.

  • Direct involvement in procurement to ensure standard quality of products.
  • A call center to acquire customers and store customer data to use in future to generate sales and for feedback. 
  • 200+ daily orders from all over the country.

The Contract

Accordion Content

The investment is for a period of 4 months, from December 2023 to April 2024.

Projected Return on Investment (ROI): 5.67%

Projected annual ROI: 17%

biniyog.io will charge the investors 5.56% of the profit for this service. 

Example: if someone invests BDT 100k in the project, he/she can expect to receive a total of BDT 106k by the end of April 2024.

biniyog.io will be charging investors an 5.56% fee on their profits. Example: If an investor invests BDT 100k and makes a profit of 6k in 4 months, biniyog.io will charge 0.33k as a service fee. This means investors will be keeping 94.44% of the profits generated. The net ROI for the investors will be 5.67% for 4 months (17% annualized) after deducting biniyog.io’s fee.

  • Investors will go into a Murabahah agreement (sale contract) with ADI Shop for purchasing original honey collected from vendors. 
  • It will be a “buy-and-sell” process where investors will first buy products through biniyog.io. ADI Shop will then buy those items from investors on credit and pay the amount over 4 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 ADI Shop.
  • biniyog.io has proposed a price to ADI Shop for the products after considering a minimum 6% profit on actual cost of product procurement. ADI Shop has agreed to it. Investors will be getting a net of 5.67% profit after deducting biniyog.io’s service charge on investor profit.
  • Investors can expect to get their returns over 4 months.

Shariah Compliance

Accordion Content

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” (Murabahah) agreement.

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

Potential Risks

Accordion Content
  • Price hike: Prices of commodities is going up regularly. The honey market is not completely safe from such impact. Prices going up by a significant margin might end up hurting the total revenue and the net profit of any business.
    • ADI Shop’s strategy: The business will be buying the products before the inception of the peak season. Moreover the business pre-orders honey to mitigate the price hike of peak season. 
  • Negative marketing on social media: This is the most risky part of this business, as ADI shop is an online based business therefore any kind of negative review because of unhealthy competition may affect the business’s brand value.       
    • ADI Shop’s strategy: The business avoids paid marketing and ensuring product quality is one of the main concerns. 
  • Fluctuating Dollar rate: ADI Shop is an online based business, and for online business’s facebook marketing is a necessary part of it to reach its customers. Rising dollar price may increase its cost of marketing and affect the cost of goods sold indirectly. 
    • ADI Shop’s strategy: To mitigate the risk of high dollar price the business is trying to lower the dependency on facebook marketing, rather the business has established a call center and store customers data for future marketing via phone call and messages.
  • Possibility of political turmoil following the upcoming election: Our assessment assumes that there will be some macroeconomic turmoil towards the end of 2023 before the general election. This may impact any business. 

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 come into play.

biniyog.io will buy the products on behalf of investors first and secure ownership. ADI Shop will act as a buying agent for honey. The products will then be handed over to ADI Shop within a very short time frame.

ADI Shop would have the right to reject the products due to quality etc. The risk is expected to be minimal since ADI Shop themselves will be choosing the items before biniyog.io buys them.

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

ADI Shop will share a personal guarantee security cheque with biniyog.io. Moreover, a guarantor will be introduced in the contract to add an extra layer of security 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.

  • This campaign is now live on biniyog.io!

    This campaign is now live on biniyog.io! The funding campaign has started. The target is BDT 6 lac.