6 months

Min. Investment

৳ 10,000

Projected ROI

16% per annum

Risk Grade



Ahlan Agro is a growing cattle business who has already worked 4 times with biniyog.io in the past 2 years. They will purchase cattles from biniyog.io’s investors at credit, rear them with organic feed targeting Eid-ul Adha.

They have raised over 1 crore lac in 4 campaigns so far. They are planning to purchase bulls to serve their weekly orders. This is a halal buy-and-sell campaign, and investors will be able to enjoy a projected ROI of 8%* for an investment period of 6 months (16%* annualized).

*subject to investment risk (details below)

Bosila, Dhaka, Bangladesh

Ahlan Agro [5]

৳ 1,841,999 Raised
৳ 30,000 Being Processed
1 Day Left
Goal: ৳ 3,000,000
Minimum amount is ৳ 10000 Maximum amount is ৳ 900000
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By Saif
61 Campaigns | 0 Loved campaigns

The Business

Accordion Content

Ahlan started their business in 2015 with organic products and spices. Over the years, they have ventured into organic food items, restaurants (Beefwala) and cattle.

In 2021, the business explored the Qurbani project by rearing around 19 cattle for 2 months prior to Eid and also renting out the shed to 100+ cattle. During the Eid-ul Adha 2022, they purchased 24 bulls using financing from biniyog.io, this time they reared the cattle for 4+ months.

In 2023, the business managed to rear and sell close to 60 cattle during the Qurbani season. Besides, they have set up a shed with a capacity to keep 100+ cows at a time. They also have weekly delivery service of meat to cater to B2B and B2C demand. Their B2B clients include established clients like Sobuj Uddyog, Safe Food, Daily Food Shop, Khaas Food etc.

The business promises to deliver beef meat to consumers free from steroids, growth hormones, antibiotics and are given organic diet only. They are located in Bosila and investors are free to visit their premises.


Cattle Farm & Organic Food Shop | Restaurant 

Address: Ahlan Agro, Bosila Garden City, Hakkar Par, Bosila, Mohammadpur (Near Meghdubi Agro, opposite of Simba Agro) | Google Map Link

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.

 How is ‘fixed returns’ halal?

This is a sale contract (Murabaha) approved by our Shariah advisors, where investors will purchase products first (biniyog.io will facilitate the purchase), and then sell to Ahlan Agro at a mark-up. This mark-up amount against sold products is the fixed return / profit for investors.

Details under “Contract conditions” and “Possession of Assets” part below.

Mr. Abul Hasnath (Sagor), owner of Ahlan Agro, started his own venture as a side-project in 2015, while working for an autonomous institution. He is the founder of Zosh Gear, Baggaging and Ahlan. He completed his BBA and MBA from IBA (Jahangirnagar University).

Given his academic and family background, he always had a keen interest in business and this passion has led him to grow Ahlan over the years. Mr Sagor wants to leave an impact with quality products and service in the food industry.

He currently runs multiple businesses under Ahlan Corporation, which includes cattle, selling organic items through his shop, customized bags for B2B customers and perfume business.

  • Established customer base regularly purchasing fresh meat (individuals and businesses)
  • Planned approach with clear selling proposition to return investor funds
  • Owner with good market reputation & networking

The Contract

Accordion Content

The investment is for a period of 6 months, from April 2024 to October 2024.

Projected ROI (for the duration of project): 8%
Projected ROI (annualized): 16%

Example: if someone invests BDT 100k in the project, he/she can expect to receive a total of BDT 108k in October 2024.

biniyog.io will be charging investors an 5.88% fee on their profits. Example: If an investor invests BDT 100k and makes a profit of 8.5k in 6 months, biniyog.io will charge 0.5k as a service fee. This means investors will be keeping 94.12% of the profits generated. The net ROI for the investors will be 8% for 6 months (16% annualized) after deducting biniyog.io’s fee.

  • Investors will go into a Murabaha agreement (sale contract) with Ahlan Agro
  • It will be a “buy-and-sell” process where investors first buy the bulls through biniyog.io, and Ahlan Agro will be buying bulls from investors at a markup price and pay the amount after 6 months.
  • biniyog.io will act as an agent for the investors and buy the products and take necessary ownership and risk of asset possession on their behalf, and then sell to Ahlan Agro
  • biniyog.io has proposed that a markup price of 8.5% on actual cost will be charged to the business for each bull, and Ahlan Agro has agreed that it’s a fair price for both the business and the investors. Investors will be getting a net of 8% ROI after deducting biniyog’s fee from investor profit. 
  • Investors can expect to get their returns over 6 months in 1 installment:
    • 100% in October’ 2024

Shariah Compliance

Accordion Content

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 a “buy-and-sell” (Murabahah) agreement.

Approval from Scholars: biniyog.io‘s Shariah advisors have approved the basis and application of these Murabahah contracts.

Potential Risks

Accordion Content
  • Death of an asset: Livestocks bear the risk of sudden death. In such cases, business incurs a loss of capital.
    • Ahlan Agro’s strategy: After purchase, the business gets the livestock checked by good vets. Having proper veterinary services available reduces the chance of death of livestocks significantly.
  • Not getting expected growth after rearing: There is a chance of not getting the expected level of growth after rearing the bulls for the targeted timeline. This may impact the profit margin of the business.
    • Ahlan Agro’s strategy: The owner, Mr. Sagor Hasnath, has good experience in this line of business. He has over 4 years of experience of rearing and selling bulls. The business will be purchasing cattles with necessary filtering, therefore, ensuring the expected growth of the cattles can be achieved.
  • High sourcing cost & OPEX driving down profit margin: The cattle market has become quite volatile nowadays due to some unexpected market practice. On top of it, the operational cost of operating a cattle farm is increasing day by day as well, mainly due to the current inflationary pressure in the economy.  
    • Ahlan Agro’s strategy: The business has opened a shop where milk, honey, flour, fresh meat, bull organs, cooking oil, perfume, dates, etc. are sold. Their bag production business also helps to manage overhead costs. Moreover, the business has opened a restaurant named Beefwala adjacent to the cattle farm to attract and entertain more customers. Such different business wings have opened the business to a diversified stream of revenues and also spread operational costs.    

biniyog.io will buy the products on behalf of investors first and secure ownership. Ahlan would have the right to reject the products due to quality etc. The risk is expected to be minimal since Ahlan will choose the items before biniyog.io buys them.

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

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, with a chance of delay of 2-4 weeks. The delay is considered because the business may not be able to get the cash ready altogether, which we have experienced before. This is why there is a 4 month stretch after Eid-ul Adha so that the business can encash unsold cows through their regular meat-selling channel of the restaurant business. This is considering that no extraordinary macroeconomic effect takes place like pandemic, war, extreme political unrest and lockdown, etc.

Ahlan Agro will share instalment cheques with biniyog.io. A security cheque will also be kept from the business owner. A guarantor will also be introduced in the contract for adding an extra layer of safety.


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.

  • 02-04-2024

    This campaign is now live on biniyog.io!

    The funding campaign has started. The target is BDT 30 lac.