4 months

Min. Investment

৳ 10,000

Projected ROI

16% Annualised

Risk Grade



AZLANTH is an import-based wholesale business selling baby care items such as diapers,and baby milk powder, etc. The business is seeking funds to purchase products from overseas. 

This is a “buy-and-sell” (Murabahah) contract where investors can enjoy an ROI of 5.3%* over 4 months (annualized expected return of 16%).

 *subject to investment risk (details below)

Uttara, Dhaka, Bangladesh


৳ 3,548,483 Raised
৳ 300,000 Being Processed
0 Days Left
Goal: ৳ 2,500,000
The campaign is successful.
By Nerob
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The Business

Accordion Content

Written by the Azlanth

Back in 2014, Azlanth established and originally operated as a retail shop in Banani. Since 2019, it has transformed into an Importer and Distributor of essential baby Care products and selling in whole Dhaka City and through wholesaler and E-commerce site. As the demographic landscape in Bangladesh has drastically changed, there is a huge demand for imported baby care commodity items among them in our country. The Business addresses the escalating demand for imported baby commodities and sourcing these items from Malaysia. 

Yet, the current economic upsurge in inflation has compelled the Business to seek financial recourse through biniyog.io, owing to the necessity of increased capital for procurement, driven by the challenge of diminished import capabilities due to the foreign currency exchange dynamics. Furthermore, the unforeseen intricacies of Letter of Credit margins have presented a fresh set of complexities. Nevertheless, Azlanth’s finesse in maintaining profit margins assures not only the sustainability of operations but also punctual compliance with their financial obligations.

Address : House 47 (Ground Floor), Road 9/B, Sector 5, Uttara,  


💡 Is the business Shariah-compliant?

The business model (selling baby care 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.

Written by the business

Sayeed Mohammad Muntakim, presently serving as the Business Development Manager at Azlanth, holds a Bachelor of Science in Information & Telecommunication Engineering from Southeast University in 2009. His professional journey commenced as a Telecommunication Engineer with National Phones Ltd.

Since 2014, Sayeed has diligently pursued a career in Foreign Commodity Trading, amassing extensive expertise in importing a diverse range of products, spanning toiletries, cosmetics, foods, beverages, perfumes, and more. A well-established network of foreign suppliers and robust relationships with local buyers within the Bangladeshi market marks his professional journey.

Sayeed Mohammad Muntakim’s profound understanding of the intricacies of banking and customs clearance procedures enhances Azlanth’s operational efficiency. Azlanth, under his guidance, envisions an expansion of its product range to encompass a broader spectrum of baby-related items while prioritizing the maintenance of year-long stock availability to cater to the evolving needs of their clientele.

  • All instant payments, no credit sales.
  • Contract with 3 e-commerce (PandaMart, Chaldal, Daraz) Platform to sell his product.
  • Owns a broad distribution channel all over Dhaka City with Wholesaler.   
  • The owner has vast experience and specialization in import and customs clearance operations.
  • Established relationships with overseas suppliers and exporters. 

The Contract

Accordion Content

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

Projected ROI: 5.33% 

Projected ROI (annualized): 16% Annualized

Example: If someone invests BDT 100k in the project, he/she can expect to receive a total of BDT 105.33 k by March’ 24.

biniyog.io will be charging investors a 11.11% fee on their profits. Example: If an investor invests BDT 100k and makes a profit of 6k in 4 months, biniyog.io will charge 0.667k as service fee. This means investors will be keeping 88.89% of profits generated. The net ROI for the investors will be 5.33% for 4 months (16% annualized) after deducting biniyog.io’s fee.

  • Investors will go into a Bai Muajjal agreement (sale on credit contract) with AZLANTH for Importing Baby Care Products.
  • It will be a “buy-and-sell” process where investors will first buy the products through biniyog.io. AZLANTH will then buy those items from investors on credit and pay the amount after 4 months.
  • 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 AZLANTH.
  • biniyog.io has proposed a price to AZLANTH for the products after considering a minimum 6% profit on the actual cost of product procurement and AZLANTH has agreed to it. Investors will be getting a net of 5.3% 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 Bai Muajjal agreement. 

Approval from Scholars: biniyog.io‘s  Shariah advisors have approved the basis and application of this Bai Muajjal contract.

Potential Risks

Accordion Content
  • Foreign Currency Exchange Rate: Uncertain Fluctuation of the dollar rate can increase the price and cost of imported products.This may result in notable drop in sales and profit margin. 

AZLANTH’s Strategy: The business normally stores the bulk products in their warehouse. The business has good connections with the suppliers allowing the business to achieve information advantage. 

  • Inflation and macroeconomic issues: The current devaluation of Bangladeshi Taka is a great matter of concerns for any kind of business. Moreover, the purchasing power of customers plays a major role in the industry that AZLANTH is operating in. Any uncertain situations can result in significant downward hurtle in sales.  

AZLANTH’s Strategy: The business is looking for funds to purchase only the most demanding product (baby diaper). Moreover, the business has an established sales channel that enables them to sell the products smoothly. 

  • High competitiveness in the market: The availability of information makes the market very competitive. Moreover, threats of new entrants in the market have also increased. So, there is always a possibility that the business may lose its market shares. This will ultimately result in a significant drop in sales. 

AZLANTH’s Strategy: The Business has established relationships with several customers (retailers) all over Dhaka. Moreover, the business already has a good level of demand for its products among its current customers.  The business has also established a retail distribution channel in Uttara.

  • 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 considering their cash flow.

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

AZLANTH will share a security cheque. 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.

  • 18-11-2023

    This campaign is now live on biniyog.io!

    The funding campaign has started. The Primary Goal is BDT 25 lac and Stretch Goal of BDT 35 lac