6 months

Min. Investment

৳ 10,000

Projected ROI

16% per annum

Risk Grade



3 installments (Starting from the 3rd month)


বাতিঘর is a distributor and retailer of Walton, M.E.P. and Energypac energy bulbs. The business buys energy bulbs from the manufacturers directly at distributor price. The business needs funds for purchasing energy bulbs in bulk to avail a special discount from the manufacturing company. Investors can expect to get an ROI of 8%* over 6 months.

*Subject to investment risk (details below)

Ramnagar, Nilphamari, Bangladesh


৳ 200,000 Raised
৳ 0 Being Processed
0 Days Left
Goal: ৳ 200,000
The campaign is successful.
By Saif
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The Business

Accordion Content

বাতিঘর  sells energy bulbs at retail after buying them from manufacturers at wholesale. Being one of the main distributors and retailers of energy bulbs in Nilphamari, বাতিঘর  sells to practically every consumer in that region. With the exception of a very small number of consumers who pay off their credit purchases within one to seven days, all transactions are made in cash. The business buys energy bulbs in bulk from the factories directly then sells them from the shop/warehouse.

The business is planning to utilise this fund by buying energy bulbs in bulk from a manufacturer who is offering them to buy at a discounted price. This is a seasonal offer which is why the business needs some funds. With enough funds, the  business will be able to acquire bulbs in bulk and keep a good margin on it.    

Shop/warehouse address: Ramnagar, Post: Chayan Nagar Sadar, Nilphamari. 

💡 Is the business Shariah-compliant?

  • The business model (selling energy bulbs as a distributor and retailer) 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 Jahanur Sarkar is the proprietor of বাতিঘর . He has been involved in this business from the early stage of his life. He has been buying and selling energy bulbs for around 5 years now. He also has some other businesses such as construction, beef fattening farm, seasonal crop trading, etc. Most of his businesses are in Nilphamari. Having a lot of connections in different line of businesses has helped him to run his operations of different businesses smoothly. 

  • Multi-business owner with ample business experience and knowledge.
  • Providing a guarantor for ensuring highest assurance.

The Contract

Accordion Content

The investment is for a period of 6 months, from April 2023 to october 2023. Payment to be cleared by the  end of October ’23.

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

biniyog.io will NOT charge the investors any fees for this service. 

Example: if someone invests BDT 100k in the project, he/she can expect to receive a total of about BDT 108k within October 2023 in instalments. 

  • Investors will go into a Murabahah agreement (sale contract).
  • It will be a “buy-and-sell” process where investors will first buy products through biniyog.ioবাতিঘর  will then buy those items from investors on credit and pay the amount over 6 months in 3 instalments.
  • 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 বাতিঘর  .
  • biniyog.io has proposed a price to বাতিঘর   for the products after considering a minimum 8% profit on actual cost of product procurement. বাতিঘর   has agreed to it.
  • Investors can expect to get their returns over 6 months in 3 instalments:
    • 15% at the end of August’23
    • 15% at the end of September’23
    • Final 70% at the end of October’23

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 (Bai Murabaha) agreement.

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

Potential Risks

Accordion Content
  • 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.
  • Inflation and macroeconomic issues: Prices of materials are going up worldwide and coupled with the devaluation of taka, this is making products costlier. The significant price hike of the raw materials of making energy bulbs like plastics and other raw materials can affect the business badly.
    • বাতিঘর ’s strategy: The business will be buying energy bulbs in bulk from the manufacturing company directly which will allow them to avail bulbs at a discounted wholesale price. This will help the business to keep a good margin over the sales.
  • Availability of the special discount in time: The special discount offers normally opens for a brief period. Thus, there’s a chance that the business might miss that window. This will result in getting lower margins on the products that will end up hurting the overall margin of the business.
    • বাতিঘর ’s strategy: The business has confirmed that the offer is still going on and they will be able to avail the discount if the business can place order of the product within the next 10 days. 

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, if not hugely impacted by macroeconomic issues.


Please note that the business may be given an incentive in the form of a discount on early repayment, which can only come in effect if the investors agree.

Following example is an illustration:
If the business repays within 4 months, the markup profit can be 7% (instead of 8%). This benefits both parties – the business has to pay back less and investors get their money back faster at a higher annual rate of return (e.g. 7% in 4 months means 21% per annum)

biniyog.io will buy the products on behalf of investors first and secure ownership. The products will then be handed over to বাতিঘর  within a very short time frame.

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

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

বাতিঘর   will share instalment cheques with biniyog.io. A personal guarantee security cheque will also be kept from the business owner. Additionally, there will be a guarantor signing the in the contract.


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.

  • 10-04-2023

    This campaign is now live on biniyog.io!

    The funding campaign has started. The target is BDT 2 lac.