12 months

Min. Investment

৳ 10,000

Projected ROI

16% per annum

Risk Grade



4 installments (Sep'23, Jan'24, Mar'24, Apr'24)


Billir Dokan sells imported food, toys, accessories, litter, medicine for pets. The business is looking to purchase food products and accessories directly from importers in bulk to avail special prices.  Investors can expect to get an ROI of 16%* over 12 months. *subject to investment risk (details below).

Address: H-14, Rd-25, Block-D, Mirpur-10. Dhaka, Bangladesh

Billir Dokan

৳ 855,500 Raised
৳ 0 Being Processed
0 Days Left
Goal: ৳ 800,000
The campaign is successful.
By Saif
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The Business

Accordion Content

Written by Billir Dokan – verified by biniyog.io ✅

Billir Dokan is one of the fastest growing Pet products shop in Bangladesh. It sells food, accessories, toys, medicine, litter for cats & dogs. The business has targeted a niche market where competition is low. It has a range of about 500+ imported products. With 9 employees, comfortable sales & large inventory, Billir Dokan has established a strong online and offline presence that allows them to acquire new customers and retain the current customers at the same time. Having a large customer base lets the business generate good sales volume. The business buys products from specific distributors and importers. Currently, the business is looking to purchase products (food, accessories, etc.) in bulk to avail a special discount. This will increase the current level of profit margin of the business.  

Office/Factory Address: Address: H-14, Rd-25, Block-D, Mirpur-10. Dhaka.
Explore: Facebook

💡 Is the business Shariah-compliant?

  • The business model (selling pet food, litters and accessories) 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 Billir Dokan – verified by biniyog.io ✅

Nadvir Ahsan Zim is a graduate, majoring in Finance, from University of Dhaka. Previously, he has  served in the Bangladesh Army as an officer Cadet. He had to leave the Army after getting injured during training. He started his business with a very small amount of capital. His business currently generates around BDT 10 lacs+ revenue per month on an average.

  • Educated owner with passion and clear understanding of the business.
  • Strong online and offline presence.
  • Good transaction records with the current suppliers.
  • Consistent turnover.

The Contract

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The investment is for a period of 12 months, from Mid of April 2023 to April 2024.

Projected ROI (total): 16%
Projected ROI (annualized): 16%

biniyog.io will NOT charge the investors any fees for its services. 

Example: if someone invests BDT 100k in the project, he/she can expect to receive a total of BDT 116k  by last week of April 2024.

  • Investors will go into a Murabahah agreement (sale contract) with Billir Dokan  for purchasing pet food, accessories, litters, etc.  
  • It will be a “buy-and-sell” process where investors will first buy products through biniyog.io. Billir Dokan will then buy those items from investors on credit and pay the amount over 12 months in 4 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 Billir Dokan .
  • biniyog.io has proposed a price to Billir Dokan  for the products after considering a minimum 16% profit on actual cost of product procurement. Billir Dokan has agreed to it.
  • Investors can expect to get their returns over 12 months in 4 instalments:
    • 10% by end of Sep’23
    • 10% by end of Jan’24
    • 20% by end of Mar’24
    • Final 60% by end of Apr’24

Shariah Compliance

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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 fixed return (Bai Murabaha) agreement.

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

Potential Risks

Accordion Content
  • Failure of importers to deliver sufficient supplies: The dollar crisis situation has created a problem for the businesses dependent on import-based products. As Billir Dokan deals only with import-based products, this may be a significant risk faced by the business if the dollar crisis situation further worsens.
    • Billir Dokan’s strategy: The business has established good connections with the suppliers. Therefore, the business is able to get information ahead of time regarding the demand and supply of the traded products. Moreover, the business will be buying products in bulk with the raised fund to avoid any supply crisis specifically.
  • Inflation and macroeconomic issues: Prices of almost everything have gone up worldwide and coupled with the devaluation of taka, this is making products costlier especially for the imported products This trend of price hike is likely to continue throughout this year according to many economic research. Additional significant price hikes can hurt the revenue stream of businesses such as Billir Dokan
    • Billir Dokan’s strategy: The customer base of Billir Dokan is price inelastic. Due to this reason, price hikes normally do not hurt the revenue level of the business. Rather businesses such as Billir Dokan flourished during the pandemic when the price of cat food and accessories shot up significantly. This lets the business have the space to make business moves strategically even during a time of economic crisis. 

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

Billir Dokan would have the right to reject the products due to quality etc. The risk is expected to be minimal since Billir Dokan themselves will be choosing 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, if not hugely impacted by macroeconomic and import related 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 10 months, the markup profit can be 15% (instead of 16%). 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. 15% in 10 months means 18% per annum)

Billir Dokan will share repayment cheque with biniyog.io. A security cheque will also be kept from the business owner.


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.

  • 27-03-2023

    This campaign is now live on biniyog.io!

    The funding campaign has started. The target is BDT 8 lac with a stretch goal of BDT 10 lac.