9 months

Min. Investment

৳ 10,000

Projected ROI

16% Annualised

Risk Grade



eMartWay Skincare Limited is an e-commerce company in Bangladesh serving retail and wholesale customers. The business mainly sells skincare and makeup products. The business is seeking funds to purchase bulk products to serve more orders smoothly.

This is a “buy-and-sell” (Murabahah) contract where investors can enjoy an ROI of 12.00%* over 9 months (annualized expected return of 16.00%).

*subject to investment risk (details below)

Dhanmondi, Dhaka, Bangladesh

eMartWay Skincare Limited

৳ 398,688 Raised
৳ 212,679 Being Processed
3 Days Left
Goal: ৳ 1,500,000
Minimum amount is ৳ 10000 Maximum amount is ৳ 750000
৳  Download App
By Jannat
19 Campaigns | 0 Loved campaigns

The Business

Accordion Content

Written by eMartWay SKincare Limited

eMartWay Skincare Limited is Bangladesh’s largest beauty e-commerce company of recommended high-end foreign Skincare Products. The company started its journey on 3rd November 2021. 

eMartWay Skincare Limited is mainly a beauty skincare company that serves thousands of skin care products like moisturizing cream, facewash/cleanser, facial toner, facial serum, sunscreen, shampoo & conditioner, eye & lip care items, makeup items, etc. The company sells over 300+ global brands and 1000+ active SKU’s all over Bangladesh. The company has strong distribution channels and logistic partners like Pathao, Redx, and Sundarban Courier to deliver the products nationwide. 

Since 2021 eMartWay Skincare Limited has served a large customer base all over Bangladesh through its own sales channels. The company currently has its own customer care support center for dedicated customer support, and content creation teams for marketing activities. For online sales the company has its website and mobile app which are very popular in Bangladesh for beauty products among women. 

With the mission and vision of smart Bangladesh eMartWay Skincare Limited is working restlessly to provide hassle-free online shopping experiences for urban and rural consumers. Companies vision is to provide authentic beauty skincare products and create awareness for various skin concerns like acne, melisma, and hair fall problems. Our dedicated skincare experts are working 24/7 to provide the best service to our consumers to ensure customer satisfaction and fulfill company goals.  

Office Address: House Khonikaloy # 3/J, Dhanmondi 7A, Satmasjid Road, Dhaka-1209.

Explore: Website | Facebook


💡 Is the business Shariah-compliant?

  • The business model (selling skincare and makeup products) 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.

Aehtesham Siddik Aumee has been acting as the Managing Director of eMartWay Skincare Ltd since 2021. Currently, he is managing the whole company, working closely with the CRM and Marketing Team, communicating with the suppliers, and handling the financial sector.

He has been working as a Software Developer since 2012. He made various software such as Accounting, Inventory Management, and School Management. He also worked on the project of Hospital Management for the Combined Military Hospital (CMH) Saidpur (2019).  He has been recognized as the Top Rated Software Provider of Upwork Inc which is an international marketplace.

Mr. Aehtesham completed BSc in CSE from Bangladesh Army University of Science & Technology, 

Explore: LinkedIn 

  • Serving a large customer base through the online segment.
  • Currently selling over 300+ global brands and 1000+ active SKUs all over Bangladesh.
  • Has strong distribution channels and logistic partners.
  • All cash transactions.
  • Strong online presence.

The Contract

Accordion Content

The investment is for a period of 9 months, from May 2024 to February 2025.

Projected ROI: 12% 

Projected ROI (annualized): 16% Annualized

Example: If someone invests BDT 100k in the project, he/she can expect to receive a total of BDT 112k by February ‘25.

biniyog.io will be charging investors an 15.79% fee on their profits. Example: If an investor invests BDT 100k and makes a profit of 14.25k in 9 months, biniyog.io will charge 2.25k as a service fee. This means investors will be keeping 84.21% of the profits generated. The net ROI for the investors will be 12% for 9 months (16% annualized) after deducting biniyog.io’s fee.

  • Investors will go into a Murabahah agreement (sale contract) with eMartWay SKincare Limited for purchasing skincare and makeup products).
  • It will be a “buy-and-sell” process where investors will first buy the products through biniyog.io. eMartWay SKincare Limited will then buy those items from investors on credit and pay the amount after 9 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 eMartWay SKincare Limited.
  • biniyog.io has proposed a price to eMartWay SKincare Limited for the products after considering a minimum 14.25% profit on the actual cost of product procurement. eMartWay SKincare Limited has agreed to it. Investors will be getting a net of 12% profit after deducting biniyog.io’s service charge on investor profit.
  • Investors can expect to get their returns over 9 months in 3 installments.
    • 25% in Oct ‘24 
    • 45% in Jan ‘25
    • 30% in Feb ‘25

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
  • Supply Chain Disruptions: Dependence on a limited number of suppliers might disrupt the supply chain, which in turn may affect the ability to cope with the demand. Besides that, volatility in the prices of raw materials and the exchange rate of dollars may impact profit margins.
    • eMartWay Skincare Limited’s Strategy: The business is collecting products from multiple authorized distributors of different brands. They have a good connection with the supply chain. As the business is selling premium products, a rise in the products will allow the business to increase the price of final products.
  • Market Competition: There are many competitors in the skincare industry of BD. Intense competition may lead to price wars, which in turn may reduce the profit margins of the business.
    • eMartWay Skincare Limited’s Strategy:  eMartWay has a strong presence in the online sector with a good amount of followers, making it quite trendy in the market with its app and website, making it accessible to all customers. Emartway has established itself by continuously stocking various products with high demand and good quality to maintain market share. The business is currently selling products of 200+ brands suited for a large customer base.
  • Economic Downturns: Economic recessions in our country can impact consumer spending on non-essential items, affecting demand for luxury products.
    • eMartWay Skincare Limited’s Strategy:  eMartWay usually targets customers belonging to the middle class to upper-class people. This gives the business an edge over the pricing control resulting in stable sales and keeping a good margin.  
  • Product Safety: Issues such as allergic reactions, skin irritations, or adverse effects from product use can result in lawsuits, recalls, and negative publicity.
  • eMartWay Skincare Limited’s strategy: The business has a team of skin specialists with whom any customer can consult free of charge about what products will suit them. Besides that, the business has an efficient team for inventory management, responsible for stocking original products after thorough examinations. 

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. eMartWay SKincare Limited would have the right to reject the products due to quality etc. The risk is expected to be minimal since eMartWay SKincare Limited will choose the items before biniyog.io buys them.

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

eMartWay SKincare Limited will share a personal guarantee security cheque and installment cheques 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.

  • 11-05-2023

    This campaign is now live on biniyog.io!

    The funding campaign has started. The target is BDT 15 lacs.