6 months

Min. Investment

৳ 10,000

Projected ROI


Risk Grade



Intelligent Machines excels in tailor-made enterprise AI solutions, AI strategy making and data science. The business is seeking funds to expand its capacity to serve a work-order of a verified client).

This is a Musharakah contract where investors can expect to get an ROI of 9-13%* over 6 months (18-26% annualized). 

*subject to investment risk (details below)

Gulshan link road, Dhaka, Bangladesh

Intelligent Machines Ltd.

৳ 2,500,000 Raised
৳ 0 Being Processed
0 Days Left
Goal: ৳ 2,500,000
The campaign is successful.
By Saif
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The Business

Accordion Content

Established in late 2018, Intelligent Machines offers a range of retail and wholesale enterprise AI solutions through online and offline channels. The business has experience of working with numerous clients over the years. Their client list has includes industries like FMCG, Financial and manufacturing. . They serve some well-known foreign clients as well.
The company needs funding to advance an AI product they have been building for a verified client. 

Address: Moar, Gulshan Link, Sultana Trade Center (Level-5), 204/B Bir Uttam Mir Shawkat Sarak, Tejgaon, Dhaka- 1208.

Explore: Facebook | Website


💡 Is the business Shariah-compliant?

The business model (providing AI based products and services) is Shariah-compliant. We have verified that no non-Shariah compliant service is being provided through this particular work order. 

💡 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.

Mohammad Oli Ahad, the driving force behind Intelligent Machines, holds a Bachelor of Business Administration in Marketing from the Institute of Business Administration, University of Dhaka. He started Intelligent Machines Ltd in 2018. 

Motivated by the pressing need for advanced AI solutions in Bangladesh, Mohammad’s vision for Intelligent Machines was rooted in leveraging technology to address societal challenges. His extensive experience, highlighted by accolades such as designing music artworks recognized as the “National Best of the Year” by the Daily Star and crafting animated company profiles for industry leaders like AC Nielsen Bangladesh and DHL, underscores his commitment to excellence.

With Mohammad’s leadership and expertise, Intelligent Machines continues to pioneer innovation, providing exceptional data science services and revolutionizing the AI landscape in Bangladesh and beyond.

  • Tailor-made AI solutions for business needs
  • Customer-base with good payment history 
  • Continuous research and development

The Contract

Accordion Content

The investment is for a period of 6 months, from end of March 2024 to September 2024.

Projected Return on Investment (ROI): 9-13%

Projected annual ROI: 18-26%

Example: if someone invests BDT 100k in the project, he/she can expect to receive a total of BDT 109k-113k in September 2024.

biniyog.io will be charging investors a 25% fee on their profits and 0.1% on the investment amount (the latter is required to meet shariah-compliance). This means investors will be keeping 75% of the profits generated. The net ROI for the investors will be 9-13% for 6 months (18-26% annualized) after deducting biniyog.io’s fee.

Beginning of investment:

  • Investors will go into a Musharaka agreement (profit-loss sharing) with Intelligent Machines Limited
  • It will be a profit-sharing contract, where Intelligent Machines Limited will be using the investment amount as working capital to cater to a work-order.
  • biniyog.io will act as an agent for the investors and collect necessary funds and deposit to the business account of Intelligent Machines Limited
  • biniyog.io will follow-up Intelligent Machines to ensure that the funds are being used to cater to that work order
  • biniyog.io has proposed a 90:10 split of the net profit generated during the specific work order and Intelligent Machines has agreed to it and investors will get an estimated of 18%-26% annualized ROI (after deducting biniyog.io’s fee from investor profit)

End of Investment:

  • Investors will be eligible to get the principal and profits (if any) from the financed work order within the mentioned investment period.
  • biniyog.io will verify the costs associated with completing the particular work order before calculating the final profit
  • The principal investment amount along with profit or loss will only be returned to the investor at the end of the investment period
  • If the business incurs a net loss over 6 months for this work order, investors will have to share the loss as per the 13% of loss incurred.

Shariah Compliance

Accordion Content

Investors invest into the business under a partnership (Musharakah) agreement that makes them eligible for receiving profits generated by the business. biniyog.io will act as an agent to deal on their behalf (Wakalah).

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

Potential Risks

Accordion Content
  • Not getting payments on time: Service based businesses such as Intelligent Machines often have to provide service on credit. This can lead to a prolonged payment timeline that might result in a significant financial crunch for the company.
    • Intelligent Machines’ strategy: Intelligent Machines mitigates this risk by working with clients with good payments history and minimum verification. The company has worked with many organizations so far that helps them to filter out clients.
  • Risk of Data Security Breach: Given the sensitive nature of data handled by AI systems, security breaches pose a significant risk to Intelligent Machines, potentially leading to reputational damage and legal liabilities.
    • Intelligent Machines’ strategy: The company prioritizes data security by ensuring compliance with industry standards and regulations. Moreover, the company has not had any such major incident in the past.
  • Major Clients Dependency Risk: Dependency on a small number of key clients for a significant portion of revenue may expose Intelligent Machines to financial risks in the event of client attrition or contract renegotiation.
    • Intelligent Machines’ strategy: The company tries to actively diversify its client base by targeting new industries and markets, while also nurturing existing client relationships. Moreover, the major clients of Intelligent Machines have a good history (timely project delivery, timely payments from clients, etc.) with them.

To ensure Shariah compliance, investors have to share a portion of losses (if incurred) over the 6-month investment period.

For example, if someone invests BDT 10k and the business incurs a loss of 5% (500 Taka), investors will bear 13% of the loss. That means the investor would get back BDT 9.935k.

This may occur due to an unstable economy, political instability, domestic currency value depreciation, etc.

The business will share a security cheque with biniyog.io for keeping a layer of safety 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.

  • 25-01-2024

    This campaign is now live on biniyog.io!

    This campaign is now live on biniyog.io! The funding campaign has started. The target is BDT 25 lac.