6 months

Min. Investment

৳ 10,000

Projected ROI

15% per annum

Risk Grade



3 installments (Starting from the 4th month)


Jannat Trading & Co. is a Mirpur based B2B wholesaler business that sells groceries, vegetables, dairy, and seasonal fruits. The company is looking to raise funds for the purchase of sugar, and grocery items. Investors can expect to get an ROI of 7.5%* over 6 months.

*subject to investment risk (details below)

Mirpur, Dhaka, Bangladesh

Jannat Trading & Co.

৳ 1,534,720 Raised
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Goal: ৳ 1,200,000
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The Business

Accordion Content

Written by Jannat Trading & CO.- verified by biniyog.io ✅

Jannat Trading & Co. is a  business that offers groceries, vegetables, dairy products, perishables, and seasonal fruits to other businesses as a B2B wholesaler. The organization has earned an excellent reputation in the corporate sector as well as in the local market. In Mirpur, it is currently the most prominent wholesale supplier. 

Jannat Trading & Co., is a dynamic and promising B2B business brand that is making a significant impact in the market. Their unique approaches, such as 24/7 delivery support, and product support, make them a bright company. They ensure fresh, organic, and export-quality products only in bulk quantities. JANNAT Trading & Co. is currently working in various sectors with corporate and local markets. Directly sourcing from the field and managing supply chain management by own logistics. So, corporate sectors are showing high interest in purchasing products from JANNAT Trading & Co. They need the investment to purchase sugar and other grocery items in bulk to meet their huge customer demand for the upcoming Eid

Office Address: House: 661, West Shewrapara, Mirpur 

FB page: https://www.facebook.com/Jannat.Trading.and.Co

Explore: Facebook 

💡 Is the business Shariah-compliant?

  • The business model (selling grocery 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 Jannat Trading & CO.- verified by biniyog.io ✅

This is Tanvir Ahmed Choudhury, founder and managing director of JANNAT Trading & Co. I completed my BSc in CSE at the Green University of Bangladesh. Before finding JANNAT Trading & Co., I was the product manager at Shodagor International Limited (www.shodagor.com), the foreign trade department head, and a senior executive at SCPB. I’ve worked in the B2B sector for more than 5 years. We are focused on trying to establish sustainable B2B business supply chain management in the food sector and export our products globally.

Owner of Jannat Trading & Co.

  • Diversified business with groceries, vegetables, perishable items, TCB products etc.
  • Robust experience and Good grip over the overall supply-chain.
  • Established brand value especially in Mirpur area.
  • Consistent sales volume.

The Contract

Accordion Content

The investment is for a period of 6 months, expected from June 2023 to December 2023.

Projected Return on Investment (ROI): 7.5%
Projected ROI: 15% per annum

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 BDT 107.5k by December‘23.

  • Investors will go into a Murabahah agreement (sale contract) with Jannat Trading & CO. for purchasing raw food items such as rice, oil, sugar in bulk etc..
  • It will be a “buy-and-sell” process where investors will first buy products through biniyog.io. Jannat Trading & CO.Ltd. will then buy those items from investors on credit and pay the amount over 6 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 Jannat Trading & CO.
  • biniyog.io has proposed a price to Jannat Trading & CO. for the products after considering a minimum 7.5% profit on actual cost of product procurement. Jannat Trading & CO. has agreed to it.
  • Investors can expect to get their returns over 6 months in 3 instalments:
    • 5% by the end of October’23
    • 25% by the end of November’23
    • Final 70% by the end of December’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” (Murabahah) agreement.

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

Potential Risks

Accordion Content
  • Risk of missing the expected purchasing schedule: If the business fails to source goods (such as sugar) on time, they might be unable to resell all the stock at the expected price and time. This situation might cause the business to experience a significant decrease in revenue, and it can plunge the overall profit margin as well.
    • Jannat Trading & Co. Strategy: The business has a plan to sell some selected items through its vast channel of buyers (the wholesalers and retailers). Having a vast number of buyers will keep the sales of sugar stable enough for the business to mitigate this particular issue.
  • Supply chain disruptions: Grocery wholesalers rely on a complex supply chain to source products and deliver them to retailers or relevant customer bases. Disruptions in the supply chain, such as transportation delays, inventory shortages, or supplier issues, can impact the ability to fulfil orders on time.
    • Jannat Trading & Co. Strategy:  Jannat Trading & Co. has their  own delivery network, ensuring 24/7 customer support and mitigating transportation delays. Disruptions in their supply chain are highly unlikely in their business model due to their constant lookout for any sort of supply chain disruptions.
  • Price fluctuations: The wholesale business is susceptible to price fluctuations, both in terms of the products being sold and the costs involved in the operation. Fluctuations in commodity prices, currency exchange rates, or transportation costs can affect profit margins and overall business stability.
    • Jannat Trading & Co. Strategy: This is a macroeconomic issue that may affect any business. However, it is quite unlikely that the price of the items (selected by the business to purchase with the funds to be raised) will fluctuate drastically.  
  • 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 will buy the products on behalf of investors first and secure ownership. The products will then be handed over to Jannat Trading & CO. within a very short time frame.

Jannat Trading & CO. would have the right to reject the products due to quality etc. The risk is expected to be minimal since Jannat Trading & CO.  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 issues.


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

A personal guarantee security cheque will also be kept from the business owner. Additionally, the business will be providing a guarantor to provide more assurance and confidence to 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.

  • 12-06-2023

    This campaign is now live on biniyog.io!

    The funding campaign has started. The target is BDT 12 lac, with a stretch goal of BDT 15 lac.