12 months

Min. Investment

৳ 10,000

Projected ROI

annualized 16%

Risk Grade



Khati Organic is an online retail shop that sells organic food products through its Facebook page and website. The business is looking to raise funds for a third time (extension of the 2nd campaign) to expand its product line and increase the current stock of products.

The business has repaid 80% repayments of its previous campaign.

Investors can expect to get an ROI of 16%* over 12 months. 

*subject to investment risk (details below)

Mirpur-10, Dhaka, Bangladesh

Khati Organic [3]

৳ 1,132,711 Raised
৳ 0 Being Processed
0 Days Left
Goal: ৳ 1,000,000
The campaign is successful.
By Nerob
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The Business

Accordion Content

Khati Organic was started at the end of 2018. The business provides both retail and wholesale services to their customers through both online and offline channels. The business was awarded as a member of Bangladesh E-Commerce Association for providing online home delivery of essential products to customers during the Corona Pandemic.

Why the funding is required:
The funding is mainly needed to expand the product line and the market to acquire more customers and increase the overall sales. The business is looking to raise funds for a third time (extension of the 2nd campaign). 

The business has repaid 60% repayments of its previous campaign.

Address: Senpara Parbata, Mirpur 10, Dhaka.

Explore: Facebook | Website


💡 Is the business Shariah-compliant?

The business model (selling Organic food item) 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 Murabahah (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.

Mr. Shariful Alam Sohail is a graduate with a Masters of Business Administration (MBA) from Pabna University of Science and Technology.

He has been involved in the world of online business since 2012. The journey of his organization started with the aim of working on solving the food adulteration problem. He is the Chief Executive Officer (CEO) of this organization.

The owner has a vision of entering into the export market to enrich the name of the business along with strengthening the flow of revenue. 

  • Heavy online presence, particularly on Facebook 
  • Verified promising growth of revenue
  • Owner with ample knowledge of the products and the market.

The Contract

Accordion Content

The investment is for a period of 12 months, from May 2024 to May 2025.

Projected Return on Investment (ROI): 16%

Projected annual ROI: 16%

Example: if someone invests BDT 100k in the project, he/she can expect to receive a total of BDT 116K by the end of May 2025.

biniyog.io will be charging investors an 11.11% fee on their profits. Example: If an investor invests BDT 100k and makes a profit of 18k in 12 months, biniyog.io will charge 2k as a service fee. This means investors will be keeping 88.89% of the profits generated. The net ROI for the investors will be 16% for 12  months (16% annualized) after deducting biniyog.io’s fee.

  • Investors will go into a Murabahah agreement (sale contract) with Khati Organic Ltd. for purchasing organic and herb items.
  • It will be a “buy-and-sell” process where investors will first buy products through biniyog.io. Khati Organic Ltd. will then buy those items from investors on credit and pay the amount over 12 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 Khati Organic Ltd.
  • biniyog.io has proposed a price to Khati Organic for the products after considering a minimum 18% profit on the actual cost of product procurement and Khati Orgganic has agreed to it. Investors will be getting a net of 16% profit after deducting biniyog.io’s service charge on investor profit.
  • Investors can expect to get their returns over 12 months in 4 installments:
    • 20% in October 2024
    • 30% in January 2025
    • 30% in April 2025
    • 20% in May 2025

Shariah Compliance

Accordion Content

Investors appoint biniyog.io as an agent to deal on their behalf (Wakalah) and invest in the business through the buying 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
  • Quality Control: Ensuring the consistent quality and freshness of organic products can be challenging, especially during storage and delivery. Customers may become dissatisfied if the products they receive do not meet their expectations. 
    • Khati Organic’s strategy: Khati Organic has its own factory in Pabna, where the workers regularly produce ghee and peanut butter. Moreover, the sourcing of other products is supervised strictly to ensure the expected quality. Additionally, a full-capacity warehouse is currently located next to their office. The business will soon rent a larger warehouse to store the new productions.
  • Delivery Issues: Timely delivery is critical for customer satisfaction. Delays, mishandling, or damaged products during shipping can harm the reputation of the online shop and result in customer dissatisfaction.
    • Khati Organic’s strategy: Because Khati Organic uses delivery partners with a good tracking system and schedule maintenance. The business also maintains constant follow-ups with its delivery partners to maintain proper delivery schedules. Additionally, the turnaround time to replace damaged products is under 24 hours.
  • Competition: The online organic food market is becoming increasingly competitive. Competing with established online platforms and other organic food shops can be challenging, requiring effective marketing strategies and unique selling points to differentiate their shop from the competition.
    • Khati Organic’s strategy: Khati Organic has a dedicated sales team of seven professionals who ensure the success of their digital campaigns for Facebook marketing. They also communicate with customers for feedback and resolve customer complaints. 
  • Supply Chain Disruptions: Dependence on suppliers for organic products may lead to supply chain disruptions. Factors such as weather conditions, crop failures, or other unforeseen events can affect the availability of products, leading to potential stock shortages and dissatisfied customers.
    • `Khati Organic’s strategy: The business has a good connection with the sourcing points of the business. This lets the business know any possible issues such as product shortage, logistical issues, etc. beforehand.

The installment structure has been arranged such that the business can roll the inventory and cover the peak seasons during Ramadan to cater the rising demand of organic foods. biniyog.io projects that this will help the business run smoothly as well as meet payment deadlines.

biniyog.io will buy the products on behalf of investors first and secure ownership. Khati Organic would have the right to reject the products due to quality etc. The risk is expected to be minimal since Khati Organic will choose the items before biniyog.io buys them.

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

Khati Organic will share a security cheque. 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.

  • 29-04-2024

    This campaign is now live on biniyog.io!

    The funding campaign has started. The target is BDT 10 lac.