9 months

Min. Investment

৳ 10,000

Projected ROI

17% annualized

Risk Grade



6 instalments (every month from 4th month)


Legend Publications is a university admission consulting and book publishing business geared towards competitive exams like BCS.

This is a “buy-and sell” (Murabahah) contract where investors can expect to get an ROI of 12.75%* (17% annualized) over 9 months.

*subject to investment risk (details below)

Farmgate & Savar, Bangladesh

Legend Publications

৳ 915,000 Raised
৳ 0 Being Processed
0 Days Left
Goal: ৳ 800,000
The campaign is successful.
By Saif
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The Business

Accordion Content

Legend Publications mainly serves students who are preparing for the second time exam of public universities by providing coaching services and books.

Written by Legend Publications – verified by biniyog.io  

Legend Publications has been publishing standard and general purpose books for university entrance exam candidates since 2016. At present, the number of categories of books published by Legend publications is more than 20. 

Through tireless efforts, Legend Publications basically hand over quality and accurate books to university students, through which university students can fulfil their long desired dreams of 12 years +  Legend Publications earns money through the sale of books. 

At rokomari.com, Bangladesh’s largest book selling platform, all our books are on top labels.


Currently there are 20 books published by Legend Publications. Which are in great demand in the market. Due to lack of funds, we cannot make the books available all over Bangladesh. If we get a fund, the sales of our publications will increase and we can make our books available all over Bangladesh 

Office locations:

ফার্মগেট শাখা  – RH Home Centre #3rd Floor #Suite:- 218 (Beside University Of Asia Pacific) Green Road, Farmgate, Dhaka
সাভার শাখা – RS TOWER #3rd Floor #Suite:- B-34 (Rana Plaza) Savar Bus Stand, Savar,Dhaka.

Facebook group 1  |  Facebook group 2   |  Facebook group 3  |  Facebook group 4
Facebook group 5  |  Facebook group 6 Facebook group 7 Facebook group 8

💡 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.

💡 How is ‘fixed returns’ halal?

This is a sale contract (Murabaha) approved by our Shariah advisors where investors will purchase products first (biniyog.io will facilitate the purchase), and then sell to Legend care & publications at a mark-up. This mark-up amount against sold products is the fixed return / profit for investors.

Details under “Contract conditions” and “Possession of Assets” part below.


Owner: Mr. Al-Mamun Reza (Khondokar)

Written by Legend Publications

I have completed Bachelors from Jahangirnagar University Department of History and I am currently pursuing Post Graduate Honors in History Department at Jahangirnagar University.
I have previous experience of working in UCC, ICON  Plus, Joykoli Publications & Plus Series.
In 2016, after I got admission in the university, I started writing the book thinking about the needs of the university admission candidates and Alhamdulillah I got a huge response in the first year. 
I am currently pursuing a Masters in History Department of Jahangirnagar University. Also working as Founder of Legend Care and Editor-in-Chief of Legend care & publications.
In the future, Legend Publications will stand as the top publications of Bangladesh and also I will publish all the supporting books from class one to honors, inshallah and bring all the books to the E-platform.

  • Educated founder with ample knowledge and experience of this line of business
  • Established marketing channels (runs popular Facebook groups)
  • Consistent sales volume

The Contract

Accordion Content

The investment is for a period of 9 months, from the beginning of December 2022 to end of August 2023.

(Exact date will be finalized after financing is complete)

Projected ROI (for the duration of project): 12.75%

Projected ROI (annualized): 17% 

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 112.75k by the end of August 2023.

  • Investors will go into a Murabahah agreement (sale contract) with Legend Publications for purchasing book-printing raw materials.
  • It will be a “buy-and-sell” process where investors will first buy products through biniyog.io. Legend  Publications will then buy those items from investors on credit and pay the amount over 9 months in 6 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 Legend Publications.
  • biniyog.io has proposed a price to Legend Publications for the products after considering a minimum 12.75% profit on actual cost of product procurement. Legend Publications has agreed to it.
  • Investors can expect to get their returns over 9 months in 6 instalments:
    • 10% at the end of March’23
    • 15% at the end of April’23
    • 15% at the end of May’23
    • 15% at the end of June’23
    • 15% at the end of July’23
    • Final 30% at the end of August’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 an advanced buy-and-sell (Bai’ Murabaha) agreement.

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

Potential Risks

Accordion Content
  • Season-sensitivity: Legend Publications mainly sells books for university admission. Therefore, most of the yearly revenue is generated from the season-based months. If sales of one season gets affected due to any reason, the profit margin will be hurt significantly.
    • Possible mitigation: The business has around 18 categories of books that include public university admission guides, government job preparation books, etc. Having this wide range of books keeps the sales wheel running throughout the year. The business generates stable online order sales every month. “Khondokar’s General Knowledge” is the blockbuster/ best-selling product of this business. Over 10,000 copies of it were sold in the previous year.

  • Price hike by seller: The price of the books might be increased this year to adjust to the price-hike of the raw materials and other costs. If any strong competitor can keep the price significantly low, Legend Publication’s market demand might be jeopardized.
    • Possible mitigation: The demand of competitive exam books is considered to be inelastic to price changes. Meaning, increasing the price of the books will not hamper the sales because demands are always through the roof for such kinds of books.

  • Long credit-term affecting the working capital: Credit sales is the main constituent of this line of business. The common practice of such business is that the buyers receive the products before the start of the season making almost no payment or only small payments. The accounts are cleared after the end of the season. This results in cash stuck in the cycle for around 5-7 months.
    • Possible mitigation: Legend Publications runs 2 coaching centres at two different locations, generates stable online order sales every month and one specific book is sold all throughout the year because of its extensive popularity.  This lets them manage the operating cost in the months when the cash is stuck in the credit cycle. 

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

Legend Publications would have the right to reject the products due to quality etc. The risk is expected to be minimal since Legend Publications 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 in effect if the investors agree.

Following example is an illustration:
If the business repays within 6 months, the markup profit can be 9% (instead of 12.75%). 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. 9% in 6 months means 18% per annum)

Legend Publications will share instalment cheques with biniyog.io. A personal guarantee 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.

  • 03-11-2022

    This campaign is now live on biniyog.io!

    The funding campaign has started. The target is BDT 8 lac