6 months

Min. Investment

৳ 10,000

Projected ROI

14% per annum

Risk Grade



4 instalments (every month except first 2 months)


Molla enterprise is a reseller of food-grade chemicals used for processed foods such as mango bar, wafer, juice, lychee drinks, etc. March to July is a peak demand season of this product, and they are looking to raise funds to gain discount by purchasing in bulk, stock the inventory and sell during peak time.

This is a “buy-and sell” (Murabahah) contract where investors can enjoy an ROI of 7%* over 6 months (annualized expected return 14%).

*subject to investment risk (details below)

Fatullah, Narayanganj, Bangladesh

Molla Enterprise

৳ 260,000 Raised
৳ 0 Being Processed
0 Days Left
Goal: ৳ 500,000
The campaign is successful.
By Saif
62 Campaigns | 0 Loved campaigns

The Business

Accordion Content

Molla Enterprise is a food-grade chemical and packaging materials reseller. The products are mostly used in making juice, ice-cream, different types of candy, wafers etc. The business has a good customer-base who are mostly situated outside Dhaka. The business sells to over 15+ districts outside of Dhaka. The Owner, Mr. Rahat Molla, provides a one-stop solution to processed food item sellers. For example, he provides production machine purchase support, installation of the machine and procuring raw materials for making the processed food items. Providing this one-stop support immensely helps him in acquiring new customers. 

Shop Address: Road 5, Shantidhara KMS Garden City, Fatullah, Narayanganj

💡 Is the business Shariah-compliant?

  • The business model (selling standard compliant food chemical and packaging 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.

Molla Enterprise storage space

Mr. Rahat Molla is the proprietor of Molla Enterprise along with RMB Colour House. He has education in Food & Nutrition. He started the business while he was still studying in University. 

In his early days of the business, he would go to the importers’ offices, sit there and wait for appointment and a get good bargain. Overtime, he has managed to develop relationship with large importers, and now facilitates orders over phone calls. He has a detailed plan on what he wants to purchase and stock before the peak season starts, which he learnt over the last few years.

He has other business operations, the biggest of which is textiles chemicals. Others are screen print, trading etc. He keeps the operations and financials of all the businesses separate. 

Rahat Molla has raised funds through biniyog.io before for RMB Colour House. He has been meeting the repayment deadline sincerely and has repaid 50% of his total repayment amount so that he can raise another round of funding for his textile chemical business. 

Part of Molla Enterprise shop

Part of Molla Enterprise shop

  • Experienced owner with ample knowledge of the product and its market. 
  • Fixed customer-base as the owner is a one-stop food processing service provider. 
  • Good inventory turnover ratio.

The Contract

Accordion Content

The investment is for a period of 6 months, from January 2023 to July 2023.

Projected ROI (for the duration of project): 7%

Projected ROI (annualized): 14% 

biniyog.io will NOT charge the investors any fees for this service. 

Example: if someone invests BDT 100k in the opportunity, he/she can expect to receive a total of BDT 107k by end of July 2023.

  • Investors will go into a Murabahah agreement (sale contract) with Molla Enterprise  for purchasing food-grade chemicals for making different types of processed food such as wafer, different kinds of juice, lychee drinks, lozenges, chocolates, different flavours of ice-cream, etc. 
  • It will be a “buy-and-sell” process where investors will first buy products through biniyog.io. Molla Enterprise  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 Molla Enterprise .
  • biniyog.io has proposed a price to Molla Enterprise  for the products after considering a minimum 7% profit on actual cost of product procurement. Molla Enterprise  has agreed to it.
  • Investors can expect to get their returns over 6 months in 4 instalments:
    • 10% at the end of April’23
    • 15% at the end of May’23
    • 25% at the end of June’23
    • final 50% at the end of July’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
  • Dependency on credit sales: The business has some regular customers. And in this industry, credit sales take place very often. The collection period can take longer than expected sometimes. If this starts happening consistently, the profitability of the business can have a negative impact due  to the cash being stuck in the cycle for too long.
    • Molla Enterprise’s strategy: The business mostly deals with parties who provide “cash on delivery” deals. Only a few customers get the special benefit of buying products on credit. 

  • Quality assurance: There have been numerous complaints made by journalists, relevant government agencies and social organizations on the quality of food-grade chemicals being substandard or being mixed with low-quality similar chemicals to increase the profit margin. It is very hard to check the authenticity of such food-grade chemical items for business owners.   
    • Molla Enterprise’s strategy: Mr. Rahat, the owner, has over 7 years of experience in this line of business. He has worked with numerous buyers and sellers during his vast experience. Therefore, He knows where to find the right products and how. He also has a few buyers (who are renowned chemical importers with shops at Mitford) who ensure standard quality of products. 
  • Inflation and macroeconomic issues: Prices of materials are going up worldwide and coupled with the devaluation of taka, this is making products costlier. The volatility of the food-grade chemicals and  materials price can hurt the profit margin of the business significantly.
    • Molla Enterprise’s strategy: The business will be buying the products before the season starts. Moreover, the business will be buying products in bulk. Therefore, special discounts will be available for buying the products before the start of the season and in bulk.

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

Molla Enterprise would have the right to reject the products due to quality etc. The risk is expected to be minimal since Molla Enterprise  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 5 months, the markup profit can be 6.5% (instead of 7%). 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. 6.5% in 5 months means 15.6% per annum)

Molla Enterprise  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.

  • 08-01-2023

    This campaign is now live on biniyog.io!

    The funding campaign has started. The target is BDT 5 lac, with a stretch goal of BDT 6 lac.
  • 30-01-2023

    The campaign has been extended

    The funding campaign has been extended. The target is BDT 5 lac, with a stretch goal of BDT 6 lac.