12 months

Min. Investment

৳ 10,000

Projected ROI

15% per annum

Risk Grade



4 instalments (start of 4th, 7th, 10th and 13th month)


SWAP is a re-commerce platform that lets customers experience secure, hassle-free and haggle-free buying or selling or exchanging at the shortest possible time with special privileges. They are looking to raise financing to  expand their recently launched Laptop rental service.

This is a “buy-and sell” (Murabahah) contract where investors can expect to get an ROI of 15%* over 12 months. 

*subject to investment risk (details below)

Banani, Dhaka, Bangladesh


৳ 1,300,000 Raised
৳ 0 Being Processed
0 Days Left
Goal: ৳ 1,000,000
The campaign is successful.
By Saif
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The Business

Accordion Content

Written by SWAP – verified by biniyog.io ✅

SWAP (Livewire BD Ltd) is the first-ever re-commerce platform in Bangladesh where consumers can sell, swap, or buy products such as smartphones, laptops, appliances, vehicles & more at the press of a button. It operates as a C2B, B2B and C2B2C marketplace where customers can not only buy brand new or pre-owned products based on their affordability and other preferences, but also sell their unneeded/surplus products at a fair market price. Currently, SWAP is the only re-commerce platform in Bangladesh that lets customers experience secure, hassle-free and haggle-free selling at the shortest possible time.

Explore:  Facebook page  |  Website | LinkedIn

Office address: Delta Dahlia Tower (level 06), 36 Kamal Ataturk Avenue, Banani, Dhaka -1213

💡 Is the business Shariah-compliant?

  • The business model (renting out laptops) 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 SWAP – verified by biniyog.io ✅

Owner: Mr. Parvez Hossain

An entrepreneur, founder, and progressive business leader with the knowledge and vision to build a successful company with Sustainable Development Goals. Graduated from IBA, the University of Dhaka with 15+ years of hands-on experience, in leadership, distribution, and marketing projects.

Building a truly inclusive Bangladesh by raising awareness and motivating people about e-waste. Mr. Parvez is the founder of the first re-commerce platform in Bangladesh.

  • Strong procurement and customer  network.
  • Well-established reputation in the market. 
  • Proven track-record of running other wings of the business successfully. 
  • Ample business experience of buying and selling laptops (new, used, refurbished, etc.).

The Contract

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The investment is for a period of 12 months, expected from January 2023 to January 2024.

Projected Return on Investment (ROI): 15%
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 115k by Jan ‘24.

  • Investors will go into a Murabahah agreement (sale contract) with SWAP for purchasing electronic goods.
  • It will be a “buy-and-sell” process where investors will first buy products through biniyog.io. SWAP will then buy those items from investors on credit and pay the amount over 12 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 SWAP
  • biniyog.io has proposed a price to SWAP for the products after considering a minimum 15% profit on actual cost of product procurement. SWAP has agreed to it.
  • Investors can expect to get their returns over 12 months in 4 instalments:
    • 4.35% by the first week of April’23
    • 4.35% by the first week of July’23
    • 4.35 by the first week of Oct’23
    • Final 86.95% by the first week of Jan ’24

Shariah Compliance

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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 Bai’ Murabaha contract.

Potential Risks

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  • Laptop rental being a new wing of the business : SWAP has started their laptop rental wing 4 months ago. They have been managing the rental service smoothly so far. But there is a possibility for the  business to face issues such as not getting the rents on time, not being able to collect the laptops on time after the end of the tenure, etc. Laptop rentals being a new wing of SWAP is yet to be observed for the successful completion of the major rentals that are currently in progress. Customer acquisition might be an issue for the business as well.
    • SWAP’s strategy: The business has a wide area of experience and expertise in trading laptop and mobile phones. This experience and knowledge have been put to use while running the laptop rental wing. This has allowed the business to manage the new wing efficiently from the very beginning. SWAP has already acquired renowned businesses such as Jatri, Krishi Swapno, Amar Taka, etc. for the laptop rental service. The contracts are ongoing with these businesses.        
  • Laptops might get damaged while on rent: The devices can get damaged, stolen, dysfunctional while it’s on rent. This might become an issue for SWAP. However, the investors will be entering into a buy and sell contract that will make them immune to taking responsibility for any sort of damage after handing over the laptops. 
    • SWAP’s strategy: The business signs a contract with the parties taking laptops on rent. It addresses issues such as laptops getting damaged, dysfunctional, etc. However, in a situation of rented out laptops getting damaged, SWAP will investigate the issue at first before reaching any conclusion.

biniyog.io will buy the products on behalf of investors first and secure ownership. The products will then be handed over to SWAP within a very short time frame.
SWAP would have the right to reject the products due to quality etc. The risk is expected to be minimal since SWAP 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 10 months, the markup profit can be 13.5% (instead of 15%). 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. 13.5% in 10 months means 16.2% per annum).

SWAP 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.

  • 07-12-2022

    This campaign is now live on biniyog.io!

    The funding campaign has started. The target is BDT 10 lac, with a stretch goal of BDT 15 lacs.