Date Molasses Export

1) Since this is a Murabaha contract involving buying, selling, or exporting abroad, investors do not have the option for emergency exits. We purchase the products and export them abroad, thus we cannot return your investment before the project closure.

2) Duration of Investment

The total investment amount will be - 1,35,00,000

This investment will be for 2 Months.

3) Projected ROI(Return of Investment)

The return on investment (ROI) will be 37% annually. In two (2) months, the investor will receive a halal dividend of 6% (excluding service charges).

4) Investment Part

Here, the minimum investment would be 25,000 TK, or investors can invest up to the project limit. Halal dividends will be disbursed every two months.

For example, if someone invests 100,000 TK (one lakh taka), they will receive 137,000 TK, excluding service charges (100,000 TK as the investment part and 37,000 TK as the profit part in a year).

5) Loss Sharing

Grow Up is a Shariah-compliant project, and according to the Murabaha Principle, investors bear no responsibility for any business losses after transferring the liability to the Grow Up authority. Any losses incurred after handing over the product to the agent/merchant are not shared with the investors. Therefore, there will be no loss sharing from the business after the handover of the product to the merchant.

6) Service Charge

Grow Up will apply a 5% service charge on investors' profit. It should be noted that all of the mentioned ROI above are provided after excluding this service charge.

7) Contract Conditions

• Investors will engage in a Murabaha Agreement with Grow Up Authority for buying, selling, or exporting abroad.
• The process will involve buying and selling or exporting abroad, where investors will initially purchase products through Grow Up and subsequently export or sell them through Grow Up as well.
• Grow Up will act as an agent for the investors, purchasing the products on their behalf, assuming necessary ownership and asset possession risks, and then selling or exporting them abroad.

8) Risk Factor

According to our calculations, although the risk factor stands at 3%, the GrowUp highly Expert team is confident in their ability to mitigate and manage these risks effectively, as outlined previously.

9) Payment Delay

Grow Up has conducted an in-house analysis of the projected returns of the business and expects to be able to repay on time, barring any unforeseen risk factors.

10) Security

Grow Up provides the following documents to investors:

- Contract Deed (300 tk Stamp)

- Security cheque

- Money Receipt

- Guarantor

- Copy of Authorized deed