Fish

1) As this is a Murabaha contract (production and sale), there is no opportunity for an emergency exit for investors. We will arrange or purchase the fish, nurture and raise them, and sell them to enlisted merchants. Therefore, we cannot return your investment amount before the project concludes.

2) Duration of Investment

The total investment amount will be - 20,70,000

This investment will be for 5 Months.

3) Projected ROI(Return of Investment)

The return on investment (ROI) will be 25% annually. In five (5) months, the investor will receive a halal dividend of 10.4% (excluding service charges).

4) Investment Part

Here, the minimum investment would be 20,000 TK, or investors can invest up to the project limit. Halal dividends will be disbursed every five months.

For example, if someone invests 100,000 TK (one lakh taka), they will receive 125,000 TK, excluding service charges (100,000 TK as the investment part and 25,000 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

The investor will enter into a Murabaha Agreement (production-sale) contract with Grow Up for the Fish Project. This will be a "purchase, nurture, and sell" process where investors will first buy fish molecules through Grow Up, ensuring they are nurtured and raised for sale to merchants.

Grow Up will act as an agent for the investors, purchasing the fish molecules, assuming necessary ownership and risk of asset possession on their behalf, and ensuring the fish are raised and sold on behalf of the investors.

8) Risk Factor

According to our calculations, although the risk factor is 5%, Grow Up's fish molecule purchase experts, nurturing and raising team, and excellent marketing team can effectively manage this risk. Additionally, at the investor's request, we can provide an insurance policy as further assurance.

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

- Insurance