Project Detail

Project Overview

1) Contract Nature

As this is a Murabaha (Buy-Sell) contract, investors participate in a Shariah-compliant investment model. GrowUp will utilize the investment to produce and trade agricultural products through verified farms and enlisted trading partners.

Since this is a buy-sell arrangement, there is no early exit option or refund opportunity before the project concludes. The investment will remain until the full production and trading cycle is completed.

2) Duration of Investment

The total investment amount will be 1,85,59,000 Tk

The project duration will be 2 months.

3) Projected ROI (Return on Investment)

The annual ROI is projected at 36%.

In two (2) months, investors will receive a Halal profit/dividend of 6% (excluding service charges). This return is based on the profit generated through the production, processing, and trading of the agricultural products.

4) Investment Part

The minimum investment amount is 15,000 Tk, and investors can invest up to the total project limit.

Halal dividends will be disbursed every two months upon project completion.

Example:

if someone invests 100,000 TK (one lakh taka), they will receive 1,36,000 TK, excluding service charges (100,000 TK as the investment part and 36,000 TK as the profit part in a year).

5) Loss Sharing

Under the Murabaha principle, investors are not liable for business losses once the purchased goods are transferred to GrowUp’s authority for production and trading.

If any loss occurs after GrowUp takes possession and sells the goods to enlisted traders or distributors, the responsibility lies with GrowUp or the trading agents, not the investors.

Therefore, no loss sharing applies for investors after the goods are handed over for trading.

6) Service Charge

GrowUp applies a 5% service charge on all investments.

All the ROI percentages mentioned above are net figures, provided after deducting the service charge.

7) Contract Conditions

Investors will enter into a Murabaha Agreement (Buy-Sell Contract) with GrowUp for the production and trading project.

This contract involves:

Investors fund the purchase and production of agricultural goods through GrowUp.

GrowUp, as the agent, procures, owns, and manages the goods on behalf of investors.

GrowUp’s trading division handles the sales and distribution to enlisted merchants and wholesalers.

The ownership, risk, and sale of goods will follow the Shariah principles of Murabaha, ensuring a transparent and halal investment process.

8) Risk Factor

Based on in-house analysis, the risk factor for this project is estimated to be 2%.

However, the GrowUp Expert Team continuously monitors market trends, demand, and pricing strategies to minimize and manage risks effectively.

9) Payment Delay

GrowUp has analyzed the business projections and cash flow thoroughly.

Unless any unforeseen market or environmental risks arise, GrowUp expects to make all payments on time, maintaining investor trust and operational transparency.

Key Points