Project Detail

Project Overview

1) Contract Nature

As this is a Murabaha contract, investors participate in a halal production and trading model. GrowUp will produce Ghee, as well as buy Ghee from verified suppliers, and sell it to enlisted merchants and distribution partners. Since this is a production-buy-sell arrangement, there is no exit option before the project concludes. Refunds or early withdrawals are not possible during the trading cycle.

2) Duration of Investment

The total investment amount will be 1,92,50,720 Tk
The investment duration will be 2 months.

3) Projected ROI

The return on investment (ROI) will be 36% annually. In two (2) months, the investor will receive a halal dividend of 6% (excluding service charges).

4) Investment Part

The minimum investment amount is 25,700 TK, and investors can invest up to the total project limit. Halal dividends will be distributed every two months upon completion of the trading cycle.

Example:
If an investor invests 100,000 TK, they will receive 136,000 TK annually (100,000 TK capital + 36,000 TK profit), excluding service charges.

5) Loss Sharing

According to the Murabaha principle, investors are not responsible for business losses after the ownership is transferred to GrowUp. If any loss occurs after GrowUp takes possession and trades the product through enlisted merchants, the responsibility lies with GrowUp or the trading agents. Therefore, no loss sharing applies to investors after the goods are handed over for trading.

6) Service Charge

GrowUp will apply a 5% service charge. All ROI percentages mentioned above are net figures, calculated after deducting this service charge.

7) Contract Conditions

• Investors will sign a Murabaha (Production-Buy-Sell) Agreement with GrowUp for the Royal Ghee Trading Project. Under this contract, 
   
• Investors provide capital to produce and purchase Royal Ghee.
   
• GrowUp acts as the agent, handling production, procurement, ownership transfer, risk possession, and sales on behalf of investors.
   
• The product is then sold to enlisted merchants and distributors.
• All processes follow Shariah guidelines, ensuring transparency and halal compliance.

8) Risk Factor

Based on thorough analysis, the risk factor is estimated at 2%. GrowUp’s expert team strategically mitigates risks through verified suppliers, controlled storage, and strong merchant partnerships.

9) Payment Delay
 GrowUp has conducted a detailed financial and operational review of the project. Unless any unforeseen risk arises, GrowUp expects to repay investors on time, maintaining consistency and reliability.

Key Points