Tahabil Limited mainly works as an investment representative for investors. In a Murabaha project, once the product is sold to the merchant, the merchant becomes fully responsible for repaying the entire amount.
To protect investors, every project includes multiple guarantors. If the merchant is unable to make payments for any reason, the guarantors are legally responsible for covering the payment. A backup recovery plan is also kept in place in case the merchant’s business faces losses. If the merchant still fails to repay the money, Tahabil Limited’s recovery team steps in to recover the investor’s funds. If needed, legal action is taken against both the merchant and the guarantors to recover the amount.
However, if after all recovery efforts the merchant completely defaults and disappears, then according to Shariah principles, the investor will have to bear the loss.
Project Location:
Baraigram, Natore
Overview:
Shotomul Agro Firm is a growing livestock business in Bangladesh that works with cattle farming, qurbani animal sales, and meat supply. Over the years, they have built experience in raising and fattening cows for Eid-ul-Adha and supplying fresh beef to regular business clients throughout the year.
Right now, the farm has a large collection of livestock including cows, bulls, goats, sheep, and buffaloes. They also supply around 55 mon of beef every week through B2B sales, which shows they already have an active customer network and ongoing market demand.
The team behind Shotomul Agro Firm is involved in every step of the process — from taking care of the animals and preparing them for qurbani, to handling customer orders, direct sales, and meat delivery. They also have experience managing seasonal qurbani operations, including pre-orders and shared qurbani arrangements.
To make the buying experience easier for customers, they have set up a qurbani display center in Banasree M Block where hundreds of animals will be available for viewing and booking during the season.
With practical experience, an existing customer base, and active sales channels both online and offline, Shotomul Agro Firm is working to build a reliable and organized livestock business around the growing qurbani market.
Introduction to the Business:
Shotomul Agro Firm is a livestock and qurbani-focused business operating in Bangladesh with hands-on experience in cattle farming, animal fattening, and meat supply. The business has been actively serving both individual and business customers through qurbani animal sales, shared qurbani services, and regular B2B beef supply.
Over time, Shotomul Agro Firm has built a strong operational network that includes livestock sourcing, farm management, customer handling, and meat distribution. The farm currently manages a large number of cattle, goats, sheep, and buffaloes, supported by an experienced team working directly in farm operations and sales.
The business already has an existing customer base, ongoing weekly meat supply operations, and active online and offline sales channels. During the qurbani season, the company also operates dedicated display and booking facilities to manage customer demand more efficiently.
With growing market demand for quality qurbani animals and organized meat supply services, Shotomul Agro Firm is working to expand its operations through structured and Shariah-compliant business models.
- He assures to provide high-quality cattle that are free from steroids, antibiotics, growth hormones, or any other external substances.
- His business has a well-established customer base, indicating the potential for steady revenue generation.
- He has a well-planned approach with a clear selling proposition that ensures the return of investor funds.
- His commitment to quality and customer satisfaction sets him apart from his competitors and strengthens his market position.
- He prioritizes animal welfare and ensures that his cattle are raised in a safe and healthy environment, without compromising on the quality of the end product.
- His team consists of experienced professionals who possess the necessary skills and expertise to manage the business effectively and efficiently.
- By investing in his business, you are not only contributing to its growth but also supporting the sustainable and ethical practices of the livestock industry.
The Contract:
The total investment amount will be BDT 30 lakhs.
The investment period will be 1 month.
The Contract>> Projected ROI(Return of Investment):
It will be a buy-and-sell agreement (Bai’ Murabaha Muajjala), where products are sold at a deferred payment price with an agreed profit margin added to the original cost.
## Projected ROI (Return on Investment):
The projected return for investors in this project is 2.5% for a 1-month investment cycle under a Shariah-compliant Murabaha financing model.
The investment will be used for purchasing livestock and feed, which will then be utilized in qurbani animal sales, shared qurbani services, and B2B meat supply operations during the high-demand Eid season.
Expected profits are generated through:
* Qurbani cattle sales
* Pre-booked customer orders
* Shared qurbani arrangements
* Direct meat sales
* B2B beef supply
Example: If an investor invests BDT 100,000:
* Expected Profit: BDT 2,500
* Total Return After 1 Month: BDT 102,500
The project is designed as a short-term investment opportunity backed by real business activities, existing customer demand, and active livestock operations.
Loss Sharing
1. Under the Bai’ Murabaha Muajjala principle (a buy-and-sell agreement where products are sold at a deferred price with an agreed profit margin), investors are not responsible for any business losses after the products are handed over to the merchant. Therefore, no business loss will be shared by the investors after the handover is completed.
However, if any loss or damage happens after purchasing the products from the supplier/vendor but before selling them to the merchant, the investors will bear that loss.
2. The full responsibility for repaying the investors lies with the merchant. If the merchant fails to make payment for any reason, Tahabil Limited will not be held responsible. The merchant alone will be accountable for any fraud, dishonest activity, intentional negligence, false information, or any actions committed by their employees, representatives, or contractors, including any legal liabilities that cannot be excluded or limited.
The Contract >> Contract Conditions:
All investments in this project are governed by a written agreement between the investor and the management, ensuring transparency and clear understanding of responsibilities.
The key conditions of the contract are as follows:
The investment is made under a Shariah-compliant Murabaha financing structure.
The investment amount will be used strictly for livestock purchase and related operational activities.
Profit is pre-agreed at the time of contract signing and will not be changed during the investment period.
The investment tenure is fixed for 1 month, starting from the date of fund utilization.
The principal amount will be returned in full at the end of the investment term.
Profit will be distributed after completion of the business cycle.
All transactions will be documented and recorded properly for transparency.
Neither party can unilaterally modify or cancel the agreed terms during the contract period without mutual consent.
This contract is designed to ensure clarity, trust, and Shariah-compliant business practices between all parties involved.
## Risks and Mitigation in Livestock Business:
1. *Animal disease or death risk:*
If a bull becomes sick or dies, it may lead to a loss of capital. Shatamul Agro Firm provides regular veterinary checkups and necessary treatments to reduce this risk. However, even in case of minor losses, the business can still generate sufficient profit by selling the remaining cattle and repaying investors.
2. *Theft risk during transportation and storage:*
Theft is a potential risk during movement and storage of cattle, and any such loss would be borne by the business. Tahabil Limited has inspected the cattle shed and confirmed strong security measures, including high-wire fencing, closed-circuit surveillance systems, and trusted workers.
3. *Feed cost and cattle growth management:*
Proper cost control and healthy cattle growth are essential, as feed is a major expense in cattle farming. A balanced diet is important for quality growth. Shatamul Agro Firm has prior experience in cattle rearing and follows an efficient feeding plan for the next one month.
4. *Market demand and selling strategy:*
Shatamul Agro Firm has a regular customer base developed through previous Eid sales and ongoing weekly cattle slaughtering services. They also plan to sell cattle online with sufficient lead time before Eid. Considering the growth of the digital livestock market, this strategy is expected to be effective.
5. *Weekly beef processing and quick liquidity management:*
Shatamul Agro Firm processes and sells approximately 55 Mon (22000KG) of beef every week through B2B channels. If any cattle remain unsold, they can be quickly converted into cash. Additionally, if any animal becomes unwell, it can be slaughtered early to minimize losses.
Security of Investment:
### A. Securities Taken from the Merchant by Tahabil Limited
1. *Deed Agreement (BDT 300 stamp paper):*
A formal deed will be signed on a BDT 300 stamp paper to legally document the agreement.
2. *Guarantors:*
The merchant will provide two guarantors. All guarantors will sign a legally binding guarantor agreement on stamp paper.
3. *Security Cheques:*
A total of four security cheques will be collected: one from the merchant and three from the guarantors. Each cheque will be equivalent to the total payable amount, including the agreed markup.
4. *Contingency / Backup Plan:*
The merchant has also provided a contingency plan. In case of significant loss or major business disruption, this backup plan will be activated to help protect the investment.
### B. Documents Provided to Investors by Tahabil Limited
1. Money Receipt
2. Copy of the authorized deed agreement