Tahabil Limited, a Shariah-compliant crowdfunding platform, empowers businesses and investors through ethical financing solutions. Alongside funding external ventures, Tahabil operates its own business projects using crowdfunded capital. B2B Trading Project 3 is one such initiative, focusing on Business-to-Business (B2B) trade under Islamic finance principles.

Key Features

1. Project Duration: 1 year (12 months).

2. Funding Model: Murabaha (Cost-Plus Sale) – A Shariah-compliant transaction where goods are sold at a pre-agreed profit margin.

3. Objective: Facilitate ethical B2B trade while generating fixed, Halal returns for investors.

How It Works

1. Fundraising via Crowdfunding:

   • Investors contribute capital through Tahabil’s platform.

   • Funds are pooled to purchase high-demand goods (e.g., agricultural equipment, raw materials, electronics).

2. Procurement of Goods:

   • Tahabil acquires goods at market price using investor funds.

3. Credit Sale (Murabaha Agreement):

   • Goods are sold to pre-vetted B2B buyers on credit with a fixed profit margin (e.g., 12%).

4. Repayment:

   • Buyers repay Tahabil in agreed monthly/quarterly installments.

   • Investors receive their principal + profit proportionally.

Investor Benefits

• Halal Returns: Profit derived from tangible asset sales, no interest (riba).

• Short-Term Commitment: Capital and returns repaid within 12 months.

• Collateral-Backed: Goods serve as collateral, minimizing risk.

• Transparency: Real-time tracking of project progress and transactions via Tahabil’s digital platform.

Risk Management

1. Buyer Vetting: Only financially stable businesses with proven credibility are selected.

2. Legal Contracts: Enforceable agreements ensure timely repayments.

3. Reserve Fund: Tahabil maintains a reserve to cover unforeseen defaults.

Example Scenario

• Investment: Mr. Karim invests BDT 100,000.

• Procurement: Tahabil buys machinery worth BDT 1,000,000 using pooled funds.

• Sale: Machinery sold to a business for BDT 1,170,000 (17% profit) on credit.

• Returns: Mr. Karim earns BDT 17,000 (17% profit) + principal over 12 months.

Why Choose This Project?

• Shariah Compliance: Audited by Tahabil’s Islamic Finance Advisory Board.

• Ethical Impact: Supports local businesses and industrial growth.

• Predictable Returns: Fixed profit structure shields investors from market volatility.