Agrinofy
Musharaka Fund
শরিয়াহভিত্তিক বিনিয়োগের মাধ্যমে বাংলাদেশের কৃষিতে বিপ্লব আনা
Bangladesh’s first end-to-end Shariah-compliant agri-tech investment fund — uniting Islamic finance, precision agriculture technology, and direct market linkage into one transparent ecosystem for farmers, investors, and agri-entrepreneurs.
Bangladesh’s First Integrated
Shariah Agri-Tech Fund
We are the first to combine three critical pillars into one unified model — creating a fair, technology-driven, and market-connected agricultural investment platform.
Shariah-First Foundation
An independent Shariah Board oversees every investment stage — ensuring full compliance with Islamic finance principles at the highest standard. No riba. No ambiguity. Every contract is Musharaka or Mudaraba certified.
Technology-Powered Precision
Data-driven decision-making using AI-based monitoring, IoT soil & weather sensors, and drone surveillance reduces risk and increases yield. Farmers receive automated advisory through a mobile app — in real time.
Direct Market Linkage
Farmers are connected directly to supermarkets, food processors, and export buyers — bypassing intermediaries. Fair price is guaranteed. Partnered with Farmsfy.com supply chain for domestic and international offtake.
Four Investment & Participation Tracks
Whether you are a farmer seeking halal finance, an investor seeking ethical returns, a business seeking market access, or an institution seeking impact — there is a track for you.
- Musharaka equity-sharing investment per season
- Mudaraba silent-partner arrangement
- 15–20% target seasonal ROI (halal)
- Cash-out or auto-reinvestment exit option
- Quarterly transparent audit reports
- Shariah Board certification per contract
- Interest-free cultivation cost financing
- Seeds, fertiliser, pesticide procurement
- Labour wage coverage during the season
- IoT & AI monitoring support included
- Islamic Takaful (crop insurance) coverage
- 60% profit share for the farmer (sample ratio)
- Business feasibility study & budget planning
- Shariah-compliant contract drafting
- Expert agronomist advisory access
- Market buyer introductions via Farmsfy
- Supply chain & export linkage support
- Training workshops on modern cultivation
- Co-investment via formal MoU arrangement
- Impact reporting aligned with SDG goals
- Cross-border Shariah funding model (2030+)
- NRB diaspora investment channel
- Waqf-compatible endowment participation
- Annual impact & sustainability reporting
End-to-End Agri Value Chain
in Five Phases
From fund formation to profit distribution — a fully documented, Shariah-audited five-phase operational model.
তহবিল গঠন ও প্রস্তুতি — Capital Formation
Capital is raised from Islamic investors — individuals, NRBs, Islamic banks, and Waqf funds. An Investment Management Team and an independent Shariah Board are constituted. Investor onboarding is conducted through corporate roadshows, events, and a digital platform.
কৃষক অন্তর্ভুক্তি ও চুক্তি — Screening & Contract
Applications are received via digital app, website, or local agents. Field-level verification covers land fertility, irrigation, and market access. Project feasibility and budget are prepared. A legally binding Shariah-compliant Musharaka or Mudaraba contract is signed by both parties — with profit ratios, responsibilities, and risk terms clearly defined.
বিনিয়োগ ও উৎপাদন — Capital at Work
Investment is released in stages for inputs (seeds, fertiliser, pesticides), land preparation, irrigation, and labour wages. IoT sensors and drones monitor soil, weather, and crop health in real time. AI-driven advisories are pushed to farmers via mobile app. Islamic Takaful crop insurance protects against natural disasters and uncontrollable loss events.
ফসল সংগ্রহ ও বাজার — Offtake & Sales
Harvested produce is channelled directly to pre-arranged off-takers — supermarkets, food processing companies, and export buyers — through the Farmsfy supply chain. Buy-back arrangements eliminate dependence on volatile spot markets. A market linkage commission is earned by the fund. Fair price for the farmer is contractually secured.
লাভ বণ্টন ও প্রভাব মূল্যায়ন — Distribution & Reporting
Net profit (after all costs) is distributed per the signed contract — typically 60% Farmer / 40% Fund. Investors receive their proportional share with full audit documentation. Two exit options: Cash-Out (return principal + profit) or Re-Investment (auto-roll into next season). Impact metrics — productivity gains, farmer income, food security contribution — are reported.
Built for Every Stakeholder
in Bangladesh’s Agri Economy
Musharaka Fund connects farmers, investors, entrepreneurs, institutions, and market buyers in one shared-value ecosystem.
Small & Medium Farmers
Access interest-free cultivation finance, modern agri-tech support, and guaranteed market access — without depending on moneylenders or middlemen.
Halal Investors
Earn 15–20% seasonal halal returns through transparent Musharaka/Mudaraba contracts — with full Shariah Board oversight and quarterly audit reports.
Agri-Entrepreneurs
Launch or scale agri-ventures with feasibility planning, Shariah-compliant contracts, expert advisory, and market buyer introductions through Farmsfy.
Islamic Banks & Waqf Funds
Co-invest through formal MoU arrangements. Receive SDG-aligned impact reporting and benefit from a cross-border Shariah funding model launching in 2030.
NRB & Diaspora Investors
Invest from abroad into Bangladesh’s agricultural future through a structured, Shariah-compliant platform — with transparent digital reporting and halal returns.
Market Off-Takers & Exporters
Access a consistent supply of verified, quality-controlled agro-products through Farmsfy — with supply chain transparency and contract-based procurement.
2025–2031: From Pilot to
International Islamic Agri-Fund
A phased expansion from a 20–50 farmer pilot to a 50,000-farmer national network — and ultimately a globally recognised Islamic agri-investment model.
Pilot Launch (20–50 Farmers)
Run a small-scale pilot to validate the operational model, measure profitability, and test risk management systems. Pilot report used to attract seed investment.
Technology Expansion (1,000 → 10,000 Farmers)
Scale to 10,000 farmers across major crops (rice, vegetables, fruit). Full IoT and AI deployment. Formal partnerships with Islamic banks and Takaful providers. First agro-export market entries.
50 Districts, 50,000 Farmers
Nationwide presence across 50 districts. Value-added processing units launched. Supply chain fully automated to minimise waste. Measurable contribution to national food security. Stable, predictable ROI for investors.
International Islamic Agri-Fund
Repositioned as a cross-border Islamic agri-fund with international investor access. A Centre of Excellence for sustainable, climate-resilient agriculture hub. Knowledge, research, and technology exchange with global partners.
Five-Layer Risk Mitigation System
Agricultural and financial risks are addressed through a structured combination of technology, Islamic insurance, transparent contracts, and community oversight.
Agricultural Production Risk
Mitigated by Shariah-compliant Takaful crop insurance, IoT/AI early-warning monitoring, and crop diversification strategies across the portfolio.
Market Price Risk
Pre-arranged buy-back contracts with supermarkets and exporters lock in prices before harvest. A marketplace and logistics platform eliminates unplanned spot-market dependence.
Financial Integrity Risk
Individual Shariah contracts per project, digital transparent payment systems (mobile banking and digital wallets), and regular independent fund audits prevent misuse of capital.
Social & Compliance Risk
Farmer Participation Agreements with clearly defined duties. Training and capacity building programmes. Community-based monitoring through village-level social liaison networks.
Investor Confidence Risk
Quarterly reports and independent audits published transparently. Seasonal exit options — Cash-Out or Re-Investment. A strong Shariah Board and professional advisory council provide ongoing governance.
Common Questions
Ready to Invest in Bangladesh’s
Agricultural Future?
Whether you are an investor seeking halal returns, a farmer seeking fair finance, or an institution seeking impact — Musharaka Fund has a place for you.