Since 2020, DIGI FARMERS LIMITED has been operating in Bangladesh. It is one of the country’s prominent Shariah-compliant, profit-oriented companies.
In Islam, interest (riba) is considered unjust because it leads to
inequality and exploitation between lenders and borrowers. Since interest is
prohibited (haram) in Islam, any form of financing based on interest is also
prohibited. That’s why in Shariah-compliant finance, the model of Musharakah
plays a significant role in fulfilling financial demands.
"Musharakah" is an Arabic term meaning partnership or joint venture.
It serves as an ethical alternative to interest-based financing.
DIGI FARMERS LIMITED operates an
investment fund that raises capital from interested individuals based on the
principles of Musharakah. Since its inception, DIGI FARMERS LIMITED has
gradually enhanced its capabilities through coordinated management of
production, sales, and capital. In recent financial years, the company has been
able to ensure an average Return on Investment (ROI) of 14% to 18%.
The expected ROI is 15% to 20%, which is only an estimate and may vary.
Terms & Conditions of Investment
1. Our investors will be
considered as "Silent Partners," and "DIGI FARMERS LIMITED"
will be considered as the "Working Partner." As per the mutual
consent of the investors and "DIGI FARMERS LIMITED," the company will
supervise all projects and businesses to ensure financial control and
decision-making related to the investment.
2. The Silent Partners will enter
into an agreement with "DIGI FARMERS LIMITED," which will grant the
freedom to finance any Shariah-compliant business operated by "DIGI
FARMERS LIMITED."
3. The minimum investment amount will be BDT 50,000 (fifty thousand taka) or more.
Profit Distribution
1. The investor will be provided
with an annual profit ranging from 14% to 18% on their invested amount,
depending on the project. The profit amount will be added monthly to the
investor's ID provided by "DIGI FARMERS LIMITED." The investor may
withdraw the profit at any time on a monthly, quarterly, or yearly basis as per
their convenience. Upon application through the mobile application provided by
"DIGI FARMERS LIMITED," the profit amount will be transferred within
24 hours to the investor’s designated bank account or any other preferred
medium. Weekly government holidays and official banking hours will be
considered while processing the profit disbursement. An annual business report
will be provided to each investor, and after the financial year ends, the
investor’s capital will be adjusted based on the actual profit or loss. No
fixed return will be offered to investors, as this is completely against
Shariah principles. Monthly profit will be distributed based on the annual rate
starting from the 45th day after the investor deposits their capital.
2. After the end of the financial
year, the net profit will be calculated based on the total profit earned from
all projects.
3. Each investor will be able to
purchase DFarmers' own produced and collected products at a 10–20% discount
from the market price.
4. "DIGI FARMERS LIMITED" only undertakes project expansions based on profitable, reliable, and long-term operational plans. The net annual profit or loss will be determined by the total of all profits or losses from all invested projects.
Distribution of Losses
At "DIGI FARMERS LIMITED," profit and loss are shared entirely based on Islamic principles. We are committed to making the best efforts to safeguard our business. However, in cases of economic crises or any natural or man-made disasters beyond our control, both parties will have to bear the share of the loss. In the event of any unforeseen or undesirable loss, we will attempt to balance it using profits from our other projects. However, if the loss affects the principal capital, the entire loss will be borne by the working partner, proportionate only to the invested capital.
Contract Cancellation
An investor may withdraw their investment at any time for personal needs. However, if the withdrawal is made before the completion of 6 months from the date of investment, any profit previously withdrawn by the investor will be considered refundable. Additionally, upon application, the investment amount will be returned within 7 working days after deducting 6% from the invested capital.
Transaction Security & Contract Documentation
The investor must pay a documentation fee of BDT 400 (four hundred taka)
if the agreement is to be printed on stamp paper. Otherwise, the agreement will
be printed on the official pad of the company (DIGI FARMERS LIMITED) free of
charge.
For security reasons, all transactions will be conducted exclusively through bank accounts. Under no circumstances will any form of cash transaction be accepted. Bank statements will be preserved for future reference, and the agreement documents will be shared after thorough verification. If desired, the investor may collect all necessary documents by visiting the head office or receive them via courier.
Current Business Opportunities and Ongoing Projects under
1. Dairy Farm: A modern dairy milk processing factory has been established in Kadamtali, Sirajganj district with funding from DIGI FARMERS LIMITED. In this factory, milk collected from cow farms is processed using advanced technology. Every month, approximately 10,000 liters of milk and various dairy products such as ghee, yogurt, and cheese are produced. The factory sources raw materials from local farmers, helping them become financially self-reliant. Moreover, the products are marketed while maintaining health and natural quality standards.
2. Cattle Farming: Livestock farming is an
integral part of Bangladesh's complex agricultural system. It is not only a
source of meat protein but also a major source of employment, as well as
agricultural self-reliance. This contribution includes various uses beyond food
production, such as leather, fibers, fertilizers, and fuel, as well as capital
accumulation. The livestock sub-sector provides full-time employment for 25% of
the total population and part-time employment for another 50%. Cattle and goat
farming activities contribute about 650,000 million Taka to Bangladesh's
economy, with 70% of the transactions occurring among rural farmers.
A cattle farming project is being implemented in the Pahar Ujilab area of Belabo, Narsingdi District, financed by DIGI FARMERS LIMITED. Under this project, the focus is on raising improved breed cattle, food management, and ensuring veterinary services. The cattle are being raised in a hygienic manner to meet the goals of milk and meat production. The project has created employment opportunities for local people and is making a significant contribution to the agriculture-based economy.
3. Vegetable Farming: Bangladesh is a developing country in agricultural economics. Vegetable farming is a crop cultivation initiative that ensures the country's food and nutrition security. In Bangladesh, around four million people, including more than one million women, are involved in commercial or household vegetable farming. Vegetable farming in Bangladesh is rapidly increasing these days. Currently, 2.57% of the total land in Bangladesh is used for vegetable production, which produces 3.73 million tons of vegetables annually. Compared to other crops, farmers benefit much more from vegetable farming. Vegetables have the potential to improve the nutritional status of Bangladeshis suffering from severe malnutrition. We produce various vegetables on our own land. We also provide training to farmers on producing different vegetables. There is a vegetable farming project in the Ujilab Pahar, Belab, Narsingdi district, funded by DIGI FARMERS LIMITED.
4. Rice Processing: Almost 25 million farmer families in the country cultivate rice. Approximately 155,000 hectares of land are used for rice cultivation, which has remained almost stable over the past three decades. About 75% of the total arable land and more than 80% of the total irrigated land are used for rice farming. Therefore, rice plays an important role in the livelihood of the people of Bangladesh. The population of Bangladesh is still increasing by approximately 2.5 million annually, and it is expected to increase by another 30 to 40 million in the next 20 years. Therefore, by 2030, Bangladesh will need about 30.26 million tons of rice. During this period, the total area of rice fields will also decrease to 15.5 million hectares. Therefore, rice production needs to be increased from the current 2.74 tons/hectare to 3.74 tons/hectare. We are working towards this goal. With our own land and by assisting farmers, we are playing a special role in increasing rice production. There is a rice farming project in Narsingdi district, funded by DIGI FARMERS LIMITED.
5. Poultry Farming: Poultry farming is the process of raising various types of birds for the production of meat, eggs, feathers, or for sale. In Bangladesh, poultry is primarily used for meat and eggs. The climate of Bangladesh is suitable for poultry farming, and for many years, various types of poultry birds have been domesticated. Poultry provides companionship, food, and fibers in the form of eggs, meat, and feathers. Many people like to raise and display chickens and other poultry species at fairs and other poultry exhibitions. Others prefer to raise them as backyard pets and for fresh eggs every day. Farms produce 570 million tons of meat and 7.34 billion eggs annually. Poultry feed is mainly made from imported soybeans and soybean meal. Poultry farming is an important component of modern agriculture, playing a vital role in the production of eggs and meat, and making a significant contribution to the overall food industry. There is a poultry farming project in Shibaloy, Manikganj district, funded by DIGI FARMERS LIMITED.
6. Fish Farming Project: A comprehensive fish farming project is being operated under the supervision of DIGI FARMERS LIMITED in the Gafargao, Baluka, and Mymensingh regions. Under this project, we have 6 ponds on our own 273 decimals of land, where various species of fish are cultivated. Fish production is being increased using advanced farming methods, monitored water management, and high-quality feed. Commercial quantities of fish are regularly produced from this project and supplied to local markets.
7. DFarmers Bazar’s Club:
DFarmers' product trade simplification project has opened a new horizon in
agricultural commerce. We have established a transparent, farmer-centered
platform that enhances the production efficiency of local farmers through
training and makes agricultural work more sustainable. To reduce the burden of
high-interest loans on farmers, DFarmers is implementing various
agriculture-based projects by sharing capital with farmers.
Our goal is to ensure fair prices for farmers and deliver their produced
goods directly to consumers. To this end, we have established DFarmers Bazar
Club, where our investors can purchase products at nearly 20% lower prices than
the market rate. Through our mobile application, vegetables can be marketed and
purchased very easily, benefiting both consumers and farmers.
DFarmers facilitates farmers' access to markets, plays a role in ensuring fair
prices, and increases growth and profitability by empowering small-scale
farmers. This initiative is not just an investment opportunity; it is a social
change where innovation and humanitarian values work together.
8. Febstyle: An initiative
of DIGI FARMERS LIMITED, Febstyle currently manufactures and markets
cotton t-shirts, panjabis, and shirts. As time progresses, we are working to
diversify our product range. In the future, we plan to produce and market denim
pants, twill/mesh fabric pants, sports trousers, jogger pants, hoodies,
abayas-burqas, various curtain dresses, and necessary food ingredients.
Our goal is to deliver a wide range of functional and quality products to
consumers while maintaining high standards. With sufficient capital and support
from well-wishers, we hope to be able to provide quality products on a larger
scale in the near future, InshaAllah. Currently, our outlet is located in
Mirpur 12, Dhaka. For more details, you can visit this website: www.febstyle.com.
9. MeyeGhor: A sub-brand under DIGI FARMERS LIMITED. Meye
Ghor is a sales zone for sophisticated and elegant women's accessories. Outlet:
MuktoBangla Market (2nd Floor), Mirpur-01, Dhaka. For more details, you can
visit this website: www.meyeghor.com.
10. BDTAXATION: The largest tax information repository in
Bangladesh. All solutions related to tax issues can be found here. You can
visit www.bdtaxation.com.
11. Techyfo: This subsidiary works in various IT sector services.
For more details, you can visit this website: www.techyfo.com.
12. Lokkha.com: This subsidiary works in the education sector. For more details, you can visit this website: www.lokkha.com.
DFarmers is registered and operates under the laws of Bangladesh. All investments are documented through official agreements, and the company adheres to financial and agricultural regulatory standards.
DFarmers connects investors with sustainable agricultural projects in Bangladesh. We focus on eco-friendly ventures like crop farming, fish farming, and livestock to create growth and generate attractive returns. Join us in building a greener, more prosperous future for agriculture.
Copyright @ Digi Farmers Ltd. All Rights Reserved. Developed By Techyfo