Amader™ Cloud Funding (Murabaha-Based Trade Model)

1. Declaration Statement

This Shariah Compliance Declaration is issued to clarify that Amader™ Cloud Funding is structured and operated in accordance with Islamic Shariah principles, specifically based on a Murabaha (cost-plus trade) and asset-backed business model.

This declaration applies to all investors, stakeholders, and related parties participating in the Amader™ Cloud Funding initiative.

2. Nature of the Investment

Amader™ Cloud Funding is not a loan, not an interest-bearing scheme, and not a donation.

It is a trade-based, asset-backed investment model, where funds are utilized to purchase real and identifiable assets, namely:

• Mustard Seed (সরিষা   বীজ) sourced from local farmers in Bangladesh.

These assets are then stored, processed, and utilized for the production of Amader™ Ghani Vanga Mustard Oil.

3. Shariah Basis of the Model

The investment model follows the fundamental principles of Murabaha and Islamic trade, which include:

• Existence of a real, tangible asset
• Transparency in cost, expenses, and profit calculation
• Absence of interest (Riba)
• Absence of excessive uncertainty (Gharar)
• Absence of gambling or speculation (Maisir)

Profit is generated from actual trade and value addition, not from the passage of time or lending money.

4. Ownership & Asset Backing

Funds provided by investors are used to purchase mustard seed, which is:

• Physically acquired from farmers
• Stored in Amader™ warehouse facilities
• Properly documented through purchase records and stock reports

During the trade cycle, the investment remains asset-backed, ensuring compliance with Islamic ownership principles.

5. Use of Funds

Collected funds are utilized exclusively for:

• Seasonal purchase of mustard seed
• Storage and warehouse handling
• Milling and oil production processes
• Necessary operational activities directly linked to the trade

Funds are not used for speculative, non-halal, or interest-based activities.

6. Cost Deduction Policy

Before calculating distributable profit, actual business expenses are deducted, including but not limited to:

• Transportation cost
• Labor and processing cost
• Warehouse and handling cost

These costs are considered legitimate trade expenses and are not treated as profit.

7. Profit Generation & Distribution

Profit arises from:

• Seasonal price variation of mustard seed
• Value addition through processing and oil production

After deduction of actual costs, the remaining Net Business Benefit is distributed as follows:

• 60% to Investors (2nd Party)
• 40% to Amader eBuy Ltd. (1st Party) as working and processing partner

No fixed or guaranteed interest is promised.

8. Risk Sharing Principle

In accordance with Shariah principles:

• Profit is linked to actual business performance
• Investors share business risk related to market conditions
• There is no guaranteed return independent of trade outcome

This ensures compliance with the Islamic principle of risk-sharing (Al-Ghunm bil-Ghurm).

9. Tenure & Exit Policy

• Standard investment tenure is 8 months
• Early exit may be allowed subject to:
  • Minimum 1 (one) month prior notice
  • Asset liquidation and account settlement

Immediate exit is not guaranteed due to the asset-backed nature of the investment.

10. Transparency & Audit

To ensure trust and accountability:

• All major transactions are documented
• Inventory, processing, and sales records are maintained
• Profit calculations are verifiable
• Independent third-party audit may be conducted when required

11. Prohibited Elements (Explicitly Excluded)

This investment model strictly excludes:

• Interest (Riba)
• Compounding returns
• Fixed or guaranteed profit unrelated to trade
• Speculation or gambling (Maisir)
• Excessive uncertainty (Gharar)

12. Compliance Declaration

Amader™ hereby declares that:

This Cloud Funding model is designed and executed as a Shariah-compliant, asset-backed Murabaha trade structure, aligned with Islamic business ethics and principles.

All operational decisions are taken with due consideration to Shariah compliance, transparency, and fairness among all parties.

13. Legal Disclaimer

This Shariah Compliance Declaration is provided for informational and clarification purposes only.

Final rights, obligations, and conditions shall be governed exclusively by the written Murabaha Agreement executed between the parties.

Issued by:  
Amader eBuy Ltd.  
(Amader™ Brand Owner)