Food · Hamar Jajab
Contract C-2108: Profit share for a new cold room
It is worth the money it will still pay you. Money later is worth a bit less than money now, so later payments count for less. The line falls as payments reach you: that money is already yours, not lost.
At the start: $10.71
Pick a month
How much do you want to earn each year?
At the start, one unit is worth about $10.71, if you want 12% a year.
It still has $11.70 to pay out. In its last month, just before the final payment, it is worth $0.65.
The issue price is $10.00, so it is worth 7% more than that price. Buying at that price would earn about 22.5% a year.
See the numbers
| Month | Worth |
|---|---|
| Month 0 | $10.71 |
| Month 1 | $10.16 |
| Month 2 | $9.61 |
| Month 3 | $9.05 |
| Month 4 | $8.48 |
| Month 5 | $7.91 |
| Month 6 | $7.34 |
| Month 7 | $6.76 |
| Month 8 | $6.17 |
| Month 9 | $5.58 |
| Month 10 | $4.98 |
| Month 11 | $4.38 |
| Month 12 | $3.77 |
| Month 13 | $3.16 |
| Month 14 | $2.54 |
| Month 15 | $1.91 |
| Month 16 | $1.28 |
| Month 17 | $0.64 |
| Month 18 | $0.65 |
A guess, not a promise. It assumes every payment arrives in full and on time. If payments stop, a unit is worth less.
Invest
Investor #A7F2 · cash $1,450 · balance $3,500
No more than 20% of your balance can go in one business. Existing exposure: $0.
Business #K09
Fish buying and cold storage near the port.
The real name is verified by the platform through KYC and kept private. Public IDs are a deliberate security choice.
Kalsooni Score
T4899 / 1000
899 now
Dotted lines mark the scores needed for T2, T3, T4 and T5.
- Repayment history (50% weight)93
- Unrelated investors (30% weight, 71 investors)100
- Time on platform (20% weight, 24 months)67
Repayment track record
Contracts fulfilled: 2 / 2
Standard report summary
Reported by the business and checked against mobile-money statements where provided. Public to everyone.
Tranche schedule
- Tranche 1 · $7,200Upcoming
Paid once the contract is signed and the budget is approved
- Tranche 2 · $7,200Upcoming
Paid after the first monthly report is checked
- Final payout · $3,600Upcoming
Controlled by the platform. Released after reports are checked; can be paused if an anomaly is detected
Contract terms
- Investors provide the capital and the business provides the work. Profit is shared by agreed percentages. Financial losses fall on investors unless the business was negligent.
- There is no fixed repayment amount. Investors expect 12–22% over 18 months, but this depends on real profit and could be zero or negative.
- Available only at higher tiers, with verified revenue.
- If the business fails, you can lose some or all of this money. Recovery goes back to investors in proportion to what each put in.
- If fraud is found, the business is permanently banned and what remains is liquidated back to investors.
Risk disclosure
You can lose some or all of your money.
This is a venture market. These are small, young businesses, and some fail. Returns are expectations, not promises.
You may not be able to get your money out before a contract ends. Keep each investment small and spread across businesses.