Bilal Saleem Oil Industries is engaged in Cotton Ginning, Oil & Oil Cake Manufacturing (Oil Extraction)

from Cotton Seeds, rap seed, canola, sunflower & other Oil Seeds & Trading business. They purchase Raw

Cotton directly from Growers/Brokers or through brokers/commission agents. The market norm is that

growers deliver cotton seeds at the factory of customer, where it is weighed and then entered into the factory

premises and is kept separately with proper marking of weight and supplier name. Regarding the price of

goods delivered it is mutually agreed at the time of receipt of goods that whatever will be the market rate of

phutti in 8th day or 5th day will be paid to the grower. Moreover the inventory holding period of the client is

minimum 3 Days, but it usually varies to 4-5 Days in higher consumption seasons. The customer requires a

proper financing mode to serve this need and to arrange an easy payment connection between the payment

receipts from ultimate customers and payment to be made to the suppliers.

Required:

1) What factors must be considered by you before finalizing Shari'ah Compliant process flow for the client.

2) Devise a process flow based upon your recommendations.