Preheat your oven to 350°F (175°C) and line an 8×8 inch baking pan with parchment paper.

In a mixing bowl, combine the flour, melted butter, and granulated sugar, stirring until you have a crumbly mixture.

Press this mixture evenly into the bottom of the prepared baking pan, creating a firm base.

Bake for 10-12 minutes, or until lightly golden.

While the base is baking, in another bowl, mix the shredded coconut and sweetened condensed milk until well combined.

Once the base is out of the oven, spread the coconut mixture evenly over it.

Return to the oven and bake for another 15-18 minutes, or until the coconut layer is set and slightly golden at the edges.

Remove from the oven and let it cool completely.

In a microwave-safe bowl, combine the chocolate chips and coconut oil, microwaving in 30-second intervals and stirring in between, until smooth and melted.

Pour the melted chocolate over the cooled coconut layer, spreading it evenly.

Refrigerate for at least an hour until the chocolate is firm.

Once set, cut into bars and enjoy the delightful flavors!