Mudaraba ( Islamic Banking's one most important term)
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This presentation summarizes the Islamic financing contract of Mudarabah. Mudarabah is a contract between an investor, or Sahib al-Maal, who provides capital to an entrepreneur, or Mudarib, who manages the capital. Any profits are shared according to the contract terms, while losses are borne solely by the investor. The presentation outlines the roles and responsibilities of each party, including how the Mudarib must conduct the business independently and not interfere. It also discusses contract violations, guarantees, expenses, and termination conditions for a Mudarabah agreement.
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2. The purpose of Islamic finance is to mobilize resources for development while conforming to Islamic principles like prohibiting Riba (interest) and Gharar (excessive uncertainty).
3. Islamic banks utilize various financing techniques based on profit-and-loss sharing like Mudarabah, Musharakah, Murabaha, and Ijara to provide financing alternatives to interest.
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Musharakah is a partnership where two or more parties contribute capital and labor to a business, sharing profits and losses. Mudarabah involves one party providing capital (rabb-ul-mal) and another providing labor (mudarib), with profits shared according to agreement. Riba refers to interest charged on loans, which is prohibited in Islam as it is unjust. The document outlines other Islamic modes of financing like project financing, securitization of musharakah, and using these structures for working capital or single transactions.
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Murabaha is an Islamic financing structure where a financial institution purchases an asset for a customer and sells it to them at an agreed upon markup. The document defines Murabaha, provides examples of how it works, and answers common questions about the process. Key points include:
- In Murabaha, the cost of the asset and the pre-agreed profit amount must be disclosed to the customer.
- The financial institution purchases the asset then sells it to the customer for a higher price paid in installments or all at once.
- The customer can be appointed as an agent to select the asset on behalf of the bank.
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This is an authentic presentation on the fiqh and practical applications of the Islamic financial instrument of Mudarabah. This is compiled from authentic sources and is relevant especially against the backdrop of Islamic banking.
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2. It involves the customer first requesting the purchase from the financier. The financier then appoints the customer as an agent to identify and procure the asset. Once purchased, ownership is transferred to the financier before being sold to the customer.
3. The transaction involves two separate contracts - one where the customer acts as the financier's agent in purchasing the asset, and another where the customer acts as buyer and the financier as seller, with ownership transferring upon sale. This ensures risks are properly assumed under
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2. The purpose of Islamic finance is to mobilize resources for development while conforming to Islamic principles like prohibiting Riba (interest) and Gharar (excessive uncertainty).
3. Islamic banks utilize various financing techniques based on profit-and-loss sharing like Mudarabah, Musharakah, Murabaha, and Ijara to provide financing alternatives to interest.
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- In Murabaha, the cost of the asset and the pre-agreed profit amount must be disclosed to the customer.
- The financial institution purchases the asset then sells it to the customer for a higher price paid in installments or all at once.
- The customer can be appointed as an agent to select the asset on behalf of the bank.
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This document summarizes the key differences between conventional insurance and Islamic insurance (takaful). Takaful is based on risk-pooling and mutual protection among policyholders, rather than risk transfer from policyholders to insurers. It avoids elements of riba (interest), gharar (uncertainty), and maisir (gambling) through a cooperative donation scheme where participants contribute to a common fund to make payouts to those affected by losses. While based on tabarru (donation), takaful also provides participants rights to claim compensation, so it is considered a qualified rather than pure tabarru contract.
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1. Mudarabah is a type of partnership where one partner provides capital to another to invest in a business venture, with profits shared according to a predetermined ratio.
2. There are two types of Mudarabah: restricted, where the capital provider specifies the business or place of investment, and unrestricted, where full freedom of investment is given.
3. In a Mudarabah, the capital provider is called Rab-ul-Maal and the manager is called Mudarib. The Mudarib acts as a trustee, agent, partner, and is liable for negligence, while also being entitled to a fee if the Mudarabah is terminated.
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Here are the steps to setup the Musharakah company for Case 1:
1. Partner A and Partner B form a Musharakah company on Jan 1 with a capital contribution of Rs. 10 million and Rs. 5 million respectively.
2. The company operates throughout the year and earns a profit of Rs. 3 million by Dec 31.
3. As per the agreed ratio, the profit of Rs. 3 million is distributed between Partner A and Partner B in the ratio of their capital contribution i.e. Partner A receives Rs. 2 million (10/15 of Rs. 3 million) and Partner B receives Rs. 1 million (5/15 of Rs. 3 million).
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1) Mudarabah is a partnership agreement where one party provides capital while the other provides labor and management skills, with profits shared between the parties according to a predetermined ratio.
2) In mudarabah, the capital provider is called rabb-ul-maal and the manager is called the mudarib. The mudarib manages the business while the rabb-ul-maal does not interfere.
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2) It involves the bank disclosing the purchase price and profit amount to the customer upfront.
3) Murabahah is commonly used for import financing, working capital, and other purchases where the bank acts as an intermediary in the transaction.
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2. There are two types of Mudarabah: restricted, where the capital provider specifies the business or place of investment, and unrestricted, where full freedom of investment is given.
3. In a Mudarabah, the capital provider is called Rab-ul-Maal and the manager is called Mudarib. The Mudarib acts as a trustee, agent, partner, and is liable for negligence, while also being entitled to a fee if the Mudarabah is terminated.
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Here are the steps to setup the Musharakah company for Case 1:
1. Partner A and Partner B form a Musharakah company on Jan 1 with a capital contribution of Rs. 10 million and Rs. 5 million respectively.
2. The company operates throughout the year and earns a profit of Rs. 3 million by Dec 31.
3. As per the agreed ratio, the profit of Rs. 3 million is distributed between Partner A and Partner B in the ratio of their capital contribution i.e. Partner A receives Rs. 2 million (10/15 of Rs. 3 million) and Partner B receives Rs. 1 million (5/15 of Rs. 3 million).
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application of fund (al-mudarabah)
1) Mudarabah is a partnership agreement where one party provides capital while the other provides labor and management skills, with profits shared between the parties according to a predetermined ratio.
2) In mudarabah, the capital provider is called rabb-ul-maal and the manager is called the mudarib. The mudarib manages the business while the rabb-ul-maal does not interfere.
3) Mudarabah can be used by Islamic banks for investment purposes and financing projects, businesses, and private equity through profit-sharing with entrepreneurs. Deposits from customers to banks are treated as rabb-ul-maal funds to be invested by the bank as mudarib.
ISB540 - Chapter 8
1) Murabahah is an Islamic financing contract where the bank purchases an asset for the customer and sells it to them at an agreed upon profit.
2) It involves the bank disclosing the purchase price and profit amount to the customer upfront.
3) Murabahah is commonly used for import financing, working capital, and other purchases where the bank acts as an intermediary in the transaction.
Bai salam & istisna
The document discusses the Islamic financing contracts of Salam and Istisna. Salam allows payment in advance in exchange for deferred delivery of goods, while Istisna is used for manufacturing goods where the price is paid in installments over time or on delivery. Both contracts aim to fulfill financing needs and provide alternatives to interest-based loans. Key conditions and differences between the two contracts are outlined.
Fundamental of Islamic Banking - Application of Funds
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Fundamental of Islamic Banking - Treasury
This document provides an overview of Islamic banking and finance practices in Malaysia, including the Islamic Inter-Bank Money Market (IIMM) and foreign exchange trading. The IIMM facilitates short-term liquidity management between Islamic banks using various Shariah-compliant instruments like Mudharabah Inter-Bank Investment and Wadiah Inter-Bank Acceptance. The document also outlines Government Investment Issues, Bank Negara Monetary Notes, and other instruments that Islamic banks can use for liquidity management. It describes the concepts of foreign exchange trading like Bai' al-Sarf that are applied in Malaysia in accordance with Shariah.
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This document discusses credit risk in Islamic finance. It begins by defining credit risk as the potential financial loss from a counterparty failing to meet contractual obligations. It then outlines the various types of credit risk exposures that can occur in common Islamic financing contracts such as mudarabah, musharakah, murabahah, ijarah, salam and istisna. The document also discusses IFSB guiding principles for credit risk management, including conducting due diligence reviews and having appropriate risk mitigation techniques. It emphasizes the importance of effective credit risk management for ensuring the financial stability and growth of Islamic banks.
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Clase01 Diego La Torre
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Similar to Mudaraba ( Islamic Banking's one most important term)
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This document discusses the concept of mudarabah, a type of partnership in Islamic finance. In a mudarabah, one partner provides capital while the other provides management and labor. Profits are shared according to a predetermined ratio, while losses are absorbed by capital first. There are two types of mudarabah - restricted and unrestricted - which differ in how much freedom the mudarib is given to make investment decisions. The document outlines rules around profit and loss distribution, duties of each partner, and circumstances under which the mudarabah contract can be terminated.
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The document discusses the concept of Mudarabah, an Islamic financing structure. Mudarabah is a partnership between an investor and a manager, where the investor provides capital and the manager provides labor/expertise. Profits are shared according to a pre-agreed ratio, while losses are borne solely by the investor. The document outlines the key elements of Mudarabah contracts including capital requirements, management roles, profit/loss distribution, and termination procedures. It also compares Mudarabah to other structures like Musharakah and analyzes various risks in Mudarabah like credit, market, and liquidity risks.
Islamic banking institutions' products and services
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Burj Bank Limited is Pakistan's sixth full-fledged Islamic commercial bank, operating according to Shariah principles of Islamic finance. It offers various Shariah-compliant financing products using modes of financing like musharakah and mudarabah.
Musharakah involves a partnership where both parties contribute capital and share profits and losses. It is used by Burj Bank for project financing, working capital, imports and more. Mudarabah is an investment partnership where one party provides capital and the other manages it, splitting profits according to a predetermined ratio. Burj Bank uses detailed rules and contract terms for musharakah and mudarabah arrangements with customers.
Burj bank limited
Burj Bank is an Islamic commercial bank in Pakistan that offers various Shariah-compliant financing products using principles like musharakah and mudarabah. Musharakah involves a partnership where both parties share profits and losses from a joint business venture. Burj Bank uses musharakah for project financing, working capital financing, and other services. Mudarabah is a partnership where one party provides capital and the other provides management expertise. Burj Bank uses mudarabah for short, medium, and long-term financing, project financing, import/export financing, and other services. Both musharakah and mudarabah aim to share risks and profits in accordance with Islamic principles prohibiting interest/
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This document discusses various Islamic modes of financing including ideal modes like Musharakah and Mudharabah as well as non-ideal modes like Murabahah and Ijarah. It provides details on the concepts, rules and applications of each mode. Musharakah involves a joint partnership where profits and losses are shared based on capital ratios. Mudharabah involves an investor providing capital to an entrepreneur to invest with profits shared per an agreed ratio. Murabahah and Ijarah are commonly used in banking with Murabahah being a cost-plus sale and Ijarah involving the leasing of an asset.
Alhuda CIBE - Mudarabah by Muhammad Zubair Usmani
1. Mudarabah is a type of partnership where one partner provides capital to another to invest in a business venture. Profits are shared according to a predetermined ratio, while losses are borne solely by the capital provider.
2. There are two types of Mudarabah - restricted, where the capital provider specifies the business or place of investment, and unrestricted, with broader investment freedom.
3. A Mudarabah can be terminated by either party through notice and distribution of profits/losses occurs according to capital ratios at termination.
CH# 3 MUDARABAH.pptx
This document discusses mudarabah agreements as a mode of Islamic financing. It defines mudarabah as a partnership where one partner provides capital and the other provides management and labor to invest in a business venture, with profits shared according to a predetermined ratio. It distinguishes mudarabah from musharakah, and outlines the types and conditions of mudarabah agreements, including distribution of profits and losses. It also discusses how mudarabah and musharakah can be combined or used to finance various transactions and projects.
Fiqhof Islamic Finance
This document provides an overview of various Islamic finance concepts including Musharakah (partnership), Mudarabah (profit-sharing partnership), Murabahah (cost-plus sale), Ijarah (leasing), and Bai Mu'ajjal (deferred payment sale). It defines these concepts, outlines their basic rules and differences, and provides examples to illustrate how they work in practice.
Fiqh
This document provides an overview of key Islamic finance concepts including Musharakah, Mudarabah, Murabahah, and Ijarah. It defines Musharakah as a partnership contract between partners on both capital and profit. It can include partnerships of ownership or contracts. Mudarabah is a partnership where one partner provides capital and the other provides labor/management. Key differences between Musharakah and Mudarabah are outlined. Murabahah is a sale with a specified profit markup agreed upon by both parties. Ijarah refers to hiring or leasing, where the benefits of an asset are transferred for rent.
Promoters
Promoters are individuals who conceive of and organize the formation of a new company. They take on important preliminary responsibilities like drafting founding documents, recruiting initial shareholders and directors, and facilitating the legal registration of the company. Promoters occupy a fiduciary role and are therefore prohibited from making secret profits or failing to disclose material facts about transactions between themselves and the company.
shirkah dan mudharabah
Shirkah refers to partnership in Islamic commercial law. There are two main types: shirkah al milk which is joint ownership of property, and shirkah al 'aqd which is a joint commercial enterprise where partners share capital and profit. Mudharabah is a specific type of partnership where one partner provides capital to another to invest in a business venture. The capital provider shares profit according to a profit ratio but bears any losses. Double mudharabah allows the capital from one mudharabah partnership to be invested in another mudharabah contract.
Topic ii. participatory modes of islamic finance musharakah and mudarabah(2)
Musharakah, Mudarabah, and Diminishing Musharakah are participatory modes of Islamic finance.
Musharakah is a partnership where both partners provide capital and work, and share profits according to agreement but losses according to capital contribution. Mudarabah is a partnership where one partner provides capital while the other provides expertise, with profits shared according to agreement but losses borne by capital provider.
Diminishing Musharakah allows a client to gradually purchase a financier's shares in a jointly owned asset over time through periodic payments until becoming sole owner, compensating the financier through return of capital. These structures can be used to finance various projects and transactions in
An Islamic Perspective of Business Finance (A Comparative Study with Conventi...
India is big country with the population of 1.210 billion of which about 172 million (14%) are
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the various Islamic investment modules. The emphasizing on important investment modules in
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Lecture 11 debt finace m&dm df islamic modes of financing
This document discusses various modes of finance, including debt finance and Islamic finance. It defines debt finance as raising money through bonds, bills or notes that must be repaid with interest. The merits of debt finance include maintaining ownership, tax deductions on interest payments, and flexibility. However, debt finance also requires repayment of principal and interest, can impact credit ratings, and requires sufficient cash on hand. The document then outlines various Islamic modes of finance, including rental-based financing like leasing, participatory models like mudarabah and musharakah, and trade-based models like murabahah, salam and istisnaa.
Mode-type-of-deposit-investment-bb-guideline
Islamic banks receive deposits under two principles: Al-Wadeeah and Mudaraba. Under Al-Wadeeah, deposits in current accounts are held with permission to invest funds, with no profit/loss sharing. Under Mudaraba, deposits are invested with profit shared according to a predetermined ratio, and losses borne by the bank. Common deposit types include Mudaraba savings deposits, short notice deposits, and term deposits. Islamic banks primarily invest using modes like Mudaraba, Musharaka, Murabaha, Bai Muajjal, Salam, Istisna, Ijara, and others in accordance with Shariah principles.
Letter of Gurantee
This document provides an outline and overview of guarantees. It defines a guarantee as an undertaking by a guarantor to make payment to a beneficiary if the principal defaults. It discusses the key parties in a guarantee - the beneficiary, principal, and guarantor. It also describes the types of guarantees including conditional/unconditional, fixed/fluctuating, financial, and performance guarantees. Finally, it outlines the benefits of guarantees to banks, principals, and beneficiaries.
Mode of islamic finance
The document discusses various Islamic financing contracts including Istisna, Salam, Mudarabah, Musharakah, and Murabahah.
It provides definitions and key conditions for each contract type. For example, it explains that Istisna is a sale transaction where the commodity is not yet in existence, while Salam is an agreement where the seller supplies specific goods to the buyer at a future date in exchange for full payment at the time of contract.
The document also provides examples of how these contracts can be structured and applied in practice for various financing needs like home and project financing.
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Objective of the study,Methodology,
Recruitment and selection procedure for Entry level Position:
Training Techniques followed by NCCBL:
Compensation Policy
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Compensation practice
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Hotel Business
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Broad objective: To explore the causes of employee’s turnover of Super Hostel BD.
Specific Objectives:
To identify the present status of employees turnover in the Super Hostel BD.
To identify the employee turnover causes in the Super Hostel BD.
For the primary sources-
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Physical Harm in Dreams Lucid dreaming is fundamentally safe. In a lucid dream, everything is a creation of your mind. Therefore, nothing in the dream can physically harm you. Despite the vividness and realness of the dream experience, it remains entirely within your mental landscape, posing no physical danger.
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Lucid dreaming is safe and beneficial if done with caution. It has many benefits, such as overcoming fear and improving mental health, and minimal risks. There are many resources and tutorials available for those interested in trying it.
Astronism, Cosmism and Cosmodeism: the space religions espousing the doctrine...
This lecture created by Brandon Taylorian (aka Cometan) specially for the CESNUR Conference held Bordeaux in June 2024 provides a brief introduction to the legacy of religious and philosophical thought that Astronism emerges from, namely the discourse on transcension started assuredly by the Cosmists in Russia in the mid-to-late nineteenth century and then carried on and developed by Mordecai Nessyahu in Cosmodeism in the twentieth century. Cometan also then provides some detail on his story in founding Astronism in the early twenty-first century from 2013 along with details on the central Astronist doctrine of transcension. Finally, the lecture concludes with some contributions made by space religions and space philosophy and their influences on various cultural facets in art, literature and film.
Tracking "The Blessing" - Christianity · Spiritual Growth · Success
Unleash your spiritual growth journey as a truth-seeker!
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Tracking "The Blessing" - Christianity · Spiritual Growth · Success
Do you ever feel like your Bible highlighting isn't quite enough to ignite lasting spiritual growth? Have you struggled to retain key takeaways from your Bible study sessions?
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In this video, you'll gain insights on:
How highlighting key verses and themes can enhance memory and retention of Scripture (we see a few key ones, here!)
Studies have shown that highlighting can significantly improve information recall. Highlighting key points visually reinforces them in your mind, leading to better long-term memory.
How to personalize your Bible study through strategic highlighting. Don't just highlight everything!
This video will teach you how to strategically highlight based on what resonates with you, focusing on central themes, recurring ideas, or connections between different passages.
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How connecting highlighted passages can reveal deeper biblical truths. By highlighting these connections, you can see the bigger picture and uncover the underlying messages within Scripture.
By the end of this video, you'll be equipped to unlock the hidden potential within your highlighted Bible and embark on a transformative spiritual growth journey! Don't forget to like and subscribe for more inspiring content on deepening your faith.
Note: For Christians seeking to enrich their Bible study and deepen their faith, as well as any other spiritual seeker of truth and growth.
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sanskrit yoga mantras chanting for yoga class
Introduction
Mantra Yoga is an exact science. "Mananat trayate iti mantrah- by the Manana (constant thinking or recollection) of which one is protected or is released from the round of births and deaths, is Mantra." That is called Mantra by the meditation (Manana) on which the Jiva or the individual soul attains freedom from sin, enjoyment in heaven and final liberation, and by the aid of which it attains in full the fourfold fruit (Chaturvarga), i.e., Dharma, Artha, Kama and Moksha. A Mantra is so called because it is achieved by the mental process.
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Mudaraba ( Islamic Banking's one most important term)
- 2. Title of the Presentation MUDARABA
- 3. Group Members: Name: ID: Lia Borsha Gomes……….... 2671………. Tamrin Tamanna Helen……2689………. Shamima Akter Shemu……2699……….
- 4. Presentation Outline Serial No Particulars 1. What is Mudarabah? 2. Role of Sahib-al-maal 3. Duties & Power of Mudarib 4. Violation of Contract 5. Guarantee 6. Mudarabah Expenses 7. Termination of Mudarabah Contract
- 5. What is Mudarabah? This is a business contract under which the entrepreneur obtains finance from a financier on the condition that he will conduct the business alone without taking any help from the financier . And the profit will share as agreed in the contract, loss will bear by financer only. Financer is known as Sahib- al- Maal Entrepreneur is known as Mudarib
- 7. Role of Sahib al-Maal: In Mudarabah , Sahib al-Maal Provides the capital and Mudarib undertakes the management. Therefore, the Sahib al-Maal should handover the agreed capital to Mudarib and leave everything to Mudarib with no interference from his side but he has the authority to
- 8. Oversee the Mudarib’s activities and Work with Mudarib, if the Mudarib request
- 9. Duties and Power of Mudarib 1. Trustee to look after the investment responsively, except in case of natural calamities. 2. Partner for sharing any profit. 3. Liable to provide for the loss suffered by the Mudaraba due to his breach of trust. 4. It is not permissible for the Mudarib to make loan/gift/charitable donation out of the Mudaraba funds. 5. Agent to purchase/sell/do everything for the benefit of the business.
- 10. Violation of contract If the Mudarib violates the terms of the contract , he is guilty of misconduct and his status as a holder of the funds on trust changes into that a guarantor there for the nature of the possession of the funds changes from a Mudarabah to a debt due from the Mudarib.
- 11. Guarantee It is not permitted to obtain adequate security, guarantee and mortgage from the Mudarib Or, From any third party on behalf of the Mudarib except in cases of misconduct, negligence or breach of contrct on the part of the Mudarib.
- 12. Mudarabah Expenses All expenses which are incidental to theMudarabad business like wages of employees/ workers or commission in buying / selling etc, have to paid by the Mudaraba Murarib expenses like meals ,clothing, conveyance and medical are not borne by Mudarabah.
- 13. Termination of Mudarabah Contract With mutual consent of both the parties. On the date of maturity , if the two parties had earlier agreed to set a time of limit for it. When the funds of Mudarabah contract have suffered losses. The death of Mudarib of the institution that acts as Mudarib
- 14. Q & A Part