Islamic Banking and Finance: Fundamentals and Contemporary Issues

Deposits - 1

Investment Pool - 1

Investments - 1

Capital plus Profits - 1

Bank’s

Profits

Share

Depositors’

Capital + Profit

Share

Mudarabah 1 Mudarabah 2

Deposits - 2

Investment Pool - 2

Investments - 2

Capital plus Profits - 2

Depositors’

Capital + Profit

Share

Bank’s

Profit

Share

Bank’s

Income

Figure 2: Management of Partnership-based Deposits

Effort Bank Effort