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Mudharabah
Mudharabah is a contract between two parties which is rab al mal are provide the capital and mudharib provide the labour.
- profit are share between the mudharib and investor based on the profit sharing ratio.
- Rab Al mal bears all losses of investor assets.
- entrepreneur is not allowed to take any form of remuneration other than profit share.
example : Ali entered into a mudharabah agreement with bank muamalat who agreed to provide rm300,000 financing. profit sharing between ali and the bank in the ratio of 4:6 respectively profit and losses for the 2 years of the agreement is year 1 loss rm100,000, year 2 profit rm50,000.

Murabahah
Murabahah is a sale of goods at cost plus mark up where the purchaser should be informed of his cost of purchase and the profit amount.
_ obliged to disclose mark up
sale plus mark up repayment can be deferred or lump sum
-two contracts executed at two different times.
example : the seller discloses the cost to the buyer and adds a certain profit to it to arrive at the final selling price.

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-Mudharabah  is a partnership for profit which is structured so that one partner (rabb al mal) provides capital (fund owner) and the other (al mudharib) provides labor and expertise
-involves 3 partner namely the purchase oder,the purchase and the seller

Murabahah is a method of islamic financing,where intermediary buy a property with free and clear title to it.

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-"Mudarabah" is a special kind of partnership where one partner gives money to another for investing it in a commercial enterprise. The investment comes from the first partner who is called "rabb-ul-mal", while the management and work is an exclusive responsibility of the other, who is called "mudarib".
-Musharakah is a joint enterprise or partnership structure with profit/loss sharing implications that is used in Islamic finance instead of interest-bearing loans. Musharakah allows each party involved in a business to share in the profits and risks. Instead of charging interest as a creditor, the financier will achieve a return in the form of a portion of the actual profits earned, according to a predetermined ratio. However, unlike a traditional creditor, the financier will also share in any losses

example of mudharabah
-The Mudarib shares profit of the Mudarabah as per agreed rate with the investor but his expenses like meals, clothing, conveyance and medical are not borne by Mudarabah. However, if he is traveling on business and is overstaying the night, then the above expenses shall be covered from capital. If Mudarib goes for a journey which constitutes Safar-e-Sharai (more than 48 miles) but does not overstay the night, his expenses will not be borne by Mudarabah.

example of musharakah
-The capital in a Musharakah agreement should be:

quantified (Ma’loom),

qsecified (Muta’aiyan),

not necessarily merged,

not necessarily in liquid form

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NUR SHAFIQAH BINTI ZAIDI (01DIB14F2039) NUR HAZIRAH BINTI HARUN (01DIB14F2051)

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NUR SHAFIQAH BINTI ZAIDI (01DIB14F2039) NUR HAZIRAH BINTI HARUN (01DIB14F2051)

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MUDHARABAH
an agreement between a financier and an entrepreneur — the principals.
Taking account of the modern social structure and context, the pioneers of Islamic banking brought in an intermediary between the principals and created a two-tier mudaraba.
MURABAHAH
method of Islamic financing, where an intermediary buys a property with free and clear title to it
he intermediary and prospective buyer then agree upon a sale price (including an agreed upon profit for the intermediary) that can be made through a series of installments, or as a lump sum payment.

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NORSUHADA ADILA BINTI ZAINAL 01DIB14F2036 & NUR FATIN IZZATI BINTI NORAIDI 01DIB14F2045

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NORSUHADA ADILA BINTI ZAINAL 01DIB14F2036 & NUR FATIN IZZATI BINTI NORAIDI 01DIB14F2045

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MURABAHAH
1) Murabahah cannot be used as a mode of financing except where the client needs funds to actually purchase some commodities. For example, if he wants funds to purchase cotton as a raw material for his ginning factory, the Bank can sell him the cotton on the basis of murabahah
2)The financier must have owned the commodity before he sells it to his client
3)The commodity must come into the possession of the financier, whether physical or constructive, in the sense that the commodity must be in his risk, though for a short period
MUDHARABAH
1)The rabb-ul-maal may specify a business in which to invest, in which case the mudarib is restricted only to such business as pointed out by rabb-ul-maal. This is called restricted mudarabah or al-mudarabah al-muqayyadah.
2)If rabb-ul-maal has not specified a business in which to invest, it is considered an unrestricted mudarabah or al-mudarabah al-mutalaqah.

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Feishal Kamil Bin Abdul Manan 01DIB14F2046 Ainin Sofia Binti Zulkefli 01DIB14F2034

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Feishal Kamil Bin Abdul Manan 01DIB14F2046 Ainin Sofia Binti Zulkefli 01DIB14F2034

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➡Mudharabah
🔴 Mudharabah capital provided by the islamic bank in kind (trading asset or non monetary asset for use in the venture)
🔴 Capital is financed by one party which is the capital provider or the owner of the business
🔴 The entreprenuer will be the only one that will conduct the actual business. The capital provider is not allowed to joint the words with the entreprenuer.

➡Murabahah
🔴 is sale of goods at cost plus markup where the purchaser should be informed of his cost of purchase and the profit amount.
🔴 involves three parties, namely the purchase order, the purchaser and the seller.
🔴 the orderer promises the purchaser to purchase the asset from him and give the orderer a profit there on.

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NURUL HIDAYAH BINTI MOHD RAZALI (01DIB14F2013) NUR HANANI BINTI MOHAMAD SAJIM (01DIB14F2056)

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NURUL HIDAYAH BINTI MOHD RAZALI (01DIB14F2013) NUR HANANI BINTI MOHAMAD SAJIM (01DIB14F2056)

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DIFFERENTIATE BETWEEN MUDHARABAH AND MURABAHAH
MURABAHAH
1)good is delivered at spot, payment of price is deferred
2)price can be paid on the spot or differed, lump sum or installment
3)murabahah can be executed in particular commodity
for example :

MUDHARABAH
1)mudharabah is an equity based on product
2)involves a mudharib and rabbul mal
3)the investor may or may not restrict the ventures into which money can be invested
for example :  The Mudarib shares profit of the Mudarabah as per agreed rate with the investor but his expenses like meals, clothing, conveyance and medical are not borne by Mudarabah. However, if he is traveling on business and is overstaying the night, then the above expenses shall be covered from capital. If Mudarib goes for a journey which constitutes Safar-e-Sharai (more than 48 miles) but does not overstay the night, his expenses will not be borne by Mudarabah.

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difference between mudharabah and musyarakah

mudharabah
1)profit from the business must share with capital provider and entrepreneur.
2)all the loss are taking by the capital provider
3)Capital provider can't take action into business,only the entrepreneur.
musyarakah
1)all the profit based on the contact that they had agreed.
2)All the loss must pay by both of them.
3)Both of them are doing the business together.Two of them must take action

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DIFFERENTION BETWEEN MUDHARABAH AND MURABAHAH

MUDHARABAH
➡agreement betweeb a financier and an entrepreneur
➡brought in an intermediary between the principles and created a two- tier mudharabah
➡was introduced into conventional commercial banking in the form of profit-and-loss-sharing.

MURABAHAH
➡is a method of islamic financing, where an intermediary buys a property with free and clear title to it.
➡the intermediary an prospective buyer then agree upon a sale price that can be made through a series of installments payment
➡is not an interest-bearing loan, which is consider riba(excess)
➡murabahah is an acceptable form of credit sale under shariah

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Nurul ain Nabila bt mohd Syukri (01DIB14F2015)
Differentiate between Mudharabah and murabahah

Murabahah
1) is similar to a rent-to-own arrangement in the non muslim world, with the intermediary (i.e. the lending bank) retaining ownership of the item being sold untill the loan is paid in full.
2)the basic murabahah transaction is a cost-plus--profit purchase where the item the bank purchases is something the customer want but does not have cash at the time to buy directly

Mudharabah
1) is an arrangement or agreement between the bank, or a capital provider, and an entrepreneur ,  whereby the entrepreneur can mobilize the fund of the former for its business activity
2)profit made are share between the bank and the entrepreneur according to predetermined ratio.incase of loss ,  the bank loses the capital , while the entrepreneur loses his provision of labour.