8_Mudharabah in Islamic Banking

What is Mudharabah primarily defined as?

• A type of loan

• A partnership agreement

• A savings account

• A form of insurance

Who is referred to as 'shahibul maal' in a Mudharabah agreement?

• The entrepreneur

• The investor

• The borrower

• The bank

In a Mudharabah agreement, who bears the loss if the business incurs a loss?

• Both parties equally

• Mudharib

• Shahibul maal

• Neither party

What is the main characteristic of Mudharabah Muthlaqah?

• Fixed investment duration

• Limited investment options

• Full authority to the mudharib

• No profit sharing

What does Mudharabah Muqayyadah involve?

• Unlimited investment freedom

• No restrictions on the type of business

• Specific investment restrictions

• Guaranteed returns

What is the role of a bank in a Mudharabah agreement?

• To provide loans

• To manage the funds directly

• To act as a guarantor

• To facilitate the investment

What happens if the mudharib makes a mistake in managing the investment?

• The investor bears the loss

• The mudharib must compensate the investor

• The agreement is void

• The bank absorbs the loss

What is the penalty for early withdrawal of a Mudharabah deposit?

• No penalty

• A fee based on the amount withdrawn

• A fixed percentage of the deposit

• A penalty that goes to charity

How is profit sharing determined in a Mudharabah agreement?

• Based on a predetermined ratio

• By the government regulations

• By the bank's discretion

• Equal division between parties

What is a key feature of Tabungan Mudharabah?

• Variable profit sharing based on bank performance

• Guaranteed returns

• Fixed interest rate

• No profit sharing