Mudarabah is a partnership in which the investor / depositor (the Rabb-ul-Maal) provides the capital, while the financial institution (the Mudarib) manages the investment. Profits are shared according to a pre-agreed ratio. Any losses are borne by the investor/ depositor, unless caused by negligence, breach of Shari'ah principles, or violation of the terms of the agreement by the Mudarib.