Exploitation is involved when high fees are levied for «nothing more substantial than counterfeiting of traditional banking/financial products». Haram activities will not be avoided if banks (according to the usual practice) simply take the word customers/financiers/borrowers that they will not use funds for non-Islamic activities.  Mudaraba`s structure is very similar to that of venture capital, where venture capital finances the contractor who provides management and labour, so that profit and risk are shared.  Such participatory arrangements between capital, on the one hand, and labor and management, on the other, reflect the view of islamic banking supporters that, in Islam, the user of capital would not bear all the risk/cost of failure. And that this would lead to a balanced distribution of income and prevent financiers from dominating the economy.    Islamic non-bank financing has expanded to a wide range of services, but as of 2013, the banking sector still dominates and accounts for about four-fifths of total Islamic finance assets.   The sukuk market is also a rapidly growing segment, with assets that account for about 15% of the sector. Other services include leasing, stock markets, investment funds, insurance (Takaful) and microfinance.   Some of the main Islamic banking products offered to customers are: one popular mode of financing for major purchases – especially housing – is Musharaka al-Mutanaqisa (literally «diminishing partnership»).
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