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What you seem to suggesting, at least in part, is financing new enterprises in a way similar to venture capitalists. I have the brains (or idea) and they have the money. We each get a share of the stock.
The Muslim banking system requires that banks share the risk so that the money provided is not a "loan". I don't know if they really share the risk or this is just a subterfuge to get around Islamic prohibitions on charging interest.
I hope you'll continue to provide prescriptions in future comments as well as criticisms of current practices. Policies not Politics ---- Daily Landscape
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