What is the ruling on participating in a company that grants monthly profits at a specific rate (20%) with a guarantee of capital, except in cases of loss or bankruptcy?

The described scenario combines partnership (Sharika) and commenda (Mudaraba), and it is permissible, provided that the company does not guarantee the capital; because the partner's hand is a hand of trust (yad amanah), and that the partner's share in the profit is not a fixed amount or a percentage of the capital, but rather a common percentage of the profit. It is also a condition in a joint Mudaraba that the capitals be distinguished to avoid compensating the loss of one partner from the profits of the others.