Is the known monthly percentage paid by the merchant, while bearing the loss, considered permissible if he supplements the insufficient profit from his private funds for fear of withdrawing the money?

There are three scenarios for setting a minimum profit that the mudarib (working partner) must pay to the rabb al-mal (capital provider):

1. Stipulating a minimum profit in advance: The fuqaha (jurists) unanimously agree on the prohibition of this condition and the invalidity of the contract, whether it is explicitly stipulated, customarily accepted, or declared by the mudarib beforehand.

2. The mudarib voluntarily guaranteeing a minimum profit after the contract and before a loss occurs: This scenario is a matter of dispute, and the more likely opinion is prohibition, as he would be accused of seeking to entice the capital provider to keep the capital with him.

3. The mudarib voluntarily bearing a portion of the loss after it has occurred and the work has concluded: This is permissible, as long as the guarantee is not stipulated explicitly or by custom, because it is considered a pure donation from the worker.