This financing method features two alternatives:

• The bank provides all the costs of a project it deems profitable and effective. In the financed project, the capital belongs to the bank while the borrowing client puts his labor and experience in the project. This system is often used to finance project-based commercial enterprises. Derived profit will be shared at previously agreed rates between the bank and the client.
• The parties participate in the project by both their labors and capitals. The bank provides a part of the capital necessary for the project while the client supplies the remaining part based on his own financial means and features of the project. At end of the project, the client gets a share from the profit in return for his works and expertise.