3 points 22. All parties under Musharakah can share in management but they are required to do so. should have PhD certificates should have 5 years experience are not required to do so O None of the above 23. Mudarabah and 5 points Musharakah are seldom applied and adopted by people or Islamic banks because they are considered * Safe assets O risky assets financial assets forbidden O None of the above 24. Muadarabah and 3 points Murabahah contracts in Islamic Finance are considered: Futures contracts O Option contracts PLS contracts O Forbidden contracts O None of the above 25. PLS contracts can be an 2 points * alternative to O Bank business loans O Dealing with interest O Fixed-interest loans O All of the above O None of the above