An Islamic bank provides the capital to a Mudaraba managed by a small business entrepreneur (the Islamic Bank is the Rab al-Mal). The Mudaribs business involves buying cars from dealers on a spot basis (financed from the mudaraba capital) and then selling the cars to buyers on a 36-month deferred payment basis at cost-plus a mark-up (Murabaha sale). The Mudarib shares in 20% of the profits generated by the mudaraba. Buyers of these cars start repayments at the end of their first month. Each month the Mudarib will deposit the monthly repayments for the cars with the bank. Design a flow chart to demonstrate the role played by each party in this transaction, defining all the terms and agreements used.