Study the statements (A & B) given below properly and give your opinions whether these statements are valid or void and also give reasoning of validity and void?

(A) Mr. Ahmed entered into a Mudaraba with Asif to do the business of rice export. Asif contributed 40 tons of Basmati rice as the capital of Mudaraba without disclosing the cost/market value, while Ahmed contributed management skill. Profit sharing ratio was decided as 50:50.

(B) Mr. Kazi entered into a Mudaraba agreement with Margalla Islamic bank to do the business of rice export. Bank provided the capital of 25 million and profit sharing ratio agreed as 50:50. Keeping in view the nature of banking business [where depositors get replaced], it was agreed that bank will receive an interim profit equal to 1% of investment on a monthly basis to be settled after preparation of annual accounts of Mudaraba.

C) There can be a situation under Islamic insurance framework when a claim arises, but insurance fund is not able to meet fully. Discuss the options that are available to an Islamic insurance company to manage the shortage?