Profit on sale of each cow would be shared by the bank at an agreed ratio on six monthly basis, on the capital amount I use in business during the preceding six months, from each point in time. Mudaraba financing, however has some limitations in the scenario of microfinancing in the sense that clientele of these banks is least expected to maintain proper books of accounts. As such it is difficult to ascertain exact business transacted and funds generated so as to determine profit to be shared by the bank. It is therefore advisable that this mode of financing be applied to ongoing concerns only, which are in need of expanding their business. The deliberate attempt by the clients to hoodwink Bank can easily be traced out as microfinance banks are the banks of communities. They have presence even in far flung areas and are preferably run by staff taken from the community they serve. Hence they have extensive exposure to relevant markets as such there is little chance of encountering loss.