Profits are shared between the parties according to a pre-agreed ratio, usually either 50%–50%, or 60% for the "mudarib" and 40% for "rabb-ul-mal". If there is a loss, the "rabb-ul-mal" loses the invested capital, and the "mudarib" loses the invested time and effort. The sharing of risk reflects the view of Islamic banking proponents that under Islam, the user of capital — labor and management — should not bear all the risk of failure. Sharing of risk, according to proponents, results in a balanced distribution of income, and prevents financiers from dominating the economy.