Investors and profit

An investor makes a contribution, the contribution is put to work, and a share of the month’s profit is accrued to them. The rules are set once: each contribution has its own percentage, the curator’s share follows the income base, and reinvestment is added back into the contribution.

The profit and loss statement is closed by the month. A closed month is never changed by anything: neither a backdated payment nor an edited expense will get into it — otherwise the share paid out to an investor would stop matching the report it was calculated from. The close can be undone, but that is a separate, deliberate action.

A loss-making month is not hidden: the loss is split by the same shares as the profit. A cash surplus is shared with the investors just like a shortage. Zakat is counted by the lunar year — the Hijri year, not the calendar one.

The yield forecast looks ahead: how much markup the deals already made will bring in over the next six months or year, and how that will be split between the investors and the company — to each according to their share. The forecast makes no new deals up: it is a promise of what has already been sold, not a sales plan.

Investors are a separate module: this is other people’s money at work, and it answers the question «how much did the one who put up the capital earn». Your own profit stays in the base plan in full — the profit and loss report, closing a month, outside income and the yield forecast: your own bottom line is not an add-on to the accounting.