sentence: business techniques and forms of business organisation employed during this time included : contract bills of exchange long-distance international trade forms of partnership ( mufawada ) such as limited partnership ( mudaraba ) forms of credit debt profit loss capital ( al-mal ) capital accumulation ( nama al-mal ) , circulating capital capital expenditure revenue cheque , promissory note , trusts ( see waqf ) savings account transactional account pawn loan exchange rate bank money changer ledger deposits assignments lawsuit .