u/Worth-Feed1842

Hey everyone,

I need some honest opinions about an investment structure I’m currently involved in.

I invested €10,000 with my uncle in a business deal.

Here’s how it works:

• My uncle has a client contract generating a stable €500/month payment
• The client has been consistent for about a year (monthly payments are quite stable but not guaranteed forever)
• I invested €10,000 into this setup
• I receive 30% of the monthly income, which is around €150/month
• There is no fixed guaranteed profit
• If the client stops paying or the contract ends, the income stops
• I also risk losing my capital if things go wrong

So basically:

• The income depends entirely on one client
• Returns are proportional (30%), not fixed yet since it's a stable client for them, most likely I will receive €150/month since the client pay a stable monthly payment
• The situation is currently stable, but structurally risky

My question is:
From an Islamic perspective, is this considered halal investment / partnership (mudaraba), or does it fall into something problematic (like riba or an invalid structure)?

Would appreciate any serious input.

Thanks.