an extra amount" — i.e. interest. M. Hameedullah and M. Ayub also argues that interest is unjust because the borrower of collateralized loans bears risk but (they believe) the lender does not, since the lenders can keep collateral if the borrower defaults, which (they believe) violates the Islamic principle that reward should require taking/being liable for risks. Abul A'la Maududi also believed return on an investment other than profit sharing is unjust. He preached that the interest-charging lender will increase interest rates "in direct proportion" to the borrower's "misery and the extent of his need, ... if the child of a starving man is dying of illness, the money-lender will not deem an interest rate of 400 or 500% as unduly harsh.” Defending the justice of a "fixed" return, M.O. Farooq asks if lenders aren't "renting out" the purchasing power of their capital for the length of the loan and due interest as a form of rent much as any landlord, rental agency, or other temporary provider of something valuable/useful. M.A. Khan asks why fixed rent and fixed wages are not equally unjust despite not being forbidden by orthodox scholars. (While some Islamist thinkers have promoted the idea that 'labor owned firms would express the spirit of Islam better' than conventional ones, there is no movement to restrict businesses to profit-sharing payment for employees or even much debate on the issue.) Farooq notes that in the modern world banks compete with other lenders and subject to government regulation. Predatory lending does exist — from payday lenders, and those lending at high and variable rates. These "may be covered by riba and thus Islamically prohibited," but this is hardly the same as declaring all interest riba. Another argument against the idea that charging interest on loans exploits entrepreneurs, is that availability of capital for a modern business endeavour is one factor among many that lead to success or failure. The entrepreneur/business management involves in multiple elements — product design, production, marketing, sales, distribution, employee management and motivation, etc. Having provided its share in the process, why should financiers suffer part of the losses (if there are any) that are beyond their control; or be rewarded with profits (if there are any) that they had so little to do with? In answer to the idea that collecting interest on a business loan when the business has gone insolvent is unjust, M.A. Khan