Islamic finance about profit and loss sharing (PLS) model and sale-based/lease-based models

4 Pages double spapced, No format peferences. Due Monday Midnight

Use at least a total of 5 academic references (journal articles or books, Attachment is the book require for this class) 

The paper will be graded based on 5 criteria: content, language/clarity, references, organization and completeness. 

Here is the question for the paper: 

As an industry, Islamic finance and more specifically Islamic banking, has been criticized for neglecting the profit and loss sharing (PLS) model originally intended as its main mode of operation by the theorists of Islamic economics and focusing more on sale-based and lease-based models. Do you think that such a criticism is justified?