Most thorough article on subject. Page 109-111 in particular breakdown the various types of loans that can be given based on a Musharakah loan system. The variety of different type of loans available vastly increases the incentive for different types of borrowers to take part in Islamic finance.

Chapter 7 "Invigorating The Human Factor" and Chapter 10 "Financial Restructuring" break down the incentive to take part in a Musharakah based loan from both the borrower and loaners perspectives. Chapter 10 explains why a society as a whole has incentive to adopt Musharakah based loan contracts due to the social capital that they generate.

Musharakah: Financier can suffer from loss and benefit from profitability after giving a loan