Riba?

• All increases in wealth or benefits accruing to a person without any labour, risk, or expertise.
• One who wishes to earn profit on his monetary investment must bear the loss or damage accruing to the business where his money capital is to be used.
• Nature of transaction important.
• Trading- Bai- Risk taking, value addition
• Leasing – Ijarah - Risk taking, value addition
• Exchange transaction – Monetary transactions
• Lending – a virtuous act; not a business
• Hand to hand exchange of currencies