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-The practice of lending money and charging the borrower interest, especially at an exorbitant
or illegally high rate.
-An excessive or illegally high rate of interest charged on borrowed money.
-For example, A borrowed RM 100K from B, when A wanted to pay back his debt, B wanted
full payment with 10% interest.
-Example of Quranic verses related to usury,


( 39 : )

And what you give in usury such as when something is given as a gift or a present for the purpose
of demanding more in return; it [the practice of usury] (rib) is referred to by the same noun denoting
that [illicit] extra (ziyda) requested in the [financial] transaction that it may increase the wealth of
the people, giving it, does not increase with God there is no reward in it for those who give it. But
what you give as alms (zakt), as voluntary alms (sadaqa), seeking, thereby, Gods Countenance,
such [of you who do so] they are the receivers of manifold increase, in their reward for what they
sought (there is here a shift of address away from the second person).
{ }
(130 : )

O you who believe, do not exact usury, twofold and severalfold (read mudafatan or mudafatan) by
increasing the amount [to be repaid] when the [loan] period comes to an end and delaying the request

[of the loan]. And fear God, by abandoning such [usury], so that you may prosper, [that] you may
} {}
(278-279 : )

O you who believe, fear God, and give up, abandon, the usury that is outstanding, if you are believers,
true to your faith, since it is expected of the believer that he adhere to Gods command: this was
revealed when some of the Companions, after the prohibition, wanted to reclaim some of the usury
from before.
But if you do not, do what you have been commanded, then be warned, have knowledge, of war from
God, and His Messenger, against you: herein is a grave threat for them. When it was revealed, they
said, What power can we have in a war against Him! Yet if you repent, and forgo it, you shall have
your principal sums, the original amounts, not being unjust, by charging interest, and no injustice
being done to you, by way of any diminution


-The act of deceiving the buyers or the customers by changing or manipulating the quality
and quantity of the goods.
-For example, A told B that he wanted to sell a box containing 50 chocolates that is still new
to B, and B agreed to buy it, but the truth is that the box actually contained 32 chocolates and
is already expired.
-Example of Quranic verses related to cheating in quality and quantity,

( 1-3 : { )
} {}

Woe (waylun: a term entailing chastisement; or [it is the name of] a valley in Hell) to the defrauders:
those who, when they take measure from people, demand [it] in full, the measure; but [who] when
they measure for them or weigh for them, they cause [them] loss, they diminish [for them] the measure
or the weight
( 9 : { )

And observe the weights with justice, fairly, and do not skimp the balance, [do not] decrease [the
value of] what is being weighed
( 85 : { )

O my people, give full measure and weight, fulfil [the due of] both of these, in justice, and do not
defraud people in respect of their goods, do not diminish anything of their due, and do not be
degenerate in the land, working corruption, by killing or otherwise ([l tatha] derives from athiya,
meaning afsada, he corrupted; mufsidn, working corruption, is a circumstantial qualifier reiterating
the import of the term operating it, tatha, [do not] be degenerate).

-The act of giving the debtor the chance to take his time collecting enough payment to pay
back to creditor.
-For example, A owes B RM 10K, A have difficulties in collecting the money to payback his
debt, so B give him postponement of the payment until next year.
-Example of Quranic verses related to tolerance to the debtor,



( 280 : )

And if any man, in debt, should be in difficulties, then, let him have, respite, a postponement, till things
are easier (read maysara or maysura, meaning a time of ease); but that you should give
(tassaddaq, where the second t of the softened form, tatasaddaq, has been assimilated with the
sd), the one in difficulty, a voluntary almsgiving, by waiving his debt, is better for you, did you but
know, [if you know] that it is better for you, then do it. In a hadth it is said, Whoever gives respite to
one in difficulty, or waives his debt, God will place him under His shade, on a day when there shall be
no shade except Gods, as reported by Muslim.

-The act of to give or allow the use of temporarily on the condition that the same or its
equivalent will be returned.
-For example, A lend some money amount RM20K to B, and B must pay back the money that
he borrowed.
-Example of Quranic verses related to lending,

...( 2 : { )

Help one another to righteousness, by doing that to which you were enjoined, and piety, by refraining
from what you have been forbidden; do not help one another (tawan: one of the two original t
letters [in tatawan] has been omitted) to sin, acts of disobedience, and enmity, transgression of
Gods bounds. And fear God, fear His punishment by being obedient to Him; surely God is severe in
retribution, against those that oppose Him