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1)INTEREST-BASED COMMERCIAL TRANSACTIONS WERE INVENTED BY MODERN DAY BUSINESS, THUS NOT COVERED BY RIBA REFERRED TO IN THE QURAN
2)BANK INTEREST IS NOTRIBA BECAUSE IT IS NOT EXCESSIVE
3) RIBA SHOULD BE ALLOWED UNDER DHARURAH
4) RIBA IS ONLY RELEVANT TO CONSUMPTIONS LOAN, NOT COMMERCIAL LOANS
5)INTEREST SHOUD BE ALLOWED BECAUSE INFLATION

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1) ELEMENT OF INJUSTICE IN FINANCING PRODUCTIVE ACTIVITIES
2)ELEMENT OF EXPLOITATION IN FINANCING CONSUMPTION
3)INCONSISTENT WITH ISLAM'S PERSPECTIVE ON DEBT
4) NEGATIVE EFFECTS OF A CREDIT SOCIETY
5) NEGATIVE EFFECTS ON PRODUCTION
NEGATIVE EFFECTS ON DISTRIBUTION

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IF DIFFERENT CATEGORIES LIKE GOLD FOR DATES, BOTH RULES OF EQUALITY AND SPOT DELIVERY ARE NOT APPLICABLE

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IF THE ITEMS ARE DIFFERENT GENUS BUT WITHIN THE SAME CATEGORY LIKE EXCHANGE OF GOLD FOR SILVER, MALAYSIAN RINGGIT FOR US DOLLAR OR WHEATS FOR DATES, ONLY THE RULE OF SPOT DELIVERY IS APPLICABLE

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RIBA al BUYU OCCURS FROM EXCHANGE CONTRACT IN WHICH A COMMODITY IS EXCHANGED FOR THE SAME COMMODITY FROM THE ABOVE RIBAWI COMMODITIES IN AN UNEQUAL AMOUNT AND/OR DELAY OF THE DELIVERY OF ONE OF THE COMMODITIES

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BASIC FOR PROHIBITION OF RIBA IN EXCHANGE OF COMMODITIES IS BASED ON HADITH OF THE PROPHET:
"GOLD FOR GOLD,SILVER FOR SILVER,WHEAT FOR WHEAT,BARLEY FOR BARLEY,DATES FOR DATES,SALT FOR SALT - LIKE FOR LIKE,EQUAL FOR EQUAL, ANND HAND TO HAND(SPOT);IF THE COMMODITIES DIFFER ,THEN YOU MAY SELL AS YOU WISH PROVIDED THAT THE EXCHANGE IS HAND TO HAND OR A SPOT TRANSACTION" (MUSLIM)
IF THE EXCHANGE INVOLVES THE SAME GENUS BOTH RULES OF EQUALITY AND SPOT DELIVERY MUST BE APPLIED

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PENALTY IN LATE PAYMENT

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INTEREST DUE TO LOAN

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DELAY IN PAYMENT OF RIBAWI MATERIAL

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EXCHNGE OF RIBAWI(MATERIALSOF DIFFERENT WEIGHT,NUMBERS)

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-MAY OCCUR IN EXCHANGE CONTRACT AND APPLIES TO SALE TRANSACTIONS IN COMMODITIES

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-ARISES FROM DEBT TRANSACTIONS AND PERMIT A TRADE-BASED
COMMON IN CONVENTIONAL BANKING
1) LOAN WITH INTEREST OR OTHER BENEFITS
2)PENALTY IMPOSED ON DELINQUENT DEBT REPAYMENT OR DEFAULT

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LITERAL-EXCESS,INCREASE,EXPANSION,GROWTH
TECHNICAL-EVERY EXCESS IN PRINCIPLE OF LOAN
-A PREDETERMINED EXCESS OR SURPLUS OVER OR ABOVE THE LOAN