Reba what is Reba we translated as interest but in Islamic finance Reba is a little bit more broad than interest a little bit more technical than interest and it is true that what we call interest is the primary manifestation of River and Reba is something that was common and predominant in many societies including in Islam pre-islamic Arabia it was well known and it was common if I gave you a thousand dinars a thousand dollars whatever I would demand a thousand one hundred you know after two months and if you were late a thousand two hundred if you were later than that a thousand three hundred this is the standard form of RIBA now technically speaking there are other types of RIBA in Islam but this is the most common one that we're still aware of and it is still commonly practiced to this day when Islam came our prophet sallallahu aleyhi was seldom explicitly forbade RIBA and the Quran equated Libba with declaring war against God and His Messenger that will be happy min allahi wa rasuluh there is no other sin in Islam there is no other sin in Islam that has been equated with declaring war it's as if you're waging war against your own creator there is no sin that has that strict language attached to it and there are many evils in Islam that you're not supposed to do you're not supposed to murder you're not supposed to steal you're not suppose there are many sins and each one has some punishment there's no question about it but this specific punishment of declaring war against God and His Messenger no other sin has been given that description and Allah subhana WA Ta'ala mentions in the Quran that of the wisdoms of the wisdoms of prohibiting RIBA is like a lie hakuna do that and banal agnya in income so that wealth doesn't become a play thing that remains amongst the rich amongst you so wealth shouldn't just remain amongst the rich you see from an Islamic perspective RIBA or interest is the essence of economic injustice why a rich person will lend money to a poor person with guaranteed return and the poor person might fail in the business the poor person might not be able to do what he's doing and the rich person is profiting off of the fact that he's rich that's it he's literally profiting simply because he has money in his bank account and the poor person needs that money and he goes here's the money and I demand much more money back and that is why it is the essence of little or injustice the height of injustice from an Islamic perspective if you want money from a rich person you need to make him an investor you need to make him convinced that you are worthy of an investment and he shares the profit and the loss you see in Islam guaranteed profit is a big problem because guaranteed profit nobody knows the future other than allah subhana wa ta'ala when you guarantee a profit then essentially you are making sure that the rich person becomes richer and the poor person is taking a major risk because he or she is poor and that's why Allah says wealth should not be a play item amongst the rich amongst you well should be trickled down well should be taken down to the poor well should go down so that everybody benefits from it and the injustice of river of interest essentially ensures that the rich become richer and the poor generally speaking become poor and poor and that is why our prophet sallallaahu Selim forbade interest and he called it of the major sins and in one hadith he said avoid the seven deadly sins the seven sins that are destructive and of those seven deadly sins in that list is murder in that list is worshipping a false god an idol and in that list is RIBA can you believe murder and RIBA are in the same list that is enough of a a a a a warning for us that in the same list that is mentioned murder the Prophet SAW sir mentions RIBA so every Muslim should be very very careful about earning money through RIBA and no Muslim should ever give his or her money to somebody and demand more back as a contract of RIBA if you feel that somebody needs money the Sharia has many ways to do that either you give them as a loan and you take the money back or you give them as a charity or if it's a business invest and write a contract and write the profit and loss I'm gonna get this much profit and I'm also gonna share that much loss if the loss takes place that's why entrepreneurs and business people need to sell their business plans make sure it's rock-solid and investors can then see for themselves and they have to then become partners that is the Islamic model as for the model that is common in the West where the rich guaranteed their profits simply offer their riches we say this is economic injustice and Allah and His Messenger have for been aided in the strictest of terms and it is of the major sins of our religion may Allah subhana WA Ta'ala save us from ever committing any such thing