RIBA/ ر ب و RA-BA-WAW = increase, expansion, escalation, benefit, - more numerous, more increased etc., IE to benefit from something
BIYU / ب ي ع = BA-YA-AYN = Making a covenant, an engagement, a contract, Sealing the deal, also striking together hand of two contracting parties in token of the ratification of sale ETC
SADAQAAT / "SAD-DAL-OAF = "‘to make something true’, ‘to prove something as truth by action’.To make a promise to come true by action is the responsibility of the "citizen" who made the promise. This promise can come true financially as well as through abilities
INFAAQ= the word العفو is from root letters ع ف و which means safety, welfare, happiness prosperity. A commonly used word is عافیت. This is the spending by the state when any kind of unexpected hardship or catastrophe occurs. This will not only be an open spending (to restore prosperity and ease) but it will be with the agreements of the nation
ZAKAAT= this is the help by every individual in a society for the collective development and prosperity of the society, which is organized according the necessities of the time and it is mandatory
HOW IS THE WORD RIBA USED IN THE QURAN?
EVERY BENEFICIAL THING IS CALLED RIBA https://www.facebook.com/groups/Heersaleti/doc/544295418929643/
However, any increase or growth in illicit manner is not only forbidden, but also deserve punishment, is called AL RIBA
AL RIBA IS A SPECIAL KIND OF RIBA, IT IS NOT THE ONE WHICH IS BENEFICAIL FOR HUMANITY BUT IT IS THE ONE DECLARED ILLIGAL AND EVEN DESERVES PUNISHMENT.
If we read 2:275.2:280 we can see Alriba
278, O ye who believe! Fear Allah, and give up what remains of your demand for ALRIBA, if ye are indeed believers.279. If ye do it not, take notice of WAR from Allah and His Messenger.
DEAL NOT UNJUSTLY, AND YE SHALL NOT BE DEALT WITH UNJUSTLY.
From this the essence of Alriba is clear
Do you think a person taking interest is initiating a war with Allah and his messenger himself? Would the army forces be mobilized to bomb his house or him if he is taking interest?
No war machinery is initiated by people who take interest or won’t share their wealth.
Consider... When is a nation driven to war?
Announcing a war is not a small thing, and this is what the verse is clearly saying
A STATE OF WAR OCCUR WHEN SURVIVAL IS AT RISK AND ITS FOUNDATIONS ARE SHAKEN
In this situation the momineens (and the government institutions) are addressed, so it is NOT an external threat or danger
NO WHAT KIND OF DANGER IS POSED FROM THE MOMINEENS /INSTITUTIONS TO THE NATION?
A nation can be endangered within by treachery or revolt, but we can’t see mentioning of such things in these verses either
Now we are left with the framework …
If we study the collapse of some nations we can see in some situations it occur when people take over the state’s economy /resources
Have a look at the Muslim countries today, what is the condition of the nation’s economy when the resources are taken over and hijacked by the strong culprits?
TO TAKE CONTROL OVER THE SOCIETIES/NATIONS RESOURCES
Whether its hijacking land, gold mines, oil, stealing from the state economy while working in the government, or not contributing with zakat or sadaqaat, it is shaking and disturbing the fundamentals of a nation, eventually leading to disaster
Al-Riba, illegally increasing own economy on the behalf of others, means
THE DISASTER OF THE STATES ECONOMY
However if a person exploit another person to the extent that his economy is completely ruined, it is also called Al-Riba
Verse 2:279 will give us the essence of AL-RIBA
فَإِنْ لَمْ تَفْعَلُوا فَأْذَنُوا بِحَرْبٍ مِنَ اللَّهِ وَرَسُولِهِ وَإِنْ تُبْتُمْ فَلَكُمْ رُءُوسُ أَمْوَالِكُمْ لا تَظْلِمُونَ وَلا تُظْلَمُونَ
If ye do it not, Take notice of war from Allah and His Messenger. But if ye turn back, ye shall have your capital sums: Deal not unjustly, and ye shall not be dealt with unjustly. TRAD TRANS
NEITHER YOUR UNJUST TO ANYONE NOR ANYONE IS UNJUST TO YOU
SO ANY DEALING WHERE VICIOUSNESS IS EXERCISED ON ONE PARTY, ON THE STATE OR ANOTHER PERSON, IT IS CALLED ALRIBA
(Keep in mind that Lriba must be seen in line with the complete system of economy and the words mentioned in the beginning, Zakaat, Afwu, Sadaqaat)
TRANSLATION OF THE FIRST LINES 2:275
Those who are responsible for economic exploitation stand on their position like those who are well trained to become insane by the rebellious and disobedient. That is because they say "economy through agreements" (BAYTU) is similar to ALRIBA (economic exploitation) But Allah has permitted "economy through agreements/ legal dealings" and has forbidden Economic exploitation ALRIBA