An increase, in a loan transaction or in exchange of a ribawī asset, accrued to the owner (lender or seller) without giving an equivalent counter value or compensation in return to the other party. It is prohibited according to Sharīah.
In lending, it is the extra payment imposed by the lender or promised by the borrower over and above the loan (known as ribā qardh).
In trade it is mostly the difference in weight in the exchange of gold of different measures of purity, e.g. 10 grams of 750 gold with the 8 grams of 835 gold (known as ribā fadhl); or the difference in time between payment and delivery in foreign currency exchange, e.g. payment or RM10,000 on 1st January 2008 and delivery of USD3,800 on 2nd January 2008 (known as ribā nasīah).