Riba ta zama ginshiƙin tsarin Jari-hujja ta hanyoyi da dama. Ana amfani da ita a matsayin kayan aiki don daidaita ci gaban tattalin arziki da yawan kuɗi a cikin kasuwa, ta hanyar zama ‘ƙarfafawa’ ga waɗanda ke da kuɗi fiye da buƙatarsu su adana ko su tara su. A Musulunci kuwa, an haramta duka riba da tara dukiya. Allah (SWT) yana cewa a cikin Alƙur’ani:

Interest rates form the backbone of the Capitalist system in many ways. It is used as a tool to regulate economic growth and monetary supply by acting as an ‘incentive’ for those who have surplus money to save/hoard. In Islam both interest and hoarding are prohibited. Allah (swt) says in the Qur’an:

"Waɗanda suke tara zinariya da azurfa, ba sa ciyarwa a hanyar Allah, to ka yi musu bushara da azaba mai raɗaɗi." [TMQ 9:34] Haka kuma Yana cewa: "Allah ya halatta ciniki, ya haramta riba." [TMQ 2:275] Saboda haka, masu jari dole ne su saka jarinsu ko dai a cikin kasuwancin kansu na kashin kai ko kuma a cikin haɗin gwiwa.

“And those who hoard up gold and silver and do not spend in the way of Allah, announce to them a painful chastisement.” [TMQ 9:34] He also says, “Allah has permitted trade and forbidden interest.” [TMQ 2:275] Owners of capital therefore have to invest it either in the form of private business or partnership.

Mafi muhimmanci daga cikin sharuddan da dole ne dukkan kamfanonin haɗin gwiwa su cika su ne cewa dole ne a sami tayin da karɓa tsakanin ɓangarori biyu ko fiye, kuma da zarar sun zama abokan haɗin gwiwa suna da daidaitaccen iko wajen gudanar da kamfanin. Baya ga waɗannan sharuɗɗa, hanyar raba riba da asara ta dogara ne da nau'in kamfani da yarjejeniyar da aka yi. A cikin Anan, inda haɗin gwiwa ke tasowa daga dukiyar ɓangarori biyu ko fiye, duk wata asarar da kamfanin ya yi za a raba ta tsakanin abokan haɗin gwiwa daidai da kason jari da kowannensu ya saka. A cikin Abdan, inda haɗin gwiwa ya dogara ne da ayyukan da abokan haɗin gwiwa ke bayarwa, ana raba asara bisa ga albashin/ladan abokan haɗin gwiwa. A cikin Mudharaba, inda haɗin gwiwa ya dogara da jari daga ɓangare ɗaya da aiki daga wani ɓangaren, mai jari ne ke ɗaukar asara, yayin da mai bayar da aiki ke rasa ladansa/albashinsa. Daga waɗannan ƙa'idodi da tsare-tsare na asali, ana iya kafa wasu nau'o'in kamfani da yawa. A kowane hali, ana raba riba bisa yarjejeniyar juna, ba tare da la'akari da yawan jari ko ayyukan da aka bayar ba.

The most fundamental criteria that must be met by all companies of partnership are that there must be offer and acceptance between two or more parties, and that once they become partners they have equal say in the running of the company. In addition to these criteria, the manner of sharing profits and losses is dependent on the type of company and agreement made. In the Anan where partnership is formed by the wealth of two or more parties, any loss suffered by the company would be shared among the partners in proportion to the capital they put in. In the Abdan where partnership is based on services provided by the partners, loss is shared according to the salaries/wages of the partners. In the Mudharaba where partnership is based on capital from one party and labour from another, loss is incurred by the owner of capital while the provider of labour loses his wage/salary. From these elementary rules and structures, many other forms of company can be formed. In all cases, profit is shared according to mutual agreement independent of the amount of capital or service/labour provided.

Ta wannan tsari, ci gaba da saka hannun jari a kasuwanci yana kiyaye yawan aikin yi, kuma duka masu arziki da talakawa suna da damar samun ƙarin wadata.

Through this arrangement, continuous business investment keeps employment levels high and both the rich and the poor have the potential to get richer.