Amfanin wani abu yana wakiltar dacewar wannan abu wajen biyan buƙatar mutum. Amfani yana ƙunshe da abubuwa biyu. Na farko shi ne girman sha'awar wannan takamaiman abu da mutum yake ji. Na biyu shi ne kyawawan halayen da ke cikin abun da kuma dacewarsa wajen biyan buƙatun mutane, sabanin buƙatar wani mutum na musamman. Wannan amfani yana samuwa ne daga ƙoƙarin ɗan adam, daga kayan kansa, ko daga dukansu biyu. Ƙoƙarin ɗan adam ya haɗa da ƙoƙarin hankali da na jiki da yake yi domin ƙirƙirar dukiya (Maal) ko samun amfani daga dukiya. Kalmar kaya ta haɗa da duk abin da mutum ya mallaka domin amfani ta hanyar saye, haya ko aro, ko dai ta hanyar cinyewa, kamar tuffa, ko ta hanyar amfani, kamar mota; ko ta hanyar amfani da shi kamar aron injina ko hayar gida. Dukiya (Maal) ta haɗa da kuɗi kamar zinariya da azurfa, kayayyaki kamar tufafi da abinci, da kadarori marasa motsi kamar gidaje da masana'antu, da duk sauran abubuwan da ake mallaka. Tunda dukiya kanta tana biyan buƙatun ɗan adam, kuma ƙoƙarin ɗan adam hanya ce ta samun dukiya ko amfanin ta, to dukiya ita ce tushen amfanin, yayin da ƙoƙarin mutum kawai hanya ce da ke ba shi damar samun dukiyar. Saboda haka, mutum da dabi'arsa yana ƙoƙari ya samu irin wannan dukiya don mallaka. Don haka ƙoƙarin mutum da dukiya su ne kayan aikin da ake amfani da su wajen biyan buƙatunsa, su ne dukiyar da mutum yake ƙoƙarin mallaka. Don haka dukiya ita ce Maal da ƙoƙari tare.

The benefit in a thing represents the suitability of that thing to satisfy a need of man. Benefit comprises two elements. One is the extent of desire for that particular thing felt by a human. The second is the merits existent in the thing and its suitability to satisfy human needs, as opposed to the need of a particular person. This benefit results from either human effort, the commodity, or from both of them. The form of human effort includes the intellectual and the physical effort which He expends to initiate a property (Maal) or a benefit from a property. The term commodity includes everything possessed for utilisation through buying, leasing or borrowing, whether by consumption, such as an apple or by usage such as a car; or through utilising it like borrowing machinery or leasing a house. Property (Maal) includes money such as gold and silver, commodities such as clothes and foodstuffs, and immovable properties such as houses and factories and all other things which are possessed. Since property itself satisfies human needs, and human effort is a means to obtain the property or its benefit, then the property is the basis of the benefit, whilst man’s effort is only a means that enables Him to obtain the property. Hence, man by his nature strives to obtain such wealth for possession. Therefore man’s effort and property are the tools which are used to satisfy his needs, they are the property which man strives to possess. Therefore wealth is the property (Maal) and the effort together.

Mallakar dukiya ga daidaikun mutane na faruwa ta hanyar samun ta daga wasu daidaikun mutane, kamar mallakar dukiya ta hanyar kyauta, ko kuma kai tsaye, kamar mallakar kayan asali. Samun kayayyaki kuma yana kasancewa ko dai:

The individuals’ acquisition of wealth occurs either from other individuals, such as the possession of property in the form of a gift, or directly, such as the possession of raw materials. Acquisition of a commodity is for either:

1. amfani, kamar mallakar tuffa,

1. consumption, like possessing an apple,

2. amfani, kamar mallakar gida

2. utilisation, like owning a house,

3. mallakar amfanin dukiya, kamar hayar gida,

3. possession of the benefit of the property, like leasing a house,

4. ko mallakar amfanin da ke samuwa daga ƙoƙarin ɗan adam, kamar zane-zanen gine-gine na injiniyan gini.

4. or possession of the benefit resultant from human effort, like an architect’s blueprints.

Mallakar dukiya ta kowace fuska, ko dai ta hanyar diyya kamar sayarwa da hayar dukiya, da albashin ma'aikaci; ko kuma ba ta hanyar diyya ba, kamar kyauta, tallafi, kyautai, gado ko bashi. Duk da haka, matsalar tattalin arziki tana cikin mallakar dukiya, ba cikin samar da dukiya ba. Matsalar tattalin arziki tana faruwa ne daga kallon da ake yi wa mallaka, daga rashin kyakkyawan amfani da wannan mallakar, da kuma rashin daidaiton rabon dukiya tsakanin mutane. Matsalar ba ta samo asali daga wani abu dabam ba, saboda haka magance wannan bangare shi ne tushen tsarin tattalin arziki. Tsarin tattalin arziki da aka gina a kansa yana da ginshiƙai uku:

Possession of wealth in all of its forms, is either through compensation such as selling and leasing property, and wages of the employee; or it is not compensation such as donations, grants, presents, inheritance or loans. However, the economic problem lies in the possession of wealth and not in the creation of wealth. The economic problem results from the viewpoint towards ownership, from the ill disposition of this ownership, and from the maldistribution of the wealth amongst people. The problem doesn’t stem from any other matter, and therefore addressing this aspect is the basis of the economic system. The basis upon which the economic system is built constitutes three principles:

1. Mallakar Dukiya,

1. Ownership,

2. Zubar da mallaka, da 3. Rarraba dukiya tsakanin mutane.

2. Disposal of the ownership, and 3. The distribution of wealth amongst the people.