Viwango vya riba ndio msingi wa mfumo wa Kibepari kwa njia nyingi. Hutumiwa kama chombo cha kudhibiti ukuaji wa uchumi na usambazaji wa fedha kwa kufanya kazi kama "motisha" kwa wale walio na fedha za ziada kuziweka akiba au kuzihifadhi. Katika Uislamu, riba na kuhodhi fedha vyote vimekatazwa. Allah (SWT) anasema katika Qur'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:

“Na wale wanaokusanya dhahabu na fedha na wasizitoe katika njia ya Allah, basi wape habari ya adhabu iumizayo.” [TMQ 9:34] Pia Yeye anasema: “Allah amehalalisha biashara na ameharamisha riba.” [] Kwa hiyo wamiliki wa mitaji wanapaswa kuwekeza mitaji yao ama katika mfumo wa biashara binafsi au ushirika.