Faida katika kitu inawakilisha kufaa kwa kitu hicho kukidhi haja ya binadamu. Faida ina vipengele viwili. Kimoja ni kiwango cha hamu ya kitu hicho mahsusi anachohisi binadamu. Cha pili ni sifa zilizopo katika kitu hicho na kufaa kwake kukidhi mahitaji ya binadamu, tofauti na haja ya mtu fulani mahsusi. Faida hii hutokana na juhudi za binadamu, bidhaa, au zote mbili. Juhudi za binadamu zinajumuisha juhudi za kiakili na za kimwili anazozitumia kuanzisha mali (Maal) au faida itokanayo na mali. Neno bidhaa linajumuisha kila kitu kinachomilikiwa kwa ajili ya matumizi kupitia kununua, kukodi au kukopa, iwe kwa kutumiwa, kama tufaha, au kwa kutumika, kama gari; au kwa kutumia kitu hicho kama vile kukopa mashine au kukodi nyumba. Mali (Maal) inajumuisha fedha kama dhahabu na fedha, bidhaa kama nguo na vyakula, na mali zisizohamishika kama nyumba na viwanda, pamoja na vitu vyote vingine vinavyomilikiwa. Kwa kuwa mali yenyewe hukidhi mahitaji ya binadamu, na juhudi za binadamu ni njia ya kupata mali au faida yake, basi mali ndiyo msingi wa faida, ilhali juhudi za binadamu ni njia tu inayomwezesha kupata mali. Hivyo, binadamu kwa asili yake hujitahidi kupata utajiri huo ili kuumiliki. Kwa hiyo juhudi za binadamu na mali ni zana zinazotumiwa kukidhi mahitaji yake; ndizo mali ambazo binadamu hujitahidi kuzimiliki. Basi utajiri ni mali (Maal) pamoja na juhudi kwa pamoja.

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.

Upatikanaji wa mali na watu binafsi hutokea ama kutoka kwa watu wengine, kama vile kumiliki mali kwa njia ya zawadi, au moja kwa moja, kama vile kumiliki malighafi. Upatikanaji wa bidhaa ni kwa ajili ya:

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. matumizi, kama vile kumiliki tufaha,

1. consumption, like possessing an apple,

2. matumizi, kama vile kumiliki nyumba,

2. utilisation, like owning a house,

3. umiliki wa manufaa ya mali, kama vile kukodisha nyumba,

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

4. au umiliki wa manufaa yanayotokana na juhudi za binadamu, kama vile michoro ya mbunifu (architect).

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

Umiliki wa mali katika aina zake zote, ni ama kwa fidia kama vile kuuza na kukodisha mali, na mshahara wa mfanyakazi; au si kwa fidia kama vile sadaka, ruzuku, zawadi, urithi au mikopo. Hata hivyo, tatizo la kiuchumi liko katika umiliki wa mali na si katika uzalishaji wa mali. Tatizo la kiuchumi linatokana na mtazamo kuhusu umiliki, kutokana na matumizi mabaya ya umiliki huu, na kutokana na mgawanyo mbaya wa mali miongoni mwa watu. Tatizo halitokani na jambo lingine lolote, na kwa hiyo kushughulikia kipengele hiki ndiyo msingi wa mfumo wa kiuchumi. Msingi ambao mfumo wa kiuchumi umejengwa juu yake una kanuni tatu:

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. Umiliki,

1. Ownership,

2. Kuondoa umiliki, na 3. Ugawaji wa mali miongoni mwa watu.

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