Islom mulkchilik huquqini inkor etmaydi, ammo insonlarga mol-mulkni qanday egallash va undan qanday foydalanish kerakligini belgilash huquqini ham bermaydi. Xalifalik hayotida moddiy boyliklarga bo'lgan qarash tubdan o'zgaradi. Islomda boylik Yaratuvchidan berilgan amanatdir. Shuning uchun nimani sotib olish va sotish mumkinligini yoki mumkin emasligini faqat Alloh (SWT) hal qiladi. Bugungi holat esa bunga zid: jamiyatdagi to'g'ri va noto'g'ri narsalar bozor kuchlari, taklif va talab qonunlari ixtiyoriga topshirilgan. Mahsulotning tijorat jihatdan foydali bo'lishi uning jamiyatga ko'rsatadigan zararli oqibatlaridan ustun qo'yiladi. Bunday dunyoda biznes manfaatdorlari demokratiyaning "qo'riqchi farishtalari" — siyosatchilarni moliyalashtiradi yoki ularga bosim o'tkazadi.

Islam does not deny ownership of material or property, however it also does not allow humans to dictate the way it is acquired and used. Life in the Khilafah will offer a dramatic change in the way material is viewed In Islam wealth is a trust from the Creator. Consequently it is Allah (swt) alone who decides what can and cannot be bought and sold. This is unlike the situation today where the rights and wrongs of a society are at the mercy of market forces and the laws of supply and demand and where commercial viability of a product takes precedence over the detremental effects on society that are produced as a result of the product’s existence. Such is a world where business interests fund or lobby the ‘guardian angels’ of democracy - the politicians.