Foiz stavkalari ko‘p jihatdan kapitalistik tizimning tayanchi hisoblanadi. U iqtisodiy o‘sish va pul massasini tartibga solish vositasi sifatida ishlatiladi, chunki ortiqcha pulga ega bo‘lganlarga uni jamg‘arish/yig‘ib qo‘yish uchun "rag‘bat" vazifasini bajaradi. Islomda esa foiz ham, jamg‘arib qo‘yish ham taqiqlangan. Alloh (SWT) Qur'oni Karimda shunday deydi:

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:

"Va ular oltin va kumushni to'playdigan, uni Alloh yo'lida sarflamaydigan kimselarga battar azob xabarini ber." [TMQ 9:34] Yana u zot aytadi: "Alloh savdoni halol qildi va riboni harom qildi." [] Shuning uchun kapital egalari uni yakka tadbirkorlik yoki sheriklik shaklida joylashtirishi kerak.