It is clear that the intent behind prohibiting riba is to shift the focus to risk - sharing contracts of exchange.

Islam has provided ways and means by which those who are able mitigate uncertainty by sharing the risks they face by engaging in economic activities through exchange with others

Sharing allows risk to be spread and thus lowered for individual participants.

(Mudarabah) the contract between the agent and a group of investors may result in a more efficient revelation of any informational advantage possessed by the agent over the principals

Risk transfer by means of interest - based debt contracts, in contrast, weakens that linkage.

Interest rate-based debt contracts have two major characteristics :

1. Risk shifting, risk shedding, and risk transfer.

2. In such contracts, the creditor acquires a property-rights claim on the debtor, equivalent to the principal plus interest and whatever collateral may be involved, without losing the property - rights claim to the money lent.

All forms of organized risk sharing have a “mutuality” dimension in their activities.

Islamic Business Ethics prohibits najash

Islamic Business Ethics does not prohibit Khalabah