Frequently Asked Questions

Here are some of the most common qurestions we have encountered. Please contact us if you like other questions to be included.

What is Riba?

Riba is loosely translated from the original Arabic as ‘Usury’ and is often used to describe the loaning of money on interest. It is a term found in the Quran and Sunnah of the Prophet Muhammad (pbuh) and has been repeatedly condemned as a major sin and evil.

While loaning on interest does qualify as riba, riba also has many other different forms. As per the hadith of the Prophet Muhammad (pbuh):

“Riba has 70 segments”

(Ibn e Majah 2265)

Is UNRIBA some cult, sect or political movement?

No, UNRIBA is a grassroots campaign focused on reform against riba on an individual and community level. The source of the prohibition against riba is found in the Islamic teachings of the Quran and Sunnah.

While the organisers and volunteers of UNRIBA are mainly Muslim, we do not uphold or promote any specific religious sect or political ideology, nor do we seek confrontation with any government or state. Our approach is non-sectarian and inclusive of all those concerned with the same issue.

If Riba is so prevalent, are your campaign goals practical or achievable?

As per the hadith of the Prophet Muhammad (pbuh):

“Narrated Abu Hurayrah: The Prophet (pbuh) said:

“A time is certainly coming to mankind when only the receiver of riba will remain, and if he does not receive it, some of its vapour will reach him. Ibn Isa said: Some of its dust will reach him.”

(Sahih Bukhari, Book #22, Hadith #3325)

UNRIBA recognizing the current age as being the fulfillment of the above prophesy, with riba being so pervasive so as to be unavoidable. However, we also realize that it is incumbent upon every Muslim to exert maximum effort to curb riba and its effects on one’s life to his or her own capacity in order to be sincere to Allah (sbt), even if one cannot completely avoid it. Beyond this, we continue to seek the forgiveness of Allah (sbt) for our shortcomings and failures.

With the situation as above in mind, UNRIBA seeks to first education the public regarding riba itself, before proposing modest and practical options and alternatives that can be applied to make riba less of a life factor if not extinguish it. The achievable end goal may not be a systemic monetary and financial revolution, but meaningful change for individuals and communities to help move in the right direction.

Why does your campaign focus on the youth?

UNRIBA focuses more on the youth as they are the demographic least aware of the sinfulness and destructiveness of riba, and with the most potential for positive and lasting change. It is vitally important for young people to learns the facts regarding riba as they prepare to integrate with the larger financial system.

Is UNRIBA for Muslims only?

No, though UNRIBA focuses on riba as a problem antithetical to the Islamic faith, it recognizes the increasing number of non-Muslims worldwide who have gained an awareness as to the damaging effects of riba on the global economy and on the lives of millions of struggling families. UNRIBA also shares common ground with adherents of other faiths in which usury has been condemned as sinful and forbidden, such as Christianity and Judaism.

Therefore, UNRIBA seeks to find areas of collaboration with those parties worldwide working tirelessly towards similar goals of monetary and financial reform.

What is Sunnah Money?

The term ‘Sunnah Money’ relates to the medium of exchange used by the Prophet (pbuh) and his companions, and throughout the vast majority of Muslim history. This is the use of the Gold Dinar, Silver Dirham and other types of commodity-based money. Sunnah Money is money that follows the standards as prescribed by the Quran and Sunnah, and in direct opposition to the fraudulent and haram debt-based fiat system of digital and paper money in existence today.

Does UNRIBA promote Dinar and Dirham?

Yes, UNRIBA promotes the use and circulation of the Gold Dinar, Silver Dirham and other types of commodity-based money to the extent possible. The use of Sunnah Money should be seen as a revival of a practice of the Sunnah rather than a mere financial rainy day investment though.

How can I obtain Dinar and Dirhams?

There are several parties minting Dinars and Dirhams, from local government to private minting agencies.UNRIBA does not specifically endorse or denounce any particular minting agency. UNRIBA and its representatives will refrain from ever doing so to the best of their ability. Choosing a particular minting agency is an individuals responsibility and all are encouraged to educate themselves of the various options and to investigate with due diligence before making any transactions. The UNRIBA campaign may include various types of events where minting agencies participate, yet this should not be construed as a definitive endorsement of any such minting agencies. UNRIBA is committed to an inclusive and broad awareness campaign and is willing to work with any and all such parties in good faith towards that end but will take a neutral and objective stance regarding the various minting agencies and other sources of dinars and/or dirhams that exist.