Scholarly Insight: In Islamic Jurisprudence (Fiqh), Riba is considered one of the major sins. Scholars classify it primarily into two types: Riba Al-Fadl (usury of surplus in trade of specific commodities) and Riba An-Nasi'ah (usury of delay or debt). The fundamental reason for its strict prohibition is that it generates wealth from money itself rather than from actual economic activity or risk sharing. This system inherently exploits the needy, creating a guaranteed, risk free profit for the lender while transferring all the burden and risk to the borrower. Therefore, any extra amount stipulated as a condition over the original principal of a loan falls under this prohibited increase (Nama').