Although it has been prohibited, many still ignore the prohibition of usury. Allah Subhanahu wa Ta'ala explicitly forbids usury in the Quran. One example can be found in Surah Ali Imran verse 130. يَا أَيُّهَا الَّذِينَ آمَنُوا لَا تَأْكُلُوا الرِّبَا أَضْعَافًا مُّضَاعَفَةً ۖ وَاتَّقُوا اللَّهَ لَعَلَّكُمْ تُفْلِحُونَ Translation: "O you who have believed, do not consume usury, doubled and multiplied, but fear Allah that you may be successful." (QS. Ali Imran Ayat 130)

There are three types of riba in buying and selling conditions, namely: Riba Fadhl. This riba occurs when buying and selling or exchanging ribawi goods but with different amounts or measurements. An example of this is exchanging 24 karat gold with 18 karat gold, or exchanging a 100 thousand currency denomination with a two thousand denomination but the quantity is only 48 sheets, so the total amount of money given is only 96 thousand.

There is a delay in the process of buying and selling both ribawi and non-ribawi goods, accompanied by a delay in the exchange of both goods, or a delay in the acceptance of one of them. Riba yad occurs when the transaction process does not specify the exact amount of the payment. So, during this process, there is no agreement before the exchange. For example, there is someone selling a motorcycle and offering the item for 12 million if paid in cash, but if paid in installments, it becomes 15 million. Both the seller and the buyer do not agree on the amount that should be paid until the end of the transaction.

There are two types of interest in the process of debt, namely: Riba Qardh. It occurs when there is an additional amount generated from the required repayment of the principal loan to the muqrid (creditor). It means that the muqrid (creditor) takes the required profit from the muqtarid (debtor). For example, a loan shark lends 100 million with a condition of 20 percent interest for 6 months.

The translation of the given text is as follows, while preserving the HTML tags: The law of usury is forbidden, so it is important for Muslims to avoid it because its sin is very terrible. From Ibn Mas'ud (may Allah be pleased with him), the Prophet Muhammad (peace be upon him) said: الرِّبَا ثَلَاثٌ وَسَبْعُونَ بَابًا؛ أَيْسَرُهَا مِثْلُ أَنْ يَنْكِحَ الرَّجُلُ أُمَّهُ، وَإِنَّ أَرْبَى الرِّبَا عَرْضُ الرَّجُلِ الْمُسْلِمِ which means: "Usury has seventy-three doors, the lightest of which is like a man committing adultery with his mother. And the worst kind of usury is when a Muslim's honor is violated." (Narrated by Al-Hakim)