TRICKS TO ESCAPE FROM USURY AND TRANSACTIONS IN ISLAMIC ECONOMY AND THEIR CRITICISM

Abstract

There are those who are apparently religious and believe in God, but they have strong emotional desires, which they knock on every door to achieve it. They don't want to commit an obvious sin, but in order to achieve their material goals, they are looking for justifications to give their desires shari'i appearance through justifications. One of their signs is that where they have great interests and the Sharia doesn't allow them in appearance, they go for the tricks of the Sharia, they bypass the halal and the haram, in order to find a way to pass, even if it is fake. Usury is prohibited in Islam and other divine religions. However, the existence of the common financial system in the world today, especially in the western world, is based on usury. It is not possible to eliminate usury from the banking system and financial markets of Islamic countries without knowing the method of usury tricks and distinguishing permissible tricks from haram. In this research, using a descriptive-analytical method, tricks to escape from loan and transactional usury and their criticism and analysis are discussed and the results of the research show that finally, by examining and analyzing the opinions of jurists, verses and traditions about the tricks of usury, it can be concluded that the jurists in general accept sharia tricks and all banking transactions can be formed in line with sharia transactions without being contaminated by divine prohibition, provided that these transactions do not have a formal or outward aspect and are honest in the field of action.