Money is not a commodity. It does not reproduce. It only grows when used in a valid productive economic activity. Money is only a measuring device or a scale of value.

Wealth should be circulated within the community by investing it to help develop the community in order to create jobs, economic growth and prosperity for all regardless of ethnicity, skin color, religious beliefs or gender.

LARIBA is usually confused with "Interest Free". We believe that this is a narrow and inaccurate definition. Because, at the end of the day profits are to be made and rates are calculated and many may say so, "What is the difference?” A LARIBA financial institution is that which operates without "RIBA" that is INTEREST. Interest rates are looked upon in the conventional banking system as the price (cost) of money regardless of the utility produced from the asset to be financed.

LARIBA financing requires that the LARIBA banker/financier know what the applicant will use the money for and that it invo