Spot riba by substance, not labels
Distinguish a trade-linked profit from a prohibited time-value charge on debt.
The move: test the basis of return before you trust the label. Riba risk often hides in tidy vocabulary. Teams say margin, service fee, convenience charge, rollover fee, or compensation. The name is evidence of intent, but it is not the legal or ethical mechanism. The Return Test Ask what the institution is actually being paid for. A sale profit can be valid when it is part of a real sale with disclosed price and required asset steps. Lease rent can be valid when linked to usufruct. Partnership profit can be valid when linked to capital at risk and agreed…
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