Hukunin Ajiyar Kuɗi a Musulunci: Na Al'ada da na Shari'a

Ajiyar kuɗi na al'ada da tsarin riba ana rarraba shi a matsayin riba kuma hukuncinsa haram ne ƙaƙƙarfan, kamar yadda Ayah 275 ta Suratul Baƙara ta nuna. A ɗayan ɓangaren, ajiyar kuɗi na shari'a yana amfani da tsarin muɗarabah (raba ribar) wanda aka hukunta halas, bisa wasu dalilai kamar Ayah 29 ta Suratun Nisa. A Indonesia, Fatwar DSN-MUI mai lamba 03/DSN-MUI/IV/2000 ta tsayar da sharuɗɗan ajiyar kuɗi ta muɗarabah wacce babu riba, kamar a fayyace rabon riba a farko da haramcin rage ribar abokin ciniki ba tare da izini ba. https://mozaik.inilah.com/dakwah/hukum-deposito-menurut-islam-apakah-halal-atau-haram