@sheikhnumanmuhamadmbogo: In Islam, charging and receiving interest, known as riba, is strictly forbidden (haram) because it is considered unjust, exploitative, and a form of unjust gain that creates disparity between the rich and poor. This prohibition applies to both the lender and the borrower and is based on explicit commands in the Quran and Sunnah, which are the Islamic holy book and the teachings and practices of Prophet Muhammad. While necessity can sometimes permit borrowing at interest, the earnings from interest cannot be used for personal benefit and must be given to charit