Introduction
Muslims has agreed about the Holy Qur`an is a miraculous appearance of a message for humanity formulated directly by God himself in his own words and conserves by his promise and power. Moreover, the Qur`an itself tells us again and again that it consists of bayyinat, knowledge through as clear as possible in a human language. It also tells us that it explains everything. Actually the Qur`an is the primary source of Islamic teaching, and then the Hadith is a secondary source of Islamic teaching. However, In term of business Islam also support business activity that already stated in Qur’an and Hadist.
Based on the hadist riwayat Tarmizi, Rasulullah SAW stated about the sustenance come from business. Since in Rasulullah SAW civilization all of kind uncertainty business was forbidden, it has related to the amount that is not specifically provided for the goods to be exchanged or transferred. Meanwhile enhanced the glory days of Islam (Umayyads and Abbasids descendants) where contribution is to identify business practices Islam has done must be in appropriate with Islam, beside that systematic and formalize business practices and finance to legal standards that are based on Islamic law, Al-Qur 'an and Sunnah.
In Islam, business as one of activity very noble and also sunnah prayer. As we as know Shariah business principles in Islam are Qur’an and Hadist, that have indications of non interest or Usury. Absolutely, business management that interacts with its environment must use the norms, rules and paradigms that clearly should prevent business from a base usury. In fact in the economic system that continues until now, usury has become the most factor in the economic life people both nationally and internationally. As a consequence the business certainly faced with a situation complexity of the economic system that affected by the prevailing economic system today. Therefore, it is relatively difficult to avoid business Muslims in doing business without interest or usury. But it doesn’t have means that the business doing can’t attempt free of elements rate.
The release will be determined by the individual each business. It's depends the individual and each business that are internally committed to achieving our welfare by application business system without usury in the middle of the existing economic system. In this assignment, it's more discussing detail about the basic elements that are prohibition in Islamic business, deviate from the Shariah, ad become null and void (fasid) such as Riba (usury), Gharar (uncertainty), and Maysir (gambling). Actually in this assignment will be focusing on the Riba or Usury that take up the understanding about definition of Riba, Evidence (dalil) for its prohibition, and the impact of Riba in daily life. Moreover it will be supported by the journal articles stated about Riba.
Definition Riba' (Usury)
Actually Riba comes from an Arabic word that derivative from the verb raba that exactly means ‘to grow’ or ‘expand’ or ‘increase’ or ‘inflate’ or ‘excess’. It means overstated the current loan repayment amount based on a percentage of the principal loan amount, which is charged to the borrower. Riba is generally translating into English called as “usury” or “interest”, but in fact it has a much broader sense in the Shari`ah. Riba in the Shari`ah. In fiqh terms, riba means an increase in one of two homogeneous equivalents being exchanged without this increase being accompanied by a return.
Based on the International Shari'ah Research Academy for Islamic Finance also known as ISRA (2012: 177) stated about Riba is unlawful gain derived from the quantitative inequality of the counter values in any transaction purporting to affect the exchange of two or more species which belong to the same genus and are governed by the same efficient cause. Deferred completion of exchange of such species may also amount to riba whether or not the deferment is accompanied by increase in any one of the exchanged counter values.
Based on Muhammad Mazhar Iqbal stated the definition of the Riba or also known as usury is an inflated rate of interest compounded at short intervals which must be paid and charged by financial intermediaries, hereafter called bank interest. Actually bank interest is also considering as outside the ambit of riba. Thus, riba encompasses bank interest as well. The conservative view is that in addition to usury or bank interest or both, riba also includes all forms of economic exploitation of the poor by the rich like profiteering and paying of subsistence wages to laborers.
Riba is not restricted to increase in loan transaction to deferment of time of payment, as it might also occurs in any unjustified excess above and beyond the capital, whether in loan between creditor and deflector or in trade with similar commodities. Based on the hadith stated about riba is gold for gold, silver for silver, wheat for wheat, barley for barley, dates for dates, and salt for salt, like for like, equal for equal and hand for hand, if commodities differ then you may sell as you wish provided that the hand to hand (Sahih al-Muslim).
In Islam, take a riba or get extra money from loan is forbidden, because Riba is the prohibited payment or receipt of interest on loans of money. However, if riba is, in essence define as as interest then the entire present civil and commercial structure is tainted with illegality. Riba same with the act of consuming someone else's property without risk, easy obtained the rich over the poor grief and damage to the human spirit to work for money.
THE CONCEPT OF RIBA
In Islam, Riba is forbidden and take a riba or get an extra from loan is forbidden. Actually riba also called interest which means an unjust and exploitative that already stated by Mosad Zineldin as an author of a book on Islamic or Interest-free banking observes about the most important thing and the most difficult right now is issue of the Islamic position with respect to the abolition of riba especially in usury, and a positive rate of interest. It is important because the Islamic commandment to eliminate it signifies a distinctive socio-economic philosophy, which abhors social exploitation in all forms, including “unbalanced” and iniquitous financial relationships.

It is difficult because the abolition of riba is in fact a signal for not only a financial rearrangement, but, even more fundamentally, for a restructuring of the entire economic system along Islamic lines. If Riba applying in business daily life, it will be making an exploitation for a poor people, whilst that already stated in the al-Quran message of justice about protecting the weak and vulnerable, the entire notion of justice in this regard is supposed to be blind, throughout dealing with the rich or poor people. However, Riba will be exploitation seriously in term of the financial, because the borrower must be paid extra money to lender in order to fulfill the interest that already agreed.

Based on the son of Zayd b. Aslam (d. 136/754) stated about the way of riba was doubled and redouble in the pre Islamic. Furthermore, in the pre-Islamic riba consist of the double of the money or commodities that the borrower need to paid to the creditor, which agreement such as will you pay me more or increase in other word the debt, meaning that the debt would be doubled to be pain in one year, if the debt can't be paid it would be doubled again. For instance, one hundred in one year would become two hundred. If that was not paid, the debt would increase to four hundred. Each year the debt would be doubled. In shortly, Riba is the prohibited payment or receipt of interest on loans of money. According to Aristoteles, that riba as a result of improper because it is obtained from another people and he argues that money cannot make money.

Infiqh, we can classified two riba 1. Riba happened to buying and selling
The first group of riba can classified become 2 kinds of riba are riba fadl and riba nasi’ah :
a. Riba fadl
It means exchange goods ribawi with good ribawi with different doses or one of them give additional advantages or the other.
For example : Sell gold for gold, or silver with silver in which one of them gives certain additional. So this kind of riba happened the elements of riba because the exchange factor. Not because of the suspension of payments factor.
b. RibaNasi’ah is change good with other goods with different doses and no delivery of the goods at the time of sale and purchase transactions in the local contract.So the goods are made in the future.Therefore the riba happenedbecause deferral of payment.
2. Riba happened to debt transactions
The second group of riba can classified become 2 kinds of riba are riba qard dan riba jahiliyah : a. Riba Qard, Is an extra or excess levels of certain required to people who owe. b. RibaJahiliyah is charged in addition to the principal of the loan and the borrower that is unable to return the principal at the time specified.
Al-Qur'an Surah Al Baqarah verse 130 Allah says means:
"Hi everyone - believers do not be excessive or devour usury doubled and bertaqwalah to God that ye may prosper" From the Hadith the Prophet Muhammad said: Surely that ribausual occurs the sale and purchase of debt or credit (HR.Buchari, Muslim and Ahmad).
Example of Riba : For instance, most individuals would prefer RM 100 today over RM 105 in one year, but prefer in twenty years over RM 100 in ninetee, Those and other”time preference anormalies” suggest that individually inconsistent”in their saving, spending, and borrowing behavior. The conclusion is that individuals tend to discount the immediate future (e.g., one year from now) much more severely than they discount over a similar period later in the future (e.g., between nineteenth and twentieth years).

Business was highly recommended by the prophet Muhammad SAW. Surely the business mush follow the business rules in Islam.But all of activity business that we do can’t transaction that have element of riba, gharar and maisir, because the element are forbidden in Islamic business and trade. Then if we do one of them between riba, gharar or maisir, so one of them will loss. can cause the transaction its not certainty and unclear.
In era globalization, the prohibition of riba, gharar and maisir not relevant because financial market contains business that have risk for other people (such as conventional assurance, capital market and other finance transaction contain element of gambling). Every business certain have a risk and can’ not be avoid. The system is being removed by Islam, so the process of transactions keep good and gathering can stay in touch and don’t cause enmity who the people doing transaction in financial market.
So, That is the one of thing that are prohibited in the sake and purchase activities in Islamic business. All prohibitions and restriction reflects the perfection and completeness in Islam. All these forbidden things are the things that can cause harm and distress to humans. But if people hold the teaching and guidance of Islam, surely we will get Allah’s

The Dalil about the prohibition of Riba, Gharar and Maisyir in Islamic Business
3.1 Dalil of Riba
Some Dalil in Al Qur’an and sunnah state about riba is not allowed in Islamic business a) QS. Ar-Ruum 39

“And whatever you give for interest to increase within the wealth of people will not increase with Allah. But what you give in zakah, desiring the countenance of Allah - those are the multipliers”.

This surah explain about that riba is extra and if we use riba in business we will not get the pleasure of Allah SWT because it same as multiply something.
B) QS. An-nissa 161

“And [for] their taking of usury while they had been forbidden from it, and their consuming of the people's wealth unjustly. And we have prepared for the disbelievers among them a painful punishment”.
That’s Surah An- Nisa 161 down in the city of Al-Madinah .explain about. Thissurah explain about riba is banned for Jewish.

c) QS Al-Baqarah 275

Means :
“Those who consume interest cannot stand [on the Day of Resurrection] except as one stands who is being beaten by Satan into insanity. That is because they say, "Trade is [just] like interest." But Allah has permitted trade and has forbidden interest. So whoever has received an admonition from his Lord and desists may have what is past, and his affair rests with Allah . But whoever returns to [dealing in interest or usury] - those are the companions of the Fire; they will abide eternally therein”