salam.
according to M. Shiekh, riba means only increase ,not interest . he says that interest is a fair trade .
841 You should know that anything you gain, then one-fifth shall go to God and the messenger, and the relatives, and the orphans, and the poor, and the traveller. You will do this if you believe in God and in what We revealed to Our servant on the day of the Criterion, the day the two armies clashed. God is able to do all things.
the 20 percent of any profit belong to the eight categories above . we are supposed to keep only 80% . now if someone consumes the 20 % , then he is consuming the RIBA (increased) .
2275 Those who consume the riba, they do not rise except as the one who is being beaten by the devil out of direct touch. That is because they have said "The Trade is like The Riba" While God Has made the trade lawful, and He has forbidden the riba. Whoever has received understanding from His Lord and ceases, then he will be forgiven for what was before this and his case will be with God. But whoever returns, they are the people of the Fire, in it they will abide eternally.
here M. Shiekh makes the point that interest is trade , and those who consume riba claim that the trade (a specefic trade called "interest") is like the riba(the increased) .
that is , Allah has made interest lawful , and has forbidden riba (the increased 20%).
what do u think ?