I believe there are 4 types of riba that we must be aware , and Allah defined riba through what have not been mentioned in the Quran.
For example,
Allah explains "A", and if not "A", then it is "B" (riba)
Allah explains "C", and if not "C", then it is "B" (riba)
Therefore. . . .
Alif, Lam, Ra.
[This is] a Book whose verses are perfected
and then presented in detail
from [one who is] Wise and Acquainted
11.1
. . .
First category: Trade vs. Riba
Those who consume interest cannot stand except as one stands who is being beaten by Satan into insanity.
That is because they say, "Trade is like interest."
But Allah has permitted trade and has forbidden interest.
2.275
Take note that I do not believe the word is "interest", it means something else. The main point from this verse is that what does not fall within the category of "Trade", it is "Riba". Therefore, we have to find out what is "Trade" from the Quran, and other than that . . it is "Riba".
. . .
Second category: Personal effort vs Transaction out of nothing
O you who have believed, do not consume riba,
doubled
and multiplied
but fear Allah that you may be successful
3.130
What does not come from our "personal effort", it is "Riba". For example Network Marketing, or the concept of leverage of People Time and People Money (OPT & OPM) etc. It is creating money out of nothing, and it is Riba.
. . .
Third category: Sadaqah vs Bribery etc.
Allah destroys riba
and gives increase for charities
And Allah does not like every sinning disbeliever.
2.276
And whatever you give for riba 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.
30.39
What does not fall within the category of "Sadaqah", then it is "Riba". Therefore, we have to find out what is "Sadaqah" from the Quran, and other than that. . .it is "Riba".
. . .
Fourth category: Just Transaction vs Gambling/Theft/Extortion/Fraud etc
And [for] their taking of riba 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.
4.161
What does not fall within the category of "consuming people's wealth justly", then it is "Riba". Therefore, we have to be certain that we acquire our wealth justly, without oppressing others and even though the transaction were entered voluntarily. . . otherwise, it is Riba.
. . .
Allah's warning . . .
And if you do not (leave riba),
then be informed of a war from Allah and His Messenger.
2.279
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