Allah has legitimatized trade and forbidden interest. Interest has been forbidden in most religions. Allah's laanat rains down on interest, and on all dealers in interest including the receiver, the giver, the buyer, the seller, the accountant and the witness. In a historical address to the gathering of Al Jamiya-tus-Saifiya-tul-Markaziyah held in Karachi in the year 1408 H., Aqa Maula (TUS) compared interest to blood cancer.

In leukemia or blood cancer, infection leads to:

• Excessive production of immature white blood cells,
• Reduction in the ability of the bone marrow to produce normal blood cells
• Increased susceptibility of the patient to various infections
• Fatality

Banks and other institutions of its kind, issuing loans on interest, claim to be the friends of those falling short of capital in starting new business ventures. They feign to be a front fighting against the financial odds of an individual like an army of white blood cells, fighting microbes that invade the human body. An individual, taking loan on interest, has to deduct an agreed amount from the profit he has toiled for, for the repayment of the loan and its interest. If he fails to do so for a month, he has to pay double the amount the following month. The multiplying interest resembles cancerous cells that inhibit the growth of normal blood cells. Not only is the whole profit eaten-up by the cancerous interest but the actual capital of the investor too gets diminished. Ultimately, excessive and uncontrollable multiplication of interest results in:

• Diminished profit margins
• Continuous reduction in the actual capital of the owner
• Susceptibility of attracting other ills connected with reduced income and increasing debt
• Financial death or bankruptcy.

The ill effects of interest on the receiver are equally crippling: interest induces a certain sluggishness and lack of conviction in the bounty of Allah besides limiting the receiver's income.

Strengthening the principle of Islamic trade based upon the forbiddance of interest, Aqa Maula (TUS) has institutionalized the concept of Qardan Hasana--interest free loans. Time and again, Aqa Maula (TUS) urges Jamaats and individuals to give Qardan Hasana, to fledgling businesses and persons in need. The Quran e Majeed says:

Give Qardan Hasana to Allah, and Allah shall increase it manifold and theirs shall be an honorable reward.