Spiritual return is the first demand

Islamic investors, it is explained, seek both a 'spiritual return' and an adequate financial return on the funds they put forth. Conventional banks come up short in the spiritual category. Islamic economic activity needs to be grounded in the idea of justice that is found in al-Qur'an. Fairness within the society is to be pursued. An issue that has come to the forefront as Islamic banking has expanded is the lack of uniformity amongst the shari`a boards of Islamic institutions. Every shari`a board has the right to put forth its own view. There are differences in understandings of the term 'interest-free.' There are also differences in how margins of profit are presented. With the use of the ijara (leasing) method, yields potentially as high as 40% can be garnered.