Chapter on Additional Situations in Which Riba Applies When Collecting a Debt, and Situations in Which It Does Not

Anything that may not lawfully be taken at the outset of a transaction may likewise not be accepted later in settlement of a debt. To illustrate: if you sell a commodity for a deferred price, then when the due date arrives it is impermissible for you to receive, in place of that price, another item of the same kind that is superior in quality. Nor may you, if the original commodity was a garment, take two garments of the same kind in exchange for it at maturity, nor even a single garment identical to it together with any additional item whatsoever. There is no objection, however, to taking a garment identical to yours—or any commodity of equal type and quality, or of lesser quality—when the term falls due