ABSTRACT :When economies fail, the world’s central bankers create trillions of dollars, yen, pesos, euros, and pounds by following the bankers’ monopoly, using money as a means of capital and a major contributor to capital in financing financial transactions. Banks and non-banks as actors in the distribution of money used for business capital are concentrated in the form of financing, but after the enactment of fiat money, the extent to which the meaning of financing can meet the fairness of financing based on Islamic finance principles