Islamic finance refers to means of raising capital in accordance with Shariah or Islamic law. Islamic law views money as a measuring tool rather than an asset, and views interest payments as favoring lenders over borrowers. Key principles are derived from the Quran and teachings of the Prophet Muhammad. Islamic finance must avoid interest, gambling, and uncertainty, and must involve real economic activities like trade. It uses contracts like mudarabah, musharakah, and salam. The future of Islamic finance involves greater participation from Western and Asian institutions and continued development of standards and institutions.