What is the optimal Islamic economic system that prevents inflation, and how does it deal with the operations of central banks and commercial banks that lend money they do not possess with interest?

The usurious system is based on explicit usury, which has been prohibited in the Qur'an, Sunnah, and by scholarly consensus. The Permanent Committee for Scholarly Research and Ifta has issued a fatwa stating that it is not permissible to take a loan with interest from a bank or any other entity, because a loan with interest is among the usury forbidden by the Qur'an, Sunnah, and by scholarly consensus.

To counter inflation and invest funds, Islamic Sharia has opened several avenues, such as trade, industry, and other lawful means of earning. There are also Islamic banks whose transactions, including lending and other dealings, conform to Sharia regulations.