Is the forbidden usury the stipulated increase on the money upon its repayment, or is it the increase when repayment is delayed due to default?

The forbidden usury (riba) is the condition of an increment in repaying a loan. It is one of the major sins, incurs a curse, and obliterates blessings. Its ruling does not change based on the repayment period or the borrower's financial status. The claim that forbidden usury is only exploitative (istighlali) usury, not productive (intaji) usury, is false. The Quranic texts are general and do not differentiate between the poor and the rich. The prohibition encompasses both consumer (istihlāki) and exploitative usury, as unanimously agreed upon by the Islamic Research Academy.