of the good in precise enough detail "to dismiss any possible conflict".Usmani, Introduction to Islamic Finance, 1998: p. 128 Salam contracts predate istisna and were designed to fulfill the needs of small farmers and traders. The objects of the sale maybe of any type—except gold, silver, or currencies based on these metals. Islamic banks often use "parallel" salam contracts and acting as a middleman. One contract is made with a seller and another with a purchaser to sell the good for a higher price. Examples of banks using these contracts are ADCB Islamic Banking and Dubai Islamic Bank. Basic features and conditions of a proper salam contract A salam transaction must have the buyer paying the purchase price to the seller (the small farmer or trader, etc. being financed) in full at the time of sale. Salam cannot specify that a particular commodity or a product come from a particular place—wheat from a particular field, or fruit from a particular tree as this would introduce excessive uncertainty (gharar) to the contract. (The specified crop or fruit might be ruined or destroyed before delivery.) To avoid dispute, the quality and quantity (whether weight or volume) of the commodity purchased must be fully specified leaving no ambiguity. The exact date and place of delivery must be specified. Any exchange of gold, silver, wheat, barley, date, or salt on a deferred basis in salam is a violation of riba al-fadl and forbidden. Salam is a preferred financing structure and carries higher order of shariah compliance than contracts such as Murahabah or Musawamah. Ijarah Ijarah, (literally "to give something on rent") is a term of Islamic jurisprudence, and a product in Islamic banking and finance resembling rent-to-own. In traditional fiqh (Islamic jurisprudence), it means a contract for the hiring of persons or services or "usufruct" of a property generally for a fixed period and price. In Islamic finance, al Ijarah usually refers to a leasing contract of property (such as plant, office automation, motor vehicle), which is leased to a client for stream of rental and purchase payments, ends with a transfer of ownership to the lessee, and otherwise follows Islamic regulations. Unlike a conventional lease, the financing party of a sharia-compliant Ijara must buy the asset customer wants to lease and take on "some of the commercial risks (such as damage to or loss of the asset) more usually associated with operating leases".