riba al-jahiliya. Other orthodox scholars agree and state riba al-jahiliya, riba an-nasiya, riba ad-duyun, riba al-Quran, riba al-qardh are all names for one of the two types of riba. (The second type being riba al-fadl.) Riba an-nasiya: the excess accruing from a loan transaction. Riba an-nasiya is riba on a credit transaction, when two quantities of items are exchanged, but one or both parties delays delivery or payment and pays interest, (i.e. excess monetary compensation in the form of a predetermined percentage amount or percentage). (Taqi Usmani quotes Fakhruddin Al-Raazi as saying "riba an-nasiah, it was a transaction well-known and recognized in the days of Jahiliyya".) Riba al-fadl, also riba al-sunna: excess accruing in a sale or barter transaction, i.e. riba involving the simultaneous exchange (not involving any deferred/delayed payment) of unequal quantities or qualities of a given commodity. Riba al-fadl and prohibition of it — according to Usmani — was developed by Muhammad (hence the name riba al-sunna), and so was not part of pre-Islamic jahiliya. Still another source (the Takaful Basic Exam preparation of Islamic Banking and Finance Institute Malaysia and Aznan Hasan), describes two types of riba each with two sub sets. (Its definition of Riba Nasi`ah seems different from others.): History Riba al-jahiliya John Esposito describes riba as a pre-Islamic practice in Arabia "that doubled a debt if the borrower defaulted and redoubled it if the borrower defaulted again". It was held responsible for enslaving some destitute Arab borrowers. Abdullah Saeed quotes the son of Zayd b. Aslam (died 136/754) on what the means by riba being "doubled and redoubled": “Riba in the pre-Islamic period consisted of the doubling and redoubling [of money or commodities], and in the age [of the cattle]. At maturity, the creditor would say to the debtor, ‘Will you pay me, or increase [the debt]’? If the debtor had anything, he would pay. Otherwise, the age of the cattle [to be repaid] would be increased ... If the debt was money or a commodity, the debt would be doubled to be paid in one year, and even then, if the debtor could not pay, it would be doubled again; one hundred in one year would become two hundred. If that was not paid, the debt would increase to four hundred. Each year the debt would be doubled.” Orthodox Islamic scholar and Islamic banking advocate Taqi Usmani disagrees. In describing "riba in the