Islamic economics,  has a strong moral dimension inspired by its religious basis. The belief in man’s vicegerency on earth has important implications for economic behavior. In Islamic economics, a policy-oriented framework, normative values play a key role. Riba (interest) is forbidden in Islam. This guideline is both wise and economical sound. Money, instead, is understood in Islam as a store of value. The institution of zakat acts as a tax on hoarding, while encouraging productive savings. Zakat further carries important spiritual
benefits that foster Islamic moral values.