[Spaceships] Islamic Banking and Financing Spaceships Purchases

[vicky_molokh]

Greetings, all!

For cultural (rather than religious) reasons, a setting includes two major approaches to banking. Let's call them, for a lack of a better word, 'Usury-OK' and 'Usury-NO', with the latter resembling the real-world Islamic Banking (but actually has nothing to do with Islam, since the setting has totally different cultures and religions). In some regions, people are heavily inclined towards one approach or the other, and in some there may even be legal reasons why one or the other maintains little or no presence; in others, they coexist to cater to people with different priorities, fears, concerns etc. (Also, a side note: IRL Islamic Banking seems to still be in its infancy, barely a few decades old, while the setting in question is TL9ish and had its usury-no equivalent for a handful of TLs, letting it become more developed / bugs removed / etc.)

Now, of course all financial matters are very complex in real life, and usually simplified in games. Me reading a bunch of articles and discussions (which I did) is not enough to understand the intricacies of Islamic Banking IRL, and real-world understanding is recommended when trying to produce a playable simplification of a real thing.

So my question is to those who are 'at home' with real-world intricacies of banking, economics, accounting, finance etc.: what should be the game effects of choosing the latter approach over the former? What should be the game-mechanical differences in terms of financing and payment as depicted on SS2:27?

Thanks in advance!