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Since old times, searching the causes of <em>shariah</em> rulings in Islamic resources has been one of the common methods in <em>ijtihad</em> so they could be able to generalize the ruling from one topic to another. <em>Riba</em> has been one of the most important challenges in Islamic economy that has been taken into consideration especially in the recent century following the arrival of capitalism. One of the newest interpretations for solving this challenge in Islamic banking system is the theory of "assigning <em>riba</em> to returns on consumption loans". In fact, some Islamic scholars have separated production loans from consumption ones. They believe that getting interest in consumption loans is prohibited according to <em>shariah</em>, but in production loans it is allowed. They discuss and reason that getting interest in production loans doesn't lead to <em>dholm</em> and therefore, there is nothing wrong with it. But in consumption loans, getting interest involves <em>dholm</em> and is prohibited. <br />The result is that <em>dholm</em> cannot be the exclusive cause of prohibition of <em>riba</em> and the latter's banning doesn't depend on <em>dholm</em>. Thus, there isn't any difference between consumption and production loans as far as <em>riba</em> prohibition is concerned. <br />This research surveys the causality of <em>dholm</em> in prohibition of <em>riba</em> in production and consumption loans with descriptive-analytic methodology.