Shares and Goodwill. You loan money for good well or share of an enterprise which comes with benefits and risks.

Loaning money as per Islamic Law is a charitable act, not one of exploitation.

That's not true. Islamic finance forbids indefinitely growing interest. Sharia finance agreements involve fixed fees or equity shares. Late penalties can be collected but must be donated, not profit. In all cases, the borrower never owes to the lender for the lender to keep more an a fixed amount determined at the strat.