Islamic law considers money to have no intrinsic value. Money is a measure of value only, and not valuable in itself; it is a medium of exchange or a unit of measurement, but not an asset. Money must therefore be converted into a commodity in order to be useful. In Islamic finance, you cannot use money to make more money, and there must be an underlying asset or production of some sort to produce a profit. Investments must therefore be based on assets. Read more here.