Dr. Monzer Kahf, a prominent economist and counsellor, stated: “This structure of commission is not acceptable in Shari`ah. While you may be given a commission, with full transparency to all concerned, for a customer you bring, there is no justification for commissions on further customers brought by persons down the line. This chain system in matters that depends on personal effort has no justification as earning. You cannot earn by such a method from the efforts of other persons.