Arabic (ليّ) for the act of delaying repayment/payment of due debts (duyun) on maturity. Such a delay/procrastination may be the result of inability to pay (force majeure preventing performance) by an insolvent debtor or willful abstention by a solvent debtor. Layy by a solvent debtor is forbidden by shari’a and is considered zhulm (oppression/injustice).