Growth is the most basic phenomenon that we encounter in all areas of life in the capitalist model. Because the model based on supply has indexed its sustainability to growth. In order to spread and sustain the capitalist codes of the system, societies are also organized with the motivation of growth and with rational or irrational codes according to the period. But this ideal, which the masses and societies are dragged after, is a cheap fiction and illusion. Because capitalism is a model of withholding. Growth is only the growth of the capitalist, and its benefits are denied to others. The treatise of utility reconsiders the theory of utility from the perspective of Islamic economics with its concrete (material) and intangible (spiritual) aspects. On the basis of production-consumption indivisibility, the author proposes a solution to the problem of the distribution of the produced income of capitalism with the principle of effort. The work, Hâce Yûsuf b. With the imagination that Ayyub al-Hamedânf placed on the theory of Rötbetü'l Hayat, he explains the economic structure of the utility dimensions ignored by capitalism with mathematical relations. While discussing the philosophical background that feeds the utility theory in the work, the details of the common set of fitra are examined. At the same time, while the financial intermediation paradigm is being questioned, determinations on the collective role of Islamic economic institutions are included.