To the Moslem, Islam is more than a religion to be practiced one day a week or in a few rituals; it is a detailed way of life. Behavior is comprehensively legislated for Moslems. Their major obligation is to know and follow the "five pillars" of Islamic law. The impact of religion on business is substantiated in research. Some attitudes based in religious belief and practice (such as lack of motivation toward a higher standard of living and attitudes toward innovation, change, investment, and the significance of time) are seen by outsiders as barriers to economic development. Bureaucracy is a chronic problem and a major constraint on development in some countries, such as Egypt. Egyptian laws and policies have only recently encouraged foreign investors, and the ambiguity and informality of the policies tend to make business agreements difficult and costly. Procedures for tendering bids are outdated, and three areas are particularly troublesome for foreigners: bidding, project size, and assuring necessary guarantees and payments. Currency and banking conventions can also be problematic. However, American investors who want to enter the market in Moslem countries can take specific actions and approaches to avoid or minimize some of these problems. (MSE)