At Ethica Institute of Islamic Finance we believe that many of the world's problems could be solved by providing alternatives to interest-based banking. If governments, companies, and individuals could focus on something other than repaying mounting debts, the world would be a much better place. We also believe that the industry urgently needs to 1) comprehensively train the many people now entering Islamic finance in AAOIFI standards, the de facto standard in over 90% of the world's jurisdictions; 2) create Shariah-based solutions for a broader set of clients, including the poor, not just Sharia-compliant solutions for institutions and the wealthy; and 3) address the very real problem of social and environmental degradation at the hands of fractional debt reserve banking.