News
November 4, 2020 — Two of the Islamic finance industry’s major institutions joined in partnership today. The Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI, pronounced “a-yo-fee"), the industry’s leading standard-setting body, and Ethica Institute of Islamic Finance, a leading training and certification institute, today announced a partnership. This will be the first time that AAOIFI is partnering with an organization with Ethica’s global reach.
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AAOIFI now officially recognizes Ethica’s award-winning Certified Islamic Finance Executive (CIFE) and Advanced CIFE (ACIFE) programs for continuing professional development (CPD) purposes. This will be the first time that the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI, pronounced “ai-yo-fee”), the world's leading standard-setting body in Islamic finance, partners with an organization with Ethica’s global reach.
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Professionals facing a post-COVID hiring environment may now find entrepreneurial options more attractive. Large companies everywhere are now reassessing their economic viability and finding that what worked to their advantage in the past, their size, works against them now.
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Abu Dhabi, UAE — August 13, 2020 — Abu Dhabi Islamic Bank (ADIB), one of the world’s largest Islamic financial institutions, today announced completing the certification of a new batch of bankers. The certification from Ethica Institute of Islamic Finance, an institute for Islamic finance training and certification, is the Certified Islamic Finance Executive (CIFE).
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Is Islamic banking a viable alternative to interest-based conventional banking? Is it really any different from conventional finance? Does it offer a better way forward?
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Islamic finance appeals to common sense: buy and sell real assets and services; sell only what you own; buy and sell only the ethical. These commercial truisms arouse no doubt in anyone except those intoxicated by the prospect of wealth at any cost.
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Atif discusses Ethica's move to the new domain https://ethica.institute from the old domain https://www.ethicainstitute.com and the following improvements to meet growing demand:
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He’s a good Muslim. He prays, he fasts, he pays zakat. He regularly performs voluntary acts of obedience. He’s a caring family man and a respected member of the community. By every outward measure, he appears to be leading the life of an exemplary Muslim.
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January 14, 2021 — Ethica Institute of Islamic Finance, the global training and certification institute, and iPORTAL, a new knowledge sharing portal for the Islamic economy, have entered into a partnerhship. Ethica provides iPORTAL with access to the award-winning CIFE and ACIFE programs as well as free resources for learning about Islamic finance.
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Is Islamic banking truly Islamic, or is it just cosmetically-enhanced conventional banking?
Islamic bankers, caught between scholar and layman, devote much of their time to educating an often skeptical public about the authenticity of their products. Time well spent. The purgative effects of ridding the Islamic nancial sector of pretenders (and there are many) at the hands of an educated consumer are obvious. Too often, however, this educational process is long on theory and short on practical relevance.
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Abu Dhabi Islamic Bank (ADIB), one of the world’s largest Islamic financial institutions, today announced hiring Ethica Institute of Islamic Finance, the leader in Islamic finance training and certification, to deliver its online Islamic finance training certificate, the Certified Islamic Finance Executive (CIFE) to its staff.
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December 24, 2019 — The United Nations Refugee Agency, UNHCR, and Ethica Institute of Islamic Finance, the global training and certification institute, have entered into a collaboration. Ethica will provide UNHCR with Shariah advisory services related to its Islamic philanthropy programmes. UNHCR’s mandate is to protect and assist refugees and forcibly displaced populations around the world.
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Ethica Institute of Islamic Finance moves to https://ethica.institute from https://www.ethicainstitute.com. The new streamlined domain meets growing demand with the following improvements:
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At Ethica, we believe that a world free of interest first begins with a world full of knowledge. That is why we opened up full scholarships to a select group of scholars for our award-winning Certified Islamic Finance Executive (CIFE™) program.
The following 10 winners were selected from over 200 applicants by Ethica’s Shariah Board and Management on the basis of their qualifications, demonstrated interest in engaging with their communities, and potential impact for positive change in the world after their CIFE certification.
Join us in congratulating our Winners, Runners Up, and Honorable Mentions (listed alphabetically by first name):
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DISCUSS PARTNERSHIPS, TRAINING, AND CERTIFICATION
ISTANBUL: 8th May — 11th May, 2019
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April 9, 2019: Ethica Institute of Islamic Finance, the global training and advisory institute, announced today that it has signed a partnership agreement with South African advisory and training firm Zahtaya Solutions. The partnership with Zahtaya extends Ethica’s reach across the African continent, now one of the world’s booming Islamic finance markets. The synergy between the two companies brings Ethica’s online training solutions together with Zahtaya’s local and regional penetration.
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Abu Dhabi, United Arab Emirates, April 2, 2019: Ethica Institute of Islamic Finance announced today
that an undisclosed Abu Dhabi bank hired the institute to train teams in Ethica's 4-month
online Certified Islamic Finance Executive (CIFE) program.
Since many of the bankers came from a conventional background, Ethica’s e-learning helped them
understand the practical aspects of Islamic finance.
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DISCUSS PARTNERSHIPS, TRAINING, AND CERTIFICATION
SOUTH AFRICA - Johannesburg and Durban: 17 Jan — 25 Jan, 2019
TANZANIA - Dar Es Salam: 26 Jan — 3 Feb, 2019
KENYA - Nairobi: 4 Feb — 10 Feb, 2019
OMAN - Muscat: 11 Feb — 12 Feb, 2019
QATAR - Doha: 13 Feb — 14 Feb, 2019
JORDAN - Amman: 19 Feb — 21 Feb, 2019
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Dubai, UAE, October 11, 2018: Ethica Institute of Islamic Finance in Dubai and First Community Bank (FCB) in Kenya announced today that a new batch of FCB bankers will be trained and certified by Ethica Institute in the award-winning Certified Islamic Finance Executive (CIFE) program. FCB is Kenya's first Shariah-based bank. First Community Bank began operations in 2008, the year after it was established by private investors in Kuwait, Kenya and Tanzania.
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Manama, Bahrain – Jul 17, 2018: The Accounting and Auditing Organisation for Islamic Financial Institutions (AAOIFI), a Bahrain-based standard-setting body for the Islamic financial industry, has welcomed the Central Bank of the UAE (CBUAE) adopting its standards. This follows a recommendation from the Higher Sharia Authority of CBUAE. [ read more.. ]
Dubai, UAE – Mar 20, 2018: Habib Bank Limited (HBL), Pakistan’s largest private bank, today announced the completion of a third batch of bankers trained and certified by Ethica Institute of Islamic Finance, the Dubai-based institute behind the award-winning Certified Islamic Finance Executive (CIFE) program. [ read more.. ]
Dubai, UAE – Nov 21, 2017: GPAS Istanbul was organized under the auspices of the Presidency of the Republic of Turkey by MUSİAD—the businessmen association with a presence in 181 locations across 68 different countries—and Participation Banks Association of Turkey in association with the Prime Ministry Undersecretariat of Treasury, Central Bank of the Republic of Turkey, Banking Regulation and Supervision Agency, the Republic of Turkey Capital Markets Board, Directorate of Religious Affairs and Higher Education Institution. The conference was held at Haliç Congress Center on November 16-17, 2017 in Istanbul and, speaking on behalf of Ethica’s Shariah Board, Mufti Ibrahim Esssa delivered a talk on the central importance of promoting human capital.
Dubai, UAE – Apr 11, 2017: Ethica announced today that 70 employees from Bank Alfalah, one of Pakistan’s leading Islamic banks, participated in Ethica's rigorous Certified Islamic Finance Executive program. Ethica Institute of Islamic Finance is the Dubai-based training and certification institute offering e-learning to individuals worldwide. [ read more.. ]
Dubai, UAE – Dec 20, 2016: Singapore-based Halal Universe partners with Ethica Institute of Islamic Finance to offer Islamic finance training and certification to professionals in Singapore. [ read more.. ]
Dubai, UAE – Oct 4, 2016: One of the industry's leading Islamic finance scholars, Mufti Ibrahim Essa, joins Ethica Institute of Islamic Finance in Dubai as a Shariah Advisor. He is involved with approving Ethica’s Islamic finance training and certification, advising clients, and guiding professionals interested in finding Islamic banking jobs. [ read more.. ]
Dubai, UAE – May 10, 2016: As Knowledge Partner at the Zurich conference, Ethica Institute of Islamic Finance joins banking leaders from around the world to discuss the way forward for Islamic finance. [ read more.. ]
Dubai, UAE – April 28, 2016: Why Did Ethica Institute of Islamic Finance in Dubai give away ninety percent of its content? [ read more.. ]
Dubai, UAE – April 04, 2016: Ethica Institute of Islamic Finance receives award for 'Best Online Islamic Finance Education Provider' [ read more.. ]
Dubai, UAE – March 15, 2016: Ethica Institute of Islamic Finance in Dubai launches the ACIFE in Financial Analysis and the ACIFE in Takaful. [ read more.. ]
Dubai, UAE – February 22, 2016: As Islamic banking gathers momentum in Pakistan, one leading bank partners with Dubai-based Ethica Institute of Islamic Finance for e-learning. [ read more.. ]
Dubai, UAE – January 10, 2016: Few CEOs of American banks enter the fray when it come to tests of financial acumen. Even fewer manage to win. But here is one CEO who not only won, but did so in an Islamic finance contest. [ read more.. ]
Dubai, UAE – September 8, 2015: Ethica partners with one of Malaysia’s leading academic institutions to deliver Islamic finance training and certification. [ read more.. ]
Dubai, UAE – May 26, 2015: Muslim business leaders from around the world meet in Kuala Lumpur as Ethica Institute of Islamic Finance from Dubai describes its online revenue model for academic institutions. [ read more.. ]
Dubai, UAE – March 12, 2015: Dubai’s Ethica Institute of Islamic Finance collaborates with Maisarah Islamic Banking Services in Oman to give Ethica’s CIFE graduates an opportunity to understand the functioning of an Islamic bank from inside the bank. [ read more.. ]
Dubai, UAE – February 11, 2015: Ethica Institute of Islamic Finance has been invited by the Government of Dubai to a trade mission to Indonesia and Thailand. [ read more.. ]
Dubai, UAE – December 24, 2014: Ethica Institute of Islamic Finance joins major business leaders at the Industry and University Partnership Forum 2014 to identify key levers for jumpstarting Dubai's Islamic Economy. [ read more.. ]
Dubai, UAE – December 9, 2014: Suleiman Sani Dalhatu from Nigeria scores the highest mark (93%) on the Certified Islamic Finance Executive (CIFE) examination to win Ethica's 2014 "Weekend in Dubai" competition. [ read more.. ]
Dubai, UAE – November 18, 2014: Ethica Institute of Islamic Finance wins awards for "Best Islamic Finance Training Institution MENA 2014" and "Best Islamic Online Finance Program MENA 2014" at the Global Banking and Finance Review in the UK. [ read more.. ]
Dubai, UAE – October 28, 2014: Ethica Institute's CIFE graduate uses knowledge of Islamic finance products to launch Alif Capital, Tajikistan's first Islamic microfinance institution. [ read more.. ]
Dubai, UAE – October 21, 2014: Ethica Institute has helped Maisarah Islamic Banking staff overcome the "knowledge barrier," say Maisarah senior management. Six months after signing onto Ethica's online certification program, Oman's Maisarah Islamic Banking Services increases the number of bankers trained online with Ethica Institute. [ read more.. ]
Dubai, UAE – September 30, 2014: Ethica Institute of Islamic Finance goes back fifteen years to a Supreme Court ruling to educate Islamic finance customers about what is and is not riba in the modern world in a recently launched newsletter. [ read more.. ]
Dubai, UAE – August 28, 2014: Rackspace, the global leader in IT hosting, features Ethica Institute of Islamic Finance in its Rackstories newsletter. [ read more.. ]
Dubai, UAE – June 19, 2014: A legal opinion from Ethica Institute Of Islamic Finance, one of the Islamic finance industry’s leading training and certification institutes sheds light on the problem of the Tawarruq retail product and how it is likely hurting the industry’s profitability. [ read more.. ]
Dubai, UAE – May 29, 2014: Ethica Institute of Islamic Finance speaks at Yurizk’s Business Leadership Coaching Event [ read more.. ]
Dubai, UAE – May 20, 2014:More MBA programs now offer Islamic finance than ever before. But MBA students are still turning to training institutes for practical knowledge. [ read more.. ]
Dubai, UAE – April 15, 2014: Ethica Institute of Islamic Finance in Dubai partners with eFinancial Careers, one of the world’s leading financial services careers website. [ read more.. ]
Dubai, UAE – March 25, 2014: BankDhofar’s Islamic banking window Maisarah Islamic Banking Services partners with Ethica Institute of Islamic Finance for training and certification. [ read more.. ]
Dubai, UAE – Feb 18, 2014: The world’s largest Islamic finance market gains potential with the partnership of Ethica Institute of Islamic Finance and the International Society for Trainers and Developers. [ read more.. ]
Dubai, UAE – Feb 4, 2014: What does the rise of the global Islamic economy mean for Islamic finance? Ethica comments. [ read more.. ]
Dubai, UAE – Jan 28, 2014: Ethica helps launch Islamic banking operations at one of the UAE’s largest banks. [ read more.. ]
Dubai, UAE – Jan 13, 2014: Thomson Reuters is proud to present the first State of the Global Islamic Economy Report 2013. [ read more.. ]
Dubai, UAE – Jan 7, 2014: We've been receiving a lot of questions from budding Islamic finance entrepreneurs lately. Here are some... [ read more.. ]
Dubai, UAE – Dec 18, 2013: Ethica Institute of Islamic Finance joins Dubai’s leaders to discuss how to transform the city into the Capital of the Islamic Economy within 3 years, the stated goal of His Highness Sheikh Mohammed bin Rashid Al Maktoum, PM of the UAE and Ruler of Dubai. [ read more.. ]
Dubai, UAE – Dec 10, 2013: Ethica Institute of Islamic Finance, the Dubai-based global leader in Islamic finance certification believes that the options in Islamic finance education are only as good as their adherence to third-party standards. [ read more.. ]
Dubai, UAE - Dec 3, 2013: Ethica receives award from His Highness Sheikh Mohammed bin Rashid Al Maktoum, Prime Minister of the UAE and Ruler of Dubai. [ read more.. ]
Dubai, UAE – Nov 19, 2013: "How do I learn about sukuks in-depth without attending a 3 day training workshop?" asks one banker. Read a book, might have been one response. But now, with short e-learning videos fast becoming the norm among corporate trainers, Islamic finance is ready to offer practical product training in accelerated, bite sized, 20 minute videos. [ read more.. ]
Dubai, UAE - October 22, 2013: Fahad Tariq from Toronto scored the highest mark (91%) on the Certified Islamic Finance Executive (CIFE) examination to win Ethica's "Weekend in Dubai" competition. [ read more.. ]
Dubai, UAE - September 25, 2013: The Asian Leadership Awards committee today announced that it awards Ethica Institute of Islamic Finance the “Education Leadership Award.” The Asian Leadership Awards are a non-profit body whose criteria for selecting Ethica ranged from general market perception to specific feedback from professionals and students from around the world. [ read more.. ]
Dubai, UAE - Sep 15, 2013: Abu Dhabi Islamic Bank, one of the world's largest Islamic financial institutions, today announced hiring Ethica Institute of Islamic Finance, the leader in Islamic finance training and certification, to deliver its online Islamic finance training certificate (CIFE) to its senior leaders and their deputies. [ read more.. ]
Dubai, UAE - August 18, 2013: Ethica Institute of Islamic Finance in Dubai, the certification and career advancement institute, announces the launch of an online master class series to teach AAOIFI's Islamic finance standards. The series is limited to only 30 seats. [ read more.. ]
Dubai, UAE - June 25, 2013: One of South Africa's leading Islamic finance scholars, Mufti Ismail Ebrahim Desai, joins Ethica Institute of Islamic Finance in Dubai as a Shariah Advisor. He is involved with approving Ethica's Islamic finance training and certification, advising clients, and guiding professionals interested in finding Islamic banking jobs. [ read more.. ]
Dubai, UAE - June 18, 2013: After working for many years in financial roles in international companies, I decided to take a break from the work and commute whirl to think of how I could impact my community in a more meaningful way. In Hong Kong, migrants come to this city from the Philippines, Indonesia, and Sri Lanka pushed by economic reasons and one goal: to offer their families a better future. But they take huge loans to pay for the trip and once here many of them see their dreams of a better life, a house back home, a small business, studies for their children or siblings - soon swallowed by debt, interest, and despair. [ read more.. ]
Dubai, UAE - June 4, 2013: Ethica Institute of Islamic Finance in Dubai gives graduates of its award-winning Certified Islamic Finance Executive Program (CIFE) a shot at an all expenses paid trip to Dubai, meetings with Islamic finance scholars, bankers, and experts, and one-on-one coaching and referrals to jobs around the world. [ read more.. ]
Dubai, UAE - May 22, 2013: The Islamic finance industry has unique IT requirements that require technology professionals to have some understanding of the processes around which Islamic finance products are based. Pennant Technologies, the financial IT specialist, today announced that it has signed on Ethica Institute of Islamic Finance in Dubai to train and certify its professionals in the core Islamic banking products. [ read more.. ]
Dubai, UAE - May 7, 2013: Dr. Mohamed Mahmoud, Executive Director at MILE, said, "We are very excited to partner with Ethica. They bring an unparalleled combination of global reach, executive excellence, and authentic standardization that makes them the obvious choice as MILE's Knowledge Partner. [ read more.. ]
Dubai, UAE - April 3, 2013: A few years ago, I had somewhat of an internal crisis. Life was going well, I was earning a good salary, had a stable family life, and was in good health. However, having spent some time with the scholars of Islam, I started to question the ethics of the banking industry I was working in. My predicament was further fuelled by the ensuing credit crisis and the unraveling of the financial markets, previously understood to be sound and stable. It was at this time that I started to look into Islamic finance and reading about its aims and objectives. [ read more.. ]
Dubai, UAE - April 3, 2013: With hiring at an all time low, and an overall sense that banks are not the place where the bigger problems of humanity get solved, a new kind of professional is quietly emerging: the Islamic finance entrepreneur. [ read more.. ]
Dubai, UAE - March 19, 2013: Ethica in Dubai is betting that people want real, live introductions and real, live conversations with other professionals. The Islamic finance certifier attracts more professionals than any other Islamic finance institute in the world and now sees benefit in going, as they put it, "beyond certification." The idea is to introduce professionals to other professionals who are either Ethica alumni or part of Ethica's contact network. [ read more.. ]
Dubai, UAE - March 5, 2013: Renewed focus on interest-free finance sees one of the world's banking giants hire Ethica to deliver Islamic finance e-learning to thousands of its bankers. [ read more.. ]
Dubai, UAE - Feb 19, 2013: Since starting a decade ago with a simple $100 loan, Akhuwat has dispersed $30 million to over 1 million people - completely free of interest. Ethica sat down with the inspiring Dr. Muhammad Amjad Saqib to learn more about his amazing story. The success of Akhuwat offers hope to a new generation of budding Islamic finance entrepreneurs seeking to replicate their microfinance model. [ read more.. ]
Dubai, UAE - Feb 5, 2013: Morocco is turning out to be one of the most exciting markets to watch in Islamic banking. With more than half the population already using banks or willing to switch to an Islamic option, and with 94% recently surveyed "in support" of Islamic banking, Morocco's Islamic banking sector is set to take off. To serve this growth market, Ethica Institute of Islamic Finance in Dubai has just signed an exclusivity agreement with Alar Conseil. [ read more.. ]
Dubai, UAE - Jan 15, 2013: It started off with an ATM machine. Nigerians were finding out about Ethica's Islamic finance training and certification on bank teller machines in urban centers around Nigeria, completely unbeknownst to the Dubai-based institute. When Ethica learned about the free advertising, they were pleasantly surprised and more than a little encouraged by the dynamism and excitement of those trying to bring Islamic finance to Nigeria. [ read more.. ]
Dubai, UAE - Dec 10, 2012: The world's most heavily-enrolled Islamic finance certifier today launched their much-awaited accounting certificate. Ethica Institute of Islamic Finance opens the doors to the ACIFE in Accounting, the first 100% online, AAOIFI-compliant accounting certificate in Islamic finance. The 4-month, 100% online Advanced Certified Islamic Finance Executive in Accounting covers all the major accounting concepts in 9 convenient modules. Students also access recordings of live sessions with an accounting expert who personally audited over 1,000 Islamic finance transactions. [ read more.. ]
Dubai, UAE - Nov 13, 2012: The Islamic finance industry's leading certification institute, Ethica, today launched what may soon become the desktop reference of choice for the Islamic finance professional: a 700 page e-book packed with practical, usable information. Everything from sample Islamic finance contracts, over 1,000+ scholar-approved Q&As, the entire "Meezan Bank Guide to Islamic Banking," study notes to Ethica's award-winning Certified Islamic Finance Executive (CIFE) program, and much more. All organized with an easy-to-use subject index at the end. [ read more.. ]
Dubai, UAE - Oct 8, 2012: These top performing SMEs have been shortlisted out of hundreds of entrants in the first Gulf Capital SMEinfo Awards, a recognition programme that seeks to honour the top performing enterprises. [ read more.. ]
Dubai, UAE - July 23, 2012: Once the reserve of expensive training events, Islamic finance education is now about to become accessible to the common man. Ethica announced today that it is making the study notes for its award-winning Certified Islamic Finance Executive (CIFE) program freely available to the public as an e-book. [ read more.. ]
Dubai, UAE - July 2, 2012: AAOIFI Board Member Shaykh Yusuf Talal DeLorenzo, one of the world's leading Islamic finance scholars, endorsed Ethica Institute of Islamic Finance. Ethica is the most heavily enrolled Islamic finance training and certification institute in the world with over 20,000 paying users in 44 countries. Shaykh Yusuf joins Mufti Zubair Usmani and Sheikh Ashraf Muneeb, both leading scholars, in acting as an advisor to Ethica. This announcement further highlights the Islamic finance industry's move towards greater standardization. [ read more.. ]
Dubai, UAE - June 11, 2012: It takes 7 hours to fly from Dubai to Kuala Lumpur; 6 more to Sydney. And then there's the trip back. Throw in airports, jet lag, and delays, and it is no wonder that a short business trip to South East Asia from most parts of the world feels like it takes a week. In a world of Skype and streamed video, air travel just does not have the same appeal anymore. As a result, while 90% of the countries offering Islamic finance now follow one set of standards, namely AAOIFI's, South East Asia has been left behind with its own set of standards. This is about to change. [ read more.. ]
Dubai, UAE - May 7, 2012: With three times the population of all the Gulf countries combined, Bangladesh is the sleeping giant of the Islamic finance world. A burgeoning urban middle class, an active microfinance sector, and strong support from regulators gives Islamic finance an historic opportunity to shine in this country. And with only an estimated 14,000 bankers currently serving the Islamic finance sector, the demand for a locally-available, globally-recognized certification is now at its highest. [ read more.. ]
Dubai, UAE - March 6, 2012: How do you bring training in interest-free finance to a vast continent historically crippled by interest-based lending? Ethica Institute of Dubai may have solved the problem. What makes Ethica quite different from other training institutes is its readiness to go on the ground in Africa. Ethica has licensed resellers in North Africa and West Africa and has delivered face-to-face sessions to African bankers in both Africa and the Middle East. [ read more.. ]
DUBAI, UAE - December 19, 2011: Awards were presented at the Oman Islamic Economic Forum bringing together leaders from around the globe, including keynote speaker Tun Abdullah Badawi, former Prime Minister of Malaysia. Global Islamic Finance Award's Humayon Dar said, "Ethica stands out as the clear favorite for the award of 'Best Islamic Finance Qualification' because only Ethica combines a globally recognized qualification with e-learning technology designed to train thousands of bankers and students in just months." [ read more.. ]
DUBAI, UAE - November 12, 2011: With users from 43 countries and over 100 banks and universities, in 2011 Ethica became the default choice for accredited training and certification in Islamic finance. In a tight job market, more bankers and students now choose Ethica to boost their credentials than any other Islamic finance program in the world. That's the latest finding as 2011 enrollment figures roll in and catapult the Dubai-based institute ahead of older institutions like INCEIF, CIMA, BIBF, and IIBI. [ read more.. ]
DUBAI, UAE - October 3, 2011: The Government of Dubai today announced that it is partnering with e-learning and certification specialist Ethica Institute of Islamic Finance. Ethica is the leading Islamic finance training institute in the world, with over 20,000 paid users in more than 40 countries and 100 institutions in 2011, more than any other Islamic finance institute in the industry. The announcement further strengthens Dubai's position as the world's premier Islamic finance hub, and with Ethica's leadership in online training, Dubai goes truly global. [ read more.. ]
Dubai, UAE - July 18, 2011: What does it take to bring 7 million American Muslims Islamic finance? Maybe training only 100 prominent religious leaders as a small first step. That is what the founding members of the American Islamic Finance (AIF) Project have now successfully accomplished. Jointly founded by Ethica Institute of Islamic Finance, Guidance Financial, and the Islamic Society of North America, the AIF Project seeks to pro
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