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 * CURRICULUM
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Testimonials


DO YOU NEED ETHICA'S CERTIFICATE? WE'LL LET SOMEONE ELSE ANSWER THAT QUESTION...

 * About Ethica
 * Manifesto
 * Company
 * Management
 * Testimonials
 * Download Brochure
 * Training and Certification Capabilities (PDF)
 * Best of Weekly Mailshots
 * Press Releases
 * Become an Ethica Affiliate or Reseller
 * Contribute to the ‘Train-a-Scholar’ Program
 * User Safety Guidelines
 * Contact Us

Ahsan Shah, USA (English)



Sophie Paine, USA (French)



Abdul Waheed Ibrahim, Nigeria (Hausa)



Busari Shaamsuddeen Akande, Nigeria (English)



Azeez Adewale Mahmun, Nigeria (Yoruba)



Badr Al Badran, Saudi Arabia (Arabic)



Mufti Yousuf Sultan, Bangladesh (Bengali)



Fazrihan Duriat, Singapore (Malay)



Fredrik Lundström, Finland (Swedish)



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"I have taken many training programs throughout my career, but this was by far
the most educational, engaging, and enjoyable!"

Najeem TC
Analyst, ADCB, UAE

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"Ethica’s CIFE has already opened doors for me…"

Boyd Ruff
CIFE Graduate, Esq., USA

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"I have completed Ethica's CIFE™ and Advanced CIFE™ programs and they are simply
outstanding. The illustrations are clear and their methodology is unbeatable.
You enjoy them so much that you don't want to take a break and they truly take
you from novice to a professional level within the shortest possible time. If
Ethica was a classroom, there will be no truancy."

Muhammad Adamu
Relationship Manager,First Bank of Nigeria Plc, Nigeria

--------------------------------------------------------------------------------

"With the motto of 'the way forward,' we at Bank Alfalah are strong believers of
human capital development to breed the finest class of professionals in the
arena of Islamic Banking and Finance. As we continue to create and promote an
innovative learning culture with customer centricity in our all branded learning
offerings, the collaboration with such Islamic finance and training leaders as
Ethica will help us develop seasoned Islamic bankers who are trained to
transform the entire industry."

Ahmed Nauman Anees
Head of Learning and Development, Bank Alfalah Limited – Islamic Banking Group,
Pakistan

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"Ethica's tutorials are an absolute game changer. Through excellent examples
they explain how Islamic banking gets done inside an Islamic bank."

Waqas Zafar
Senior Associate, KPMG Advisory, UAE

--------------------------------------------------------------------------------

"Least than I expected, my journey to Islamic Finance was a bit difficult
because of the new terminologies and with such a broad concept. Being a CIFE
gives me now a boost on my career advancement, and I would surely recommend to
get into this course, my friends and colleagues be enrolled with Ethica
Institute, in order to have a better understanding of the Islamic Finance, and
of course be certified."

Drocilda Digao Mendoza
Customer Service Associate, Abu Dhabi Commercial Bank, UAE

--------------------------------------------------------------------------------

"The course definitely has a great presentation of the of the subject,
facilitated in an excellent manner. I have taken many online courses but
Ethica's was different. I thoroughly enjoyed learning throughout the course. The
course through its small modules and quizzes never feels tough but ends up
imparting excellent knowledge and understanding of Islamic banking plus a
designation. Highly recommended for aspiring and current banking and finance
executives."

Shikhar Deep
Relationship Officer, Abu Dhabi Commercial Bank, UAE

--------------------------------------------------------------------------------

"I chose Ethica’s CIFE certification as it has an excellent reputation in the
market and now I understand why. All the different modules cover the most
important types of contracts from both a theoretical as well as a practical
perspective and are complemented by a lot of clear examples. Finally the
self-paced training permits excellent time management. I recommend the CIFE from
Ethica Institute to everybody seriously interested in learning about Islamic
finance."

Daniel Rasqui
Director Product Support and IT, SIX Financial Information, Luxembourg

--------------------------------------------------------------------------------

"Ethica's program exceeded my expectations. Ethica's CIFE excelled at offering
real world examples and timely tactical instruction in a user-friendly format. I
enthusiastically recommend Ethica's program to anyone who seeks to develop an
appreciation for and understanding of Shariah-compliant financing."

William R. Gregory
Director, C3 International

--------------------------------------------------------------------------------

"With over 12 years of experience as a Finance Analyst, Business Manager,
Corporate Finance specialist, and Financial Modeler across the Middle East
region, I have realized that debt, its structuring, and its servicing has always
placed a heavy burden not only on organizations and corporations but on
individual loan-takers as well. As such, I was looking for alternatives to
interest-based financing from a professional point of view as well as a personal
point of view. To that end, Ethica with its "CIFE" and "ACIFE" certificates
proved to be invaluable in providing succinct, clear, understandable, and easily
accessible information. I studied and passed the "CIFE" certificate via the
on-line course and was impressed with all aspects of the on-line training as
well as the back-office team at Ethica."

Akram Farra
Business Finance Manager, Lebanon

--------------------------------------------------------------------------------

"The course is brilliant."

Faraz Adam
Mufti, United Kingdom

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"I chose to pursue Ethica Institute's Certificate in Islamic Finance Executive
(CIFE) program because I was interested to understand how Islamic Finance differ
from conventional finance. I am a final-year MBA candidate with specialization
in Finance at the University of Massachusetts (Amherst). Upon completion of my
MBA, I hope to seek professional opportunities in the Islamic Finance industry
where I can earn a living that aligns with my values and beliefs as a Muslim.
Personally, I also plan to use the knowledge I gained from Ethica's CIFE to
ensure that my own personal finance (i.e. savings, investments, property
management) is conducted in Islamic-ally permissible ways. It took me roughly a
month to complete the CIFE program. The content was comprehensive yet
accessible. The self-assessment quizzes were helpful in preparing myself for the
final exam. I thought the final exam was challenging and fair. I am very
satisfied with the online program; I particularly appreciated its flexibility
and the fact that I could complete it during my winter break in between
semesters!"

Natasha Haqim
MBA Candidate, Isenberg School of Management, University of Massachusetts –
Amherst, USA/span>

--------------------------------------------------------------------------------

"I have to say that completing my Ethica certificate gave me an amazing
perspective of Islamic finance and the interaction online was brilliant, the
videos, etc. It is highly recommended, I could go as far as to say that I
enjoyed the feeling of something new as much as the first year I was in the
University in London."

Pascal Hagge
Corporate & Business Development Manager, Societe Generale, Cyprus

--------------------------------------------------------------------------------

"I recommend Ethica to all those who need to know Islamic banking. It is simple
but deep, it is affordable, it is practical type of courses which a banker faces
daily in his operation affairs, and I don’t know how to explain. It is awesome.
I like it!"

Nejib Aliyi Ahmed
Marketing Expert, Islamic Banking Department, Cooperative Bank Of Oromia S.C.,
Ethiopia

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"I have recently completed Ethica's CIFE program and can say that it is simply
outstanding. It saves number of papers to print long articles, it is fun to use
this technique rather only textbook in a traditional class and the illustrations
used in the modules are easy to understand. It is too good & easy for the
students having no background of banking & finance. My organization, the Bank
Alfalah Limited gave me opportunity to enroll in CIFE program."

Aamer Saeed
Unit Head Internal Control, Bank Alfalah Limited – Islamic Banking Group,
Pakistan

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"I am currently the leader for the Islamic Banking Solution Consulting Practice
at Finacle, Infosys Ltd. I am required to interact with senior management teams
of various Islamic banks in the region for our implementation activities. The
knowledge gained through Ethica’s CIFE certification certainly helps me to
conduct client engagement with improved confidence and ease."

K Sridhara
Principal Consultant, Infosys Ltd, India

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"I must admit that the course is a very nice effort and is the evidence of hard
work and efforts your team put together to develop this Sui Generis course. With
a structured approach, it provides the participants an opportunity to gradually
progress from basics to complex structures and products. I would recommend this
course to all those who really want to understand what Islamic finance is all
about."

Kamran Sherwani
Islamic Banking Division, Abu Dhabi Commercial Bank, UAE

--------------------------------------------------------------------------------

"Ethica CIFE program is simply the best e-learning I've ever had. Simple and
straight to the point. I highly recommend it to everyone who is serious about
getting a sound knowledge of Islamic finance concept and practices."

Mohammed Bouchedor
Head of Islamic Finance & Derivatives Dept., MCMA, Morocco

--------------------------------------------------------------------------------

"I discovered Ethica's CIFE while performing an assignment in Africa and needed
technical information on financing solutions and specifically on Diminishing
Musharakah. The wonderfully animated slides in the high-quality modules made it
very easy to understand the mechanics of DM and provided the core elements
within 22 minutes. Furthermore, there was the Handbook which provided further
technical details and all this was neatly wrapped up by the self-assessment
quiz."

Mohammed Veqar Shamim Ashraf Khan
Chartered Accountant, Mauritius

--------------------------------------------------------------------------------

"Ethica's CIFE™ program is very informative, insightful and well structured. It
teaches a very sophisticated and complex subject in a very simple, organized and
effective manner. It combines both theoretical and practical approaches and
provides inside information on the real Islamic finance world. I highly
recommend this program to anyone who wants to secure a career in Islamic
finance."

Tarek Gadallah
Partner, Ibrachy Law Firm, Egypt

--------------------------------------------------------------------------------

"I spend most of career working with finance and banking operations. CIFE help
me understand the structures and requirement of various islamic banking
products. I will recommend the course for anyone interested in Islamic Finance."

Ebrima B Sawaneh
Senior Associate, Finance Division, Africa Finance Corporation, Nigeria

--------------------------------------------------------------------------------

"If you are seeking a solid, Shariah-grounded Islamic finance training program,
I would unhesitatingly recommend Ethica Institute of Islamic Finance over anyone
else."

Faraz Rabbani
Researcher and Expert in Islamic Law, StraightWay Ethical Advisory
(www.StraightWayEthical.com)

--------------------------------------------------------------------------------

"We upgraded to twice as many users after only 6 months with Ethica. We foresee
unlimited opportunities for learning and growth with Ethica. Their e-learning
solution combines the three things that we were looking for: scalability,
quality, and industry Shariah standards. Ethica provided us with the flexibility
to train as many or as few bankers as we wanted throughout the year."

Moinuddin Malim
CEO, Mashreq Al Islami, UAE

--------------------------------------------------------------------------------

"In the current environment, a clear, comprehensive and trustworthy resource on
Islamic finance is priceless. Ethica Institute of Islamic Finance sets a high
benchmark indeed. In an era characterized by moral confusion, it is also
reassuring to know that there remain entrepreneurs aiming for a higher purpose.
I sincerely hope that more people discover and use this resource in the future."

Renaud H. Samyn
Vice President, Capital Research Company, Hong Kong

--------------------------------------------------------------------------------

"I have completed two certifications at Ethica: CIFE and Advanced CIFE in
Accounting. I have found the modules to be perfect for everyone, from a beginner
student in Islamic Finance to practitioners in Banking, Insurance, Accounting,
Investment or Fund Management, etc. The modules are designed in such a way that
you understand the very complex art and science of Islamic Finance and
accounting through theories, case studies and practical tools. I couldn’t say
more about the courses than certifying In Ethica you would get 100% of what have
been advertised/ promised in their brochures. Besides, what distinguishes Ethica
from similar other initiation is that the management and support team are very
flexible, caring and responsive. I am definitely going for my third
Certification at Ethica!"

Mesfin Bezu Yimam
Director, Interest Free Banking Department, Dashen Bank S.C., Ethiopia

--------------------------------------------------------------------------------

"Ethica's innovative methodology brings Islamic finance training right to your
personal computer. Thank you for your commitment to educating practitioners in
Islam's best kept secret and the solution to today's financial woes."

Mahmoud Qutub
Senior Advisor, Supreme Committee for Delivery & Legacy, Qatar

--------------------------------------------------------------------------------

"I thoroughly enjoyed studying with Ethica Institute. The course outline is well
thought out and the material is easy to digest and practical. Once I started the
course, I just wanted to keep going. My main motivation for studying Islamic
finance is that as a product manager in Islamic banking, this certification will
go a long way in giving me practical experiences needed for my day-to-day tasks
as well as provide me with an excellent opportunity to enrich my career."

Caroline Kahungu
Product Manager, Islamic Banking, Equity Bank, Kenya

--------------------------------------------------------------------------------

"Ethica's CIFE program was an amazing experience. It was my first 100% online
course. I loved how learning was made convenient and flexible while still
maintaining high standards in content ,as the knowledge gained from Ethica's
modules has given me a totally new perspective on finance. Moving forward, it
will be easy for me to understand the differences."

Deena Nabil Ahmed
Privilege Customer Relationship Officer, Abu Dhabi Commercial Bank, UAE

--------------------------------------------------------------------------------

"Ethica's CIFE™ program is very user friendly, informative & well structured. It
teaches a very sophisticated and complex subject in a very simple, organized and
effective manner. It combines both theoretical and practical approaches and
provides inside information on the real Islamic finance world. I strongly
recommend this program to all who are related to Islamic banking or who wants to
secure a career in Islamic Banking."

Sarfraz Ahmed
Head Islamic Credit Risk, Bank Alfalah Limited – Islamic Banking Group, Pakistan

--------------------------------------------------------------------------------

"Ethica Institute is an exceptional platform to spread knowledge of Islamic
finance to practicing finance professionals. The knowledge obtained through the
courses will enable working professionals to transition from conventional to
Islamic finance. Such efforts add more value to business transactions. The
sincerity of Ethica’s intention to share this knowledge is commendable."

Wan Fara Ayu
Principal Consultant, Alpha One Ventures, Malaysia

--------------------------------------------------------------------------------

"I took Ethica's training and certification program a few years back and found
the course to be oustanding. To be able to learn at my pace - anytime, anywhere
has proven to be the best training delivery mechanism for me. Even though it has
been a while since I graduated with Ethica's CIFE™ I keep in touch with the
management team on a regular basis for charitable projects that I engage in and
I find them very approachable, credible and helpful."

Ahmed Ali Khan
Project Manager / BA Wealth Advisory, Barclays, UK

--------------------------------------------------------------------------------

"Ethica is by far my favourite institute. The knowledge Ethica's CIFE gave me
helped my understanding of the smallest of concepts pertaining to Islamic
finance."

Anjum Kothivle
Law Student, Mumbai, India

--------------------------------------------------------------------------------

"This is a timely and much needed development in the industry. Qualified human
capital is the most critical need for the industry to maintain its growth
trajectory across geographies. Such solutions will go a long way in providing
systematic tools for practitioners."

Afaq Khan
CEO, Standard Chartered - Saadiq, Dubai

--------------------------------------------------------------------------------

"I spent the last 10 years working in different areas of Risk Management but I
always felt that modern finance is inherently risky or risky by design. So, I
turned to Islamic finance to answer one major question: How can we design a
financial system based on risk sharing and risk reduction. I found the answers
in the Ethica's outstanding CIFE material. I recommend Ethica Institute of
Islamic Finance to anyone seeking an understanding of an equitable approach to
finance."

Ahmed Tanane
Vice President-Risk Management, Wells Fargo, USA

--------------------------------------------------------------------------------

"Ethica's CIFE was the first course I have taken completely online and I loved
it!"

Marwa El Messidi
Economic Development Professional, Richmond, USA

--------------------------------------------------------------------------------

"The training videos are very helpful to understand both basic and critical
concepts of Islamic banking in a simple manner. I will surely recommend this
course to anyone who is interested in gaining knowledge or to build a career in
Islamic finance."

SSHV Prasada
Business Analysis and Solution Architecture, First Gulf Bank, UAE

--------------------------------------------------------------------------------

"I already had advanced Islamic banking knowledge but I was looking for a
certification that would add a global perspective to my existing knowledge and
Ethica's CIFE has done just that. I am confident that after gaining the
Certified Islamic Finance Executive (CIFE), my career will take a global route.
The course is equally beneficial for both laymen and advanced practitioners."

Rehan Nagi
Vice President/Cluster Head Branch Banking, Burj Bank LTD, Pakistan

--------------------------------------------------------------------------------

"Ethica really delivers on its promise. Although I can in all honesty not judge
on the instructor's knowledge or on Shariah authenticity of the course (because
that would imply that I had greater knowledge than my instructor) I can
wholeheartedly confirm that the course content is very structured, clear as
crystal, and its presentation is of a high didactic quality. I would certainly
recommend CIFE™ to anyone seeking a good understanding of Islamic finance."

Johan Serré
Chief Internal Auditor Insurance at KBC Bank, Belgium

--------------------------------------------------------------------------------

"With Ethica we are able to impart the basic understanding of Islamic banking to
our bankers in just 4 months with a certification examination to prove their
learning. Ethica now makes my job easy: weekly reports, quiz and exam scores,
and 24/7 tracking. All at my desk."

Sameera Khan
Learning and Development Consultant, Mashreq Bank, UAE

--------------------------------------------------------------------------------

"My firm wanted me to get a certification in finance; I was interested in
Islamic finance. I did some research on Islamic finance certifications and found
Ethica’s 4 month CIFE. The first free lecture “Why Islamic Finance?” impressed
me a great deal and explained well the differing concepts of Islamic and
conventional finance. This is when I decided to go for this certificate. The
CIFE course has been an excellent experience and has given me practical
knowledge through examples and case studies. The best thing about the CIFE is
that it is so well-structured and clear that all people with or without prior
Islamic banking learning can benefit from it. I am very happy I chose Ethica’s
CIFE. Now I plan to move from a career in auditing to a career in Islamic
banking."

Mohammad Salman
Business Analyst, Kuwait

--------------------------------------------------------------------------------

"Considering the rapid growth of Islamic finance, it was surprising to see a
relative dearth of online resources - especially for training. Ethica Institute
of Islamic Finance now fills that void. Their innovative and interactive
training methods will contribute towards the development of Islamic finance and
will ensure that people in positions of responsibility are suitably qualified
and trained by recognized experts."

Haris Zuberi
Senior Associate, KPMG, KSA

--------------------------------------------------------------------------------

"I handle large corporate relationships for the bank, which requires me to sell
and manage Islamic banking products. The CIFE modules covered all the essential
products, the mechanism and the philosophy behind each of these products in a
concise and comprehensive manner. The modules are designed thoughtfully with
real world examples that make every topic relatable, they covered all the
concepts and variations of the products without being overwhelming. If I were to
use an analogy the modules were “bite sized,” helping me digest the information
very well. I strongly recommend this certification."

Neelabh Jha
Senior Relationship Manager Corporate, Wholesale Banking Group, Abu Dhabi
Commercial Bank, UAE

--------------------------------------------------------------------------------

"A good learning experience. The course was very interesting and easy to
understand."

Fahad Mateen
Manager, Islamic Liabilities and Cards, RAK Bank

--------------------------------------------------------------------------------

"What a nice learning experience. I have done many e-learning programs before,
but Ethica's course has been clear, to-the-point and most importantly logical:
it's building blocks fit together well. The narrative is good and the
interactive bits within the videos make the study more engaging and make the
material stick. Ethica's content is not expected to make you a Shariah scholar
(i.e. the highest authority) but will give you a deep understanding of Islamic
banking, confidence in the main products, and broad understanding of many
principles. You will be able to discern whether a product is Shariah-compliant
or not."

Tamas Molontay
Senior Country Officer, Credit Agricole Corporate and Investment Bank, Hungary

--------------------------------------------------------------------------------

"I found Ethica’s CIFE course to be very interesting, informative, relevant, and
easy to access and understand. The international recognition carried by the
course is also an excellent benefit. I consider it a must for anybody seeking to
be a professional in Islamic finance."

Muzzammil Dhedhy
CEO, Hejaz Financial Services, Australia

--------------------------------------------------------------------------------

"Whether you are looking for a formal qualification or an advanced introduction
to Islamic finance, Ethica’s CIFE was a great experience for me as my
circumstances required a flexible study mode where I could manage and run at my
own pace. The depth of material combined with clear delivery and support kept me
engaged throughout the course. The CIFE has definitely added to my scope of
Islamic product knowledge and associated risks as a product specialist in the
global markets field. I hope to apply some of these principles during my product
development workshops."

Aydin Doruk
Product Specialist – Global Markets, Australia and New Zealand Banking Group
Limited, New Zealand

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"I was part of the product development team handling Finacle’s Islamic banking
solutions for the last 3 years. As part of the implementation team in the Middle
East, I felt that a certification from a reputed institute will help in winning
the client’s confidence when we propose Islamic banking solutions. Hence I chose
the CIFE from Ethica. My experience with Ethica has been enriching as the course
helped me in enhancing my Islamic banking skills."

P Gopinath
Consultant, Infosys, India

--------------------------------------------------------------------------------

"I decided to enroll in Ethica’s CIFE program due to its balanced curriculum,
well-structured high quality modules and of course its international reputation.
Ethica’s CIFE program allowed me to obtain a deeper understanding of Islamic
finance products and how they are utilized at financial institutions"

Mohammad Bashar
Segmentation Head, Alinma Bank, Saudi Arabia

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"I decided to take up the Islamic finance course with Ethica after researching
many other online offerings and I am glad I made the decision. As a busy
professional, the course was systematic and very easy to follow. I had earlier
trepidations about not being able to fully decipher the Arabic terms but through
the course's constant repetition, I can easily now tell the difference if
someone fully understands Islamic finance or if he is just trying to "wing it."
I look forward to the quizzes and tests at the end of each main topic as it
gives me a gauge of my comprehension. These quizzes can also be retaken and
reviewed at your own pace. Overall, I had the most positive experience as I was
also able to engage in a conversation with the Ethica team members. Yes, there
are real people behind the online course! If you are thinking of catching the
next big wave in Islamic finance, Ethica Institute is certainly the place for
you to start."

Anisa Hassan
Executive Director, Stellar Consulting Group, Singapore

--------------------------------------------------------------------------------

"The CIFE explains Islamic banking in an easily understandable and at the same
time very comprehensive manner. At the end of the course I feel God has blessed
me with this essential knowledge to help me move forward in the world and help
address the challenges it has succumbed to as a result of socio-economic
disparities. Definitely, Ethica has done a great job."

BSM Sirajudeen
Forex Operations Head, Axis Bank Limited, India

--------------------------------------------------------------------------------

"Ethica Institute provides one of the best on-line education where students can
study at their convenience without any barriers. The replay option makes the
study so easy while important points are jotted. With the experience gained from
the CIFE program, I am more confident to study further and become an expert in
the field of Islamic banking and finance."

Kazeem Ige
Zonal Head, Non-Interest Banking, Stanbic IBTC Bank Plc, Nigeria

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"I got an understanding of Islamic banking and its products thanks to the CIFE
program, which I needed to help develop the Islamic banking sector in Turkey."

Ibrahim Gultekin
Banking Regulation and Supervision Agency, Turkey

--------------------------------------------------------------------------------

"Rapid e-learning is the wave of the future. Ethica's e-learning brings engaging
content and appealing design."

Yuvakumar Ramchander
Head, Mashreq Learning Systems, Mashreq Bank, UAE

--------------------------------------------------------------------------------

"This is an excellent initiative that promises to finally bring Islamic finance
to the masses! The modules make Islamic finance interesting, informative and
most of all provide for a cost-effective, easily accessible, and highly
efficient training across large-scale institutions and individuals. No more is
Islamic finance relegated to costly conferences in plush hotels or to be
delivered by trainers whose daily charges prohibit the everyday person from
benefiting. Islamic finance was and is an industry driven by the vision of the
everyday man who wants an alternative to the injustices of modern finance. Just
as we had begun to fear that the caravan of Islamic Finance had begun to go
astray, Ethica Institute of Islamic Finance appears and promises to realign its
direction with its ideals."

Yusuf Jha
Ex-Sharia Controller, Abu Dhabi Islamic Bank, UAE

--------------------------------------------------------------------------------

"The CIFE program far exceeded my expectations. You can learn at your pace. The
self-assessment quizzes at the end of each module are very helpful to assess the
knowledge gained. What I find impressive about Ethica's CIFE is that it
incorporates both theory and practical examples. I highly recommend Ethica to
anyone who wants to secure a career in Islamic banking and finance."

Abdul Nabi Hussain
Assistant Manager, First Investment Bank, Qatar

--------------------------------------------------------------------------------

"Once I complete this certification, Ethica has an extensive network of finance
and business people in the region and internationally that I can connect to in
regard to securing that new job..."

John Wilson Wiles
Consultant, USA

--------------------------------------------------------------------------------

"At times you'd be forgiven for thinking you were listening to a live teacher. I
highly recommend this course to anyone interested in building a strong
foundation in Islamic Finance. The only thing I regret about the course is that
it ended!"

Masen Abou-Zolof
Financial Controller, Westpac Institutional Bank, Sydney, Australia

--------------------------------------------------------------------------------

"The CIFE is a highly recommended certification for those interested in Islamic
finance. The program covers a wide range of topics and provides the knowledge
required to work in Islamic finance industry. Becoming a CIFE member offers
unique learning and networking opportunities. I highly recommend this program."

Bachir Farah
Chief Internal Control, Djibouti Ports, Djibouti

--------------------------------------------------------------------------------

"Ethica's approach or 'solution' is unique, simple, rooted in morality and
deserves to be called 'pioneering' from an educator's perspective. After
extensive research, I discovered that the only other accredited Islamic Finance
program that was offered 'almost' completely online and did not require
relocation was the XYZ program from XYZ Institute. However other credible
institutions and even XYZ's program still posed the following hurdles that
Ethica clearly overcame to become my obvious choice:

 1. The XYZ certificate could NOT be completed without an internship at an
    Islamic finance institution (of which there are hardly any in where I live).
    There is no substitute for actual experience, but in my humble opinion,
    Ethica's practical teaching approach is probably the closest thing to
    working at an Islamic finance institution.
 2. My email communications with staff left me wondering about the effectiveness
    of their platform which seemed to be a traditional online platform with
    minimal support from faculty members. Basically it would be a bunch of
    downloaded books and notes and me..no other support seemed evident. And the
    email response from the XYZ program's Dean came 2 weeks after my initial
    inquiry. In comparison, Ethica's "Why Islamic Finance" video literally blew
    me away and wiped out all my doubts about the quality of education. As for
    communications, Ethica has quite literally exceeded my expectations at every
    single occasion with lightning fast, informative and courteous responses.
    Makes me wonder sometimes if 2 or 3 different people are working round the
    clock (24/7) to create and maintain this awesome quality and service :)
 3. I communicated with a number of XYZ and CIFE™ students online via LinkedIn
    and discovered that while all CIFE™ graduates praised the Ethica program
    highly and considered it an excellent investment for their careers, XYZ
    graduates on the other hand kept sending me precautionary warnings about not
    being too optimistic because XYZ hadn't opened too many doors for them..at
    least not quickly enough. Other than the feedback from LinkedIn, I believe
    this particular concern of mine was further alleviated with the knowledge of
    Ethica's Recruiter Database available to all CIFE™ graduates."

Ahsan Shah
Budgets & Accountability Analyst, Aramco Services Company, Texas, USA

--------------------------------------------------------------------------------

"I researched various Islamic finance qualifications which could be done online
and found Ethica's CIFE to be the most appropriate for a busy professional like
me, hence enrolled for both the CIFE and ACIFE certification."

Mohamed Ebrahim
Certified Public Accountant, Ace Financial Advisory Limited, Kenya

--------------------------------------------------------------------------------

"I really enjoyed studying with Ethica; the CIFE program was prepared and
organized efficiently. The course content covered all the topics in Islamic
finance and was related to my current job at the bank."

Mohamed Shehata
Head Centralized Corporate Credit Division, Al Baraka Bank, Egypt

--------------------------------------------------------------------------------

"The CIFE™ Program far exceeded my expectations. Very clear explanations from
our enthusiastic lecturer coupled with very apt anecdotes from the participants
supported the program a great deal. I really appreciated our lecturer's
willingness to answer our never-ending questions with patience. The
participation banks in Turkey are still in a developing stage. Most of the
structures that we have learned are yet to be used. So, being a participation
banker in Turkey will share the basics of the products and structure with my
colleagues and try to play a role in their implementation. Thank you very much
to the organizers."

Burcu Calikli
Country Risk Manager, Turkish Finance Participation Bank, Turkey

--------------------------------------------------------------------------------

"I am a Chartered Certified Accountant and associated with KPMG for the last 7
years. I wanted to pursue my career in Islamic finance so was looking for a
certification which could give me in-depth knowledge of Islamic finance and at
the same time the flexibility of attending classes. Ethica’s 100% online CIFE
program provided me the knowledge of how Islamic banking is different from
conventional, with the convenience of studying through video lectures anywhere,
anytime I wished."

Amna Ashraf
Senior Associate, KPMG Lower Gulf Limited, Dubai, UAE

--------------------------------------------------------------------------------

"A few years back the Central Bank of Nigeria introduced Islamic banking. The
CIFE provides a solid core of general banking and finance principles as per
Islamic law. I cannot emphasize enough the benefits of studying Islamic finance
at Ethica. It has provided me with advanced level skills and knowledge which
will enable me to contribute to the needs of this growing finance sector."

Khadijah Durodola
Banker, Fidelity Bank Plc, Nigeria

--------------------------------------------------------------------------------

"I found the modules very organized for a new banker like myself and feel
confident that it will prove to be a very useful learning tool even for more
advanced bankers."

Hanan Izhiman
Certification Manager, NBAD Academy, National Bank Of Abu Dhabi, UAE

--------------------------------------------------------------------------------

"Today in Kenya we have two banks that are fully Shariah-compliant and others
who have opened up Islamic banking windows. As I wanted to explore opportunities
within the Islamic banking, I decided to pursue an Islamic finance
qualification. I must say, Ethica’s course work and videos are excellent and
well structured. They give learners real-world, practical knowledge of Islamic
finance and banking."

Naushad Abdul Haleem
Senior Manager, Imperial Bank Limited, Kenya

--------------------------------------------------------------------------------

"I have certifications in Islamic finance from 2 different institutes...Ethica
and somewhere else. Although both courses imparted useful knowledge, it was
Ethica's CIFE™ that clarified my understanding of the concepts. The unique way
of learning through well structured modules, easy-to-grasp demonstrations and
well-placed real-world examples, almost perfectly simulated a professional class
and made learning very engaging and effective. The layout of this course further
enhanced my learning and cleared certain confusing concepts that I encountered
during self study in my previous certification. Overall, Ethica is a great
combination of a unique teaching style, timely knowledge and genuine personnel.
The people at Ethica were always there to help, right from the time of joining,
throughout my certification and even after completion by way of 1-on-1 career
counseling. I enthusiastically recommend this institute to anyone interested in
initiating their career in Islamic finance."

Faiza C
Tax Professional, USA

--------------------------------------------------------------------------------

"First of all, thank you for providing a fabulous online training program in
Islamic finance. I started with absolutely no idea about Islamic finance but by
the time I appeared for the CIFE™ exam, I was already contemplating
Shariah-compliant alternatives to the interest-based products being used in my
bank. This for me was a great feeling. Of course, there is still long way to go
but Ethica has given me a solid foundation to build on. Thank you."

Shahriar Masum
Assistant Vice President, MTB International Trade Services, Mutual Trust Bank,
Bangladesh

--------------------------------------------------------------------------------

"The case studies, quizzes, diagrams, and overall design really keep me engaged.
And because training videos come in 20 minute chunks, I can fit training into my
schedule any time I want."

Mashreq Banker, UAE

--------------------------------------------------------------------------------

"The Ethica CIFE™ program is excellent. I am very tempted to undergo this
training program but the problem is that I have already enrolled with the
____________ Institute. I wish I had know about it before hand. Is there
anything I can do to jump ship. To be honest, the ______________ Institute is
really _____. It is actually a diploma in Islamic finance where the tutor does
not even respond to your questions and the quality is so low. I went through the
Ethica videos and found them very informative. Is there any way to gain access
to the training material for certification? I am willing to pay a fee for that.
I shall spread the word for Ethica here."

Babar Jamil
Business Development Manager, Muslim Community Cooperative Australia

--------------------------------------------------------------------------------

"It was during my search for interest free alternatives that I stumbled upon
Ethica Institute. The team at Ethica has been most helpful in answering
questions and linking me to relevant resources. It was actually my mother who
encouraged me to do the course. She dismissed all my concerns – and simply said,
“if nothing else you will understand a little more.” I have found the course
very interesting. The topics are explained in a clear and concise sequence,
moving from the simple to the more complex. I had felt sure that I would be
plaguing the team with questions but there was no need as it was
self-explanatory. Interestingly, I began my own business alongside my study of
the modules and could relate more to the concepts being explained. I have only
praise for the professional and high standard of the course content and its
delivery and will highly recommend it to others. I think we all owe it to
ourselves to know about alternatives to conventional banking since the matter is
of utmost importance."

Amina Syed
Self-employed, Australia

--------------------------------------------------------------------------------

"I recently took the CIFE™ and am considering enrolling for the Advanced CIFE™.
I feel glad to have chosen Ethica because the courses are very well structured
that you don't need assistance. The response to my major questions during the
learning process seem to have already been anticipated at the design phase
itself. You can learn at your pace with the full content online. The quizzes at
the end of each module are very helpful to implant the main knowledge. The "Case
Studies" and the "At the bank" sections make the Ethica's CIFE™ exceptional for
practicing real cases of Islamic finance operations. I highly recommend this
training for those interested in learning islamic finance."

Mohamed Zied Dorbez
Chief Financial Officer, Permaflex, Tunisia

--------------------------------------------------------------------------------

"It was a great choice when I decided to learn more about Islamic Finance.
Ethica has given me the opportunity to develop myself and my profession in such
an important field. I would recommend Ethica to all candidates and finance
professionals interested in learning Islamic Finance in a very easy, simple and
direct way...Thanks Ethica!"

Basel Omar Abu-Ali
Financial Controller, Emirates International Investment Company, UAE

--------------------------------------------------------------------------------

"The videos blew me away because the content was great...after passing the CIFE™
exam I had the privilege of having 1-on-1 career counseling...this counseling
was very helpful..."

Adefisayo Adeniyi
Banker, London, UK

--------------------------------------------------------------------------------

"...I did an extensive search on the Internet visiting websites of various
institutions from Malaysia, United Kingdom, India as well as the Middle East. I
also visited the websites of various professional bodies and universities and
found them to be no different than the one I had just quit. Finally, I stumbled
upon Ethica..."

Aziz Jadwet
Manager, Advanced Firefighting Technology, Mumbai, India

--------------------------------------------------------------------------------

"What I find impressive about Ethica's CIFE™ is that its training videos clarify
complicated concepts easily and they incorporate both theoretical and practical
aspects, an obvious plus point unlike the modules I learnt in my diploma in
Islamic finance in the past from another school. I recommend Ethica's CIFE™
program to anyone who wants to learn the fundamentals of Islamic banking and
finance; and even for Islamic bankers who want a refresher course."

Fazrihan Duriat
Shari'ah Compliance Executive, Maybank, Singapore


--------------------------------------------------------------------------------

"The best thing about Ethica Institute is that it makes AAOIFI standards
accessible to everyone who is eager to learn. Their ever-evolving web-based
training material and rigorous certification process has the potential to
promote AAOIFI's standards throughout the world by simply training and
certifying multitudes of Islamic finance professionals from the comforts of
their homes and offices."

Liaquat Ali
Founder TrulyInterestFree.com

--------------------------------------------------------------------------------

"Finally, AAOIFI based industry training at my desk!"

Mashreq Banker, UAE



"The CIFE™ is one of the most valuable courses that I have taken until now. The
course was a very interesting, well organized and structured learning program
and combined a professional teaching style with practical methods. With the help
of this course, I have enhanced my knowledge of the principles and fundamentals
of Islamic finance. I have really enjoyed the course and I will highly recommend
this program to anyone who wants to enter a career in Islamic finance."

Suzan Dervari
Licensing and Regulation Department Director, Central Bank of the Republic of
Kosovo

--------------------------------------------------------------------------------

"I have completed CIFE™ course with Ethica and found their training material
excellent source not only for their examination but also for understanding the
fundamentals of Islamic Finance. In fact, I have now enrolled for their Advanced
CIFE™ in Islamic Accounting course and looking forward to upgrading my knowledge
further. I have no hestitation in recommending their course for any serious
student of Islamic Finance and Accounting."

Akbar Mohamed Casim Shaikh
Director, Revenue Assurance & Compliance, Qatar

--------------------------------------------------------------------------------

"The knowledge gained through Ethica's CIFE™ & ACIFE™ has helped me immensely
not only in my professional career but even in completing other courses in
Islamic Finance. I strongly recommend the CIFE™ & ACIFE™ qualifications
specially to those who are new to the field with no prior knowledge since the
qualifications are uniquely designed for easy understanding and practical
application that has been rigorously tested and accredited. It is safe to say
that being a CIFE™ & ACIFE™ means that you know Islamic finance inside out and
ready to take on the reality of this unique industry."

Shamraz Kitchilan
Executive, Amana Bank Limited, Sri Lanka

--------------------------------------------------------------------------------

"I am currently operating an Islamic fund firm and have completed the Ethica’s
CIFE allowing me to incorporate my learning into our organization. I found the
course very useful and encourage my colleagues to complete it to obtain
practical Islamic finance knowledge."

Hakan Ozyon
Chief Executive Officer, Hejaz Financial Services, Australia

--------------------------------------------------------------------------------

"The CIFE™ is very simple and straight forward to understand and once you start
you don't want it to end as you tend to get hooked to it. I strongly recommend
it to any one who wants to have a simplified knowledge in Islamic Finance."

Abdul Aziz Jega
Business Manager, United Bank for Africa, Nigeria

--------------------------------------------------------------------------------

"Ethica Institute of Islamic Finance fills a gap by providing a platform for
cost-effective training and development, reliable certification, and a forum for
those interested in Islamic finance to interact."

Mehdi A. Zaidi
Chief Program Officer, Noor Islamic Bank, Dubai

--------------------------------------------------------------------------------

"I certify that Ethica's training is fully Shariah compliant. And I consider the
CIFE™ to be the strongest Islamic finance certification available online that I
have seen."

Tariq Bujasaim
Ex-Senior Shariah Auditor, Dubai Bank

--------------------------------------------------------------------------------

"I have reviewed these online sessions and I am very impressed with what I see.
They provide a solid foundation that is fundamental to fully understanding
Islamic finance."

Professor Walid Hejazi
Rotman School of Management, University of Toronto

--------------------------------------------------------------------------------

"This course is primarily aimed at providing high quality training to cater for
the growing need of the industry. It provides academic and industry knowledge of
the products within the Islamic finance and banking industry in
Australia and overseas. It is thus highly appropriate that La Trobe University
is leading the way in the development of programs such as the one we are
launching today."

Professor Paul Johnson
Vice-Chancellor, La Trobe University, Australia

--------------------------------------------------------------------------------

"I am really impressed with the way you teach and train your students. I have
been studying and teaching Islamic finance for over 10 years but your techniques
are brilliant. I suggested to my MBA and BBA students to get registered for the
seven day free course and they are happy. Hopefully a few of them will get
registered for the whole CIFE program."

Khalid Hussain
MBA Professor, Bahria University, Pakistan

--------------------------------------------------------------------------------

"I have completed the CIFE™ and am currently studying for the Advanced CIFE™ in
Islamic Accounting. The course is fully online, including the final exam. The
curriculum is highly practical and broken down in small modules to enable the
students to better retain what they learn. They also contain many quizzes to
test students' knowledge and enable them to review the points they may have
missed. Drawings make them very clear. I have read other books on Islamic
Finance but they never include practical examples on how Islamic Institutions
include Shariah compliant finance products, unlike Ethica. From what I could
compare with other sources, the content follows the main Shariah consensus in
Islamic Finance. I highly recommend this course for anybody interested in
Islamic Finance - it gives down to earth explanations on how it works nowadays."

Sophie Paine
Managing Director, A+B=3

--------------------------------------------------------------------------------

"The course material is very relevant to those who are interested in
understanding Islamic finance products and the differences between Islamic and
conventional finance. The course material is well-structured and properly
balanced in the sense of theoretical and practical aspects of learning. Many
thanks for your time and efforts once again!"

Talant Kaliyeva
Director, Al Farabi Institute, Kazakhstan

--------------------------------------------------------------------------------

"Ethica's CIFE program was an amazing experience. As a student of conventional
finance, the knowledge gained from Ethica's modules has given me a totally new
perspective on finance. Moving forward, it will be easy for me to understand the
differences between and the issues that relate to both conventional and Islamic
finance."

Omar Abbasi
Student, France

--------------------------------------------------------------------------------

"Studying the CIFE at Ethica has been a great experience for me. It was my first
100% online course. I loved how learning was made convenient and flexible while
still maintaining high standards in content. The main reason for taking this
course was that Islamic finance is a new and upcoming industry in Kenya and as a
finance graduate Ethica’s qualification offered an opportunity to help me
prepare for and find my first job."

Gabriel Gichuhi
Graduate, Kenya

--------------------------------------------------------------------------------

"I work at a university in Russia. I have been studying Islamic finance for some
time and how it can be applied in Russia. When I learned about the opportunity
to enhance my knowledge with Ethica’s program, I immediately decided to enroll.
Today I can confidently say that it really helped me in my study of Islamic
finance."

Shamil Shovkhalov
Senior Lecturer of Accounting, Analysis and Audit, Siberian Federal University,
Russia

--------------------------------------------------------------------------------

"I have received my MBA in Frankfurt, Germany. There are no opportunities to
learn Islamic finance in Germany; the closest possibility is to go the UK. I did
some research and found out about Ethica Institute of Islamic Finance and their
CIFE program. Being a student I just had to pay half the course fee, which was
amazing! The course videos and study notes are really interesting. I enjoyed the
course very much and would do it all over again any day!"

Ebru Aslan
MBA Student, Germany

--------------------------------------------------------------------------------

"I had no knowledge of Islamic finance but after a lot of research and advice
from friends I found out about Ethica’s CIFE. It gives me immense pleasure to be
a CIFE graduate – because of it I have recently been accepted into an MBA
program in Islamic finance marking my next step towards pursuing my career in
the field."

Salman Hassan
Operations Executive, African Horn Company, Oman

--------------------------------------------------------------------------------

"For the first time ever, we now tap into the tremendous demand for Islamic
finance from students all over the world."

Ishaq Bhatti
Associate Professor, La Trobe University, Australia

--------------------------------------------------------------------------------

"I am a teacher at university. I try to use examples from Islamic economics and
finance in my scientific and teaching work. I have always wanted to use my
professional skills to understand Islamic economic principles and perhaps do
something in this field of activity in the future. Ethica’s CIFE program
inspired me and gave me the self-confidence I needed. The course is clearly
structured. The easy-to-understand lessons make Islamic finance accessible to
all who are interested in the subject, irrespective of whether student of
professor. I await still more interesting webinars, courses and programs from
Ethica in the future."

Rezeda Gabbasova
University Teacher, Kazan State Agrarian University, Russia

--------------------------------------------------------------------------------

"Ethica's online content was very rich and practical, which engaged students and
enhanced the University learning experience. Most of the students were from a
finance and banking background and their research projects indicate that they
grasped the fundamental concepts very well. I would highly recommend anyone
pursuing a career in Islamic banking and finance to invest in their knowledge
because it is the only way to get ahead and gain competitive advantage. Ethica
is a great business partner, prompt and professional at all times."

Almir Colan
Program Coordinator, La Trobe University, Australia

--------------------------------------------------------------------------------

"The material on the Ethica Institute web site is terrific. Going through their
online sessions will provide a solid understanding of the fundamentals of
Islamic Finance."

Mohammad Fadel
Assistant Professor of Law, University of Toronto Faculty of Law

--------------------------------------------------------------------------------

"My favorite part of the day is learning Islamic finance online with Ethica
Institute."

Mashreq Banker, UAE

--------------------------------------------------------------------------------


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