DIFC Launches Programme with Global Ethical Finance Initiative Aligning with UAE’s COP28 Agenda

DIFC Launches Programme with Global Ethical Finance Initiative Aligning with UAE’s COP28 Agenda

  • Programme aligns with UAE and Dubai’s COP28 agenda
  • DIFC is host financial centre for 12-month path to COP28 programme, working with Global Ethical Finance Initiative (GEFI)
  • DIFC and GEFI invite members of global finance community to join the programme

 Dubai, UAE; 24 October 2022: Dubai International Financial Centre (DIFC), the leading global financial centre in the Middle East, Africa and South Asia (MEASA) region, today announced a year-long partnership with the Global Ethical Finance Initiative (GEFI), ahead of the United Nations Framework Convention on Climate Change’s 28th Conference of the Parties (COP28) taking place in Dubai.  COP28 will be held during November 2023 and see world leaders from the public and private sectors congregate to make progress on climate related matters.

With Dubai hosting COP28 and DIFC being a significant contributor to the sustainable economic growth of the Emirate, the Centre is leading by example and announcing their path to COP28 partnership just over 12 months before the event takes place.

DIFC and GEFI will drive change across the world’s financial industry relating to delivering Net Zero; unlocking Islamic Finance; financing nature and biodiversity; and financing the sustainable development goals. As host financial centre for GEFI’s Path to COP28 programme, DIFC will support a series of report launches, roundtables and community engagements during the next 12 months.

The partnership was launched at DIFC with a keynote presentation by Dame Susan Rice, one of the most influential women in banking, who Chairs the GEFI Global Steering Group. Dame Susan, the first woman to head a UK clearing bank, also Chairs the Financial Services Culture Board in the UK and enjoyed a seven-year term as a non-executive Director of the Bank of England.

Attendees also heard from the General Council for Islamic Banks and Financial Institutions (CIBAFI) Secretary General, Dr. Abdelilah Belatik, and Fajr Capital’s CEO, Iqbal Khan.

Arif Amiri, Chief Executive Officer of DIFC Authority said: “DIFC and GEFI are delighted that the financial services sector is the first industry to launch a programme that aligns with the UAE government’s COP28 agenda. DIFC is perfectly placed to be host financial centre for the Path to COP28 programme given the progress we have already made and will continue to make on climate related matters with our clients. We are looking forward to working with the GEFI and senior members of the local, regional, and international finance community to embrace this initiative and truly make a difference.”

Omar Shaikh, Co-Founder and Managing Director of GEFI said: “Our Path to COP28 campaign seeks to encourage and support financial institutions in transitioning from commitment to actual implementation, measurement and reporting. The maturity and foresight of the UAE government and DIFC as a world-class financial centre is critical to encouraging the regional financial sector to ramp up its environmental awareness and commitment towards achieving the COP targets.”

The partnership aligns with DIFC’s Strategy 2030 and reflects its progress on driving Dubai’s reputation as the region’s leading sustainable financial hub. This is being achieved through its chairmanship of the Dubai Sustainable Finance Working Group (DSFWG) which was established in 2019.

The Path to COP28 initiative also complements the recent launch of the DSFWG self-assessment tool for measuring the maturity of Environmental, Social and Governance (ESG) policies and practices in companies.

GEFI’s previous Path to COP26 campaign was supported by the City of London Corporation and brought together several signatories, including 20 financial institutions representing £2 trillion in assets, to drive finance for positive change at the Glasgow COP.

Members of the finance community can find out more about the Path to COP28 – and register their interest to be involved – on difc.ae.



About Dubai International Financial Centre

Dubai International Financial Centre (DIFC) is one of the world’s most advanced financial centres, and the leading financial hub for the Middle East, Africa and South Asia (MEASA), which comprises 72 countries with an approximate population of 3 billion and an estimated GDP of USD 8 trillion.

With a close to 20-year track record of facilitating trade and investment flows across the MEASA region, the Centre connects these fast-growing markets with the economies of Asia, Europe and the Americas through Dubai.

DIFC is home to an internationally recognised, independent regulator and a proven judicial system with an English common law framework, as well as the region’s largest financial ecosystem of almost 30,000 professionals working across over 4,000 active registered companies – making up the largest and most diverse pool of industry talent in the region.

The Centre’s vision is to drive the future of finance through cutting-edge technology, innovation, and partnerships. Today, it is the global future of finance and innovation hub offering one of the region’s most comprehensive FinTech and venture capital environments, including cost-effective licensing solutions, fit-for-purpose regulation, innovative accelerator programmes, and funding for growth-stage start-ups.

Comprising a variety of world-renowned retail and dining venues, a dynamic art and culture scene, residential apartments, hotels and public spaces, DIFC continues to be one of Dubai’s most sought-after business and lifestyle destinations.

For further information, please visit our website: difc.ae, or follow us on LinkedIn and Twitter @DIFC.


For media enquiries, please contact: 

Omar Nasro | ASDA’A BCW
+9714 450 7600
www.asdaa-bcw.com | www.arabyouthsurvey.com

Rasha Mezher | Dubai International Financial Centre Authority
Consultant, Marketing & Corporate Communications

Ethical Finance Global 2022 - summit announced

We are delighted to formally announce the launch of Ethical Finance Global 2022, which will take place as an in-person event on 6th September 2022 in Edinburgh hosted by NatWest Group.

The summit is the premier event in ethical finance, and is themed 'ESG in a Volatile World: Profit, Principles or Politics'. It will tackle three core thematics: climate, nature and social. Confirmed speakers include Rt. Hon. Alok Sharma MP, Sarah Breeden, Saker Nusseibeh and Anshula Kant. Click here to find out more.

Our in-person events offer a unique ability to forge connections, and over the years our Summits have built capacity, influenced policy, enabled deals, informed new products, driven framework commitments, helped deploy capital to the SDGs and developed lifelong friendships. If you have attended our flagship global Summit in the past, we would love to see you again in September; if not, then now is your chance!

As well as looking at macroeconomic issues impacting global markets, we will have specific sessions on topics including:

  • The growing impact of conflict and geopolitics in ESG
  • Core global challenges in financing climate adaptation and mitigation
  • The role of finance in protecting and restoring nature and biodiversity
  • The emergence of the S in ESG as a core priority
  • The role of financial leaders in defining organisational purpose
  • Financing the SDGs

Sign up now at https://www.eventbrite.co.uk/e/ethical-finance-global-2022-esg-in-a-volatile-world-registration-349512941617?aff=blog, using the code 'EARLY20' for a 20% early bird discount.

The Data Dichotomy: Courage or Caution | Ethical Finance Round Table

Our next Ethical Finance Round Table event, entitled The Data Dichotomy: Courage or Caution, will take place on Tuesday 14 June 2022. It will explore developments in ESG data provision, its limitations and how asset managers are using data to inform long term investment decisions.

Our speakers will respond to some of the toughest questions facing the industry:

  • Is "we need better data" becoming an excuse for inaction from the industry?
  • Are ESG ratings fundamentally compromised by being at least partly based on subjective data?
  • How does the backwards-looking nature of data square with the long-term, forwards-looking view that responsible asset owners should take?
  • As disclosures become more widespread and data improves, is there pressure to avoid sectors or regions with poorer disclosures, even if they might deliver genuine impact?

Confirmed speakers are:

  • Graham Burnside, Co-Founder and Senior Advisor, GEFI (moderator)
  • Dr Richard Mattison, President of S&P Global Sustainable1 and CEO of S&P Global Trucost.
  • Hetal Patel, Head of Climate Investment Risk, Phoenix Group
  • Kate McGrath, ESG Analyst – Fixed Income, abrdn

Sign up now at https://us02web.zoom.us/webinar/register/1716527070480/WN_i9UjoXj0QZm6xbEczOhEKw.

Financing a Shared Future for All Life on Earth: the role of TNFD in a Global Biodiversity Framework - Biodiversity Day interview with Elizabeth Mrema, UN CPD & Lorna Slater MSP

Last week would have seen the crucial biodiversity summit COP15 take place, before it was delayed due to the pandemic. To mark both Biodiversity Day and the original date, and build moment before the rescheduled summit this Autumn, we hosted a discussion on Financing a Shared Future for All Life on Earth: the role of TNFD in a Global Biodiversity Framework.

We were joined by UN Convention on Biodiversity Executive Secretary & Taskforce for Nature-Related Financial Disclosures (TNFD) Co-chair Elizabeth Mrema and Scottish Minister for Green Skills, Circular Economy and Biodiversity Lorna Slater MSP, to discuss why we need to finance nature, the Global Biodiversity Framework, how governments can help and what the Scottish Government is doing in this space.

Despite on-going efforts, biodiversity is deteriorating worldwide and this decline is projected to worsen with business-as-usual scenarios. This session, aimed at global finance practitioners, is intended to raise aware and inspire practical action in relation to the critical need to finance. It will provide an update on global and national initiatives to help drive the action required to finance a shared future for all life on earth.

With the forthcoming Global Biodiversity Framework, the Convention on Biological Diversity is setting the stage for a worldwide re-direction of financial flows away from nature-negative and towards nature-positive outcomes. Market players are speeding ahead with testing the Taskforce on Nature-related Financial Disclosures (TNFD) beta framework, to make it ready to inform and respond to these new international norms around nature, nature-based solutions and finance. As part of the Scottish Government’s National Strategy for Economic Transformation, we have committed to establishing a values-led, high-integrity market for responsible investment in natural capital.

GEFI has a long history of supporting finance for nature, from a programme of collaboration between UNDP, GEFI and the Scottish Government, to the COP26 launch of an exclusive, commercial platform showcasing financial products that are directly aligned to the SDGs, and nature-focused sessions at our annual summits and COP26.

Climate and Ukraine: how to respond to the war by investing in renewable energy

This article was contributed by Martina Menegat.

Red pill or blue pill? Climate or Peace? Since the war in Ukraine has started, we have behaved as though it was possible to choose, but we cannot: we must swallow both pills at once. Energy security and climate security are more deeply intertwined than is generally assumed. A swift transition to renewable energies has the potential to secure a more stable future for the world, at once reducing dependency on regimes accused of rights abuses and decarbonising the energy supply.

The Adaptability Report released by the IPCC in February 2022 found that rising global temperatures have already caused substantial and increasingly irreversible losses across the word. It warns that half of humanity is already at serious risk from climate change, and this risk increases with greater warming. The report was described by UN Secretary General Antonio Guterres as ‘an atlas of human suffering’. The corresponding report on mitigation, published in April, highlights that there are 3 years left to act for keeping alive the goal of limiting warming to 1.5°C .

At the Economist Sustainability Summit, Secretary General Guterres warned that ‘the fallout from Russia’s war in Ukraine risks up ending global food and energy markets, with major implications for the global climate agenda. As major economies pursue an ‘all-of-the-above’ strategy to replace Russian fossil fuels, short-term measures might create long-term fossil fuel dependence and close the window to 1.5°C’.

Russia is the world’s largest exporter of oil, gas and fossil fuels generally, meaning that this war can reshape the world’s energy systems. The EU, a key player in the current geopolitical deadlock, imports around 40 per cent of its natural gas, 25 per cent of its oil and almost 50 per cent of its coal from Russia. However, even if the EU drastically reduces fossil fuel imports from Russia, it should be able to get through the next winter without power outages.

Moreover, the need to bring a rapid end to many nations’ reliance on Russian energy supplies may encourage faster transition to decarbonisation in Europe and beyond, as countries across the world adopt what German finance minister Christian Lindner described as ‘freedom energy’. The case for a phased decline of fossil fuels in the energy mix, however, does not rest on science and geopolitics alone. As the IPCC report on mitigation indicates, renewable energies have never been so affordable. Solar, wind, green hydrogen and batteries enjoy steep and durable learning curves that already make them cheaper than fossil fuels in many sectors and uses.

The same fossil fuels that are funding the conflict are also bringing our planet to multiple tipping points. Currently, we are about to cross 4 out of 10 planetary boundaries, including that of climate change, with others at risk. The biosphere is the fundamental ground on which to build resilient societies and economies. The decisions due to be taken in the coming months represent the last call to accelerate ecological transition.

Focusing back on Ukraine, what can finance do? As the speakers at GEFI’s recent event Responding to the War in Ukraine: Ethical Finance at a time of a crisis emphasised, finance can most effectively support Ukraine by deploying financial resources to accelerate the clean energy transition. This historical moment is well-suited to break the narrative sustained by the fossil fuel industry: that transitions must be long and slow. Deprived fossil fuel profits, amounting to a daily €700 million just from Europe, Russia would lose substantial income to support its military.

To actively support Ukraine, we can act in two ways: as investors, and as consumers. As investors, we must back clean energies, while as consumers, we must change our energy consumption patterns.  Renewable energies are clean, cheap and local, and they have the power to ensure a fairer and more democratic future for all countries.

Scottish Financial Centres Climb in Global Green Finance Rankings

Edinburgh and Glasgow have both risen in the 9th edition of the widely respected Global Green Finance Index (GGFI), from prominent City thinktank Z/Yen.

Edinburgh climbed 4 places to 35th, while COP26 host city Glasgow rose 2 places to 51st; the only UK financial centres outside London to place on the list.

Glasgow ranks ahead of financial centres such as Milan, Istanbul and Tel Aviv, with Edinburgh leading Osaka, Hong Kong, Toronto, Chicago and Rome.

The rankings show that Scotland is well-placed to build upon the legacy of COP26 with its new Scottish Taskforce on Green and Sustainable Financial Services.

Led by the Scottish Government, Global Ethical Finance Initiative (GEFI) and Scottish Financial Enterprise, the Taskforce brings together prominent financial institutions, policymakers, professional bodies, academic institutions, and industry representatives to coordinate the Scottish financial sector’s approach to financing a net zero economy.

Elsewhere in the rankings, London, Amsterdam, and New York retained their 1st, 2nd and 3rd places respectively, while New York jumped 8 places to move into the top 10 for the first time, at 5th place.

Chris Tait, Chief Operating Officer of GEFI said “The rise of both Edinburgh and Glasgow in the latest Global Green Finance Index shows the knowledge and expertise of Scotland’s green finance cluster. By bringing together stakeholders from across the sector, we will leverage our intellectual capital and financial history to deliver finance for net zero.”

Speaking at the Taskforce launch, Mark Carney, UN Special Envoy for Climate Action and Finance and former Governor of the Bank of England, said “This Taskforce presents a unique opportunity, at the national level, for stakeholders active in one of the world’s oldest financial centres to work together to demonstrate leadership in defining and implementing the steps required to align with a net-zero future.”

Agenda Announced: Ethical Finance ASEAN 2022

The Global Ethical Finance Initiative (GEFI) and the Asian Institute of Chartered Bankers are delighted to announce the launch of the agenda for our inaugural Ethical Finance ASEAN 2022 summit.

Taking place virtually on Wednesday 29 June 2022, the summit begins at 10am MYT (GMT+8), with a full replay taking place later at 10am BST (GMT+1). The summit starts with an overview of sustainable finance in the ASEAN region, before exploring the topic further in sessions centred around three core thematics: climate, nature and social. The summit then explores practical pathways to action with a session on the SDGs and concludes with an interview between prominent corporate and financial sustainability leaders. Click here to view the agenda.

Speakers include:

  • Komi Rajdev, Head of Business Development ASEAN, Moody’s ESG Solutions
  • Suraya Sani, Senior Supervisor, Financial Conglomerates Supervision Department, Bank Negara Malaysia
  • Shahril Azuar Bin Jimin, Chief Sustainability Officer, MayBank
  • Raja Amir Shah Raja Azwa, CEO, HSBC Amanah
  • Yuki Yasui, Regional Director, GFANZ APAC Network
  • Rafe Haneef, CEO, Group Transaction Banking and Group Chief Sustainability Office
  • Rizal Il-Ehzan Bin Fadil Azim, CEO, Alliance Islamic Bank Berhad

Sign up now at https://www.eventbrite.co.uk/e/ethical-finance-asean-2022-tickets-299068761717?aff=agenda

EVENT ANNOUNCED | Ethical Finance ASEAN 2022

Following the success of our South East Asia regional showcase at Ethical Finance Global 2021, the Global Ethical Finance Initiative (GEFI) is delighted to co-host the inaugural Ethical Finance ASEAN 2022 with the Asian Institute of Chartered Bankers (AICB).

This virtual event, to be held on Wednesday 29 June 2022, will present a unique opportunity to hear from experts on sustainable and responsible finance in the ASEAN region and beyond. The summit is themed “ESG in a Volatile World – Profit, Purpose or Politics?”

As well as looking at macroeconomic issues impacting global markets, we will have specific sessions on topics including:

  • How the megatrends of 2022 are affecting ASEAN economies
  • Financing nature and biodiversity in ASEAN: sustainable palm oil and deforestion
  • The role of the SDGs as a coordinating framework, and progress on financing the 2030 goals
  • Core priorities on the S in ESG for ASEAN economies
  • Perspectives from local and international finance leaders

For more information, click here.

Responding to the War in Ukraine: Ethical Finance at a Time of Crisis

Finance sector experts discussed the role of finance in responding to the war in Ukraine in a special joint event hosted with the CFA UK's Scottish Committee, focusing on the need to respond to the energy supply shock, the "economic war" being waged against Russia and the options open to investors.

On Wednesday 16th March, Lord John Alderdice, a key figure in the Northern Ireland Peace Process and Director of the Centre for the Resolution of Intractable Conflict, Jeremy Lawson of abrdnHelen Thomas of Blonde Money and Graham C. Cook, CFA of the Environment Agency Pension Fund joined our event 'Responding to the War in Ukraine: Ethical Finance at a Time of Crisis'.

Lord John Alderdice opened the event by emphasising the need for finance to play a role in securing a just - and peaceful – world: a sentiment all the more acute in the context of the ongoing war in Ukraine. The shadow of the conflict underpinned Jeremy Lawson, Chief Economist at abrdn’s opening intervention, where he explained that the conflict has highlighted that central banks are behind the policy curve: they have few policy levers left with which to respond to the conflict and the resultant energy supply shock.

Helen Thomas of Blonde Money echoed these sentiments, as she proceeded to unpack the finance (and UK’s) policy response to the conflict in Ukraine. She explained that the last few weeks had, in fact, laid bare two wars that are happening in parallel: a land war, and an economic war that goes beyond mere sanctions. Finance has become another front on a complex war, and no investor can truly be neutral as a result. This was a position that was echoed by Lord Alderdice, who cited the difficulties of aligning private financial flows with broader geopolitics and policy as the conflict in Ukraine unfolds.

The question remains, however: what investors can therefore do in response to the conflict? Whilst there might be pressure to divest, as Graham Cook commented, the market isn't necessarily there. In fact, for many investors, their Russia-based holdings had been relatively low due to existing governance concerns - many of those with robust sustainability and governance policies were simply not deeply invested in Russia, in contrast with some of the kneejerk divestments of recent weeks.

Jeremy Lawson suggested that the conflict is ultimately symbolic of a tendency towards fragmentation that has been in place for a decade, but could end up strengthening the NATO alliance: the decrease in globalisation over the past decade has been underlined by the conflict but its impact is not linear. We could, for example, see climate change policy undermined by return to coal, or see the flexibility of EU ETS promote renewables as source of energy security as the war unfolds.

As Helen Thomas ultimately argued, when thinking about the war in Ukraine we need to be mindful of longer term history when we think about the moral and practical steps the finance sector needs to take during this crisis. Both Helen Thomas and Jeremy Lawson were keen to point to political economy as a fundamental driver of investing, with formal modelling a crucial potential aid to decision-making. There was broad agreement that China is key, not just in terms of the effectiveness of the economic war now being waged against Russia, but on climate action and the shape of any reshuffle of the geopolitical order provoked by this war.

John Alderdice was interviewed about the event on BBC Radio Scotland following the event; you can listen here.

We would strongly encourage you to make to make a donation to the Red Cross Ukraine Appeal.

Job Vacancy: Could You Be Our Next Digital Marketing Manager?

The Global Ethical Finance Initiative (GEFI) has become the hub at the centre of the ethical finance movement. We undertake advocacy through curating independent conversations among a broad coalition of financial services stakeholders, as well as research, advisory work and delivering practical projects. We are the partner for action on ethical finance.

From our Edinburgh base, we are a non-profit with a global footprint. We are supported by the Scottish Government and several major financial institutions including Baillie Gifford and NatWest Group. We also work in partnership with global multilateral institutions, such as the United Nations. Our wider organisation includes the Ethical Finance Hub, Islamic Finance Council UK, SDG Tartan and EFx.global.

With ethical finance moving from the niche to the norm, the level of interest in our work has grown considerably. To meet demand, we are now expanding and have an exciting opportunity for an experienced Digital Marketing Manager to join our growing team to lead on the planning and delivery of our marketing, website and social media strategies for 2022 and beyond.

This is a truly unique opportunity to work in partnership with Governments, regulators, financial institutions, and other financial services stakeholders from across the globe.

Do you have the experience, passion, and drive to make a difference within a high-end purpose-led organisation? If so, read on!

Your Profile and Responsibilities

You will report to our Chief Operating Officer and have responsibility for the management and day-to-day running of our websites (WordPress) and social media channels (Twitter, LinkedIn and any others as appropriate). With several websites across our portfolio, you must understand the design and build process and be confident in restructuring existing pages, creating new pages and adding content in a synchronized manner. You will also be expected to develop and manage our social media calendar in collaboration with colleagues and produce engaging, dynamic content (including written copy, infographics and basic video content).

You will also lead on the development and delivery of our marketing and content strategies across our initiatives. You will contribute to our strategic planning to identify and implement digital marketing tactics that support the achievement of our objectives. This will include taking ownership of all analytics and reporting for content marketing efforts and SEO efforts for web and digital content. You will also be confident analysing trends to recommend best practice approaches to ensure continuous improvement.

As well as promoting the GEFI (and associated) brand(s) your digital expertise will play a critical role in maximising external engagement across our 5 principle areas:

  • Strategic Campaigns
  • Research and Advisory
  • Capacity Building
  • Practical Solutions
  • Events.

This year we are piloting a Youth Sustainable Finance Champion programme where you will responsible for managing the first cohort of up to three students. This will involve assisting with on-boarding, providing training and overseeing digital content production (e.g. tweets and blogs).

This is a critical role within the GEFI operation as we seek to raise awareness, educate and inspire practical action to make the financial system work for positive change.

Your Skills and Qualifications

Technical Skills

  • Degree (or qualifications) in marketing, design, business, or related field or equivalent in experience
  • High standard of literacy and numeracy
  • Proficient across the whole Microsoft Office Suite
  • Ability to convey the right tone of voice across relevant target audiences and digital assets
  • Skilled in creating and maintaining engaging and interactive websites
  • Proficient in using WordPress to publish posts, pages, add media, contact forms, set menus, permalinks, familiar with SEO best practice, plugins and themes
  • Track record of using hootsuite to plan, manage and measure follower-growth and development strategies across Twitter and Linkedln
  • Graphic design skills ranging from the design features in Word and PowerPoint to Photoshop (or equivalent), video-editing and design programmes such as Canva and Adobe InDesign
  • Video production and editing skills (specifically using Adobe Premiere Pro or equivalent)
  • Experience in using MailChimp to design and deploy email campaigns
  • Experience in setting up and managing Zoom meetings and webinars

Soft Skills

  • Creative thinker with strong project management, multitasking, and decision-making skills
  • Able to take ownership of day-to-day tasks and prioritise workload
  • Ability to deliver under pressure and work to targets and tight deadlines
  • Ability to quickly develop new technical skills as required
  • Interpersonal skills with an ability to develop, manage and build relationships with colleagues and external partners
  • Attention to detail with the capability to develop / follow processes and procedures, including design languages, to maximise efficiency and output quality
  • Proven ability to liaise, co-ordinate and disseminate quality information
  • Team player with a ‘can-do’ attitude and willingness to self-evaluate performance to continuously improve
  • Enthusiastic and responsible team player with the ability to work with limited supervision
  • Committed to and have the flexibility to work hours as determined by the business

In return, we will offer:

If you have a genuine passion for social purpose then this is your chance to be part of a small, friendly team, working at the epicentre of the sustainable finance movement. As a global-facing organisation with local roots, this is a perfect opportunity for a digital marketing specialist seeking to take their next step in

  • Full Time and will consider flexible working (such as reduced working day or 4-day week)
  • Attractive salary of FTE £30,000 - £35,000 depending on experience
  • Initially home-based with weekly in-person team meet-ups in Edinburgh (requirements will be reviewed considering changing Covid circumstances)
  • 28 days annual holiday (including bank holidays)
  • NEST pension
  • Opportunity to grow and develop your career

How to Apply

Closing date for the applications is: Wednesday 25th March 2022

All individuals are encouraged to apply to this post regardless of race, age, disability, ethnicity, nationality, gender, gender reassignment, sexual orientation, religion or belief, marriage, and civil partnership.

To apply, please send your CV and a covering letter outlining your suitability for the role to chris@globalethicalfinance.org.