Ethica Institute of Islamic Finance decided to give over ninety percent of its content, the Handbook of Islamic Finance, free of charge. The 800 page ebook came out of the Certified Islamic Finance Executive program as a handy way for bankers and students to access everything in one place: contracts, articles, recommended readings, hundreds of answers to questions, and Dr. Usmani's entire Guide to Islamic Banking. Ethica's spokesperson said the ebook is designed to take a newcomer to Islamic finance through the basics of how a market works on principles of equity, trade, and leasing, without debt.