Although the ratio of sharia banking asset to banking asset currently is still below 5%, the supply of HR in the field of sharia financial and banking is still quite limited. To face MEA 2015, moreover with the superiority of the neighboring countries in sharia financial and banking, it feels that we need to sit together to overcome this issue. 17.
Last but not least, as the foundation of the abovementioned three things, I would like to underline the importance of education to integrity. I believe that education and skills realized by mastering the standard of competency and professional expertise will not have any meaning without good integrity, as the business in the financial sector is a business of trust.