Author Archives: Usman Hayat, CFA

Usman Hayat writes about sustainable, responsible, and impact investing and Islamic finance. He is the lead author of "Environmental, Social, and Governance Issues in Investing: A Guide for Investment Professionals," and the literature review, "Islamic Finance: Ethics, Concepts, Practice." He is interested in online learning and has directed three e-courses for CFA Institute: "ESG-100," "Islamic Finance Quiz," and "Residual Income Equity Valuation." The other topics he writes about are macroeconomics and behavioral finance. Previously, he was a content director at CFA Institute. He is a former executive director at the Securities and Exchange Commission of Pakistan (SECP). He has experience working in securities regulation and as an independent consultant. His qualifications include the CFA charter, the FRM designation, an MBA, and an MA in Development Economics. His personal interests are reading and hiking.

Integrating ESG Considerations with Fixed Income

The traditional investment approach to fixed income links the credit risk of a security to financial metrics like profitability, leverage, and productivity. But modern responsible investing goes beyond that. It also integrates environmental, social, and governance (ESG) metrics for a more complete risk assessment. Read More

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Improving Investment Decisions through Better Decision Governance

Investment professionals can add value in their investment decisions through good governance — not the good governance they preach to corporate executives of public companies, but the governance of their own investment decision-making. Read More

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Integrating Social and Environmental Issues in Investment Decisions

Loss of trust gets in the way of markets doing their job for our shared economic progress. Will considering ESG issues help financial services rebuild trust? Read More

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“Banks Don’t Fail. They Are Destroyed,” Says Nigeria’s Reforming Central Bank Chief

Sanusi Lamido Sanusi, governor of the Central Bank of Nigeria, has combined tough talk with firm action to reform the banking sector in Africa’s most populous country. Read More

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