IMAN addresses two global problems - debt pits and over-consumption - that impede sustainable development. Following the principles of Islamic finance, Iman also addresses the problem related to usury and interest rates

The emerging BNPL market in Uzbekistan, devoid of control mechanisms and financial education, contributes to the growing debt burden and decreasing economic sustainability of the population. Lack of savings increases the vulnerability of consumers, creating systemic risks that require government intervention in times of crisis. The solution lies in the integration of conscious consumption, financial planning and stimulation of income growth.