We have pointed out in our discussions on the financial and economic instruments that there are clear and direct interrelationships among them in the light of the unique goal of attaining social justice, creating productive realization of wealth and its equitable distribution in the Islamic economy. Here is where ethical values converge with economic instruments according to Shari�ah. The instruments are found to be causally interrelated by an extensive inter-flow of resources from one source to another. This enhances the general systems perspective of the Islamic economy. Thus, ethical endogeneity is systemically realized by cause and effect through the principle of universal complementarity across diversities. Such a process is in turn reinforced by risk and product diversification and inter-sectoral linkages. 

Interest rate, which is found to de-link inter-sectoral activities for the common good is replaced by the rate of return in complementary productive sectors. The value of money responds to this productive return. The economic and financial instruments of the Islamic economy thus realize the principle of universal complementarity, so centrally needed to unify the economy in its systemic and ethically endogenous sense of knowledge induction across agencies, systems, variables and their relations.