The fundamental challenge for human institutions in the 21st century is to create and maintain a sustainable combination of economic, social, and natural environmental conditions in an increasingly global and commercial civilization. The Sustainable Enterprise Model (SEM) proposes that the most promising solutions to these problems may lie in entrepreneurial business innovation, and that businesses can create greater value, even for themselves and their shareholders, by fully integrating environmental, social, and economic value dimensions into their business model. Richard Andrews proposes that if the world is to become more sustainable, financial and investment institutions must themselves become "sustainable enterprises," and suggests several recommendations for action by the finance and investment community.