When we speak about women, Islam, and financial empowerment, we speak boldly because gone are the days women take the back seat. Today, women are no longer waiting to be given a seat at the table; they are taking up space, making strategic moves, and building lasting legacies.

So… What about you?

Dear Woman, 
This Ramadan, as you reflect, pray, and fast, also ask yourself: Are you investing in your financial future with the same discipline and commitment that you invest in your faith? Because in Islam, financial independence is not just a right. it is a responsibility.

If you’re a woman reading this, understand that financial empowerment for you goes beyond just having money to sort your basic needs. Financial empowerment for you is about security, independence, and even to impact the spaces and places you find yourself. 

The Link Between Ramadan, Women, and Financial Discipline

Ramadan is a period of sacrifice and delayed gratification, much like investing. The ability to forego immediate pleasures for greater future rewards is a key principle in both fasting and wealth creation. Below are some of the key links between finance and Ramadan: 

• Budgeting: Just as meal planning during Ramadan ensures a balanced diet and sustainable energy, financial planning ensures sustainable wealth and security. Smart budgeting helps women take control of their financial future.

• Avoiding Overindulgence: Overeating after fasting can lead to discomfort, just as reckless spending after payday, impulse buying,  or emotional investing can lead to financial instability. Moderation is key, whether it’s at Iftar or in managing your portfolio.

• Giving with Purpose:  Zakat (charity) is an essential pillar of Islam, reminding us that wealth should be used for positive impact. This is not new to women because historically, women have historically been key contributors to society through philanthropy, and as a woman, when you take investing serious, you can  grow your wealth to give more, and create more lasting change.

  The beautiful thing is that Islam has always recognized the financial rights of women. From Khadijah (RA), the wife of the Prophet Muhammad (PBUH) and a successful businesswoman, to modern Muslim women navigating entrepreneurship and investing, the role of women in financial decision-making is undeniable. Overtime, Muslim women have earned, invested, and built wealth in many ways, and today,  women in Islam still have that same right to earn, inherit, and invest their wealth, take charge of their financial well-being, and ensure stability for themselves and future generations.

  Much like fasting trains the mind to resist immediate gratification for greater rewards, investing helps women build sustainable wealth, allowing them to support their families and contribute meaningfully to society. Whether through investment options like property  acquisitions, bonds, or  treasury bills,  one of the most secure ways to accumulate wealth over time, is strategic investing in the stock market. The stock market is filled with a lot of investment opportunities that can help you grow your money for the long-term. The good thing is that it is easy to start trading stocks, even if you’re a beginner. Just download ARM One on your Google Play Store or App Store, signup, and start investing! 

  Another powerful path to financial independence that enable women to create wealth while making a lasting impact in their communities is Entrepreneurship. 
  Starting a business is more than just an income stream. It is a means of securing long-term financial stability and taking control of one’s financial future. In a world where financial independence is crucial, women who venture into entrepreneurship gain the flexibility to balance personal, professional, and spiritual commitments while building something of lasting value. The digital economy has made it even easier, with opportunities in e-commerce, content creation, consulting, and various online services providing accessible entry points into business ownership.  
  
  Finally, every Muslim woman should have a retirement fund. A retirement fund ensures that you are financially secure in later years, allowing you to enjoy life with peace of mind. Just as Ramadan teaches long-term vision and spiritual rewards, retirement planning is about ensuring financial stability and security in the future. Women live longer on average, making it even more critical to have a well-thought-out retirement strategy. Investing in not just pension funds, but diversifying your assets to include ethical investments, real estate, stocks, etc.  can provide a steady income stream post-retirement, ensuring that financial independence continues well into later years.
  

  In a nutshell, Ramadan is not just about abstaining from food; it’s about discipline, wisdom, and purpose. The same principles that drive financial success. This month, as you reflect on your spiritual and personal growth, also consider your financial future. 

  So, as you break your fast and embrace the lessons of Ramadan, ask yourself: Are you investing in your future both spiritually and financially? The best time to start is now. You can start small and build momentum from there.

  Dear woman,
  Start now, take up space, build your wealth, and secure your legacy.