Capital 6 · Financial
Financial Capital
Dignity in service requires financial stability.
Definition
Personal financial discipline — budget, savings, emergency fund, Takāful, halal investment, retirement, cash flow.
Objectives
Eliminate ribā-based debt
Build at least a 3-month emergency fund
Establish multiple halal income streams
Components
Budget
Savings
Emergency Fund
Takāful
Halal Investment
Retirement
Cash Flow
Zakāh & Ṣadaqah
KPIs
Savings rate (%)
Emergency-fund months
Number of income streams
Recommended Actions
Adopt a monthly budget
Build the emergency fund
Set 1/3/5-year financial goals
Reflection Prompts
Am I free enough financially to say no when I must?
Evidence to Maintain
Monthly budget
Net-worth statement
Will (waṣiyyah)
Part of the Onike Framework Ecosystem
OFESI™ · The Onike Framework for Economic Sustainability of Imams
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