MAR
07
Ramadan 2026: Healthy Spiritually and Financially
Saturday, 07 March 2026
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The month of Ramadan is always a special moment of worship for Muslims, closely associated with sharing and togetherness. Social activities such as breaking the fast together (bukber), sharing hampers, and preparing for the homecoming journey (mudik) have become traditions that strengthen relationships among family members, friends, and colleagues. However, behind this warmth, expenses during Ramadan often increase compared to other months.A lecturer at Universitas Hayam Wuruk Perbanas, Evi Sistiyarini, S.E., M.M., reminded the public of the importance of maintaining financial health while engaging in various activities during Ramadan. “During Ramadan, there are many expenses we tend to incur, such as bukber gatherings, hampers, Eid preparations, or even purchasing tickets for the homecoming trip. The question is whether we have managed our financial condition properly or not. This is what we need to pay attention to in the context of financial health,” she explained.
According to her, from the perspective of Islamic finance, financial health is not only measured by financial stability, but also by the halal source of income and wise financial management. “In Islamic finance, it is not only about financial stability, but also about ensuring that the source of income is halal. We should manage our finances wisely, avoid riba (usury), refrain from excessive spending, and still be able to share with others,” explained the undergraduate Management lecturer at the Faculty of Economics and Business, UHW Perbanas.
She suggested that there are several simple strategies that people can apply to maintain healthy financial conditions during Ramadan. The first step is to create a specific financial plan for the month of Ramadan. With a clear budgeting plan, individuals can control various additional expenses that usually arise during this period. “The first step is to create a financial plan during Ramadan. By doing so, we can identify our priority needs and avoid uncontrolled spending,” Evi said.
Furthermore, she emphasized the importance of prioritizing zakat obligations before allocating funds for other needs. “Do not forget to prioritize zakat, which is 2.5 percent of our total income, and also set aside some funds for infaq and sadaqah,” she stated.
In addition, people are also advised to continue allocating funds for savings and emergency funds, even though expenses tend to increase during Ramadan. “Allocate funds for savings, for example around 20 percent for savings and emergency funds,” she added.
With the widespread Ramadan promotions and discounts, Evi reminded the public to be wiser in spending. Discounts often trigger impulsive purchases that are actually unnecessary. “Amid the many Ramadan promotions and discounts, ask yourself whether you truly need the product and whether your balance is sufficient. If not, then postpone the expenditure,” she emphasized.
Social lifestyles such as breaking the fast together can still be maintained, but they need to be limited so as not to disrupt financial conditions. “Set a spending limit for breaking-the-fast gatherings. For example, allocate around 10 percent of your income, and be brave enough to say stop if it exceeds that limit,” she explained.
She also encouraged people to simulate their financial condition after Ramadan ends, especially ahead of Eid. “Create a simulation of your financial condition after Ramadan. Is your balance still sufficient? If it turns out to be insufficient after Eid, then we need to readjust our spending during Ramadan,” she said.
In the end, Ramadan is not only a moment to improve the quality of worship, but also an opportunity to practice self-control in many aspects of life, including financial management. “Ramadan teaches self-control. Let us make this moment not only spiritually healthy, but also financially healthy,” Evi concluded. (eko/hms)
