The Central Bank of Oman is stepping up efforts to widen financial inclusion across the Sultanate through its “She and Money” programme, aimed at improving financial awareness among Omani women.
Working alongside NGOs and community-based organisations, the initiative is designed to reach women in different regions — particularly those in rural communities where access to financial training may be more limited. The programme seeks to help participants manage their income more confidently, improve day-to-day budgeting and, ultimately, build greater economic independence.
By relying on partnerships with civil society groups that already have strong local networks, the Central Bank of Oman hopes the programme will reach a broader pool of participants. Officials say this model supports delivery at scale, while ensuring that training is relevant to community needs and produces measurable benefits for households.
A key element of “She and Money” is practical education around saving habits, budgeting techniques and responsible spending. Sessions also highlight responsible finance, the dangers of unplanned borrowing and introduce participants to basic, safe investment concepts that suit their circumstances and risk tolerance.
The intention is to equip women with the knowledge to make considered financial decisions, which can help stabilise household finances and reduce vulnerability to economic shocks.
According to the Central Bank of Oman, women’s financial empowerment is viewed as crucial to wider national development. Strengthening financial capability at the individual level is expected to contribute to more secure families and a more resilient economy able to adapt to future challenges.
As participation grows and more associations join the effort, officials say the programme is already showing signs of creating a more informed and confident financial culture among women. The Bank highlights that supporting financial independence today lays groundwork for longer-term prosperity — for individuals, families and the broader economy.
The programme continues to expand gradually across the Sultanate, with organisers emphasising that building financial confidence among women is central to creating a society where more people are equipped to plan, save and invest for the years ahead.
