1. Financial empowerment for women - UAE

On Monday 11th September, I will be doing a show on Dubai Eye 103.8FM, 11am to midday, and I will be talking about real female empowerment, financial empowerment, and how women can look after themselves and their families.  This survey is designed to find out where the gaps are and what specific advice I need to focus on to best help people.

As an Independent Financial Adviser, one of my priorities is ensuring that women are financially aware and that they, and their families, are looked after no matter that happens in life.

The laws in the UAE are very different to those of many of our home countries so it is important to be aware of what can happen in the event of death, serious illness and even job changes. There are steps that can be taken to minimise difficulties and protect families but people need to be aware of their options.

All information is treated in the strictest confidence and your help in  completing this will be much appreciated. You do not need to give your name and can remain anonymous. The survey should only take a few minutes.


* 1. Are you a woman?

* 2. What is your age?

* 3. What is your marital status?

* 4. What is your nationality?

* 5. Do you have any children?

* 6. Which of the following categories best describes your employment status?

* 7. In the UAE do you have?   (multiple responses permitted)

* 8. Do you have access to cash that is outside the UAE?

* 9. Do you have an offshore bank account?

* 10. Have you written a will?

* 11. If you have young children and only have a home country will, have you organised formal temporary guardianship for them in the event of both parents dying?

* 12. Who is the main earner in your family?

* 13. Do you have debts apart from a mortgage such as credit cards or personal loans?

* 14. Do you have enough cash savings set aside to cover your outgoings for at least three months?

* 15. Do you have life insurance in place?  (please ignore any cover provided by an employer)

* 16. In the event that your husband dies, and his income ceases, do you feel that you would be in a comfortable financial position?

* 17. Are you aware that in the event of death all assets in the name of the deceased, including any in joint names, are frozen? (This can happen very quickly and may not be accessed for a long time.)

* 18. Are you aware that Sharia law applies to all assets in the UAE (unless a DIFC will is in place) and that a spouse is not the primary beneficiary? 

* 19. Do you feel that you have a good understanding of your family finances?

* 20. Do you feel that you could have a better understanding of personal financial matters?

* 21. Do you feel that the financial services industry, including banks and financial advisers, are more focused on the needs of men?

* 22. Do you think that the needs of women, when it comes to financial planning and other financial issues, are different to those of men?

* 23. Have you ever been ignored, overlooked or talked down to by any financial professional?

* 24. When it comes to discussing financial issues with a professional do you have any preference who you deal with? (Assuming they are properly qualifed.) 

* 25. Are you happy that all your finances are in the best possible shape? 

* 26. Do you wish to be contacted in respect of any personal financial planning issue?