Personal development

Have you invested in your Emotional Bank account?

Asgar-DhanjiThe writer, Asgar Jafferali Dhanji (Dar es Salaam, Tanzania) served as the Secretary-General of the Africa Federation for two – 3-years terms.  He served as JIBA Vice Chairman – with a particular passion to raise funds and offer Micro Finance to our Community – for low-income, underprivileged, startups, Business loans, individuals, and small enterprises — thereby giving opportunities to grow economically.  He is the founder of Imaan Finance Ltd — the First Islamic Finance Institution in Tanzania.  and has also served in Dar es Salaam Jamaat’s Arbitration Committee as well as a Board member of Ebrahim Haji Charitable Hospital – with a particular passion for the project of building the new hospital.  He is now a motivational/Inspirational speaker giving regular Saturday Fajr lectures at Dar Imambara.


Personal development


inancial Bank accounts help us navigate our finances. We make sure we have enough balance for our needs.

An Emotional Bank account works in the same way as a financial Bank account, except you cannot see it and harder to track

So how do you deposit into an Emotional Bank account – which apparently everyone has to have, regardless?

You deposit through courtesy, kindness, honesty, and keeping your commitments and promises -this way you build a reserve.

Your trust towards another person becomes higher and you can recall that trust as many times as you may need it.

You may make a mistake and that trust level (emotional reserve) will compensate for it.

More so, if you need to withdraw (ie: if you have an argument or a fight, misunderstanding, or any negative withdrawal, it does not feel too bad because you know you have enough balance and that you will not end up in the red.

When the Trust account is high, communication is easy, instant,and effective.

How do you make other deposits in an Emotional bank .

1. Appreciate whenever necessary, and give your partner, spouse, Co-workers and others, compliments.

2. Respond positively to everyone.

3. Spend quality time with spouse, family friends -send messages that they are important.

4. Support emotionally loved ones, and everyone.


We all have hard moments in life. Listen, provide empathy and support .

How many of us understand, reflect and emphasise this unique bank account?

Apparently, in today’s times mistrust, respect, and integrity is diminishing due to more attention on materialism, greed and bad social media influence -these are just a few to mention.


“The magic ratio”- Dr John Gottman’s research shows that couples need five positive interactions for every negative interaction, just to break even. You need 20 positive interactions to outweigh 1 negative!

Investment in Emotional Bank account is a must for everyone!

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