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Debt Management


Debt Management


Maintaining your financial health is like keeping in good physical shape - both require careful planning, personal discipline and good habits.

Ways to manage your budget effectively:

- Track your Income including sources and frequency

- Be careful about borrowing too much. Borrowing too much or bad debts can leave you in financial stress

- Pay your bills on time every month and track all expenses including annual payments

- Keep aside money for saving and emergencies

Managing your debt effectively is important. Even if you just owe a little, always make payments on time to keep your debt under control. It is important that you understand Income, expenses and obligations better and take decisions accordingly.

It is simple and you can track these items on excel through the Self Help Tool/ Calculator*

*Self Help tool will give you a clear picture of where your money is going, and how to manage your repayments most effectively.   

Download Self Help Tool/Calculator

Total Average Monthly Income to be more than Total Average Monthly Spend

If your average monthly spend is more than the average monthly income amount, you must reduce your spends.

Debt problems must be handled promptly. Ignoring the problem will not make it go away, but will only make things worse. Additional profit and/or penalty/late payment charges can add up quickly if you get behind on repayments. Your Credit score can also suffer if you miss paying your monthly bill/payment. For Fees and Charges, Click Here

If you sense that your debt problems are difficult to resolve and getting out of control and want to discuss your payment issues, SIB have a dedicated team of Debt Counsellors to assist you.


Timings: 8.00 a.m. to 3.30 p.m. Monday to Thursday & 8:00 a.m. to 11:00 a.m. Friday

Contact Details:

1-  Alia Jadah                   
Email :  [email protected]
Contact Number: 065999708

2-  Ahmed Elhawary     
Email :  [email protected]
Contact Number: 065999733

3-  Mohamed Fayez      
Email:  [email protected]
Contact Number: 065999711                

4-  Ahammed Abduljaleel      
Email:  [email protected]
Contact Number: 065998426


Refinancing your finance may take longer to pay off than your previous finance and may result in paying more profit

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