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Zainab Ath-Thaqafiyah (May Allah be pleased with her) the wife of 'Abdullah bin Mas'ud (May Allah be pleased with him) reported:

When Messenger of Allah (may the peace and blessings of Allah be upon him) told the women that they should give Sadaqah (charity), even if it should be some of their jewelry, I returned to 'Abdullah bin Mas'ud and said, "You are a man who does not possess much, and Messenger of Allah (may the peace and blessings of Allah be upon him) has commanded us to give Sadaqah. So go and ask him if giving to you will serve the purpose; otherwise, I shall give it to someone else." He asked me that I should better go myself. I went and found a woman of the Ansar at the door of Messenger of Allah (may the peace and blessings of Allah be upon him), waiting to ask a similar question as mine. The Prophet (may the peace and blessings of Allah be upon him) was endowed with dignity, and so we could not go in. When Bilal (May Allah be pleased with him) came out to us, we said to him: "Go to Messenger of Allah (may the peace and blessings of Allah be upon him) and tell him that there are two women at the door who have come to ask him whether it will serve them to give Sadaqah to their husbands and to orphans who are in their charge, but do not tell him who we are. Bilal (May Allah be pleased with him) went in and asked him, and Messenger of Allah (may the peace and blessings of Allah be upon him) asked him who the women were. When he told him that they were a woman of the Ansar and Zainab, he asked him which Zainab it was, and when he was told it was the wife of 'Abdullah bin Mas'ud, he (may the peace and blessings of Allah be upon him) said, "They will have a double reward, one for maintaining the ties of kinship and another for Sadaqah". 

[Al-Bukhari and Muslim]

The Prophet (may the peace and blessings of Allah be upon him) used to address women after he finished preaching men, since they are the counterparts of men so that he reminds them of the good deeds and let them feel the responsibility of spending for the sake of Allah and feeding the poor. Just as men do, as long as they have surplus money to spend from.

In this speech, women find a sweetness that leads them to hear and obey more than men sometimes, and they rush to do the good deeds and compete with men in performing prayer, fasting, zakah and all the other acts of worship.

Women are more emotional than men, they feel compassionate for the relatives, orphans, and the poor. The  good women are more motivated than many men to spend in charity so as to have their sins expiated.

The saying of the Prophet (may the peace and blessings of Allah be upon him): " Spend in charity, even to spend from your Jewelry." He encourages them to spend some of their wealth voluntarily to the poor, orphans and the needy in order to draw closer to Allah. Even if they will spend from their jewelry which is the dearest of the woman property. Women hardly sell their jewelry because they boast of it. However, the Messenger of Allah(may the peace and blessings of Allah be upon him) wanted to say to them: Do not spare any of your money no matter how it is dear to you; the Hereafter is better and more lasting. The slave will not reach the noble ranks unless he spends from what he likes.

It is possible that the saying of the Prophet (may the peace and blessings of Allah be upon him): " Spend in charity, even to spend from your Jewelry." Intends to cut off their excuses for withholding the charity in the sense that any woman can simply spend from her jewelry, even if the jewelry is something that a woman can not replace it with something else or dispense with.

As for charity, its reward depends on the sincerity of the one who spends, according to his financial state.

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