In a large skillet, heat the coconut oil over medium heat. Add the diced onion and sauté until it becomes translucent, about 5 minutes.
Stir in the minced garlic and grated ginger, cooking for another minute until fragrant.
Add the chopped bell pepper and cook for 3-4 minutes or until slightly softened.
Sprinkle in the curry powder, ground cumin, and turmeric, stirring well to coat the vegetables. Sauté for 1-2 minutes to intensify the spices.
Pour in the coconut milk and add the drained chickpeas. Stir well to combine all ingredients.
Bring the mixture to a gentle simmer, cooking for about 10 minutes to allow flavors to meld.
If using frozen spinach, add it at this stage and stir until defrosted. If using fresh spinach, add it just a few minutes before serving, allowing it to wilt.
Season with salt and pepper to taste. Adjust spices or coconut milk according to preference.
Serve the curry over cooked rice or quinoa, garnished with fresh cilantro.