Renting and subletting property in South African city is a lifeline for Somalian refugees. AP
Renting and subletting property in South African city is a lifeline for Somalian refugees. AP
Renting and subletting property in South African city is a lifeline for Somalian refugees. AP
Renting and subletting property in South African city is a lifeline for Somalian refugees. AP

Johannesburg property offers fragile hope for Somali women


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In the hallway of a large, brick-face apartment block in Johannesburg, Halima Jawahir greets her tenants, a group of six Somali women drying their henna-painted hands in the sunlight streaming through the windows.

After fleeing ongoing civil war in her native Somalia in 2016, Ms Jawahir is now reinventing herself as a property mogul in the Mayfair neighbourhood in Johannesburg, South Africa's biggest city.

She rents an entire building of more than 100 flats from a South African landlord, before sub-dividing them into rooms, and subletting them to other mainly Somali and Ethiopian refugees.

But as a refugee without documentation, Ms Jawahir is also breaking the law by subletting flats - a risk worth taking, she said, to save up enough to one day own her own property.

"I am a widow, so I have to look after myself," said the 45-year-old, as she sat on the couch in her second-floor flat.

The United Nations estimates that at least 30,000 Somali refugees live in South Africa.

The country is wrestling with a huge backlog of asylum applications, according to human rights groups, leaving many refugees waiting months or even years for the authorisation to work, go to school and find a place to live.

Faced with this legal and economic uncertainty, some Somali women are challenging social norms and navigating the male-dominated property market in the hope that, one day, they will have the security that comes with owning a place of their own.

Ms Jawahir's building is one of about a dozen properties in Mayfair that are being rented and then sublet by Somali refugee women, according to the Somali Community Board of South Africa.

For renters, subletting provides a stable source of income, and for their tenants it is often the only way they can afford a place to live, said Ms Jawahir.

This is especially true for refugee women, many of whom are running their households and raising their children alone as they wait in limbo to be granted refugee status.

"Undocumented migrants do not qualify for government housing or subsidies and the impact of this overburdens mothers," said Tiffany Ebrahim, a researcher at the Socio-Economic Rights Institute of South Africa, a human rights organisation.

"And the private [housing] market is inaccessible because it is so expensive, forcing people to fall back on solutions that are temporary with little security of tenure."

Ms Jawahir, whose name was changed to protect her identity, said that "as refugees and as women, we are always hustling".

She left Mogadishu for South Africa in 2016, after men robbed her at gunpoint at her home, killing both of her parents.

"One bullet is still in my elbow," she said, pointing to scars across her arms and legs. "It makes it difficult to lift heavy things."

Once she was settled in Mayfair - a neighbourhood so popular with the Somali diaspora that it is known as Little Mogadishu - Ms Jawahir took the same route as other female Somali refugees in the area and set up her own business subletting flats.

To supplement the rental income, she uses her contacts in Saudi Arabia, Dubai and East Africa to import perfumes, jewellery, honey and shoes to sell in both stores and markets in Mayfair. She also sells mobile phone credit to passersby.

At the end of each month, Ms Jawahir said she sends about $350 (Dh1,285) home to her family in Mogadishu, the Somalian capital.

Any extra money is put aside for future needs, including the possibility of one day buying the property she now rents out.

"If my husband was alive, he would be happy for me," Ms Jawahir said. "Look at me, I am alone but empowered. I did this all by myself."

Although subletting is legal in South Africa, doing so without proper documentation showing asylum or refugee status could lead to evictions - for both the original tenant and the subletter, Ms Jawahir said.

And many have no other option, noted Abigail Dawson from the Consortium for Refugees and Migrants in South Africa.

"We find that it is easier for many to fly under the radar, as the process of becoming 'legal' is such hard work," she said, referring to the backlog of refugee status appeals not yet processed by the government.

The Department of Home Affairs and the South Africa Human Rights Commission were not available for comment.

For Somali women in South Africa, many of whom lack a basic education and have no legitimate job prospects, the risk of subletting to others is worth it for the chance to one day own their own home, said Omar Muhammad from the Somali Community Board.

"Many of them [Somali refugees] cannot even speak English, so have little freedom to find opportunities outside their community," he said at his office in Mayfair.

"Property ownership is a dream for many, because it would mean full independence."

The benefits that refugees get from owning property are not limited to money, added Ms Ebrahim from the Socio-Economic Rights Institute.

"Location is everything," she said. "Having a secure place to live could be linked to accessible hospitals, schools, economic opportunities and most importantly, social networks that are needed in difficult times."

Indhonuroon Farah brought her five children to South Africa from Somalia 10 years ago, after her husband was killed in clashes between Somali clans when returning from work.

She managed to secure her refugee documentation soon after - this was before the height of the application backlog - which meant she could send her children to school.

"I arrived here with nothing and no one," said Ms Farah, sitting behind the counter of her shop in Mayfair, where she sells fabrics, shoes, Kenyan honey and beaded bracelets.

"I would sell goods in townships all over South Africa and eventually made enough money to buy a property in Somalia," she said, adding that it is more socially acceptable and affordable for women to own property in her home country.

She now rents that property out for extra income. Eventually, she wants to do the same in her adopted home.

"If I had more money, I would buy in South Africa too," she said. "Then, when I die, I would have something to give my children here."

As she spoke, an elderly beggar walked into her shop on crutches, asking for donations. Ms Farah paused to open a drawer and pulled out a bag of porridge for the man.

"If you have something, you must share with others," she said, smiling.

"This is just how women must think. We can be mothers, shop owners, or landlords. It is how we have got through harder times."

The Birkin bag is made by Hermès. 
It is named after actress and singer Jane Birkin
Noone from Hermès will go on record to say how much a new Birkin costs, how long one would have to wait to get one, and how many bags are actually made each year.

Infiniti QX80 specs

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Power: 450hp

Torque: 700Nm

Price: From Dh450,000, Autograph model from Dh510,000

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Business Insights
  • As per the document, there are six filing options, including choosing to report on a realisation basis and transitional rules for pre-tax period gains or losses. 
  • SMEs with revenue below Dh3 million per annum can opt for transitional relief until 2026, treating them as having no taxable income. 
  • Larger entities have specific provisions for asset and liability movements, business restructuring, and handling foreign permanent establishments.
EMIRATES'S%20REVISED%20A350%20DEPLOYMENT%20SCHEDULE
%3Cp%3E%3Cstrong%3EEdinburgh%3A%3C%2Fstrong%3E%20November%204%20%3Cem%3E(unchanged)%3C%2Fem%3E%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EBahrain%3A%3C%2Fstrong%3E%20November%2015%20%3Cem%3E(from%20September%2015)%3C%2Fem%3E%3B%20second%20daily%20service%20from%20January%201%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EKuwait%3A%3C%2Fstrong%3E%20November%2015%20%3Cem%3E(from%20September%2016)%3C%2Fem%3E%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EMumbai%3A%3C%2Fstrong%3E%20January%201%20%3Cem%3E(from%20October%2027)%3C%2Fem%3E%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EAhmedabad%3A%3C%2Fstrong%3E%20January%201%20%3Cem%3E(from%20October%2027)%3C%2Fem%3E%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EColombo%3A%3C%2Fstrong%3E%20January%202%20%3Cem%3E(from%20January%201)%3C%2Fem%3E%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EMuscat%3A%3C%2Fstrong%3E%3Cem%3E%20%3C%2Fem%3EMarch%201%3Cem%3E%20(from%20December%201)%3C%2Fem%3E%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ELyon%3A%3C%2Fstrong%3E%20March%201%20%3Cem%3E(from%20December%201)%3C%2Fem%3E%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EBologna%3A%3C%2Fstrong%3E%20March%201%20%3Cem%3E(from%20December%201)%3C%2Fem%3E%3C%2Fp%3E%0A%3Cp%3E%3Cem%3ESource%3A%20Emirates%3C%2Fem%3E%3C%2Fp%3E%0A

Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.

Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.

Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.

Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.

“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.

Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.

From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.

Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.

BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.

Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.

Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.

“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.

Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.

“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.

“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”

The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”

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Dibba v Al Dhafra, Fujairah Stadium (5pm)
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Friday
Al Nasr v Ajman, Zabeel Stadium (5pm)
Al Jazria v Al Wasl, Mohammed Bin Zayed Stadium (8pm)

Saturday
Emirates v Al Ain, Emirates Club Stadium (5pm)
Sharjah v Shabab Al Ahli Dubai, Sharjah Stadium (8pm)

The specs: 2018 Kia Picanto

Price: From Dh39,500

Engine: 1.2L inline four-cylinder

Transmission: Four-speed auto

Power: 86hp @ 6,000rpm

Torque: 122Nm @ 4,000rpm

Fuel economy, combined: 6.0L / 100km

Jeff Buckley: From Hallelujah To The Last Goodbye
By Dave Lory with Jim Irvin

Name: Peter Dicce

Title: Assistant dean of students and director of athletics

Favourite sport: soccer

Favourite team: Bayern Munich

Favourite player: Franz Beckenbauer

Favourite activity in Abu Dhabi: scuba diving in the Northern Emirates 

 

AI traffic lights to ease congestion at seven points to Sheikh Zayed bin Sultan Street

The seven points are:

Shakhbout bin Sultan Street

Dhafeer Street

Hadbat Al Ghubainah Street (outbound)

Salama bint Butti Street

Al Dhafra Street

Rabdan Street

Umm Yifina Street exit (inbound)

Virtuzone GCC Sixes

Date and venue Friday and Saturday, ICC Academy, Dubai Sports City

Time Matches start at 9am

Groups

A Blighty Ducks, Darjeeling Colts, Darjeeling Social, Dubai Wombats; B Darjeeling Veterans, Kuwait Casuals, Loose Cannons, Savannah Lions; Awali Taverners, Darjeeling, Dromedary, Darjeeling Good Eggs

RACE SCHEDULE

All times UAE ( 4 GMT)

Friday, September 29
First practice: 7am - 8.30am
Second practice: 11am - 12.30pm

Saturday, September 30
Qualifying: 1pm - 2pm

Sunday, October 1
Race: 11am - 1pm

About Tenderd

Started: May 2018

Founder: Arjun Mohan

Based: Dubai

Size: 23 employees 

Funding: Raised $5.8m in a seed fund round in December 2018. Backers include Y Combinator, Beco Capital, Venturesouq, Paul Graham, Peter Thiel, Paul Buchheit, Justin Mateen, Matt Mickiewicz, SOMA, Dynamo and Global Founders Capital

Aston martin DBX specs

Engine: 4.0-litre twin-turbo V8

Transmission: nine-speed automatic

Power: 542bhp

Torque: 700Nm

Top speed: 291kph

Price: Dh848,000

On sale: Q2, 2020
 

Results:

6.30pm: Handicap (Turf) | US$175,000 2,410m | Winner: Bin Battuta, Christophe Soumillon (jockey), Saeed bin Suroor (trainer)

7.05pm: UAE 1000 Guineas Trial Conditions (Dirt) | $100,000 1,400m | Winner: Al Hayette, Fabrice Veron, Ismail Mohammed

7.40pm: Handicap (T) $145,000 1,000m | Winner: Faatinah, Jim Crowley, David Hayes

8.15pm: Dubawi Stakes Group 3 (D) $200,000 1,200m | Winner: Raven’s Corner, Richard Mullen, Satish Seemar

8.50pm: Singspiel Stakes Group 3 (T) $200,000 1,800m | Winner: Dream Castle, Christophe Soumillon, Saeed bin Suroor

9.25pm: Handicap (T) $175,000 1,400m​​​ | Winner: Another Batt, Connor Beasley, George Scott

The%20specs%20
%3Cp%3E%3Cstrong%3EEngine%3A%20%3C%2Fstrong%3E2.0-litre%204cyl%20turbo%0D%3Cbr%3E%3Cstrong%3EPower%3A%20%3C%2Fstrong%3E261hp%20at%205%2C500rpm%0D%3Cbr%3E%3Cstrong%3ETorque%3A%20%3C%2Fstrong%3E400Nm%20at%201%2C750-4%2C000rpm%0D%3Cbr%3E%3Cstrong%3ETransmission%3A%20%3C%2Fstrong%3E7-speed%20dual-clutch%20auto%0D%3Cbr%3E%3Cstrong%3EFuel%20consumption%3A%20%3C%2Fstrong%3E10.5L%2F100km%0D%3Cbr%3E%3Cstrong%3EOn%20sale%3A%20%3C%2Fstrong%3ENow%0D%3Cbr%3E%3Cstrong%3EPrice%3A%20%3C%2Fstrong%3EFrom%20Dh129%2C999%20(VX%20Luxury)%3B%20from%20Dh149%2C999%20(VX%20Black%20Gold)%3C%2Fp%3E%0A
Desert Warrior

Starring: Anthony Mackie, Aiysha Hart, Ben Kingsley

Director: Rupert Wyatt

Rating: 3/5