Amid the global turmoil brought about by the largest health crisis in a generation, many people crystallised their entrepreneurial ambitions in 2020 and launched businesses.
Whether prompted by job uncertainty or an urge to re-wire career destiny, plenty of people in the UAE steered a course through the pandemic towards self-employment.
For friends Lisa Lazarus and Hannah Bradley, the retail disruption of Covid-19 presented the ideal timing to raid savings and finally unfurl their business dream.
The Dubai-based Britons had been laying the groundwork for their online fashion boutique Hi Maintenance for two years.
But the pandemic additionally motivated the business partners, who first met in London, to launch their platform last summer as trends towards e-commerce ramped up.
“A pandemic doesn’t mean business stops,” says Ms Lazarus, a former Miss Great Britain and aesthetic practitioner from Wales.
“We consider ourselves lucky that we had already been working on Hi Maintenance and were finally ready to launch in July [last year].
“In addition to building a concept and business with long-term strategy, we knew that during this pandemic, many people are working from home and online more.”
Ms Bradley, a human resources global director with a private equity and real estate firm, acknowledges starting a new business carries risks, even at the best of times.
“We tailored our launch and marketing strategy to be sensitive to the global pandemic, and to ensure we are in a prime position to offer the best service to our customers as we emerge out of unprecedented times, hopefully stronger, wiser and more appreciative.
“We are confident exciting times are ahead for e-commerce.”
Hi Maintenance was inspired by a shared love of fashion and entrepreneurial appetite, the women say. And frustration with waiting times to receive online shopping orders in Dubai.
“We knew our friends were experiencing the same,” Ms Bradley says.
We tailored our launch and marketing strategy to be sensitive to the global pandemic
“We also identified a gap in the UAE market for stylish, yet affordable, high-quality, luxurious evening wear, which could be delivered as quickly as same/next day, and just as easily returned.
“Having spent many years in the UAE, we understand the love of glamour and style and the wide array of social activities and events, which drives the constant need for that perfect outfit.”
The duo also wanted women of all shapes and sizes to look and feel their best, so made body positivity and inclusion prominent in their business model and garment range.
Thus far, the friends have self-funded Hi Maintenance, but say they’re open to discussions with investors who “share our values, vision and enthusiasm” in order to grow the business.
“Online shopping is the future,” says Ms Lazarus, who previously ran a modelling agency.
“We are proud we have come so far without outside investment … and are refining our strategy for 2021 in light of the ‘new normal’ we are now living in.
“We are taking time to engage with customers on a deeper level and build brand awareness so as the global economic situation improves we are at the forefront of online boutiques in the UAE.”
Cyrus Alavi and two childhood friends also dipped into savings to bootstrap their sustainable, re-sealable canned water business.
So keeping NÜWATER lean during uncertain times was key. Among efforts to tether costs was managing digital marketing in-house.
The beverage disruptor launched in October last year and has enjoyed “a great start” as it swiftly found other environmentally conscious mindsets.
But former Apple engineer Mr Alavi, 30, says the process of introducing any new F&B brand to market comes with challenges, regardless of a pandemic.
“Launching a mineral water product in the UAE requires special regulatory approval to ensure the highest standards and quality,” he says. “The process took longer than we had anticipated.”
Mr Alavi, also previously part of Australian aerospace electric engines disruptor magniX, says Covid-19 prompted NÜWATER to initially delay launching until late 2020 “given that we were in the height of the pandemic in March”.
But the business catalyst – to reduce reliance on single-use plastic – remained paramount. Coming a year after Mr Alavi and his co-founders began planning how to combat plastic bottle use, they felt an increasing urgency to launch their sustainable alternative.
“More than eight million tonnes of plastic are dumped into oceans every year,” Mr Alavi says. “We wanted to create a product that had all the convenience of plastic bottles without the detrimental impact.
A lot of contacts for logistics, e-commerce and marketing have come from conversations with local start-ups sharing knowledge
“We knew the issue around the growing number of bottles would not diminish, so we decided to push ahead to help drive sustainability in our community without [further] delay.”
Central to the brand is an innovative lid that allows consumers to re-seal NÜWATER cans after opening.
The pandemic meant in addition to wholesale and Horeca (hotel, restaurants, catering) channels, the company also launched direct-to-consumer (DTC) as it saw growing numbers shopping online.
Although, Mr Alavi admits, one of the biggest challenges was around the education of sustainability and “why an infinity recyclable beverage container, such as aluminium, was a better option for the environment and consumer”.
Like the Hi Maintenance founders, who called on like-minded entrepreneurs and “women supporting women” through female-run UAE groups such as That Dubai Girl and Female Fusion, NÜWATER also found early support from fellow recent start-up Hopi, an online contact lens provider.
“They introduced us to a community of DTC start-ups in the region so we could share experiences and support each other with challenges we faced,” Mr Alavi adds.
“A lot of contacts for logistics, e-commerce and marketing have come from conversations with local start-ups sharing knowledge.”
And plenty more have identified opportunity within Covid-19’s economic clouds to realise entrepreneurial aspirations, according to Dubai-based payment solution Zbooni.
Chief operating officer Ashraf Atia says the platform had already witnessed strong pre-pandemic growth, but the crisis accelerated the trend for digital adoption among UAE enterprises.
“The challenges of 2020 refocused the strategies of businesses and the career goals of individuals,” he says.
“We’ve seen some amazing ideas flourish, from those pivoting to the opportunity of the situation to others who have finally taken the plunge with business ideas they long dreamed of.”
The challenges of 2020 refocused the strategies of businesses and the career goals of individuals
Zbooni, which has a range of digital tools to assist companies to interact, transact and engage with customers, reveals 2020 brought 600 per cent growth in business volume across its platform.
Co-founder and chief executive Ramy Assaf says this “stems from the unstoppable rise of Mena region’s entrepreneurs”.
“While 2020 was a tough year for many companies, businesses have risen to the challenge, with a seismic acceleration of SMEs going digital.”
That said, launching a new lifestyle membership programme amid pandemic restrictions was always going to present hurdles.
Designed initially as a cost-effective way of offering lifestyle benefits to SME employees, adv+ (advantage plus programme) was soft-launched in January 2020.
Like thousands of operations around the world, it was brought to an abrupt halt in early March, says lead project manager Viktoria Camp.
“While we did pause operations during the lockdown as all our partner venues closed, we were also able to spend time securing new partners who add value for adv+ and its members.
“We had to pivot our focus from corporate benefits to direct-to-consumers to adapt to the changing needs of the market.”
Ms Camp continues: “Pre-pandemic, our main target was to help businesses offer the same benefits as the largest employers in the region, however, soon after the lockdown ended, we have seen an incredible influx of individual inquiries.”
The pandemic has undoubtedly been a trial and a wake-up call for most of us
With software developed in-house, adv+ could control costs and react quickly to client and partner needs.
Ms Camp cites the membership card’s main focus as driving healthy living and relaxing family time. She says it is still in the process of building consumer trust, but can also drive business to merchants.
“It takes time and effort to ensure people believe in our brand and our product, especially while many businesses are still closing down,” Ms Camp adds.
“The pandemic has undoubtedly been a trial and a wake-up call for most of us.
“The downtime gave us a chance to get a better perspective on the business itself … it has created a unique opportunity to work with businesses and help them get back up and running.”
Certainly, adv+ could be in good company if Zbooni’s forecast of continued momentum for cloud kitchens, wellness and self-improvement, and more “at home services” are correct.
"Overall, many consumers are looking for homegrown products and services and we have witnessed momentum towards supporting local businesses rather than big multinational corporations," Mr Assaf adds.
“More than ever before, businesses in Mena are geared towards a digital future, and we are confident 2021 has the potential to be a great year for SMEs across the region.”
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Another way to earn air miles
In addition to the Emirates and Etihad programmes, there is the Air Miles Middle East card, which offers members the ability to choose any airline, has no black-out dates and no restrictions on seat availability. Air Miles is linked up to HSBC credit cards and can also be earned through retail partners such as Spinneys, Sharaf DG and The Toy Store.
An Emirates Dubai-London round-trip ticket costs 180,000 miles on the Air Miles website. But customers earn these ‘miles’ at a much faster rate than airline miles. Adidas offers two air miles per Dh1 spent. Air Miles has partnerships with websites as well, so booking.com and agoda.com offer three miles per Dh1 spent.
“If you use your HSBC credit card when shopping at our partners, you are able to earn Air Miles twice which will mean you can get that flight reward faster and for less spend,” says Paul Lacey, the managing director for Europe, Middle East and India for Aimia, which owns and operates Air Miles Middle East.
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COMPANY PROFILE
Name: Grubtech
Founders: Mohamed Al Fayed and Mohammed Hammedi
Launched: October 2019
Employees: 50
Financing stage: Seed round (raised $2 million)
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Directed by Sam Mendes
Starring Dean-Charles Chapman, George MacKay, Daniel Mays
4.5/5
COMPANY%20PROFILE
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Who's who in Yemen conflict
Houthis: Iran-backed rebels who occupy Sanaa and run unrecognised government
Yemeni government: Exiled government in Aden led by eight-member Presidential Leadership Council
Southern Transitional Council: Faction in Yemeni government that seeks autonomy for the south
Habrish 'rebels': Tribal-backed forces feuding with STC over control of oil in government territory
COMPANY PROFILE
● Company: Bidzi
● Started: 2024
● Founders: Akshay Dosaj and Asif Rashid
● Based: Dubai, UAE
● Industry: M&A
● Funding size: Bootstrapped
● No of employees: Nine
The view from The National
MEFCC information
Tickets range from Dh110 for an advance single-day pass to Dh300 for a weekend pass at the door. VIP tickets have sold out. Visit www.mefcc.com to purchase tickets in advance.
The specS: 2018 Toyota Camry
Price: base / as tested: Dh91,000 / Dh114,000
Engine: 3.5-litre V6
Gearbox: Eight-speed automatic
Power: 298hp @ 6,600rpm
Torque: 356Nm @ 4,700rpm
Fuel economy, combined: 7.0L / 100km
Company%20Profile
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Specs
Engine: Electric motor generating 54.2kWh (Cooper SE and Aceman SE), 64.6kW (Countryman All4 SE)
Power: 218hp (Cooper and Aceman), 313hp (Countryman)
Torque: 330Nm (Cooper and Aceman), 494Nm (Countryman)
On sale: Now
Price: From Dh158,000 (Cooper), Dh168,000 (Aceman), Dh190,000 (Countryman)
THE CLOWN OF GAZA
Director: Abdulrahman Sabbah
Starring: Alaa Meqdad
Rating: 4/5
FIXTURES
Monday, January 28
Iran v Japan, Hazza bin Zayed Stadium (6pm)
Tuesday, January 29
UAEv Qatar, Mohamed Bin Zayed Stadium (6pm)
Friday, February 1
Final, Zayed Sports City Stadium (6pm)
THE SPECS
Engine: 6.75-litre twin-turbocharged V12 petrol engine
Power: 420kW
Torque: 780Nm
Transmission: 8-speed automatic
Price: From Dh1,350,000
On sale: Available for preorder now
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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.
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Living in...
This article is part of a guide on where to live in the UAE. Our reporters will profile some of the country’s most desirable districts, provide an estimate of rental prices and introduce you to some of the residents who call each area home.
COMPANY PROFILE
Name: Kumulus Water
Started: 2021
Founders: Iheb Triki and Mohamed Ali Abid
Based: Tunisia
Sector: Water technology
Number of staff: 22
Investment raised: $4 million
UAE currency: the story behind the money in your pockets
EA Sports FC 24
'Nightmare Alley'
Director:Guillermo del Toro
Stars:Bradley Cooper, Cate Blanchett, Rooney Mara
Rating: 3/5
Results
Stage 5:
1. Jonas Vingegaard (DEN) Team Jumbo-Visma 04:19:08
2. Tadej Pogacar (SLO) UAE Team Emirates 00:00:03
3. Adam Yates (GBR) Ineos Grenadiers
4. Sergio Higuita (COL) EF Education-Nippo 00:00:05
5. Joao Almeida (POR) Deceuninck-QuickStep 00:00:06
General Classification:
1. Tadej Pogacar (SLO) UAE Team Emirates 17:09:26
2. Adam Yates (GBR) Ineos Grenadiers 00:00:45
3. Joao Almeida (POR) Deceuninck-QuickStep 00:01:12
4. Chris Harper (AUS) Team Jumbo-Visma 00:01:54
5. Neilson Powless (USA) EF Education-Nippo 00:01:56
2025 Fifa Club World Cup groups
Group A: Palmeiras, Porto, Al Ahly, Inter Miami.
Group B: Paris Saint-Germain, Atletico Madrid, Botafogo, Seattle.
Group C: Bayern Munich, Auckland City, Boca Juniors, Benfica.
Group D: Flamengo, ES Tunis, Chelsea, (Leon banned).
Group E: River Plate, Urawa, Monterrey, Inter Milan.
Group F: Fluminense, Borussia Dortmund, Ulsan, Mamelodi Sundowns.
Group G: Manchester City, Wydad, Al Ain, Juventus.
Group H: Real Madrid, Al Hilal, Pachuca, Salzburg.
RACECARD
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Other workplace saving schemes
- The UAE government announced a retirement savings plan for private and free zone sector employees in 2023.
- Dubai’s savings retirement scheme for foreign employees working in the emirate’s government and public sector came into effect in 2022.
- National Bonds unveiled a Golden Pension Scheme in 2022 to help private-sector foreign employees with their financial planning.
- In April 2021, Hayah Insurance unveiled a workplace savings plan to help UAE employees save for their retirement.
- Lunate, an Abu Dhabi-based investment manager, has launched a fund that will allow UAE private companies to offer employees investment returns on end-of-service benefits.
EMERGENCY PHONE NUMBERS
Estijaba – 8001717 – number to call to request coronavirus testing
Ministry of Health and Prevention – 80011111
Dubai Health Authority – 800342 – The number to book a free video or voice consultation with a doctor or connect to a local health centre
Emirates airline – 600555555
Etihad Airways – 600555666
Ambulance – 998
Knowledge and Human Development Authority – 8005432 ext. 4 for Covid-19 queries
COMPANY%20PROFILE
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The specs
Engine: 3.9-litre twin-turbo V8
Transmission: seven-speed
Power: 720hp
Torque: 770Nm
Price: Dh1,100,000
On sale: now
The most expensive investment mistake you will ever make
When is the best time to start saving in a pension? The answer is simple – at the earliest possible moment. The first pound, euro, dollar or dirham you invest is the most valuable, as it has so much longer to grow in value. If you start in your twenties, it could be invested for 40 years or more, which means you have decades for compound interest to work its magic.
“You get growth upon growth upon growth, followed by more growth. The earlier you start the process, the more it will all roll up,” says Chris Davies, chartered financial planner at The Fry Group in Dubai.
This table shows how much you would have in your pension at age 65, depending on when you start and how much you pay in (it assumes your investments grow 7 per cent a year after charges and you have no other savings).
|
Age
|
$250 a month
|
$500 a month
|
$1,000 a month
|
|
25
|
$640,829
|
$1,281,657
|
$2,563,315
|
|
35
|
$303,219
|
$606,439
|
$1,212,877
|
|
45
|
$131,596
|
$263,191
|
$526,382
|
|
55
|
$44,351
|
$88,702
|
$177,403
|
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Race card
5pm: Maiden (PA) Dh80,000 (Turf) 1,600m
5.30pm: Handicap (PA) Dh80,000 (T) 1,600m
6pm: Arabian Triple Crown Round-1 Listed (PA) Dh230,000 (T) 1,600m
6.30pm: Wathba Stallions Cup Handicap (PA) Dh70,000 (T) 1,400m
7pm: Maiden (PA) Dh80,000 (T) 1,200m
7.30pm: Handicap (TB) Dh100,000 (T) 2,400m
UAE currency: the story behind the money in your pockets
The Bio
Favourite vegetable: “I really like the taste of the beetroot, the potatoes and the eggplant we are producing.”
Holiday destination: “I like Paris very much, it’s a city very close to my heart.”
Book: “Das Kapital, by Karl Marx. I am not a communist, but there are a lot of lessons for the capitalist system, if you let it get out of control, and humanity.”
Musician: “I like very much Fairuz, the Lebanese singer, and the other is Umm Kulthum. Fairuz is for listening to in the morning, Umm Kulthum for the night.”
TEACHERS' PAY - WHAT YOU NEED TO KNOW
Pay varies significantly depending on the school, its rating and the curriculum. Here's a rough guide as of January 2021:
- top end schools tend to pay Dh16,000-17,000 a month - plus a monthly housing allowance of up to Dh6,000. These tend to be British curriculum schools rated 'outstanding' or 'very good', followed by American schools
- average salary across curriculums and skill levels is about Dh10,000, recruiters say
- it is becoming more common for schools to provide accommodation, sometimes in an apartment block with other teachers, rather than hand teachers a cash housing allowance
- some strong performing schools have cut back on salaries since the pandemic began, sometimes offering Dh16,000 including the housing allowance, which reflects the slump in rental costs, and sheer demand for jobs
- maths and science teachers are most in demand and some schools will pay up to Dh3,000 more than other teachers in recognition of their technical skills
- at the other end of the market, teachers in some Indian schools, where fees are lower and competition among applicants is intense, can be paid as low as Dh3,000 per month
- in Indian schools, it has also become common for teachers to share residential accommodation, living in a block with colleagues
MATCH INFO
Manchester City 1 (Gundogan 56')
Shakhtar Donetsk 1 (Solomon 69')
RACE CARD
6.30pm: Al Maktoum Challenge Round-3 – Group 1 (PA) $65,000 (Dirt) 2,000m
7.05pm: Handicap (TB) $65,000 (Turf) 1,800m
7.40pm: Meydan Classic – Listed (TB) $88,000 (T) 1,600m
8.15pm: Nad Al Sheba Trophy – Group 3 (TB) $195,000 (T) 2,810m
8.50pm: Dubai Millennium Stakes – Group 3 (TB) $130,000 (T) 2,000m
9.25pm: Meydan Challenge – Listed Handicap (TB) $88,000 (T) 1,400m
Ten10 Cricket League
Venue and schedule Sharjah Cricket Stadium, December 14 to 17
Teams
Maratha Arabians Leading player: Virender Sehwag; Top picks: Mohammed Amir, Imad Wasim; UAE players: Shaiman Anwar, Zahoor Khan
Bengal Lions Leading player: Sarfraz Ahmed; Top picks: Sunil Narine, Mustafizur Rahman; UAE players: Mohammed Naveed, Rameez Shahzad
Kerala Kings Leading player: Eoin Morgan; Top picks: Kieron Pollard, Sohail Tanvir; UAE players: Rohan Mustafa, Imran Haider
Pakhtoons Leading player: Shahid Afridi; Top picks: Fakhar Zaman, Tamim Iqbal; UAE players: Amjad Javed, Saqlain Haider
Punjabi Legends Leading player: Shoaib Malik; Top picks: Hasan Ali, Chris Jordan; UAE players: Ghulam Shabber, Shareef Asadullah
Team Sri Lanka Cricket Will be made up of Colombo players who won island’s domestic limited-overs competition
How to apply for a drone permit
- Individuals must register on UAE Drone app or website using their UAE Pass
- Add all their personal details, including name, nationality, passport number, Emiratis ID, email and phone number
- Upload the training certificate from a centre accredited by the GCAA
- Submit their request
What are the regulations?
- Fly it within visual line of sight
- Never over populated areas
- Ensure maximum flying height of 400 feet (122 metres) above ground level is not crossed
- Users must avoid flying over restricted areas listed on the UAE Drone app
- Only fly the drone during the day, and never at night
- Should have a live feed of the drone flight
- Drones must weigh 5 kg or less
Common OCD symptoms and how they manifest
Checking: the obsession or thoughts focus on some harm coming from things not being as they should, which usually centre around the theme of safety. For example, the obsession is “the building will burn down”, therefore the compulsion is checking that the oven is switched off.
Contamination: the obsession is focused on the presence of germs, dirt or harmful bacteria and how this will impact the person and/or their loved ones. For example, the obsession is “the floor is dirty; me and my family will get sick and die”, the compulsion is repetitive cleaning.
Orderliness: the obsession is a fear of sitting with uncomfortable feelings, or to prevent harm coming to oneself or others. Objectively there appears to be no logical link between the obsession and compulsion. For example,” I won’t feel right if the jars aren’t lined up” or “harm will come to my family if I don’t line up all the jars”, so the compulsion is therefore lining up the jars.
Intrusive thoughts: the intrusive thought is usually highly distressing and repetitive. Common examples may include thoughts of perpetrating violence towards others, harming others, or questions over one’s character or deeds, usually in conflict with the person’s true values. An example would be: “I think I might hurt my family”, which in turn leads to the compulsion of avoiding social gatherings.
Hoarding: the intrusive thought is the overvaluing of objects or possessions, while the compulsion is stashing or hoarding these items and refusing to let them go. For example, “this newspaper may come in useful one day”, therefore, the compulsion is hoarding newspapers instead of discarding them the next day.
Source: Dr Robert Chandler, clinical psychologist at Lighthouse Arabia
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Timeline
2012-2015
The company offers payments/bribes to win key contracts in the Middle East
May 2017
The UK SFO officially opens investigation into Petrofac’s use of agents, corruption, and potential bribery to secure contracts
September 2021
Petrofac pleads guilty to seven counts of failing to prevent bribery under the UK Bribery Act
October 2021
Court fines Petrofac £77 million for bribery. Former executive receives a two-year suspended sentence
December 2024
Petrofac enters into comprehensive restructuring to strengthen the financial position of the group
May 2025
The High Court of England and Wales approves the company’s restructuring plan
July 2025
The Court of Appeal issues a judgment challenging parts of the restructuring plan
August 2025
Petrofac issues a business update to execute the restructuring and confirms it will appeal the Court of Appeal decision
October 2025
Petrofac loses a major TenneT offshore wind contract worth €13 billion. Holding company files for administration in the UK. Petrofac delisted from the London Stock Exchange
November 2025
180 Petrofac employees laid off in the UAE
SERIES INFO
Afghanistan v Zimbabwe, Abu Dhabi Sunshine Series
All matches at the Zayed Cricket Stadium, Abu Dhabi
Test series
1st Test: Zimbabwe beat Afghanistan by 10 wickets
2nd Test: Wednesday, 10 March – Sunday, 14 March
Play starts at 9.30am
T20 series
1st T20I: Wednesday, 17 March
2nd T20I: Friday, 19 March
3rd T20I: Saturday, 20 March
TV
Supporters in the UAE can watch the matches on the Rabbithole channel on YouTube
The five pillars of Islam