Deepthi Chandran Joyau, founder of Only Ethikal, says she and her husband try to pay off the mortgage for their villa in Mira community in Dubai whenever they have funds available. Photo: Pawan Singh / The National
Deepthi Chandran Joyau, founder of Only Ethikal, says she and her husband try to pay off the mortgage for their villa in Mira community in Dubai whenever they have funds available. Photo: Pawan Singh / The National
Deepthi Chandran Joyau, founder of Only Ethikal, says she and her husband try to pay off the mortgage for their villa in Mira community in Dubai whenever they have funds available. Photo: Pawan Singh / The National
Deepthi Chandran Joyau, founder of Only Ethikal, says she and her husband try to pay off the mortgage for their villa in Mira community in Dubai whenever they have funds available. Photo: Pawan Singh

Money & Me: ‘My parents are the best money managers I've met’


  • English
  • Arabic

Deepthi Chandran Joyau is the founder of Only Ethikal, an e-commerce platform for affordable, sustainable clothing that also educates consumers about the environmental impact of fast fashion.

Born in Dubai of Indian origin, Ms Joyau, 37,  previously worked as a finance consultant for small and medium enterprises and was financial controller and chief accountant with The Entertainer.

She was previously a fast-fashion shopper, but after 15 years in the corporate world she shifted her lifestyle choice and launched Only Ethikal in April 2019. It contributes a percentage of earnings to social and environmental organisations.

Ms Joyau lives in Mira community in Dubai with her husband, who works in marketing, and their dog Rio.

How did your upbringing shape your attitude towards money?

Originally from India, my dad came to Dubai in the mid-1970s. He used to work in administration at Rashid Hospital and my mum was a housewife. We were a middle-class family. Dad had X salary, knew what he had to spend and after the priorities, there was not much left for pocket money, but he was like, ‘Whatever you want, I will get it’. We weren’t poor but managed with the money we had.

My parents are the best finance managers I’ve met because they taught us how to manage money and were against taking loans and credit. They lived here for 35 years, retired and went back home. Now dad’s taking care of coconut trees.

When did you first manage your own money?

I left at 17 to do further studies in India. I got money to take care of my expenses. As soon as I got away from under my parents’ wings, I splurged, ate in restaurants and spoiled myself. But I learned my lesson and, because I saw how dad and mum managed finances, found a way to save and not trouble my parents too much.

Did that continue into adult life?

You take it along with you – it’s embedded. I came to Dubai after my studies, got my first job at 22 … the same time my dad lost his. We had to live in Dubai for one year with just my salary, Dh3,000 per month working with an automotive accessories company, managing finance. But we figured it out.

I did my MBA in finance and operations and continued to work in finance and accounting in different companies.

Everybody wants to be profitable, but there should be a green line

What led you to launch Only Ethikal?

During my last job, I met a lot of entrepreneurs. My role was basically finding the finance and operational structure they needed, setting it up for them and doing business plans.

I thought I should probably try doing something myself, although I didn’t know which line of business. I love clothes and used to shop a lot. If I got a good deal, I was excited and so thought something around fashion. But when I did more research, I came to know the way it functions today and the fashion revolution. There is modern slavery and wastage in the fashion industry, but I found brands upping their game, following certain standards in their operations, the resources they use and people they employ.

Does this not increase product costs?

Sustainable fashion was always perceived as very expensive. We make sure people involved in the supply chain are paid fairly and don’t use plastic packaging. Obviously there is a cost to that, bringing it here, making noise about it. But today sustainable fashion is much more affordable than two years ago. We have different options available; organic cotton is much cheaper now because of demand, we can use up-cycled fabric. People are getting very innovative.

Then, if there’s product available and people know the concept, they have a choice. There were not any options for them to choose sustainable fashion. We have made a difference, bringing a product to the market with a message that fashion needs to be sustainable. Everybody wants to be profitable, but there should be a green line.

Ms Joyau wishes she could have read more about investing and made informed decisions earlier. Her favoured asset class is real estate. Photo: Pawan Singh / The National
Ms Joyau wishes she could have read more about investing and made informed decisions earlier. Her favoured asset class is real estate. Photo: Pawan Singh / The National

Are you sensible with personal spending?

We are not shy about spending on really good holidays. When it comes to other things, we see if we really have to spend. When we moved house, we just changed the colour of the furniture … up-cycled. We’re more savers but do splurge if we really have our heart set on something.

And paying it forward was part of what our parents taught, so I always believed whenever I’d do a business, I would keep something aside for an environmental or social cause.

Where do you save?

I just put into savings accounts, very conservative, and try not to have credit, so we don’t pay interest. Whenever we have funds available, we try to pay off the mortgage. We have fixed deposits with the bank. I need liquidity with the business, rather than putting into shares and stocks. I buy gold, when we have a cushion. If you hear the rates my parents used to buy at in the 1970s and 1980s, you’d have tears.

What has been your best investment?

We bought our house. After that, it’s Only Ethikal.

What’s your most cherished purchase?

I bought a Rado watch for my dad after he went back to India. He loves those watches, his friends had them. He wears his when he goes to weddings.

What is your money philosophy?

Money should be something that helps you to live comfortably. You should not let it shape your character or you as a person. But anyone who says money is not important … it’s not true. There were some months my parents couldn’t pay the school fees and my dad had to donate blood so he could get money. To have basic necessities in life, you need money, but I don’t think money defines you.

Are you wise with money?

Yes and if and when we have children, that’s going to be a new lesson because we will not spend the same way. I have become wiser, but I wish I knew to invest better, had some guidance. It’s something I never looked for because I was always happy with bank interest.

Would you like to have taken more financial risks?

I wish I’d started a little earlier, taken informed risks. I should have read more about investing and then made informed decisions because now I’m not in that mindset. Maybe two years down the line, I’ll start reading, see if I have other options. If I was to invest, I’d invest in real estate somewhere.

How has the pandemic impacted your business?

The pandemic was a blessing in disguise for most e-commerce. We were blessed with our best months, actually. What affected us was a three-month lockdown in India. All the brands we work with are based there. That said, people who love our stuff were understanding, ready to wait for things to be better.

Do you plan for the future?

I want to grow the business, see where it goes. My husband is from France, so right now the story is we would go there to retire, hopefully with kids. We don’t have a pension fund, so we’re trying to save as much as possible.

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.

PETER%20PAN%20%26%20WENDY
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MATCH INFO

Chelsea 0

Liverpool 2 (Mane 50', 54')

Red card: Andreas Christensen (Chelsea)

Man of the match: Sadio Mane (Liverpool)

England-South Africa Test series

1st Test England win by 211 runs at Lord's, London

2nd Test South Africa win by 340 runs at Trent Bridge, Nottingham

3rd Test July 27-31 at The Oval, London

4th Test August 4-8 at Old Trafford, Manchester

ENGLAND SQUAD

Joe Root (captain), Dom Sibley, Rory Burns, Dan Lawrence, Ben Stokes, Ollie Pope, Ben Foakes (wicketkeeper), Moeen Ali, Olly Stone, Chris Woakes, Jack Leach, Stuart Broad

The Africa Institute 101

Housed on the same site as the original Africa Hall, which first hosted an Arab-African Symposium in 1976, the newly renovated building will be home to a think tank and postgraduate studies hub (it will offer master’s and PhD programmes). The centre will focus on both the historical and contemporary links between Africa and the Gulf, and will serve as a meeting place for conferences, symposia, lectures, film screenings, plays, musical performances and more. In fact, today it is hosting a symposium – 5-plus-1: Rethinking Abstraction that will look at the six decades of Frank Bowling’s career, as well as those of his contemporaries that invested social, cultural and personal meaning into abstraction. 

BUNDESLIGA FIXTURES

Friday (All UAE kick-off times)

Borussia Dortmund v Eintracht Frankfurt (11.30pm)

Saturday

Union Berlin v Bayer Leverkusen (6.30pm)

FA Augsburg v SC Freiburg (6.30pm)

RB Leipzig v Werder Bremen (6.30pm)

SC Paderborn v Hertha Berlin (6.30pm)

Hoffenheim v Wolfsburg (6.30pm)

Fortuna Dusseldorf v Borussia Monchengladbach (9.30pm)

Sunday

Cologne v Bayern Munich (6.30pm)

Mainz v FC Schalke (9pm)

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

 

SPECS

Engine: Two-litre four-cylinder turbo
Power: 235hp
Torque: 350Nm
Transmission: Nine-speed automatic
Price: From Dh167,500 ($45,000)
On sale: Now

Tonight's Chat on The National

Tonight's Chat is a series of online conversations on The National. The series features a diverse range of celebrities, politicians and business leaders from around the Arab world.

Tonight’s Chat host Ricardo Karam is a renowned author and broadcaster who has previously interviewed Bill Gates, Carlos Ghosn, Andre Agassi and the late Zaha Hadid, among others.

Intellectually curious and thought-provoking, Tonight’s Chat moves the conversation forward.

Facebook | Our website | Instagram

 

Tightening the screw on rogue recruiters

The UAE overhauled the procedure to recruit housemaids and domestic workers with a law in 2017 to protect low-income labour from being exploited.

 Only recruitment companies authorised by the government are permitted as part of Tadbeer, a network of labour ministry-regulated centres.

A contract must be drawn up for domestic workers, the wages and job offer clearly stating the nature of work.

The contract stating the wages, work entailed and accommodation must be sent to the employee in their home country before they depart for the UAE.

The contract will be signed by the employer and employee when the domestic worker arrives in the UAE.

Only recruitment agencies registered with the ministry can undertake recruitment and employment applications for domestic workers.

Penalties for illegal recruitment in the UAE include fines of up to Dh100,000 and imprisonment

But agents not authorised by the government sidestep the law by illegally getting women into the country on visit visas.

Sheikh Zayed's poem

When it is unveiled at Abu Dhabi Art, the Standing Tall exhibition will appear as an interplay of poetry and art. The 100 scarves are 100 fragments surrounding five, figurative, female sculptures, and both sculptures and scarves are hand-embroidered by a group of refugee women artisans, who used the Palestinian cross-stitch embroidery art of tatreez. Fragments of Sheikh Zayed’s poem Your Love is Ruling My Heart, written in Arabic as a love poem to his nation, are embroidered onto both the sculptures and the scarves. Here is the English translation.

Your love is ruling over my heart

Your love is ruling over my heart, even a mountain can’t bear all of it

Woe for my heart of such a love, if it befell it and made it its home

You came on me like a gleaming sun, you are the cure for my soul of its sickness

Be lenient on me, oh tender one, and have mercy on who because of you is in ruins

You are like the Ajeed Al-reem [leader of the gazelle herd] for my country, the source of all of its knowledge

You waddle even when you stand still, with feet white like the blooming of the dates of the palm

Oh, who wishes to deprive me of sleep, the night has ended and I still have not seen you

You are the cure for my sickness and my support, you dried my throat up let me go and damp it

Help me, oh children of mine, for in his love my life will pass me by. 

MATCH INFO

Syria v Australia
2018 World Cup qualifying: Asia fourth round play-off first leg
Venue: Hang Jebat Stadium, Malayisa
Kick-off: Thursday, 4.30pm (UAE)
Watch: beIN Sports HD

* Second leg in Australia on October 10

TECH%20SPECS%3A%20APPLE%20WATCH%20SERIES%209
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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 
WHAT IS GRAPHENE?

It was discovered in 2004, when Russian-born Manchester scientists Andrei Geim and Kostya Novoselov were experimenting with sticky tape and graphite, the material used as lead in pencils.

Placing the tape on the graphite and peeling it, they managed to rip off thin flakes of carbon. In the beginning they got flakes consisting of many layers of graphene. But when they repeated the process many times, the flakes got thinner.

By separating the graphite fragments repeatedly, they managed to create flakes that were just one atom thick. Their experiment led to graphene being isolated for the very first time.

In 2010, Geim and Novoselov were awarded the Nobel Prize for Physics. 

Results

Stage 7:

1. Caleb Ewan (AUS) Lotto Soudal - 3:18:29

2. Sam Bennett (IRL) Deceuninck-QuickStep - same time

3. Phil Bauhaus (GER) Bahrain Victorious

4. Michael Morkov (DEN) Deceuninck-QuickStep

5. Cees Bol (NED) Team DSM

General Classification:

1. Tadej Pogacar (SLO) UAE Team Emirates - 24:00:28

2. Adam Yates (GBR) Ineos Grenadiers - 0:00:35

3. Joao Almeida (POR) Deceuninck-QuickStep - 0:01:02

4. Chris Harper (AUS) Jumbo-Visma - 0:01:42

5. Neilson Powless (USA) EF Education-Nippo - 0:01:45

HIV on the rise in the region

A 2019 United Nations special analysis on Aids reveals 37 per cent of new HIV infections in the Mena region are from people injecting drugs.

New HIV infections have also risen by 29 per cent in western Europe and Asia, and by 7 per cent in Latin America, but declined elsewhere.

Egypt has shown the highest increase in recorded cases of HIV since 2010, up by 196 per cent.

Access to HIV testing, treatment and care in the region is well below the global average.  

Few statistics have been published on the number of cases in the UAE, although a UNAIDS report said 1.5 per cent of the prison population has the virus.

'Worse than a prison sentence'

Marie Byrne, a counsellor who volunteers at the UAE government's mental health crisis helpline, said the ordeal the crew had been through would take time to overcome.

“It was worse than a prison sentence, where at least someone can deal with a set amount of time incarcerated," she said.

“They were living in perpetual mystery as to how their futures would pan out, and what that would be.

“Because of coronavirus, the world is very different now to the one they left, that will also have an impact.

“It will not fully register until they are on dry land. Some have not seen their young children grow up while others will have to rebuild relationships.

“It will be a challenge mentally, and to find other work to support their families as they have been out of circulation for so long. Hopefully they will get the care they need when they get home.”

Founders: Ines Mena, Claudia Ribas, Simona Agolini, Nourhan Hassan and Therese Hundt

Date started: January 2017, app launched November 2017

Based: Dubai, UAE

Sector: Private/Retail/Leisure

Number of Employees: 18 employees, including full-time and flexible workers

Funding stage and size: Seed round completed Q4 2019 - $1m raised

Funders: Oman Technology Fund, 500 Startups, Vision Ventures, Seedstars, Mindshift Capital, Delta Partners Ventures, with support from the OQAL Angel Investor Network and UAE Business Angels

Company%20Profile
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UAE currency: the story behind the money in your pockets
The details

Heard It in a Past Life

Maggie Rogers

(Capital Records)

3/5

England World Cup squad

Eoin Morgan (capt), Moeen Ali, Jofra Archer, Jonny Bairstow, Jos Buttler (wkt), Tom Curran, Liam Dawson, Liam Plunkett, Adil Rashid, Joe Root, Jason Roy, Ben Stokes, James Vince, Chris Woakes, Mark Wood

UAE currency: the story behind the money in your pockets
COMPANY%20PROFILE
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ABU DHABI CARD

5pm: UAE Martyrs Cup (TB) Conditions; Dh90,000; 2,200m
5.30pm: Wathba Stallions Cup (PA) Handicap; Dh70,000; 1,400m​​​​​​​
6pm: UAE Matyrs Trophy (PA) Maiden; Dh80,000; 1,600m​​​​​​​
6.30pm: Sheikha Fatima bint Mubarak (IFAHR) Apprentice Championship (PA) Prestige; Dh100,000; 1,600m​​​​​​​
7pm: Sheikha Fatima bint Mubarak (IFAHR) Ladies World Championship (PA) Prestige; Dh125,000; 1,600m​​​​​​​
8pm: Sheikh Zayed bin Sultan Al Nahyan Jewel Crown (PA) Group 1; Dh5,000,000; 1,600m

UPI facts

More than 2.2 million Indian tourists arrived in UAE in 2023
More than 3.5 million Indians reside in UAE
Indian tourists can make purchases in UAE using rupee accounts in India through QR-code-based UPI real-time payment systems
Indian residents in UAE can use their non-resident NRO and NRE accounts held in Indian banks linked to a UAE mobile number for UPI transactions

COMPANY PROFILE
Name: ARDH Collective
Based: Dubai
Founders: Alhaan Ahmed, Alyina Ahmed and Maximo Tettamanzi
Sector: Sustainability
Total funding: Self funded
Number of employees: 4
KLOPP%20AT%20LIVERPOOL
%3Cp%3EYears%3A%20October%202015%20-%20June%202024%3Cbr%3ETotal%20games%3A%20491%3Cbr%3EWin%20percentage%3A%2060.9%25%3Cbr%3EMajor%20trophies%3A%206%20(Premier%20League%20x%201%2C%20Champions%20League%20x%201%2C%20FA%20Cup%20x%201%2C%20League%20Cup%20x%202%2C%20Fifa%20Club%20World%20Cup%20x1)%3C%2Fp%3E%0A
ELIO

Starring: Yonas Kibreab, Zoe Saldana, Brad Garrett

Directors: Madeline Sharafian, Domee Shi, Adrian Molina

Rating: 4/5

Key recommendations
  • Fewer criminals put behind bars and more to serve sentences in the community, with short sentences scrapped and many inmates released earlier.
  • Greater use of curfews and exclusion zones to deliver tougher supervision than ever on criminals.
  • Explore wider powers for judges to punish offenders by blocking them from attending football matches, banning them from driving or travelling abroad through an expansion of ‘ancillary orders’.
  • More Intensive Supervision Courts to tackle the root causes of crime such as alcohol and drug abuse – forcing repeat offenders to take part in tough treatment programmes or face prison.
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.
Paltan

Producer: JP Films, Zee Studios
Director: JP Dutta
Cast: Jackie Shroff, Sonu Sood, Arjun Rampal, Siddhanth Kapoor, Luv Sinha and Harshvardhan Rane
Rating: 2/5

Tips for taking the metro

- set out well ahead of time

- make sure you have at least Dh15 on you Nol card, as there could be big queues for top-up machines

- enter the right cabin. The train may be too busy to move between carriages once you're on

- don't carry too much luggage and tuck it under a seat to make room for fellow passengers