Amal Loring converted to Islam about five years ago and owns MindBody Dynamixs. Antonie Robertson / The National
Amal Loring converted to Islam about five years ago and owns MindBody Dynamixs. Antonie Robertson / The National

Ramadan a time for your best protocol



Business usually slows down during Ramadan, which starts next week, but it is actually a good time to reach out to Emirati decision-makers and build relations. British-born Amal Loring, who converted to Islam about five years ago and owns MindBody Dynamixs, which advises people on stress management and cultural issues, explains why.

You say Ramadan is a good period to reach out to Emirati decision-makers. Why?

From a religious point of view, travel is discouraged, only absolutely essential travel [is permitted]. The reason for that is when you travel, ordinarily then it disrupts your prayer time and excuses you from fasting, so if you're travelling for a couple of days, you do have to make those days up after Ramadan. It really does mess Ramadan around for people. There are a lot of Emiratis in town, so therefore it is an opportunity to make sales visits, courtesy visits and call upon the Emirati decision-makers during the shortened workday.

So is it not seen as bad form to organise a business meeting during Ramadan?

No, not at all. The Prophet, peace be upon him, [said] you just carry on with your normal day. It should be your normal day wherever possible.

Should a western business hold an iftar or suhoor or would it be disrespectful?

It's not expected [but] it would be a nice gesture, particularly if a western company has a lot of expat Muslims from different parts of the world who might be away from their family. You will find a lot of Muslims and companies will take parcels to a mosque because people who are less fortunate congregate outside mosques.

Should you try to go to every iftar and suhoor you're invited to?

It's more a case of prioritising, because if you have senior locals, they get two or three a day for iftars. If they have a relationship with that organisation, it is more likely they will go, given that they have an existing relationship.

If you accept an invitation for a company iftar or suhoor, is it OK to speak about business?

It's a social thing. They might talk about, not high-level stuff. It's not a time to close a deal. That supplier is sharing in a very revered month, a month people look forward to the whole year.

So is it a good opportunity for expats to build good business relationships?

What is good for a non-Muslim to ask is what is Ramadan about. Why do you fast? What's the importance of it and what happens after? That's a common area for people to bond, basically.

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Name: Yousef Al Bahar

Advocate at Al Bahar & Associate Advocates and Legal Consultants, established in 1994

Education: Mr Al Bahar was born in 1979 and graduated in 2008 from the Judicial Institute. He took after his father, who was one of the first Emirati lawyers

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Term life insurance: this is the cheapest and most-popular form of life cover. You pay a regular monthly premium for a pre-agreed period, typically anything between five and 25 years, or possibly longer. If you die within that time, the policy will pay a cash lump sum, which is typically tax-free even outside the UAE. If you die after the policy ends, you do not get anything in return. There is no cash-in value at any time. Once you stop paying premiums, cover stops.

Whole-of-life insurance: as its name suggests, this type of life cover is designed to run for the rest of your life. You pay regular monthly premiums and in return, get a guaranteed cash lump sum whenever you die. As a result, premiums are typically much higher than one term life insurance, although they do not usually increase with age. In some cases, you have to keep up premiums for as long as you live, although there may be a cut-off period, say, at age 80 but it can go as high as 95. There are penalties if you don’t last the course and you may get a lot less than you paid in.

Critical illness cover: this pays a cash lump sum if you suffer from a serious illness such as cancer, heart disease or stroke. Some policies cover as many as 50 different illnesses, although cancer triggers by far the most claims. The payout is designed to cover major financial responsibilities such as a mortgage or children’s education fees if you fall ill and are unable to work. It is cost effective to combine it with life insurance, with the policy paying out once if you either die or suffer a serious illness.

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Install an air filter in your home.

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Stay indoors when conditions are particularly poor.

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Ahmad El Sayed is Senior Associate at Charles Russell Speechlys, a law firm headquartered in London with offices in the UK, Europe, the Middle East and Hong Kong.

Experience: Commercial litigator who has assisted clients with overseas judgments before UAE courts. His specialties are cases related to banking, real estate, shareholder disputes, company liquidations and criminal matters as well as employment related litigation. 

Education: Sagesse University, Beirut, Lebanon, in 2005.

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