Abu Dhabi mothers say a new affordable freelance visa empows them to legally establish start-up businesses and work flexibly on their own terms.
Late last year, the capital announced it would issue licences for 48 business categories, including fashion design, flower arrangement, legal consultancy, property and handicrafts.
The visas cost Dh530 ($144), enabling people such as Kate Carter, 37, to cheaply set up a company. In Ms Carter's case, Fabric Kate.
The mother of three makes crayons, personalised cards and cotton bunting for birthday parties and other events.
I can now legally work from home and supply to businesses
As well as selling them online under the licence of a third party site, Ms Carter would take her wares to markets.
“When I read the article about the new licence, I thought, yes, why not?” she said.
Ms Carter is from the UK and has lived in Abu Dhabi for the past 11 years.
“It was pretty straightforward. It’s perfect for me because I don’t have a lot of money to put into it. It took me about a week in total. This is for two years.”
If it becomes too expensive in future, Ms Carter said she may have to reassess, but for now it is working well because it is affordable. The licence enables her to sell her goods from her own website.
She said there are several benefits, including being able to keep the profits herself, rather than share them with the company providing the licence.
“Also, because I can do it from my own website, it enables me to add more stuff, like the message option.”
The importance of flexible freelance work
Mother of three Ffion Carroll, 31, from the UK, used to sell her cards and festive crafts at markets, where she paid for the use of a table and operated under the licence of the business that ran the event.
“I would drive to Dubai to do the markets, because Dubai was still open during the pandemic,” she said.
“But this means I can now legally work from home and supply to businesses. I now supply to about six or seven businesses.
"The potential is endless for me now. I can do it from home.”
Justine Anderson, who owns Shaggy Hands, which sells wall hangings, took out a handicraft licence.
She said having the ability to work for herself is important, because her husband is a pilot and away a lot. This way she still can work and be with her two children.
She said she was surprised at how easy the process was to apply.
“I thought it would be harder,” she said.
Almost put off by the need to attest her certificates, Ms Anderson was told they were not required for the handicraft licence, only for licences that require professional qualifications, such as architecture.
The new documentation will help her to grow her business – she used to sell her wall hangings through word of mouth only. She is currently building a website.
"I made a comment on Facebook about the licence because I had a question and a few people replied to ask how easy was it?" she said.
“I was able to tell them it was simple. There are a lot of people looking for a side hustle, I guess.”
The new freelance licences for the first time allow entrepreneurs working in a wide range of industries to set up a business and work from home or any authorised location.
People who are retired, homemakers, and students can also apply.
Freelance visas were previously limited to certain sectors, including media, finance and education.
Our family matters legal consultant
Name: Dr Hassan Mohsen Elhais
Position: legal consultant with Al Rowaad Advocates and Legal Consultants.
'The worst thing you can eat'
Trans fat is typically found in fried and baked goods, but you may be consuming more than you think.
Powdered coffee creamer, microwave popcorn and virtually anything processed with a crust is likely to contain it, as this guide from Mayo Clinic outlines:
Baked goods - Most cakes, cookies, pie crusts and crackers contain shortening, which is usually made from partially hydrogenated vegetable oil. Ready-made frosting is another source of trans fat.
Snacks - Potato, corn and tortilla chips often contain trans fat. And while popcorn can be a healthy snack, many types of packaged or microwave popcorn use trans fat to help cook or flavour the popcorn.
Fried food - Foods that require deep frying — french fries, doughnuts and fried chicken — can contain trans fat from the oil used in the cooking process.
Refrigerator dough - Products such as canned biscuits and cinnamon rolls often contain trans fat, as do frozen pizza crusts.
Creamer and margarine - Nondairy coffee creamer and stick margarines also may contain partially hydrogenated vegetable oils.
The alternatives
• Founded in 2014, Telr is a payment aggregator and gateway with an office in Silicon Oasis. It’s e-commerce entry plan costs Dh349 monthly (plus VAT). QR codes direct customers to an online payment page and merchants can generate payments through messaging apps.
• Business Bay’s Pallapay claims 40,000-plus active merchants who can invoice customers and receive payment by card. Fees range from 1.99 per cent plus Dh1 per transaction depending on payment method and location, such as online or via UAE mobile.
• Tap started in May 2013 in Kuwait, allowing Middle East businesses to bill, accept, receive and make payments online “easier, faster and smoother” via goSell and goCollect. It supports more than 10,000 merchants. Monthly fees range from US$65-100, plus card charges of 2.75-3.75 per cent and Dh1.2 per sale.
• 2checkout’s “all-in-one payment gateway and merchant account” accepts payments in 200-plus markets for 2.4-3.9 per cent, plus a Dh1.2-Dh1.8 currency conversion charge. The US provider processes online shop and mobile transactions and has 17,000-plus active digital commerce users.
• PayPal is probably the best-known online goods payment method - usually used for eBay purchases - but can be used to receive funds, providing everyone’s signed up. Costs from 2.9 per cent plus Dh1.2 per transaction.
EA Sports FC 26
Publisher: EA Sports
Consoles: PC, PlayStation 4/5, Xbox Series X/S
Rating: 3/5
What are NFTs?
Are non-fungible tokens a currency, asset, or a licensing instrument? Arnab Das, global market strategist EMEA at Invesco, says they are mix of all of three.
You can buy, hold and use NFTs just like US dollars and Bitcoins. “They can appreciate in value and even produce cash flows.”
However, while money is fungible, NFTs are not. “One Bitcoin, dollar, euro or dirham is largely indistinguishable from the next. Nothing ties a dollar bill to a particular owner, for example. Nor does it tie you to to any goods, services or assets you bought with that currency. In contrast, NFTs confer specific ownership,” Mr Das says.
This makes NFTs closer to a piece of intellectual property such as a work of art or licence, as you can claim royalties or profit by exchanging it at a higher value later, Mr Das says. “They could provide a sustainable income stream.”
This income will depend on future demand and use, which makes NFTs difficult to value. “However, there is a credible use case for many forms of intellectual property, notably art, songs, videos,” Mr Das says.
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.
The President's Cake
Director: Hasan Hadi
Starring: Baneen Ahmad Nayyef, Waheed Thabet Khreibat, Sajad Mohamad Qasem
Rating: 4/5
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MATCH INFO
Rugby World Cup (all times UAE)
Final: England v South Africa, Saturday, 1pm
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