Abdullah Salem, centre, celebrates with his friends and supporters after winning the election at Tahmeed School in Madam.
Abdullah Salem, centre, celebrates with his friends and supporters after winning the election at Tahmeed School in Madam.

Sharjah's aspiring politicians get an early start



SHARJAH // After two weeks of campaigning, the three candidates stood in front of a room full of voters and prepared to make their final pitch.

Abdullah Salem was the first to step forward, holding a piece of paper on which he had jotted down a short speech.

"I will do my best to convey whatever you need and your problems to the council," he said into a microphone. "I am one of you, that's why I'm standing."

Obaid Saeed and Khaled Saeed each then said a few words, before the three stood aside and the ballot papers were handed out.

The 40 voters - students at the boys' school in the town of Thameed, a remote enclave of Sharjah emirate between Dubai and Hatta - are among the approximately 4,000 students participating in ongoing elections by voting for Sharjah's Youth Consultative Council, or Majlis Shura al Shabab.

This is the fourth time voting has been held for the council, whose members serve two-year terms. The first elections were held in 2004, overseen by the Sharjah Youth Centres, part of the emirate's Supreme Council for Family Affairs.

"We want to teach the students to face an audience and prepare them to be leaders," explained Adil Salim, head of Sharjah Youth Centre affairs and one of the election organisers. "We prepare them from now to maybe become Federal National Council members in the future."

The idea, Mr Salim said, is to give the students a platform to raise issues affecting their schools and communities. There are four council sessions a year, each devoted to a specific topic or area of concern, which is decided upon by the members. Representatives from local government authorities are invited to take part in the debate, with the aim of effecting change.

All students in years 10, 11 and 12 in Sharjah government schools are eligible to vote - both Emiratis and expatriates. However, only Emiratis in grades 10 and 11 can stand as candidates, as they have to be able to serve the full two-year term.

The two-week voting period, which began on Sunday, will result in around 80 student representatives - 40 boys and 40 girls - being chosen by their peers. The council members will then select a council president, vice-president and secretary.

Students from 21 girls' schools and 17 boys' schools are voting for one representative from each school to take a seat on the council. Students involved with Sharjah's youth centres for boys and girls will also elect members of the council.

This student activism is supported by Dr Sheikh Sultan bin Mohammed, the Ruler of Sharjah, who normally attends the opening session of the council, which this year will take place on November 25 at the Sharjah Government's shura council.

"The students discuss any issues they might have: from school problems, to health and higher education concerns," said Mr Salim. "They really like the council - it's a new experience for them."

Khawla al Mulla, the manager of the Sharjah Girls Youth Centres, said female members are among the most enthusiastic.

"The girls are maybe more effective because they really care and have strong programmes," she said. "We have helped foster a new culture - to have the students' voices heard and their concerns taken into account."

Shortly before the students from Al Thameed School for Boys gathered to cast their ballots, Khaled Saeed, 16, explained that he stood as a candidate because he wanted to represent his school.

"I think there are certain health problems we could focus on like youth smoking, to try to stop this behaviour," he said. "My friends and family encouraged me to be a candidate." The Al Thameed election was organised by Saeed Abdel Aal, the school's social worker, and was overseen by the manager of the local youth centre, Salem Mattar.

"Only write one name on the ballot paper," Mr Abdel Aal reminded the boys as they made their final choice. The students then stepped up to the transparent ballot box at the front of the classroom to cast their votes, after which the ballots were read out and the numbers tallied on the whiteboard.

In the end it was Abdullah Salem who won, in a landslide, with more than 70 per cent of the vote - a result that was greeted with a roar of applause.

"I really liked this experience, because it makes us feel like we have value and we have some responsibility," said Faisal al Kaabi, 17.

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Profile of Hala Insurance

Date Started: September 2018

Founders: Walid and Karim Dib

Based: Abu Dhabi

Employees: Nine

Amount raised: $1.2 million

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Mission to Seafarers is one of the largest port-based welfare operators in the world.

It provided services to around 200 ports across 50 countries.

They also provide port chaplains to help them deliver professional welfare services.

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How to protect yourself when air quality drops

Install an air filter in your home.

Close your windows and turn on the AC.

Shower or bath after being outside.

Wear a face mask.

Stay indoors when conditions are particularly poor.

If driving, turn your engine off when stationary.

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The specs
Engine: 77.4kW all-wheel-drive dual motor
Power: 320bhp
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Transmission: Single-speed automatic
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Our legal consultant

Name: Hassan Mohsen Elhais

Position: legal consultant with Al Rowaad Advocates and Legal Consultants

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Key changes

Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.

Our family matters legal consultant

Name: Hassan Mohsen Elhais

Position: legal consultant with Al Rowaad Advocates and Legal Consultants.

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