Thwarted brides turn to the courts in UAE


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ABU DHABI // More women are opting to go to court so they can marry the man of their choice.

Under Sharia, a woman’s guardian – who could be her father, uncle or brother – and two witnesses must approve her marriage. When they refuse, women are increasingly turning to legal action.

Hadeya Hammad, a lawyer, dealt with six such cases in 2013, an increase on previous years. “It is a big number and I am sure there are more. Many girls don’t have the courage because of the family problems that might occur,” she said.

She attributed the rise to family traditions that did not allow girls to choose husbands outside the family circle.

“In certain cases, the girl would want to marry an expat or a local man that her parents refuse,” said Khalid Obaid, another lawyer. “When the refusal takes place, the girl stops her guardian from having the upper hand in her life and designates the judge instead.”

The court examines the background of the man she wished to marry, looking into whether he had any problems, such as being unemployed, having a criminal background, or seeking to marry her for financial reasons, Mr Obaid said.

The parents could also provide evidence to the court to support their view that the man was not a suitable match for their daughter.

“In most cases, the girl is Emirati who wishes to marry an expat, and that is not a recognised norm in the country,” Mr Obaid said.

While legal proceedings were ongoing, the judge becomes the legal guardian of the woman. If the case is successful, the husband becomes the woman’s guardian.

Mr Obaid said the court sometimes tried to find a solution with the Family Guidance Department before a legal case arose.

Ms Hammad said most cases involved older, professional women who had been refused permission by their families.

The families and the daughters would clash and neither party would compromise.

“The family will think of the traditions. They will not allow her to get married to someone from another country. Sometimes he is Emirati but the family have refused him. But the court will look into the man’s case and see if he is suitable,” she said.

A third lawyer, Ali Al Mannaei, said in certain cases where the guardian refused the marriage, the judge would require good reasons.

“The judge will ask why the suitor was rejected and will ask the suitor to come to court,” he said.

“Then after investigating him he will either see him as qualified to be married or not.

“The guardian also has to give reasons as to why he sees the suitor as not qualified, for example he could claim he has a drug problem. In such a case, the judge will ask for reports from the authorities to make sure,” he said.

Mr Al Mannaei said sometimes the father would reject the suitor without finding a specific fault in him.

“Usually, the father will say the suitor is not suitable – period. The father could have his own reasons, for instance, if his daughter is bearing the financial responsibility of the household, he doesn’t want her to get married,” he said.

“Sometimes they are cases of financial status, ancestry and tribalism, and other cases they are because of different nationalities.”

The vast majority of cases involved Emirati women, the lawyers said.

A source at the Judicial Department Abu Dhabi said there was no general trend as to the outcome of these cases.

“Each case is examined by itself and depending on the input the ruling is made,” she said.

The first step for the judge was to examine why the women’s guardian was refusing to accept the proposal from the suitor. They evaluated whether there were valid objections or it was just for personal reasons.

“There was a case of a father who divorced the mother of his children several years ago and never asked about them,” said the source. “Then when the eldest daughter wanted to get married her father refused to even meet the suitor.”

“When he was brought to court he said if the mother withdrew her right to the younger sister’s allowance, he will agree to wed her older sister.”

In such a case the father was stripped of his guardianship.

The source also recalled the case of an orphan whose uncle was her guardian. They had a dispute about her inheritance, so when she wanted to get married he refused.

“However, even if the guardian is stripped of his guardianship, it does not mean the court will immediately wed her to her suitor. The next step is to investigate if he was qualified enough,” said the source.

“So not any woman who wishes to marry a random man can file such a lawsuit and she will be married off immediately.”

Sometimes the suitors were disqualified for marriage, for reasons such as drug addiction or lack of education.

Once the court approved of the suitor, the President of the country becomes the woman’s official guardian, and the judge would act on his behalf and allow her to marry.

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Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.

Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.

Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.

Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.

“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.

Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.

From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.

Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.

BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.

Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.

Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.

“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.

Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.

“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.

“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”

The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”

Key findings of Jenkins report
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  • Views of key Muslim Brotherhood ideologue, Sayyid Qutb, have “consistently been understood” as permitting “the use of extreme violence in the pursuit of the perfect Islamic society” and “never been institutionally disowned” by the movement.
  • Muslim Brotherhood at all levels has repeatedly defended Hamas attacks against Israel, including the use of suicide bombers and the killing of civilians.
  • Laying out the report in the House of Commons, David Cameron told MPs: "The main findings of the review support the conclusion that membership of, association with, or influence by the Muslim Brotherhood should be considered as a possible indicator of extremism."
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US households add $601bn of debt in 2019

American households borrowed another $601 billion (Dh2.2bn) in 2019, the largest yearly gain since 2007, just before the global financial crisis, according to February data from the New York Federal Reserve Bank.

Fuelled by rising mortgage debt as homebuyers continued to take advantage of low interest rates, the increase last year brought total household debt to a record high, surpassing the previous peak reached in 2008 just before the market crash, according to the report.

Following the 22nd straight quarter of growth, American household debt swelled to $14.15 trillion by the end of 2019, the New York Fed said in its quarterly report.

In the final three months of the year, new home loans jumped to their highest volume since the fourth quarter of 2005, while credit cards and auto loans also added to the increase.

The bad debt load is taking its toll on some households, and the New York Fed warned that more and more credit card borrowers — particularly young people — were falling behind on their payments.

"Younger borrowers, who are disproportionately likely to have credit cards and student loans as their primary form of debt, struggle more than others with on-time repayment," New York Fed researchers said.