FUJAIRAH, UNITED ARAB EMIRATES - NOV 15: Umm Khammas exhibits her home made dishes at Fujairah exhibition on Wednesday. (Photo by Reem Mohammed/The National) Reporter: RUBA HAZA Section: NA
FUJAIRAH, UNITED ARAB EMIRATES - NOV 15: Umm Khammas exhibits her home made dishes at Fujairah exhibition on Wednesday. (Photo by Reem Mohammed/The National) Reporter: RUBA HAZA Section: NA
FUJAIRAH, UNITED ARAB EMIRATES - NOV 15: Umm Khammas exhibits her home made dishes at Fujairah exhibition on Wednesday. (Photo by Reem Mohammed/The National) Reporter: RUBA HAZA Section: NA
FUJAIRAH, UNITED ARAB EMIRATES - NOV 15: Umm Khammas exhibits her home made dishes at Fujairah exhibition on Wednesday. (Photo by Reem Mohammed/The National) Reporter: RUBA HAZA Section: NA

Unemployed Emiratis turn to enterprise and entrepreneurship to support families


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  • Arabic

Enterprising Emiratis who are out of work are turning to part time businesses to boost their finances and try their hand at entrepreneurship.

At the IFujairah exhibition, small family firms showed off their wares, from home-baked sweets to hand-made crafts.

Sakina Al Haji and her husband Mubarak Al Mismari are turning used tyres and metal barrels into seats and tables.

They had the idea four years ago after failing to find any jobs in their local area.

“My husband used to work as a serviceman at the military but not anymore, we receive around Dh6,000 each month but we can’t cover all the expenses with this amount,” said Ms Al Haji, a 43-year-old Emirati mother of three.

“I have two kids in school and one married, and expenses are getting higher and higher.”

The Al Mismaris is one of the 30 families who participated in the exhibition, aimed at giving low-income families at sales platform and exposure to customers.

Government jobs and positions in the police are sought after, but can only employ so many, and the authorities do urge UAE nationals to look at private sector positions.

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“My son-in-law and my granddaughter are living with us, me and my husband are supporting seven people living in the same house and no one is employed, that’s why we had to come up with something to earn a living and pay the bills,” she said.

Her husband said that they use used and unwanted metal barrels to create seating sets and barbecue grills.

“I go to factories to get the used metal barrels to turn them into seats or grills," he said.

Umm Khammas exhibits her home made dishes at Fujairah exhibition. Reem Mohammed / The National
Umm Khammas exhibits her home made dishes at Fujairah exhibition. Reem Mohammed / The National

"My wife designs the seat pads using sponge and fabric and I cut the barrel to form a couch or a seat. The process requires hard work, resources and money,” said Mr Al Mismari, 49

“We use almost the same process with the tyres, but sometimes we sell only few pieces so we can’t rely on such business all the time,” he added

Ms Al Haji also uses her cooking skills to provide a steady income that would keep her husband’s work going.

And she realises that social media is the best platform to promote their business.

“He needs tools and money to keep his work going so I decided to open an Instagram account to offer cooking courses and take food orders in Fujairah,” she said.

“We are doing our best but we need more support in order to keep our business running and fulfil our family basic needs."

Halima Ali, another low-income Emirati woman participating in the exhibition, said that she started to take food orders in 2004 after her husband left his job.

“My husband had to leave his job and couldn’t find another. I tried to find one myself but It’s really hard to find a suitable job and stay away from home for nine hours when you have eight children,” said Ms Ali, 47.

“After losing hope, I started looking for a business that doesn’t require thousands of dirhams in order to be established and decided to use my cooking skills. I started offering homemade sweets and food with reasonable prices to neighbours and relatives.”

Ms Ali kept her business going for around 13 years and now supports the whole family.

“Four of my children got married and four are still studying. My husband is working as a freelancer now but I’m the one who is providing a steady income to the family. We get financial support from the government but it’s not enough,” said Ms Ali.

“I hope to get the support I need in order to fulfil my dream and open a culinary centre that provides traditional and international cooking classes to everyone, but especially to low-income women in order to help them establish their own business,” she added

The IFujairah, which concludes tonight at10pm, was organised by Fujairah Municipality and Fujairah Welfare Association.

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Director: Kangana Ranaut

Stars: Kangana Ranaut, Anupam Kher, Shreyas Talpade, Milind Soman, Mahima Chaudhry 

Rating: 2/5

LEAGUE CUP QUARTER-FINAL DRAW

Stoke City v Tottenham

Brentford v Newcastle United

Arsenal v Manchester City

Everton v Manchester United

All ties are to be played the week commencing December 21.

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Sreesanth's India bowling career

Tests 27, Wickets 87, Average 37.59, Best 5-40

ODIs 53, Wickets 75, Average 33.44, Best 6-55

T20Is 10, Wickets 7, Average 41.14, Best 2-12

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 

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.”

MATCH INFO

Uefa Champions League quarter-final (first-leg score):

Juventus (1) v Ajax (1), Tuesday, 11pm UAE

Match will be shown on BeIN Sports

Major honours

ARSENAL

  • FA Cup - 2005

BARCELONA

  • La Liga - 2013
  • Copa del Rey - 2012
  • Fifa Club World Cup - 2011

CHELSEA

  • Premier League - 2015, 2017
  • FA Cup - 2018
  • League Cup - 2015

SPAIN

  • World Cup - 2010
  • European Championship - 2008, 2012
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Stars: Ram Charan, Kiara Advani, Anjali, S J Suryah, Jayaram

Rating: 2/5

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Henrik Stenson's finishes at Abu Dhabi HSBC Championship:

2006 - 2
2007 - 8
2008 - 2
2009 - MC
2010 - 21
2011 - 42
2012 - MC
2013 - 23
2014 - MC
2015 - MC
2016 - 3
2017 - 8

Singham Again

Director: Rohit Shetty

Stars: Ajay Devgn, Kareena Kapoor Khan, Ranveer Singh, Akshay Kumar, Tiger Shroff, Deepika Padukone

Rating: 3/5

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Directed by: Joe and Anthony Russo

Starring: Tom Holland, Ciara Bravo

1/5

Who's who in Yemen conflict

Houthis: Iran-backed rebels who occupy Sanaa and run unrecognised government

Yemeni government: Exiled government in Aden led by eight-member Presidential Leadership Council

Southern Transitional Council: Faction in Yemeni government that seeks autonomy for the south

Habrish 'rebels': Tribal-backed forces feuding with STC over control of oil in government territory

Trump v Khan

2016: Feud begins after Khan criticised Trump’s proposed Muslim travel ban to US

2017: Trump criticises Khan’s ‘no reason to be alarmed’ response to London Bridge terror attacks

2019: Trump calls Khan a “stone cold loser” before first state visit

2019: Trump tweets about “Khan’s Londonistan”, calling him “a national disgrace”

2022:  Khan’s office attributes rise in Islamophobic abuse against the major to hostility stoked during Trump’s presidency

July 2025 During a golfing trip to Scotland, Trump calls Khan “a nasty person”

Sept 2025 Trump blames Khan for London’s “stabbings and the dirt and the filth”.

Dec 2025 Trump suggests migrants got Khan elected, calls him a “horrible, vicious, disgusting mayor”

The biog

From: Ras Al Khaimah

Age: 50

Profession: Electronic engineer, worked with Etisalat for the past 20 years

Hobbies: 'Anything that involves exploration, hunting, fishing, mountaineering, the sea, hiking, scuba diving, and adventure sports'

Favourite quote: 'Life is so simple, enjoy it'

Reputation

Taylor Swift

(Big Machine Records)

First Person
Richard Flanagan
Chatto & Windus 

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