BURAIDA, SAUDI ARABIA // Four years ago, Lolwa al Bakheet decided to look into a women's group that she had heard was giving start-up business loans to women on low incomes. On her first visit to the King Abdul Aziz Women's Charity Committee, Mrs Bakheet recalled, she was "a bit disoriented" because she is not someone who usually takes out a loan. But before long, the illiterate mother of five had a 3,000 riyal (Dh2,938) loan to open a snack cart, selling sweets and other sundries from her home in a poor section of Buraida.
Mrs Bakheet repaid the loan and took out another one for 8,000 riyals, which she used to buy a share in a new women-owned company that sets places and serves food at fancy parties. Her once-meagre income has vastly improved, she said. She now makes in a day what once took weeks to earn. The returns have not just been financial. "I am more emotionally stable now" and "happier", said Mrs Bakheet, 36.
"I pay my bills on time and by myself. That is one of the most liberating feelings." Mrs Bakheet's story vividly illustrates why the King Abdul Aziz Women's Charity Committee in Buraida, capital of Al Qassim province, is one of the most successful grass-roots women's groups in the kingdom. Supported by a progressive-minded princess, the group is improving the lives of ordinary women, raising their self-confidence and expanding their horizons. And it is doing so in a region regarded as a bastion of Islamic conservatism.
Behind the beige stone walls of the charity's headquarters, the women run a well-managed operation that also offers courses in computers, Saudi handicrafts and financial management. It offers rent subsidies to widows, divorcees and wives of imprisoned men, and it intervenes to help victims of domestic abuse. Most recently, the charity has partnered with local health officials in a new breast cancer awareness programme. More than a dozen female volunteers from the charity are giving educational workshops to women all over the province on the need for early detection of lumps through regular mammograms and self-examinations.
None of these activities is revolutionary. It is where they are happening that makes them notable. A little more than 300km northwest of Riyadh, Buraida is the heartland of Saudi Arabia's religious and political conservatism. At times, it has openly defied the ruling royal family. In 1963, just six years after Dwight D Eisenhower, the US president from Jan 1953 to Jan 1961, sent in federal troops to forcibly desegregate schools in Arkansas, King Faisal ordered the National Guard to Buraida to protect the first private girls' school from religious conservatives opposed to educating women.
More recently, clerics in Buraida were at the forefront of Islamist opposition to the government. Change is coming to the flat, tan-hued expanse of wide boulevards and low-rise office buildings interspersed with spindly minarets. The city's first international hotel, the Movenpick, arrived a little more than a year ago. But it remains more conservative than other parts of Saudi Arabia when it comes to women. The full face veil - the niqab - is required attire and restrictions on women participating in public life are strictly observed.
Buraida women have opted to work around these obstacles. Neither revolutionaries, nor liberals, they are not agitating for the right to drive or fling off their niqabs. Far more important, they said, is the right to work outside the home, access to good health care and opportunities for self-improvement. Underneath their required public "uniform" of abaya and niqab they wear frilly blouses, fashionable jackets, lots of make-up and spangly earrings. Mobile phones are never more than an arm's reach away. A favourite television programme, they said, is The Oprah Winfrey Show.
"We want people to know that we are progressive people here in Buraida, that we are not all terrorists," said Nawal Abdullah al Egagi, a mother of five and head of a private school. "We women hold down jobs and then do volunteer work." The King Abdul Aziz Women's Charity Committee is the main organisational focus of the women's activities in Buraida and other parts of the province. A major catalyst for its strong growth in recent years has been Princess Noura bint Mohammed Al Saoud, wife of Prince Faisal bin Bandar bin Abdul Aziz, the Al Qassim governor. The princess has been the charity's strongest backer, providing both financial and moral support.
The charity's roots, however, go back 28 years, according to Al Jawhara M al Wabili, a moon-faced woman with a husky voice who is constantly on her phone and chairs the charity's board. Mrs Wabili said she began volunteering at the charity 22 years ago when still a teenager. On a recent day, Mrs Wabili was seated in her office beneath photos of the omnipresent Saudi triumvirate - the founding father King Abdul Aziz bin Saud, King Abdullah and Crown Prince Sultan. So many women are active in the charity's network of volunteers, she said, "because they like seeing results".
A charity brochure states that its volunteers are motivated by four values: "willpower, patriotism, insistence and leadership". Once inside the charity's headquarters, Mrs Wabili and most of the other women ditch their abayas, scarves and veils. Since this is an area forbidden to men, they do not have to worry about being seen by an unrelated male. In the centre of the charity's headquarters, a circular courtyard is lit up by sunlight streaming through an opaque, domed roof. Pillars are designed to look like tree trunks and the walls are hung with idyllic landscapes of blue sky and wide rivers. In this courtyard, many of the charity's low-income clients sell embroidered wares made with the sewing skills they acquired at the organisation.
Off this central area, like spokes on a wheel, are the organisation's offices, including those of the finance and "donor request" committees. The charity receives financial support from the government, businessmen and royal family members. "They give us money because they know we work hard," said Mrs Wabili, a top aide to Princess Noura. Mariam Mogren al Noman, 43, sat before the desk of a staffer answering questions. She wore a white T-shirt under her abaya. Her hands were dyed with henna and her nails aflame with bright orange polish. A widow with five children, the charity helps Mrs Noman to pay the rent.
"They give me a salary every month to help me and help my children," she said. Wasan Hijazi oversees the charity's diversified efforts to lift low-income women out of poverty by teaching them marketable skills. The micro-loan programme currently has 180 outstanding loans ranging between 3,000 and 15,000 riyals, offered at a zero interest rate. All are being repaid, Mrs Hijazi said. Women have started up businesses in tailoring, poultry, groceries and hairdressing. One opened a mobile phone shop. "Our main condition is [that she] runs her business by herself," Mrs Hijazi said. "Not to give it to her husband, her brother, or her father."
Charity representatives visit each business venture twice a month to check on how it is doing, she said. They also give borrowers courses in marketing, public relations and financial management. "These things are not provided by banks nor by anybody else," Mrs Hijazi said. Mrs Bakheet said that some women who heard her story were so inspired that they took out loans themselves. As for her husband, who is retired, Mrs Bakheet said that he not only "allows" her work but "in fact, supports it". Mrs Hijazi said the charity has also organised mutual lending groups of self-employed women who give loans to each other, allowing them to get around common obstacles they face at banks.
"The lady guarantees herself with no need for a man guarantor," Mrs Hijazi said. "This is easier because we know that our women sometimes can't convince her husband to take a loan unless she pays him, or he shares in the business." The charity, which is putting up a new building next door on land donated by the government, is also planning to expand its counselling programme for victims of domestic violence. And it recently began an urban development programme for rundown neighbourhoods, some of which do not have electricity. Once charity workers find residents of these areas "who have a good reputation and know what their area needs", Mrs Hijazi said, they show them how to organise to receive improvements.
Between 2,500 to 3,000 women graduate from the charity's training centre each year. Students pay for their evening courses, which include computer training, interior design, accounting and at long last - photography. "Now, it's allowed," Mrs Hijazi said. "Before, we were not able to advertise the photography course." After the charity located a fatwa saying that it is Islamically permissible to be trained in photography, local education officials relented and approved the course.
"We were very patient," said Mrs Hijazi, noting that the approval had taken 18 months. It is still not smooth sailing in other areas. At the moment, the charity is seeking official approval of its interior design diploma. And it is has been denied permission by officials to use a new, updated curriculum designed by Microsoft in its computer training course. According to Mrs Hijazi, the officials said the charity does not have the status nor right to sign the necessary agreements with Microsoft.
Could it be that permission is not forthcoming because the computer students are all women? Mrs Hijazi just smiled. @Email:cmurphy@thenational.ae In part two tomorrow, Caryle Murphy sits down for an interview with Princess Noura bint Mohammed Al Saud, the progressive princess whose support allows the organisation to survive - and thrive.
Why it pays to compare
A comparison of sending Dh20,000 from the UAE using two different routes at the same time - the first direct from a UAE bank to a bank in Germany, and the second from the same UAE bank via an online platform to Germany - found key differences in cost and speed. The transfers were both initiated on January 30.
Route 1: bank transfer
The UAE bank charged Dh152.25 for the Dh20,000 transfer. On top of that, their exchange rate margin added a difference of around Dh415, compared with the mid-market rate.
Total cost: Dh567.25 - around 2.9 per cent of the total amount
Total received: €4,670.30
Route 2: online platform
The UAE bank’s charge for sending Dh20,000 to a UK dirham-denominated account was Dh2.10. The exchange rate margin cost was Dh60, plus a Dh12 fee.
Total cost: Dh74.10, around 0.4 per cent of the transaction
Total received: €4,756
The UAE bank transfer was far quicker – around two to three working days, while the online platform took around four to five days, but was considerably cheaper. In the online platform transfer, the funds were also exposed to currency risk during the period it took for them to arrive.
Ferrari 12Cilindri specs
Engine: naturally aspirated 6.5-liter V12
Power: 819hp
Torque: 678Nm at 7,250rpm
Price: From Dh1,700,000
Available: Now
F1 The Movie
Starring: Brad Pitt, Damson Idris, Kerry Condon, Javier Bardem
Director: Joseph Kosinski
Rating: 4/5
The specs
Engine: 3.5-litre twin-turbo V6
Power: 380hp at 5,800rpm
Torque: 530Nm at 1,300-4,500rpm
Transmission: Eight-speed auto
Price: From Dh299,000 ($81,415)
On sale: Now
KEY%20DATES%20IN%20AMAZON'S%20HISTORY
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Islamophobia definition
A widely accepted definition was made by the All Party Parliamentary Group on British Muslims in 2019: “Islamophobia is rooted in racism and is a type of racism that targets expressions of Muslimness or perceived Muslimness.” It further defines it as “inciting hatred or violence against Muslims”.
Scores:
Day 4
England 290 & 346
Sri Lanka 336 & 226-7 (target 301)
Sri Lanka require another 75 runs with three wickets remaining
OPINIONS ON PALESTINE & ISRAEL
UAE v Gibraltar
What: International friendly
When: 7pm kick off
Where: Rugby Park, Dubai Sports City
Admission: Free
Online: The match will be broadcast live on Dubai Exiles’ Facebook page
UAE squad: Lucas Waddington (Dubai Exiles), Gio Fourie (Exiles), Craig Nutt (Abu Dhabi Harlequins), Phil Brady (Harlequins), Daniel Perry (Dubai Hurricanes), Esekaia Dranibota (Harlequins), Matt Mills (Exiles), Jaen Botes (Exiles), Kristian Stinson (Exiles), Murray Reason (Abu Dhabi Saracens), Dave Knight (Hurricanes), Ross Samson (Jebel Ali Dragons), DuRandt Gerber (Exiles), Saki Naisau (Dragons), Andrew Powell (Hurricanes), Emosi Vacanau (Harlequins), Niko Volavola (Dragons), Matt Richards (Dragons), Luke Stevenson (Harlequins), Josh Ives (Dubai Sports City Eagles), Sean Stevens (Saracens), Thinus Steyn (Exiles)
New UK refugee system
- A new “core protection” for refugees moving from permanent to a more basic, temporary protection
- Shortened leave to remain - refugees will receive 30 months instead of five years
- A longer path to settlement with no indefinite settled status until a refugee has spent 20 years in Britain
- To encourage refugees to integrate the government will encourage them to out of the core protection route wherever possible.
- Under core protection there will be no automatic right to family reunion
- Refugees will have a reduced right to public funds
SPECS
%3Cp%3EEngine%3A%20Supercharged%203.5-litre%20V6%0D%3Cbr%3EPower%3A%20400hp%0D%3Cbr%3ETorque%3A%20430Nm%0D%3Cbr%3EOn%20sale%3A%20Now%0D%3Cbr%3EPrice%3A%20From%20Dh450%2C000%0D%3Cbr%3E%3C%2Fp%3E%0A
EA Sports FC 26
Publisher: EA Sports
Consoles: PC, PlayStation 4/5, Xbox Series X/S
Rating: 3/5
Profile of Bitex UAE
Date of launch: November 2018
Founder: Monark Modi
Based: Business Bay, Dubai
Sector: Financial services
Size: Eight employees
Investors: Self-funded to date with $1m of personal savings
Results
6.30pm: The Madjani Stakes (PA) Group 3 Dh175,000 (Dirt) 1,900m
Winner: Aatebat Al Khalediah, Fernando Jara (jockey), Ali Rashid Al Raihe (trainer).
7.05pm: Maiden (TB) Dh165,000 (D) 1,400m
Winner: Down On Da Bayou, Royston Ffrench, Salem bin Ghadayer.
7.40pm: Maiden (TB) Dh165,000 (D) 1,600m
Winner: Dubai Avenue, Fernando Jara, Ali Rashid Al Raihe.
8.15pm: Handicap (TB) Dh190,000 (D) 1,200m
Winner: My Catch, Pat Dobbs, Doug Watson.
8.50pm: Dubai Creek Mile (TB) Listed Dh265,000 (D) 1,600m
Winner: Secret Ambition, Tadhg O’Shea, Satish Seemar.
9.25pm: Handicap (TB) Dh190,000 (D) 1,600m
Winner: Golden Goal, Pat Dobbs, Doug Watson.
'Hocus%20Pocus%202'
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UAE currency: the story behind the money in your pockets
Auron Mein Kahan Dum Tha
Starring: Ajay Devgn, Tabu, Shantanu Maheshwari, Jimmy Shergill, Saiee Manjrekar
Director: Neeraj Pandey
Rating: 2.5/5
Our legal columnist
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
Sholto Byrnes on Myanmar politics
Wicked: For Good
Director: Jon M Chu
Starring: Ariana Grande, Cynthia Erivo, Jonathan Bailey, Jeff Goldblum, Michelle Yeoh, Ethan Slater
Rating: 4/5
More on animal trafficking
How the UAE gratuity payment is calculated now
Employees leaving an organisation are entitled to an end-of-service gratuity after completing at least one year of service.
The tenure is calculated on the number of days worked and does not include lengthy leave periods, such as a sabbatical. If you have worked for a company between one and five years, you are paid 21 days of pay based on your final basic salary. After five years, however, you are entitled to 30 days of pay. The total lump sum you receive is based on the duration of your employment.
1. For those who have worked between one and five years, on a basic salary of Dh10,000 (calculation based on 30 days):
a. Dh10,000 ÷ 30 = Dh333.33. Your daily wage is Dh333.33
b. Dh333.33 x 21 = Dh7,000. So 21 days salary equates to Dh7,000 in gratuity entitlement for each year of service. Multiply this figure for every year of service up to five years.
2. For those who have worked more than five years
c. 333.33 x 30 = Dh10,000. So 30 days’ salary is Dh10,000 in gratuity entitlement for each year of service.
Note: The maximum figure cannot exceed two years total salary figure.
The specs
Engine: Dual 180kW and 300kW front and rear motors
Power: 480kW
Torque: 850Nm
Transmission: Single-speed automatic
Price: From Dh359,900 ($98,000)
On sale: Now
Teams
Punjabi Legends Owners: Inzamam-ul-Haq and Intizar-ul-Haq; Key player: Misbah-ul-Haq
Pakhtoons Owners: Habib Khan and Tajuddin Khan; Key player: Shahid Afridi
Maratha Arabians Owners: Sohail Khan, Ali Tumbi, Parvez Khan; Key player: Virender Sehwag
Bangla Tigers Owners: Shirajuddin Alam, Yasin Choudhary, Neelesh Bhatnager, Anis and Rizwan Sajan; Key player: TBC
Colombo Lions Owners: Sri Lanka Cricket; Key player: TBC
Kerala Kings Owners: Hussain Adam Ali and Shafi Ul Mulk; Key player: Eoin Morgan
Venue Sharjah Cricket Stadium
Format 10 overs per side, matches last for 90 minutes
Timeline October 25: Around 120 players to be entered into a draft, to be held in Dubai; December 21: Matches start; December 24: Finals
KLOPP%20AT%20LIVERPOOL
%3Cp%3EYears%3A%20October%202015%20-%20June%202024%3Cbr%3ETotal%20games%3A%20491%3Cbr%3EWin%20percentage%3A%2060.9%25%3Cbr%3EMajor%20trophies%3A%206%20(Premier%20League%20x%201%2C%20Champions%20League%20x%201%2C%20FA%20Cup%20x%201%2C%20League%20Cup%20x%202%2C%20Fifa%20Club%20World%20Cup%20x1)%3C%2Fp%3E%0A
The story in numbers
18
This is how many recognised sects Lebanon is home to, along with about four million citizens
450,000
More than this many Palestinian refugees are registered with UNRWA in Lebanon, with about 45 per cent of them living in the country’s 12 refugee camps
1.5 million
There are just under 1 million Syrian refugees registered with the UN, although the government puts the figure upwards of 1.5m
73
The percentage of stateless people in Lebanon, who are not of Palestinian origin, born to a Lebanese mother, according to a 2012-2013 study by human rights organisation Frontiers Ruwad Association
18,000
The number of marriages recorded between Lebanese women and foreigners between the years 1995 and 2008, according to a 2009 study backed by the UN Development Programme
77,400
The number of people believed to be affected by the current nationality law, according to the 2009 UN study
4,926
This is how many Lebanese-Palestinian households there were in Lebanon in 2016, according to a census by the Lebanese-Palestinian dialogue committee
Results
6.30pm Al Maktoum Challenge Round-3 Group 1 (PA) US$100,000 (Dirt) 2,000m, Winner Bandar, Fernando Jara (jockey), Majed Al Jahouri (trainer).
7.05pm Meydan Classic Listed (TB) $175,000 (Turf) 1,600m, Winner Well Of Wisdom, William Buick, Charlie Appleby.
7.40pm Handicap (TB) $135,000 (T) 2,000m, Winner Star Safari, Mickael Barzalona, Charlie Appleby.
8.15pm Handicap (TB) $135,000 (D) 1,600m, Winner Moqarrar, Fabrice Veron, Erwan Charpy.
8.50pm Nad Al Sheba Trophy Group 2 (TB) $300,000 (T) 2,810m, Winner Secret Advisor, William Buick, Charlie Appleby.
9.25pm Curlin Stakes Listed (TB) $175,000 (D) 2,000m, Winner Parsimony, William Buick, Doug O’Neill.
10pm Handicap (TB) $135,000 (T) 2,000m, Winner Simsir, Ronan Whelan, Michael Halford.
10.35pm Handicap (TB) $175,000 (T) 1,400m, Winner Velorum, Mickael Barzalona, Charlie Appleby.