Omani mothers call for more home time



MUSCAT // New mothers often say having a baby is like a full-time job.

Just ask Fatma al Khadhouri, 27, a mother of a two-month-old girl. But being a mother is not Mrs al Khadhouri's only job - she works full-time as a customer service consultant for a retail company in Oman's capital, Muscat - and the stresses of work and motherhood are beginning to take their toll.

After staying awake all night with her newborn, Mrs al Khadhouri had three near misses in a week while driving to work and she fears the fourth could be fatal.

"I wake up countless times every night feeding, changing or checking on the baby. I also have to wake up at six in the morning to prepare to go to work. It is getting me down. The government must pass a law to grant a longer maternal leave to working mothers," she said.

Mrs al Khadhouri is one of many working women who want the government and the private sector to extend maternity leave.

In Oman, paid maternity leave is six and half weeks long, compared to the 15 weeks given in Canada, 17 weeks in Singapore and six months in Denmark. Sweden is the world leader in maternity leave with 480 days, according to the UN statistics.

Saudi Arabia leads the GCC with 10 weeks of maternity leave while Qatar calls for 50 days and the UAE and Bahrain each mandates at least a 45-day leave is given to new mothers.

Shaima al Lawati, a mother of two who works with a bank, said maternity leave in Oman should be increased to at least 12 weeks with the new mother allowed to work from home.

"We should get the normal six-week leave and the extra six weeks a mother can work from home. This way, both the mother and her employers can get the benefit," Mrs al Lawati, 26, said.

"I suggest that women must lobby through their Shura members to get a longer maternity leave legislated," said a civil service official, who did not want to be named.

In order for the law to be changed, the Majlis Council must recommend it to the government. All 82 elected members of the council are men.

Most employers say longer maternity leave is not practical in Oman's small economy.

"Most of the companies could not afford to give that much leave, especially in the medical, teaching and financial sectors," Abdulraheem al Saadi, the human resources manager for Al Zajil Oil and Gas Maintenance company, said.

Out of 1.25 million people employed in the country, more than 35 per cent are women and the gap in numbers is narrowing every year, according to statistics from the civil service and manpower ministries.

There are no statistics, however, for working mothers with infants but job analysts said they could be as high as 25 per cent of the total workforce - or more than 300,000 women eligible for maternity leave. "It is certainly a formidable voice and all of them would want longer maternity leave, including myself," said Nashwa al Raisi, an employment researcher at Sultan Qaboos University.

Mrs al Raisi is a mother of three, including a three-month- old boy. Mrs al Raisi wants to see a six months' paid leave and an additional six months of unpaid absence as a way to keep costs down for employers.

Paediatricians said the bond that developed between a mother and he baby soon after birth is crucial to the child's well-being.

"We should not look at this only on professional terms. Research shows mothers who are always there with their babies in the first one year are closer to them than those who are not," said Cynthia Fernandes, a paediatrician at the Al Maabela Health Centre in Muscat.

Dr Fernandes cited a US study that suggests a woman's employment in the first year after she gives birth is detrimental to the child's cognitive development and can lead to behavioural problems.

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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.

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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 
The specS: 2018 Toyota Camry

Price: base / as tested: Dh91,000 / Dh114,000

Engine: 3.5-litre V6

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Fuel economy, combined: 7.0L / 100km

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Name: Akeed

Based: Muscat

Launch year: 2018

Number of employees: 40

Sector: Online food delivery

Funding: Raised $3.2m since inception 

The specs

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Who is Enric Sala?

Enric Sala is an expert on marine conservation and is currently the National Geographic Society's Explorer-in-Residence. His love of the sea started with his childhood in Spain, inspired by the example of the legendary diver Jacques Cousteau. He has been a university professor of Oceanography in the US, as well as working at the Spanish National Council for Scientific Research and is a member of the World Economic Forum’s Global Future Council on Biodiversity and the Bio-Economy. He has dedicated his life to protecting life in the oceans. Enric describes himself as a flexitarian who only eats meat occasionally.

What is biodiversity?

According to the United Nations Environment Programme, all life on earth – including in its forests and oceans – forms a “rich tapestry of interconnecting and interdependent forces”. Biodiversity on earth today is the product of four billion years of evolution and consists of many millions of distinct biological species. The term ‘biodiversity’ is relatively new, popularised since the 1980s and coinciding with an understanding of the growing threats to the natural world including habitat loss, pollution and climate change. The loss of biodiversity itself is dangerous because it contributes to clean, consistent water flows, food security, protection from floods and storms and a stable climate. The natural world can be an ally in combating global climate change but to do so it must be protected. Nations are working to achieve this, including setting targets to be reached by 2020 for the protection of the natural state of 17 per cent of the land and 10 per cent of the oceans. However, these are well short of what is needed, according to experts, with half the land needed to be in a natural state to help avert disaster.

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1,000 tonnes of waste collected daily:

  • 800 tonnes converted into alternative fuel
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800 tonnes of RDF replaces 500 tonnes of coal

Two conveyor lines treat more than 350,000 tonnes of waste per year

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Match on BeIN Sports

QUALIFYING RESULTS

1. Max Verstappen, Netherlands, Red Bull Racing Honda, 1 minute, 35.246 seconds.
2. Valtteri Bottas, Finland, Mercedes, 1:35.271.
3. Lewis Hamilton, Great Britain, Mercedes, 1:35.332.
4. Lando Norris, Great Britain, McLaren Renault, 1:35.497.
5. Alexander Albon, Thailand, Red Bull Racing Honda, 1:35.571.
6. Carlos Sainz Jr, Spain, McLaren Renault, 1:35.815.
7. Daniil Kvyat, Russia, Scuderia Toro Rosso Honda, 1:35.963.
8. Lance Stroll, Canada, Racing Point BWT Mercedes, 1:36.046.
9. Charles Leclerc, Monaco, Ferrari, 1:36.065.
10. Pierre Gasly, France, Scuderia Toro Rosso Honda, 1:36.242.

Eliminated after second session

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12. Daniel Ricciardo, Australia, Renault, 1:36.406.
13. Sebastian Vettel, Germany, Ferrari, 1:36.631.
14. Antonio Giovinazzi, Italy, Alfa Romeo Racing Ferrari, 1:38.248.

Eliminated after first session

15. Antonio Giovinazzi, Italy, Alfa Romeo Racing Ferrari, 1:37.075.
16. Kimi Raikkonen, Finland, Alfa Romeo Racing Ferrari, 1:37.555.
17. Kevin Magnussen, Denmark, Haas Ferrari, 1:37.863.
18. George Russell, Great Britain, Williams Mercedes, 1:38.045.
19. Pietro Fittipaldi, Brazil, Haas Ferrari, 1:38.173.
20. Nicholas Latifi, Canada, Williams Mercedes, 1:38.443.

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Formula Middle East Calendar (Formula Regional and Formula 4)
Round 1: January 17-19, Yas Marina Circuit – Abu Dhabi
 
Round 2: January 22-23, Yas Marina Circuit – Abu Dhabi
 
Round 3: February 7-9, Dubai Autodrome – Dubai
 
Round 4: February 14-16, Yas Marina Circuit – Abu Dhabi
 
Round 5: February 25-27, Jeddah Corniche Circuit – Saudi Arabia

 

 

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How to increase your savings
  • Have a plan for your savings.
  • Decide on your emergency fund target and once that's achieved, assign your savings to another financial goal such as saving for a house or investing for retirement.
  • Decide on a financial goal that is important to you and put your savings to work for you.
  • It's important to have a purpose for your savings as it helps to keep you motivated to continue while also reducing the temptation to spend your savings. 

- Carol Glynn, founder of Conscious Finance Coaching

 

 

Most match wins on clay

Guillermo Vilas - 659

Manuel Orantes - 501

Thomas Muster - 422

Rafael Nadal - 399 *

Jose Higueras - 378

Eddie Dibbs - 370

Ilie Nastase - 338

Carlos Moya - 337

Ivan Lendl - 329

Andres Gomez - 322