NaTakallam teacher Varty Komjian, seen in the iPad, gives an Arabic class from Yerevan, Armenia.
NaTakallam teacher Varty Komjian, seen in the iPad, gives an Arabic class from Yerevan, Armenia.
NaTakallam teacher Varty Komjian, seen in the iPad, gives an Arabic class from Yerevan, Armenia.
NaTakallam teacher Varty Komjian, seen in the iPad, gives an Arabic class from Yerevan, Armenia.

Online start-up gives Syrian refugees an income and a face


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NEW YORK // Several times a week, Syrian refugee Noor Al Kasseer uses Skype to teach conversational Arabic to students scattered across the world.

The income is helping her set up a new life with her husband in Italy, where they arrived two months ago after more than a year of living in one room of a shared flat in Lebanon.

While many may think of Syrian refugees as desperate, helpless and extremely poor, Ms Al Kasser is among a handful changing that narrative with the help of NaTakallam, a New York-based online platform that pairs them with Arabic learners around the world.

Unlike more traditional forms of aid, the start-up aims to provide sustainable livelihoods that are also humane and intellectually stimulating to displaced Syrians unable to find work in Lebanon or other countries they have fled to, said Aline Sara, one of the founders NaTakallam, which means “we speak in Arabic”.

“Displaced Syrians in Lebanon don’t have a very promising future,” said Ms Sara. They typically cannot work legally and “many of them end up working in the black market on really low wages”.

“Many Syrian refugees don’t even have a legal resident status in Lebanon and end up being detained. We don’t even realise how much everything we think is normal is a luxury for them. For example, freedom of movement or even being able to job hunt is a luxury which we take for granted.”

Ms Al Kasseer, 28, used to be a biology and chemistry teacher at a school in the central Syrian city of Salamiyah before the escalating conflict forced her to flee in November 2015 and join an estimated 1.5 million refugees living in neighbouring Lebanon.

“I was living illegally in Lebanon before getting resettled in Italy and everywhere I went looking for a job in Lebanon, I was rejected,” Ms Al Kasseer told The National. “When I told them that I was working as a teacher in Syria for three years, they refused saying that they can’t give jobs to refugees.”

Ms Al Kasseer is facing the same difficulty finding work as a refugee in Italy, although she has applied for asylum. For now, she spends most of her time learning Italian and teaching Arabic via NaTakallam, which charges a fee of US$15 (Dh55) per hour for sessions via Skype.

“I earn $10 per session and it helps us out,” she said.

The rest of the fee goes to NaTakallam to fund the business. Since its launch in August 2015, the start-up has managed to generate more than $120,000 for about 60 refugees.

The idea was born out of Ms Sara’s need to improve her conversational Arabic as a Lebanese-American living in New York. Although she and her co-founders, Anthony Guerbidjian and Reza Rahnema, focus mainly on displaced Syrians in Lebanon, NaTakallam also has teachers living in Armenia, Brazil, Canada, Egypt, France, Italy, Iraq, Germany and Turkey.

According to the team, more than 1,300 students in more than 60 countries have taken Arabic lessons through NaTakallam, either as individuals or through university partnerships and programming. NaTakallam users range from Arab-Americans who want to improve their Arabic to people who have very little knowledge of the language. They are spread across the globe, including countries such as the US, France, UAE, Australia, UK and Canada.

“This is a wonderful opportunity to get our daughters to practise, given that we live in New York and that they are only in Lebanon one month a year. Knowing that this service helps her [their teacher] in her difficult situation makes it a win-win on both sides,” said Kinda Younger, mother of two girls.

NaTakallam also helps to dispel negative stereotypes about refugees as the students engage with their teachers in conversations about politics, human rights, the arts and the daily struggles faced by displaced Syrians.

“NaTakallam came as a gift from heaven,” said Ms Al Kasseer, who has students in the US, Britain and Australia. “Before this, I had no job, no money, but today I not only have money but so many friends from different parts of the world.”

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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.”

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