Business class magazine issue No. 52

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‫‪ 48‬ﻣﻠﻴﺎر رﻳﺎل ﻗﻴﻤﺔ ﺳﻨﺪات ﺧﺰﻳﻨﺔ أﺻﺪرﻫﺎ »اﻟﻤﺮﻛﺰي« ﻓﻲ ‪2014‬‬

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‫أﻟﻒ واﻓﺪ ﺟﺪﻳﺪ ﺳﻨﻮﻳ ًﺎ‬ ‫ﻳﻨﻀﻤﻮن إﻟﻰ ورﺷﺔ اﻟﻌﻤﻞ‬

‫ﻣﺠﻠــﺔ اﻗﺘﺼﺎدﻳــﺔ أﺳــﺒﻮﻋﻴﺔ ﺗﺼﺪر ﻛﻞ أﺣﺪ‬ ‫‪sunday 05-07-2015 - issue No.52‬‬

‫اﻟﻘﻄﺮﻳﺔ اﻟﻤﻔﺘﻮﺣﺔ‬

‫ﺳﻮق اﻟﻐﺎز اﻟﻌﺎﻟﻤﻴﺔ‪..‬‬

‫ﻗﻄﺮ ﺗﻬﻴﻤﻦ‬ ‫وﺑﺮﻗﻴﺎت »اﻟﻔﻮري‬ ‫واﻟﻌﺎﺟﻞ« ﺗﻤ‪ U‬ﺑﺮﻳﺪﻫﺎ‬

‫أوروﺑﺎ وآﺳﻴﺎ ﺑﺪﻳﻞ اﺟﺒﺎري ﻟﻠﺴﻴﺎﺣﺔ‪..‬‬

‫واﻟﺸﺮق ا`وﺳﻂ‬ ‫ﻣﻘﻔﻞ ﺑﺴﺒﺐ‬ ‫ا‪b‬ﺻﻼﺣﺎت‬

‫ﻓﻲ اﻟﺪوﺣﺔ‪:‬‬

‫أﺑﻨﻴﺔ ﺑﻼ ﺳﻜﺎن‬ ‫وﺳﻜﺎن ﺑﻼ أﺑﻨﻴﺔ‬

‫‪ 7‬ﻣﻦ أﺻﻞ ‪10‬‬ ‫ﺷﺮﻛﺎت ﻋﺎﺋﻠﻴﺔ ﺗﻔﺸﻞ‬ ‫ﻓﻲ ﺗﺤﻘﻴﻖ اﻧﺘﻘﺎل ﺳﻠﺲ‬ ‫إﻟﻰ اﻟﺠﻴﻞ اﻟﺜﺎﻧﻲ‬

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www.franckmuller.com

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Business Class Magazine issue No. 52


8880 B S6 SQT

Business Class Issue No. 46

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Business Class Magazine issue No. 50

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‫ﺷﺮﻛﺔ ﺟﻴﺖ ﻣﻴﺪﻳﺎ ﻟﻠﻄﺒﺎﻋﺔ واﻟﻨﺸﺮ‬

‫رﺋﻴﺲ ﻣﺠﻠﺲ ا‪7‬دارة‬

‫اﻃﻠﺐ ﻣﺠﻠﺔ ﺑﺰﻧﺲ ﻛﻼس ﻣﻊ ﻗﻬﻮﺗﻚ‬ ‫ﻓﻲ ﻫﺬه اﻟﻔﻨﺎدق اﻟﻔﺎﺧﺮة‬

‫اﻟﺸﻴﺦ أﺣﻤﺪ ﺑﻦ ﺣﻤﺪ ﺑﻦ ﻋﻠﻲ آل ﺛﺎﻧﻲ‬ ‫ﻧﺎﺋﺐ رﺋﻴﺲ ﻣﺠﻠﺲ ا‪7‬دارة رﺋﻴﺲ اﻟﺘﺤﺮﻳﺮ‬

‫ﻣﻮﻓﻖ أﺑﻮ ﺧﺎﻟﺪ‬ ‫اﻟﺘﺴﻮﻳﻖ واﻟﻤﺒﻴﻌﺎت‬

‫ﻣﺪﻳﺮ اﻟﺘﺤﺮﻳﺮ‬

‫رﺷﺎ أﺑﻮ ﺧﺎﻟﺪ‬

‫رﻳﻤﺎ ﺣﺪاد‬

‫ﺳﻜﺮﺗﻴﺮ اﻟﺘﺤﺮﻳﺮ‬

‫‪Photographer‬‬

‫د‪ .‬ﻋﺒﺪ اﻟﻘﺎدر اﻟﻤﻨﻼ‬

‫‪Jet Obtinario‬‬ ‫‪Moussa Khaled‬‬

‫ﻣﻴﺎدة أﺑﻮ ﺧﺎﻟﺪ‬

‫اﻟﻤﺪﻳﺮ اﻟﻔﻨﻲ‬

‫روان أﺑﻮ ﺧﺎﻟﺪ‬ ‫اﻟﻌﻨﻮان‪ :‬ﺗﻘﺎﻃﻊ رﻣﺎدا‪ -‬أول ﻃﺮﻳﻖ ﺳﻠﻮى‪ -‬ﺟﺎﻧﺐ‬ ‫ﻣﻜﺘﺒﺔ ﺟﺮﻳﺮ‪ -‬ﺑﻨﺎء اﻟﻌﻤﺎدي‪ -‬ط ‪ 3‬رﻗﻢ ‪8‬‬ ‫‪+974 44 8642 35 / 44 5139 11‬‬ ‫‪+974 44 8601 54‬‬ ‫‪info@businessclass.today‬‬ ‫‪www.businessclass.today‬‬ ‫‪4413 Qatar - Doha‬‬

‫اﻟﻄﺒﺎﻋﺔ‪ :‬ﻋﻠﻲ ﺑﻦ ﻋﻠﻲ‬ ‫اﻟﺘﻮزﻳﻊ‪ :‬دار اﻟﺸﺮق‪/‬ﺗﻮﺻﻴﻞ‬ ‫اﻻﺷﺘﺮاك اﻟﺴﻨﻮي ‪ 1000‬رﻳﺎل ﻗﻄﺮي‬ ‫‪20‬‬

‫‪20‬‬

‫‪20‬‬

‫‪1.5‬‬

‫‪10000‬‬

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‫‪Business Class Magazine issue No. 52‬‬

‫‪/in/businessclassqatar‬‬

‫‪BusinessClassQatar‬‬

‫‪business_class_magazine‬‬

‫‪@BClassqatar‬‬


‫‪sunday 05-07-2015 - issue No.52‬‬

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‫‪THIS ISSUE‬‬

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‫‪ 48‬ﻣﻠﻴﺎر رﻳﺎل ﻗﻴﻤﺔ ﺳﻨﺪات ﺧﺰﻳﻨﺔ‬ ‫أﺻﺪرﻫﺎ »اﻟﻤﺮﻛﺰي« ﻓﻲ ‪2014‬‬

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‫إﻳﺠﺎرات اﻟﻤﺴﺎﻛﻦ ﺗﻔﺘﺮس اﻟﻤﺮﺗﺒﺎت‬ ‫وﻋﻠﻰ اﻟﻤﺘﻀﺮر اﻓﺘﺮاش اﻟﺸﺎرع‬

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‫ا‪n‬ﺑﻨﻴﺔ اﻟﻨﻤﻮذﺟﻴﺔ ﺗﺘﺄﺳﺲ ﻋﻠﻰ‬ ‫ﻧﻤﺬﺟﺔ اﻟﺒﻴﺎﻧﺎت‬

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‫اﻟﺴﻴﺎح اﻟﻘﻄﺮﻳﻮن ﻳﻐﻴﺮون ﻣﻌﺎﻟﻢ‬ ‫أﻧﺒﺎء‬ ‫اﻟﺨﺎرﻃﺔ‪ ..‬واﻟﺼﻴﻒ أﺻﺪق‬ ‫ً‬

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‫ﺳﻮق اﻟﻐﺎز اﻟﻌﺎﻟﻤﻴﺔ ﺗﻌﺘﻤﺪ‬ ‫ﻧﻤﻮذج اﻟﻌﻘﻮد ا‪i‬ﻧﻴﺔ وﺻﻔﻘﺎت‬ ‫ﻗﻄﺮ ﺑﻨﺴﺒﺔ ‪% 38‬‬

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‫اﻟﺸﺮﻛﺎت اﻟﻌﺎﺋﻠﻴﺔ‪ :‬ﻗﺮان ﺑﻼ ﺷﻬﻮد‬ ‫واﻟﻌﺼﻤﺔ ﻓﻲ ﻳﺪ اﻟﻤﺆﺳﺲ‬


‫‪CONTENT‬‬ ‫‪CONTENT‬‬

‫‪50‬‬ ‫أزﻣﺔ اﻟﺴﻜﻦ ﻓﻲ ﻗﻄﺮ ‪34‬‬ ‫ﺗﻄﺎل ﻛﺒﺎر ﻣﻮﻇﻔﻲ اﻟﻘﻄﺎع‬ ‫اﻟﺤﻜﻮﻣﻲ وﻗﺎﺋﻤﺔ »اﻟﻮﻳﺘﻨﻎ‬ ‫ِﻟﻴﺴﺖ« ﺗﻄﻮل‬

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‫‪Business Class Magazine issue No. 52‬‬

‫»آرﺗﻚ« ﺗﻮﺳﻊ ﺳﻠﺴﻠﺔ ﻓﻨﺎدﻗﻬﺎ و»ﺳﺎﻧﺖ‬ ‫رﻳﺠﺲ واﺷﻨﻄﻦ دي ﺳﻲ« ﻟﻴﺲ آﺧﺮﻫﺎ‬

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‫ﻗﻄﺮ ا‪n‬وﻟﻰ ﻋﺮﺑﻴ ًﺎ ﻓﻲ ﻓﺮص اﻟﻌﻤﻞ‬ ‫وﻣﺘﺼﺪرة دول اﻟﻤﻨﻄﻘﺔ‬ ‫ﺑـ»أﻋﻠﻰ اﻟﺮواﺗﺐ«‬

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‫ﻛﻠﻨــﺎ ﻧﺴــﺘﻄﻴﻊ ﺗﻘﺪﻳﻢ‬ ‫اﻟﻤﺴــﺎﻋﺪة ﻓــﻲ رﻣﻀﺎن‬

+974 4494 0000 www.alkhaliji.com

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Business Class Magazine issue No. 52


‫أﺧﺒﺎر‬

‫ﺑﻨﻚ اﻟﺪوﺣﺔ ﻳﻔﺘﺘﺢ ﻣﻜﺘﺒﻪ اﻟﺘﻤﺜﻴﻠﻲ ﻓﻲ ﺟﻨﻮب أﻓﺮﻳﻘﻴﺎ‬

‫ﺳﻴﺘﺎرﻣﺎن‪ 12 :‬ﻣﻠﻴﺎر دوﻻر أﻣﺮﻳﻜﻲ ﺣﺠﻢ اﻟﺘﺒﺎدل‬ ‫اﻟﺘﺠﺎري ﺑﻴﻦ دول اﻟﺨﻠﻴﺞ وﺟﻨﻮب اﻓﺮﻳﻘﻴﺎ‬ ‫اﻟﺪوﺣﺔ‪ -‬ﺑﺰﻧﺲ ﻛﻼس‬ ‫‪25‬‬

‫‪2015‬‬

‫‪12‬‬ ‫‪2‬‬ ‫‪2‬‬

‫‪10‬‬

‫‪%‬‬ ‫‪%‬‬

‫‪2015‬‬

‫‪%‬‬

‫‪2014‬‬ ‫‪%‬‬

‫‪40‬‬ ‫‪20‬‬ ‫‪%‬‬

‫‪6‬‬

‫‪%‬‬

‫‪2013‬‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪2022‬‬


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‫أﺧﺒﺎر‬

‫ﻋﻠﻰ ﻣﻘﺮﺑﺔ ﻣﻦ اﻟﺒﻴﺖ ا‪n‬ﺑﻴﺾ ﻳﻨﺎم ﻋﻤﻼؤﻫﺎ‬

‫»آرﺗﻚ« ﺗﻮﺳﻊ ﺳﻠﺴﻠﺔ ﻓﻨﺎدﻗﻬﺎ و»ﺳﺎﻧﺖ رﻳﺠﺲ‬ ‫واﺷﻨﻄﻦ دي ﺳﻲ« ﻟﻴﺲ آﺧﺮﻫﺎ‬ ‫اﻟﺪوﺣﺔ‪ -‬ﺑﺰﻧﺲ ﻛﻼس‬ ‫أﻋﻠﻨﺖ ﺷﺮﻛﺔ اﻟﺮﻳﺎن ﻟﻼﺳﺘﺜﻤﺎر اﻟﺴﻴﺎﺣﻲ »آرﺗﻚ« اﻟﺬراع اﻻﺳﺘﺜﻤﺎري ﻟﻘﻄﺎع اﻟﻀﻴﺎﻓﺔ اﻟﻌﺎﻟﻤﻴﺔ‬ ‫واﻟﻤﻤﻠﻮﻛﺔ ﺑﺎﻟﻜﺎﻣﻞ ﻣﻦ ﻗﺒﻞ ﺷﺮﻛﺔ اﻟﻔﻴﺼﻞ اﻟﻘﺎﺑﻀﺔ‪ ،‬إﺣﺪى أﻛﺒﺮ اﻟﺸﺮﻛﺎت ﻣﺘﻨﻮﻋﺔ ا‪f‬ﻧﺸﻄﺔ‬ ‫ﻓﻲ ﻗﻄﺮ‪ ،‬ﻋﻦ اﺳﺘﺤﻮاذﻫﺎ ﻋﻠﻰ ﻓﻨﺪق ﺳﺎﻧﺖ رﻳﺠﺲ واﺷﻨﻄﻦ دي ﺳﻲ اﻟﺤﺎﺻﻞ ﻋﻠﻰ ﻋﺪة ﺟﻮاﺋﺰ‪.‬‬

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‫ﺗﻌﻜﺲ اﻟﺘﺰاﻣﻬﺎ ﺑﺪﻋﻢ وﺗﺤﻔﻴﺰ ﻛﻮادرﻫﺎ‬

‫ﻣﺠﻤﻮﻋﺔ ﺑﻨﻚ ﺑﺮوة ﺗﻘﻴﻢ اﻟﺤﻔﻞ اﻟﺴﻨﻮي ﻟﻠﻤﻮﻇﻔﻴﻦ‬ ‫اﻟﺪوﺣﺔ‪ -‬ﺑﺰﻧﺲ ﻛﻼس‬

‫“‬

‫‪25‬‬

‫“‬

‫”‬ ‫”‬

‫‪33‬‬

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‫أﺧﺒﺎر‬

‫ذراع اﻻﺳﺘﺜﻤﺎر ﺗﻄﺎل‬ ‫وأﻳﺎد‬ ‫اﻟﻮﻻﻳﺎت اﻟﻤﺘﺤﺪة‬ ‫ٍ‬ ‫ﺑﻴﻀﺎء ﻟﻠﺮﻳﺎن‬

‫‪2003‬‬

‫‪24‬‬ ‫‪182‬‬

‫‪10‬‬

‫‪Business Class Magazine issue No. 52‬‬


‫ وﻛﺎﻻت‬-‫واﺷﻨﻄﻦ‬

500

2013

42

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‫أﺧﺒﺎر‬

‫اﻟﺨﻼف ﻋﻠﻰ اﻟﺪﻋﻢ ﻻ ﻳﻔﺴﺪ ﻟﻠﻄﻴﺮان ﻗﻀﻴﺔ‬

‫دﻋﻮة ﻟﻌﻮدة »اﻟﻘﻄﺮﻳﺔ« ﻋﻦ ﺗﻬﺪﻳﺪﻫﺎ‬ ‫ﺑﻤﻐﺎدرة ﺗﺤﺎﻟﻒ »‪«oneworld‬‬

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‫أﺧﺒﺎر‬

‫ﺑﺎﻗﺔ ﺧﺪﻣﺎت ﻓﺮﻳﺪة ﺗﺒﺤﺚ ﻋﻦ اﻟﻘﻴﻤﺔ‪ ..‬واﻟﻌﻘﺎرات ﺗﺘﻜﻠﻢ ا ﻧﻜﻠﻴﺰﻳﺔ‬

‫ﻧﺪوة ﺑﺎﻟﺘﻌﺎون ﻣﻊ »أﻛﻮا ﺗﺮاﺳﺖ« ﺗﻨﻈﻤﻬﺎ راﺑﻄﺔ‬ ‫رﺟﺎل ا‪n‬ﻋﻤﺎل اﻟﻘﻄﺮﻳﻴﻦ‬ ‫اﻟﺪوﺣﺔ‪ -‬ﺑﺰﻧﺲ ﻛﻼس‬

‫”‬

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‫‪20‬‬

‫‪%‬‬

‫‪50‬‬

‫‪2015‬‬

‫ﻣﺠﻠﺲ إدارة اﻟﺨﻠﻴﺠﻲ ﻳﺠﺘﻤﻊ‬ ‫ﻓﻲ ﻣﻨﺘﺼﻒ ﻳﻮﻟﻴﻮ‬ ‫‪15‬‬

‫‪2015‬‬ ‫‪30‬‬

‫‪2015‬‬

‫‪Business Class Magazine issue No. 52‬‬

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‫أﺧﺒﺎر‬

‫ﻓﺎزا ﺑﺎﻟﻌﻄﺎء ﺑﻌﺪ ﻣﻨﺎﻗﺼﺔ ﺗﻨﺎﻓﺴﻴﺔ ﺷﻤﻠﺖ ‪ 10‬ﺷﺮﻛﺎت ﻋﺎﻟﻤﻴﺔ‬

‫»إﻋﻼن ﻗﻄﺮ« و»ﻓﻴﺮا ﺑﺮﺷﻠﻮﻧﺔ« ﻳﺪﻳﺮان ﻣﺮﻛﺰ‬ ‫اﻟﻤﻌﺎرض واﻟﻤﺆﺗﻤﺮات‬ ‫اﻟﺪوﺣﺔ ـ ﺑﺰﻧﺲ ﻛﻼس‬

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Business Class Magazine issue No. 52


‫أﺧﺒﺎر‬

‫ﻣﻦ أﺟﻞ اﻟﺒﻘﺎء ﻋﻠﻰ ﺳﺮﻳﺮ اﻟﺴﻼﻣﺔ‬

‫ﺣﻤﻠﺔ ﺗﻮﻋﻴﺔ ﻣﺘﻌﺪدة اﻻﺗﺠﺎﻫﺎت ﻳﻄﻠﻘﻬﺎ اﻟﻤﺠﻠﺲ‬ ‫ا‪n‬ﻋﻠﻰ ﻟﻠﺼﺤﺔ ﺗﺤﺖ ﺷﻌﺎر‪» :‬ﻣﺴﺘﻘﺒﻠﻨﺎ ﻓﻲ ﺻﺤﺘﻨﺎ«‬ ‫اﻟﺪوﺣﺔ‪ -‬ﺑﺰﻧﺲ ﻛﻼس‬ ‫رﻏﻢ أن اﻟﺼﺤﺔ ﻫﻲ أوﻟﻰ أوﻟﻴﺎت ا‪7‬ﻧﺴﺎن إﻻّ أﻧﻬﺎ ﺗﺒﻘﻰ ﻓﻲ اﻟﻐﺎﻟﺐ ﺣﺎﻟﺔ اﻫﺘﻤﺎم ﻓﺮدي ﺑﺤﺘﺔ‪،‬‬ ‫وﻟﻜﻦ ﺣﻴﻨﻤﺎ ﺗﺘﺤﻮل ﻟﺘﻜﻮن ﻫﻤ ًﺎ ﻣﺠﺘﻤﻌﻴ ًﺎ وإﺣﺪى اﻟﻤﺠﺎﻻت اﻟﺮﺋﻴﺴﻴﺔ ﻟﻌﻤﻞ اﻟﺪوﻟﺔ ﻓﺬﻟﻚ ﻣﺆﺷﺮ‬ ‫ﺷﺪﻳﺪ ا‪7‬ﻳﺠﺎﺑﻴﺔ ﻟﻴﺲ ﻓﻘﻂ ﻋﻠﻰ ﺣﺮص اﻟﺪوﻟﺔ ﻋﻠﻰ ﺻﺤﺔ ا‪f‬ﻓﺮاد ﺑﻞ ﺑﺸﻜﻞ أﻋﻤﻖ ﻫﻲ ﻣﺆﺷﺮ ﻋﻠﻰ‬ ‫ﻣﺴﺘﻮى اﻟﺮﻓﺎﻫﻴﺔ اﻟﺘﻲ وﺻﻠﺖ إﻟﻴﻬﺎ اﻟﺪوﻟﺔ ودﻟﻴﻞ ﻋﻠﻰ ﺗﺨﻄﻲ ﻫﺬه اﻟﺪوﻟﺔ ‪f‬ﻳﺔ إﺷﻜﺎﻟﻴﺎت ﺗﺘﻌﻠﻖ‬ ‫ﺑﺎﻻﺳﺘﻘﺮار وﻗﻮة اﻻﻗﺘﺼﺎد وﺗﺠﺎوز اﻟﻬﻤﻮم اﻟﻮﺟﻮدﻳﺔ واﻟﺘﻔﺮغ ﻟﺒﻨﺎء اﻟﻤﺠﺘﻤﻊ ﺑﻨﺎء ﻣﺘﻴﻨ ًﺎ وﻣﺘﻤﺎﺳﻜ ًﺎ‬ ‫وﻣﺴﺘﺸﺮﻓ ًﺎ ﻟ}ﻓﻖ اﻟﻤﺴﺘﻘﺒﻠﻲ ﻋﻠﻰ اﻟﻤﺪى اﻟﺒﻌﻴﺪ‪.‬‬

‫‪2011‬‬

‫–‬ ‫‪2030‬‬

‫‪–2011‬‬ ‫‪2030‬‬

‫‪18‬‬

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21

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‫أﺧﺒﺎر‬

‫اﻟﻘﺤﻄﺎﻧﻲ‪ :‬ﺣﺮﻳﺼﻮن‬ ‫ﻋﻠﻰ ﺗﻮﻓﻴﺮ أﻓﻀﻞ اﻟﻨﻈﻢ‬ ‫اﻟﻌﻼﺟﻴﺔ ﻟﺠﻤﻴﻊ أﻓﺮاد‬ ‫اﻟﻤﺠﺘﻤﻊ وﺗﻌﺰﻳﺰ اﻟﻮﻋﻲ‬ ‫اﻟﺼﺤﻲ ﻟﺪى ﺟﻤﻴﻊ‬ ‫اﻟﺴﻜﺎن‬

‫‪20‬‬

‫‪Business Class Magazine issue No. 52‬‬


‫‪%‬‬

‫‪45‬‬

‫‪%‬‬

‫‪50‬‬

‫‪%‬‬

‫‪ 7‬ﻣﻦ أﺻﻞ ‪ 10‬ﺷﺮﻛﺎت‬ ‫ﺗﻔﺸﻞ ﻓﻲ ﺗﺤﻘﻴﻖ‬ ‫اﻧﺘﻘﺎل ﺳﻠﺲ إﻟﻰ‬ ‫اﻟﺠﻴﻞ اﻟﺜﺎﻧﻲ‬

‫‪%‬‬

‫‪100‬‬

‫‪100‬‬

‫‪%‬‬

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‫‪23‬‬


‫ﺗﺤﻘﻴﻖ‬

‫اﻟﻬﻮاﺟﺲ ﺗﻘﺾ ﻣﻀﺎﺟﻌﻬﺎ وﺻﺎﺣﺐ اﻟﻤﺎل ﺗﻌﺒﺎن‬

‫اﻟﺸﺮﻛﺎت اﻟﻌﺎﺋﻠﻴﺔ‪:‬‬

‫ﻗﺮان ﺑﻼ ﺷﻬﻮد واﻟﻌﺼﻤﺔ ﻓﻲ ﻳﺪ اﻟﻤﺆﺳﺲ‬ ‫ﺑﺰﻧﺲ ﻛﻼس‪ -‬ﺑﺎﺳﻞ ﻟﺤﺎم‬ ‫ﺗﻠﻌﺐ اﻟﺸﺮﻛﺎت اﻟﻌﺎﺋﻠﻴﺔ ﻓﻲ ﻗﻄﺮ وﻓﻲ ﺑﺎﻗﻲ دول اﻟﺘﻌﺎون اﻟﺨﻠﻴﺠﻲ دورا‬ ‫ﻣﺤﻮرﻳﺎ ﻓﻲ ﺗﻨﻮﻳﻊ اﻻﻗﺘﺼﺎد ﺑﻨﺴﺐ ﺗﺘﺠﺎوز ‪ . %60‬وﺗﺴﺘﻤﺪ ﻫﺬه اﻟﺸﺮﻛﺎت‬ ‫أﻫﻤﺘﻬﺎ ﻣﻦ ﺗﻨﻔﻴﺬ ﻋﺪد ﻛﺒﻴﺮ ﻣﻦ اﻟﻤﺸﺮوﻋﺎت ﺗﺘﺠﺎوز ﻗﻴﻤﺘﻬﺎ ﻣﻠﻴﺎرات اﻟﺪوﻻرات‬ ‫ﻓﻲ اﻟﻤﻨﻄﻘﺔ ﺧﺎﺻﺔ ﻓﻲ ﻣﺠﺎل اﻟﺒﻨﻴﺔ ا‪f‬ﺳﺎﺳﻴﺔ وذﻟﻚ ﺑﺼﻔﺔ ﻣﻮازﻳﺔ ﻣﻊ‬ ‫اﻟﺸﺮﻛﺎت اﻟﻌﺎﻟﻤﻴﺔ وﺑﻬﺪف ﺗﺴﻬﻴﻞ ﻧﻘﻞ ﺧﺒﺮات ﻫﺬه اﻟﻤﺆﺳﺴﺎت ﻧﺤﻮ‬ ‫اﻟﺸﺮﻛﺎت اﻟﻌﺎﺋﻠﻴﺔ اﻟﺘﻲ ﺑﻠﻐﺖ ﻣﺮﺣﻠﺔ ﻛﺒﺮى ﻣﻦ اﻟﺘﻄﻮر ﺟﻌﻠﻬﺎ ﻣﺤﻞ ﻣﺘﺎﺑﻌﺔ‬ ‫ﻣﻦ ﻗﺒﻞ اﻻﻗﺘﺼﺎدﻳﻴﻦ أﺻﺤﺎب اﻟﻘﺮار ﻓﻲ ﻣﺨﺘﻠﻒ اﻟﻤﺠﺎﻻت ﺣﺘﻰ ﺗﻮﻓﺮ أﺳﺒﺎب‬ ‫اﻟﺘﻄﻮر ﺧﺎﺻﺔ ﺑﻌﺪ ﺗﻌﺎﻟﻲ ا‪f‬ﺻﻮات ﻓﻲ ا وﻧﺔ ا‪f‬ﺧﻴﺮة ﺑﻀﺮورة ﻓﺘﺢ رأس ﻣﺎل‬ ‫ﻫﺬه اﻟﺸﺮﻛﺎت أﻣﺎم ﻋﺪد ﻣﺘﺰاﻳﺪ ﻣﻦ اﻟﻤﺴﺘﺜﻤﺮﻳﻦ ﺧﺎرج ﻧﻄﺎق اﻟﻌﺎﺋﻠﺔ‪.‬‬

‫‪22‬‬

‫‪Business Class Magazine issue No. 52‬‬


25

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‫ﺗﺤﻘﻴﻖ‬

‫‪%95‬‬ ‫ﻣﻦ ﺷﺮﻛﺎت اﻟﻘﻄﺎع‬ ‫اﻟﺨﺎص ﻋﺎﺋﻠﻴﺔ وﻓﺘﺢ رأس‬ ‫اﻟﻤﺎل ﺣﻞ ﻳﺒﺤﺚ ﻋﻦ‬ ‫ﻣﺸﻜﻠﺔ!!‬

‫ﺗﺤﺮﻳﺮ اﻻﺳﺘﺜﻤﺎرات‬ ‫وﺑﻘﺎؤﻫﺎ داﺧﻞ ا‪n‬ﺳﺮة‬ ‫أﺣﺪ ﻋﻮاﻣﻞ اﻻﺳﺘﻤﺮار‬

‫‪24‬‬

‫‪Business Class Magazine issue No. 52‬‬


‫‪48‬‬

‫ﻣﻠﻴﺎر رﻳﺎل‬ ‫ﻗﻴﻤﺔ ﺳﻨﺪات ﺧﺰﻳﻨﺔ‬ ‫أﺻﺪرﻫﺎ »اﻟﻤﺮﻛﺰي« ﻓﻲ‬

‫‪2014‬‬

‫‪48‬‬ ‫‪2014‬‬ ‫‪%‬‬ ‫‪%‬‬ ‫‪%‬‬

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‫‪27‬‬


‫ﻣﺼﺎرف‬

‫ﺳﺪود ﻣﺎﻟﻴﺔ ﺗﻌﻴﺪ ﺗﻮﻟﻴﺪ ﻛﻬﺮﺑﺎء اﻻﺳﺘﺜﻤﺎر‬

‫‪ 104‬ﻣﻠﻴﺎر رﻳﺎل أذون ﺧﺰاﻧﺔ ﻳﺼﺪرﻫﺎ اﻟﻤﺼﺮف‬ ‫اﻟﻤﺮﻛﺰي ﺷﻬﺮﻳﺎ دارة اﻟﺴﻴﻮﻟﺔ‬ ‫ﺑﺰﻧﺲ ﻛﻼس‪ -‬ﻣﺤﻤﺪ ﻋﺒﺪ اﻟﺤﻤﻴﺪ‬ ‫ﻓﻲ اﻟﻮﻗﺖ اﻟﺬى ﻳﻨﺘﻌﺶ ﻓﻴﻪ اﻻﻗﺘﺼﺎد اﻟﻘﻄﺮي‪ ،‬وﺗﻨﻔﺬ اﻟﻤﺸﺎرﻳﻊ ﻋﻠﻰ أﻋﻠﻰ ﻣﺴﺘﻮى‪ ،‬ﺗﻮاﺻﻞ‬ ‫اﻟﺒﻨﻮك اﻟﻘﻄﺮﻳﺔ ﺗﻮﺟﻴﻪ وداﺋﻌﻬﺎ اﻟﻤﺘﺰاﻳﺪة ﻧﺤﻮ أذوﻧﺎت اﻟﺨﺰﻳﻨﺔ اﻟﺘﻲ ﻳﺼﺪرﻫﺎ ﻣﺼﺮف ﻗﻄﺮ اﻟﻤﺮﻛﺰي‬ ‫ﺑﺪ ًﻻ ﻣﻦ إﻗﺮاض ﺗﻠﻚ اﻟﻮداﺋﻊ ﻟﻼﻗﺘﺼﺎد اﻟﺤﻘﻴﻘﻲ‪ ،‬ﻣﻤﺎ رﻓﻊ ﻣﻤﺘﻠﻜﺎت اﻟﻘﻄﺎع ﻣﻦ ﻫﺬه اﻟﺴﻨﺪات‬ ‫وا‪f‬ذون اﻟﺤﻜﻮﻣﻴﺔ اﻟﻰ ﻧﺤﻮ ‪ 104‬ﻣﻠﻴﺎر رﻳﺎل ﺑﻨﻬﺎﻳﺔ اﻟﺸﻬﺮ اﻟﻤﺎﺿﻲ‪.‬‬

‫‪1‬‬

‫‪1‬‬

‫‪2015‬‬

‫‪1‬‬ ‫‪2015‬‬ ‫‪2015‬‬

‫ﻣﻜﺘﺒﺔ اﻗﺘﺼﺎد ﻣﺘﺤﺮﻛﺔ‬ ‫وإﺻﺪارات ﺷﻬﺮﻳﺔ ﺗﺮﻓﻊ‬ ‫ﺛﻘﺎﻓﺔ اﻟﻨﻤﻮ‬

‫‪2015‬‬ ‫‪% 10‬‬

‫‪4‬‬ ‫‪3‬‬ ‫‪28‬‬ ‫‪3‬‬

‫‪26‬‬

‫‪5‬‬ ‫‪1‬‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪5‬‬


‫اﻟﺴﻌﻴﺪي‪ :‬ﻗﻄﺮ ﻓﻲ‬ ‫ﺣﺎﺟﺔ ﻟﺘﻌﻤﻴﻖ ﺳﻮق‬ ‫دﻳﻨﻬﺎ اﻟﻤﺤﻠﻲ‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪29‬‬


‫ﻣﺼﺎرف‬

‫‪%10‬‬

‫ﻧﻤﻮ ًا ﻣﺘﻮﻗﻌ ًﺎ ‪n‬رﺑﺎح‬ ‫اﻟﺒﻨﻮك ﻓﻲ ﺳﺘﺔ أﺷﻬﺮ‬

‫ﻣﺤﻤﻮد‪ :‬ﻻ ﺗﻌﺎرض ﺑﻴﻦ‬ ‫اﺳﺘﺜﻤﺎر اﻟﺒﻨﻮك ﻓﻲ‬ ‫أذون اﻟﺨﺰاﻧﺔ وﺗﻤﻮﻳﻞ‬ ‫اﻟﻤﺸﺮوﻋﺎت‬

‫‪28‬‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪2014‬‬


‫‪%33‬‬

‫ﻣـﻦ إﺟﻤﺎﻟﻲ ﺗﺠﺎرة‬ ‫اﻟﻐﺎز اﻟﻄﺒﻴﻌﻲ‬ ‫اﻟﻤﺴﺎل ﻋﻘﻮد‬ ‫ﻋﺎﺟﻠﺔ‬

‫‪,8‬‬

‫‪,‬‬

‫‪476‬‬

‫ﻣﻠﻴﺎر ﻣﺘﺮ ﻣﻜﻌﺐ‬ ‫ارﺗﻔﺎع ﻓﻲ اﻟﻄﻠﺐ‬ ‫اﻟﺴـﻨﻮي ﺑﻴﻦ ‪- 2020‬‬ ‫‪2025‬‬

‫‪%‬‬

‫‪,5‬‬

‫‪2020‬‬ ‫‪2025‬‬

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‫‪31‬‬


‫ﻃﺎﻗﺔ‬ ‫ﺗﻘﺮﻳﺮ‬

‫ﻗﻄﺮ ﺗﻬﻴﻤﻦ‪..‬‬ ‫وﺑﺮﻗﻴﺎت »اﻟﻔﻮري‬ ‫واﻟﻌﺎﺟﻞ« ﺗﻤ ‬ ‫ﺑﺮﻳﺪﻫﺎ‬

‫ﺳﻮق اﻟﻐﺎز اﻟﻌﺎﻟﻤﻴﺔ ﺗﻌﺘﻤﺪ ﻧﻤﻮذج اﻟﻌﻘﻮد‬ ‫ا‪i‬ﻧﻴﺔ وﺻﻔﻘﺎت ﻗﻄﺮ ﺑﻨﺴـﺒﺔ ‪% 38‬‬ ‫ﺑﺰﻧﺲ ﻛﻼس‪ -‬ﺑﺎﺳﻞ ﻟﺤﺎم‬ ‫أﻟﻘﺖ ﺗﺪاﻋﻴﺎت أﺳﻌﺎر اﻟﻨﻔﻂ واﻟﻐﺎز ﺑﻈﻼﻟﻬﺎ ﻋﻠﻰ ﻫﻴﻜﻠﺔ وﺗﻨﻈﻴﻢ أﺳﻮاق اﻟﻄﺎﻗﺔ ﻓﻲ اﻟﻌﺎﻟﻢ‪ .‬وﻟﻢ‬ ‫ﻳﺴﺘﺜﻦ ﺑﺤﺮﻫﺎ اﻟﻤﺘﻼﻃﻢ أي ﻗﻄﺎع ذي ﺻﻠﺔ‪ ،‬ﺣﻴﺚ ﺷﻬﺪت أﺳﻮاق اﻟﻐﺎز اﻟﻤﺴﺎل اﻟﻌﺎﻟﻤﻴﺔ ﺗﻐ ّﻴﺮات ﺟﺬرﻳﺔ‬ ‫ﻓﻲ اﻟﻔﺘﺮة اﻟﻘﻠﻴﻠﺔ اﻟﻤﺎﺿﻴﺔ‪ ،‬ﺳﻤﺔ ﻣﻦ اﻟﻤﻨﺘﻈﺮ أن ﺗﺘﻮاﺻﻞ ﻓﻲ اﻟﻤﺪى اﻟﻤﺘﻮﺳﻂ واﻟﺒﻌﻴﺪ‪ .‬ﻓﻮﻓﻖ‬ ‫وﻛﺎﻟـﺔ اﻟﻄﺎﻗـﺔ اﻟﺪوﻟﻴـﺔ ﻳﻨﺘﻈﺮ ﻧﻤﻮ ﻏﻴﺮ ﻣﺴـﺒﻮق ﻓﻲ ﻣﻌﺮوض اﻟﻐﺎز‪ ،‬ﻣـﻊ ﻗﺪرة إﻧﺘـﺎج ‪ 150‬ﻣﻠﻴـﺎر ﻣﺘﺮ ﻣﻜﻌـﺐ‬ ‫ﺳـﻨﻮﻳﺎ ﻣـﻦ اﻟﻐـﺎز اﻟﻄﺒﻴﻌـﻲ اﻟﻤﺴﺎل‪ ،‬أي ﻣـﺎ ﻳﻌـﺎدل ‪ % 40‬ﻣـﻦ اﻟﻌﺮض اﻟﻌﺎﻟﻤﻲ ا‪7‬ﺟﻤﺎﻟﻲ اﻟﺤﺎﻟﻲ‪،‬‬ ‫ﺗﺆﻣﻨﻬﺎ اﺳﺘﺜﻤﺎرات إﻣﺎ ﺗﺤـﺖ ا‪7‬ﻧﺸﺎء أو ﻣﺨﻄـﻂ ﻟﻬـﺎ أن ﺗﺒـﺪأ ﺑﻴﻦ ﻋﺎﻣـﻲ ‪ 2015‬و‪.2019‬‬ ‫‪30‬‬

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‫‪20,‬‬ ‫‪70‬‬

‫‪2035 2024‬‬

‫‪%‬‬

‫‪17,1‬‬ ‫‪2021 2018‬‬ ‫‪FTA‬‬

‫ﻗﻄﺮ و ﻧﻴﺠﻴﺮﻳﺎ ﺗﺆﻣﻨﺎن‬ ‫‪ % 44‬ﻣـﻦ إﺟﻤﺎﻟﻲ‬ ‫أﺣﺠﺎم اﻟﻤﺒﻴﻌﺎت‬

‫‪15‬‬

‫‪50‬‬ ‫‪10‬‬

‫‪2020‬‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪33‬‬


‫ﻃﺎﻗﺔ‬

‫‪% 44‬‬

‫‪5‬‬ ‫‪,8‬‬ ‫‪2023‬‬

‫‪2000‬‬ ‫‪88,4‬‬

‫‪,3‬‬

‫‪%‬‬

‫‪%‬‬

‫‪27,4‬‬

‫‪%‬‬

‫‪2013‬‬ ‫‪% 38‬‬

‫‪% 70‬‬

‫»ﺷﺮاء اﻟﻤﻨﺎﻓﺴﺔ«‬ ‫اﺳﺘﺮاﺗﻴﺠﻴﺔ ﻣﻠﺤﺔ ﻟﻌﺒﻮر‬ ‫ﻧﻔﻖ اﻟﻤﺘﻐﻴﺮات‬

‫‪2020‬‬

‫‪42,2‬‬ ‫‪2013 2007‬‬ ‫‪33‬‬

‫‪32‬‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪%‬‬


‫ﺑﺰﻧﺲ ﻛﻼس‪ -‬ﻳﺎﺳﻴﻦ ﺧﻠﻴﻞ‬ ‫ﻳﺒﺪو أن اﻟﻨﻘﺺ اﻟﺤﺎد ﻓﻲ اﻟﻤﺴﺎﻛﻦ ﻓﻲ ﻗﻄﺮ أﺻﺒﺢ ﻻ ﻳﻘﺘﺼﺮ ﻓﻘﻂ ﻋﻠﻰ اﻟﻤﻐﺘﺮﺑﻴﻦ اﻟﺬﻳﻦ‬ ‫ﻳﺒﺤﺜﻮن ﻋﻦ اﻟﻌﻤﻞ ﻓﻲ اﻟﻤﺸﺎرﻳﻊ اﻟﻀﺨﻤﺔ ﻓﻲ اﻟﺪوﻟﺔ‪ ،‬إذ إﻧﻪ اﻣﺘﺪ ﻟﻴﻀﺮب ﻓﺌﺎت أﺧﺮى ﻣﻦ‬ ‫اﻟﻤﺠﺘﻤﻊ‪ ،‬وﻫﻢ ﻣﻮﻇﻔﻮ اﻟﻘﻄﺎع اﻟﺤﻜﻮﻣﻲ‪ ،‬وأﻓﺮاد اﻟﺸﺮﻃﺔ‪ ،‬وﻏﻴﺮﻫﻢ‪.‬‬ ‫وﻓﻲ اﻟﻮﻗﺖ اﻟﺬي ﺗﺘﻮﺳﻊ ﻓﻴﻪ ﺷﺮﻛﺎت اﻟﺘﻄﻮﻳﺮ اﻟﻌﻘﺎري ﻟﺒﻨﺎء اﻟﻤﺰﻳﺪ ﻣﻦ اﻟﻮﺣﺪات اﻟﺴﻜﻨﻴﺔ‪،‬‬ ‫ﻧﺠﺪ أن ﻫﻨﺎك أزﻣﺔ ﻳﻌﺎﻧﻴﻬﺎ ﻣﻮﻇﻔﻮ اﻟﻘﻄﺎع اﻟﺤﻜﻮﻣﻲ ﻓﻲ اﻟﺪوﻟﺔ ﻓﻲ اﻟﻔﺘﺮة ا‪f‬ﺧﻴﺮة ﺟﺮاء ﻋﺪم‬ ‫ﺗﻮاﻓﺮ اﻟﺴﻜﻦ ﻟﻬﻢ‪ ،‬ا‪f‬ﻣﺮ اﻟﺬي ﻳﻀﻄﺮ ﻣﻌﻪ ﻫﺆﻻء ﻟﻤﺘﺎﺑﻌﺔ ﻗﻮاﺋﻢ اﻻﻧﺘﻈﺎر واﻟﺘﻲ ﻗﺪ ﺗﻄﻮل‬ ‫ﻣﺪﺗﻬﺎ ‪f‬ﻛﺜﺮ ﻣﻦ ‪ 6‬أﺷﻬﺮ‪.‬‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪35‬‬


‫اﻟﻐﻼف‬

‫ﻣﺴﺎﺣﺎت وأﺑﻨﻴﺔ ﺑﻼ ﺳﻜﺎن ﻋﻠﻰ أﻃﺮاف اﻟﺪوﺣﺔ وﻓﻲ اﻟﻌﺎﺻﻤﺔ ﺗﻜﺪس‬

‫أزﻣﺔ اﻟﺴﻜﻦ ﻓﻲ ﻗﻄﺮ‬ ‫ﺗﻄﺎل ﻛﺒﺎر ﻣﻮﻇﻔﻲ اﻟﻘﻄﺎع اﻟﺤﻜﻮﻣﻲ وﻗﺎﺋﻤﺔ‬ ‫»اﻟﻮﻳﺘﻨﻎ ِﻟﻴﺴﺖ« ﺗﻄﻮل‬

‫‪34‬‬

‫‪Business Class Magazine issue No. 52‬‬


‫إدارة ا ﺳﻜﺎن‬ ‫اﻟﺤﻜﻮﻣﻲ ﺗﻔﺘﻘﺮ إﻟﻰ‬ ‫اﻟﻌﻘﺎرات ﻓﻲ اﻟﻮﻗﺖ‬ ‫اﻟﺮاﻫﻦ‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪37‬‬


‫اﻟﻐﻼف‬

‫‪30‬‬

‫اﻟﺘﻮﺳﻊ ﻓﻲ ﺑﻨﺎء‬ ‫اﻟﻮﺣﺪات اﻟﺴﻜﻨﻴﺔ ﺧﺎرج‬ ‫اﻟﻌﺎﺻﻤﺔ ﺿﺮورة آﻧﻴﺔ‬

‫‪36‬‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪300‬‬


‫ﺗﻔﺘﺘﺢ أول ﻣﻘﺮ ﻟﻬﺎ ﻓﻲ اﻟﺪوﺣﺔ‬

‫»ﻫﻴﺮﺗﻴﺰ داﻳﻢ« ﻟﺘﺄﺟﻴﺮ ﻣﻌﺪات اﻟﺒﻨﺎء ﺗﻌﻤﻞ‬ ‫ﺗﺤﺖ اﻟﻌﻼﻣﺔ اﻟﺘﺠﺎرﻳﺔ ﻟـ »ﻫﻴﺮﺗﺰ اﻟﻌﺎﻟﻤﻴﺔ«‬ ‫ﺑﺰﻧﺲ ﻛﻼس‪ -‬ﻳﺎﺳﻴﻦ ﺧﻠﻴﻞ‬

‫‪70‬‬

‫‪4‬‬

‫‪24‬‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪39‬‬


‫اﻟﻐﻼف‬

‫أﻛﺜﺮ ﻣﻦ ‪ 300‬ﻣﻦ ﻛﺒﺎر‬ ‫اﻟﻤﻮﻇﻔﻴﻦ ﻋﻠﻰ ﻗﻮاﺋﻢ‬ ‫اﻻﻧﺘﻈﺎر‬

‫‪2022‬‬

‫‪2022‬‬

‫‪38‬‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪2030‬‬


‫ﻣﻊ ﺳﺒﻖ ا ﺻﺮار واﻟﺘﺮﺻﺪ‬

‫إﻳﺠﺎرات اﻟﻤﺴﺎﻛﻦ ﺗﻔﺘﺮس اﻟﻤﺮﺗﺒﺎت وﻋﻠﻰ‬ ‫اﻟﻤﺘﻀﺮر اﻓﺘﺮاش اﻟﺸﺎرع‬

‫ﺑﺰﻧﺲ ﻛﻼس‪ -‬ﻣﺤﻤﺪ ﻋﺒﺪ اﻟﺤﻤﻴﺪ‬ ‫ﻣﺸﻜﻠﺔ ارﺗﻔﺎع ا‪7‬ﻳﺠﺎرات ﻋﺎدت ﻟﺘﻄﻞ ﺑﺮأﺳﻬﺎ ﻣﻦ ﺟﺪﻳﺪ ﻓﻲ ﻗﻄﺮ ﻟﺘﺬﻛﺮ‬ ‫اﻟﺠﻤﻴﻊ ﺑﺎﻻرﺗﻔﺎﻋﺎت اﻟﺘﻲ ﺑﻠﻐﺖ ذروﺗﻬﺎ ﻋﺎم ‪ ،2008‬ﻗﺒﻞ أن ﺗﺘﺪﺧﻞ‬ ‫اﻟﺤﻜﻮﻣﺔ وﻗﺘﻬﺎ ﻟﻠﺤﺪ ﻣﻦ ﻫﺬه اﻻرﺗﻔﺎﻋﺎت وﺗﺤﻮﻟﺖ ا‪7‬ﻳﺠﺎرات إﻟﻰ‬ ‫ﻏﻮل ﻛﺒﻴﺮ ﻳﻠﺘﻬﻢ أﻛﺜﺮ ﻣﻦ ﻧﺼﻒ ﻣﺮﺗﺒﺎت اﻟﻤﻘﻴﻤﻴﻦ و‪ % 40‬ﻣﻦ دﺧﻮل‬ ‫اﻟﻤﻮاﻃﻨﻴﻦ وﻫﻲ ﻧﺴﺒﺔ ﻣﺮﺗﻔﻌﺔ ﺟﺪا ﻣﻘﺎرﻧﺔ ﺑﺎﻟﻨﺴﺐ اﻟﻤﺘﻌﺎرف ﻋﻠﻴﻬﺎ‬ ‫ﻋﺎﻟﻤﻴﺎ اﻟﺘﻲ ﺣﺪدت ‪ %20‬ﺗﻘﺮﻳﺒﺎ ﻣﻦ إﺟﻤﺎﻟﻲ راﺗﺐ اﻟﻔﺮد‪.‬‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪41‬‬


‫اﻟﻐﻼف‬

Business Class Magazine issue No. 52

40


‫‪4‬‬

‫‪% 10‬‬

‫ا‪n‬ﻧﺼﺎري‪ :‬اﻻرﺗﻔﺎع‬ ‫اﻟﺴﻨﻮي ﻟ ﻳﺠﺎر ﻳﻔﺎﻗﻢ‬ ‫اﻟﻤﺸﻜﻠﺔ‬

‫‪%20‬‬ ‫‪50‬‬ ‫‪25‬‬

‫‪30‬‬

‫اﻟﻨﺴﺒﺔ اﻟﻌﺎﻟﻤﻴﺔ ﻟ ﻳﺠﺎر‬ ‫ﻣﻦ اﻟﺮاﺗﺐ وﻓﻲ ﻗﻄﺮ‬ ‫ﺗﺼﻞ إﻟﻰ ‪60%‬‬

‫‪%‬‬

‫‪%‬‬

‫‪50‬‬

‫‪20‬‬ ‫‪100‬‬

‫‪50‬‬

‫‪10‬‬ ‫‪Business Class Magazine issue No. 52‬‬

‫‪43‬‬


‫اﻟﻐﻼف‬

‫‪– 50‬‬

‫‪3‬‬

‫اﻟﺴﻜﻦ ﻟﻢ ﻳﻌﺪ ﺳﻜﻴﻨﺔ‬ ‫ﺑﻞ ﻣﺼﺪر ﻗﻠﻖ‪ ..‬وارﺗﻔﺎع‬ ‫إﻳﺠﺎر اﻟﺴﻜﻦ اﻟﻌﺎﺋﻠﻲ‬ ‫ﻳﺤﻮل اﻟﻮاﻓﺪﻳﻦ إﻟﻰ‬ ‫ﻛﺘﻠﺔ ﻣﻦ اﻟﻌﺰاب‬

‫‪42‬‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪15‬‬

‫‪10‬‬


‫‪50‬‬

‫اﺳﺘﺒﺪال اﻟﻌﻘﺎرات‬ ‫اﻟﻤﺘﻮﺳﻄﺔ‬ ‫ﺑﺎﻻﺳﺘﺜﻤﺎرﻳﺔ ﻗﻠﺺ ﻣﻦ‬ ‫اﻟﺴﻜﻦ اﻟﻤﺘﻮﺳﻂ‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪45‬‬


‫اﻟﻐﻼف‬

‫‪4500‬‬ ‫‪2400‬‬

‫ﻋﺎدل‪ :‬اﻟﺰﻳﺎدات اﻟﺘﻲ‬ ‫ﻳﻄﻠﺒﻬﺎ اﻟﻤﻼك ﺗﻤﺜﻞ‬ ‫ﻧﻮﻋﺎ ﻣﻦ اﻟﺘﺤﻜﻢ‬

‫‪44‬‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪3‬‬

‫‪4000 3000‬‬ ‫‪8‬‬ ‫‪4‬‬

‫‪5‬‬


‫‪BIM‬‬

‫ﺧﺒﺮاء‪ :‬ﻣﻌﺎﻳﻴﺮ اﻟﺴﻮق‬ ‫اﻟﻘﻄﺮﻳﺔ ﺣﺎﻟﻴ ًﺎ ﺗﺸﺎﺑﻪ‬ ‫ﻧﻈﻴﺮﺗﻬﺎ ﻓﻲ ا‪n‬ﺳﻮاق‬ ‫اﻟﻤﺘﻘﺪﻣﺔ‬ ‫‪BIM‬‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪47‬‬


‫اﻧﺸﺎءات‬ ‫ﻃﺎﻗﺔ‬

‫ﻣﺴﺘﻘﺒﻞ اﻟﺒﻨﺎء‬ ‫ﻓﻲ ﻗﻄﺮ ﻋﻠﻰ‬ ‫ﻣﻔﺘﺮق اﻟﻘﺮار‬

‫ﺧﻄﻮات واﺳﻌﺔ وﻣﻄﺒﺎت ﺗﺆﺧﺮ اﻟﻮﺻﻮل‬

‫ا‪n‬ﺑﻨﻴﺔ اﻟﻨﻤﻮذﺟﻴﺔ‬

‫ﺗﺘﺄﺳﺲ ﻋﻠﻰ ﻧﻤﺬﺟﺔ اﻟﺒﻴﺎﻧﺎت‬ ‫ﺑﺰﻧﺲ ﻛﻼس‪ -‬ﻳﺎﺳﻴﻦ ﺧﻠﻴﻞ‬ ‫ﻧﻤﺬﺟﺔ ﻣﻌﻠﻮﻣﺎت ا‪f‬ﺑﻨﻴﺔ »‪ «BIM‬ﻫﻲ ﻋﻤﻠﻴﺔ ﺻﻨﺎﻋﺔ وإدارة ﺑﻴﺎﻧﺎت اﻟﻤﺒﻨﻰ ﻓﻲ ﺟﻤﻴﻊ ﻣﺮاﺣﻠﻪ‪،‬‬ ‫وﻳﻌﺘﺒﺮ ﻫﺬا ا‪f‬ﺳﻠﻮب أﻛﺜﺮ ﻛﻔﺎءة وﻋﻤﻠﻴﺔ ﻣﻦ اﻟﻄﺮق اﻟﺘﻘﻠﻴﺪﻳﺔ ﻓﻲ اﻻﺳﺘﻌﻼم وﻣﺮاﻗﺒﺔ اﻟﺘﻜﺎﻟﻴﻒ‬ ‫ﻓﻲ ﻣﺸﺎرﻳﻊ اﻟﺒﻨﺎء‪ ،‬وﻳﺰﻳﻞ ﻫﺬا اﻟﻌﺪﻳﺪ ﻣﻦ اﻟﻤﻌﻮﻗﺎت واﻟﻤﻔﺎﺟﺂت اﻟﺘﻲ ﺗﻄﺮأ ﺧﻼل ﻓﺘﺮة اﻟﺘﻨﻔﻴﺬ ﺑﻤﺎ‬ ‫أﻧﻪ ﻳﻤﻜﻦ اﻟﺘﺤﻘﻖ ﻣﻨﻬﺎ ﺧﻼل ﻣﺮﺣﻠﺔ اﻟﺘﺼﻤﻴﻢ وﺗﻼﻓﻴﻬﺎ ﺣﺘﻰ ﻻ ﺗﻌﻮق اﻟﻌﻤﻞ ﻓﻴﻤﺎ ﺑﻌﺪ‪.‬‬ ‫‪46‬‬

‫‪Business Class Magazine issue No. 52‬‬


‫‪3‬‬

‫ﻗﻄﺎع ا ﻧﺸﺎءات ﻗﻄﻊ‬ ‫ﺷﻮﻃ ًﺎ ﻛﺒﻴﺮ ًا ﻓﻲ اﻋﺘﻤﺎد‬ ‫ﻧﻤﺬﺟﺔ ﻣﻌﻠﻮﻣﺎت ا‪n‬ﺑﻨﻴﺔ‬ ‫ﻓﻲ اﻟﺴﻨﻮات ا‪n‬ﺧﻴﺮة‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪49‬‬


‫اﻧﺸﺎءات‬

‫اﻟﺘﻐﻠﺐ ﻋﻠﻰ اﻟﻌﻘﺒﺎت‬ ‫اﻟﺘﻜﻨﻮﻟﻮﺟﻴﺔ ﻣﻬﻤﺔ‬ ‫اﻟﺪوﻟﺔ أو ًﻻ‬

‫ﻋﺪم ا ﻟﺰام وﻧﻘﺺ‬ ‫ا‪n‬ﻳﺪي اﻟﻌﺎﻣﻠﺔ اﻟﻤﺎﻫﺮة‬ ‫وﺗﻔﺎوت اﻟﻤﻬﺎرات‬ ‫وﻣﺴﺘﻮى اﻟﻘﻮى اﻟﻌﺎﻣﻠﺔ‬ ‫اﻟﻤﺘﻌﻠﻤﺔ اﻟﻤﺘﺎﺣﺔ ﻣﻦ‬ ‫أﻫﻢ اﻟﻌﻘﺒﺎت أﻣﺎم‬ ‫ﺗﻄﻮﻳﺮ ‪BIM‬‬

‫‪48‬‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪Uniformat‬‬


‫ﺑﺰﻧﺲ ﻛﻼس‪ -‬ﺑﺎﺳﻞ ﻟﺤﺎم‬ ‫ﺗﺸﻬﺪ ﻗﻄﺮ ﺣﺎﻟﻴﺎ ﻣﻮﺟﺔ ﺟﺪﻳﺪة ﻣﻦ اﻟﻮاﻓﺪﻳﻦ ﺑﺎﻟﺘﺰاﻣﻦ ﻣﻊ اﻟﺘﻮﺳﻊ ﻓﻲ‬ ‫ا‪f‬ﻋﻤﺎل ا‪7‬ﻧﺸﺎﺋﻴﺔ اﻟﺨﺎﺻﺔ ﺑﻤﺸﺎرﻳﻊ اﻟﺒﻨﻴﺔ اﻟﺘﺤﺘﻴﺔ ﻟﺘﺘﺤﻮل اﻟﺪوﺣﺔ اﻟﻰ‬ ‫ورﺷﺔ ﻋﻤﻞ ﻛﺒﻴﺮة‪ ،‬وﺗﺄﺗﻲ اﻟﻘﻮة اﻟﺪاﻓﻌﺔ ﻟﻬﺬه اﻟﻤﻮﺟﺔ اﻟﺠﺪﻳﺪة ﻓﻲ‬ ‫ا‪f‬ﺳﺎس ﻣﻦ اﻟﻌﻤﺎﻟﺔ ا‪f‬ﺟﻨﺒﻴﺔ اﻟﻘﺎدﻣﺔ ﻟﻤﻠﺊ اﻟﻔﺮص اﻟﻮﻇﻴﻔﻴﺔ اﻟﺘﻲ‬ ‫ﻧﺸﺄت ﻣﻦ ﺗﺴﺎرع ﺧﻄﻰ اﻟﺘﻄﻮﻳﺮ ﻓﻲ اﻟﺒﻨﻰ اﻟﺘﺤﺘﻴﺔ وﻣﺸﺎرﻳﻊ ﻣﻮﻧﺪﻳﺎل‬ ‫‪.2022‬‬ ‫وﻛﺸﻔﺖ دراﺳﺔ ﺣﺪﻳﺜﺔ ﻋﻦ ﺗﺼﺪر ﻗﻄﺮ دول اﻟﻤﻨﻄﻘﺔ ﻓﻲ ﺗﻮﻓﻴﺮ اﻟﻔﺮص‬ ‫اﻟﻮﻇﻴﻔﻴﺔ ﺧﻼل اﻟﻌﺎم اﻟﺠﺎري ‪ ،٢٠١٥‬ﻋﻠﻰ ﺧﻠﻔﻴﺔ اﻟﺒﺪء ﻓﻲ ﺗﻨﻔﻴﺬ‬ ‫ﻣﺸﺎرﻳﻊ اﻟﺒﻨﻴﺔ اﻟﺘﺤﺘﻴﺔ اﻟﻜﺒﺮى واﻟﺘﻲ ﻳﻌﺰزﻫﺎ اﻟﻨﻤﻮ اﻻﻗﺘﺼﺎدي اﻟﻘﻮي‬ ‫ﻟﻠﺪوﻟﺔ‪ ،‬ﻛﻤﺎ ﺗﺼﺪرت اﻟﻌﺎﺻﻤﺔ اﻟﻘﻄﺮﻳﺔ اﻟﺪوﺣﺔ ﻣﺪن اﻟﺸﺮق ا‪f‬وﺳﻂ‬ ‫ﻣﻦ ﺣﻴﺚ ﺗﻘﺪﻳﻢ أﻋﻠﻰ اﻟﺮواﺗﺐ ﻟﻠﻌﺎﻣﻠﻴﻦ ﻓﻴﻬﺎ‪.‬‬

‫‪Business Class Magazine issue No. 52‬‬

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‫ﺗﻘﺮﻳﺮ‬

‫اﻻﺳﺘﻌﺪادات ﻋﻠﻰ ﻗﺪﻣﻴﻦ وﺳﺎﻗﻴﻦ‪ ..‬واﻟﺮﺧﺎء ﺳﻴﺪ اﻟﻤﻮﻗﻒ‬

‫ﻗﻄﺮ ا‪n‬وﻟﻰ ﻋﺮﺑﻴ ًﺎ‬

‫ﻓﻲ ﻓﺮص اﻟﻌﻤﻞ وﻣﺘﺼﺪرة دول اﻟﻤﻨﻄﻘﺔ‬

‫ﺑـ»أﻋﻠﻰ اﻟﺮواﺗﺐ«‬

‫‪50‬‬

‫‪Business Class Magazine issue No. 52‬‬


‫ﻣﻮﺟﺎت ﻣﺘﺘﺎﻟﻴﺔ ﻳﻘﺬﻓﻬﺎ‬ ‫ﺑﺤﺮ اﻟﻌﻤﺎﻟﺔ ﻋﻠﻰ‬ ‫ﺷﻮاﻃﺊ اﻟﺪوﺣﺔ‬ ‫‪2022‬‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪53‬‬


‫ﺗﻘﺮﻳﺮ‬

‫‪2015‬‬

‫‪ 120‬أﻟﻒ واﻓﺪ ﺟﺪﻳﺪ‬ ‫ﺳﻨﻮﻳ ًﺎ ﻳﻨﻀﻤﻮن إﻟﻰ‬ ‫ورﺷﺔ اﻟﻌﻤﻞ اﻟﻘﻄﺮﻳﺔ‬ ‫اﻟﻤﻔﺘﻮﺣﺔ‬

‫‪2‬‬ ‫‪85‬‬

‫‪%‬‬

‫‪120‬‬

‫‪40‬‬

‫‪2012‬‬ ‫‪%‬‬

‫‪52‬‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪11‬‬


‫ﺛﻠﺜﺎ اﻟﻌﻤﺎﻟﺔ ا‪n‬ﺟﻨﺒﻴﺔ‬ ‫ﺑﻼ ﻣﻬﺎرات ﺣﺮﻓﻴﺔ‪..‬‬ ‫واﻟﺘﺨﺼﺼﺎت ﻳﺬﻫﺒﻦ‬ ‫اﻟﺴﻴﺌﺎت‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪55‬‬


‫ﺗﻘﺮﻳﺮ‬

‫اﻟﺨﺎﻃﺮ‪ :‬ﺷﺮوط ﻗﻄﺮ‬ ‫ﺟﺎذﺑﺔ واﻟﻌﺎﻣﻠﻮن ﻓﻴﻬﺎ‬ ‫ﻣﺤﺴﻮدون‬

‫‪54‬‬

‫‪Business Class Magazine issue No. 52‬‬


‫اﻟﺴﻴﺎح اﻟﻘﻄﺮﻳﻮن‬

‫أﻧﺒﺎء‬ ‫ﻳﻐﻴﺮون ﻣﻌﺎﻟﻢ اﻟﺨﺎرﻃﺔ‪ ..‬واﻟﺼﻴﻒ أﺻﺪق‬ ‫ً‬

‫ﺑﺰﻧﺲ ﻛﻼس‪-‬أﻧﺲ ﺳﻠﻴﻤﺎن‪:‬‬ ‫ﻳﺤﺮص ﻣﻌﻈﻢ اﻟﻘﻄﺮﻳﻴﻦ ﻋﻠﻰ ﻗﻀﺎء اﻟﻌﻄﻼت اﻟﺴﻨﻮﻳﺔ ﺧﻼل ﻓﺼﻞ‬ ‫اﻟﺼﻴﻒ ﻓﻲ أرﻗﻰ اﻟﻮﺟﻬﺎت اﻟﺴﻴﺎﺣﻴﺔ ﺣﻮل اﻟﻌﺎﻟﻢ وﺗﺘﻨﻮع ﺧﻴﺎرات‬ ‫اﻟﻤﺴﺎﻓﺮﻳﻦ ﺑﺤﺴﺐ اﺧﺘﻼف ا‪f‬ذواق‪ ،‬وإﻟﻰ وﻗﺖ ﻗﺮﻳﺐ ﻛﺎﻧﺖ اﻟﺪول اﻟﺴﻴﺎﺣﻴﺔ‬ ‫ﻓﻲ اﻟﺸﺮق ا‪f‬وﺳﻂ ﺗﺤﻈﻰ ﺑﺎﻫﺘﻤﺎم ﻛﺒﻴﺮ ﻣﻦ ﻗﺒﻞ اﻟﺴﻴﺎح اﻟﻘﻄﺮﻳﻴﻦ‪،‬‬ ‫وﻟﻜﻦ ﻓﻲ ﻇﻞ اﻻﺿﻄﺮاﺑﺎت ا‪f‬ﻣﻨﻴﺔ وﻋﺪم اﻻﺳﺘﻘﺮار اﻟﺴﻴﺎﺳﻲ ﻓﻲ اﻟﻌﺪﻳﺪ‬ ‫ﻣﻦ دول اﻟﻤﻨﻄﻘﺔ ﺗﻐﻴﺮت ﺑﻮﺻﻠﺔ اﻟﺴﻔﺮ ﻟﻠﻤﻮاﻃﻨﻴﻦ إﻟﻰ اﻟﻮﺟﻬﺎت ا‪f‬ورﺑﻴﺔ‬ ‫ودول ﺷﺮق آﺳﻴﺎ‪.‬‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪57‬‬


‫ﺳﻴﺎﺣﺔ‬

‫أوروﺑﺎ وآﺳﻴﺎ ﺑﺪﻳﻞ إﺟﺒﺎري‬ ‫واﻟﺸﺮق ا‪n‬وﺳﻂ ﻣﻘﻔﻞ‬ ‫ﺑﺴﺒﺐ »ا ﺻﻼﺣﺎت«‬

‫‪56‬‬

‫‪Business Class Magazine issue No. 52‬‬


‫‪30‬‬

‫‪%‬‬

‫‪1000‬‬

‫‪30‬‬

‫‪%‬‬

‫‪% 70‬‬

‫‪25‬‬

‫‪%‬‬

‫اﻟﻤﻼ‪ % 30 :‬ﻧﻤﻮ ًا‬ ‫ﻣﺘﻮﻗﻌ ًﺎ ﻓﻲ ﺣﺮﻛﺔ‬ ‫اﻟﺴﻴﺎﺣﺔ واﻟﺴﻔﺮ‬ ‫‪30‬‬

‫‪%‬‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪59‬‬


‫ﺳﻴﺎﺣﺔ‬

‫‪147‬‬

‫ﻣﻮﺳﻢ ‪2015‬‬

‫‪2015‬‬

‫ﻳﻌﻠﻦ اﻟﻨﺪاء ا‪n‬ﺧﻴﺮ‬ ‫واﻟﻤﺴﺎﻓﺮون ﻳﺨﺘﺎرون‬ ‫اﻟﺒﻮاﺑﺔ‬

‫‪70‬‬

‫‪58‬‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪%‬‬


‫ﻣﻦ واﻗﻊ اﻟﺤﺮص ﻋﻠﻰ ﻗﻴﻢ اﻟﺴﻴﺎﺣﺔ ﻓﻲ اﻟﺸﻬﺮ اﻟﻔﻀﻴﻞ‬

‫ﻫﻴﺌﺔ اﻟﺴﻴﺎﺣﺔ ﺗﻨﻈﻢ ﺣﻤﻠﺔ ﺗﻔﺘﻴﺶ ﻋﻠﻰ‬ ‫اﻟﺨﻴﺎم اﻟﺮﻣﻀﺎﻧﻴﺔ‬ ‫اﻟﺪوﺣﺔ ـ ﺑﺰﻧﺲ ﻛﻼس‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪61‬‬


‫ﺳﻴﺎﺣﺔ‬

‫‪2015‬‬

‫‪30‬‬

‫‪50‬‬ ‫‪4850‬‬

‫‪4250‬‬ ‫‪A380‬‬

‫اﻟﻄﻮﻳﻞ‪ :‬اﻟﻄﻔﺮة‬ ‫اﻟﺘﻨﻤﻮﻳﺔ ﺗﻌﺰز ﻧﺘﺎﺋﺞ‬ ‫ﺷﺮﻛﺎت اﻟﻄﻴﺮان‬

‫‪20‬‬ ‫‪2015‬‬ ‫‪%‬‬

‫‪60‬‬

‫‪Business Class Magazine issue No. 52‬‬


63

Business Class Magazine issue No. 52


‫ﺗﻜﻨﻮﻟﻮﺟﻴﺎ‬ ‫ﺳﻴﺎﺣﺔ‬

‫اﻟﺨﻄﻮط اﻟﺠﻮﻳﺔ اﻟﺘﺮﻛﻴﺔ ﺧﺒﺮ ﻋﺎﺟﻞ ﻳﻮﻣﻲ وا ﻋﻼﻣﻴﻮن ﻳﻜﺘﺒﻮن‬

‫رﺣﻠﺔ اﻟﺼﻴﻒ إﻟﻰ ﺑﻠﻐﺎرﻳﺎ‬ ‫وﻟﻠﺸﺘﺎء أﺟﻨﺪة‬

‫‪62‬‬

‫‪Business Class Magazine issue No. 52‬‬


KA 25

25

MI 4 M

4 C

400

1885

123-K

65

Business Class Magazine issue No. 52


‫ﺳﻴﺎﺣﺔ‬

‫ﺑﻠﻐﺎرﻳﺎ‪ -‬ﻣﻴﺎدة أﺑﻮ ﺧﺎﻟﺪ‬ ‫اﻟﺴﻴﺎﺣﺔ ﻓﻌﻞ اﺟﺘﻤﺎﻋﻲ ﻳﻬﺪف ﻋﺎﻣﺔ إﻟﻰ اﻟﺒﺤﺚ ﻋﻦ اﻟﻤﺘﻌﺔ واﻟﺘﺮﻓﻴﻪ‪ ،‬ﻏﻴﺮ أن‬ ‫ﻟﻠﺴﻴﺎﺣﺔ ﺟﻮاﻧﺒﻬﺎ اﻟﻤﻌﺮﻓﻴﺔ اﻟﻤﺘﻌﺪدة‪ ،‬ﻓﻬﻲ ﻟﺤﻈﺔ اﻛﺘﺸﺎف ﺗﺎرﻳﺨﻲ وﺟﻐﺮاﻓﻲ‪،‬‬ ‫وﻓﺮﺻﺔ ﻻﺳﺘﻜﺸﺎف ﺛﻘﺎﻓﺔ أﺧﺮى وﻣﻜﻮﻧﺎت اﺟﺘﻤﺎﻋﻴﺔ ﻣﺨﺘﻠﻔﺔ ﻣﻦ ﺧﻼل اﻻﻃﻼع‬ ‫ﻋﻠﻰ أﻧﻤﺎط اﻟﻔﻌﻞ واﻟﺘﻔﻜﻴﺮ ﺑﺘﺄﻣﻞ ﻣﻨﺘﺞ ﺗﻠﻚ اﻟﻤﺠﺘﻤﻌﺎت واﻟﻤﺘﻤﺜﻞ ﻓﻲ‬ ‫ﻣﻌﺎﻟﻤﻬﺎ اﻟﻤﺘﻌﺪدة‪.‬‬

‫‪335‬‬

‫‪200‬‬ ‫‪8‬‬

‫‪Balkan‬‬ ‫‪Show‬‬

‫‪64‬‬

‫‪Business Class Magazine issue No. 52‬‬


67

Business Class Magazine issue No. 52


‫ﺳﻴﺎرات‬

‫ﺑﻨﺘﻠﻲ ﻛﻮﻧﺘﻨﻨﺘﺎل اﻟﺠﺪﻳﺪة ‪ 635‬ﺣﺼﺎن ﺟﺎﻣﺢ‬ ‫‪12‬‬ ‫‪W12‬‬

‫‪820‬‬ ‫‪331‬‬

‫‪66‬‬

‫‪Business Class Magazine issue No. 52‬‬


250 –

411 1,

328

484 440 ,500

69

8 447

Business Class Magazine issue No. 52

880


‫ﺳﻴﺎرات‬

‫ﻓﻮرد ﺗﻘﺪم ﺳﻴﺎرﺗﻬﺎ اﻟﻬﺠﻮﻣﻴﺔ‬ ‫ﻣﻦ ﻫﻴﻨﻴﺴﻲ‬ ‫‪68‬‬

‫‪Business Class Magazine issue No. 52‬‬


‫ﻏﻮﻏﻞ ﺗﻄﻠﻖ دﻟﻴ ً‬ ‫ﻼ ﺧﺎﺻ ًﺎ ﺑﺸﻬﺮ رﻣﻀﺎن‬ ‫‪Google‬‬ ‫‪Now‬‬

‫واﺗﺲ آب ﺗﻄﻠﻖ ﻣﻴﺰة اﻟﺒﺤﺚ ﻓﻲ اﻟﻤﺤﺎدﺛﺎت ‪n‬ﻧﺪروﻳﺪ‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪71‬‬


‫ﺗﻜﻨﻮﻟﻮﺟﻴﺎ‬

‫‪ 6‬ﺗﻄﺒﻴﻘﺎت ﺗﺴﺎﻋﺪﺗﻚ ﻋﻠﻰ ﺗﻮﻓﻴﺮ وإﻧﻔﺎق أﻣﻮاﻟﻚ ﺑﻄﺮﻳﻘﺔ ذﻛﻴﺔ‬ ‫أﺻﺒﺤﺖ اﻟﺤﻴﺎة ﻣﻜﻠﻔﺔ‪ ،‬وأﺻﺒﺢ اﻟﺠﻤﻴﻊ ﺗﻘﺮﻳﺒﺎ ﻳﺤﺘﺎج إﻟﻰ ﻣﻦ ﻳﺴﺎﻋﺪه ﻋﻠﻰ إﻧﻔﺎق و ﺗﻮﻓﻴﺮ ا‪f‬ﻣﻮال‬ ‫ﺑﻄﺮﻳﻘﺔ أﻛﺜﺮ ﻋﻘﻼﻧﻴﺔ‪ ،‬و ﺑﺪﻻ ﻣﻦ ﻣﺴﺘﺸﺎر ﻣﺎﻟﻲ ﻳﻤﻜﻨﻚ ﺑﻜﻞ ﺑﺴﺎﻃﺔ ا‪7‬ﻋﺘﻤﺎد ﻋﻠﻰ ﺑﻌﺾ‬ ‫اﻟﺘﻄﺒﻴﻘﺎت اﻟﺘﻲ ﻳﻤﻜﻨﻬﺎ اﻟﻘﻴﺎم ﺑﻬﺬه اﻟﻤﻬﻤﺔ‪ ،‬وﻓﻴﻤﺎ ﻳﻠﻲ ﻧﺘﻌﺮف ﻋﻠﻰ ‪ 6‬ﻣﻨﻬﺎ‪:‬‬

‫‪Mint‬‬ ‫‪Mint.com‬‬

‫‪YNAB‬‬ ‫‪You Need A Budget‬‬

‫‪BillGuard‬‬

‫‪Apples2Oranges‬‬

‫‪BillGuard‬‬

‫‪Shopkick‬‬

‫‪Shopkick‬‬

‫‪70‬‬

‫‪Business Class Magazine issue No. 52‬‬

‫‪Acorn‬‬


Business Class Issue No. 46

78


Business Class Magazine issue No. 52

72


77

Business Class Issue No. 46


Business Class Issue No. 46

76


3

Business Class Magazine issue No. 52


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