Business Class Magazine Issue No. 90 by Business Class Magazine

‫اﺣﺘﻔﺎﻻت اﻟﺮﺑﻴﻊ ﺑﺴﻮق واﻗﻒ ﺗﻌﻴﺪ اﻻﻋﺘﺒﺎر ﻟﻠﻤﻜﺎن وﺗﻨﻌﺶ اﻟﺴﻴﺎﺣﺔ‬

‫ﻣﺠﻠــﺔ اﻗﺘﺼﺎدﻳــﺔ أﺳــﺒﻮﻋﻴﺔ ﺗﺼﺪر ﻛﻞ أﺣﺪ‬ ‫‪sunday 10-04-2016 - issue No.90‬‬

‫اﻟﻨﻔﻂ‬

‫ﻳﻀﻊ ﻋﻠﻰ اﻟﻤﺤﻚ‬ ‫ﻣﺼﺪاﻗﻴﺔ ﺗﺼﻨﻴﻔﺎت‬ ‫وﻛﺎﻻت اﻟﺘﺮﻗﻴﻢ اﻟﺴﻴﺎدي‬

‫اﻟﻘﻄﺎع اﻟﻌﻘﺎري‬

‫ﻳﺮﺳﻢ ﺧﺮﻳﻄﺔ اﻻﺳﺘﺜﻤﺎرات‬ ‫وﻳﺤﺪد ﻧﻘﻄﺔ اﻟﺘﻼﻗﻲ‬

‫‪25%‬‬ ‫ﻧﻤﻮ اﻟﺴﻴﺎﺣﺔ‬

‫اﻟﺨﻠﻴﺠﻴﺔ إﻟﻰ ﻗﻄﺮ ﺧﻼل‬ ‫اﻟﺮﺑﻊ ا‪O‬ول ﻣﻦ ﻋﺎم ‪2016‬‬

‫ﺳﻴﺪات ا‪O‬ﻋﻤﺎل‬ ‫ﻣﻐﻴﺒﺎت ﺑﺎ‪%‬ﻛﺮاه‬

‫؟!‬

‫اﻟﻤﺴﺘﺜﻤﺮ ﻳﺪﻓﻊ ﺛﻤﻦ ﺗﻀﺎرب اﻟﻤﻌﻠﻮﻣﺎت‬

‫ﺗﺸ ّﺪد اﻟﺒﻨﻮك ﻓﻲ ا‪%‬ﻗﺮاض‬ ‫ﺣﻘﻴﻘﺔ اﻗﺘﺼﺎدﻳﺔ أم‬

‫؟!‬

‫ﻛﺬﺑﺔ أﺑﺮﻳﻞ‬

‫ﺷﺮﻛﺔ ﺟﻴﺖ ﻣﻴﺪﻳﺎ ﻟﻠﻄﺒﺎﻋﺔ واﻟﻨﺸﺮ‬

‫رﺋﻴﺲ ﻣﺠﻠﺲ ا‪9‬دارة‬

‫اﻃﻠﺐ ﻣﺠﻠﺔ ﺑﺰﻧﺲ ﻛﻼس ﻣﻊ ﻗﻬﻮﺗﻚ‬ ‫ﻓﻲ ﻫﺬه اﻟﻔﻨﺎدق اﻟﻔﺎﺧﺮة‬

‫اﻟﺸﻴﺦ أﺣﻤﺪ ﺑﻦ ﺣﻤﺪ ﺑﻦ ﻋﻠﻲ آل ﺛﺎﻧﻲ‬ ‫ﻧﺎﺋﺐ رﺋﻴﺲ ﻣﺠﻠﺲ ا‪9‬دارة رﺋﻴﺲ اﻟﺘﺤﺮﻳﺮ‬

‫ﻣﻮﻓﻖ أﺑﻮ ﺧﺎﻟﺪ‬ ‫اﻟﺘﺴﻮﻳﻖ واﻟﻤﺒﻴﻌﺎت‬

‫ﻣﺪﻳﺮ اﻟﺘﺤﺮﻳﺮ‬

‫رﺷﺎ أﺑﻮ ﺧﺎﻟﺪ‬

‫رﻳﻤﺎ ﺣﺪاد‬

‫ﺳﻜﺮﺗﻴﺮ اﻟﺘﺤﺮﻳﺮ‬

‫اﻟﺘﺼﻮﻳﺮ‬

‫ﻣﻮﺳﻰ ﺧﺎﻟﺪ‬

‫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

‫‪1.5‬‬

‫‪10000‬‬

‫‪20‬‬ ‫‪/in/businessclassqatar‬‬

‫‪BusinessClassQatar‬‬

‫‪business_class_magazine‬‬

‫‪@BClassqatar‬‬

CMY

‫‪sunday 10-04-2016 - issue No.90‬‬

‫‪THIS ISSUE‬‬

‫‪58‬‬ ‫‪14 60‬‬

‫ﺗﻤﺜﻴﻞ ﺳﻴﺪات اﻻﻋﻤﺎل ﻓﻲ ﻣﺠﺎﻟﺲ‬ ‫ادارات اﻟﺸﺮﻛﺎت ﻣﻌﺪوم‬

‫‪18‬‬

‫اﻟﻨﻔﻂ ﻳﻀﻊ ﻋﻠﻰ اﻟﻤﺤﻚ ﻣﺼﺪاﻗﻴﺔ‬ ‫ﺗﺼﻨﻴﻔﺎت وﻛﺎﻻت اﻟﺘﺮﻗﻴﻢ اﻟﺴﻴﺎدي‬

‫‪26‬‬

‫اﻟﻘﻄﺎع اﻟﻌﻘﺎري ﻳﺮﺳﻢ ﺧﺮﻳﻄﺔ‬ ‫اﻻﺳﺘﺜﻤﺎرات وﻳﺤﺪد ﻧﻘﻄﺔ اﻟﺘﻼﻗﻲ‬

‫‪30‬‬

‫‪CONTENT‬‬ ‫‪CONTENT‬‬

‫ﻓﻲ اﻟﺪاﺧﻞ‬

‫‪% 25‬‬ ‫ﻧﻤﻮ اﻟﺴﻴﺎﺣﺔ اﻟﺨﻠﻴﺠﻴﺔ إﻟﻰ ﻗﻄﺮ‬ ‫ﺧﻼل اﻟﺮﺑﻊ ا‪t‬ول ﻣﻦ ﻋﺎم ‪2016‬‬

‫‪2‬‬

‫‪Business Class Magazine issue No. 90‬‬

‫‪44‬‬ ‫ﺗﺸﺪد اﻟﺒﻨﻮك ﻓﻲ اﻻﻗﺮاض‬ ‫ﺣﻘﻴﻘﺔ اﻗﺘﺼﺎدﻳﺔ أم‬

‫‪22‬‬

‫ﻛﺬﺑﺔ اﺑﺮﻳﻞ!‬

‫ﻣﺪﻳﺮ ﺷﺮﻛﺔ »ﻓﻴﺰا«‪ :‬ﺗﻜﻨﻮﻟﻮﺟﻴﺎ‬ ‫اﻟﻤﺪﻓﻮﻋﺎت اﺳﺘﺠﺎﺑﺔ ﻋﺼﺮﻳﺔ‬ ‫‪n‬ﻳﻘﺎع اﻟﺤﺪاﺛﺔ و»ﻓﻴﺰا« ﻋﺎﻟﻤﻴﺔ‬ ‫اﻻﻧﺘﺸﺎر‬

‫‪36‬‬

‫اﺣﺘﻔﺎﻻت اﻟﺮﺑﻴﻊ ﺑﺴﻮق واﻗﻒ‬ ‫ﺗﻌﻴﺪ اﻻﻋﺘﺒﺎر ﻟﻠﻤﻜﺎن وﺗﻨﻌﺶ‬ ‫اﻟﺴﻴﺎﺣﺔ‬

‫‪48‬‬

‫‪2000‬‬

‫‪15‬‬

‫‪ 500‬ﻣﻠﻴﻮن ﻳﻮرو وﻗﻄﺮ ﺗﻔﺘﺘﺢ اﻟﻤﺰاد‬

‫دار ا‪t‬زﻳﺎء »ﺑﺎﻟﻤﻦ« ﺗﺒﺤﺚ ﻋﻦ ﻣﺸﺘ ٍﺮ!!‬ ‫اﻟﺪوﺣﺔ‪ -‬ﺑﺰﻧﺲ ﻛﻼس‬

‫‪500‬‬

‫‪2012‬‬ ‫‪2011‬‬ ‫‪1945‬‬

‫‪H&M‬‬ ‫‪Business Class Magazine issue No. 90‬‬

‫‪5‬‬

‫أﺧﺒﺎر‬ ‫أﺧﺒﺎر‬

‫اﻟﺒﻨﺪري ﻟﻠﻌﻘﺎرات ﺗﺴﺘﻌﺪ ﻻﻓﺘﺘﺎح »ﺑﻲ ﺳﻜﻮﻳﺮ ﻣﻮل«‬ ‫اﻟﺪوﺣﺔ‪ -‬ﺑﺰﻧﺲ ﻛﻼس‬

‫‪15‬‬

‫‪25‬‬

‫‪4‬‬

‫‪Business Class Magazine issue No. 90‬‬

‫ﺳﻴﺘﻲ ﺳﻜﻴﺐ ﻗﻄﺮ ‪ 2016‬ﺑﺮﻋﺎﻳﺔ ﻣﻌﺎﻟﻲ اﻟﺸﻴﺦ‬ ‫ﻋﺒﺪا{ ﺑﻦ ﻧﺎﺻﺮ ﺑﻦ ﺧﻠﻴﻔﺔ آل ﺛﺎﻧﻲ‬ ‫اﻟﺪوﺣﺔ‪ -‬ﺑﺰﻧﺲ ﻛﻼس‬

‫‪60‬‬

‫‪26‬‬

‫‪28‬‬

‫‪2016‬‬

‫‪80 70‬‬

‫‪THE e18hteen‬‬

‫‪34‬‬

‫”‪.‬‬ ‫‪THE e18hteen‬‬

‫‪Business Class Magazine issue No. 90‬‬

‫‪7‬‬

‫أﺧﺒﺎر‬ ‫أﺧﺒﺎر‬

‫ا‪n‬ﺟﺮاءات اﻟﺘﻲ ﻻ ﺗُﻌﺘﻤﺪ ﻣﻦ وزارة اﻻﻗﺘﺼﺎد ﺑﺎﻃﻠﺔ‬

‫ﺧﺪﻣﺎت اﻟﻤﻮاﻗﻒ ورﻛﻦ اﻟﺴﻴﺎرات ﺗﻨﻈﻴﻢ ﻋﻦ ﺳﺒﻖ‬ ‫ا‪n‬ﺻﺮار وﻋﻴﻦ ﺣﻤﺮاء ﻋﻠﻰ اﻟﺮﺳﻮم‬ ‫اﻟﺪوﺣﺔ‪ -‬ﺑﺰﻧﺲ ﻛﻼس‬

‫‪30‬‬ ‫‪30‬‬

‫‪60‬‬

‫‪6‬‬

‫‪Business Class Magazine issue No. 90‬‬

‫‪250‬‬

‫رزﻣﺔ ﻣﻦ اﻟﻤﺒﺎدرات‬ ‫واﻟﺨﻄﻂ ﻟﺪﻋﻢ‬ ‫اﻟﻤﺸﺎرﻳﻊ اﻟﺼﻐﻴﺮة‬ ‫واﻟﻤﺘﻮﺳﻄﺔ ﻳﻘﺪﻣﻬﺎ‬ ‫ﺑﻨﻚ ﻗﻄﺮ ﻟﻠﺘﻨﻤﻴﺔ‬

‫‪100‬‬

‫‪Business Class Magazine issue No. 90‬‬

‫‪9‬‬

‫أﺧﺒﺎر‬ ‫أﺧﺒﺎر‬

‫ﻋﺒﺎءة اﻟﺪﻋﻢ ﻻ ﺗﺨﻔﻲ ﺟﺴﺎﻣﺔ اﻟﻌﻴﻮب واﻟﻤﻨﺎﻃﻖ اﻻﻗﺘﺼﺎدﻳﺔ ا ﻣﻨﺔ ﻣﻄﻠﺐ ﻣﻠﺢ‬

‫اﻟﺘﻴﺴﻴﺮ اﻟﺘﻤﻮﻳﻠﻲ ﺑﻼ اﻣﺘﻴﺎزات اﺳﺘﺜﻤﺎرﻳﺔ‬ ‫واﻟﻤﺸﺎرﻳﻊ اﻟﺼﻐﻴﺮة واﻟﻤﺘﻮﺳﻄﺔ ﺑﻼ‬ ‫ﻣﻮاﺻﻔﺎت ﻗﻴﺎﺳﻴﺔ‬ ‫اﻟﺪوﺣﺔ‪ -‬ﺑﺰﻧﺲ ﻛﻼس‬

‫‪10‬‬

‫‪.2030‬‬

‫‪450‬‬ ‫‪3‬‬

‫‪4.3‬‬ ‫‪800‬‬

‫‪8‬‬

‫‪600‬‬

‫‪Business Class Magazine issue No. 90‬‬

‫‪2016‬‬

‫ﻓﺘﺢ اﻟﺒﺎب أﻣﺎم‬ ‫اﻟﺸﺮﻛﺎت ا‪t‬ﺧﺮى وﺗﻮﺳﻴﻊ‬ ‫اﻟﻬﻮاﻣﺶ ﻓﻲ اﻻﺗﺠﺎﻫﻴﻦ‬

‫‪Business Class Magazine issue No. 90‬‬

‫‪11‬‬

‫أﺧﺒﺎر‬ ‫أﺧﺒﺎر‬

‫ﺑﻨﻚ ﻛﻴﻮ إﻧﻔﺴﺖ ﻳﺪرج ﻓﻲ اﻟﻌﺎم ‪ 2017‬واﻟﺪﺧﻮل ﻓﺮادى وﺟﻤﺎﻋﺎت‬

‫اﻟﺠﻴﺪة‪ :‬ﺻﻨﺎدﻳﻖ اﻟﻤﺤﺎﻓﻆ اﻻﺳﺘﺜﻤﺎرﻳﺔ‬ ‫واﻟﻌﻘﺎرﻳﺔ ﻗﺮﻳﺒﺎ ﻓﻲ اﻟﺒﻮرﺻﺔ اﻟﻘﻄﺮﻳﺔ‬ ‫اﻟﺪوﺣﺔ‪ -‬ﺑﺰﻧﺲ ﻛﻼس‬

‫‪2017‬‬

‫‪10‬‬

‫‪Business Class Magazine issue No. 90‬‬

2016 2016

28 â&#x20AC;&#x201C; 26 28 â&#x20AC;&#x201C; 26

www.cityscapeqatar.com info@cityscapeqatar.com + 971 4 336 5161 www.cityscapeqatar.com info@cityscapeqatar.com

The First and Only Weekly Magazine in Qatar Issued in Arabic

+ 97

‫أﺧﺒﺎر‬ ‫أﺧﺒﺎر‬

‫‪2017‬‬

‫اﻟﺼﻨﺎدﻳﻖ ﻣﺪﺧﻞ‬ ‫اﻟﻤﺤﺎﻓﻆ اﻟﻌﺎﻟﻤﻴﺔ إﻟﻰ‬ ‫اﻟﻘﻄﺎع اﻟﻌﻘﺎري ﻓﻲ‬ ‫ﻗﻄﺮ‬

‫‪15‬‬ ‫‪2016‬‬

‫‪20‬‬ ‫‪2015‬‬

‫‪12‬‬

‫‪Business Class Magazine issue No. 90‬‬

‫ﺗﻮﺻﻴﺎت ﺗﻔﺮض اﻟﻮﺻﺎﻳﺔ‬ ‫وﻗﺮارات إدارﻳﺔ ﺣﺴﺐ‬ ‫اﻟﻄﻠﺐ‬

‫‪Business Class Magazine issue No. 90‬‬

‫‪15‬‬

‫ﺑﻮرﺻﺔ‬ ‫ﺑﻮرﺻﺔ‬

‫اﻟﻌﺒﺜﻴﺔ ﺗﺪﻓﻊ ﺑﺎﻟﻤﺴﺘﺜﻤﺮﻳﻦ ﻟﻼﻧﺴﺤﺎب واﻟﺨﺮوج‬

‫ﺣﻴﺘﺎن اﻟﺒﻮرﺻﺔ ﻳﺴﻴﻄﺮون ﻋﻠﻰ اﻟﺴﻮق‬ ‫واﻟﻬﻮاﻣﻴﺮ ﻳﺘﺤﻮﻟﻮن إﻟﻰ ﻣﺴﺎﻫﻤﻴﻦ ﻃﻴﺎرﻳﻦ‬ ‫ﺑﺰﻧﺲ ﻛﻼس‪ -‬ﻣﻴﺎدة اﺑﻮ ﺧﺎﻟﺪ‬ ‫ﻟﻢ ﻳﺄت ﻗﺮار ﻣﺠﻤﻮﻋﺔ اﻟﻤﺴﺘﺜﻤﺮﻳﻦ اﻟﻘﻄﺮﻳﻴﻦ ﺑﺎﻻﻧﺴﺤﺎب واﻟﺨﺮوج ﻣﻦ ﺑﻮرﺻﺔ ﻗﻄﺮ واﻟﺘﺤﻮل إﻟﻰ‬ ‫ﺷﺮﻛﺔ ﻣﺴﺎﻫﻤﺔ ﺧﺎﺻﺔ ﻋﻦ ﻋﺒﺚ‪ ،‬وﻣﻊ أن اﻟﺨﻄﻮة ﺗﻌﺪ ا‪f‬وﻟﻰ ﻣﻦ ﻧﻮﻋﻬﺎ ﻣﻨﺬ ﺗﺄﺳﻴﺲ اﻟﺒﻮرﺻﺔ‬ ‫اﻟﻘﻄﺮﻳﺔ‪ ،‬ﻓﻲ ﻇﻞ ﻇﻬﻮر إﺷﻜﺎﻟﻴﺔ اﻟﺘﻤﻠﻚ ﻓﻲ اﻟﺸﺮﻛﺎت اﻟﻤﺴﺎﻫﻤﺔ وﻛﻴﻔﻴﺔ اﻟﺘﻌﺎﻣﻞ ﻣﻌﻬﺎ‪،‬‬ ‫ورﻏﺒﺔ ﺑﻌﺾ اﻟﺸﺮﻛﺎت ﺑﺎﻟﻤﺤﺎﻓﻈﺔ ﻋﻠﻰ ﻧﺴﺐ ﺗﻤﻠﻚ ا‪f‬ﺳﻬﻢ ﻓﻲ اﻟﺤﺪود اﻟﺘﻲ ﺗﻢ إﻗﺮارﻫﺎ‪ ،‬ﻣﺎ ﻗﺪ‬ ‫ﻳﺘﻌﺎرض ﻣﻊ رﻏﺒﺔ ﺑﻌﺾ اﻟﻤﺴﺘﺜﻤﺮﻳﻦ ﻓﻲ اﻻﺳﺘﺤﻮاذ ﻋﻠﻰ ﻧﺴﺐ ﻣﻌﻴﻨﺔ ﻓﻲ ﻫﺬه اﻟﺸﺮﻛﺎت‪.‬‬ ‫‪14‬‬

‫‪Business Class Magazine issue No. 90‬‬

‫ﺑﺄرﺑﺎح ﻓﺼﻠﻴﺔ ﺑﻠﻐﺖ ‪ 2.9‬ﻣﻠﻴﺎر رﻳﺎل‬

‫ﻧﺘﺎﺋﺞ »‪ «QNB‬ﺗﺤﺪد اﻟﻤﺸﻬﺪ اﻻﻗﺘﺼﺎدي ﻓﻲ ‪2016‬‬ ‫ﺑﺰﻧﺲ ﻛﻼس ‪ -‬ﺧﺎص‬ ‫‪”QNB‬‬

‫‪787‬‬

‫‪50%‬‬

‫‪.2016‬‬ ‫‪60%‬‬ ‫‪2.69‬‬ ‫‪2.45‬‬

‫‪7.5%‬‬ ‫‪2014‬‬ ‫‪%2‬‬

‫‪11.3‬‬

‫‪4.1‬‬ ‫‪%4‬‬

‫‪3.3‬‬ ‫‪2016‬‬

‫‪2014‬‬

‫‪10.5‬‬ ‫‪.7.6%‬‬

‫‪3.2‬‬ ‫‪5‬‬

‫‪QNB‬‬

‫‪QNB‬‬ ‫‪7.1%‬‬ ‫‪2015‬‬ ‫‪2.9‬‬ ‫‪Business Class Magazine issue No. 90‬‬

‫‪17‬‬

‫ﺑﻮرﺻﺔ‬ ‫ﺑﻮرﺻﺔ‬

‫ﺗﻔﺴﻴﺮات ﻣﺘﻀﺎرﺑﺔ‪..‬‬ ‫وﺗﻘﺎﻋﺲ اﻟﻬﻴﺌﺔ ﻋﻦ‬ ‫اﻟﻤﺮاﻗﺒﺔ ﺗﻬﻤﺔ ﺛﺎﺑﺘﺔ‬

‫‪16‬‬

‫‪Business Class Magazine issue No. 90‬‬

Business Class Magazine issue No. 90

‫ﺗﺤﻘﻴﻖ‬ ‫ﺗﺤﻘﻴﻖ‬

‫رﻏﻢ ﺣﻀﻮرﻫﺎ اﻟﻼﻓﺖ ﻓﻲ اﻟﻤﻨﺘﺪﻳﺎت اﻻﻗﺘﺼﺎدﻳﺔ‬

‫ﺗﻤﺜﻴﻞ ﺳﻴﺪات ا‪t‬ﻋﻤﺎل ﻓﻲ‬ ‫ﻣﺠﺎﻟﺲ إدارات اﻟﺸﺮﻛﺎت‬

‫ﻣﻌﺪوم!‬

‫ﺑﺰﻧﺲ ﻛﻼس ‪ -‬ﻣﺤﻤﺪ ﻋﺒﺪ اﻟﺤﻤﻴﺪ‬ ‫اﻧﺘﻬﻰ ا‪f‬ﺳﺒﻮع اﻟﻤﺎﺿﻲ ﻣﻮﺳﻢ اﻧﻌﻘﺎد اﻟﺠﻤﻌﻴﺎت اﻟﻌﻤﻮﻣﻴﺔ ﻟﻠﺸﺮﻛﺎت اﻟﻤﺴﺎﻫﻤﺔ‬ ‫اﻟﻤﺪرﺟﺔ ﻓﻲ ﺑﻮرﺻﺔ ﻗﻄﺮ‪ ،‬واﻟﺬي ﺷﻬﺪ ﻏﻴﺎﺑ ًﺎ واﺿﺤ ًﺎ ﻟﺴﻴﺪات ا‪f‬ﻋﻤﺎل ﺳﻮاء ﻋﻠﻰ ﻣﺴﺘﻮى‬ ‫ﻣﺠﺎﻟﺲ إدارات اﻟﺸﺮﻛﺎت أو اﻟﺘﻤﺜﻴﻞ ﻓﻲ اﻟﺠﻤﻌﻴﺎت اﻟﻌﻤﻮﻣﻴﺔ‪ ،‬ﻓﺮﻏﻢ ﺣﻀﻮرﻫﺎ اﻟﻼﻓﺖ‬ ‫ﻓﻲ اﻟﻤﻨﺘﺪﻳﺎت اﻻﻗﺘﺼﺎدﻳﺔ‪ ،‬وﻇﻬﻮر اﻟﻌﺪﻳﺪ ﻣﻦ ﺳﻴﺪات ا‪f‬ﻋﻤﺎل اﻟﻘﻄﺮﻳﺎت اﻟﻼﺋﻲ ﺣﻘﻘﻦ‬ ‫ﻧﺠﺎﺣﺎت ﻣﺘﻤﻴﺰة ﻓﻲ ﻣﺨﺘﻠﻒ اﻟﻤﺠﺎﻻت وﺣﺼﺪن اﻟﺠﻮاﺋﺰ؛ ﻓﻘﺪ ﻛﺸﻔﺖ إﺣﺼﺎﺋﻴﺔ أﻋﺪﺗﻬﺎ‬ ‫»ﺑﺰﻧﺲ ﻛﻼس« أن أﻋﻀﺎء ﻣﺠﺎﻟﺲ إدارات اﻟـ ‪ ٤٣‬ﺷﺮﻛﺔ اﻟﻤﺪرﺟﺔ ﻓﻲ اﻟﺒﻮرﺻﺔ ﻻ ﻳﻮﺟﺪ ﺑﻴﻨﻬﻢ‬ ‫ﺳﻴﺪة أﻋﻤﺎل واﺣﺪة‪.‬‬

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‫‪Business Class Magazine issue No. 90‬‬

‫ﻣﻄﺎﻟﺐ ﺑﺂﻟﻴﺔ ﺗﻀﻤﻦ‬ ‫ﺗﻤﺜﻴﻞ ﺳﻴﺪات ا‪t‬ﻋﻤﺎل‬ ‫ﻓﻲ إدارات اﻟﺸﺮﻛﺎت‬

‫‪15‬‬

‫‪2000‬‬ ‫ﺷﺮﻛﺔ أﻧﺜﻮﻳﺔ‬ ‫‪14‬‬

‫‪%‬‬

‫‪2000‬‬ ‫‪1‬‬

‫‪%‬‬

‫‪50‬‬

‫‪%‬‬

‫‪15‬‬

‫‪Business Class Magazine issue No. 90‬‬

‫‪21‬‬

‫ﺗﺤﻘﻴﻖ‬ ‫ﺗﺤﻘﻴﻖ‬

‫‪%14‬‬ ‫ﻣﻦ أﺻﺤﺎب ا‪t‬ﻋﻤﺎل‬ ‫و‪ % 50‬ﻣﻦ اﻟﻤﺘﻌﺎﻣﻠﻴﻦ‬ ‫ﻓﻲ ﺑﻮرﺻﺔ ﻗﻄﺮ‬

‫ﺳﻴﺪات أﻋﻤﺎل‬

‫اﻟﻌﺎدات واﻟﺘﻘﺎﻟﻴﺪ ﺗﺒﻌﺪ‬ ‫وإن‬ ‫اﻟﻤﺮأة ﻋﻦ ا‪n‬دارة ْ‬ ‫اﺳﺘﺤﻘ ْﺘﻬﺎ‬

‫‪20‬‬

‫‪Business Class Magazine issue No. 90‬‬

‫اﻟﻤﺴﺘﺜﻤﺮ ﻳﺪﻓﻊ ﺛﻤﻦ ﺗﻀﺎرب اﻟﻤﻌﻠﻮﻣﺎت‬

‫؟!‬

‫ﺗﺸ ّﺪد اﻟﺒﻨﻮك ﻓﻲ ا‪n‬ﻗﺮاض ﺣﻘﻴﻘﺔ أم‬

‫ﻛﺬﺑﺔ أﺑﺮﻳﻞ ؟!‬ ‫ﺑﺰﻧﺲ ﻛﻼس‪ -‬ﻣﺤﻤﺪ ﻋﺒﺪ اﻟﺤﻤﻴﺪ‬ ‫ﺷﻬﺪت اﻟﺴﺎﺣﺔ اﻻﻗﺘﺼﺎدﻳﺔ ﻓﻲ ﻗﻄﺮ ﻧﻮﻋ ًﺎ ﻣﻦ اﻟﺘﺠﺎذب‪ ،‬ﺑﻌﺪ أن ﺗﻨﺎﻗﻠﺖ ﺑﻌﺾ وﺳﺎﺋﻞ ا‪9‬ﻋﻼم‬ ‫أﺧﺒﺎراً ﺗﺘﺤﺪث ﻋﻦ ﺗﺸﺪد اﻟﺒﻨﻮك ﻓﻲ ﻣﻨﺢ اﻟﻘﺮوض اﻟﺸﺨﺼﻴﺔ ﻟﻠﺒﻨﻮك‪ ،‬وﻫﻮ ﻣﺎ ﺗﺴﺒﺐ ﻓﻲ ﻧﻮع ﻣﻦ‬ ‫اﻟﺒﻠﺒﻠﺔ اﻟﺘﻲ أدت ﺑﺸﻜﻞ ﻣﺒﺎﺷﺮ أو ﻏﻴﺮ ﻣﺒﺎﺷﺮ ﻓﻲ اﻧﺨﻔﺎض اﻟﺒﻮرﺻﺔ ﺑﺄﻛﺜﺮ ‪ % 2‬ﻓﻲ اﻟﻴﻮم اﻟﺘﺎﻟﻲ‬ ‫ﻟﻨﺸﺮ ﻫﺬه ا‪f‬ﺧﺒﺎر ﻗﺒﻞ أن ﻳﺘﺪﺧﻞ ﻣﺼﺮف ﻗﻄﺮ اﻟﻤﺮﻛﺰي وﻳﻨﻔﻲ ﻫﺬه ا‪f‬ﺧﺒﺎر ﺟﻤﻠﺔ وﺗﻔﺼﻴﻼ‪.‬‬

‫إرﺑﺎك ﺻﺮﻳﺢ ﻟﻠﻤﺴﺘﺜﻤﺮ‬ ‫واﻟﺒﻮرﺻﺔ وﺣﺎﻟﺔ ﻃﻮارئ‬ ‫ﻓﻲ ﺧﺰاﺋﻦ ا‪t‬ﻣﻮال‬

‫‪Business Class Magazine issue No. 90‬‬

‫‪23‬‬

‫اﻟﻐﻼف‬ ‫اﻟﻐﻼف‬

Business Class Magazine issue No. 90

‫‪% 70‬‬

‫ﻣﺤﺮوﻣﻮن‬

‫ﻣﻦ اﻟﻘﺮوض اﻟﺸﺨﺼﻴﺔ‬

‫أﻏﻠﺐ اﻟﻘﺮوض‬ ‫اﻟﺸﺨﺼﻴﺔ اﺳﺘﻬﻼﻛﻴﺔ‬ ‫وﻳﺘﻢ إﻧﻔﺎﻗﻬﺎ داﺧﻞ‬ ‫اﻟﺪوﻟﺔ‬

‫‪Business Class Magazine issue No. 90‬‬

‫‪25‬‬

‫اﻟﻐﻼف‬ ‫اﻟﻐﻼف‬

‫‪10‬‬ ‫‪70‬‬ ‫‪%‬‬

‫‪40‬‬

‫ﻋﺮﻗﻠﺔ اﻟﻘﺮوض‬ ‫اﻟﺸﺨﺼﻴﺔ ﺑﺬرﻳﻌﺔ ﺿﺒﻂ‬ ‫اﻟﺴﻴﻮﻟﺔ واﻟﻤﻘﻴﻤﻮن أول‬ ‫اﻟﻀﺤﺎﻳﺎ‬

‫‪24‬‬

‫‪Business Class Magazine issue No. 90‬‬

‫‪%‬‬

‫‪1‬‬

‫‪AA‬‬ ‫‪»F1+‬‬

‫‪AA‬‬

‫ﻓﻴﺘﺶ‪ :‬اﻟﻮﺿﻊ اﻟﻤﺎﻟﻲ‬ ‫ﻟﻠﺪوﻟﺔ ﺻﻠﺐ رﻏﻢ ﺣﺮﻛﺔ‬ ‫اﻟﺘﺼﺤﻴﺢ اﻟﻘﻮﻳﺔ ﻓﻲ‬ ‫أﺳﻮاق اﻟﻨﻔﻂ‬

‫‪Business Class Magazine issue No. 90‬‬

‫‪27‬‬

‫ﻃﺎﻗﺔ‬ ‫ﻃﺎﻗﺔ‬

‫اﻻﻗﺘﺼﺎد اﻟﻘﻄﺮي ﻧﻤﻮذﺟ ًﺎ‪..‬‬

‫اﻟﻨﻔﻂ ﻳﻀﻊ ﻋﻠﻰ اﻟﻤﺤﻚ ﻣﺼﺪاﻗﻴﺔ ﺗﺼﻨﻴﻔﺎت‬ ‫وﻛﺎﻻت اﻟﺘﺮﻗﻴﻢ اﻟﺴﻴﺎدي‬ ‫ﺑﺰﻧﺲ ﻛﻼس‪ -‬ﺑﺎﺳﻞ ﻟﺤﺎم‬ ‫ﻟﻢ ﻳُﻐﻴﺮ ﺗﺮاﺟﻊ أﺳﻌﺎر اﻟﻨﻔﻂ ﻛﺜﻴﺮا ﻓﻲ اﻟﺘﺼﻨﻴﻔﺎت اﻟﺴﻴﺎدﻳﺔ اﻟﺘﻲ ﺗﺤﺼﻠﺖ ﻋﻠﻴﻬﺎ ﻗﻄﺮ ﻓﻲ ا وﻧﺔ‬ ‫ا‪f‬ﺧﻴﺮة‪ ،‬ﻣﺨﻴﺒﺔ ﺑﺬﻟﻚ آﻣﺎل ﺑﻌﺾ اﻟﻤﺘﺸﺎﺋﻤﻴﻦ ﺣﻮل وﺿﻌﻴﺔ اﻻﻗﺘﺼﺎد وﻗﺪرﺗﻪ ﻋﻠﻰ اﺳﺘﻴﻌﺎب‬ ‫اﻟﺼﺪﻣﺎت واﻟﺘﻐﻴﺮات اﻟﺘﻲ ﺗﺮاﻓﻘﺖ ﻣﻊ ﺗﺮاﺟﻊ أﺳﻌﺎر اﻟﻨﻔﻂ اﻟﻌﺎﻟﻤﻴﺔ‪.‬‬ ‫وﺗﻮﻗﻌﺖ ﻣﻮدﻳﺰ أن ﻳﺼﻞ ﻣﻌﺪل ﻧﻤﻮ اﻟﻨﺎﺗﺞ اﻟﻤﺤﻠﻲ ا‪9‬ﺟﻤﺎﻟﻲ اﻟﺤﻘﻴﻘﻲ ﻟﻘﻄﺮ ‪ % 3.6‬ﺣﺘﻰ‬ ‫‪ ،2019‬ﺑﺎﻧﺨﻔﺎض ﻛﺒﻴﺮ ﻣﻘﺎرﻧﺔ ﻣﻊ ﻣﺘﻮﺳﻂ ﻧﻤﻮ ﻓﺎق ‪ % 6‬ﺑﻴﻦ ﻋﺎم ‪ 2011‬وﻋﺎم ‪.2015‬‬ ‫وأﺷﺎرت ﻣﻮدﻳﺰ أن ﻗﻄﺮ ﺗﻌﺘﻤﺪ ﺑﺸﻜﻞ ﻛﺒﻴﺮ ﻋﻠﻰ اﻟﻨﻔﻂ واﻟﻐﺎز ﻓﻲ دﻓﻊ ﻋﺠﻠﺔ ا‪9‬ﻧﺘﺎج‪ ،‬وﺗﻤﺜﻞ‬ ‫اﻟﻤﺤﺮوﻗﺎت ‪ % 75‬ﻣﻦ ﺻﺎدرﺗﻬﺎ‪ ،‬وأﻛﺜﺮ ﻣﻦ ‪ % 50‬ﻣﻦ ﻧﺎﺗﺠﻬﺎ اﻟﻤﺤﻠﻲ ا‪9‬ﺟﻤﺎﻟﻲ‪ ،‬وأﻛﺜﺮ ﻣﻦ ‪% 80‬‬ ‫ﻣﻦ إﻳﺮاداﺗﻬﺎ اﻟﺤﻜﻮﻣﻴﺔ‪.‬‬ ‫‪26‬‬

‫‪Business Class Magazine issue No. 90‬‬

‫‪%‬‬

‫‪6‬‬ ‫‪10‬‬

‫‪54‬‬

‫‪2016‬‬

‫‪%‬‬

‫‪87‬‬ ‫‪% 120‬‬

‫‪24‬‬

‫‪2015‬‬

‫‪30‬‬ ‫‪105‬‬ ‫‪2014‬‬

‫‪17‬‬ ‫‪7‬‬

‫‪2015‬‬

‫‪%‬‬

‫ﺗﻤﻮﻳﻞ ﻋﺠﺰ اﻟﻤﻴﺰاﻧﻴﺔ‬ ‫اﻟﻤﺘﻮﻗﻊ ﻟﻦ ﻳﻜﻮن ﻋﺒﺮ‬ ‫اﻟﻠﺠﻮء إﻟﻰ أﺻﻮل ﺟﻬﺎز‬ ‫ﻗﻄﺮ ﻟﻼﺳﺘﺜﻤﺎر‬

‫‪20.4‬‬ ‫‪.2016‬‬

‫‪2016‬‬

‫‪2022‬‬

‫‪2017 2016‬‬

‫‪12‬‬

‫‪Business Class Magazine issue No. 90‬‬

‫‪29‬‬

‫ﻃﺎﻗﺔ‬ ‫ﻃﺎﻗﺔ‬

‫‪2016‬‬ ‫‪48‬‬

‫ﻣﻮدﻳﺰ‪ :‬اﻋﺘﻤﺎد ﻗﻄﺮ ﻋﻠﻰ‬ ‫اﻟﻨﻔﻂ أﺛﺮ ﻋﻠﻰ أداء‬ ‫اﻟﻨﺎﺗﺞ اﻟﻤﺤﻠﻲ ا‪n‬ﺟﻤﺎﻟﻲ‬ ‫‪300‬‬ ‫‪2015‬‬

‫‪65‬‬

‫‪2016‬‬

‫‪202.5‬‬ ‫‪218.4‬‬

‫‪46.5‬‬

‫‪330‬‬ ‫‪.2017‬‬ ‫‪2016‬‬ ‫‪% 50‬‬ ‫‪.2014‬‬

‫‪2016‬‬

‫‪28‬‬

‫‪Business Class Magazine issue No. 90‬‬

‫‪156‬‬

‫‪226‬‬

‫‪261‬‬

‫اﻟﺼﻨﺎﻋﺎت اﻟﻌﻘﺎرﻳﺔ‬ ‫ﻣﻨﻈﻮﻣﺔ ﻟﻮﺟﺴﺘﻴﺔ‬ ‫ﻣﺘﻌﺪدة ا‪t‬ﻫﺪاف‬

‫‪Business Class Magazine issue No. 90‬‬

‫‪31‬‬

‫ﻋﻘﺎرات‬ ‫ﻋﻘﺎرات‬

‫اﻟﻮﺟﻬﺔ اﻟﻤﻔﻀﻠﺔ ﻟﻠﻤﺴﺘﺜﻤﺮﻳﻦ اﻟﻘﻄﺮﻳﻴﻦ رﻏﻢ ﺗﻔﺮّﻋﺎت اﻟﻄﺮﻳﻖ‬

‫اﻟﻘﻄﺎع اﻟﻌﻘﺎري ﻳﺮﺳﻢ ﺧﺮﻳﻄﺔ اﻻﺳﺘﺜﻤﺎرات‬ ‫وﻳﺤﺪد ﻧﻘﻄﺔ اﻟﺘﻼﻗﻲ‬ ‫ﺑﺰﻧﺲ ﻛﻼس‪ -‬ﺑﺎﺳﻞ ﻟﺤﺎم‬ ‫ﻻزال اﻟﻘﻄﺎع اﻟﻌﻘﺎري ﻓﻲ ﻗﻄﺮ اﻟﻮﺟﻬﺔ اﻟﻤﻔﻀﻠﺔ ﻟﻠﻤﺴﺘﺜﻤﺮﻳﻦ‪ ،‬ﺣﻴﺚ ﺗﻘﺪر ﺣﺠﻢ اﻻﺳﺘﺜﻤﺎرات ﻓﻲ‬ ‫اﻟﻘﻄﺎع اﻟﻌﻘﺎري اﻟﻘﻄﺮي ﺧﻼل اﻟﻌﺎﻣﻴﻦ ‪ 2017-2016‬ﺑﻨﺤﻮ ‪ 40‬ﻣﻠﻴﺎر دوﻻر‪.‬‬ ‫اﻧﺘﻌﺎش اﻟﻘﻄﺎع اﻟﻌﻘﺎري ودوره ﻓﻲ اﻟﺘﻨﻮﻳﻊ اﻻﻗﺘﺼﺎدي ﻓﻲ ﻗﻄﺮ أﻛﺪه رﺟﻞ ا‪f‬ﻋﻤﺎل ﻣﻨﺼﻮر‬ ‫اﻟﻤﻨﺼﻮر‪ ،‬ﻣﺸﻴﺮا إﻟﻰ أن ﻧﺴﻖ ﺗﻨﻔﻴﺬ اﻟﻤﺸﺎرﻳﻊ وارﺗﻔﺎع وﺗﻴﺮﺗﻬﺎ ﺳﻴﺆﺛﺮ دون ﺷﻚ ﻋﻠﻰ اﻟﻘﻄﺎع‬ ‫اﻟﻌﻘﺎري ﻓﻲ اﻟﻨﺼﻒ اﻟﺜﺎﻧﻲ ﻣﻦ اﻟﻌﺎم‪.‬‬ ‫‪30‬‬

‫‪Business Class Magazine issue No. 90‬‬

‫‪2014‬‬ ‫‪22‬‬ ‫‪100‬‬

‫اﻟﻤﻨﺼﻮر‪ :‬اﻟﻘﻄﺎع‬ ‫اﻟﺼﻨﺎﻋﻲ ﻳﻐﺬي‬ ‫اﻟﻘﻄﺎﻋﺎت اﻟﻌﻘﺎرﻳﺔ‬ ‫وﻏﻴﺮﻫﺎ ﻓﻲ اﻟﻔﺘﺮة‬ ‫اﻟﻘﺎدﻣﺔ‬

‫‪6‬‬

‫‪1100‬‬

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‫ﻋﻘﺎرات‬ ‫ﻋﻘﺎرات‬

‫‪40‬‬

‫ﻣﻠﻴﺎر رﻳﺎل‬

‫ﺣﺠﻢ اﻻﺳﺘﺜﻤﺎرات ﻓﻲ‬ ‫اﻟﻘﻄﺎع اﻟﻌﻘﺎري ﺧﻼل‬ ‫اﻟﻌﺎﻣﻴﻦ ‪2017-2016‬‬

‫اﻟﻘﻄﺎع اﻟﻌﻘﺎري ﻣﺤﺮك‬ ‫اﻟﺒﺤﺚ ﻓﻲ ﺷﺒﻜﺔ‬ ‫اﻟﺘﻨﻮﻳﻊ اﻻﻗﺘﺼﺎدي‬

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‫ﺗﺴﻬﻴﻞ اﺳﺘﺨﺪام‬ ‫ﻣﻨﺼﺎت اﻟﺪﻓﻊ اﻟﺮﻗﻤﻲ‬ ‫ﻣﺴﺆوﻟﻴﺔ ﺗﻘﻊ ﻋﻠﻰ‬ ‫ﻋﺎﺗﻘﻨﺎ‬

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‫ﺣﻮار‬ ‫ﺣﻮار‬

‫ﻣﺪﻳﺮ ﺷﺮﻛﺔ »ﻓﻴﺰا« ﻟـ »ﺑﺰﻧﺲ ﻛﻼس«‪:‬‬ ‫ﺗﻜﻨﻮﻟﻮﺟﻴﺎ اﻟﻤﺪﻓﻮﻋﺎت اﺳﺘﺠﺎﺑﺔ ﻋﺼﺮﻳﺔ ‪n‬ﻳﻘﺎع‬ ‫اﻟﺤﺪاﺛﺔ و»ﻓﻴﺰا« ﻋﺎﻟﻤﻴﺔ اﻻﻧﺘﺸﺎر‬ ‫ﺑﺰﻧﺲ ﻛﻼس‪ -‬ﻣﻴﺎدة أﺑﻮ ﺧﺎﻟﺪ‬ ‫إن اﻟﺤﻴﺎة ﺑﺮﻣﺘﻬﺎ ووﻓﻖ اﻟﺘﺤﺪﻳﺜﺎت اﻟﻤﺘﺘﺎﻟﻴﺔ اﻟﺘﻲ ﺗﻄﺮأ ﻋﻠﻴﻬﺎ ﺗﺤﻮﻟﺖ‬ ‫ﻟﻴﺲ ﻓﻲ ذﻟﻚ ﺟﺪﻳﺪ ْ‬ ‫إن ﻗﻠﻨﺎ ّ‬ ‫إﻟﻰ ﺳﻴﺴﺘﻢ رﻗﻤﻲ ﻻ ﻳﻤﻜﻦ اﻟﺨﺮوج ﻣﻨﻪ ﺑﺎﻋﺘﺒﺎره ﺷﺒﻜﺔ ﺗﺮﺑﻂ ﻣﺠﻤﻞ ﻋﻼﻗﺎت ا‪9‬ﻧﺴﺎن ﺑﺎﻟﻤﺤﻴﻂ‬ ‫وﺑﺎﻟﺨﺎرج أﻳﻀ ًﺎ‪..‬‬ ‫وإذا ﻛﺎﻧﺖ اﻟﺤﺎﻟﺔ اﻟﺮﻗﻤﻴﺔ ﺗﺤﻴﻂ ﺑﺤﻴﺎة ا‪9‬ﻧﺴﺎن ﻓﻲ ﺟﻮاﻧﺒﻬﺎ اﻟﻤﺘﻌﺪدة‪ ،‬ﻓﻜﻴﻒ ﺑﺤﻴﺎﺗﻪ اﻟﻤﺮﺗﺒﻄﺔ‬ ‫أﺻ ً‬ ‫ﻼ ﺑﺎ‪f‬رﻗﺎم؟ وﻫﻲ ﻫﻨﺎ ﺑﺎﻟﻀﺒﻂ ﻣﻨﻈﻮﻣﺎت اﻟﺒﻴﻊ واﻟﺸﺮاء واﻟﺪﻓﻊ واﻟﺘﻲ أﺿﺤﺖ ﻣﻦ ﺿﻤﻦ‬ ‫ﺑﺪﻫﻴﺎت اﻟﺘﻜﻨﻮﻟﻮﺟﻴﺎ اﻟﺮﻗﻤﻴﺔ وﻻ ﺗﺰال ﺗﺘﻄﻮر ﺑﺸﻜﻞ ﻣﻨﻬﺠﻲ ﻣﺘﻮاﺗﺮ‪.‬‬ ‫ﻓﻲ ﻫﺬا اﻟﻤﺠﺎل‪ ،‬ﺗﺒﺪو ﺷﺮﻛﺔ »ﻓﻴﺰا« ﻣﻦ أﻛﺜﺮ اﻟﺤﺎﻻت اﻟﺘﻜﻨﻮﻟﻮﺟﻴﺔ اﻟﺘﻲ ﺗﺴﺘﺪﻋﻲ اﻟﺘﻮﻗﻒ ﻋﻨﺪﻫﺎ‬ ‫ﺑﺸﻜﻞ ﻣﻔﺼﻞ ﻟﻤﻌﺮﻓﺔ آﺧﺮ اﻟﺘﺤﺪﻳﺜﺎت ﻋﻠﻰ ﻣﺴﺘﻮى اﻟﻤﻨﻄﻘﺔ واﻟﻤﺮﺗﺒﻄﺔ ﺑﺂﻟﻴﺎت اﻟﺪﻓﻊ اﻟﺮﻗﻤﻲ‪،‬‬ ‫ورﺑﻤﺎ ﻛﺎن اﻟﺤﻮار ﻣﻊ اﻟﺴﻴﺪ‪ /‬ﻫﺎدي رﻋﺪ ﻣﺴﺆول اﻟﻤﻨﺘﺠﺎت اﻟﻨﺎﺷﺌﺔ واﻻﺑﺘﻜﺎر ﻟﻤﻨﻄﻘﺔ أوروﺑﺎ‬ ‫اﻟﻮﺳﻄﻰ واﻟﺸﺮق ا‪f‬وﺳﻂ وأﻓﺮﻳﻘﻴﺎ ﺑﺸﺮﻛﺔ » ﻓﻴﺰا” ‪ ،‬ﻃﺮﻳﻘ ًﺎ ﻣﺨﺘﺼﺮة ﻟﻠﻮﺻﻮل إﻟﻰ ﻣﻌﺮﻓﺔ آﺧﺮ‬ ‫اﻟﺘﻄﻮرات ﻋﻠﻰ ﻫﺬا اﻟﻤﺴﺘﻮى‪.‬‬ ‫ﻫﻨﺎ ﻧﺺ اﻟﺤﻮار‪..‬‬

‫اﻟﻤﻌﺮﻓﺔ أﻫﻢ أداة ﻣﺎﻟﻴﺔ‬ ‫و«ﻓﻴﺰا« ﺗﻨﺸﺮ ﺑﺮﻧﺎﻣﺞ‬ ‫اﻟﺘﺜﻘﻴﻒ اﻟﻤﺎﻟﻲ‬

‫‪2014‬‬

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‫‪2030‬‬

‫اﻧﺘﺸﺎرﻧﺎ اﻟﻌﺎﻟﻤﻲ ارﺗﺪاد‬ ‫ﻃﺒﻴﻌﻲ ﻟﺼﺪى ا‪n‬ﻧﺠﺎزات‬

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‫ﺣﻮار‬ ‫ﺣﻮار‬

‫‪VbV‬‬

‫ﻗﻮة ﻫﻮﻳﺘﻨﺎ وﻋﻼﻣﺘﻨﺎ‬ ‫اﻟﺘﺠﺎرﻳﺔ ﻣﻜﻤﻦ ﺗﻤﻴﺰﻧﺎ‬ ‫‪http://www.‬‬ ‫‪practicalmoneyskills.com‬‬

‫ﺗﺮﺟﻤﺔ اﻟﻤﻌﺎﻣﻼت‬ ‫اﻟﺘﺠﺎرﻳﺔ إﻟﻰ ﻟﻐﺔ‬ ‫اﻟﺸﻔﺎﻓﻴﺔ وا‪t‬ﻣﺎن ﻣﺤﻮر‬ ‫اﻫﺘﻤﺎﻣﻨﺎ‬

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2006 69 569

100

700 1400

Business Class Magazine issue No. 90

‫اﻟﻐﻼف‬ ‫ﺳﻴﺎﺣﺔ‬ ‫اﻟﻐﻼف‬ ‫ﺳﻴﺎﺣﺔ‬

‫أرﺑﻊ ﺳﺎﻋﺎت ﻓﻘﻂ ﺗﻔﺼﻠﻜﻢ ﻋﻦ أﺟﻮاء »إﻳﺪن آﻳﻼﻧﺪ« اﻟﺴﺎﺣﺮة‬ ‫‪12‬‬

‫‪56‬‬

‫‪40‬‬

‫‪500‬‬ ‫‪40‬‬ ‫‪%‬‬

‫‪24.5 2014‬‬ ‫‪200‬‬

‫‪38‬‬

‫‪Business Class Magazine issue No. 90‬‬

‫‪%‬‬

‫‪2015‬‬

Business Class Magazine issue No. 90

‫ﺳﻴﺎﺣﺔ‬ ‫ﺳﻴﺎﺣﺔ‬

‫ﺗﻨﻈﻤﻪ ﺟﻤﻌﻴﺔ اﻟﻄﻬﺎة اﻟﻤﺤﺘﺮﻓﻴﻦ ﻓﻲ ﻗﻄﺮ‬

‫‪ 37‬ﺷﺮﻛﺔ ﺗﺸﺎرك ﻓﻲ ﻣﻌﺮض اﻟﻀﻴﺎﻓﺔ‬ ‫اﻟﺪوﺣﺔ ـ ﺑﺰﻧﺲ ﻛﻼس‬ ‫‪2016‬‬

‫‪37‬‬

‫‪29‬‬

‫‪700‬‬

‫‪900‬‬

‫‪40‬‬

‫‪Business Class Magazine issue No. 90‬‬

‫ﺧﺘﺎم ﻓﻌﺎﻟﻴﺎت »ﻳﻮم اﻟﻤﺮح اﻟﻌﺎﺋﻠﻲ« ﻓﻲ اﻟﻠﺆﻟﺆة‪ -‬ﻗﻄﺮ‬ ‫اﻟﺪوﺣﺔ‪ -‬ﺑﺰﻧﺲ ﻛﻼس‬

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‫‪Business Class Magazine issue No. 90‬‬

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‫ﺳﻴﺎﺣﺔ‬ ‫ﺳﻴﺎﺣﺔ‬

‫اﻟﻬﻴﺌﺔ اﻟﻌﺎﻣﺔ ﻟﻠﺴﻴﺎﺣﺔ ﺗﻌﻘﺪ ﻗﻤﺔ اﻟﺘﺴﻮﻳﻖ اﻟﺴﻴﺎﺣﻲ ﻟﻌﺎم ‪2016‬‬

‫ﻣﻜﺎﺗﺐ ﻫﻴﺌﺔ اﻟﺴﻴﺎﺣﺔ ﻣﺮاﻛﺰ إﻋﻼﻣﻴﺔ ﻣﺘﺨﺼﺼﺔ‬ ‫واﻟﺴﻴﺎﺣﺔ ﺻﻨﻌﺔ‬ ‫اﻟﺪوﺣﺔ‪ -‬ﺑﺰﻧﺲ ﻛﻼس‬ ‫‪36‬‬

‫‪2016‬‬ ‫‪35‬‬

‫‪2016‬‬ ‫‪192‬‬

‫‪2016‬‬ ‫‪25‬‬

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‫‪28‬‬

‫‪% 45‬‬

‫اﻟﻤﻬﺮﺟﺎﻧﺎت ﺗﺴﺘﺤﻮذ‬ ‫ﻋﻠﻰ اﻫﺘﻤﺎم ﺳﻴﺎح دول‬ ‫اﻟﺘﻌﺎون وأﺳﻌﺎر اﻟﻤﺮاﻓﻖ‬ ‫ا‪t‬ﻓﻀﻞ ﺑﺎﻟﻤﻨﻄﻘﺔ‬

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‫ﺳﻴﺎﺣﺔ‬ ‫ﺳﻴﺎﺣﺔ‬

‫ﺑﺰﻧﺲ ﻛﻼس ‪ -‬أﻧﺲ ﺳﻠﻴﻤﺎن‬ ‫أﻛﺪ ﻋﺪد ﻣﻦ ﻣﺪﻳﺮي ﺷﺮﻛﺎت‬ ‫اﻟﺴﻴﺎﺣﺔ واﻟﺴﻔﺮ‪ ،‬أن اﻟﺴﻴﺎﺣﺔ‬ ‫اﻟﺨﻠﻴﺠﻴﺔ اﻟﻮاﻓﺪة إﻟﻰ دوﻟﺔ‬ ‫ﻗﻄﺮ ﺷﻬﺪت ﻧﻤﻮاً ﺑﻤﻌﺪل‬ ‫‪ % 25‬ﺧﻼل اﻟﺮﺑﻊ ا‪f‬ول ﻣﻦ‬ ‫اﻟﻌﺎم اﻟﺠﺎري‪ ،‬وﺗﻮﻗﻌﻮا‬ ‫زﻳﺎدة ﻣﻌﺪﻻت ﻧﻤﻮ اﻟﺴﻴﺎﺣﺔ‬ ‫اﻟﻮاﻓﺪة ﺑﺪﻋﻢ ﻣﻦ ﺗﻜﺜﻴﻒ‬ ‫ﺟﻬﻮد ﻫﻴﺌﺔ اﻟﺴﻴﺎﺣﺔ‬ ‫ﻟﺘﻨﻈﻴﻢ ﻣﻬﺮﺟﺎﻧﺎت وﻓﻌﺎﻟﻴﺎت‬ ‫ﺗﺮﻓﻴﻬﻴﺔ‪.‬‬

‫اﻟﺘﺮاﺑﻂ اﻟﺠﻐﺮاﻓﻲ وﺛﻴﻘﺔ ﺳﻔﺮ داﺋﻤﺔ واﻟﻨﺎﻗﻠﺔ اﻟﻮﻃﻨﻴﺔ ﻗﻨﺎة اﻟﺮﺑﻂ‬

‫‪ % 25‬ﻧﻤﻮ اﻟﺴﻴﺎﺣﺔ اﻟﺨﻠﻴﺠﻴﺔ‬ ‫إﻟﻰ ﻗﻄﺮ ﺧﻼل اﻟﺮﺑﻊ ا‪t‬ول ﻣﻦ ﻋﺎم ‪2016‬‬

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Business Class Magazine issue No. 90

‫ﺳﻴﺎﺣﺔ‬ ‫ﺳﻴﺎﺣﺔ‬

Business Class Magazine issue No. 90

‫أﻋﺪاد ﻛﺒﻴﺮة ﻣﻦ اﻟﺴﻴﺎح‬ ‫اﻟﺨﻠﻴﺠﻴﻴﻦ ﻓﻲ ﺳﺠﻼت‬ ‫اﻟﺤﻀﻮر واﻟﻘﺎﺋﻤﺔ ﺗﻄﻮل‬

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‫ﺳﻴﺎﺣﺔ‬ ‫ﺳﻴﺎﺣﺔ‬

‫اﻟﻔﺼﻮل ﻓﻲ ﻣﻮاﻋﻴﺪﻫﺎ وﻟﻠﺒﻬﺠﺔ ﻣﻮﻋﺪ ﺧﺎص‬

‫اﺣﺘﻔﺎﻻت اﻟﺮﺑﻴﻊ ﺑﺴﻮق واﻗﻒ‬ ‫ﺗﻌﻴﺪ اﻻﻋﺘﺒﺎر ﻟﻠﻤﻜﺎن وﺗﻨﻌﺶ اﻟﺴﻴﺎﺣﺔ‬

‫اﻟﺪوﺣﺔ ‪ -‬أﻧﺲ ﺳﻠﻴﻤﺎن‬ ‫ّ‬ ‫ﺑﻤﻨﺎﺳﺒﺔ إﺟﺎزة‬ ‫ﺗﻨﻈﻢ ﻟﺠﻨﺔ اﻻﺣﺘﻔﺎﻻت ﺑﺎﻟﻤﻜﺘﺐ اﻟﻬﻨﺪﺳﻲ اﻟﺨﺎص ﺑﺴﻮق واﻗﻒ اﺣﺘﻔﺎﻻت ﻣﺘﻤﻴﺰة ُ‬ ‫ُﻣﻨﺘﺼﻒ اﻟﻔﺼﻞ اﻟﺪراﺳﻲ اﻟﺜﺎﻧﻲ‪ ،‬واﻟﺘﻲ ﺗﺴﺘﻤﺮّ ﺣﺘﻰ ّ‬ ‫اﻟﺜﺎﻣﻦ ﻋﺸﺮ ﻣﻦ أﺑﺮﻳﻞ اﻟﺠﺎري‪.‬‬ ‫وﺗﺸﻬﺪ اﻟﻔﻌﺎﻟﻴﺎت اﻟﺘﻲ ﺗﻘﺎم ﻓﻲ ﺳﺎﺣﺔ ا‪f‬ﺣﻤﺪ إﻗﺒﺎ ًﻻ ﻛﺒﻴﺮاً وﺗﻔﺎﻋ ً‬ ‫واﻟﻤﻘﻴﻤﻴﻦ‬ ‫اﻟﻤﻮاﻃﻨﻴﻦ‬ ‫ُ‬ ‫ﻼ ﻣﻦ ُ‬ ‫اﻟﺴﻮق ﻟﻼﺳﺘﻤﺘﺎع ﺑﺎﻟﻔﻌﺎﻟﻴﺎت ﻣﻨﺬ اﻟﻠﺤﻈﺔ ا‪f‬وﻟﻰ ﻻﻧﻄﻼﻗﺘﻬﺎ‪.‬‬ ‫اﻟﺬﻳﻦ ﺗﻮاﻓﺪوا ﻋﻠﻰ ّ‬

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‫ﻓﻌﺎﻟﻴﺎت ﺣﺘﻰ ‪18‬‬

‫أﺑﺮﻳﻞ اﻟﺠﺎري وﻣﻄﺎﻟﺐ‬ ‫ﺑﺘﻤﺪﻳﺪﻫﺎ‬

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‫اﻟﺴﻴﺎح ﻳﻨﻌﻤﻮن ﺑﺘﺠﺮﺑﺔ‬ ‫ﻣﺴﺘﻠﻬﻤﺔ ﻣﻦ ا‪t‬ﺻﺎﻟﺔ‬ ‫اﻟﻌﺮﺑﻴﺔ‬

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‫ﺳﻴﺎﺣﺔ‬ ‫ﺳﻴﺎﺣﺔ‬

‫اﻋﺘﺪال اﻟﻄﻘﺲ ﻳﺰﻳﺪ‬ ‫ﻣﺘﻌﺔ ا‪t‬ﻃﻔﺎل ﺑﺎﻟﻠﻌﺐ‬ ‫ﻓﻲ أﺟﻮاء ﻣﻔﺘﻮﺣﺔ‬

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‫ﺗﻄﺒﻴﻖ ﺟﺪﻳﺪ ﻳﺴﺎﻋﺪك ﻋﻠﻰ ﻗﻴﺎدة اﻟﺴﻴﺎرة‬

‫‪t‬ول ﻣﺮة‪ ..‬ﻋﻠﻤﺎء ﻳﺒﺘﻜﺮون روﺑﻮت ﻳﻤﻜﻨﻪ ا‪n‬ﻧﺠﺎب‬

‫‪RAY KURZWEIL‬‬

‫‪Engdget‬‬

‫‪2030‬‬ ‫‪10‬‬

‫‪2030‬‬

‫‪10‬‬ ‫‪2040‬‬

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‫ﺗﻜﻨﻮﻟﻮﺟﻴﺎ‬ ‫ﺗﻜﻨﻮﻟﻮﺟﻴﺎ‬

‫ﺳﺎﻣﺴﻮﻧﺞ ﺗﺼﻨﻊ ﺗﺎرﻳﺨﺎ ﺟﺪﻳﺪا ﻓﻲ ﻋﺎﻟﻢ اﻟﻬﻮاﺗﻒ اﻟﺬﻛﻴﺔ ﺑﻬﺎﺗﻒ ﻻ ﻣﺜﻴﻞ ﻟﻪ‬ 5 Foldable Smartphone

2017 2016 2017 7

»Foldable Smartphone«

OLED

OLED Foldable Smartphone

.LED LCD

Business Class Magazine issue No. 90

TalkBand B3 ‫ﻟﻜﺘﺮوﻧﻲ اﻟﺠﺪﻳﺪ‬n‫ﻫﻮاوي ﺗﻌﻠﻦ ﻋﻦ اﻟﺴﻮار ا‬ .TalkBand B3

TalkBand B3

.% 80 TalkBand Elite

285

227 249

190 199

169

Classic

!«GOOGLE DRIVE» ‫اﻟﺒﺤﺚ ﻋﻦ اﻟﺼﻮر ﻣﺘﺎﺣﺎ ا ن ﻋﻠﻰ‬

80×180

PMOLED

Google Photos 3D baseball

.IP57

Google Drive

TalkBand B3 Classic

Elite Active Google Drive Active

‫ ﺗﺮاﺟﻊ ﻋﻦ رﺳﺎﺋﻠﻚ ﺣﺘﻰ ﺑﻌﺪ إرﺳﺎﻟﻬﺎ‬..‫ﺟﺪﻳﺪ ﺑﻼك ﺑﻴﺮي‬ BBM

10 BBM Retraction

Business Class Magazine issue No. 90

‫ﺗﻜﻨﻮﻟﻮﺟﻴﺎ‬ ‫ﺗﻜﻨﻮﻟﻮﺟﻴﺎ‬

‫واﺗﺴﺎب ﺗﺸﻔﺮ ﺟﻤﻴﻊ رﺳﺎﺋﻞ اﻟﻤﺤﺎدﺛﺎت اﻟﻔﻮرﻳﺔ‬

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‫ﺳﻮار ذﻛﻲ ﻣﻦ ‪ ADIDAS‬ﻳﺴﺎﻋﺪ اﻟﻄﻼب!‬

‫‪Adidas ZONE‬‬

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‫‪Business Class Magazine issue No. 90‬‬

‫»ﺑﻴﺘﻞ آر« اﻟﺠﺪﻳﺪة‬

‫ﺗﻨﻘﻞ ﺛﻘﺎﻓﺔ اﻟﺴﺒﺎﻗﺎت إﻟﻰ اﻟﻄﺮﻗﺎت‬

‫‪LED‬‬ ‫‪USB‬‬

‫‪Business Class Magazine issue No. 90‬‬

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‫ﺳﻴﺎرات‬ ‫ﺳﻴﺎرات‬

Business Class Magazine issue No. 90

2017

V12

620

563

V12

5.9

2017

Sportshift III

330

3.9 AMi III

Business Class Magazine issue No. 90

100

2017

V12

‫ﺳﻴﺎرات‬ ‫ﺳﻴﺎرات‬

‫اﺳﺘﻮن ﻣﺎرﺗﻦ ﻓﺎﻧﺘﺎج ‪2017‬‬ ‫ﺗﻌﻠﻦ ﻋﻦ ﺗﻌﺪﻳﻼﺗﻬﺎ اﻟﺠﺪﻳﺪة‬

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‫‪Business Class Magazine issue No. 90‬‬

Business Class Magazine issue No. 90

‫ﺳﻴﺎرات‬ ‫ﺳﻴﺎرات‬

‫ﺑﻨﺘﻠﻲ ﺗﻄﻠﻖ ﻧﺴﺨﺘﻲ ﻛﻮﻧﺘﻴﻨﻴﻨﺘﺎل اﻟﻤﺤﺪﺛﺘﻴﻦ ‪GT‬‬ ‫ﺳﺒﻴﺪ و ‪ GT‬ﺳﺒﻴﺪ ﺑﻼك إﻳﺪﻳﺸﻦ ‪2017‬‬ ‫‪,‬‬ ‫‪GT‬‬ ‫‪GT‬‬

‫‪6‬‬ ‫‪633‬‬

‫‪12‬‬

‫‪,‬‬

‫‪626‬‬

‫‪14‬‬ ‫‪96‬‬

‫‪840‬‬ ‫‪3.9‬‬ ‫‪GT‬‬ ‫‪GT‬‬

‫‪GT‬‬

‫‪21‬‬

‫‪60‬‬

‫‪Business Class Magazine issue No. 90‬‬

‫‪GT‬‬

LED

.LED

LED LED

3.5

–

294 4000

6 475

XLT

346

SelectShift®

6500

–

370 3500 SelectShift®

‫ﻟﻜﺰس ﺗﺘﺤﻜﻢ ﺑﻤﻼﺑﺲ ﺳﺎﺋﻖ ﺳﻴﺎراﺗﻬﺎ‬ ‫اﻟﻤﺰودة ﺑﻤﻘﻌﺪﻫﺎ اﻟﻤﺘﻄﻮر‬ V-LCRO

V-LCRO

5.0

528

467

4.4

274

RC F

Business Class Magazine issue No. 90

GS F

‫ﺳﻴﺎرات‬ ‫ﺳﻴﺎرات‬

‫ﻓﻮرد إﻛﺴﺒﻠﻮرر ﺗﻔﻮزﺑﻠﻘﺐ ﺳﻴﺎرة اﻟﻌﺎم‬ ‫‪2016‬‬ ‫‪MECOTY‬‬

‫‪12‬‬

‫–‬ ‫–‬

‫‪2015‬‬

‫‪LED‬‬

‫‪40‬‬ ‫‪.2016‬‬

‫–‬

‫‪25‬‬ ‫‪2016‬‬

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‫‪Business Class Magazine issue No. 90‬‬

‫‪2016‬‬

‫ﺳﻴﺎرات‬ ‫ﺳﻴﺎرات‬

‫ ﺑﺴﺒﺐ ﺳﻌﺮﻫﺎ‬..‫ ﺑﻘﻴﺖ وﺣﻴﺪة‬Citroen GT 5.4

2495

793

2009 .Citroen GT

2010

100

2008 Business Class Magazine issue No. 90

Business Class Magazine issue No. 88