Emirates Review Issue 15 by Finance House

JANUARY 2017 | ISSUE 15

Construction Concepts in the UAE NATIONAL GULF CONSTRUCTION TAKES BUILDING TO NEW HEIGHTS

12 GIVING THE BEST GIFT How National Charity Schools educate generations of UAE kids 19 IT An application that lets you be your own fund manager

24 REAL ESTATE The inside scoop on the UAEâ&#x20AC;&#x2122;s hotel trade 32 WINTER WONDERLANDS How to spend your free time in cooler weather

JANUARY 2017 | ISSUE 15

CONTENTS

15 Corporate Finance

Finance House offers solutions for cash strapped businesses

Construction Concepts in the UAE NATIONAL GULF CONSTRUCTION

16 Investments

Global markets affected by macro-economic events

TAKES BUILDING TO NEW HEIGHTS

19 IT

Finance House app makes you your own fund manager

20 Islamic Finance

The impact of the new Shari’ah Authority

22 Insurance

Lower oil prices take a toll on the industry 12 GIVING THE BEST GIFT How National Charity Schools educate generations of UAE kids 19 IT An application that lets you be your own fund manager

24 REAL ESTATE trade The inside scoop on the UAE’s hotel 32 WINTER WONDERLANDS cooler weather How to spend your free time in

24 Real Estate

The inside scoop on the UAE’s hotel trade

26 Law

New law covers loans to board members and other issues

28 Health & Fitness

5 Welcome to Emirates Review!

Are food allergies causing you belly bloat?

6 Business Outlook

Finance House Securities wins award for Mobile Trading Application; Insurance House organizes blood donation campaign in Abu Dhabi; UAE leads Arab countries in 2016 Global Innovation Index; Finance House supports local community through initiatives; Finance House launches website redesign; Finance House launched “Connecting Families” initiative; Young adults with special needs receive gift from Finance House.

8 In Focus

National Gulf Construction constructs the future of the UAE

12 Emirates Pride

29 Luxury & Travel

Seawings offer exciting corporate outings

30 Arts & Culture

This season’s must not miss events

32 Lifestyle

The season’s best outdoor activities

35 The Lighter Side Outrageous news stories to finish with a smile

36 Events Calendar

What’s on January to July

National Charity Schools offers the gift of education to UAE youngsters

www.emiratesreview.ae CPI Financial P.O. Box 502491 Dubai Media City, U.A.E. Tel: +971 4 392 4681 Fax: +971 4 390 9576 www.cpifinancial.net Printed by Emirates Printing Press, UAE

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For CPI Financial Chief Executive Officer Robin Amlôt robin@cpifinancial.net Tel: +971 4 391 3723 Contract Publishing Editor Sarah Spendiff sarah.spendiff @cpifinancial.net Tel: +971 4 391 3729

Head of Contract Publishing & Business Development Vinod Thangoor vinod@cpifinancial.net Tel: +971 4 391 3725 Creative Designer Ana Maksic ana@cpifinancial.net Tel: +971 4 3913723 Produced on behalf of Finance House

This Magazine is published for information purposes only and shall not be construed to be valid, correct and/or accurate at any point of time. The publishers regret they cannot accept liability for error or omissions contained in this Magazine, however caused. Opinions and views contained in this Magazine are not necessarily those of the publishers. Ownership of trademarks is acknowledged. No part of this Magazine may be reproduced, stored in a retrieval system or transmitted in any form without the prior written permission of the publishers. © 2016

ISSUE 15 | EMIRATES REVIEW

Enjoy the choice of 11 uber-chic dining and nightlife venues at Yas Viceroy Abu Dhabi hotel. Showcasing cuisine from all corners of the globe including home-made Italian pasta, Japanese specialities, regional Indian and Arabic delights. 20% DINING DISCOUNT TO FINANCE HOUSE CARD HOLDERS For dining reservations please call +971 2 656 0600 or email dining@viceroyhotelsandresorts.com

viceroyhotelsandresorts.com/abudhabi Yas Viceroy Abu Dhabi, P.O Box 131808 Yas Island, Abu Dhabi, UAE

EDITORIAL

Welcome to Emirates Review! W

elcome to this edition of Emirates Review containing pages of the best in arts, culture, business and finance news. Last year saw many significant changes in the world, meanwhile the wheels of commerce and industry still turn here in the UAE. 2016 saw many milestones in the construction of the stunning UAE skyline, but there are those who are toiling away on less high profile but nonetheless important infrastructure projects. One such company is National Gulf Construction (NGC) who have been instrumental in the smooth running of the Emirates for over 40 years starting out with a few trucks they now take care of some of the largest municipal projects in the country. We were lucky enough to speak to NGC CEO, Mr. Nasser Ali Yaslam Hassan about the big issues of the construction industry today on page 8. Ensuring a good education is a priority for all parents, however for some expats cost and other issues proved to be a challenge and this fact was the inspiration behind one of the Emirates’ most esteemed businessmen, HE Juma Al Majid opening a charity school. That was over 30 years ago and today he is responsible for providing an affordable education to over 11,000 kids. Read more about this on page 12. Starting a business comes with many challenges but ensuring you have a cash flow need not be one of them if you read our article on page 15. One of the world’s most notable events over the summer was the shock decision by the UK to leave European Union, this

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coupled with other economic factors, affect UAE investments and this is looked at more closely on page 16. And if you are lucky enough to have a large investment portfolio you may be excited to hear about Finance House Securities’ latest mobile app which lets you be your own stock broker. Find out more on page 19. Islamic finance is one of the fastest growing financial sectors and with the launch of Dubai: Capital of Islamic Economy initiative in 2013 by His Highness Sheikh Mohammed bin Rashid Al Maktoum, the UAE is taking a leading role in its development through the establishment of the Higher Shari’ah Authority which is explained more fully on page 20. Oil prices are still a key issue and the impact of the price reduction on the insurance industry is looked at on page 22. However, the UAE has always sought to mitigate the impact of lower oil prices through diversification, and tourism is one such industry. Colliers International recently released their MENA Hotel Forecast with some interesting statistics, find out more on page 24. This time of year is especially pleasent so throw on some casual cloths and head on out to the desert or beach and enjoy the clement weather in a multiple of ways. Our feature on page 32 has a few good ideas for you. And for the more cultured there is a raft of art exhibitions over the winter season which are well worth exploring. In short, herewith a veritable hive of useful information for you to peruse. Enjoy! ISSUE 15 | EMIRATES REVIEW

BUSINESS OUTLOOK Finance House Securities wins award for Mobile Trading Application

Insurance House organises blood donation campaign in Abu Dhabi

Finance House Securities (FHS), the brokerage arm of

Insurance House P.S.C (IH) organised a Blood Donation Day at its head office in Abu Dhabi. The campaign took place in collaboration with Abu Dhabi Blood Bank under the supervision of Sheikh Khalifa Medical City which provided the bank units. Commenting on the event, Wissam Farran, Group Corporate Communications Manager at Insurance House said, “The campaign reflects IH’s continuous commitment towards its community and the humanitarian causes that are aimed at supporting society. Being a socially responsible institution, IH continuously encourages its staff and clients to participate in such endeavours.” The blood donation drive is in response to the increasing need for blood donations as a result of medical emergencies and blood disorders such as blood cancer, thalassemia, sickle cell, and anaemia.Since its inception, Insurance House has classified its social initiatives as a significant part of its core operations. This strategy derives from the company’s vision of playing a dynamic role in the society in which it operates and ensuring a healthier life for its members.

Finance House P.J.S.C. (FH) has received the “Award of Appreciation” for its Mobile Trading Application from the Dubai Financial Market (DFM) at the GITEX Awards 2016. The free application enables clients to access both the Abu Dhabi Securities Exchange (ADX) and the Dubai Financial Market (DFM), in order to trade, track price updates, monitor investor portfolios as well as buy and sell stock. It is one of the first to be developed in the UAE market and can be downloaded via the Apple App Store or Google Play. Ayman Al Khatib, General Manager of Finance House Securities, said, “It is an honour to be the recipient

the

“Award of Appreciation

for

Mobile

Trading Application Provider 2016” in the UAE.

We always

strive to provide the most innovative and convenient solutions to our investors. The award is a testament of the added value the free FHS mobile trading application, brings to the UAE market. The application improves the trading experience of our clients, through equipping them with a trusted and secure mobile application, which facilitates trading at anytime and anyplace.” Earlier last year, Finance House Securities won the Best Domestic Equities Trading Service award at the Banker Middle East Product Awards 2015 for the second consecutive year.“This is yet another milestone that we are proud to attain. Nonetheless, this achievement incentivizes us to move forward with our aspirations and continue the expansion of our achievement records, always driven by the passion to provide a high quality customer experience,” concluded Al Khatib.

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Finance House supports local community through initiatives As part of its commitment to support the UAE community Finance House sponsored the Marina Mall Ramadan Football Tournament 2016 which took place over Ramadan. Finance House was delighted to have a won the title after its own team scored a stunning 2-0 victory in the tournament’s final match. Following through on its community support, particularly over Ramadan, Finance House joined the “Fridge Sharing Initiative” during the Holy Month. A fridge was stocked and placed inside a Mosque, behind Finance House’s head office in Khalidiya, Abu Dhabi, where anyone could help themselves to food or join the effort and place food inside for others. In order to keep the spirit of support, care and humanity going Finance House chose to leave the fridge in place for the remainder of the year.

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BUSINESS OUTLOOK Finance House Supports the UAE Government Accelerators

Finance House launches website redesign Finance House PJSC (FH) has announced the launch of a new, redesigned version of its website. The revamped website features an eye-catching layout to offer an engaging user experience and enhanced navigation for accessing detailed information about Finance House. Commenting on the launch of FH’s enhanced website, Mohammed Abdulla Alqubaisi, Chairman of Finance House said, “We live in an era of rapid scientific and technological advancement. Therefore, to remain relevant, it is important to constantly re-invent ourselves and our tools if we are to maintain our position as a leading financial institution in the UAE. The new website reflects FH’s commitment towards its continuous improvement”. Features of the new look website include an image and video gallery, an interactive blog, social career centre and a media centre where visitors can find out all about the latest news regarding Finance House. The website will have a simplified design, enhanced content, improved search functionality, and optimization for mobile which allows customers to better interact with Finance House online. There will also be promotions to highlight the newest deals, offers and discounts.

In line with the UAE Government Accelerators initiative which has been launched by His Highness Sheikh Mohammed bin Rashid Al Maktoum, Vice President, Prime Minister and Ruler of Dubai, FH has announced the opening of new job opportunities for the UAE nationals. Lina Elaraj, Group Head – Human Capital & General Services at Finance House said: “Finance House is committed to support the UAE’s Emiratisation policy, by attracting the best local talents in the market and showcase various training and career opportunities available within the financial sector”. In line with that, FH participates at the Career Festival Day 2016 taking place at the Emirates Institute for Banking and Financial Studies (EIBFS), Dubai on December 18th & 19th, organized by the Ministry of Human Resources & Emiratisation. “Being a local financial institution that contributes to the betterment & development of the UAE, we are committed to hiring passionate Emirati professionals and fresh graduates who are looking for exciting careers and well-planned training programs,” concluded Elaraj.

Finance House launched “Connecting Families” initiative Being a local financial institution that contributes to the betterment of the UAE community, Finance House has launched its “Connecting Families” initiative with Finance House representatives roaming the streets of the UAE offering free worldwide phone calls to bridge communication barriers between families. Through this initiative, Finance House aimed to bring joy to citizens and residents of the UAE. Families are peoples’ source of joy, their words of encouragement offer enormous motivation, their happiness is central to our efforts, and their wellbeing is what pushes us all to keep going. Therefore, Finance House remembers that geographical locations may separate individuals but no amount of distance can diminish family communications. www.EmiratesReview.ae

EMIRATES REVIEW | ISSUE 15

IN FOCUS

Set in Stone

National Gulf Construction has long been part of the building industry in the UAE laying the foundations of the infrastructure that keeps the Emirates going

or most of us, when we lay our heads down to sleep it is not with the weight of a multi-million AED budget, dozens of construction projects and over 1000 employees on our minds. But for Mr. Nasser Ali Yaslam Hassan (MBA), CEO of National Gulf Investment LLC these pressures come with the job. But heading a multi-billion AED organisation has its challenges and its compensations, he tells Emirates Review. National Gulf Construction provides efficient construction services in the UAE and beyond with a mission to offer the highest quality construction services in the region in compliance with national and international standards. However, it started out with much more modest beginnings as a single truck in 1979 and was called Murshid Al Shihhi Transport LLC. This is the founding company of what became a group under the umbrella of National

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Gulf Investment. It now operates throughout the region with a fleet of over 100 trucks and state of the art equipment. Under shrewd leadership the company quickly established itself through providing innovative, reliable and cost-effective transportation and built a solid reputation among its customer base of being customer centric and of offering top quality service. It now has one of the largest, most modern fleets and a network of strategically located service centres in Dubai and Sharjah. Mr. Ali is proud to say it is well-known as one of the strongest truckload providers in the country. He says, â&#x20AC;&#x153;NGC has had many successes. Currently, it employs about 1500 engineers, expert technicians and skilled labourers. This number is likely to surpass 2000 at some point this year. We have specialised in housing project developments, commercial, industrial

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IN FOCUS

“NGC exhibits very remarkable improvements in health and safety with no fatalities, and a current Annual Injury Rate (IR) per 100 employees of zero.”

and infrastructure constructions, so NGC‘s expertise spans a wide range of services from pre-construction to complete turnkey projects.”

Essential multi-AED projects

Many of these construction projects, while possibly not being the glamorous end of the construction industry such as the gleaming towers of DIFC, or the impossibly chic Dubai Marina, they are nonetheless essential to the smooth running of the Emirate. Projects such as the AED 340 million Sheikh Zayed Housing Project at Ras Al Khaimah; the construction of warehouses at Jebel Ali Free Zone (approximately AED 82 million) and the AED 458 million Al Mafraq-Al Ghwaifat Border Post Highway in Abu Dhabi. “Our revered client list includes the UAE Government, federal bodies, municipalities, large organisations, developers as well as individual project owners. NGC is

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a member of the NGI Group that also comprises sixteen subsidiaries, namely in the fields of aggregate supply and rock-crushing; manufacturing of concrete blocks, tiles and ready-mixed concrete; asphalt production; heavy transport; leasing of electric power generators and heavy plant, among other activities,” explains Mr. Ali. “NGC shows good performance thanks to its outstanding expertise and high client satisfaction. The company has been awarded the “Triple ISO Certification: ISO 9001, ISO 14001 and OHSAS 18001, a testament to our high standards. Furthermore NGC exhibits very remarkable improvements in health & safety with no fatalities, and a current Annual Injury Rate (IR) per 100 employees of zero. On top of this our care for the environment is exhibited in all our declared and implemented company policies and procedures,” adds Mr. Ali. These kinds of high operating standards are implicit across the board at NGC, explains Mr. Ali who adds that they strictly comply with the laws, rules and directives of the UAE. “We care for our employees and have good healthcare and insurance services for them, together with implementing high standard of health and safety. Our qualified, experienced staff perform their functions and execute their tasks in a way that give us a competitive advantage, which makes NGC stand out from the rest.”

Digitally innovative

Recently the company has undergone a digital transformation with high technology being employed across the company through introducing SAP ERP System to manage business operations, finances and customer relations, and for the prediction of future opportunities and risks, as well as solving complex problems using analytics and modelling. This has been a useful and efficient IT upgrade, says

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IN FOCUS the great support of our country’s leadership and the opportunities we have had through the UAE authorities keep us at the forefront of the industry, and boosts our endeavours to do our best in serving our country, and to enhance our corporate social responsibility.”

Bright future

Mr. Nasser Ali Yaslam Hassan

Mr. Ali, which helps the company continue to expand and be competitive. “It’s easy to be another construction company that leads a number of projects in the UAE. However, the real challenge is to create an environment of opportunities for our partners, our team and our stakeholders. Thinking two or three steps ahead of the curve is the only way to be able to compete in a market as challenging as the market here in this region,” he said. The future is extremely promising for NGC adds Mr. Ali, “We’re happy to have accomplished a number of successful projects in the region, the thing that is giving us an insight of what is to come for the whole country. However, it may be reasonable to say that our investments will definitely go beyond the expected. As a national entity,

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As main contractor, NGC aims to expand its activities, both horizontally and vertically moving forward. For example the Logistics Division specialises in the integration of all functions across the supply chain, from the sourcing of raw materials to product warehousing and to the distribution of finished goods. Some of the company’s core services include demand management, freight management, storage, packaging, distribution, warranty management and customs clearance. With top class facilities strategically located with easy access to principal road networks, the Logistics Division can ensure the fast and efficient delivery of goods across the region and is well placed to grow and expand in the coming years. Describing the Construction Division Mr. Ali said, “Integrity, quality and innovation are the characteristics that distinguish National Gulf Construction as a leading construction management and general contracting company. Having specialised in commercial, industrial and tenant improvement construction, our expertise spans a wide range of services from pre-construction to complete turnkey projects. With a goal to provide exceptional service, better than that found with any other company in the industry, and a mission to pay attention to the finer details, the company aims to deliver cost-effective service on a long term basis.” He says this is done through ensuring every project is assigned a team of experts from the design and preconstruction phases through to post-construction. The company also follows a clearly outlined subcontractor model with qualified contractors who share the company’s vision and help in creating quality projects that are cost effective with low overheads. Other projects the company is involved with include the AED 123 million infrastructure at Mohammed Bin Zayed City, Abu Dhabi, the 60 million improvements to the 5th Industrial Intersection, Sharjah and an AED 38 million project at Al Ain Airport. So it’s clear to see that although these projects may not be the high profile hotel developments or infamous shopping malls, they are nevertheless essential for the development and progressively smooth running of the Emirate.

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EMIRATES PRIDE

The Best Donation is Education

National Charity School first opened in 1983 offering free education to expat kids whose families couldn’t afford school fees

His Highness Sheikh Mohammed bin Rashid Al Maktoum visits the school

“Education is the best donation,” says HE Juma al Majid, a well-known local businessman whose interests span real estate, hospitality, trade and more. Having established the Juma Almajid Heritage and Cultural Centre that now houses over half a million books, many on the history of the UAE, Al Majid felt strongly about ensuring education was accessible to all children in the UAE. He says, “In the 1950s, with my colleagues Mr. Humaid Al Tayer, Abdullah Al Ghurair and Nasir Rashid Loutah, and with the consent of HH Sheikh Rashed Bin Saeed Al Maktoum, we established one of the first

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charitable societies and through this we opened two secondary schools. One for boys in Bur Dubai, called Jamal Abdul Nasser Secondary School, and the second for girls in Deira, called Amna Secondary School.” In 1983, when the Ministry of Education issued a resolution which only allowed the children of expatriate public sector workers to attend state schools, Al Majid set about establishing the National Charity School in Dubai. At the time he was the Head of the Father’s Council at the Dubai Educational Zone and managed to garner the support of the Ministry of Education which continues to offer technical and administrative help.

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EMIRATES PRIDE

The pristine facade of The National Charity School

Grade I students enjoy their first week at school

Now, thanks to the efforts of HE Juma al Majid approximately 11,000 children are receiving an affordable education, some for free, and those who can afford to, give a small donation. Children start in Grade 1 at six-years-old and there are segregated halls for boys and girls. All lessons are in Arabic and children from all over the world attend the school. The first National Charity School opened in the Deira area of Dubai in 1983 with 161 students but soon outgrew its residence and therefore a much larger school was established in Al Garhoud in 1986. Since then other schools followed in Sharjah and Ajman. As a local, Juma Al Majid understood the difficulties some women faced in reaching Al Ain University or traveling abroad for an education and so he established the Islamic and Arabic Studies College in 1987 in Dubai. The college accepts students from all over the GCC and is accredited by Al Azhar University, Dar Al Uloom College and the UAE Ministry of Higher Education. About 3,700 students, 2,500 females, and 1,200 males are now attending the college. Al Majid says when you educate a girl you bring light in to the home. “We are proud to be able to say we have over 3,300 female graduates. Helping to ensure women who have a thirst for knowledge are able to access it is important. We also offer post graduate education in Islamic Science and Arabic. We grant Master of Arts and PhD degrees in jurisprudence and Arabic language. We have had over 132 females enrolled in higher education with us,” he says. A proud moment for the National Charity School came when His Highness Sheikh Mohammed bin Rashid Al Maktoum paid a visit to the school in

February 2013. Dr. Kamal Mohamed Farhat, Director of all three schools recounts the story with pride. “The visit came about when one of our young pupils was at the airport with her family travelling back home for the holiday. At the airport she saw His Highness Sheikh Mohammed bin Rashid Al Maktoum and rushed over to greet him. His Highness was very kind to her and asked her what she would like from him. Most children would ask for an expensive gift of some kind. What our pupil asked for is a great source of pride to us. She begged him to come and visit her school. Arrangements were made and we were so proud to welcome His Highness here to our school. He toured all the classrooms and spent time with the children,” he says. There is clearly a great deal of pride taken by teachers and pupils of the school. The uniforms are smart, the school buildings pristine, but it is a constant struggle explains Dr Farhat. “We have long waiting lists and more children need to attend the school then we can accommodate. We need resources for equipment, books and teaching. All our staff work so hard because they care deeply about giving young people an education but they work very long hours. They begin in the morning with the first shift of children and after a break in the afternoon return to teach the second shift that attend in the evening.” Over 47 nationalities are represented by pupils of the school, many from beleaguered Syria, others from Pakistan, Taiwan, America and even China. All learning together in Arabic producing a truly multi-cultural and united community whose benefits will extend far beyond the classroom.

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ISSUE 15 | EMIRATES REVIEW

CORPORATE FINANCE

Business Solutions with Finance House

Finance House offers a range of high-end financial products and services for businesses

usinesses face many challenges in their day-to-day running but having a partnership with Finance House can take a lot of the everyday stresses away. Finance House offers a range of superior financial products and services to ensure the focus can be kept on making your individual business a success, rather than having to keep an eye on financial challenges. The Commercial & Corporate Finance division of Finance House provides companies with a single point of access to an integrated suite of commercial and capital products and financial options. These are always delivered by experienced financial professionals and backed by the vast resources of Finance House.

can help. Finance House extends short-term working capital facilities to fund your asset conversion cycle through:

Working Capital Finance

Finance House prides itself on the excellent working relationship and superior services it provides to its corporate customers. Corporate entities face highly specific sets of issues and financial challenges and we are very well equipped to provide complete financial solutions for our corporate customers. These medium and long terms services include, but are not limited to:

Working capital is a requirement for any business in order to pay its trade creditors and for day-to-day trading operations.The difference between current liabilities and current assets, except cash, is known as your working capital and a key metric the finance director or accountant will be aware of at all times. A business’s working capital is equivalent to the amount of cash it can deploy very rapidly, otherwise known as its operating liquidity. Being profitable, or having a large turnover, is by no means a guarantee of success and in times of economic challenges such as those we are currently experiencing, coupled with long payments terms, some businesses may find themselves lacking in working capital. If current assets are less than current liabilities, the business is running on a working capital deficit and will have trouble funding day-to-day expenditures such as paying staff, rent or creditors. Because any business can suffer from a lack of working capital due to long payment terms, Finance House has come up with a range of products that

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• Overdrafts • Local Bills Discounting • Discounting of Approved Payments Certificates/Invoices • Short to Medium Term Loans • Project Finance • Contractor Finance • Real Estate Finance • Finance for Vehicles and Equipment • Finance to Small and Medium Businesses

Corporate Finance Solutions

• CAPEX Loans • Refinancing Loans • Real Estate Loans • Syndicated Facilities • Contractor Financing • Project Financing • SME Finance Each solution is customised to suit the specific needs of every customer, and while we deliver a wide range of innovative, customised and need-based financing solutions to the business society in the UAE, we always remember it is the individual we are doing business with, not the company. Get in touch for more details.

ISSUE 15 | EMIRATES REVIEW

INVESTMENT

Global Markets Feel the Heat

Global macro-economic concerns, strong dollar and lower commodity prices could send global markets into a tizzy writes Mohammed Wassim Khayata, Managing Director of CAPM Investment P.S.C.

ritain’s decision to exit the European Union has further deepened the wounds of an already slowing economy, which is expected to contract at a quarterly rate of 0.4 per cent. This contraction is said to happen at the quickest pace since 2009 as per the report from Market PMI. Brexit repercussions are far from over as the decision to leave the EU will have the following consequences:

1. Lower trade with EU Members: The EU accounts for a major proportion of UK trading activity, Britain’s decision to leave the EU will raise the risk of lower trade flows in the coming years. 3. Higher Inflation: A lower exchange rate will increase inflation in the UK by an estimated one per cent on an annual basis. 4. Credit contraction: Higher inflation means lower household income in the UK. This in turn may lower prices of major assets such as real estate due to lower demand, and have negative wealth effects for investors seeking to place capital in the UK. 5. Widening credit spread: Tighter liquidity would also widen Credit Default Swap (CDS) spreads and make the country more vulnerable to risk of default.

2. Currency Depreciation: GBP has lost nearly 16 per cent of its value since the referendum and is now trading at USD 1.24/GBP as of 7 October 2016, its lowest level against the USD since the mid 1980’s.

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The Trump effect on the US economy: Following on from Brexit, the markets took another hit from the unexpected US election result. While Donald Trump’s surprise win at the voting booth initially saw markets slump, there was a quick recovery, and this affect is often seen in the aftermath of an election. However, with the FED keeping interest rates at record lows for an extended period it is thought that

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INVESTMENT capital to US denominated assets, thereby causing the USD currency to appreciate.

Trumpâ&#x20AC;&#x2122;s fiscal policy of infrastructure investment and corporate tax breaks will encourage economic stimulus and lead to a FED rate hike later in the year. The US Federal Reserve kept FED funds rates unchanged at their policy meeting on 21 September 2016, in the range of 0.25-0.50 per cent, due to concerns over slow global economic growth. However, there are many signs of improvement, especially in the labour market. According to the labour market report of 5 October 2016, the number of jobless claims has decreased to 249k from 254k. This may soon lead to an interest rate increase, which could see global investors allocate higher

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Impact on the GCC A stronger USD is one of the factors that would result in lower commodity prices, leading to lower crude oil levels and would ultimate trigger a sell-off in GCC equities. Crude oil has closed at USD 51.9/barrel as of 7 October, on the back of the OPEC decision to cut crude oil production, which could stabilise the oil markets in the short term. However any further upside in oil may be capped due to the rise in rig count and inventory levels. Global oilrig count rose to 425 rigs, which is due to an increase in US drilling activity. This would further increase the supply and could lower crude prices even further. Outlook Overall, we remain positive about the UAE market and the measures it has taken to diversify itself from oil; however the impact of the above macro-economic events could create short to medium term volatility in UAE markets. Thus we need to be cautiously optimistic of our investment approach leading into FY 2017.

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Let us be your haven in the heart of the city. Let us create a new tradition that will remain with you for a lifetime. Let us bring together the intricate details that make a perfect evening. Let us show you a side of Dubai youâ&#x20AC;&#x2122;ll never forget.

Discover The Ritz-Carlton, Dubai International Financial Centre, and enjoy a culinary journey with an exceptional choice of dining options, made all the sweeter with a 15% saving on food and beverage for Finance House cardholders. For reservations, please call +971 4 372 2555 or visit ritzcarlton.com/dubaiifc. Terms and conditions apply.

FHS Wins Award for Mobile Application Trading any time and any place is made easy with Finance House Securities new mobile trading application

inance House Securities (FHS), the brokerage arm of Finance House P.J.S.C. (FH) has received the “Award of Appreciation” for its Mobile Trading Application from the Dubai Financial Market (DFM) at the GITEX Awards 2016. The app makes being a trading whiz easier by providing access to both the Abu Dhabi Securities Exchange (ADX) and the Dubai Financial Market (DFM), in order to trade, track price updates, monitor investor portfolios as well as buy and sell stock. Ayman Al Khatib, General Manager of Finance House Securities, said, “It is an honour to be the recipient of the ‘Award of Appreciation for Mobile Trading Application Provider 2016’ in the UAE. We always strive to provide the most innovative and convenient solutions to our investors. The award is a testament of the added value the free FHS mobile trading application brings to the UAE market. The application improves the trading experience of our clients, through equipping them with a trusted and secure mobile application, which facilitates trading at anytime and anyplace.” The free application is one of the first to be developed in the UAE market and can be downloaded via the Apple App Store or Google Play. The app makes it possible for those with a small investment to trade, track prices and monitor their own investment themselves. It is not necessary to be a hedge fund manager or have reams of qualifications in market trading in order to benefit from the user-friendly app. Ayman Al Khatib, added, “We always strive to provide the most innovative and convenient solutions to our investors. The step we have taken simply exemplifies our constant endeavours to improve the trading experience of our clients, through equipping them with a trusted and secure mobile application, which facilitates trading at any time and any place.”

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Finance House Securities is increasingly being recognised as a customer centric investment house. In 2015 it won the Best Domestic Equities Trading Service award at the Banker Middle East Product Awards 2015 for the second consecutive year. According to Al Khatib, “This is yet another milestone that we are proud to attain. Nonetheless, this achievement incentivises us to move forward with our aspirations and continue the expansion of our achievement records, always driven by the passion to provide high quality customer experience.” Finance House Securities is an affiliate of Finance House PJSC (Finance House Group) headquartered in Abu Dhabi. FHS offers creative high standard brokerage and online trading services for its clients to fill gaps and encourage competition in the market, through knowledgeable and experienced staff. Finance House Securities is regulated by the Securities and Commodities Authority of the UAE (SCA).u u

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ISLAMIC FINANCE

Higher Shari’ah Authority to Oversee UAE’s Islamic Financial industry

The UAE Government recently approved the creation of a board to set standards across the industry

collaborative group made up of the UAE Government, the Central Bank of the UAE and the UAE Banks Federation have been workingon guidelines to set up a Higher Shari’ah Authority. In May 2016 the Government approved the launch of the Authority as a national regulator to set standards for Islamic finance products.

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The main objective of the Authority is to formulate guidelines, policies and regulations for Islamic Financial Institutions to support the growth of Islamic banking and the finance industry in UAE. Islamic finance has championed the growth of the Islamic economy, spurring it on to expand at twice the rate of the global economy.

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ISLAMIC FINANCE By Mid-2016, all Companies Must be in Compliance With Dubai “As the birth place of Islamic banking, Dubai’s leadership New Medical Insurance Law; Here is What You Need to Know status in the world of Islamic finance cannot be denied,” said Dr. Adnan Chilwan, Group Chief Executive Officer of Dubai Bank Islamic finance is one of the fastest growing sectors in the world, with expectation that the industry will continue to balloon at a rate of 20 per cent until 2020. Global assets of Islamic banks now exceed $1.3 trillion, according to the latest State of the Global Islamic Economy Report, and are set to double by 2020. So far there is no centralized and standardised structure for policy on Islamic products and without centralized Islamic finance regulation, much inconsistency within this sector is possible. The establishment of guidelines will help to ensure consistency amongst all UAE Islamic banks in their development of new structures and products. The Higher Shari’ah Authority will oversee the Islamic financial sector, approve financial products and set rules and principles for banking transactions in accordance with Islamic jurisprudence on finance. Prior to this UAE-based banks and financial institutions have their own Shari’ah boards, which decides whether a specific product or a lending proposal is Islamic or not. The Authority can work with such individual Shari’ah boards and financial institutions will contribute to the running of the board by paying fees to the Central Bank. The establishment of the Higher Sharia Authority is expected to remove all impediments towards the growth and development of Islamic finance across the UAE by allowing Islamic lenders to deploy their surplus liquidity in areas where they are currently behind.

Dubai leading Islamic economy drive Dubaiopened the world’s first Islamic bank in 1975, and in 2013,The Dubai: Capital of Islamic Economy initiative was launched by His Highness Sheikh Mohammed bin Rashid Al Maktoum, UAE Vice President, Prime Minister and Ruler of Dubai. The Dubai Islamic Economy Development Centre (DIEDC) was established the same year to develop and promote Dubai as the global capital of Islamic economy. “As the birth place of Islamic banking, Dubai’s leadership status in the world of Islamic finance cannot be denied,”

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said Dr. Adnan Chilwan, Group Chief Executive Officer of Dubai Bank. “His Highness Sheikh Mohammed Bin Rashid Al Maktoum’s initiative to establish the emirate as the global capital of Islamic economy not only adds credence to Dubai’s positioning but also indicates the strong commitment and unwavering support of the Government to the development of this fast growing sector. Despite the slowdown in the banking industry in general due to low oil prices, the UAE’s Islamic banking sector has continued to show double digit growth over the recent past.” In 2013, DIEDC launched the Dubai Centre for Islamic Banking and Finance. The institution tackles three of the most vital areas of the sector’s future: knowledge; research, and human capital. The centre conducts seminars to advance the sector’s knowledge. Analysts have long pointed to the absence of a single regulator as an obstacle to the development of the Islamic finance sector in the UAE. The lack of a national board means that disagreement on Shari’ah standards can arise regarding particular products. In a report published in 2015, Deloitte said that a national Shari’ah board could reduce future disputes and increase transactions. “Developing the dispute resolution process for Sharia’ah compliant transactions, establishing a federal level Sharia'ah board and allowing primary sales of Sukuk to retail investors couldfurther support debt market growth,” stated the report which was published in collaboration with the Dubai Economic Council (DEC). Clearly the establishment of the Higher Shari’ah Authority is a step in the right direction for Islamic finance, offering customers peace of mind when searching for Shari’ah compliant financial products. Experts agree the Authority should make offering, marketing and using Islamic products more streamlined and is the culmination of several years of work by the Central Bank of the UAE.

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INSURANCE

Oil Price Impact on Insurance How will the insurance industry be affected by the impact of lower oil prices?

he oil industry has struggled since the later part of 2015 to reach $50 per barrel. The impact of this on oil producing nations is obviously significant but what does it means for insurers in this marketplace? Insurers in the UAE have enjoyed buoyancy in the industry and notable growth in gross premium revenues over the last few decades, partly due to an increase in economic activity and infrastructure building which saw an increase in insurable risks. The introduction of mandatory cover such as motor, medical and liability classes have also fuelled growth in the industry but now the concern is that there will be a slowdown following the economic fallout of the lower oil price. This may mean insurers are not able to achieve top-line premium growth at levels previously experienced according to Global Insurance Credit Ratings agency, A.M. Best.

UAE diversified economy

However, Senior Financial Analyst Myles Gould says that the MENA insurers A.M. Best rates are often not directly invested in the oil-rich sector, and have diversified earning portfolios and robust levels of risk-adjusted capitalisation. This, he says, makes for, “a perfect strategic evolution and a strong approach to enterprise risk management that goes a long way to offset and mitigate the negative implications of some of these micro-economic issues.” While it is certainly the case that insurance companies have benefitted from significant increases in insurable risks over the last few decades through financed engineering, construction and development projects there is understandable concern that public and private sector spending will slow down in the face of lower oil prices.

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But A.M. Best feels that the UAE has done enough to diversify their economy which will go a long way to mitigate the impact. “Of the oil producing GCC countries the UAE stands out, developing as an international tourism, trade and finance hub, and emerging as a centre for renewable energy. As a consequence, the UAE is perceived to have a great level of long-term economic stability,” states an A.M. Best Special Report: Understanding the Realities for Insurers Operating in Oil-Rich Emerging Markets.

Impact on domestic insurers

But the effects of an economic downturn are likely to be varied across the insurance industry. The A.M. Best report continues, “Domestic insurers in the region often only have profiles and balance sheets that support them taking a small net share on large property and engineering risks. Nevertheless they have benefitted from strong inward commissions from regional and global reinsurers that bear the majority of these risks, and profitability over the last five years has been buoyed by these commissions.” What this means is a slowdown in property and construction risks may not impact the net written premium base of most domestic insurers, but technical profitability may be subject to deterioration. A.M. Best also notes that given the exposure most local insurers have to equity and real estate assets, it is highly conceivable that investment markets, and consequently the non-technical performance of these insurers, may be further impacted.

Surviving the oil price decline

While no one can predict the depth and breadth of the economic fallout of lower oil prices or when they may begin to rise, there is no expectation that it will improve

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INSURANCE

“A.M. Best-rated insurers across the GCC region have good balance sheet strength, and this should enable them to absorb market deficiencies, at least over the short-to-medium term.” in the short term and a fall in investor confidence may lead to a further deterioration or fluctuations in asset values. This may greater pressure on insurance growth and earnings. However, the UAE stands out among other GCC countries for diversifying away from oil revenue dependence. Dubai has developed as an international tourism, trade and finance hub, and Abu Dhabi is emerging as a centre for renewable energy. The perception is that that this makes the UAE attractive

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to investors, offering the greatest level of long-term economic stability in the region. Furthermore, A.M. Best believes the impact of these market conditions is unlikely to result in much of a deterioration in market performance, enabling insurers to adapt their strategies as necessary. The report stated, “A.M. Best-rated insurers across the GCC region have good balance sheet strength, and this should enable them to absorb market deficiencies, at least over the short to medium term.”

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REAL ESTATE

Dubai & Abu Dhabi Hotels Highly Rated Colliers International hotels have released an overview of the region's hotel trade from July to Sept 2016 and includes results from the Guest Experience Index

bu Dhabi beach hotels and Palm Jumeirah hotels received the highest Guest Experience Index (GEI) scores for the entire region according to the Colliers International Mena Hotel Forecast July 2016 report. The publication provides hotel performance forecasts and Guest Experience Indicators for 28 submarkets in key MENA hospitality markets and it covered a three-month period from July to September 2016. In order to establish the GEI rating, data from nearly 100 review sites and online travel agencies is Three month occupancy rate % Source: Colliers International, 2016

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amalgamated, analysed and processed. This is done in partnership with Olery, a travel and hotel data specialist, in conjunction with VU University Amsterdam. Olery has a proprietary algorithm which it uses to achieve a weighted score which is then analysed by Colliers. “Abu Dhabi's positive outlook is the result of Abu Dhabi Tourism’s efforts to differentiate the city and its market offering. The demand generators that we have seen enter the market recently have all contributed to the overall brand equity of Abu Dhabi. We expect new supply to be absorbed by the market which will help Abu Dhabi go from strength to strength,” said, Filippo Sona, Head of Hotels for Colliers International in the MENA region. Palm Jumeirah hotels received a rating of 89, Abu Dhabi beach 88 and in third place was Dubai Marina and JBR with a rating of 86. The study found that guests from Australia gave the highest ratings while those travelling with a friend were by far the most satisfied. This was followed by guests travelling on business, after which came couples, families, lone guests and lastly, groups. Unsurprisingly the higher the hotel star rating, the happier the guest. Guests in Alexandre, Jeddah, and Mecca were the least satisfied according to the report, with a joint GEI rating of 72, closely followed by Cairo at 73. Sona said, “While Dubai’s hotel market is going through a period of adjustment, it still retains its position as one of the world’s leading tourism destinations, and occupancy and Average Daily Rates (ADR) remain at a strong level. With a number of major tourism and leisure projects due to be released in 2016, such as Dubai Parks,

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Dubai Creek & Festival City

Sharjah 77

Sheikh Zayed Road & DIFC

Palm Jumeirah

Dubai 80

Ras Al Khaimah

Marina/JBR

Fujairah

Abu Dhabi

Abu Dhabi city

Abu Dhabi beach

Map of Guest Experience Index scores. Source: Olery, Colliers International, 2016

“Palm Jumeirah and Abu Dhabi Beach Hotels received the highest GEI scores, followed closely by hotels in Luxor and Doha West Bay.” a readjustment in the market and double digit growth is expected to return in the near future.” The report highlighted improvements in occupancy rates for parts of Egypt (Alexandria and Cairo, +11 and +21 per cent respectively) and a marginal improvement for Kuwait, (up one per cent). But other parts of Egypt have clearly been impacted by past events with usually hot tourist spots of Sharm El Sheikh and Hurghada down an alarming -63 and -62 per cent respectively. According to Sona, Cairo’s good performance can be attributed to strong corporate and MICE activity which is expected to continue. Regarding Sharm El Sheikh and Hurghada, he said, “The drop in demand has deteriorated further and the market continues to feel the repercussions of negative tourist sentiment and instilled travel alerts from a number of European feeder markets. No recovery is expected in the short to medium term.” Occupancy rates across the UAE were generally lower than across the same period last year according to Colliers, with Dubai Creek worst affected, at -12 per cent. Only Ras Al Khaimah and Fujairah showed any improvement in occupancy rates compared to the same period last year, +5 per cent and +4 per cent

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respectively. However, Dubai’s hotel occupancy levels remain relatively healthy at 76 per cent for Dubai Marina/JBR and 73 per cent for Palm Jumeirah. Abu Dhabi city’s hotel occupancy rate is also healthy at 66 per cent and 61 per cent for Abu Dhabi beach, although this is down on last year’s rates by -8 per cent and -10 per cent respectively. Sona pointed out that Colliers analysis adds value to the market saying, “The data in the MENA Hotels Forecast may be utilised to understand the anticipated shifts in market performance in accordance with the future trends expected in the short term, thereby allowing hoteliers to revisit forecasts accordingly. The GEI is able to provide valuable insights for perceived service quality and how it differs from one market to the next. This information can highlight areas of opportunity.” Colliers International Hotels division is a global network of specialist consultants in hotel, resort, marina, golf, leisure, and spa sectors, dedicated to providing strategic advisory services to owners, developers and government institutions to extract best values from projects and assets.

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LAW

Recent Ministerial Decree relates to PJSC and LLC

Dunya Feghaly Senior Associate – Law House

The Ministerial Decree of the Ministry of Economy clarifies the content of Article 104 of the Companies Law and leaves ambiguity concerning the prohibition of providing loans to the Board. Article 104 of Federal Law No. (2) of 2015 regarding commercial companies the “Companies Law” has ignited controversy and debate among both legal circles and businessmen alike. The subject of this debate revolves around the contents of such article which states that “Limited Liability Companies shall be subject to provisions related to Public Joint Stock Companies in matters not specifically stipulated in the law”. In order to end various interpretations and to clarify this Article, the UAE Ministry of Economy has issued Ministerial Decree No. (272) of 2016, published on 29th April 2016 (“the Ministerial Decree”), specifying in its Article (3) the provisions concerning the Public Joint Stock Companies (“PJSC”) that also apply to Limited Liability Companies (“LLC”), and those that do not apply to the latter.

1) Provisions concerning PJSC that apply to LLC as set out in the Companies Law Responsibility of Board of Directors and Dismissal of Liability Suit Article (162) stipulates that the board members of the company the (“Board”) shall be responsible for all

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actions of fraud and abuse of power as well as for any violation of the law, or of the articles of association of the company and any errors made in the management. Article (163) further stipulates that the company shall adhere to actions of the Board member against a third party who acts in good faith. Article (167) stresses that any decision issued by the company’s general assembly the (“Assembly”) as to relieving the Board shall not drop the civil liability suit against the Board members due to the faults they commit while performing their duties. Request of Shareholders, Auditor or Authority to convene an Assembly According to articles (174), (175) and (176), the Board shall have the right to invite the Assembly to convene at the request of a shareholder or more who owns/ own shares representing at least (20%) of the capital, as well as at the request of the company’s auditor the (“Auditor”) or the competent authority the (“Authority”). It must be noted that if the Chairman of the Board fails to convene the Assembly within (5) days of the date of the Authority’s request, the Authority shall send a notice of the meeting at the company’s expense.

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LAW Suspension of the Assembly’s Decisions According to Article (191), the Authority may, at the request of those who own not less than 5% of the shares, issue a decision suspending the implementation of the Assembly’s decisions that have been issued to harm them, or favoring a certain group of shareholders, or achieving advantages to the Board or any third parties.

Non-election of the Board or Non-Appointment of the Auditor Article (192) indicates that if the Assembly fails to take a decision on the election of the Board members or on the appointment of an auditor, the Authority shall refer the issue to the Chairman of the board of the Authority to appoint a temporary Board for a period not exceeding one fiscal year. In the case this reoccur, the Authority shall take a decision to dissolve the company. Auditors Articles (243, 245, 247, 248, 249, 250, 251, 252, 253, and 254) determine the mechanism for appointing an Auditor, his duties for preparation and submission of the audit report, the maintenance of the confidential data of the company, its prohibition from dealing in securities, its obligations to notify the Authority of any violations constituting a criminal offense that may be discovered while performing his duties, and various issues regarding his dismissal, resignation and liability. Auditing Accounts of the Fiscal Year Article (236) confirms that the company should place at the Authority a copy of its accounts and the Auditor’s report within (7) days from the date of convening the Assembly.

prohibits the company from dealing with such parties without the approval of the Board as to the deals not exceeding 5% of the capital, and without the approval of the Assembly as to the deals exceeding such percentage. Powers of the Board Article (154) prohibits the Board from making loans on behalf of the company for more than (3) years, or selling immovable properties of the company, or mortgaging its funds, or discharging its debtors or making settlement or agreeing on arbitration. Providing Financial Assistance Article (222) prohibits the company from providing financial assistance to any shareholder to enable him to purchase any additional shares, stocks or bonds issued by the company, or any financial assistance to provide loans, gifts or donations. In conclusion, it must be noted that this Ministerial Decree has a tangible benefit as it has explained and clarified important points related to the PJSC and LLC in its endeavor to protect the partners’ rights and determine their duties and responsibilities, as well as specifying prohibited actions that they should not commit. However, some ambiguity still remains in Article (153) of the Companies Law that stipulates the prohibition of providing loans to Board members in the PJSC, as it is unclear whether this prohibition also applies to the LLC.

2) Provisions concerning PJSC that do not apply to LLC as set out in the Companies Law Management Articles (143, 144, 145, 147, 149, 151 and 169) specify the formation of the Board, how to elect its members, the action to be taken if there is a vacant position among the Board members, the voting mechanism for the election of the Board members, the conditions of Board membership in several PJSCs, the remuneration of the Board members, as well as stressing the requirement that the chairman and the majority of the Board’s members shall be UAE nationals. Prohibited Actions Article (152) prohibits the related parties from taking advantage of any information obtained by them by virtue of their membership or position, to achieve their own benefit or benefit of third parties. It also

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LAW HOUSE ADVOCATES & LEGAL CONSULTANTS Abu Dhabi Al Orjowan Tower, Office 404, Zayed 1st Street (Khalidiya) P.O. Box 62777, Abu Dhabi, United Arab Emirates Tel: +971 2 6334488 Fax: +971 2 6316655 Dubai Maze Tower, Office 402, Sheikh Zayed Road (Adjacent to DIFC) P.O. Box 72281, Dubai, United Arab Emirates Tel: +971 4 3517909 Fax: +971 4 3517919 www.lawhouse.ae

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HEALTH & FITNESS

Get A Belly Fit For the Beach Despite eating right some people struggle with belly bloat and with beach season upon us , what can you do to beat the bloat?

espite working out and eating healthily some people report feeling bloated and are unable to shake off the bulge. This might be due to a sensitive gut and whilst conventional wisdom dictates eating low fat yogurt, whole grains, fruit and raw veggies is good for your health and weight loss – some nutritionists say these foods should be avoided. Rashi Chowdary, a UAE based nutritional expert, diabetic educator and founder of the UAE’s first and only grain free bakery, Protein Bake Shop, says conditions such as a sensitive gut, or leaky gut as it can be referred to, are on the increase, causing a range of symptoms but people are not always aware they have it. Chowdary says, “The condition is also known as increased intestinal permeability whereby the lining of your digestive system develops increased

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porosity allowing larger particles like undigested food to pass through. This leads to GI inflammation, food intolerance and autoimmune disorders and causes bloating, weight-gain, digestive problems and skin issues.” According to Chowdary processed grains, sugar, genetically modified foods, un-sprouted legumes, refined seed oils and conventional dairy act as nutrient blockers, attach to your digestive lining damaging the gut and causing inflammation. The problem, she says, is further aggravated by stress, hormonal imbalances and thyroid issues which lead to the depletion of good gut flora and higher permeability in the intestinal lining. Chowdary recommends the removal of common irritants in your diet for a month to start with in order to observe the change in your digestion and overall metabolism. “Eat meat and vegetables, especially those with soluble fibre like butternut squash and plantains and also ensure you get naturally occurring fats like omega 3 in your meal. Adding herbal teas to your diet can help repair the mucosal lining in your digestive system. Supplement your diet with probiotics or vitamin rich cod liver oil to help with the inflammation and healing of your gut,” she says. This should be followed with a reintroduction phase of your diet to see the change in your energy levels, digestive function and skin. “It’s tricky”, says Chowdary, “but reintroduce one of the eliminated foods every week to discover which are causing you problems and which are not. And when you get your gut-healthy-diet right, stick to it and make it your lifestyle. That’s the only way, food gimmicks only give a short term solution. For good gut health -- being consistent and eating with awareness is what you need.”

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LUXURY & TRAVEL

Flying High in Business

Business meetings and corporate events go sky high with exciting packages from Seawings

orporate companies in the UAE are always on the lookout for opportunities to take their business to the next level but UAE based Seawings can literally take your company up into the skies. The seaplane tour operator has been creating stunning aerial sightseeing excursions since 2007, swooping low over iconic landmarks such as Atlantis the Palm and the Burj Al Arab, and have now added corporate packages to their repertoire. In order to take your business meetings to new heights Seawings have launched their bespoke corporate solutions division that includes tailored corporate events, team building programmes, and unique employee rewards schemes which include stunning aerial tours over the UAE. Stuart Wheeler, CEO of Seawings, says that the company launched a series of unique programs this year to ensure companies have access to creative corporate event ideas. “By becoming a one-stop shop for companies seeking distinct internal and client-focused engagement solutions, Seawings aims to not only raise the options available to leading UAE firms, but further cement the UAE’s international positioning and reputation among overseas organisations as an innovative and trusted world-class incentive destination,” he said. Options for such exclusive excursions include golf

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packages, fine dining, heritage tours and resort hotels. Offerings include the two-day luxury spa weekend in the Six Senses Resort in Zighy Bay, Oman. Travel by road to the resort and return via Seaplane to Dubai from AED 4,700. There are also several golf excursions to choose from including Abu Dhabi Links Golf Day Trip which comprises a seaplane from Dubai to Abu Dhabi Yas Island where the 18-holes at Yas Links golf course awaits, priced from AED 2,200 per person. “Seawings corporate solutions are tailored with trusted providers and uniquely combine Seawings’ signatory air tours,” added Wheeler. “From customer retention to developing personal client relations and enhancing employee productivity, we handcraft tours that fuse scenic flights with other luxury UAE activities. These tailor-made trips are developed for both internal events such as team building, as well as corporate entertaining for their new or existing clients.” The Seawings fleet consists of three Cessna 208 Caravan Seaplanes which take off from its operating bases, located around Dubai. Travelling to over 24 destinations within the UAE Seawings can also arrange gift vouchers that can be used for employee incentive programmes, bespoke employee discount programs and team building activities.

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ARTS & CULTURE

Art for Art’s Sake The Emirates is emerging as a regional arts hub with new art galleries and programmes being launched recently

The UAE’s position in the Middle Eastern art scene is growing through the artistic appreciation of the government, exemplified in the willingness to invest, endorse, and support artistic enterprise. From Fujairah’s International Arts Festival to the Sharjah Biennale, Art Dubai to Abu Dhabi Art Fair, the art season, running from November to March annually, means visitors and residents are spoilt for choice when it comes to attending exhibitions and being part of cultural art scene. We explore your not-to-be-missed art events this season.

It also featured Durub Al Tawaya, curated by Tarek Abou El Fetouh, which celebrated art with live performances and mobile installations. Top names making an appearance included Richard Armstrong, of the Solomon R. Guggenheim Foundation; Neil MacGregor, of the British Museum; the philosopher Peter Sloterdijk. Abu Dhabi Art takes place at the Manarat Al Saadiyat in the Saadiyat Cultural District and is a not to be missed event for art lovers in the country.

Abu Dhabi Art

Art in the Community

There was an opportunity to enjoy works by artists from all over the world during Abu Dhabi Art which took place on 16-19 November 2016. Organised annually by Abu Dhabi Tourism & Culture Authority it offers a diverse arts programme with a series of performances, panel discussions, presentations, workshops and installations. The event in 2015 featured top names in the art world as well as installations from showcased exceptional works from emerging artists alongside celebrated and iconic pieces by the world’s foremost artists.

Hot on the heels of Abu Dhabi Art comes the first of its kind event in the UAE–Quoz Arts Festival. This is the UAE’s first free community arts festival and includes live art, murals, workshops, film screenings, gallery openings and musical performance created by local talent. It takes place in Alserkal Avenue in the Al Quoz area, known as an arts hub, with numerous galleries and home-grown cultural initiatives.

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ARTS & CULTURE

The event literally takes over the arts district of Al Quoz, and features more than 40 community-driven shows catering to families, art enthusiasts, film and music lovers. The festival supports home-grown talent and runs from 10am to 10pm on January 22-23 2017; be there or be sad.

Fujairah’s First Art Festival In February 2016 the first ever Fujairah International Arts Festival was launched by the Fujairah Culture and Media Authority (FCMA). It is an artistic platform for artists from all over the globe and aimed to introduce the Arab Emirati culture to the world through a range of art disciplines. Art troupes from 55 countries took part and covered music, performing arts, theatre, traditional art and street carnivals. The festival is held in various locations around the Emirate including the Fujairah Corniche, the Fujairah Fort, Dibba Heritage Village, Masafi, Tuwayyain and Bidiyah. Lovers of art and cultural events that are suitable for all family need to ensure they don’t miss this. The following month sees the well celebrated Sharjah Biennial, one of the most important artistic events in the region, established in 1993 under the patronage of His Highness Sheikh Dr. Sultan Bin Mohammed Al Qasimi, Member of the UAE Supreme Council and Ruler of Sharjah and organised by the Sharjah Art Foundation. Previous Sharjah Biennial’s have featured the works of more than 50 artists and cultural practitioners from 25 countries.

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It has become a platform for regional and international artists and has produced large-scale public installations and performances. Catch it from March at various locations. No self-respecting Art aficionado would miss Art Dubai held at the Madinat Jumeirah and the Dubai Design District. Art Dubai has been held for the last 10 years every March and celebrates global artistic diversity. Last season it attracted 27,516 visitors including visitors from 95 museums, curators and institutions including Centre Pompidou, Museum of Modern Art, New York, Solomon R. Guggenheim, LACMA, British Museum, the Metropolitan Museum, the Museum of Contemporary Art Chicago as well as several private museums. This season visitors can expect an impressive line up of experts including artists, curators, musicians, strategists, thinkers and writers at the event taking place between March 5-18, 2017. If, by now, you are not totally ‘arted-out’, a visit to the Sikka Art Fair may be called for. This is the Middle East’s first entirely commissioned visual and performing art programme and is held in the alleyways (sikkas in Arabic, hence the name of the event) of the historical Al Fahidi area and includes exhibitions, live performances and film screenings. Established in 2010, the 11-day programme is organised by the Dubai Culture and Arts Authority and also takes place in March.Visitors who want to try their hand at artistic expression get the opportunity to select from a wide range of workshops that range from Arabic Typography, portrait drawing or puppet-making.

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LIFESTYLE

Winter is Here Time to celebrate this fact with a host of fun outdoor activities

Cursty Hoppe and Francesca Krachai enjoying a desert ride

ans of the Game of Thrones TV programme might hear the words, “winter is coming” with some trepidation but not so the rest of us in the UAE. We revel in this time of year with lazy afternoons and moonlit nights spent under a vast starlit sky. For those of you who love to embrace the great outdoors at this time of year, the UAE offers a range of fun activities for all the family to enjoy. From riding horses in the desert, kayaking among the mangroves or learning to fly-board in Dubai Marina, grab your sunnies and some factor 20 and head outdoors.

Ride the desert winds

Countrymen of the desert have a historic bond with Arabian horses, one in which each has had to trust

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the other with their lives. This unique bond is as special today as it ever was and it is one anyone can enjoy if they trot down to Dubai City Stables located 25 minutes’ drive from Downtown Dubai close to where the Emirates road meets the Kalba-Sharjah road. There, far from the madding crowds of Dubai’s busy malls and well-known tourist destinations you will find thestables set in Al Dhabi Farm, itself in a traditional farming area where the horses that the Bedouins call “drinkers of the wind” graze alongside camels, goats, donkeys and many other farm animals. Here locals and expats alike meet every weekend to ride horses across the desert winds over unspoilt landscapes, under wide open sky.

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LIFESTYLE Emirati owner, Jamal Bin Dabbobi, is passionate about animals and the local desert environment, and encourages anyone to come down and visit the farm, whether they want to ride or simply mingle with man and beast. More than simply a hobby, or even a passion, the farm is an eco-mission with regular horse-riding and vehicle assisted desert clean up days, to pick up the debris left by careless campers recklessly discarding their desert feast waste. The farm is also home to waifs and strays as Jamal takes in animals in need of a home. “We love it out here,” says Cursty Hoppe, a regular horse rider and UAE resident, “A huge gang of us comes out every weekend, not only to ride but also to pet and groom the animals. It is the absolute antithesis of Dubai, away from its glitzy polish, it offers something altogether more real.” Hoppe says that the farm is a “mad-house” of retired competition horses and a “multi-national crew” of die-hard animal lovers who spend most of their free time at the farm having family BBQ’s, holding kids gymkhanas and eating a Friday curry breakfast ahead of trailing out into the desert for a horse ride. Horse rental and lessons are available, visit website for more details.

Beating the desert drums

Drum beating holds its own mythical connection to people, tribal or not. The rhythmical sound has been said to hold hypnotic qualities over listeners and takes groups into trance-like states. Creating unity through drumming is apparently one of the oldest forms of team building – it relieves stress, and creates healthy brainwaves says Julie-ann Odell, owner of Dubai Drums. “Drumming brings people together. There is evidence that drum beating was the oldest form of communication between cities and today it can unify teams, energise groups and bring people together.” Dubai Drums is run and organised by Odell who set it up in 2002 and uses rhythm work and group drumming as a tool for team building. They hold regular Full Moon Desert Drumming sessions open to novices and experienced drummers alike. Odell describes these meets as friendly gatherings where you can connect to your inner rhythms, join in with the jamming or tribal dancing or simply relax with friends. Visit Dubai Drums website for further details. “You can enjoy a tasty barbecue and when you’re not drumming or being otherwise entertained, just sit back, soak up mother earth’s desert energy and gaze

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Drumming brings people together.

at the moon.The great thing is that group drumming transcends all boundaries. Suddenly it doesn’t matter anymore who you are, where you come from, or what you do for a living-everyone communicates through the language of rhythm,” says Odell.

Light fires under the stars

Close to the Oman-Sharjah border you will find the Kalba Eco-tourism Project, which offers a wide range of attractions from dune bashing to mountain trekking. But of particular interest is their campsite that comes complete with wooden huts, showers and cooking stations. This means you get all the benefits of camping out and being close to nature but are still able to hold on to some practical creature comforts too. Located at the foot of the Hajar Mountains, overlooking parts of the nature reserve the campsite is run in partnership with Absolute Adventures who can organise off-road adventures, mountain biking and guided hill walking. From here you can explore some of the extraordinary natural beauty of the nature reserve which has protected species such as Arabian tahr and Dhamani gazelle, as well as many rare species of birds. Huddling round a campfire at night holds its own special charms for groups of friends and families, and with the added protection of fire pits and dining tables, a night under the stars in the Kalba wilderness may well be the very definition of winter wonderfulness. Visit Absolute Adventure website for details.

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189 modern hotel rooms and suites with contemporary design and luxurious styling, complemented throughout with panoramic views from

Your guide to desert wellness with a wide selection of treatments designed to instill power, beauty & relaxation, located high above the city of Abu Dhabi.

Celebrating the Mediterranean coastal regions of Italy, France and Spain, in a sharing style environment that best describes the Mediterranean lifestyle, serving the highest food quality in an elegant yet relaxed atmosphere.

For reservations and queries, contact us on 02 596 1234 or email abudhabi.capitalgate@hyatt.com HYATT CAPITAL GATE ABU DHABI KHALEEJ AL ARABI ST, PO BOX 95165 T +(971) 2 596 1234 F +(971) 2 596 1235 abudhabi.capitalgate.hyatt.com facebook.com/hyattcapitalgate

THE LIGHTER SIDE

The Lighter Side It’s good to end things with a smile

A baby hippo helps save a baby rhino’s life

Trailer full of cheese melts into the night

Unlikely bedfellows, a baby hippo and a baby rhino have become inseparable mates after rescuers placed them together in order to give tiny two-day old white rhino calf, Makhosi, a better chance of survival. Thula Thula Rhino Orphanage, a specialised care and rehabilitation centre for orphaned rhinos in South Africa, found tiny Makhosi with his mum but he was too weak and small to feed from her. Having taken her back to their centre she could not settle so rescuers put her to bed with Charlie the baby hippo and in a very short time the rhino and hippo became inseparable, providing comfort and care to one another.

Police in Wisconsin are searching for a trailer full of cheese that melted into the night. According to United Press International, the driver told police that he dropped the trailer off in the lot at 2 a.m. and returned to find it gone. Police say the trailer, containing 9092kg of cheese, was stolen from a parking lot in Milwaukee County and it was the latest in a string of cheese thefts in the Dairy State. No value was given for the amount of cheese stolen, but police were continuing to investigate the theft. A similar theft occurred in Wisconsin in January, when a semitrailer containing $70,000 worth of cheese was stolen and emptied out.

Tv remote control for dogs developed with a paws button

Huge windfall for family who auction door stop A family in Birmingham scored a big win when a vase they used for years as a doorstop fetched a whopping £650,000 (approximately – AED 3,145,820) at auction. It turns out that the blue and white vase propping open their door is a rare 18th century Chinese artifact, made during Emperor Qianlong’s reign between 1735 and 1799. The unnamed seller of the world’s most expensive doorstop ever, inherited it from his great aunt Florence, an antique dealer, in 1978, reported the Huffington post. www.EmiratesReview.ae

Pet food maker, Wagg and experts at the University of Central Lancashire, have developed a TV remote control for pooches so that pets left alone with the TV on can channel surf their favourite TV programmes. As barking mad as it sounds, the gadget has been designed with paws and dribbles in mind, being made with tough waterproof plastic. It comes complete with raised surfaces to make it easy to switch channels and it gives off low-frequency squeaks that appeal to canines, the Sunday People reported. Researcher lyena Hirskyj-Douglas was reported as saying, “Our studies show that the average dog now watches more than nine hours of TV a week, showing technology is already playing a huge part in our pets’ lives.” Wagg hopes to talk to tech companies to put the prototype into full production for switched-on pets in the near future.

ISSUE 15 15 || EMIRATES EMIRATES REVIEW REVIEW

Dec 26, 2016 Jan 28, 2017

EVENTS & CALENDAR

Dubai Shopping Festival

Oct 06, 2016 May 10, 2017

Abu Dhabi Classics 2016 - 2017

Now in its third dynamic year, this cultural extravaganza brings a range of free and paid for concerts in various locations around Abu Dhabi to the masses. The new season brings classical and traditional music featuring world-class performers and orchestras from around the world incorporating Abu Dhabi Classics, the Emirati Music Series, Umsiyat and the Bait Al Oud Concert Series. Audiences can expect performances, talks, masterclasses and lectures from some of the leading contemporary musicians from across the world. Musical pieces inspired by the Arabian Nights, Mozart’s Don Giovanni and Wagner’s great operas are on offer. Not to be missed. www.abudhabiclassics.ae

2017 ‫ ﻣﺎﻳﻮ‬10 ‫ إﱃ‬2016‫ أﻛﺘﻮﺑﺮ‬6 ‫ﻣﻦ‬ 2017 2016- ‫ﻣﻬﺮﺟﺎن أﺑﻮﻇﺒﻲ ﻟﻠﻤﻮﺳﻴﻘﻰ اﻟﻜﻼﺳﻴﻜﻴﺔ‬

‫ﻟﺘﻘﺪم ﻣﺠﻤﻮﻋﺔ ﻣﺘﻨﻮﻋﺔ ﻣﻦ‬ ‫ﺗﻌﻮد ﻫﺬه اﻟﻔﻌﺎﻟﻴﺔ اﻟﺜﻘﺎﻓﻴﺔ ﻓﻲ ﻋﺎﻣﻬﺎ اﻟﺜﺎﻟﺚ‬ ّ ‫اﻟﺤﻔﻼت اﻟﻤﻮﺳﻴﻘﻴﺔ اﻟﻤﺠﺎﻧﻴﺔ واﻟﻤﺪﻓﻮﻋﺔ ﻓﻲ ﻣﻮاﻗﻊ ﻣﺨﺘﻠﻔﺔ ﻣﻦ أﺑﻮﻇﺒﻲ؛ ﺣﻴﺚ‬ ‫ﺳﻴﻜﻮن اﻟﺠﻤﻬﻮر ﻫﺬا اﻟﻤﻮﺳﻢ ﻋﻠﻰ ﻣﻮﻋﺪ ﻣﻊ ﺣﻔﻼت ﻛﻼﺳﻴﻜﻴﺔ وﻓﺮق أورﻛﺴﺘﺮا‬ ‫ ﺑﻤﺎ ﻳﺸﻤﻞ "أورﻛﺴﺘﺮا أﺑﻮﻇﺒﻲ‬،‫رﻓﻴﻌﺔ اﻟﻤﺴﺘﻮى ﻣﻦ ﻣﺨﺘﻠﻒ أﻧﺤﺎء اﻟﻌﺎﻟﻢ‬ ‫ وﺳﻠﺴﻠﺔ ﺣﻔﻼت "ﺑﻴﺖ‬،"‫ و"أﻣﺴﻴﺎت‬،"‫ و"ﺳﻠﺴﻠﺔ اﻟﻤﻮﺳﻴﻘﻰ ا´ﻣﺎراﺗﻴﺔ‬،"‫اﻟﻜﻼﺳﻴﻜﻴﺔ‬ ‫ وورش ﻋﻤﻞ‬،‫ وﺟﻠﺴﺎت ﺣﻮارﻳﺔ‬،‫ ﻛﻤﺎ ﻳﺘﻀﻤﻦ اﻟﺒﺮﻧﺎﻣﺞ اﺳﺘﻌﺮاﺿﺎت أداء‬."‫اﻟﻌﻮد‬ ‫وﻣﺤﺎﺿﺮات ﺗﺤﺖ إﺷﺮاف ﻛﻮﻛﺒﺔ ﻣﻦ أﻫﻢ اﻟﻤﻮﺳﻴﻘﻴﻴﻦ اﻟﻤﻌﺎﺻﺮﻳﻦ اﻟﻘﺎدﻣﻴﻦ ﻣﻦ‬ ‫ أﻧﺘﻢ ﻋﻠﻰ ﻣﻮﻋﺪ ﻣﻊ ﺑﺎﻗﺔ ﻣﻦ أروع‬،‫ ﺑﻌﺒﺎرة أﺧﺮى‬.‫دول ﻣﺨﺘﻠﻔﺔ ﺣﻮل اﻟﻌﺎﻟﻢ‬ ،"‫ا´ﺑﺪاﻋﺎت اﻟﻤﻮﺳﻴﻘﻴﺔ اﻟﻤﺴﺘﻮﺣﺎة ﻣﻦ أﻋﻤﺎل ﻋﻤﻼﻗﺔ ﻋﻠﻰ ﻏﺮار "أﻟﻒ ﻟﻴﻠﺔ وﻟﻴﻠﺔ‬ ‫ ﻟﺬا اﺣﺮﺻﻮا‬،‫ وا®ﻋﻤﺎل ا®وﺑﺮاﻟﻴﺔ اﻟﻤﺬﻫﻠﺔ ﻟﻔﺎﻏﻨﺮ‬،‫وﻣﻘﻄﻮﻋﺔ "دون ﺟﻴﻮﻓﺎﻧﻲ" ﻟﻤﻮزارت‬ .‫ﻋﻠﻰ ﻋﺪم ﺗﻔﻮﻳﺖ ﻫﺬه اﻟﻔﺮﺻﺔ‬

Now known around the globe as a world leading retail destination on par with New York and London shoppers flock to Dubai all year-long but never more so than for Dubai Shopping Festival – A Shoppers Paradise (DSF). Now in its 20th edition, the well-established and largest shopping and entertainment extravaganza in the Middle East will be giving trade and tourism another welcome boost. Along with unbeatable deals, there is the Guinness World Records, celebrity performances and plenty of amazing events including fashion flash mobs and live raffle draws. www.dubaishoppingfestival2013.com

2016 ‫ دﻳﺴﻤﱪ‬26 ‫ﻣﻦ‬ 2017 ‫ ﻳﻨﺎﻳﺮ‬28 ‫إﱃ‬

‫ﻣﻬﺮﺟﺎن ديب ﻟﻠﺘﺴﻮق‬

‫ﻣﻤﺎ ﻻ ﺷﻚ ﻓﻴﻪ أن دﺑﻲ أﺻﺒﺤﺖ اﻟﻴﻮم واﺣﺪة ﻣﻦ أﺷﻬﺮ وﺟﻬﺎت اﻟﺘﺴﻮّ ق اﻟﻌﺎﻟﻤﻴﺔ‬ ‫ﺧﺎﺻﺎ ﺧﻼل‬ ‫ﻃﺎﺑﻌﺎ‬ ‫ ﻏﻴﺮ أن اﻟﻤﺪﻳﻨﺔ ﺗﻜﺘﺴﺐ‬،‫اﻟﺘﻲ ﻻ ﺗﻘﻞ أﻫﻤﻴﺔ ﻋﻦ ﻧﻴﻮﻳﻮرك وﻟﻨﺪن‬ ً ً ‫ واﻟﺬﻳﻦ‬،‫ﻣﻬﺮﺟﺎن دﺑﻲ ﻟﻠﺘﺴﻮق ﻟﺘﻐﺪو ﺑﻤﺜﺎﺑﺔ ﺟ ّﻨﺔ ﻟﻠﺒﺎﺣﺜﻴﻦ ﻋﻦ أﻓﻀﻞ ﻓﺮص اﻟﺸﺮاء‬ ‫ وﻳﻌﻮد‬.‫ﺧﺼﻴﺼﺎ ﻣﻦ أﺟﻞ ﻫﺬه اﻟﻤﻨﺎﺳﺒﺔ‬ ‫ﻳﺘﻮاﻓﺪون ﻣﻦ ﻛﺎﻓﺔ أﻧﺤﺎء اﻟﻤﻌﻤﻮرة‬ ً ‫ ﻫﺬا‬-‫ اﻟﺬي ﻳﻌﺘﺒﺮ أﻛﺒﺮ ﻓﻌﺎﻟﻴﺔ ﻟﻠﺘﺴﻮّ ق واﻟﺘﺮﻓﻴﻪ ﻓﻲ اﻟﺸﺮق ا®وﺳﻂ‬-‫اﻟﻤﻬﺮﺟﺎن‬ ‫اﻟﻌﺎم ﻓﻲ دورﺗﻪ اﻟﻌﺎﺷﺮة ﻟﻴﺜﺮي ﻗﻄﺎﻋﻲ اﻟﺘﺠﺎرة واﻟﺴﻴﺎﺣﺔ وﻳﻌﺰز ﺣﻔﺎوة اﻟﺘﺮﺣﻴﺐ‬ ‫ ﻓﻀ ًﻠﺎ ﻋﻦ‬،‫ﺳﻴﻘﺪم اﻟﻤﻬﺮﺟﺎن أروع ﺻﻔﻘﺎت اﻟﺘﺴﻮق‬ ‫اﻟﺘﻲ ﺗﺸﺘﻬﺮ ﺑﻬﺎ اﻟﻤﺪﻳﻨﺔ؛ ﺣﻴﺚ‬ ّ ‫ واﺳﺘﻌﺮاﺿﺎت ﻓﻨﻴﺔ ﻟﺸﺨﺼﻴﺎت‬،‫رﻗﺎم اﻟﻘﻴﺎﺳﻴﺔ‬Ì‫ﻣﺴﺎﺑﻘﺎت ﻣﻮﺳﻮﻋﺔ ﻏﻴﻨﻴﺲ ﻟ‬ ‫ إﻟﻰ ﺟﺎﻧﺐ اﻟﻌﺪﻳﺪ ﻣﻦ اﻟﻔﻌﺎﻟﻴﺎت اﻟﻤﺬﻫﻠﺔ ﻣﺜﻞ ﻋﺮوض ا®زﻳﺎء واﻟﺴﺤﻮﺑﺎت‬،‫ﻣﺸﻬﻮرة‬ .‫اﻟﺤﻴّﺔ‬

www.dubaishoppingfestival2013.com

http://abudhabiclassics.ae

Nov 14, 2016 Feb 13, 2017 Designing 007: 50 years of Bond style

For those who like their past-times shaken, not stirred, a visit to the 007 exhibition at Burj Khalifa this winter is a must. The coolest of cool dudes, the chicest of chic, Bond has been the global leader in style and design for decades. For fans wanting to know more about how it’s done, ‘Designing 007: Fifty Years of Bond Style’ highlights the craft behind the crafty hero. Held at various locations around Burj Khalifa and Dubai Mall. www.jamesbondexhibition-dubai.com

2016 ‫ ﻧﻮﻓﻤﱪ‬14 ‫ﻣﻦ‬ 2017 ‫ ﻓﱪاﻳﺮ‬13 ‫إﱃ‬ "‫"ﻧﺼﻒ ﻗﺮن ﻋﲆ ﻋﺎمل ﺟﻴﻤﺲ ﺑﻮﻧﺪ‬

‫ﻻ ﺑﺪ ﻣﻦ زﻳﺎرة ﻣﻌﺮض "ﻧﺼﻒ ﻗﺮن ﻋﻠﻰ ﻋﺎﻟﻢ ﺟﻴﻤﺲ ﺑﻮﻧﺪ" ﻓﻲ ﺑﺮج ﺧﻠﻴﻔﺔ ﻫﺬا اﻟﺸﺘﺎء‬ ،‫إن ﻛﻨﺘﻢ ﺗﺮﻏﺒﻮن ﺑﺎﺳﺘﻐﻼل وﻗﺖ ﻓﺮاﻏﻜﻢ ﻓﻲ ﺷﻲء ﻣﻤﻴّﺰ إﻟﻰ أﺑﻌﺪ اﻟﺤﺪود‬ ‫ﻟﺘﺘﻌﺮّ ﻓﻮا ﻋﻠﻰ ﺗﺎرﻳﺦ ﺷﺨﺼﻴﺔ ﺑﻮﻧﺪ اﻟﺬي ﻟﻄﺎﻟﻤﺎ ﺳﺤﺮ اﻟﻤﺸﺎﻫﺪﻳﻦ ﺑﺄﻧﺎﻗﺘﻪ وأﺳﻠﻮﺑﻪ‬ ‫ وذﻟﻚ ﻣﻊ إﻟﻘﺎء ﻧﻈﺮة ﻋﻦ ﻛﺜﺐ ﻋﻠﻰ ﻣﺎ وراء‬،‫وذﻛﺎﺋﻪ ﻋﻠﻰ ﻣﺪى ﻋﻘﻮد ﻋﺪﻳﺪة‬ ‫ ﻳﻘﺎم اﻟﻤﻌﺮض ﻓﻲ ﻣﻮاﻗﻊ‬.‫ﻛﻮاﻟﻴﺲ إﻧﺘﺎج وﺗﺼﻮﻳﺮ أﻓﻼم ﻫﺬا اﻟﺒﻄﻞ ذاﺋﻊ اﻟﺼﻴﺖ‬ .’‫ﻣﺨﺘﻠﻔﺔ ﻣﻦ ﺑﺮج ﺧﻠﻴﻔﺔ و‘دﺑﻲ ﻣﻮل‬

www.jamesbondexhibition-dubai.com

Jan 16 - 28, 2017 CATS – The Musical

Andrew Lloyd Webber's extraordinary 2015 Olivier award-nominated musical CATS will be performed for the first time in Dubai. Originally slated for ten days, it’s been extended by three nights due to high demand. Those familiar with the show will not be surprised, as one of the most successful live shows ever, it has enchanted over 73 million people in over 300 cities worldwide. An enchanting . blend of dance and fantasy, exotic costumes and bestselling hits, it’s one not to be missed.

www.dubaiopera.etixdubai.com

2017 ‫ ﻳﻨﺎﻳﺮ‬28 ‫ إﱃ‬16 ‫ﻣﻦ‬

"‫اﻟﺤﻔﻞ اﻻﺳﺘﻌﺮاﴈ اﻟﻔ ّﻨﻲ "ﻛﺎﺗﺲ‬

‫ﺗﺴﺘﻀﻴﻒ دﺑﻲ ﻟﻠﻤﺮة ا®وﻟﻰ اﻟﺤﻔﻞ اﻟﻤﻮﺳﻴﻘﻲ اﻟﺮاﻗﺺ "ﻛﺎﺗﺲ" ﻣﻦ ﺗﺄﻟﻴﻒ‬ ‫ﻣﺮﺷﺤﺎ ﻟﻨﻴﻞ ﺟﺎﺋﺰة‬ ‫ واﻟﺬي ﻛﺎن‬،‫اﻟﻤﻮﺳﻴﻘﺎر ا´ﻧﺠﻠﻴﺰي اﻟﺸﻬﻴﺮ أﻧﺪرو ﻟﻮﻳﺪ وﻳﺒﺮ‬ ً ‫ﻟﻴﺎل إﺿﺎﻓﻴﺔ‬ ‫ وأدى ا´ﻗﺒﺎل اﻟﻜﺒﻴﺮ ﻋﻠﻴﻪ إﻟﻰ ﺗﻤﺪﻳﺪ ﻋﺮﺿﻪ ﻟﺜﻼث‬،2015 ‫‘أوﻟﻴﻔﻴﻴﻪ’ ﻋﺎم‬ ٍ ‫ﺑﻌﺪ أن ﻛﺎن ﻣﻦ اﻟﻤﻔﺘﺮض أن ﻳﻘﺎم ﻟﻤﺪة ﻋﺸﺮة أﻳﺎم ﻓﻘﻂ ﻓﻲ ﺑﺎدئ ا®ﻣﺮ؛ إذ ﻳﻌﺘﺒﺮ‬ ‫ﻫﺬا اﻻﺳﺘﻌﺮاض اﻟﻤﻤﻴّﺰ واﺣﺪً ا ﻣﻦ أﻧﺠﺢ اﻻﺳﺘﻌﺮاﺿﺎت اﻟﻤﻮﺳﻴﻘﻴﺔ اﻟﺤﻴﺔ ﻓﻲ اﻟﺘﺎرﻳﺦ‬ ‫ ﻣﺪﻳﻨﺔ‬300 ‫ ﻣﻠﻴﻮن ﻣﺸﺎﻫﺪ ﻓﻲ أﻛﺜﺮ ﻣﻦ‬73 ‫ ﻓﻘﺪ اﺳﺘﻘﻄﺐ ﻣﺎ ﻳﺰﻳﺪ ﻋﻦ‬،‫ﻋﻠﻰ ا´ﻃﻼق‬ ‫ وﻫﻮ ﻟﻴﺲ ﺑﺎﻟﺮﻗﻢ اﻟﻤﻔﺎﺟﺊ ﻟﻜﻞ ﻣﻦ ﺳﺒﻖ ﻟﻬﻢ أن ﺷﺎﻫﺪوا ﻫﺬا‬،‫ﺣﻮل اﻟﻌﺎﻟﻢ‬ ‫ﻣﺰﻳﺠﺎ ﺳﺎﺣﺮًا ﻣﻦ اﻟﺮﻗﺺ وﻋﺎﻟﻢ اﻟﺨﻴﺎل وا®زﻳﺎء اﻟﺨﺎرﺟﺔ ﻋﻦ‬ ‫اﻟﻌﻤﻞ اﻟﺬي ﻳﻤﺜﻞ‬ ً ‫ اﺣﺮﺻﻮا‬.‫ ﻓﻀ ًﻠﺎ ﻋﻦ ﺑﺎﻗﺔ ﻣﻦ ا®ﻏﺎﻧﻲ اﻟﻤﻤﻴّﺰة اﻟﺘﻲ ﺣﻘﻘﺖ أﻋﻠﻰ اﻟﻤﺒﻴﻌﺎت‬،‫اﻟﻤﺄﻟﻮف‬ .‫ﻋﻠﻰ ﻋﺪم ﺗﻔﻮﻳﺘﻪ‬

https://dubaiopera.etixdubai.com 36

EMIRATES REVIEW | ISSUE15

www.EmiratesReview.ae

‫ﻓﻌﺎﻟﻴﺎت اﻹﻣﺎرات‬

20 Feb - 04 Mar 2017 Dubai Duty Free Tennis Championships 2017

20 Jan 03 Feb 2017

McLaren Cup

Clearly the sport of kings as it’s held under the Patronage of His Highness Sheikh Maktoum bin Mohammed bin Rashid Al Maktoum, Deputy Ruler of Dubai, the McLaren Cup is an 18 Goal Handicap tournament. It is globally regarded as a premier polo tournament that also features high-class entertainment such as international DJs, at a stylish après event party, mixing with the UAE’s elite.

www.dubaipologoldcup.com

2017‫ ﻓﱪاﻳﺮ‬3 ‫ ﻳﻨﺎﻳﺮ إﱃ‬20 ‫ﻣﻦ‬

The best international players come to Dubai for one of the Emirate’s most anticipated sporting events, the Dubai Duty Free Tennis Championships. This will be the 25th year for the event, bringing the world’s best players once again to Dubai. Do not miss an opportunity to see the world’s top players compete at this year’s Dubai Duty Free Tennis Championships. More details to be announced in the coming months. www.dubaidutyfreetennischampionship.com

2017‫ ﻣﺎرس‬4 ‫ ﻓﱪاﻳﺮ إﱃ‬20 ‫ﻣﻦ‬

2017 ‫ﺑﻄﻮﻟﺔ ﺳﻮق ديب اﻟﺤﺮة ﻟﻠﺘﻨﺲ‬

‫ﺗﺴﺘﻘﻄﺐ ﺑﻄﻮﻟﺔ ﺳﻮق دﺑﻲ اﻟﺤﺮة ﻟﻠﺘﻨﺲ – اﻟﺘﻲ ﺗﻌﺘﺒﺮ واﺣﺪة ﻣﻦ أﻫﻢ اﻟﻔﻌﺎﻟﻴﺎت‬ ‫ ﻣﺸﺎرﻛﺔ ﻻﻓﺘﺔ ﻣﻦ أﻓﻀﻞ اﻟﻼﻋﺒﻴﻦ اﻟﻌﺎﻟﻤﻴﻴﻦ؛ ﺣﻴﺚ ﺗﻘﺎم‬-‫اﻟﺮﻳﺎﺿﻴﺔ ﻓﻲ ا´ﻣﺎرة‬ ‫اﻟﺪورة اﻟﺴﻨﻮﻳﺔ اﻟﺨﺎﻣﺴﺔ واﻟﻌﺸﺮﻳﻦ ﻫﺬا اﻟﻌﺎم ﻟﺘﺘﻴﺢ ﻓﺮﺻﺔ ﻧﻤﻮذﺟﻴﺔ ﻟﻜﺎﻓﺔ‬ ‫ﻣﺤﺒﻲ اﻟﻠﻌﺒﺔ ﻛﻲ ﻳﺸﺎﻫﺪوا ﻣﻨﺎﻓﺴﺎت ﺣﺎﻣﻴﺔ اﻟﻮﻃﻴﺲ ﺑﻴﻦ ﻧﺨﺒﺔ ﻣﻦ اﻟﻼﻋﺒﻴﻦ‬ ‫ ﺳﻴﺘﻢ اﻟﻜﺸﻒ ﻋﻦ اﻟﻤﺰﻳﺪ ﻣﻦ اﻟﺘﻔﺎﺻﻴﻞ‬.‫اﻟﻤﺘﻮاﻓﺪﻳﻦ ﻣﻦ ﻣﺨﺘﻠﻒ أﻧﺤﺎء اﻟﻌﺎﻟﻢ‬ .‫ﺧﻼل ا®ﺷﻬﺮ اﻟﻘﺎدﻣﺔ‬

www.dubaidutyfreetennischampionship.com

‫ﻛﺄس "ﻣﺎﻛﻼرﻳﻦ" ﻟﻠﺒﻮﻟﻮ‬

‫ﺗﺴﺘﻀﻴﻒ دﺑﻲ ﺑﻄﻮﻟﺔ ﻛﺄس "ﻣﺎﻛﻼرﻳﻦ" اﻟﻌﺎﻟﻤﻴﺔ ﻟﻠﺒﻮﻟﻮ اﻟﺘﻲ ﺗﺸﺘﻬﺮ ﺑﻜﻮﻧﻬﺎ "رﻳﺎﺿﺔ‬ ‫ ﻧﺎﺋﺐ‬،‫ وذﻟﻚ ﺗﺤﺖ رﻋﺎﻳﺔ ﺳﻤﻮ اﻟﺸﻴﺦ ﻣﻜﺘﻮم ﺑﻦ ﻣﺤﻤﺪ ﺑﻦ راﺷﺪ آل ﻣﻜﺘﻮم‬،"‫اﻟﻤﻠﻮك‬ ‫ﻫﺎﻧﺪﻳﻜﺎب ﺗﻌﺘﺒﺮ ﻣﻦ أﻫﻢ اﻟﺠﻮﻻت‬18‫ﻋﻠﻤﺎ أن ﻫﺬه اﻟﺒﻄﻮﻟﺔ ذات اﻟـ‬ ،‫ﺣﺎﻛﻢ دﺑﻲ‬ ً ‫اﻟﻌﺎﻟﻤﻴﺔ ﻟﻠﺒﻮﻟﻮ إﻟﻰ ﺟﺎﻧﺐ اﺷﺘﻤﺎﻟﻬﺎ ﻋﻠﻰ ﻓﻌﺎﻟﻴﺎت رﻓﻴﻌﺔ اﻟﻤﺴﺘﻮى ﻣﺜﻞ ﺣﻔﻼت‬ ،‫ واﻟﻔﻌﺎﻟﻴﺔ اﻻﺣﺘﻔﺎﻟﻴﺔ اﻟﻤﻤﻴّﺰة ﺑﻌﺪ اﻧﺘﻬﺎء اﻟﺒﻄﻮﻟﺔ‬،‫ﻣﻨﺴﻘﻲ اﻟﻤﻮﺳﻴﻘﻰ اﻟﻌﺎﻟﻤﻴﻴﻦ‬ ‫ﻓﻀ ًﻠﺎ ﻋﻦ ﻛﻮﻧﻬﺎ ﻓﺮﺻﺔ ﻟﻠﺘﻮاﺻﻞ واﻟﺘﻔﺎﻋﻞ ﻣﻊ اﻟﻨﺨﺒﺔ اﻻﺟﺘﻤﺎﻋﻴﺔ ﻓﻲ دوﻟﺔ ا´ﻣﺎرات‬ .‫اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‬

http://www.dubaipologoldcup.com

25 – 27 Jan 2017 Cityscape Abu Dhabi Exhibition 2017

Firmly established as the Emirate’s leading real estate exhibition, the event is largely regarded as the key barometer for the Middle East’s property sector. Cityscape Abu Dhabi acts as a platform for developers, investors, real estate professionals and government entities to meet and do business. With hundreds of developments from Abu Dhabi and overseas being showcased, Cityscape Abu Dhabi 2017 is the home of real estate investment for the residential, retail, hospitality and commercial sectors. www.cityscapeabudhabi.com

2017‫ ﻳﻨﺎﻳﺮ‬27 ‫ ﻳﻨﺎﻳﺮ إﱃ‬25 "2017 ‫ﻣﻌﺮض "ﺳﻴﺘﻲ ﺳﻜﻴﺐ أﺑﻮﻇﺒﻲ‬

‫ أﻫﻢ ﻣﺆﺷﺮ‬-‫ وﻫﻮ أﺣﺪ أﺑﺮز اﻟﻤﻌﺎرض اﻟﻌﻘﺎرﻳﺔ ﻓﻲ أﺑﻮﻇﺒﻲ‬-’‫ﻳﻌﺘﺒﺮ ‘ﺳﻴﺘﻲ ﺳﻜﻴﺐ‬ ّ ‫ﻣﻠﺘﻘﻰ ﻳﺠﻤﻊ ﺗﺤﺖ‬ ‫وﻳﻤﺜﻞ‬ ،‫ﻳﻌﻜﺲ واﻗﻊ اﻟﻘﻄﺎع اﻟﻌﻘﺎري ﻓﻲ اﻟﺸﺮق ا®وﺳﻂ‬ ً ‫ﻣﻈﻠﺘﻪ اﻟﻤﻄﻮرﻳﻦ واﻟﻤﺴﺘﺜﻤﺮﻳﻦ وﻣﺤﺘﺮﻓﻲ اﻟﻘﻄﺎع اﻟﻌﻘﺎري واﻟﻬﻴﺌﺎت اﻟﺤﻜﻮﻣﻴﺔ‬ ‫ﻟﻴﺘﻴﺢ ﻣﻨﺼﺔ ﻣﺸﺘﺮﻛﺔ ﻟﻤﺰاوﻟﺔ ا®ﻋﻤﺎل؛ ﺣﻴﺚ ﻳﺴﻠﻂ اﻟﻀﻮء ﻋﻠﻰ ﻣﺌﺎت اﻟﻤﺸﺎرﻳﻊ ﻓﻲ‬ ّ ‫ﻓﺮﺻﺎ ﻣﻨﻘﻄﻌﺔ اﻟﻨﻈﻴﺮ ﻟﻜﺎﻓﺔ اﻟﻤﻌﻨﻴﻴﻦ ﺑﺎﻻﺳﺘﺜﻤﺎرات‬ ‫ﻟﻴﻮﻓﺮ‬ ‫أﺑﻮﻇﺒﻲ واﻟﺨﺎرج‬ ً .‫ واﻟﺘﺠﺎرة‬،‫ واﻟﻀﻴﺎﻓﺔ‬،‫ واﻟﺘﺠﺰﺋﺔ‬،‫اﻟﻌﻘﺎرﻳﺔ ﻓﻲ ﻗﻄﺎﻋﺎت ا´ﺳﻜﺎن‬

www.cityscapeabudhabi.com

www.EmiratesReview.ae

23 February - 11 March 2017 Dubai Food Festival 2017

Organised by Dubai Festivals and Retail Establishment (DFRE), an agency of Dubai’s Department of Tourism and Commerce Marketing (DTCM) the Dubai Food Festival is the only truly citywide food festival in the Middle East. Held every year to celebrate the regions love of food and emergence as a gastronomic destination there is a calendar of exciting food-related events and promotions throughout the festival. www.visitdubai.com/en/events/dubai-food-festival-2017

2017‫ ﻣﺎرس‬11 ‫ ﻓﱪاﻳﺮ إﱃ‬23 ‫ﻣﻦ‬ 2017 ‫ﻣﻬﺮﺟﺎن ديب ﻟﻠأمﻛﻮﻻت‬

‫ اﻟﺬي ﺗﻨﻈﻤﻪ ﻣﺆﺳﺴﺔ دﺑﻲ ﻟﻠﻤﻬﺮﺟﺎﻧﺎت واﻟﺘﺠﺰﺋﺔ‬-‫ﻳﻌﺘﺒﺮ ﻣﻬﺮﺟﺎن دﺑﻲ ﻟﻠﻤﺄﻛﻮﻻت‬ ‫ ﻣﻬﺮﺟﺎن‬-(DTCM) ‫ واﻟﺘﺎﺑﻌﺔ ﻟﺪاﺋﺮة دﺑﻲ ﻟﻠﺴﻴﺎﺣﺔ واﻟﺘﺴﻮﻳﻖ اﻟﺘﺠﺎري‬،(DFRE) ‫اﻟﻤﺄﻛﻮﻻت اﻟﻮﺣﻴﺪ ﻣﻦ ﻧﻮﻋﻪ ﻓﻲ اﻟﺸﺮق ا®وﺳﻂ ﻣﻦ ﺣﻴﺚ اﺷﺘﻤﺎﻟﻪ ﻋﻠﻰ ﻓﻌﺎﻟﻴﺎت‬ ‫وأﻧﺸﻄﺔ ﺗﺘﻮزع ﻋﻠﻰ ﻣﺨﺘﻠﻒ أﻧﺤﺎء ﻣﺪﻳﻨﺔ ﺑﺄﻛﻤﻠﻬﺎ؛ ﺣﻴﺚ ﻳﺤﺘﻔﻲ اﻟﻤﻬﺮﺟﺎن ﺳﻨﻮﻳًﺎ‬ ‫ﺑﻌﺸﻖ ﺳﻜﺎن اﻟﻤﻨﻄﻘﺔ ﻟﻠﻄﻌﺎم وﻓﻦ اﻟﻄﻬﻲ ﻣﻊ ﺗﻌﺰﻳﺰ ﻣﻜﺎﻧﺘﻬﺎ ﻛﻮﺟﻬﺔ ﻋﺎﻟﻤﻴﺔ‬ ‫ﻣﺘﻴﺤﺎ ﻟﺰواره ﺗﺸﻜﻴﻠﺔ ﻣﺘﻨﻮﻋﺔ ﻣﻦ اﻟﻔﻌﺎﻟﻴﺎت واﻟﻌﺮوض اﻟﺘﺮوﻳﺠﻴﺔ‬ ،‫ﻋﻠﻰ ﻫﺬا اﻟﺼﻌﻴﺪ‬ ً .‫اﻟﺘﻲ ﺗﺘﻤﺤﻮر ﺣﻮل ا®ﻃﻌﻤﺔ واﻟﻤﺸﺮوﺑﺎت وﻛﻞ ﻣﺎ ﻳﺘﻌ ّﻠﻖ ﺑﻬﺎ‬

www.visitdubai.com/en/events/dubai-food-festival-2017

‫ﺧﻔﺎﻳﻒ‬

‫ﺧﻔﺎﻳﻒ‬ ‫ﻓﺮس ﻧﻬﺮ ﺻﻐﻴﺮ ﻳﺴﺎﻋﺪ ﻓﻲ إﻧﻘﺎذ وﺣﻴﺪ ﻗﺮن ﺻﻐﻴﺮ!‬ ‫َ‬ ‫ﻋﻠﻰ اﻟﺮﻏﻢ ﻣﻦ ّ‬ ‫رﻓﻴﻘﻴﻦ‬ ‫أن ﻓﺮس اﻟﻨﻬﺮ ووﺣﻴﺪ اﻟﻘﺮن ﻟﻴﺴﺎ‬ ‫ﺑﺎﻟﻌﺎدة‪ ،‬إﻻ ّ‬ ‫أن ﻫﺬﻳﻦ اﻟﺤﻴﻮاﻧﻴﻦ اﻟﺼﻐﻴﺮﻳﻦ أﺻﺒﺤﺎ ﺻﺪﻳﻘﻴﻦ‬ ‫ً ﺎ ﻟﺘﻌﺰﻳﺰ ﻓﺮص ﺣﻴﺎة‬ ‫ﻣﻘﺮّ َﺑ‬ ‫ﻳﻮﻣﻴﻦ؛ ﺣﻴﺚ ﻋﺜﺮت دار اﻟﺮﻋﺎﻳﺔ ﺗﻮﻻ ﺗﻮﻻ‪ -‬وﻫﻮ ﻣﺮﻛﺰ ﻣﺘﺨﺼﺺ‬ ‫أﻣﻬﺎ‪ ،‬وﻟﻜ ّﻨﻬﺎ ﻛﺎﻧﺖ‬ ‫إﻓﺮﻳﻘﻴﺎ‪ -‬ﻋﻠﻰ ﻣﺎﺧﻮﺳﻲ اﻟﺼﻐﻴﺮة ﻣﻊ ّ‬ ‫ﺿﻌﻴﻔﺔ وﺻﻐﻴﺮة ﻟﻠﻐﺎﻳﺔ ﻟﺪرﺟﺔ أ ّﻧﻬﺎ ﻋﺠﺰت ﻋﻦ اﻟﺮﺿﺎﻋﺔ‪ .‬وﻟﻢ‬ ‫ﺗﺸﻌﺮ ﺑﺎﻟﺮاﺣﺔ واﻻﺳﺘﻘﺮار ﻋﻨﺪ اﺻﻄﺤﺎﺑﻬﺎ إﻟﻰ اﻟﻤﺮﻛﺰ‪ ،‬ﻟﺬا ﻗﺮّ ر‬ ‫وإذ ﺑﻬﻤﺎ ﻳﻐﺪوان ﺻﺪﻳﻘﻴﻦ ﺣﻤﻴﻤﻴﻦ ﻻ ﻳﺒﺨﻞ أﺣﺪﻫﻤﺎ ﺑﺘﻮﻓﻴﺮ‬ ‫اﻟﺮاﺣﺔ واﻟﻌﻨﺎﻳﺔ ﻟﻶﺧﺮ‪.‬‬

‫ﻣﺤﻤﻠﺔ ﺑﺎﻟﺠﺒﻨﺔ ﺗﺨﺘﻔﻲ ﻓﻲ ﺟﻨﺢ اﻟﻈﻼم‬ ‫ﻣﻘﻄﻮرة‬ ‫ّ‬ ‫ﻣﺤﻤﻠﺔ‬ ‫ﺗﺒﺤﺚ اﻟﺸﺮﻃﺔ ﻓﻲ وﻻﻳﺔ وﻳﺴﻜﻮﻧﺴﻦ ﻋﻦ ﻣﻘﻄﻮرة‬ ‫ّ‬ ‫ﺑﺎﻟﺠﺒﻨﺔ ﺗﻼﺷﺖ دون أﺛﺮ ﻓﻲ ﺟﻨﺢ اﻟﻈﻼم‪ .‬وﺑﺤﺴﺐ وﻛﺎﻟﺔ ﻳﻮﻧﺎﻳﺘﺪ‬ ‫َ‬ ‫ُ‬ ‫اﻟﺸﺮﻃﺔ أ ّﻧﻪ رﻛﻦ اﻟﻤﻘﻄﻮرة ﻓﻲ‬ ‫اﻟﺴﺎﺋﻖ‬ ‫ﺑﺮس اﻧﺘﺮﻧﺎﺷﻮﻧﺎل‪ ،‬ﻓﻘﺪ أﺧﺒﺮ‬ ‫اﻟﻤﻮﻗﻒ ﻋﻨﺪ اﻟﺴﺎﻋﺔ اﻟﺜﺎﻧﻴﺔ ﻓﺠﺮًا ﻟﻴﺘﻔﺎﺟﺄ ﺑﺎﺧﺘﻔﺎﺋﻬﺎ ﻋﻨﺪ ﻋﻮدﺗﻪ‪.‬‬ ‫وﺗﻔﻴﺪ اﻟﺸﺮﻃﺔ ّ‬ ‫أن اﻟﻤﻘﻄﻮرة ‪ -‬اﻟﺘﻲ ﺗﺤﺘﻮي ﻋﻠﻰ ‪ 9092‬ﻛﻎ ﻣﻦ اﻟﺠﺒﻨﺔ‪-‬‬ ‫ﻗﺪ ُﺳﺮﻗﺖ ﻣﻦ ﻣﻮﻗﻒ ﻟﻠﺴﻴﺎرات ﻓﻲ ﻣﻘﺎﻃﻌﺔ ﻣﻴﻠﻮوﻛﻲ ﻟﺘﻀﺎف‬ ‫ﻫﺬه اﻟﺤﺎدﺛﺔ إﻟﻰ ﺳﻠﺴﻠﺔ ﺳﺮﻗﺎت اﻟﺠﺒﻨﺔ ﻓﻲ اﻟﻮﻻﻳﺔ اﻟﺘﻲ ﺗﺸﺘﻬﺮ‬ ‫ّ‬ ‫ﺤﺪ‬ ‫ُ ﱠ‬ ‫اﻟﺸﺮﻃﺔ ﺗﻮاﺻﻞ ﺗﺤﻘﻴﻘﻬﺎ ﻟﻤﻌﺮﻓﺔ ُﻣﻼﺑﺴﺎت اﻟﺤﺎدﺛﺔ‪ .‬وﺟﺪﻳﺮ ﺑﺎﻟﺬﻛﺮ‬ ‫أﻧﻪ ﻗﺪ وﻗﻌﺖ ﻋﻤﻠﻴﺔ ﺳﺮﻗﺔ‬ ‫ﻣﻤﺎﺛﻠﺔ ﻓﻲ وﻳﺴﻜﻮﻧﺴﻦ ﺧﻼل‬ ‫ﺗﻢ ﻧﻬﺐ ﺷﺒﻪ‬ ‫ﺷﻬﺮ ﻳﻨﺎﻳﺮ‪ ،‬ﺣﻴﻦ ّ‬ ‫ﻣﻘﻄﻮرة ﺗﺤﺘﻮي ﻋﻠﻰ ﺟﺒﻨﺔ‬ ‫ﺑﻘﻴﻤﺔ ‪ 70‬أﻟﻒ دوﻻر أﻣﻴﺮﻛﻲ‬ ‫وأﻓﺮِﻏﺖ ﻛﻠﻴًﺎ ﻣﻦ ﻣﺤﺘﻮﻳﺎﺗﻬﺎ‪.‬‬

‫اﺑﺘﻜﺎر ﺟﻬﺎز ﺗﺤﻜﻢ ﺑﺎﻟﺘﻠﻔﺎز ﻋﻦ ُﺑﻌﺪ‬ ‫ﻣﺨﺼﺺ ﻟﻠﻜﻼب!‬ ‫ّ‬

‫ﻋﺎﺋﻠﺔ ﺑﺮﻳﻄﺎﻧﻴﺔ ﺗﺠﻨﻲ ﺛﺮوة ﻃﺎﺋﻠﺔ ﻣﻦ ﺑﻴﻊ "ﺳ ّﻨﺎدة ﺑﺎب"!‬ ‫ﺟﻨﺖ ﻋﺎﺋﻠﺔ ﻣﻦ ﺑﺮﻣﻨﺠﻬﺎم ﺛﺮوة ﻫﺎﺋﻠﺔ ﻋﺒﺮ ﺑﻴﻊ إﻧﺎء‬ ‫ﻣﻘﺎﺑﻞ ‪ 650‬أﻟﻒ ﺟﻨﻴﻪ اﺳﺘﺮﻟﻴﻨﻲ )أي ﻣﺎ ﻳﻘﺎرب‬ ‫درﻫﻤﺎ إﻣﺎراﺗﻴًﺎ( ﻓﻲ اﻟﻤﺰاد اﻟﻌﻠﻨﻲ‪ ،‬ﺣﻴﺚ‬ ‫‪3145820‬‬ ‫ً‬ ‫ّ ﺎدة ﺗﻤﻨﻊ‬ ‫اﻧﻐﻼق اﻟﺒﺎب‪ ،‬ﻟﻴﺘﺒﻴّﻦ أن ﻫﺬه "اﻟﺴﻨﺎدة" ﻟﻴﺴﺖ ﺳﻮى‬ ‫ﻗﻄﻌﺔ أﺛﺮﻳﺔ ﺻﻴﻨﻴﺔ ﻧﺎدرة ﺗﻌﻮد ﻟﻠﻘﺮن اﻟﺜﺎﻣﻦ ﻋﺸﺮ‪،‬‬ ‫وﺻ‬ ‫ُ‬ ‫اﻟﻌﺎﻣﻴﻦ ‪ 1735‬و‪ .1799‬وﺑﺤﺴﺐ ﻣﺎ أوردﺗﻪ ﺻﺤﻴﻔﺔ‬ ‫ذا ﻫﺎﻓﻴﻨﻐﺘﻮن ﺑﻮﺳﺖ‪ ،‬ﻓﻘﺪ ورِث رب اﻟﻌﺎﺋﻠﺔ ‪-‬واﻟﺬي‬ ‫ﺑﻘﻲ اﺳﻤﻪ ﻣﺠﻬﻮ ً‬ ‫ﻻ‬ ‫ﻋﻤﺔ أﺑﻴﻪ‬ ‫َ ﻣﻦ ّ‬ ‫‪ ،1978‬دون أن‬ ‫ﻳﻌﻠﻢ أ ّﻧﻪ ﺳﻴﻜﻮن ﺻﺎﺣﺐ أﻏﻠﻰ ﺳﻨﺎدة ﺑﺎب ﻓﻲ اﻟﺘﺎرﻳﺦ!‬ ‫‪www.EmiratesReview.ae‬‬

‫‘واغ’‪ -‬ﺑﺎﻟﺘﻌﺎون‬ ‫ﻃﻮّ‬ ‫ﻣﻊ اﻟﺨﺒﺮاء ﻓﻲ ﺟﺎﻣﻌﺔ ﺳﻨﺘﺮال ﻻﻧﻜﺸﺎﻳﺮ‪ -‬ﺟﻬﺎ َز ﺗﺤﻜﻢ ﺑﺎﻟﺘﻠﻔﺎز‬ ‫ّ‬ ‫اﻟﺘﻨﻘﻞ ﺑﻴﻦ‬ ‫ﺼﺎ ﻟﻠﻜﻼب‪ ،‬ﻟﻜﻲ ﺗﺴﺘﻄﻴﻊ اﻟﺤﻴﻮاﻧﺎت‬ ‫ﻋﻦ ﺑُﻌﺪ‬ ‫ﻣﺨﺼ ً‬ ‫ّ‬ ‫ﻗﻨﻮات ﺑﺮاﻣﺠﻬﺎ اﻟﺘﻠﻔﺰﻳﻮﻧﻴﺔ اﻟﻤﻔﻀﻠﺔ ﻋﻨﺪ ﺗﺮﻛﻬﺎ وﺣﻴﺪة ﻓﻲ‬ ‫اﻟﻤﻨﺰل ﻣﻊ ﻫﺬا اﻟﺼﻨﺪوق اﻟﺴﺤﺮي‪ .‬ورﻏﻢ ّ‬ ‫أن اﻟﻔﻜﺮة ﺗﺒﺪو ﺿﺮﺑًﺎ‬ ‫ﻣﻦ اﻟﺠﻨﻮن‪ ،‬إﻻ أ ّﻧﻪ ﺗﻢ ﺗﺼﻤﻴﻢ اﻟﺠﻬﺎز ﺑﻄﺮﻳﻘﺔ ﺗﺮاﻋﻲ ﺷﻜﻞ‬ ‫ﻓﺼﻨﻊ ﺑﺎﻟﺘﺎﻟﻲ‬ ‫ﻗﻮاﺋﻢ اﻟﺤﻴﻮاﻧﺎت واﻟﻠﻌﺎب اﻟﺴﺎﺋﻞ ﻣﻦ أﻓﻮاﻫﻬﺎ‪ُ ،‬‬ ‫ﻣﻦ اﻟﺒﻼﺳﺘﻴﻚ اﻟﻤﻘﺎوم ﻟﻠﻤﻴﺎه‪ .‬ﻛﻤﺎ ﻳﺄﺗﻲ ﺑﺄﺳﻄﺢ ﻧﺎﺗﺌﺔ ﻟﺘﺴﻬﻴﻞ‬ ‫ﺗﺒﺪﻳﻞ اﻟﻘﻨﻮات وﻳُﺼﺪر ﺻﺮﻳﺮًا ﻣﻨﺨﻔﺾ اﻟﺘﺮدّ د ﻳﺮوق ﻟﻠﻜﻼب‬ ‫ﺳﻤﺎﻋﻪ ﺑﺤﺴﺐ ﻣﺎ أﻓﺎدت ﺑﻪ ﺻﺤﻴﻔﺔ "ﺻﺎﻧﺪاي ﺑﻴﺒﻮل"‪ .‬وﻓﻲ ﻫﺬا‬ ‫دراﺳﺎﺗﻨﺎ ّ‬ ‫أن اﻟﻜﻠﺐ اﻟﻌﺎدي ﻳﺸﺎﻫﺪ اﻟﺘﻠﻔﺎز أﻛﺜﺮ ﻣﻦ ﺗﺴﻊ ﺳﺎﻋﺎت‬ ‫ﻟﻠﺘﻜﻨﻮﻟﻮﺟﻴﺎ ﻓﻲ ﺣﻴﺎة ﺣﻴﻮاﻧﺎﺗﻨﺎ‬ ‫‘واغ’‬ ‫ﻗﺪﻣ ًﺎ إﻟﻰ إﺑﺮام اﺗﻔﺎﻗﻴﺎت‬ ‫ﻣﻊ ﺷﺮﻛﺎت ﺗﻜﻨﻮﻟﻮﺟﻴﺎ‬ ‫ﺑﺎﻟﻜﺎﻣﻞ ﻣﻦ أﺟﻞ اﻟﺘﺮﻓﻴﻪ‬ ‫"اﻟﻤﻮاﻛﺒﺔ ﻟﻠﺘﻄﻮّ ر" ﻓﻲ‬ ‫ِ‬ ‫اﻟﻤﺴﺘﻘﺒﻞ اﻟﻘﺮﻳﺐ‪.‬‬

‫‪ISSUE 15 | EMIRATES REVIEW‬‬

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‫أﺳﻠﻮب ﺣﻴﺎة‬ ‫ﻟﻴﺮﻛﺒﻮا اﻟﺨﻴﻞ وﻳﻄﻮﻓﻮا ﻓﻲ رﺣﺎب اﻟﺼﺤﺎرى ﻓﻴﻤﺎ ﻳﺴﺘﻤﺘﻌﻮن‬ ‫ّﺔ اﻟﺴﻤﺎء اﻟﻤﻬﻴﺒﺔ‪.‬‬ ‫ﺗﻤﺴ‬ ‫ﺑﻤﻨﺎﻇﺮ ﻃﺒﻴﻌﺔ ﻟﻢ‬ ‫ّ‬ ‫ّ‬ ‫اﻟﻤﺘﻘﺪ ﺗﺠﺎه اﻟﺤﻴﻮاﻧﺎت واﻟﺒﻴﺌﺔ اﻟﺼﺤﺮاوﻳﺔ‬ ‫داﺑﻮﺑﻲ‪ -‬ﺑﺸﻐﻔﻪ‬ ‫وﻳﺸﺠﻊ اﻟﺠﻤﻴﻊ ﻋﻠﻰ زﻳﺎرة اﻟﻤﺰرﻋﺔ ﺳﻮاء ﻛﺎﻧﻮا‬ ‫اﻟﻤﺤﻠﻴﺔ‪،‬‬ ‫ّ‬ ‫ﻳﻨﺸﺪون رﻛﻮب اﻟﺨﻴﻞ أم ﻣﺠﺮّ د ﺗﻤﻀﻴﺔ أوﻗﺎت ﻃﻴّﺒﺔ ﺑﺮﻓﻘﺔ‬ ‫ً ﺎ أن دور اﻟﻤﺰرﻋﺔ ﻻ ﻳﻘﺘﺼﺮ ﻋﻠﻰ ﻛﻮﻧﻬﺎ‬ ‫ً‬ ‫ﺷﻐﻔﺎ ﻓﺤﺴﺐ‪ ،‬ﺑﻞ ﺗﻠﻌﺐ ﻛﺬﻟﻚ دورًا ﺑﻴﺌﻴًﺎ ﻋﺒﺮ‬ ‫ﻣﺠﺮّ د ﻫﻮاﻳﺔ أو‬ ‫ﺗﺨﺼﻴﺺ أﻳﺎم ﻟﺘﻨﻈﻴﻒ اﻟﺼﺤﺮاء ﺑﺎﻧﺘﻈﺎم ﻣﻦ ﺧﻼل رﻛﻮب‬ ‫ﱢﻤﻴﻦ اﻟﺬﻳﻦ‬ ‫ﻳﺮﻣﻮن ﺑﺎﺳﺘﻬﺘﺎر اﻟﻨﻔﺎﻳﺎت ﻓﻲ اﻟﺼﺤﺮاء‪.‬‬ ‫ﻛﻤﺎ أن اﻟﻤﺰرﻋﺔ ﺗﺤﺘﻀﻦ اﻟﺤﻴﻮاﻧﺎت اﻟﺸﺎردة واﻟﻀﺎﻟﺔ اﻟﻤﺤﺘﺎﺟﺔ‬ ‫إﻟﻰ ﻣﻜﺎن ﻳﺄوﻳﻬﺎ‪ .‬وﻓﻲ ﻫﺬا اﻟﺴﻴﺎق‪ ،‬ﺗﻘﻮل ﻛﻴﺮﺳﺘﻲ ﻫﻮب‪ ،‬وﻫﻲ‬ ‫اﻟﻤﺰرﻋﺔ‪ ،‬ﻟﺬﻟﻚ ﻧﺄﺗﻲ ﺑﺄﻋﺪاد ﻏﻔﻴﺮة ﻛﻞ ﻧﻬﺎﻳﺔ أﺳﺒﻮع ﻟﻴﺲ ﻟﻤﺠﺮّد‬ ‫ً‬ ‫أﻳﻀﺎ ﻟﺘﺪﻟﻴﻞ اﻟﺤﻴﻮاﻧﺎت واﻻﻋﺘﻨﺎء ﺑﻬﺎ‪ .‬وﻫﺬا‬ ‫رﻛﻮب اﻟﺨﻴﻞ إ ّﻧﻤﺎ‬ ‫ً ا ﻋﻦ ﺻﻮرﺗﻬﺎ اﻟﺸﻬﻴﺮة‪ ،‬ﺣﻴﺚ‬ ‫اﻟﺒﻬﻲ‬ ‫ﻫﻮ اﻟﻮﺟﻪ‬ ‫ّ‬ ‫ﻳﻤﻜﻨﻜﻢ أن ﺗﻨﻌﻤﻮا ﺑﺘﺠﺮﺑﺔ أﺻﻴﻠﺔ ﻋﻠﻰ أرض اﻟﻮاﻗﻊ"‪.‬‬ ‫وﺗﻘﻮل ﻫﻮب ّ‬ ‫إن اﻟﻤﺰرﻋﺔ ﺑﻤﺜﺎﺑﺔ "دار رﻋﺎﻳﺔ" ﻟﺨﻴﻮل اﻟﺴﺒﺎق‬ ‫ﻃﺎﻗﻤﺎ ﻣﺘﻌﺪد اﻟﺠﻨﺴﻴﺎت ﻣﻦ ﻋﺸﺎق‬ ‫ﺗﻀﻢ‬ ‫اﻟﻤﺘﻘﺎﻋﺪة‪ ،‬إذ‬ ‫ّ‬ ‫ً‬ ‫اﻟﺤﻴﻮاﻧﺎت اﻟﺬﻳﻦ ﻳﻤﻀﻮن ﻣﻌﻈﻢ أوﻗﺎت ﻓﺮاﻏﻬﻢ ﻓﻲ اﻟﻤﺰرﻋﺔ‪،‬‬ ‫وﻳﻘﻴﻤﻮن ﺣﻔﻼت ﺷﻮاء ﻋﺎﺋﻠﻴﺔ وﻣﺴﺎﺑﻘﺎت ﺟﻴﻤﺨﺎﻧﺎ ﻟﻠﺼﻐﺎر‪،‬‬ ‫ً‬ ‫أﻃﺒﺎﻗﺎ ﺑﺎﻟﻜﺎري ﻳﻮم اﻟﺠﻤﻌﺔ ﻋﻨﺪ وﺟﺒﺔ اﻟﻔﻄﻮر ﻗﺒﻞ‬ ‫وﻳﺘﻨﺎوﻟﻮن‬ ‫ً‬ ‫أﻳﻀﺎ اﺳﺘﺌﺠﺎر‬ ‫اﻻﻧﻄﻼق إﻟﻰ اﻟﺼﺤﺮاء ﻟﺮﻛﻮب اﻟﺨﻴﻞ‪ .‬وﻳﻤﻜﻦ‬ ‫ّ‬ ‫وﺗﻠﻘﻲ دروس ﻓﻲ اﻟﻔﺮوﺳﻴﺔ‪ .‬ﻳﺮﺟﻰ زﻳﺎرة اﻟﻤﻮﻗﻊ‬ ‫اﻟﺨﻴﻮل‬

‫ﻗﺮع اﻟﻄﺒﻮل؛ ﺗﻨﺎﻏﻢ وﺗﻔﺎﻫﻢ‬ ‫أذﻫﺎن اﻟﻨﺎس‪ ،‬ﺳﻮاء ﻛﺎﻧﻮا ﻳﻨﺘﻤﻮن إﻟﻰ ﻣﺠﺘﻤﻌﺎت ﻗﺒﻠﻴﺔ أم ﻻ؛ ﺣﻴﺚ‬ ‫ُﻳ‬ ‫ﻟﻴﻨﻘﻞ اﻟﻤﺠﻤﻮﻋﺎت اﻟﺒﺸﺮﻳﺔ إﻟﻰ ﻧﻮعٍ ﻣﻦ اﻟﻮﻋﻲ اﻟﺒﺪﻳﻞ‪.‬‬ ‫وﻳﺒﺪو ّ‬ ‫أن ﺧﻠﻖ ﺣﺎﻟﺔ ﻣﻦ اﻟﻮﺋﺎم ﻋﺒﺮ ﻗﺮع اﻟﻄﺒﻮل ﻫﻮ أﺣﺪ‬ ‫ﺣﺪة اﻟﺘﻮﺗﺮ وﻳﻮ ّﻟﺪ‬ ‫اﻟﻔﺮق؛ إذ ﻳﺨﻔﻒ ﻣﻦ‬ ‫أﻗﺪم أﺷﻜﺎل ﺑﻨﺎء ِ‬ ‫ّ‬ ‫ﻣﻮﺟﺎت دﻣﺎﻏﻴﺔ ﺻﺤﻴﺔ ﺑﺤﺴﺐ ﻣﺎ أﻓﺎدت ﺑﻪ ﺟﻮﻟﻲ‪-‬آن أودﻳﻞ‪،‬‬ ‫ﻣﺎﻟﻜﺔ "دﺑﻲ دراﻣﺰ"‪ .‬واﻟﺘﻲ ﺗﻘﻮل‪" :‬ﻳﺴﺎﻫﻢ ﻗﺮع اﻟﻄﺒﻮل ﻓﻲ‬ ‫ﻓﺜﻤﺔ أد ّﻟﺔ ﺗﺸﻴﺮ إﻟﻰ ّ‬ ‫أن ﻗﺮع اﻟﻄﺒﻮل ﻛﺎن ﻣﻦ‬ ‫ﺟﻤﻊ اﻟﺸﻤﻞ‪،‬‬ ‫ّ‬ ‫أﻗﺪم أﺷﻜﺎل اﻟﺘﻮاﺻﻞ ﺑﻴﻦ اﻟﻤﺪن‪ ،‬وﻫﺎ ﻫﻮ اﻟﻴﻮم ً‬ ‫أﻳﻀﺎ ﻳُﺜﺒﺖ‬ ‫اﻟﻔﺮق‪ ،‬وﺗﺰوﻳﺪ اﻟﻤﺠﻤﻮﻋﺎت ﺑﺎﻟﻄﺎﻗﺔ واﻟﺤﻴﻮﻳﺔ‬ ‫ﻗﺪرﺗﻪ ﻋﻠﻰ ﺗﻮﺣﻴﺪ ِ‬ ‫ﻓﻀ ً‬ ‫ﻼ ﻋﻦ ﺗﻮﺣﻴﺪ اﻟﻨﺎس"‪.‬‬ ‫ﻳُﺸﺎر إﻟﻰ ّ‬ ‫أن‬ ‫أﺳﺴﺖ اﻟﻔﺮﻗﺔ ﻓﻲ اﻟﻌﺎم ‪2002‬‬ ‫ّ‬ ‫اﻟﻔﺮق‪ .‬و ُﺗﻘﻴﻢ اﻟﻔﺮﻗﺔ ﺟﻠﺴﺎت‬ ‫اﻟﺠﻤﺎﻋﻲ ﻛﺄداة ﻟﺒﻨﺎء ِ‬ ‫وﻗﺮع اﻟﻄﺒﻮل َ‬ ‫ﻣﻨﺘﻈﻤﺔ ﻟﻘﺮع اﻟﻄﺒﻮل ﻓﻲ اﻟﺼﺤﺮاء ﺗﺤﺖ ﺿﻴﺎء اﻟﺒﺪر‪ ،‬وﻫﻲ‬ ‫ﺣﺪ‬ ‫ﻣﺘﺎﺣﺔ أﻣﺎم ﻗﺎرﻋﻲ اﻟﻄﺒﻮل اﻟﻤﺒﺘﺪﺋﻴﻦ واﻟﻤﺘﻤﺮّﺳﻴﻦ ﻋﻠﻰ ّ‬ ‫ﺑﺘﺠﻤﻌﺎت ودودة ﺗﺘﻴﺢ ﻟﻠﻤﺮء‬ ‫وﺗﺼﻒ أودﻳﻞ ﻫﺬه اﻟﻠﻘﺎءات‬ ‫ﺳﻮاء‪.‬‬ ‫ِ‬ ‫ّ‬ ‫َ‬ ‫اﻟﺘﻮاﺻﻞ‬ ‫ّ ﺑﺴﺎﻃﺔ‪ .‬ﻳﻤﻜﻨﻜﻢ‬ ‫ﻣﺰﻳﺪ ﻣﻦ اﻟﻤﻌﻠﻮﻣﺎت‪.‬‬ ‫زﻳﺎرة ﻣﻮﻗﻊ "دﺑﻲ دراﻣﺰ" ﻟﻠﺤﺼﻮل ﻋﻠﻰ‬ ‫ٍ‬ ‫ً‬ ‫ﻗﺎﺋﻠﺔ‪" :‬ﻳﻤﻜﻨﻜﻢ اﻻﺳﺘﻤﺘﺎع‬ ‫ﻋﻼوة ﻋﻠﻰ ذﻟﻚ‪ ،‬ﺗﻌ ّﻠﻖ أودﻳﻞ‬ ‫ﺑﺄﻃﺒﺎق اﻟﻤﺸﺎوي اﻟﺸﻬﻴﺔ‪ ،‬وﺣﻴﻦ ﻻ ﺗﺸﺎرﻛﻮن ﻓﻲ ﻗﺮع اﻟﻄﺒﻮل‬

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‫ﻳﺴﺎﻫﻢ ﻗﺮع اﻟﻄﺒﻮل ﻓﻲ ﺟﻤﻊ اﻟﺸﻤﻞ‪.‬‬

‫أو ﻓﻲ ﺑﺮﻧﺎﻣﺞ ﺗﺮﻓﻴﻬﻲ ﻣﺎ‪ ،‬ﻟﻴﺲ ﻋﻠﻴﻜﻢ ﺳﻮى اﻻﺳﺘﺮﺧﺎء واﻟﺘﻤ ّﺘﻊ‬ ‫ﺑﺎﻟﻄﺎﻗﺔ اﻟﺼﺤﺮاوﻳﺔ اﻟﻔﻴّﺎﺿﺔ ﻓﻴﻤﺎ ﺗﺘﺄﻣﻠﻮن ﺑﻬﺎء اﻟﺒﺪر‪ .‬وﻟﻌﻞ‬ ‫ّ‬ ‫أروع ﻣﺎ ﻓﻲ اﻟﻤﻮﺿﻮع ّ‬ ‫ﻳﺘﺨﻄﻰ ﻛﻞ‬ ‫اﻟﺠﻤﺎﻋﻲ‬ ‫أن ﻗﺮع اﻟﻄﺒﻮل َ‬ ‫اﻟﺤﺪود‪ ،‬ﻓﻔﺠﺄة ﻻ ﻳﻌﻮد أﺣﺪ ﻳﻜﺘﺮث ﻟﻤﻦ ﺗﻜﻮﻧﻮن‪ ،‬أو ﻣﻦ أﻳﻦ‬ ‫ّ‬

‫ﺳﻬﺮات اﻟﺴﻤﺮ ﺗﺤﺖ ﺳﻤﺎء ﻣﺮﺻﻌﺔ ﺑﺎﻟﻨﺠﻮم‬

‫ﺑﺎﻟﻘﺮب ﻣﻦ اﻟﺘﺨﻮم اﻟﻔﺎﺻﻠﺔ ﺑﻴﻦ ﺳﻠﻄﻨﺔ ﻋﻤﺎن واﻟﺸﺎرﻗﺔ‪،‬‬ ‫ً‬ ‫ﺑﺎﻗﺔ ﻣﻦ اﻟﺨﺪﻣﺎت‬ ‫ﻳﺘﺮﺑﻊ ﻣﺸﺮوع ﻛﻠﺒﺎء ﻟﻠﺴﻴﺎﺣﺔ اﻟﺒﻴﺌﻴﺔ ﻟﻴﻘﺪم‬ ‫ّ‬ ‫واﻟﺘﻨﺰه ﻓﻲ اﻟﺠﺒﺎل‪.‬‬ ‫اﻟﺘﻲ ﺗﺸﻤﻞ اﻟﻘﻴﺎدة ﻋﻠﻰ اﻟﻜﺜﺒﺎن اﻟﺮﻣﻠﻴﺔ‬ ‫ّ‬ ‫ّﺰ‬ ‫وﻟﻌﻞ‬ ‫ﻟﻠﻄﻬﻲ؛‬ ‫وﺣﺠﺮات ﻟﻼﺳﺘﺤﻤﺎم وﻣﺤﻄﺎت‬ ‫ﺑﺄﻛﻮاخ ﺧﺸﺒﻴﺔ‪،‬‬ ‫ُ‬ ‫ّ‬ ‫ﺣﻴﺚ ﺳﺘﺴﺘﻔﻴﺪون ﻣﻦ ﻛﻞ ﻣﺰاﻳﺎ اﻟﺘﺨﻴﻴﻢ ﻓﻲ اﻟﻬﻮاء اﻟﻄﻠﻖ‬ ‫وﺳﺘﺴﺘﻤﺘﻌﻮن ﺑﺘﻮاﺟﺪﻛﻢ ﺑﻴﻦ أﺣﻀﺎن اﻟﻄﺒﻴﻌﺔ‪ ،‬وﻟﻜﻦ ﻣﻊ‬ ‫وﺳﺎﺋﻞ راﺣﺔ ﻋﻤﻠﻴّﺔ ﻓﻲ اﻟﻮﻗﺖ ﻋﻴﻨﻪ‪.‬‬ ‫ﻳﺘﻤﻮﺿﻊ ﻣﻮﻗﻊ اﻟﺘﺨﻴﻴﻢ ﻋﻨﺪ ﺳﻔﺢ ﺟﺒﺎل اﻟﺤﺠﺮ وﻳُﺸﺮف‬ ‫ﺑﺎﻟﺘﻌﺎون ﻣﻊ ﺷﺮﻛﺔ "أﺑﺴﻮﻟﻮت أدﻓﻨﺘﺸﺮز" اﻟﺘﻲ ّ‬ ‫ﺗﻨﻈﻢ ﻣﻐﺎﻣﺮات‬ ‫اﻟﻘﻴﺎدة ﻋﻠﻰ اﻟﻄﺮق اﻟﻮﻋﺮة‪ ،‬ورﻛﻮب اﻟﺪراﺟﺎت اﻟﻬﻮاﺋﻴﺔ ﻋﻠﻰ‬ ‫ّ‬ ‫واﻟﺘﻨﺰه ﻋﻠﻰ اﻟﺘﻼل ﺑﺮﻓﻘﺔ ﻣﺮﺷﺪ ﺳﻴﺎﺣﻲ‪.‬‬ ‫اﻟﻤﺴﺎرات اﻟﺠﺒﻠﻴﺔ‬ ‫وﻣﻦ ﻫﺬا اﻟﻤﻮﻗﻊ ﻳﻤﻜﻨﻜﻢ أن ﺗﺨﺘﺒﺮوا ﺑﺄﻧﻔﺴﻜﻢ اﻟﺠﻤﺎل‬ ‫ﺗﺠﺴﺪ ﻣﻮﺋ ً‬ ‫ﻼ آﻣ ًﻨﺎ‬ ‫اﻟﻄﺒﻴﻌﻲ اﻻﺳﺘﺜﻨﺎﺋﻲ ﻟﻠﻤﺤﻤﻴﺔ اﻟﻄﺒﻴﻌﻴﺔ اﻟﺘﻲ‬ ‫ّ‬ ‫ّ دة ﺑﺎﻻﻧﻘﺮاض ﻛﺎﻟﻄﻬﺮ اﻟﻌﺮﺑﻲ وﻏﺰال اﻟﺪﻣﺎﻧﻲ‪،‬‬ ‫ﻓﻀ ً‬ ‫ﻋﺪة أﻧﻮاع ﻧﺎدرة ﻣﻦ اﻟﻄﻴﻮر‪.‬‬ ‫ﻼ ﻋﻦ ّ‬ ‫ﺗﺆﻣﻦ اﻟﺤﻤﺎﻳﺔ ﻟﻠﺒﻴﺌﺔ وﻟﻠﺤﺎﺿﺮﻳﻦ‪،‬‬ ‫وﺑﻔﻀﻞ ُﺣﻔﺮ اﻟﻨﺎر اﻟﺘﻲ‬ ‫ّ‬ ‫واﻟﻄﺎوﻻت اﻟﺘﻲ ﺗﻮﻓﺮ ﻟﻬﻢ اﻟﺮاﺣﺔ أﺛﻨﺎء ﺗﻨﺎول اﻟﻄﻌﺎم‪ ،‬ﺗﺤﻠﻮ‬ ‫ّف‬ ‫ﻋﻠﻰ ﺣ ّﻠﺔ ﻏﻴﺮ ﻣﺄﻟﻮﻓﺔ ﻟﻠﺸﺘﺎء‪ .‬وﻣﺎ ﻋﻠﻴﻜﻢ ﺳﻮى اﻻﺳﺘﻤﺘﺎع‬ ‫ًا ﻣﻊ ﻫﺪوء اﻟﻠﻴﻞ وﺗﺒﻌﺚ‬ ‫ًا وﺑﻬﺠﺔ ﻻ ﺗﻮﺻﻒ‪ .‬ﻳﺮﺟﻰ‬ ‫ﻣﻦ اﻟﺘﻔﺎﺻﻴﻞ‪.‬‬

‫| اﻟﻌﺪد ‪15‬‬

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‫أﺳﻠﻮب ﺣﻴﺎة‬

‫ﻫﺎ ﻗﺪ ّ‬ ‫ﺣﻞ اﻟﺸﺘﺎء‬ ‫ﻟﻨﺴﺘﻘﺒﻞ اﻟﻔﺼﻞ اﻟﺠﺪﻳﺪ ﺑﺒﺎﻗﺔٍ ﻣﻦ اﻟﻨﺸﺎﻃﺎت اﻟﻤﺮﺣﺔ ﻓﻲ اﻟﻬﻮاء اﻟﻄﻠﻖ‬

‫ﻛﻮرﺳﺘﻲ ﻫﻮب وﻓﺮاﻧﺸﻴﺴﻜﺎ ﻛﺮاﺗﺸﻲ‬ ‫ﻳﺴﺘﻤﺘﻌﺎن ﺑﺮﺣﻠﺔ ﺻﺤﺮاوﻳﺔ‬

‫ﻋﻠﻰ‬

‫اﻟﻨﻘﻴﺾ ﻣﻦ ﺳﻜﺎن اﻟﻜﺜﻴﺮ ﻣﻦ اﻟﺪول اﻟﻐﺮﺑﻴﺔ‬ ‫اﻟﺬﻳﻦ ﻳﻬﺎﺑﻮن ﻗﺪوم اﻟﺸﺘﺎء‪ ،‬ﻓﺈﻧﻨﺎ ﻓﻲ‬ ‫ا´ﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة ﻧﺴﺘﻤﺘﻊ ﺑﻬﺬا‬ ‫اﻟﻮﻗﺖ ﻣﻦ اﻟﺴﻨﺔ ﻋﺒﺮ ﺗﻤﻀﻴﺔ ﻓﺘﺮات ﺑﺎﻋﺜﺔ‬ ‫وﻟﻴﺎل ﻣﻘﻤﺮة‬ ‫ﻋﻠﻰ اﻻﺳﺘﺮﺧﺎء ﺑﻌﺪ اﻟﻈﻬﺮ‪،‬‬ ‫ٍ‬ ‫ﻣﻤﻦ‬ ‫ﺗﺤﺖ اﻟﺴﻤﺎء اﻟﺸﺎﺳﻌﺔ‬ ‫ّ‬ ‫اﻟﻤﺮﺻﻌﺔ ﺑﺎﻟﻨﺠﻮم‪ .‬وإذا ﻛﻨﺘﻢ ّ‬ ‫ﻳﻌﺸﻘﻮن ﺗﻤﻀﻴﺔ أﺣﻠﻰ ا®وﻗﺎت ﻓﻲ اﻟﻬﻮاء اﻟﻄﻠﻖ ﺧﻼل ﻫﺬا‬ ‫ً‬ ‫ﺗﻨﻄﻮي‬ ‫اﻟﻮﻗﺖ ﻣﻦ اﻟﻌﺎم‪ ،‬ﻓﺈن دوﻟﺔ ا´ﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‬ ‫ً‬ ‫ﺑﺎﻗﺔ ﻣﻨﻮّ ﻋﺔ ﻣﻦ اﻟﻨﺸﺎﻃﺎت اﻟﻤﺮﺣﺔ اﻟﺘﻲ ﺗﻨﺎﺳﺐ ﺟﻤﻴﻊ‬ ‫ﻋﻠﻰ‬ ‫ﺑﺪءا ﻣﻦ اﻣﺘﻄﺎء اﻟﺨﻴﻞ ﻓﻲ رﺣﺎب اﻟﺼﺤﺮاء‪ ،‬وﻣﺮورًا‬ ‫أﻓﺮاد ا®ﺳﺮة؛ ً‬ ‫ﺑﺮﻛﻮب اﻟﻜﺎﻳﺎك واﻟﺘﺠﺬﻳﻒ ﺑﻴﻦ أﺷﺠﺎر اﻟﻘﺮم‪ ،‬ووﺻﻮ ً‬ ‫ﻻ إﻟﻰ ﺗﻌ ّﻠﻢ‬ ‫رﻛﻮب اﻟﻔﻼي ﺑﻮرد ﻓﻲ ﻣﺮﺳﻰ دﺑﻲ‪ ،‬ﻓﻠﻴﺲ ﻋﻠﻴﻜﻢ ﺳﻮى وﺿﻊ‬ ‫واق ﻣﻦ أﺷﻌﺔ اﻟﺸﻤﺲ‪ ،‬وﻣﻦ ﺛﻢ‬ ‫اﻟﻨﻈﺎرات اﻟﺸﻤﺴﻴﺔ وﻛﺮﻳﻢ ٍ‬ ‫اﻟﺘﻮﺟﻪ إﻟﻰ اﻟﻬﻮاء اﻟﻄﻠﻖ ﻟﻌﻴﺶ أﺟﻮاء وﺗﺠﺎرب ﻣﻨﻘﻄﻌﺔ اﻟﻨﻈﻴﺮ‪.‬‬ ‫ّ‬

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‫| اﻟﻌﺪد ‪15‬‬

‫ﺟﻮﺑﻮا رﺣﺎب اﻟﺼﺤﺎرى‬

‫اﻟﻌﺮى ﻣﻊ اﻟﺨﻴﻮل‬ ‫ﻟﻄﺎﻟﻤﺎ رﺑﻄﺖ أﺑﻨﺎء اﻟﺼﺤﺮاء ﻋﻼﻗﺔ وﺛﻴﻘﺔ ُ‬ ‫ﺣﺪ اﺋﺘﻤﺎﻧﻬﺎ ﻋﻠﻰ‬ ‫اﻟﻌﺮﺑﻴﺔ ﻋﻠﻰ ﻣﺮّ اﻟﺘﺎرﻳﺦ‪ ،‬ﻓﻮﺛﻘﻮا ﺑﻬﺎ إﻟﻰ‬ ‫ّ‬ ‫ﺣﻴﺎﺗﻬﻢ‪ ،‬واﻟﻌﻜﺲ ﺻﺤﻴﺢ‪ ،‬وﻻ ﺗﺰال ﻣﻌﺎﻧﻲ ﻫﺬه اﻟﺼﺪاﻗﺔ‬ ‫ﺗﺘﺠﺴﺪ ﺑﺄﺑﻬﻰ اﻟﺤﻠﻞ إﻟﻰ ﻳﻮﻣﻨﺎ ﻫﺬا‪ .‬ﻓﻼ ﺗﻔﻮّ ﺗﻮا اﺧﺘﺒﺎر‬ ‫اﻟﻔﺮﻳﺪة‬ ‫ّ‬ ‫ﻫﺬه اﻟﺮاﺑﻄﺔ اﻟﻤﻤﻴّﺰ ﻋﺒﺮ زﻳﺎرة اﺳﻄﺒﻼت دﺑﻲ اﻟﺘﻲ ﺗﻘﻊ ﻋﻠﻰ ﺑُﻌﺪ‬ ‫‪ 25‬دﻗﻴﻘﺔ ﺑﺎﻟﺴﻴﺎرة ﻣﻦ وﺳﻂ ﻣﺪﻳﻨﺔ دﺑﻲ ﺑﺠﻮار ﺗﻘﺎﻃﻊ ﻃﺮﻳﻖ‬ ‫وﻫﻨﺎك‪ ،‬وﺑﻌﻴﺪً ا ﻋﻦ اﻟﺤﺸﻮد اﻟﺘﻲ ﺗﺮﺗﺎد ﻣﻮﻻت دﺑﻲ اﻟﻤﺰدﺣﻤﺔ‬ ‫ووﺟﻬﺎﺗﻬﺎ اﻟﺴﻴﺎﺣﻴﺔ ذاﺋﻌﺔ اﻟﺼﻴﺖ‪ ،‬ﺳﺘﺠﺪون اﻻﺳﻄﺒﻼت‬ ‫اﻟﻜﺎﺋﻨﺔ ﻓﻲ ﻣﺰرﻋﺔ اﻟﻈﺒﻲ وﺳﻂ ﺑُﻘﻌﺔ زراﻋﻴﺔ ﺗﻘﻠﻴﺪﻳﺔ‪ ،‬ﺣﻴﺚ‬ ‫ﺗﺮﻋﻰ اﻟﺨﻴﻮل ‪ -‬اﻟﺘﻲ ﻳﺪﻋﻮﻫﺎ اﻟﺒﺪو "ﺷﺎرﺑﻮ اﻟﺮﻳﺎح"‪ -‬إﻟﻰ ﺟﺎﻧﺐ‬ ‫اﻟﺠ‬ ‫ِ‬

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‫ﻓﻨﻮن وﺛﻘﺎﻓﺔ‬

‫أﻓﻼم وﺣﻔﻼت ﻻﻓﺘﺘﺎح ﺻﺎﻻت ﻋﺮض وﻓﻌﺎﻟﻴﺎت ﻣﻮﺳﻴﻘﻴﺔ وﻏﻴﺮﻫﺎ‬ ‫ﻣﻦ إﺑﺪاﻋﺎت اﻟﻤﻮاﻫﺐ اﻟﻤﺤﻠﻴﺔ اﻟﺼﺎﻋﺪة‪ .‬وﻳُﻘﺎم اﻟﻤﻬﺮﺟﺎن ﻓﻲ‬ ‫اﻟﺴﺮﻛﺎل أﻓﻴﻨﻴﻮ ﻓﻲ ﻣﻨﻄﻘﺔ اﻟﻘﻮز اﻟﺘﻲ ُﺗﻌﺮف ﺑﻜﻮﻧﻬﺎ ﻣﺤﻮرًا‬ ‫ﻟﻠﻔﻨﻮن ﺑﺤﻜﻢ اﺣﺘﻀﺎﻧﻬﺎ اﻟﻌﺪﻳﺪ ﻣﻦ اﻟﻤﻌﺎرض واﻟﻤﺒﺎدرات‬ ‫اﻟﺜﻘﺎﻓﻴﺔاﻟﻤﺤﻠﻴﺔ‪.‬‬ ‫وﺗﻬﻴﻤﻦ اﻟﻔﻌﺎﻟﻴﺔ ﻋﻠﻰ ﺣﻲ اﻟﻘﻮز اﻟﻔﻨﻲ ﺑﻜﻞ ﻣﻌﻨﻰ اﻟﻜﻠﻤﺔ‪ ،‬إذ‬ ‫ً‬ ‫ﻧﺎﺑﻌﺎ ﻣﻦ ﺻﻤﻴﻢ اﻟﻤﺠﺘﻤﻊ اﻟﻤﺤﻠﻲ ﻛﻲ‬ ‫ﺗﻀﻢ أﻛﺜﺮ ﻣﻦ ‪40‬‬ ‫ﻋﺮﺿﺎ ً‬ ‫ﺗﺮوي ﻇﻤﺄ اﻟﻌﺎﺋﻼت وﻋﺸﺎق اﻟﻔﻦ وﻣﺤﺒّﻲ ا®ﻓﻼم واﻟﻤﻮﺳﻴﻘﻰ‪.‬‬ ‫وﻳﻘﺎم اﻟﻤﻬﺮﺟﺎن‪ -‬اﻟﻬﺎدف إﻟﻰ دﻋﻢ اﻟﻤﻮاﻫﺐ اﻟﻤﺤﻠﻴﺔ‪ -‬ﻣﻦ‬ ‫ﻳﻮﻣﻲ ‪ 22‬و‪ 23‬ﻳﻨﺎﻳﺮ ‪ .2017‬ﻛﻮﻧﻮا ﻋﻠﻰ‬ ‫اﻟﺴﺎﻋﺔ ‪ 10‬ﺻﺒﺎﺣ‪ á‬ﺣﺘﻰ ‪10‬‬ ‫ﻣﺴﺎء َ‬ ‫ً‬ ‫اﻟﻤﻮﻋﺪ وﻟﻦ ﺗﻨﺪﻣﻮا!‬

‫أول ﻣﻬﺮﺟﺎن ﻓﻨﻲ ﻓﻲ اﻟﻔﺠﻴﺮة‬ ‫ّ‬ ‫ﺷﻬﺪ ﺷﻬﺮ ﻓﺒﺮاﻳﺮ ‪ 2016‬إﻃﻼق أوّ ل دورة ﻣﻦ ﻣﻬﺮﺟﺎن اﻟﻔﺠﻴﺮة‬ ‫اﻟﺪوﻟﻲ ﻟﻠﻔﻨﻮن ﻓﻲ ﺷﻬﺮ ﻓﺒﺮاﻳﺮ‪ ،‬وذﻟﻚ ﺑﻤﺒﺎدرة ﻣﻦ ﻫﻴﺌﺔ اﻟﻔﺠﻴﺮة‬ ‫ﺗﺮﺣﺐ ﻫﺬه اﻟﻤﻨﺼﺔ اﻟﻔﻨﻴﺔ ﺑﻔﻨﺎﻧﻴﻦ ﻣﻦ‬ ‫ﻟﻠﺜﻘﺎﻓﺔ وا´ﻋﻼم؛ ﺣﻴﺚ ّ‬ ‫ﺟﻤﻴﻊ أﺻﻘﺎع ا®رض‪ ،‬وﺗﺼﺒﻮ إﻟﻰ ﺗﻌﺮﻳﻒ اﻟﻌﺎﻟﻢ ﻋﻠﻰ اﻟﺜﻘﺎﻓﺔ‬ ‫ا´ﻣﺎراﺗﻴﺔ اﻟﻌﺮﺑﻴﺔ ﻓﻲ ﺑﺎﻗﺔ ﻣﻦ اﻟﻤﺠﺎﻻت اﻟﻔ ّﻨﻴﺔ‪.‬‬ ‫وﻗﺪ ﺷﺎرﻛﺖ ﻓﻲ اﻟﻤﻬﺮﺟﺎن ِﻓﺮق ﻓﻨﻴﺔ ﻣﻦ ‪ 55‬ﺑﻠﺪً ا ﻟﺘﺆدّ ي أروع‬ ‫اﻟﻌﺮوض ﻓﻲ ﻣﺠﺎل اﻟﻤﻮﺳﻴﻘﻰ واﻟﻔﻨﻮن اﻻﺳﺘﻌﺮاﺿﻴﺔ واﻟﻤﺴﺮح‬ ‫واﻟﻔﻦ اﻟﺘﻘﻠﻴﺪي وﻣﻬﺮﺟﺎﻧﺎت اﻟﺸﻮارع؛ إذ ُﺗﻘﺎم ﻓﻌﺎﻟﻴﺎت‬ ‫اﻟﻤﻬﺮﺟﺎن ﻓﻲ ﻣﻮاﻗﻊ ﻣﺨﺘﻠﻔﺔ ﻓﻲ أﻧﺤﺎء ا´ﻣﺎرة‪ ،‬ﺑﻤﺎ ﻓﻲ ذﻟﻚ‬ ‫ﻛﻮرﻧﻴﺶ اﻟﻔﺠﻴﺮة وﻗﻠﻌﺔ اﻟﻔﺠﻴﺮة واﻟﻘﺮﻳﺔ اﻟﺘﺮاﺛﻴﺔ ﻓﻲ دﺑﺎ‬ ‫وﻣﺴﺎﻓﻲ واﻟﻄﻮﻳﻴﻦ واﻟﺒﺪﻳﺔ‪ .‬ﻓﺈذا ﻛﻨﺘﻢ ﻣﻦ ﻣﺤﺒّﻲ اﻟﻔﻌﺎﻟﻴﺎت‬ ‫اﻟﻔﻨﻴﺔ واﻟﺜﻘﺎﻓﻴﺔ اﻟﻤﻼﺋﻤﺔ ﻟﻜﺎﻓﺔ أﻓﺮاد اﻟﻌﺎﺋﻠﺔ‪ ،‬ﻻ ﺗﻔﻮّ ﺗﻮا ﺣﻀﻮر‬ ‫ﻫﺬا اﻟﻤﻬﺮﺟﺎن اﻟﻤﻤﻴّﺰ ﻓﻲ ﻫﺬا اﻟﻌﺎم‪.‬‬ ‫أﻣﺎ ﺷﻬﺮ ﻣﺎرس‪ ،‬ﻓﺴﻴﺸﻬﺪ اﻧﻄﻼق ﺑﻴﻨﺎﻟﻲ اﻟﺸﺎرﻗﺔ اﻟﺸﻬﻴﺮ‬ ‫اﻟﺬي ّ‬ ‫ﻳﻤﺜﻞ واﺣﺪة ﻣﻦ أﺑﺮز اﻟﻔﻌﺎﻟﻴﺎت اﻟﻔﻨﻴﺔ ﻓﻲ اﻟﻤﻨﻄﻘﺔ‪ ،‬ﺣﻴﺚ‬ ‫ﻛﺎن ﻗﺪ اﻧﻄﻠﻖ ﻓﻲ اﻟﻌﺎم ‪ 1993‬ﺑﺮﻋﺎﻳﺔ ﺻﺎﺣﺐ اﻟﺴﻤﻮ اﻟﺸﻴﺦ‬ ‫اﻟﺪﻛﺘﻮر ﺳﻠﻄﺎن ﺑﻦ ﻣﺤﻤﺪ اﻟﻘﺎﺳﻤﻲ‪ ،‬ﻋﻀﻮ اﻟﻤﺠﻠﺲ ا®ﻋﻠﻰ‬ ‫ﺣﺎﻛﻢ اﻟﺸﺎرﻗﺔ‪ ،‬وﺑﺘﻨﻈﻴﻢ ﻣﻦ ﻣﺆﺳﺴﺔ اﻟﺸﺎرﻗﺔ ﻟﻠﻔﻨﻮن‪.‬‬

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‫وﻗﺪ اﺷﺘﻤﻠﺖ اﻟﺪورات اﻟﺴﺎﺑﻘﺔ ﻣﻦ ﺑﻴﻨﺎﻟﻲ اﻟﺸﺎرﻗﺔ ﻋﻠﻰ أﻋﻤﺎل‬ ‫ِﺳﺎ ﺛﻘﺎﻓﻴًﺎ ﻣﻦ ‪ 25‬ﺑﻠﺪً ا‪ ،‬وﻫﺎ ﻫﻮ اﻟﻴﻮم ﻗﺪ‬ ‫أﻛﺜﺮ ﻣﻦ ‪ 50‬ﻓﻨﺎ ًﻧﺎ وﻣﻤﺎر ً‬ ‫ً‬ ‫ﻣﻨﺼﺔ ﻟﻠﻔﻨﺎﻧﻴﻦ اﻟﻘﺎدﻣﻴﻦ ﻣﻦ اﻟﻤﻨﻄﻘﺔ واﻟﻌﺎﻟﻢ‪ ،‬وأﻓﻀﻰ‬ ‫أﺻﺒﺢ‬ ‫ﻋﺎﻣﺔ رﻓﻴﻌﺔ اﻟﻤﺴﺘﻮى‪ .‬إذ‪â‬‬ ‫ﺗﺮﻛﻴﺒﻴﺔ‬ ‫وأﻋﻤﺎل‬ ‫أداء‬ ‫ﻋﺮوض‬ ‫إﻧﺘﺎج‬ ‫إﻟﻰ‬ ‫ّ‬ ‫أﻧﺘﻢ ﻋﻠﻰ ﻣﻮﻋﺪ ﻣﻊ ﺑﺎﻗﺔ ﻣﻦ أروع اﻟﻔﻌﺎﻟﻴﺎت وا®ﻧﺸﻄﺔ ﻓﻲ‬ ‫أﻣﺎﻛﻦ ﻣﺨﺘﻠﻔﺔ ﻣﻦ ا´ﻣﺎرة ﺧﻼل ﻣﺎرس‪.‬‬ ‫ﻋﺎﺷﻖ وﻟﻬﺎن ﻟﻠﻔﻨﻮن ﻳﻘﻮى ﻋﻠﻰ ﺗﻔﻮﻳﺖ ﻓﺮﺻﺔ‬ ‫وﺑﺎﻟﻄﺒﻊ ﻣﺎ ﻣﻦ‬ ‫ٍ‬ ‫زﻳﺎرة "آرت دﺑﻲ" اﻟﻤﻨﻌﻘﺪ ﻓﻲ ﻣﺪﻳﻨﺔ ﺟﻤﻴﺮا وﺣﻲ دﺑﻲ ﻟﻠﺘﺼﻤﻴﻢ؛‬ ‫إذ ﻳُﻘﺎم "آرت دﺑﻲ" ﻣﻨﺬ ﻋﺸﺮ ﺳﻨﻮات ﻓﻲ ﺷﻬﺮ ﻣﺎرس ﻣﻦ ﻛﻞ‬ ‫ﻋﺎم ﻟﻴﺤﺘﻔﻲ ﺑﺎﻟﺘﻨﻮّ ع اﻟﻔﻨﻲ اﻟﻌﺎﻟﻤﻲ‪ .‬وﻛﺎن ﻗﺪ اﺳﺘﻘﻄﺐ ﻓﻲ‬ ‫ﻣﻮﺳﻤﻪ ا®ﺧﻴﺮ ‪ 27516‬زاﺋﺮًا‪ ،‬ﻣﻦ ﺑﻴﻨﻬﻢ زوّ ار ﻗﺎدﻣﻮن ﻣﻦ ‪95‬‬ ‫ً‬ ‫ﻣﺘﺤﻔﺎ‪ ،‬وﻗﻴّﻤﻮن وﻣﺆﺳﺴﺎت ﻣﺮﻣﻮﻗﺔ ﺗﺸﻤﻞ ﻣﺮﻛﺰ ﺑﻮﻣﺒﻴﺪو‪،‬‬ ‫وﻣﺘﺤﻒ اﻟﻔﻦ اﻟﺤﺪﻳﺚ ﻓﻲ ﻧﻴﻮﻳﻮرك‪ ،‬وﻣﺆﺳﺴﺔ ﺳﻮﻟﻮﻣﻮن آر‬ ‫ﺟﻮﺟﻨﻬﺎﻳﻢ‪ ،‬وﻣﺘﺤﻒ ﻣﻘﺎﻃﻌﺔ ﻟﻮس أﻧﺠﻠﻮس ﻟﻠﻔﻨﻮن‪،‬‬ ‫واﻟﻤﺘﺤﻒ اﻟﺒﺮﻳﻄﺎﻧﻲ‪ ،‬وﻣﺘﺤﻒ ﻣﺘﺮوﺑﻮﻟﻴﺘﺎن‪ ،‬وﻣﺘﺤﻒ اﻟﻔﻦ‬ ‫اﻟﻤﻌﺎﺻﺮ ﻓﻲ ﺷﻴﻜﺎﻏﻮ‪ ،‬ﻓﻀ ًﻠﺎ ﻋﻦ اﻟﻌﺪﻳﺪ ﻣﻦ اﻟﻤﺘﺎﺣﻒ اﻟﺨﺎﺻﺔ‪.‬‬ ‫ّ‬ ‫ﺗﻮﻗﻌﻮا ﻫﺬا اﻟﻤﻮﺳﻢ ﻣﺸﺎرﻛﺔ ﻛﻮﻛﺒﺔ ﻣﺒﻬﺮة ﻣﻦ اﻟﺨﺒﺮاء ﺑﻤﻦ‬ ‫ﻓﻴﻬﻢ ﻓﻨﺎﻧﻴﻦ وﻗﻴّﻤﻴﻦ وﻣﻮﺳﻴﻘﻴّﻴﻦ وﺧﺒﺮاء اﺳﺘﺮاﺗﻴﺠﻴﻴﻦ‬ ‫ّ‬ ‫وﻣﻔﻜﺮﻳﻦ وﻛ ّﺘﺎب ﻓﻲ اﻟﻔﻌﺎﻟﻴﺔ اﻟﻤﻨﻌﻘﺪة ﺑﻴﻦ ‪ 5‬و‪ 18‬ﻣﺎرس ‪.2017‬‬ ‫ّ‬ ‫ﺗﻔﻀﻠﻮا ﺑﺰﻳﺎرة ﻣﻌﺮض ﺳﻜﺔ اﻟﻔﻨﻲ‬ ‫وإذا ﻟﻢ ﺗﻜﺘﻔﻮا ﺑﻬﺬا اﻟﻘﺪر‪،‬‬ ‫اﻟﻤﻤﻴّﺰ‪ ،‬واﻟﺬي ﻳﻌﺘﺒﺮ أول ﺑﺮﻧﺎﻣﺞ ﻓﻨﻮن اﺳﺘﻌﺮاﺿﻴﺔ وﺑﺼﺮﻳﺔ ﻳﻨﻌﻘﺪ‬ ‫ﻣﺤﺪد ﻓﻲ اﻟﺸﺮق ا®وﺳﻂ‪ ،‬وﻳُﻘﺎم ﻓﻲ ﺳﻜﻚ ﺣﻲ‬ ‫وﻓﻖ ﺗﻜﻠﻴﻒ‬ ‫ّ‬ ‫اﻟﻔﻬﻴﺪي اﻟﺘﺎرﻳﺨﻲ )اﻟﺘﻲ ﻳﺴﺘﻤﺪ اﺳﻤﻪ ﻣﻨﻬﺎ(‪ ،‬ﻛﻤﺎ ﻳﺸﻤﻞ‬ ‫ً‬ ‫وﻋﺮوﺿﺎ ﺣﻴﺔ وﻋﺮوض أﻓﻼم‪.‬‬ ‫ﻣﻌﺎرض ﻓﺮﻳﺪة‬ ‫ﻳﻮﻣﺎ‪ -‬ﻗﺪ اﻧﻄﻠﻖ ﻟﻠﻤﺮة ا®وﻟﻰ‬ ‫وﻛﺎن ﻫﺬا اﻟﺒﺮﻧﺎﻣﺞ‪-‬‬ ‫ّ‬ ‫اﻟﻤﻤﺘﺪ ﻋﻠﻰ ‪ً 11‬‬ ‫ّ‬ ‫وﺗﻨﻈﻤﻪ ﻫﻴﺌﺔ دﺑﻲ ﻟﻠﺜﻘﺎﻓﺔ واﻟﻔﻨﻮن ﻓﻲ ﺷﻬﺮ ﻣﺎرس‬ ‫ﻋﺎم ‪،2010‬‬ ‫ﺳﻨﻮﻳًﺎ‪ .‬وإن ﻛﻨﺘﻢ ﺗﺮﻏﺒﻮن ﺑﺎﻻﻧﺨﺮاط ﻓﻲ اﻟﺘﻌﺒﻴﺮ اﻟﻔﻨﻲ ﺑﺄﻧﻔﺴﻜﻢ‪،‬‬ ‫ﻓﺎﻟﻔﺮﺻﺔ ﺳﺎﻧﺤﺔ أﻣﺎﻣﻜﻢ ﻟﻼﺧﺘﻴﺎر ﻣﻦ ﺑﻴﻦ ﻣﺠﻤﻮﻋﺔ ﻛﺒﻴﺮة ﻣﻦ‬ ‫ورش اﻟﻌﻤﻞ اﻟﺘﻲ ﺗﺸﻤﻞ ﻓﻦ اﻟﻄﺒﺎﻋﺔ اﻟﻌﺮﺑﻴﺔ أو رﺳﻢ اﻟﺒﻮرﺗﺮﻳﻪ أو‬ ‫ﺻﻨﻊ اﻟﺪﻣﻰ‪.‬‬

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‫ﻓﻨﻮن وﺛﻘﺎﻓﺔ‬

‫ّ‬ ‫ّ‬ ‫اﻟﻔﻦ‬ ‫اﻟﻔﻦ إﻟﻰ‬ ‫ﻣﻦ‬

‫ً ا إﻗﻠﻴﻤ ًﻴﺎ ﻟﻠﻔﻨﻮن ﻣﻊ ﻣﺎ‬

‫ﺗﺘﻨﺎﻣﻰ‬

‫ﻣﻜﺎﻧﺔ دوﻟﺔ ا´ﻣﺎرات ﻓﻲ اﻟﻤﺸﻬﺪ‬ ‫اﻟﺸﺮق‬ ‫اﻟﻔﻨﻲ ﻋﻠﻰ ﻣﺴﺘﻮى‬ ‫ا®وﺳﻂ ﺑﻔﻀﻞ اﻟﺠﻬﻮد اﻟﺤﺜﻴﺜﺔ‬ ‫اﻟﻤﺒﺬوﻟﺔ ﻣﻦ ﻗﺒﻞ اﻟﺤﻜﻮﻣﺔ اﻟﺘﻲ‬ ‫ﺗﻘﺪر اﻟﻔﻦ ﻛﻞ اﻟﺘﻘﺪﻳﺮ؛ إذ ﻻ ﺗﺨﺘﺰل‬ ‫ّ‬ ‫ﺟﻬﺪً ا ﻟﻼﺳﺘﺜﻤﺎر ﻓﻲ اﻟﻤﺸﺎرﻳﻊ اﻟﻔﻨﻴﺔ وﺗﺄﻳﻴﺪﻫﺎ ودﻋﻤﻬﺎ ﺑﻜﻞ‬ ‫اﻟﻮﺳﺎﺋﻞ اﻟﻤﺘﺎﺣﺔ‪ .‬وﺑﺎﻟﺘﺎﻟﻲ ﺳﻴﻘﻊ اﻟﺰوار واﻟﺴﻜﺎن ﻓﻲ ﺣﻴﺮةٍ ﻣﻦ‬ ‫أﻣﺮﻫﻢ ﻧﻈﺮًا ﻟﻠﺨﻴﺎرات اﻟﻜﺜﻴﺮة اﻟﻤﺘﺎﺣﺔ أﻣﺎﻣﻬﻢ ﻟﺤﻀﻮر‬ ‫ﻳﻤﺘﺪ‬ ‫اﻟﻤﻌﺎرض واﻻﻧﺨﺮاط ﻓﻲ اﻟﻤﺸﻬﺪ اﻟﻔﻨﻲ وا´ﺑﺪاﻋﻲ‪ ،‬إذ‬ ‫ّ‬ ‫اﻟﻤﻮﺳﻢ اﻟﻔﻨﻲ ﻣﻦ ﺷﻬﺮ ﻧﻮﻓﻤﺒﺮ ﺣﺘﻰ ﻣﺎرس ﺑﺸﻜﻞ ﺳﻨﻮي‬ ‫ً‬ ‫ﺷﺎﻣ ً‬ ‫ﺑﺎﻗﺔ ﻣﻦ اﻟﻤﻬﺮﺟﺎﻧﺎت اﻟﻤﻤﻴﺰة ﻋﻠﻰ ﻏﺮار ﻣﻬﺮﺟﺎن‬ ‫ﻼ‬ ‫"اﻟﻔﺠﻴﺮة اﻟﺪوﻟﻲ ﻟﻠﻔﻨﻮن" و"ﺑﻴﻨﺎﻟﻲ اﻟﺸﺎرﻗﺔ" و"آرت دﺑﻲ"‬ ‫ﻣﻌﺎ‬ ‫وﻣﻌﺮض "ﻓﻦ أﺑﻮﻇﺒﻲ"‪ .‬وﻓﻲ ﻫﺬه اﻟﺴﻄﻮر‪ ،‬ﻧﺴﺘﻜﺸﻒ ً‬ ‫أﻫﻢ اﻟﻔﻌﺎﻟﻴﺎت اﻟﻔﻨﻴﺔ اﻟﺘﻲ ﺗﺤﺘﻀﻨﻬﺎ دوﻟﺔ ا´ﻣﺎرات ﻫﺬا‬ ‫اﻟﻤﻮﺳﻢ‪.‬‬

‫ﺗﻨﻮ ٌع ّ‬ ‫ﻗﻞ ﻧﻈﻴﺮه‬ ‫ﻣﻌﺮض "ﻓﻦ أﺑﻮﻇﺒﻲ"‪ّ ،‬‬

‫أﺗﻴﺤﺖ اﻟﻔﺮﺻﺔ ﻟﻤﺸﺎﻫﺪة أﻋﻤﺎل راﺋﻌﺔ أﺑﺪﻋﺘﻬﺎ أﻧﺎﻣﻞ ﻓ ّﻨﺎﻧﻴﻦ‬ ‫ﻣﻦ ﺷ ّﺘﻰ أﻧﺤﺎء اﻟﻤﻌﻤﻮرة ﺧﻼل ﻣﻌﺮض "ﻓﻦ أﺑﻮﻇﺒﻲ" اﻟﺬي‬ ‫أﻗﻴﻢ ﺑﻴﻦ ‪ 16‬و‪ 19‬ﻧﻮﻓﻤﺒﺮ ‪٢٠١٦‬؛ ﺣﻴﺚ ّ‬ ‫َ‬ ‫اﻟﻤﻌﺮض اﻟﺴﻨﻮي‬ ‫ﺗﻨﻈﻢ ﻫﺬا‬ ‫ُ‬ ‫ﻫﻴﺌﺔ أﺑﻮﻇﺒﻲ ﻟﻠﺴﻴﺎﺣﺔ واﻟﺜﻘﺎﻓﺔ اﻟﺘﻲ ﺗﺤﺮص ﻋﻠﻰ ﺗﻘﺪﻳﻢ‬ ‫ﺑﺮاﻣﺞ ﻓﻨﻴﺔ ﻣﺘﻨﻮﻋﺔ ﻣﻊ ﺳﻠﺴﻠﺔ ﻣﻦ اﻟﻌﺮوض اﻟﺸﻴّﻘﺔ وﺣﻠﻘﺎت‬

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‫اﻟﻨﻘﺎش واﻟﻌﺮوض اﻟﺘﻮﺿﻴﺤﻴﺔ وورش اﻟﻌﻤﻞ وا®ﻋﻤﺎل اﻟﺘﺮﻛﻴﺒﻴﺔ‬ ‫اﻟﻤﺬﻫﻠﺔ‪.‬‬ ‫وﻛﺎﻧﺖ دورة ﻋﺎم ‪ 2015‬ﻣﻦ اﻟﻤﻌﺮض ﻗﺪ اﺟﺘﺬﺑﺖ ﻣﺸﺎرﻛﺔ‬ ‫ﻛﻮﻛﺒﺔ ﻣﻦ أﻟﻤﻊ ا®ﺳﻤﺎء ﻓﻲ ﻋﺎﻟﻢ اﻟﻔﻦ وﺷﻬﺪت ﻋﺮض أﻋﻤﺎل‬ ‫ﺗﺮﻛﻴﺒﻴﺔ راﺋﻌﺔ ﻣﻦ ﺻﺎﻻت ﻋﺮض ﻣﺮﻣﻮﻗﺔ ﻓﻲ أوروﺑﺎ وآﺳﻴﺎ‬ ‫وأﻣﻴﺮﻛﺎ اﻟﺸﻤﺎﻟﻴﺔ واﻟﺸﺮق ا®وﺳﻂ‪ ،‬ﺣﻴﺚ ﺟﺮى اﺳﺘﻌﺮاض أﻋﻤﺎل‬ ‫اﺳﺘﺜﻨﺎﺋﻴﺔ ﻟﻔﻨﺎﻧﻴﻦ ﻧﺎﺷﺌﻴﻦ إﻟﻰ ﺟﺎﻧﺐ ﻗﻄﻊ ﺷﻬﻴﺮة ذاع ﺻﻴﺘﻬﺎ‬ ‫أﻫﻢ اﻟﻔﻨﺎﻧﻴﻦ ﺣﻮل اﻟﻌﺎﻟﻢ‪.‬‬ ‫ﻛـ"اﻟﻨﺎر ﻓﻲ اﻟﻬﺸﻴﻢ" ﻣﻦ إﺑﺪاﻋﺎت‬ ‫ّ‬ ‫ُ‬ ‫ً‬ ‫َ‬ ‫ﺑﺮﻧﺎﻣﺞ "دروب اﻟﻄﻮاﻳﺎ"‬ ‫اﻟﻤﻌﺮض‬ ‫ﺿﻢ‬ ‫ﻋﻼوة ﻋﻠﻰ ذﻟﻚ ﻓﻘﺪ‬ ‫ّ‬ ‫ﺑﺈﺷﺮاف ﻃﺎرق أﺑﻮ اﻟﻔﺘﻮح‪ ،‬واﻟﺬي اﺣﺘﻔﻰ ﺑﺎﻟﻔﻦ ﻋﺒﺮ ﻋﺮوض ﺣﻴﺔ‬ ‫ّ‬ ‫ﻣﺘﻨﻘﻠﺔ ﺳﺎﺣﺮة‪ .‬ﻫﺬا واﺳﺘﻀﺎف‬ ‫ﺗﺨﻄﻒ ا®ﻧﻈﺎر وأﻋﻤﺎل ﺗﺮﻛﻴﺒﻴﺔ‬ ‫ً‬ ‫ُ‬ ‫ﺑﻌﻀﺎ ﻣﻦ أﺑﺮز ا®ﺳﻤﺎء ﻋﻠﻰ ﻏﺮار رﻳﺘﺸﺎرد أرﻣﺴﺘﺮوﻧﻎ‬ ‫اﻟﻤﻌﺮض‬ ‫ﻣﻦ ﻣﺆﺳﺴﺔ ﺳﻮﻟﻮﻣﻮن آر ﺟﻮﺟﻨﻬﺎﻳﻢ‪ ،‬وﻧﻴﻞ ﻣﺎﻛﺠﺮﻳﺠﻮر ﻣﻦ‬ ‫اﻟﻤﺘﺤﻒ اﻟﺒﺮﻳﻄﺎﻧﻲ‪ ،‬واﻟﻔﻴﻠﺴﻮف ﺑﻴﺘﺮ ﺳﻠﻮﺗﺮدﻳﺠﻚ‪ .‬وﻳﺸﺎر إﻟﻰ أن‬ ‫"ﻓﻦ أﺑﻮﻇﺒﻲ" ﻳُﻘﺎم ﻓﻲ ﻣﻨﺎرة اﻟﺴﻌﺪﻳﺎت ﺑﺎﻟﻤﻨﻄﻘﺔ اﻟﺜﻘﺎﻓﻴﺔ‬ ‫ﻓﻲ اﻟﺴﻌﺪﻳﺎت‪ ،‬وﻫﻮ ﻓﻌﺎﻟﻴﺔ ﻳﻨﺘﻈﺮﻫﺎ ﻣﺤﺒّﻮ اﻟﻔﻦ ﻓﻲ اﻟﺒﻼد‬ ‫ﻋﻠﻰ أﺣﺮّ ﻣﻦ اﻟﺠﻤﺮ‪.‬‬

‫ﻓﻦ ﻧﺎﺑﻊ ﻣﻦ ﺻﻤﻴﻢ اﻟﻤﺠﺘﻤﻊ‬

‫ﻣﺎ إن ُﺗﺨﺘ َﺘﻢ ﻓﻌﺎﻟﻴﺎت "ﻓﻦ أﺑﻮﻇﺒﻲ" ﺣﺘﻰ ﺗﻨﻄﻠﻖ أوّ ل ﻓﻌﺎﻟﻴﺔ ﻣﻦ‬ ‫ﻧﻮﻋﻬﺎ ﻓﻲ ا´ﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‪ ،‬أﻻ وﻫﻲ ﻣﻬﺮﺟﺎن اﻟﻘﻮز‬ ‫ﻳﻌﺪ أول ﻣﻬﺮﺟﺎن ﻟﻔﻨﻮن اﻟﻤﺠﺘﻤﻊ اﻟﺤﺮة ﻓﻲ دوﻟﺔ‬ ‫اﻟﻔﻨﻲ‪ ،‬واﻟﺬي‬ ‫ّ‬ ‫ً‬ ‫ﻋﺮوﺿﺎ ﻓﻨﻴﺔ ﺣﻴﺔ وﺟﺪارﻳﺎت وورش ﻋﻤﻞ وﻋﺮوض‬ ‫ا´ﻣﺎرات‪ ،‬وﻳﺸﻤﻞ‬

‫‪www.EmiratesReview.ae‬‬

‫رﻓﺎﻫﻴﺔ وﺳﻔﺮ‬

‫ﺣ ّﻠﻘﻮا ﺑﺄﻋﻤﺎﻟﻜﻢ إﻟﻰ ﻗﻤﻢ ﺟﺪﻳﺪة‬ ‫ﺗﻘﺪم ﺑﺎﻗﺎت ﻣﻤ ّﻴ‬ ‫"ﺳﻲ وﻳﻨﺠﺰ" ّ‬

‫ﺗﺴﻌﻰ‬

‫ﻓﺮص ﺟﺪﻳﺪة‬ ‫دوﻣﺎ إﻟﻰ إﻳﺠﺎد‬ ‫اﻟﻤﺘﺤﺪة‬ ‫ٍ‬ ‫ً‬ ‫ﻟﻼرﺗﻘﺎء ﺑﺄﻋﻤﺎﻟﻬﺎ إﻟﻰ ﻣﺴﺘﻮﻳﺎت أﻛﺜﺮ ﺗﻄﻮرًا‬ ‫ﺗﻔﻮق ﻃﻤﻮﺣﺎت ﻋﻤﻼﺋﻬﺎ‪ ،‬ﻟﺬا ﺗﺤﺮص ﺷﺮﻛﺔ 'ﺳﻲ وﻳﻨﺠﺰ'‪ -‬اﻟﺘﻲ ﺗﺄﺳﺴﺖ‬ ‫ّ ﻖ إﻟﻰ ﻓﻀﺎءات ﺟﺪﻳﺪة ﻣﻦ‬

‫رﺣﻼت ﺟﻮﻳﺔ ﻣﺬﻫﻠﺔ ﻟﻤﺸﺎﻫﺪة أﺑﺮز اﻟﻤﻌﺎﻟﻢ‬ ‫اﻟﻌﺎم ‪ 2007‬ﻋﻠﻰ ﺗﻨﻈﻴﻢ‬ ‫ٍ‬ ‫اﻟﺴﻴﺎﺣﻴﺔ ﻓﻲ اﻟﺪوﻟﺔ‪ ،‬ﻋﻠﻰ ﻏﺮار أﺗﻼﻧﺘﺲ اﻟﻨﺨﻠﺔ وﺑﺮج اﻟﻌﺮب‪ .‬وﻫﺎ ﻫﻲ اﻟﻴﻮم‬ ‫ﺧﺼﻴﺼﺎ ﻟﻠﺸﺮﻛﺎت‪.‬‬ ‫ُﺗﺜﺮي ﻣﺤﻔﻈﺔ ﻋﺮوﺿﻬﺎ ﺑﺒﺎﻗﺎت ﺟﺪﻳﺪة ُﺻﻤﻤﺖ‬ ‫ً‬ ‫أﺳﺴﺖ‬ ‫وﻣﻦ أﺟﻞ "اﻟﺘﺤﻠﻴﻖ" ﺑﺄﻋﻤﺎﻟﻜﻢ إﻟﻰ آﻓﺎق ﺟﺪﻳﺪة‪ ،‬ﻓﻘﺪ ّ‬ ‫ﻣﺨﺘﺼ‬ ‫ﺴﻤﺎ‬ ‫ﺷﺮﻛﺔ 'ﺳﻲ وﻳﻨﺠﺰ' ﻗِ‬ ‫ًّ‬ ‫ً‬ ‫وﺗﻄﻠﻌﺎت ﺷﺮﻛﺘﻜﻢ ﻋﺒﺮ ﺗﻮﻓﻴﺮ ﺧﺪﻣﺎت ﻋﺪﻳﺪة ﻣﺜﻞ ﺗﻨﻈﻴﻢ اﻟﻔﻌﺎﻟﻴﺎت‬ ‫اﻟﻔﺮق‪ ،‬ﻓﻀ ًﻠﺎ ﻋﻦ ﺧﻄﻂ ﻣﻜﺎﻓﺂت‬ ‫اﻟﻤﺆﺳﺴﻴﺔ‪ ،‬وﺗﻘﺪﻳﻢ ﺑﺮاﻣﺞ إﻋﺪاد ِ‬ ‫اﻟﻤﻮﻇﻔﻴﻦ اﻟﻤﻤﻴّﺰة اﻟﺘﻲ ﺗﺸﻤﻞ اﻟﺮﺣﻼت اﻟﺠﻮﻳّﺔ اﻟﺸﻴّﻘﺔ ﻓﻲ ﺳﻤﺎء دوﻟﺔ‬ ‫'ﺳﻲ‬ ‫وﻳﻨﺠﺰ'‪ّ ،‬‬ ‫أن اﻟﺸﺮﻛﺔ أﻃﻠﻘﺖ ﺳﻠﺴﻠﺔ ﻣﻦ اﻟﺤﻠﻮل واﻟﺒﺮاﻣﺞ اﻟﻤﺆﺳﺴﻴﺔ‬ ‫اﻟﻔﺮﻳﺪة ﻫﺬا اﻟﻌﺎم ﻟﻜﻲ ﺗﻀﻤﻦ ﺗﺰوﻳﺪ اﻟﺸﺮﻛﺎت اﻟﺤﺮﻳﺼﺔ ﻋﻠﻰ اﻟﺘﻄﻮّ ر‬ ‫اﻟﺪاﺋﻢ ﺑﺄﻓﻜﺎر ﻣﺒﺘﻜﺮة وﻣﻤﻴّﺰة ﻟﺘﻨﻈﻴﻢ اﻟﻔﻌﺎﻟﻴﺎت وإﻋﺪاد ﺑﺮاﻣﺞ ﺑﻨﺎء‬ ‫اﻟﻔﺮق وﺑﺮاﻣﺞ ﻣﻜﺎﻓﺂت اﻟﻤﻮﻇﻔﻴﻦ‪ ،‬وﻏﻴﺮﻫﺎ اﻟﻜﺜﻴﺮ‪.‬‬ ‫ِ‬ ‫ﺛﻢ أردف ﻗﺎﺋ ًﻠﺎ‪" :‬أﺻﺒﺤﺖ 'ﺳﻲ وﻳﻨﺠﺰ' ﻣﺤﻄﺔ ﺧﺪﻣﺎت ﺷﺎﻣﻠﺔ‬ ‫ﻟﻠﺸﺮﻛﺎت اﻟﺘﻲ ﺗﻨﺸﺪ ﺣﻠﻮ ًﻟﺎ اﺳﺘﺜﻨﺎﺋﻴﺔ ُﺗﺮﻛﺰ ﻋﻠﻰ ﻗﺎﻋﺪة اﻟﻌﻤﻼء‬ ‫اﻟﻤﻘﺪﻣﺔ ﻟﻬﻢ‪ ،‬ﻓﻠﻬﺬه اﻟﺤﻠﻮل‬ ‫وإﺷﺮاﻛﻬﻢ اﻟﺪاﺋﻢ وﺗﻄﻮﻳﺮ اﻟﺨﺪﻣﺎت ُ‬ ‫أﺛﺮ ﻛﺒﻴﺮ ﻳﺘﺠﺎوز اﻟﻤﻨﻔﻌﺔ اﻟﺤﺘﻤﻴﺔ ﻟﻠﺸﺮﻛﺎت وﻋﻤﻼﺋﻬﺎ؛ إذ ﺗﺸﻤﻞ ﻓﻮاﺋﺪه‬ ‫اﻟﺪوﻟﺔ ﻛﻜﻞ‪ ،‬ﻓﻨﺠﺪ ﻓﻴﻪ ﺗﻌﺰﻳ ًﺰ‬ ‫ﻓﻀ ًﻠﺎ ﻋﻦ ﺗﺮﺳﻴﺦ ﻣﻜﺎﻧﺘﻬﺎ اﻻﺳﺘﺜﻤﺎرﻳﺔ وﺳﻤﻌﺘﻬﺎ ﻓﻲ أوﺳﺎط اﻟﺸﺮﻛﺎت‬ ‫ً‬ ‫ً‬ ‫َ‬ ‫ﻣﺒﺘﻜﺮة وﺟﺪﻳﺮة ﺑﺎﻟﺜﻘﺔ"‪.‬‬ ‫ﻋﺎﻟﻤﻴﺔ‬

‫‪www.EmiratesReview.ae‬‬

‫اﻟﺘﻲ ﺗﺸﻤﻞ ﻣﻤﺎرﺳﺔ ﻟﻌﺒﺔ اﻟﺠﻮﻟﻒ وﺗﻨﺎول أﺷﻬﻰ اﻟﻤﺄﻛﻮﻻت‪ ،‬ﻓﻀ ًﻠﺎ‬ ‫ّﻘﺔ‬ ‫ﻓﻲ اﻟﻨﺎدي اﻟﺼﺤﻲ ﻟﻤﻨﺘﺠﻊ 'ﺳﻴﻜﺲ ﺳﻨﺴﺰ زﻳﻐﻲ ﺑﺎي' ﻓﻲ ﺳﻠﻄﻨﺔ‬ ‫ﺑﺮًا إﻟﻰ اﻟﻤﻨﺘﺠﻊ واﻟﻌﻮدة ﻋﻠﻰ ﻣﺘﻦ اﻟﻄﺎﺋﺮة‬ ‫ﻋُ ﻤﺎن؛ إذ ﻳﻤﻜﻨﻜﻢ اﻟﺴﻔﺮ ّ‬ ‫اﻟﻤﺎﺋﻴﺔ إﻟﻰ دﺑﻲ ﺑﺄﺳﻌﺎر ﺗﺒﺪأ ﻣﻦ ‪ 4,700‬درﻫﻢ إﻣﺎراﺗﻲ‪ ،‬أو اﻟﺬﻫﺎب ﻓﻲ‬ ‫رﺣﻼت ﻣﺨﺼﺼﺔ ﻟﻤﻤﺎرﺳﺔ ﻟﻌﺒﺔ اﻟﺠﻮﻟﻒ ﻣﺜﻞ زﻳﺎرة ﻣﻠﻌﺐ ﻳﺎس ﻟﻴﻨﻜﺲ‬ ‫ﻟﻠﺠﻮﻟﻒ ﻓﻲ أﺑﻮﻇﺒﻲ ﺑﻌﺪ رﺣﻠﺔ ﺑﺎﻟﻄﺎﺋﺮة اﻟﻤﺎﺋﻴﺔ ﺗﻨﻄﻠﻖ ﻣﻦ دﺑﻲ إﻟﻰ‬ ‫ﺟﺰﻳﺮة ﻳﺎس ﻓﻲ أﺑﻮﻇﺒﻲ ﺣﻴﺚ ﻳﻨﺘﻈﺮﻛﻢ ﻫﺬا اﻟﻤﻠﻌﺐ ﺑﻤﺴﺎﺣﺘﻪ اﻟﻜﺒﻴﺮة‪،‬‬ ‫وذﻟﻚ ﻣﻘﺎﺑﻞ أﺳﻌﺎر ﺗﺒﺪأ ﻣﻦ ‪ 2,200‬درﻫﻢ إﻣﺎراﺗﻲ ﻟﻠﺸﺨﺺ اﻟﻮاﺣﺪ‪.‬‬ ‫"ﺻ ﱢﻤﻤﺖ ﺣﻠﻮل اﻟﺸﺮﻛﺎت ﻣﻦ‬ ‫وﻓﻲ ﻣﻌﺮض ﺣﺪﻳﺜﻪ‪ ،‬ﺗﺎﺑﻊ وﻳﻠﺮ ﻗﺎﺋ ًﻠﺎ‪ُ :‬‬ ‫'ﺳﻲ وﻳﻨﺠﺰ' ﺑﺎﻟﺘﻌﺎون ﻣﻊ ﻣﺰوّ دي ﺧﺪﻣﺎت ﻣﻮﺛﻮﻗﻴﻦ ﻟ ُﺘﻀﻔﻲ ﻣﺰﻳﺪً ا ﻣﻦ‬ ‫ﻧﺼﻤﻢ ﺟﻮﻻت‬ ‫اﻟﻤﺰاﻳﺎ إﻟﻰ ﺟﻮﻻت 'ﺳﻲ وﻳﻨﺠﺰ' اﻟﺠﻮﻳﺔ اﻟﻔﺮﻳﺪة؛ ﻓﻨﺤﻦ‬ ‫ّ‬ ‫ُﺗ‬ ‫ﺧﺪﻣﺔ اﻟﻌﻤﻼء وﺗﻮﻃﻴﺪ اﻟﻌﻼﻗﺎت ﻣﻌﻬﻢ ﻧﻈﺮًا ﻟﻜﻮﻧﻬﻢ وﻗﻮد ﻧﺠﺎح أي‬ ‫ٍ "‪.‬‬ ‫ّ أﺳﻄﻮل 'ﺳﻲ وﻳﻨﺠﺰ' ﻳﺘﺄﻟﻒ ﻣﻦ ﺛﻼث ﻃﺎﺋﺮات‬ ‫ﻣﻦ ﻃﺮاز ﺳﻴﺴﻨﺎ ‪ 208‬ﻛﺎراﻓﺎن ﻣﺎﺋﻴﺔ ُﺗﻘﻠﻊ ﻣﻦ ﻗﻮاﻋﺪﻫﺎ اﻟﻤﻨﺘﺸﺮة ﻓﻲ ﺟﻤﻴﻊ‬ ‫ﻋﻠﻤﺎ ّ‬ ‫ّ‬ ‫ﻣﺠﻬﺰة ﺑﻤﻘﺎﻋﺪ ﻣﺼﻨﻮﻋﺔ ﻣﻦ اﻟﺠﻠﺪ اﻟﻔﺎﺧﺮ‬ ‫أن اﻟﻄﺎﺋﺮات‬ ‫أﻧﺤﺎء دﺑﻲ‪،‬‬ ‫ً‬ ‫وﻧﻮاﻓﺬ ﻛﺒﻴﺮة ﻟﻜﻞ ﻣﻘﻌﺪ‪ ،‬وﻣﻘﺼﻮرة ﻣﻜﻴّﻔﺔ ﺗﻀﻤﻦ أﻗﺼﻰ ﻗﺪ ٍر ﻣﻦ‬ ‫اﻟﺮاﺣﺔ أﺛﻨﺎء اﻟﺘﻤ ّﺘﻊ ﺑﺎﻟﻤﺸﺎﻫﺪ اﻟﺠﻮﻳﺔ اﻟﺨ ّ‬ ‫ﻼ‬ ‫ﺿﻴﻮﻓﻬﺎ ﺑﺘﺠﺮﺑﺔ ﺟﺪﻳﺪة ﺑﺎﻟﻜﺎﻣﻞ ﻟﻼﺳﺘﻤﺘﺎع ﺑﻤﻨﺎﻇﺮ ﺑﺎﻧﻮراﻣﻴﺔ ﻟﻌﺪد ﻣﻦ‬ ‫ّ ﺎذة‪ .‬وﺗﺴﺎﻓﺮ اﻟﻄﺎﺋﺮات إﻟﻰ أﻛﺜﺮ ﻣﻦ ‪24‬‬ ‫ً ﺎ أن ُﺗﻌﺪ‬ ‫ﻗﺴﺎﺋﻢ ﻫﺪاﻳﺎ ُﺗﺴﺘﺨﺪم ﻓﻲ ﺑﺮاﻣﺞ ﺗﺤﻔﻴﺰ اﻟﻤﻮﻇﻔﻴﻦ وﺑﻨﺎء اﻟﻔﺮق‪.‬‬

‫| اﻟﻌﺪد ‪15‬‬

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‫اﻟﺼﺤﺔ واﻟﻠﻴﺎﻗﺔ‬

‫اﻧﻌﻤﻮا ﺑﺠﺴﻢ ﻧﻤﻮذﺟﻲ‬ ‫ﻻرﺗﻴﺎد اﻟﺸﺎﻃﺊ ﺑﻜﻞ ﺛﻘﺔ‬

‫ﻣﻤﺎ ﻳﺴ ّﺒﺐ ﻣﺸﻜﻠﺔ ﻣﺰﻋﺠﺔ‬ ‫ﻻ ﻳﺴﻠﻢ ﺑﻌﺾ اﻟﺬﻳﻦ ﻳ ّﺘﺒﻌﻮن ﺣﻤﻴﺔ ﻏﺬاﺋﻴﺔ ﻣﺘﻮازﻧﺔ ﻣﻦ اﻧﺘﻔﺎخ اﻟﺒﻄﻦ‪ّ ،‬‬ ‫ﺧﻼل ﻣﻮﺳﻢ ارﺗﻴﺎد اﻟﺸﺎﻃﺊ وأوﻗﺎﺗﻪ اﻟﻤﻤﺘﻌﺔ واﻟﺤﺎﻓﻠﺔ ﺑﺎﻟﻤﺮح واﻟﺘﺴﻠﻴﺔ‪.‬‬ ‫ﻓﻤﺎ اﻟﺤﻞ ﻟﻠﺘﺨ ّﻠﺺ ﻣﻦ اﻧﺘﻔﺎخ اﻟﺒﻄﻦ واﻟﺘﻤ ّﺘﻊ ﺑﺠﺴﻢ ﻣﻤﺸﻮق ﺗﺘﺒﺎﻫﻮن ﺑﻪ ﺑﻜﻞ ﺛﻘﺔ؟‬ ‫ﻣﻤﺎ ﻳﺴﻤﺢ ﺑﻨﻔﺎذ اﻟﺠﺰﻳﺌﺎت اﻟﻜﺒﻴﺮة ﻣﺜﻞ اﻟﻄﻌﺎم ﻏﻴﺮ‬ ‫اﻟﻬﻀﻤﻲ‪ّ ،‬‬ ‫اﻟﻤﻬﻀﻮم‪ .‬ﻓﻴﻨﺠﻢ ﻋﻦ ذﻟﻚ اﻟﺘﻬﺎب اﻟﺠﻬﺎز اﻟﻤﻌﺪي اﻟﻤﻌﻮي‪،‬‬ ‫وﻋﺪم اﻟﻘﺪرة ﻋﻠﻰ ﺗﻘﺒّﻞ اﻟﻐﺬاء واﺿﻄﺮاﺑﺎت ﻓﻲ اﻟﻤﻨﺎﻋﺔ اﻟﺬاﺗﻴﺔ‪،‬‬ ‫ﻣﻤﺎ ﻳﺘﺴﺒّﺐ ﺑﺎﻧﺘﻔﺎخ اﻟﺒﻄﻦ وزﻳﺎدة اﻟﻮزن وﻣﺸﺎﻛﻞ ﻫﻀﻤﻴﺔ‬ ‫ّ‬ ‫وﻣﺸﺎﻛﻞ ﻓﻲ اﻟﺒﺸﺮة"‪.‬‬ ‫وﺑﺤﺴﺐ ﺷﻮدري‪ّ ،‬‬ ‫ﻓﺈن اﻟﺤﺒﻮب اﻟﻤﻌﺎ َﻟ‬ ‫اﻟﻤﻌﺪﻟﺔ وراﺛﻴًﺎ واﻟﺨﻀﺎر ﻏﻴﺮ اﻟﻤﻮرّﻗﺔ وزﻳﻮت اﻟﺒﺬور اﻟﻤﻜﺮّ رة‬ ‫ّ‬ ‫ّ‬ ‫ّ‬ ‫ﺗﺸﻜﻞ ﻛ ّﻠﻬﺎ ﻋﻨﺎﺻﺮ ﺗﺤﻮل دون‬ ‫وﻣﺸﺘﻘﺎت اﻟﺤﻠﻴﺐ اﻟﺘﻘﻠﻴﺪﻳﺔ‬ ‫اﻟﺤﺼﻮل ﻋﻠﻰ اﻟﺘﻐﺬﻳﺔ اﻟﻤﻄﻠﻮﺑﺔ‪ ،‬إذ ﺗﻠﺘﺼﻖ ﺑﺎﻟﻐﺸﺎء اﻟﻬﻀﻤﻲ‬ ‫ّﺐ اﻻﻟﺘﻬﺎب‪.‬‬ ‫ﻓ ُﺘ‬ ‫ّ ‪ ،‬ﺑﻞ ﺗﺘﻔﺎﻗﻢ اﻟﻤﺸﻜﻠﺔ أﻛﺜﺮ‬ ‫ﺑﻔ‬ ‫ﻓﺄﻛﺜﺮ ِ‬ ‫اﻟﻐﺪة اﻟﺪرﻗﻴﺔ‪ ،‬وﺗﺆدي ﺑﺎﻟﺘﺎﻟﻲ إﻟﻰ اﺳﺘﻨﺰاف اﻟﻨﺒﻴﺚ اﻟﺠﺮﺛﻮﻣﻲ‬ ‫ّ‬ ‫اﻟﻤﻌﻮي اﻟﻤﻔﻴﺪ وﺗﺰاﻳُﺪ ﻣﺴﺎﻣﻴﺔ اﻟﻐﺸﺎء اﻟﻤﻌﻮي‪.‬‬

‫ﻻ‬

‫ُﺗﺠﺪي ﻣﻤﺎرﺳﺔ اﻟﺘﻤﺎرﻳﻦ اﻟﺮﻳﺎﺿﻴﺔ وا ّﺗﺒﺎع ﺣﻤﻴﺔ ﻏﺬاﺋﻴﺔ‬ ‫ﻧﻔﻌﺎ ﻓﻲ ﻣﻨﻊ اﻟﺸﻌﻮر ﺑﺎﻧﺘﻔﺎخ اﻟﺒﻄﻦ ﻟﺪى ﺑﻌﺾ‬ ‫ﺻﺤﻴﺔ‬ ‫ً‬ ‫ُﻌﺰى اﻟﺴﺒﺐ ﻓﻲ ذﻟﻚ إﻟﻰ ﺣﺴﺎﺳﻴﺔ‬

‫ﻗﻠﻴﻞ اﻟﺪﺳﻢ واﻟﺤﺒﻮب اﻟﻜﺎﻣﻠﺔ واﻟﻔﺎﻛﻬﺔ واﻟﺨﻀﺎر اﻟﻄﺎزﺟﺔ‬ ‫ﻏﻴﺮ اﻟﻤﻄﺒﻮﺧﺔ ﻟﻠﺤﻔﺎظ ﻋﻠﻰ ﺻﺤﺔ ﺳﻠﻴﻤﺔ وﻟﺨﺴﺎرة اﻟﻮزن‪ ،‬ﻓﻴﻤﺎ‬ ‫ﺑﺎﻟﻤﻘﺎﺑﻞ ﻳﻨﺼﺤﻨﺎ ﺑﻌﺾ ﺧﺒﺮاء اﻟﺘﻐﺬﻳﺔ ﺑﺘﺠ ّﻨ‬ ‫واﻻﺑﺘﻌﺎد ﻋﻨﻬﺎ ﻟﻠﺸﻌﻮر ﺑﺎﻻرﺗﻴﺎح‪.‬‬ ‫وﻓﻲ ﻫﺬا اﻟﺴﻴﺎق‪ ،‬ﺗﻘﻮل راﺷﻲ ﺷﻮدري‪ -‬أﺧﺼﺎﺋﻴﺔ اﻟﺘﻐﺬﻳﺔ‬ ‫ّ‬

‫ُﺴﻤ‬ ‫ّ ﺎﺳﺔ أو ﻣﺎ ﻳ ّ‬ ‫ً‬ ‫ﻃﻴﻔﺎ ﻣﻦ اﻟﻌﻮارض اﻟﻤﺰﻋﺠﺔ‪ ،‬ﻏﻴﺮ ّ‬ ‫أن‬ ‫ﻓﻲ اﻻرﺗﻔﺎع‪ ،‬وﻫﻲ ﺗﺴﺒّﺐ‬ ‫وﺗﺸﺮح ﺷﻮدري أﻛﺜﺮ ﻋﻦ ﻫﺬه اﻟﻤﺸﻜﻠﺔ ﻗﺎﺋﻠﺔ‪ُ " :‬ﺗﻌﺮف ﻫﺬه‬ ‫اﻟﺤﺎﻟﺔ أﻳﻀ ًﺎ‬

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‫| اﻟﻌﺪد ‪15‬‬

‫اﻟﺸﺎﺋﻌﺔ اﻟﺘﻲ ﺗﺜﻴﺮ ﺗﻬ ّﻴ‬ ‫ً ﺎ‪ ،‬وﺗﺴﺪي إﻟﻴﻨﺎ‬ ‫ﻣﺮاﻗﺒﺔ اﻟﺘﻐ ّﻴ‬ ‫ً‬ ‫ﻗﺎﺋﻠﺔ‪" :‬ﺗﻨﺎوﻟﻮا اﻟﻠﺤﻢ واﻟﺨﻀﺎر‪ ،‬وﻻﺳﻴﻤﺎ ﺗﻠﻚ اﻟﻐﻨﻴﺔ‬ ‫ﻫﺬه اﻟﻨﺼﻴﺤﺔ‬ ‫ﻋﻠﻤﺎ‬ ‫‪3‬‬ ‫ً‬

‫ّ‬ ‫أن‬ ‫ﺗﻜﻤﻠﻮا ﺣﻤﻴﺘﻜﻢ‬ ‫اﻟﻤﺨﺎﻃﻲ ﻟﻠﺠﻬﺎز اﻟﻬﻀﻤﻲ‪ ،‬ﻛﻤﺎ ﻳﺠﺐ أن‬ ‫ّ‬ ‫ﺑﺎﻟﻤﻌﻴﻨﺎت اﻟﺤﻴﻮﻳﺔ )اﻟﺒﺮوﺑﻴﻮﺗﻴﻚ( أو زﻳﺖ اﻟﺴﻤﻚ اﻟﻐﻨﻲ‬ ‫اﻟﻐﺬاﺋﻴﺔ ُ‬ ‫ﺑﻌﺪﻫﺎ ﻳﺠﺐ أن ﻳﻜﻮن ذﻟﻚ ﻣﺘﺒﻮﻋً‬ ‫ﻫﺬه اﻟﻌﻨﺎﺻﺮ ﻓﻲ ﺣﻤﻴﺘﻜﻢ اﻟﻐﺬاﺋﻴﺔ ﺑﻬﺪف ﻣﻼﺣﻈﺔ اﻟﺘﻐﻴّﺮات‬ ‫اﻟﺘﻲ ﻃﺮأت ﻋﻠﻰ ﻣﺴﺘﻮﻳﺎت اﻟﻄﺎﻗﺔ ووﻇﺎﺋﻒ اﻟﺠﻬﺎز اﻟﻬﻀﻤﻲ‬ ‫واﻟﺒﺸﺮة‪ .‬وﺗﻨﻮّ ه ﺷﻮدري إﻟﻰ ّ‬ ‫أن "ﻫﺬه اﻟﻤﺴﺄﻟﺔ ﻟﻴﺴﺖ ﺑﺎﻟﺴﻬﻠﺔ‬ ‫أﺑﺪً ا‪ ،‬ﻟﻜﻦ ﻋﻠﻴﻜﻢ ﻛﻞ أﺳﺒﻮع ﺗﻨﺎول أﺣﺪ اﻟﻤﺄﻛﻮﻻت اﻟﺘﻲ‬ ‫اﻣﺘﻨﻌﺘﻢ ﻋﻨﻬﺎ ﻟﻤﻌﺮﻓﺔ أﻳّﻬﺎ ﻳﻀﺮّ ﻛﻢ وأﻳّﻬﺎ ﻳﻨﻔﻌﻜﻢ‪ .‬وﻋﻨﺪ‬ ‫اﻟﺘﻮﺻﻞ إﻟﻰ اﻟﺤﻤﻴﺔ اﻟﻤﻼﺋﻤﺔ ﻟﺠﺴﻤﻜﻢ‪ ،‬ﻳﺠﺐ اﻻﻟﺘﺰام ﺑﻬﺎ‬ ‫ّ‬ ‫ﻟﻠﺘﻨﻌﻢ ﺑﺼﺤﺔ ﺟﻴّﺪة‪،‬‬ ‫وا ّﺗﺒﺎﻋﻬﺎ ﻛﺄﺳﻠﻮب ﺣﻴﺎة‪ .‬ﻻ ﺳﺒﻴﻞ آﺧﺮ‬ ‫ّ‬ ‫ّ‬ ‫ﻣﺆﻗ ًﺘﺎ ﻋﻠﻰ اﻟﻤﺪى اﻟﻘﺼﻴﺮ ﻻ‬ ‫ًﺎ‬ ‫ّ ﺒﺎع ﺣﻤﻴﺔ ﻏﺬاﺋﻴﺔ‬ ‫ﻣﺘﻮازﻧﺔ واﻟﺘﻨﺒّﻪ إﻟﻰ أﻧﻮاع اﻟﻤﺄﻛﻮﻻت اﻟﺘﻲ ﺗﺘﻨﺎوﻟﻮﻧﻬﺎ"‪.‬‬

‫‪www.EmiratesReview.ae‬‬

‫ﺷﺆون ﻗﺎﻧﻮﻳﻨﺔ‬ ‫إﻳﻘﺎف ﻗﺮار اﻟﺠﻤﻌﻴﺔ‬ ‫ً‬ ‫ﺑﻨﺎء ﻋﻠﻰ ﻃﻠﺐ ﻣﻦ ﻳﻤﻠﻚ‬ ‫ﻟﻠﺴﻠﻄﺔ‬ ‫ﻳﻌﻮد‬ ‫وﻓﻘﺎ ﻟﻠﻤﺎدة )‪،(191‬‬ ‫ً‬ ‫ﻧﺴﺒﺔ ﻻ ﺗﻘﻞ ﻋﻦ )‪%5‬‬ ‫ﻗﺮارات اﻟﺠﻤﻌﻴﺔ اﻟﺼﺎدرة إﺿﺮارًا ﺑﻬﻢ أو ﻟﺼﺎﻟﺢ ﻓﺌﺔ ﻣﻌﻴﻨﺔ ﻣﻦ‬ ‫ﻋﺪم اﻧﺘﺨﺎب اﻟﻤﺠﻠﺲ أو ﺗﻌﻴﻴﻦ اﻟﻤﺪﻗﻖ‬ ‫ﺗﺸﻴﺮ اﻟﻤﺎدة )‪ (192‬إﻟﻰ أﻧﻪ ﻓﻲ ﺣﺎل ﻟﻢ ﺗﺘﻤﻜﻦ اﻟﺠﻤﻌﻴﺔ ﻣﻦ‬ ‫اﺗﺨﺎذ ﻗﺮار ﻳﺘﻌﻠﻖ ﺑﺎﻧﺘﺨﺎب أﻋﻀﺎء اﻟﻤﺠﻠﺲ أو ﺗﻌﻴﻴﻦ اﻟﻤﺪﻗﻖ‪،‬‬ ‫ﻣﺆﻗﺖ وذﻟﻚ ﻟﻤﺪة ﻻ ﺗﺰﻳﺪ ﻋﻠﻰ ﺳﻨﺔ ﻣﺎﻟﻴﺔ‪ .‬وﻓﻲ ﺣﺎل ﺗﻜﺮر‬ ‫ّ‬ ‫ﺑﺤﻞ اﻟﺸﺮﻛﺔ‪.‬‬ ‫ذﻟﻚ‪ ،‬ﺗﺘﺨﺬ اﻟﺴﻠﻄﺔ ﻗﺮارًا‬ ‫ﻣﺪﻗﻘﻮ اﻟﺤﺴﺎﺑﺎت‬ ‫ﺗﻨﺺ اﻟﻤﻮاد )‪253 ،252 ،251 ،250 ،249 ،248 ،247 ،245 ،243‬‬ ‫و‪ (254‬ﻋﻠﻰ آﻟﻴﺔ ﺗﻌﻴﻴﻦ اﻟﻤﺪﻗﻖ ووﺟﻮب إﺻﺪاره ﺗﻘﺎرﻳﺮ‬ ‫اﻟﺘﺪﻗﻴﻖ وإﻟﺰاﻣﻴﺔ ﺣﻔﺎﻇﻪ ﻋﻠﻰ ﺳﺮﻳّﺔ ﺑﻴﺎﻧﺎت اﻟﺸﺮﻛﺔ وﺣﻈﺮ‬ ‫ﻋﻦ أﻳﺔ ﻣﺨﺎﻟﻔﺎت ﺗﺸﻜﻞ ﺟﺮﻳﻤﺔ ﺟﺰاﺋﻴﺔ ﻗﺪ ﻳﻜﺘﺸﻔﻬﺎ أﺛﻨﺎء‬ ‫أداء ﻣﻬﺎﻣﻪ وﻣﺨﺘﻠﻒ اﻟﻤﺴﺎﺋﻞ اﻟﺨﺎﺻﺔ ﺑﻌﺰﻟﻪ واﺳﺘﻘﺎﻟﺘﻪ‬ ‫وﻣﺴﺆوﻟﻴﺘﻪ‪.‬‬ ‫ﺗﺪﻗﻴﻖ ﺣﺴﺎﺑﺎت اﻟﺴﻨﺔ اﻟﻤﺎﻟﻴﺔ‬ ‫ﺗﺆﻛﺪ اﻟﻤﺎدة )‪ (236‬ﻋﻠﻰ وﺟﻮب اﻟﺸﺮﻛﺔ إﻳﺪاع ﻟﺪى اﻟﺴﻠﻄﺔ‪،‬‬ ‫ﻧﺴﺨﺔ ﻣﻦ اﻟﺤﺴﺎﺑﺎت وﺗﻘﺮﻳﺮ اﻟﻤﺪﻗﻖ ﺧﻼل )‪ (7‬أﻳﺎم ﻣﻦ ﺗﺎرﻳﺦ‬ ‫اﻧﻌﻘﺎد اﻟﺠﻤﻌﻴﺔ‪.‬‬

‫ﺻﻼﺣﻴﺎت اﻟﻤﺠﻠﺲ‬ ‫ﺗﺤﻈﺮ اﻟﻤﺎدة )‪ (154‬اﻟﻤﺠﻠﺲ ﻣﻦ ﻋﻘﺪ اﻟﻘﺮوض ﻧﻴﺎﺑﺔ ﻋﻦ‬ ‫أو رﻫﻦ أﻣﻮاﻟﻬﺎ أو إﺑﺮاء ذﻣﺔ ﻣﺪﻳﻨﻴﻬﺎ أو إﺟﺮاء اﻟﺼﻠﺢ أو اﻻﺗﻔﺎق‬ ‫ﻋﻠﻰ اﻟﺘﺤﻜﻴﻢ‪.‬‬ ‫ﺗﻘﺪﻳﻢ ﻣﺴﺎﻋﺪة ﻣﺎﻟﻴﺔ‬ ‫ﺗﺤﻈﺮ اﻟﻤﺎدة )‪ (222‬ﻋﻠﻰ اﻟﺸﺮﻛﺔ ﺗﻘﺪﻳﻢ ﻣﺴﺎﻋﺪة ﻣﺎﻟﻴﺔ‬ ‫ﺻﻜﻮك ﺗﺼﺪرﻫﺎ اﻟﺸﺮﻛﺔ‪ ،‬وﺗﺸﻤﻞ اﻟﻤﺴﺎﻋﺪة اﻟﻤﺎﻟﻴﺔ ﺗﻘﺪﻳﻢ‬ ‫اﻟﻘﺮوض‪ ،‬اﻟﻬﺪاﻳﺎ أو اﻟﻬﺒﺎت‪.‬‬ ‫ﺑﺪ‬ ‫ّ ﻟﻬﺬا اﻟﻘﺮار اﻟﻮزاري‬ ‫ﻓﻲ اﻟﺨﺘﺎم‪ ،‬ﻻ ّ‬ ‫ً‬ ‫ﻧﻘﺎﻃﺎ ﻫﺎﻣﺔ ﺗﺘﻌﻠﻖ‬ ‫ﻓﺴﺮ وأوﺿﺢ‬ ‫ﻓﺎﺋﺪة ﻣﻠﻤﻮﺳﺔ إذ إ ّﻧﻪ‬ ‫ّ‬ ‫ﺑﺎﻟﺸﺮﻛﺎت اﻟﻤﺴﺎﻫﻤﺔ اﻟﻌﺎﻣﺔ واﻟﺸﺮﻛﺎت اﻟﻤﺤﺪودة‬ ‫اﻟﻤﺴﺆوﻟﻴﺔ‪ ،‬وذﻟﻚ ﻓﻲ ﺳﻌﻴﻪ ﻟﺤﻤﺎﻳﺔ ﺣﻘﻮق اﻟﺸﺮﻛﺎء‬ ‫ﻋﻠﻴﻬﻢ اﻟﻘﻴﺎم ﺑﻬﺎ‪ .‬إ ّ‬ ‫ﻻ ّ‬ ‫ﻣﺨﻴﻤﺎ ﺑﻌﺾ‬ ‫أن ﺑﻌﺾ اﻟﻐﻤﻮض ﻣﺎ زال‬ ‫ً‬ ‫اﻟﺸﻲء ﻋﻠﻰ اﻟﻤﺎدة )‪ (153‬ﻣﻦ ﻗﺎﻧﻮن اﻟﺸﺮﻛﺎت اﻟﺘﻲ ﺗﻨﺺ‬ ‫اﻟﻤﺴﺎﻫﻤﺔ اﻟﻌﺎﻣﺔ وﻻ ﻧﺪري ﻣﺎ إذا ﻛﺎن ﻫﺬا اﻟﺤﻈﺮ ﻳﻄﺒﻖ‬ ‫ﻋﻠﻰ اﻟﺸﺮﻛﺎت ذات اﻟﻤﺴﺆوﻟﻴﺔ اﻟﻤﺤﺪودة ً‬ ‫أﻳﻀﺎ‪.‬‬

‫‪2‬‬ ‫اﻟﻌﺎﻣﺔ اﻟﺘﻲ ﻻ ﺗﺴﺮي ﻋﻠﻰ اﻟﺸﺮﻛﺎت ذات‬ ‫اﻟﻤﺴﺆوﻟﻴﺔ اﻟﻤﺤﺪودة واﻟﻤﻨﺼﻮص ﻋﻨﻬﺎ ﻓﻲ‬ ‫ﻗﺎﻧﻮن اﻟﺸﺮﻛﺎت‬ ‫ﺗﺤﺪد اﻟﻤﻮاد ) ‪ 151 ،149 ،147 ،145 ،144 ،143‬و ‪ ( 169‬ﻛﻴﻔﻴﺔ ﺗﺸﻜﻴﻞ‬ ‫ﻓﻲ ﺣﺎل ﺧﻠﻮ ﻣﺮﻛﺰ ﻋﻀﻮ اﻟﻤﺠﻠﺲ‪ ،‬وآﻟﻴﺔ اﻟﺘﺮﺷﻴﺢ ﻟﻌﻀﻮﻳﺔ‬ ‫اﻟﻤﺠﻠﺲ وﺷﺮوط اﻟﻌﻀﻮﻳﺔ ﻓﻲ ﻣﺠﺎﻟﺲ ﻋﺪة ﺷﺮﻛﺎت‬ ‫ﻣﺴﺎﻫﻤﺔ‪ ،‬وﻛﻴﻔﻴﺔ اﺣﺘﺴﺎب ﻣﻜﺎﻓﺄة أﻋﻀﺎء اﻟﻤﺠﻠﺲ‪ ،‬ﻛﻤﺎ‬ ‫ﺗﺸﺪد ﻋﻠﻰ وﺟﻮب ﺗﻤﺘﻊ رﺋﻴﺲ وأﻏﻠﺒﻴﺔ أﻋﻀﺎء اﻟﻤﺠﻠﺲ‬ ‫ﺑﺠﻨﺴﻴﺔ اﻟﺪوﻟﺔ‪.‬‬ ‫اﻟﺘﺼﺮﻓﺎت اﻟﻤﺤﻈﻮرة‬ ‫ﺗﺤﻈﺮ اﻟﻤﺎدة )‪152‬‬ ‫أي ﻣﻨﻬﻢ ﻣﺎ اﺳﺘﺤﺼﻞ ﻋﻠﻴﻪ ﻣﻦ ﻣﻌﻠﻮﻣﺎت ﺑﺤﻜﻢ ﻋﻀﻮﻳﺘﻪ‬ ‫أو وﻇﻴﻔﺘﻪ ﻓﻲ ﺗﺤﻘﻴﻖ ﻣﺼﻠﺤﺔ ﻟﻪ أو ﻟﻐﻴﺮه‪ .‬ﻛﻤﺎ ﺗﺤﻈﺮ ﻋﻠﻰ‬ ‫ﻓﻴﻤﺎ ﻻ ﻳﺠﺎوز )‪ ( ٪5‬ﻣﻦ رأس اﻟﻤﺎل‪ ،‬وﺑﻤﻮاﻓﻘﺔ اﻟﺠﻤﻌﻴﺔ ﻓﻴﻤﺎ‬ ‫زاد ﻋﻠﻰ ذﻟﻚ‪.‬‬

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‫ﺑﻴﺖ اﻟﻤﺤﺎﻣﺎة ﻟﻠﻤﺤﺎﻣﺎة‬ ‫واﻻﺳﺘﺸﺎرات اﻟﻘﺎﻧﻮﻧﻴﺔ‬ ‫أﺑﻮﻇﺒﻲ‬

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‫ﺻﻨﺪوق ﺑﺮﻳﺪ ‪62777‬‬ ‫ﻫﺎﺗﻒ‪+971 2 6334488 :‬‬ ‫ﻓﺎﻛﺲ‪+971 2 6316655 :‬‬

‫دﺑﻲ‬ ‫ﺑﺮج ﻣﺎﻳﺰ‪ ،‬ﻣﻜﺘﺐ ‪ ،4‬ﺷﺎرع اﻟﺸﻴﺦ زاﻳﺪ )ﺑﺠﻮار ﻣﺮﻛﺰ دﺑﻲ اﻟﻤﺎﻟﻲ اﻟﻌﺎﻟﻤﻲ(‬ ‫ﺻﻨﺪوق ﺑﺮﻳﺪ ‪،72281‬‬ ‫ﻫﺎﺗﻒ‪+971 4 3517909 :‬‬ ‫ﻓﺎﻛﺲ‪+971 4 3517919 :‬‬ ‫‪www.lawhouse.ae‬‬

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‫ﺷﺆون ﻗﺎﻧﻮﻳﻨﺔ‬

‫ﻳﻤﺲ‬ ‫ﻣﺮﺳﻮم وزاري ﺟﺪﻳﺪ‬ ‫ّ‬ ‫ﺷﺮﻛﺎت اﻟﻤﺴﺎﻫﻤﺔ اﻟﻌﺎﻣﺔ‬ ‫واﻟﺸﺮﻛﺎت ذات اﻟﻤﺴﺆوﻟﻴﺔ‬ ‫اﻟﻤﺤﺪودة‬

‫دﻧﻴﺎ ﻓﻐﺎﻟﻲ‬ ‫ﻛﺒﻴﺮة اﻟﻤﺴﺎﻋﺪﻳﻦ – ﺑﻴﺖ اﻟﻤﺤﺎﻣﺎة‬

‫ﻗﺮار وزارة اﻻﻗﺘﺼﺎد ﻳﻮﺿﺢ ﻣﻀﻤﻮن اﻟﻤﺎدة ‪ 104‬ﻣﻦ ﻗﺎﻧﻮن اﻟﺸﺮﻛﺎت‬ ‫ً‬ ‫ﻏﻤﻮﺿ‬ ‫وﻳﺘﺮك‬

‫أﺛﺎرت‬

‫اﻟﻤﺎدة )‪ (104‬ﻣﻦ اﻟﻘﺎﻧﻮن اﻻﺗﺤﺎدي‬ ‫رﻗﻢ )‪ (2‬ﻟﻌﺎم ‪ 2015‬ﺑﺸﺄن اﻟﺸﺮﻛﺎت‬ ‫اﻟﺘﺠﺎرﻳﺔ )"ﻗﺎﻧﻮن اﻟﺸﺮﻛﺎت"( ﺟﺪ ً‬ ‫ﻻ‬

‫وﻧﻘﺎﺷ ًﺎ‬ ‫اﻟﺠﺪل ﺗﻤﺤﻮر ﺣﻮل ﻣﺎ ﺗﻀﻤﻨﺘﻪ ﻣﻦ أﻧﻪ "ﺗﺴﺮي ﻋﻠﻰ اﻟﺸﺮﻛﺎت‬

‫اﻟﻤﺴﺎﻫﻤﺔ اﻟﻌﺎﻣﺔ ﻓﻴﻤﺎ ﻟﻢ ﻳﺮد ﺑﻪ ﻧﺺ ﺧﺎص ﻓﻲ ﻫﺬا‬ ‫اﻟﻘﺎﻧﻮن" ‪.‬‬ ‫وﻟﻘﻄﻊ اﻟﻄﺮﻳﻖ أﻣﺎم اﻻﺟﺘﻬﺎدات‪ ،‬وﻟﺘﻮﺿﻴﺢ ﻫﺬه اﻟﻤﺎدة‪،‬‬ ‫ﺗﻢ ﻧﺸﺮه ﺑﺘﺎرﻳﺦ‬ ‫إﻟﻰ إﺻﺪار ﻗﺮار وزاري رﻗﻢ )‪ (272‬ﻟﻌﺎم ‪ّ ،2016‬‬ ‫ﻳﺤﺪد ﻓﻲ ﻣﺘﻦ اﻟﻤﺎدة )‪(3‬‬ ‫‪ 29‬أﺑﺮﻳﻞ ‪") 2016‬اﻟﻘﺮار اﻟﻮزاري"(‬ ‫ّ‬ ‫ﺗﺴﺮي ﻋﻠﻰ اﻟﺸﺮﻛﺎت ذات اﻟﻤﺴﺆوﻟﻴﺔ اﻟﻤﺤﺪودة‪ ،‬وﺗﻠﻚ اﻟﺘﻲ‬

‫‪1‬‬ ‫اﻟﻌﺎﻣﺔ اﻟﺘﻲ ﺗﺴﺮي ﻋﻠﻰ اﻟﺸﺮﻛﺎت ذات‬ ‫اﻟﻤﺴﺆوﻟﻴﺔ اﻟﻤﺤﺪودة واﻟﻤﻨﺼﻮص ﻋﻨﻬﺎ ﻓﻲ‬ ‫ﻗﺎﻧﻮن اﻟﺸﺮﻛﺎت‬

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‫ﺗﻨﺺ اﻟﻤﺎدة )‪ (162‬ﻋﻠﻰ ّ‬ ‫أن أﻋﻀﺎء ﻣﺠﻠﺲ إدارة اﻟﺸﺮﻛﺔ‬ ‫)"اﻟﻤﺠﻠﺲ"( ﻣﺴﻮؤﻟﻮن ﻋﻦ أﻋﻤﺎل اﻟﻐﺶ وإﺳﺎءة اﺳﺘﺨﺪام‬ ‫اﻟﺴﻠﻄﺔ‪ ،‬وﻋﻦ ﻛﻞ ﻣﺨﺎﻟﻔﺔ ﻟﻠﻘﺎﻧﻮن أو ﻟﻨﻈﺎم اﻟﺸﺮﻛﺔ‪ ،‬وﻋﻦ‬ ‫‪ (163‬ﻋﻠﻰ أن اﻟﺸﺮﻛﺔ ﺗﻠﺘﺰم‬ ‫ﺑﺘﺼﺮﻓﺎت ﻋﻀﻮ اﻟﻤﺠﻠﺲ ﻓﻲ ﻣﻮاﺟﻬﺔ اﻟﻐﻴﺮ ﺣﺴﻨﻲ اﻟﻨﻴّﺔ‪.‬‬ ‫وﺗﺆﻛﺪ اﻟﻤﺎدة )‪ (167‬ﻋﻠﻰ أﻧﻪ ﻻ ﻳﺘﺮﺗﺐ ﻋﻠﻰ أي ﻗﺮار ﻳﺼﺪر ﻋﻦ‬ ‫اﻟﺠﻤﻌﻴﺔ اﻟﻌﻤﻮﻣﻴﺔ ﻟﻠﺸﺮﻛﺔ )"اﻟﺠﻤﻌﻴﺔ"( ﺑﺈﺑﺮاء ذﻣﺔ اﻟﻤﺠﻠﺲ‪،‬‬ ‫ﺳﻘﻮط دﻋﻮى اﻟﻤﺴﺆوﻟﻴﺔ اﻟﻤﺪﻧﻴﺔ ﺿﺪ أﻋﻀﺎء اﻟﻤﺠﻠﺲ ﺑﺴﺒﺐ‬

‫ﻃﻠﺐ اﻟﻤﺴﺎﻫﻤﻴﻦ‪ ،‬ﻣﺪﻗﻖ اﻟﺤﺴﺎﺑﺎت أو اﻟﺴﻠﻄﺔ اﻟﻤﺨﺘﺼﺔ‬ ‫دﻋﻮة اﻟﺠﻤﻌﻴﺔ‬ ‫ً‬ ‫وﻓﻘﺎ ﻟﻠﻤﻮاد )‪ (175) ،(174‬و)‪ ،(176‬ﻳﺤﻖ ﻟﻠﻤﺠﻠﺲ دﻋﻮة‬ ‫اﻟﺠﻤﻌﻴﺔ ﻟﻼﻧﻌﻘﺎد ﻣﺘﻰ ﻃﻠﺐ ﻣﺴﺎﻫﻢ أو أﻛﺜﺮ ﻳﻤﻠﻜﻮن‬ ‫أﺳﻬﻤﺎ ﺗﻤﺜﻞ ‪ %20‬ﻣﻦ رأس اﻟﻤﺎل‪ ،‬أو ﻣﺘﻰ ﻃﻠﺐ إﻟﻴﻪ ذﻟﻚ‬ ‫ً‬ ‫ﻣﺪﻗﻖ ﺣﺴﺎﺑﺎت اﻟﺸﺮﻛﺔ )"اﻟﻤﺪﻗﻖ"(‪ ،‬أو اﻟﺴﻠﻄﺔ اﻟﻤﺨﺘﺼﺔ‬ ‫)"اﻟﺴﻠﻄﺔ"(‪.‬‬ ‫ﻋﻠﻤﺎ أﻧﻪ إذا ﻟﻢ ﻳﻘﻢ رﺋﻴﺲ اﻟﻤﺠﻠﺲ ﺑﺪﻋﻮة اﻟﺠﻤﻌﻴﺔ‬ ‫ً‬ ‫ﻟﻼﻧﻌﻘﺎد ﺧﻼل )‪ (5‬أﻳﺎم ﻣﻦ ﺗﺎرﻳﺦ ﺗﻘﺪﻳﻢ ﻃﻠﺐ اﻟﺴﻠﻄﺔ وﺟﺐ‬

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‫اﻟﺸﺎرﻗﺔ‬ ‫رأس‬ ‫اﻟﺨﻴﻤﺔ‬

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‫دﺑﻲ‬ ‫‪80‬‬

‫اﻟﻔﺠﻴﺮة‬

‫ﺧﻮر دﺑﻲ‬ ‫وﻓﺴﺘﻴﻔﺎل ﺳﻴﺘﻲ‬ ‫ﺷﺎرع اﻟﺸﻴﺦ زاﻳﺪ وﻣﺮﻛﺰ‬ ‫دﺑﻲ اﻟﻤﺎﻟﻲ اﻟﻌﺎﻟﻤﻲ‬

‫‪84‬‬ ‫‪89‬‬

‫ﻧﺨﻠﺔ‬ ‫اﻟﺠﻤﻴﺮا‬

‫‪86‬‬ ‫اﻟﻤﺎرﻳﻨﺎ‪/‬ﻣﺴﺎﻛﻦ‬ ‫ﺷﺎﻃﺊ اﻟﺠﻤﻴﺮا‬

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‫أﺑﻮﻇﺒﻲ‬ ‫ﺷﺎﻃﺊ‬ ‫أﺑﻮﻇﺒﻲ‬

‫‪83‬‬ ‫ﻣﺪﻳﻨﺔ‬ ‫أﺑﻮﻇﺒﻲ‬

‫ﺧﺎرﻃﺔ ﻧﺘﺎﺋﺞ ﻣﺆﺷﺮ ﺗﺠﺎرب اﻟﻨﺰﻻء‬ ‫اﻟﻤﺼﺪر‪‘ :‬أوﻟﻴﺮي’‪‘ ،‬ﻛﻮﻟﻴﻴﺮز إﻧﺘﺮﻧﺎﺷﻴﻮﻧﺎل’‪،‬‬

‫"ﺣﺎزت ﻓﻨﺎدق ﻧﺨﻠﺔ اﻟﺠﻤﻴﺮا وأﺑﻮﻇﺒﻲ ﻋﻠﻰ أﻋﻠﻰ‬ ‫اﻟﺘﺼﻨﻴﻔﺎت ﻓﻲ ﻣﺆﺷﺮ ﺗﺠﺎرب اﻟﻨﺰﻻء‪ ،‬ﺗﻠﻴﻬﺎ ﻣﺒﺎﺷﺮة‬ ‫ﻣﺤﺎﻓﻈﺔ ﻋﻠﻰ ﻣﻜﺎﻧﺘﻬﺎ ﻛﻮاﺣﺪة ﻣﻦ أﺑﺮز اﻟﻮﺟﻬﺎت اﻟﺴﻴﺎﺣﻴﺔ‬ ‫ﻋﺎﻟﻤ ًﻴ‬ ‫اﻟﻴﻮﻣﻴﺔ ﻓﻴﻬﺎ ﻋﻨﺪ ﻣﺴﺘﻮﻳﺎت ﻋﺎﻟﻴﺔ‪ .‬وﻣﻦ اﻟﻤﺘﻮﻗﻊ ﻟﻬﺎ أن ﺗﺤﻘﻖ‬ ‫ﻧﻤﻮ ﺑﺨﺎﻧﺘﻴﻦ وأن ﺗﺸﻬﺪ ﻧﻘﻠﺔ ﻧﻮﻋﻴﺔ ﻓﻲ اﻟﻤﺴﺘﻘﺒﻞ اﻟﻘﺮﻳﺐ‬ ‫ﺑﻔﻀﻞ اﻟﻤﺸﺎرﻳﻊ اﻟﺴﻴﺎﺣﻴﺔ واﻟﺘﺮﻓﻴﻬﻴﺔ اﻟﻜﺒﻴﺮة اﻟﺘﻲ ﻣﻦ اﻟﻤﺨﻄﻂ‬ ‫اﻛﺘﻤﺎﻟﻬﺎ ﺧﻼل اﻟﻌﺎم اﻟﺠﺎري‪ ،‬ﻣﺜﻞ ﻣﻨﺘﺠﻊ ‘دﺑﻲ ﺑﺎرﻛﺲ’"‪.‬‬ ‫ﺗﺤﺴ‬ ‫وﻳﻠﻘﻲ اﻟﺘﻘﺮﻳﺮ ﻛﺬﻟﻚ اﻟﻀﻮء ﻋﻠﻰ‬ ‫ّ‬ ‫ﻣﻨﺎﻃﻖ ﻣﻌﻴّﻨﺔ ﻣﻦ ﻣﺼﺮ )اﻻﺳﻜﻨﺪرﻳﺔ واﻟﻘﺎﻫﺮة‪ ،‬زﻳﺎدة ﺑﻨﺴﺒﺔ ‪ 11‬و‪21‬‬ ‫ﺗﺤﺴﻦ ﻃﻔﻴﻒ ﻓﻲ اﻟﻜﻮﻳﺖ ﺑﻨﺴﺒﺔ ﺗﻌﺎدل ﻻ‬ ‫ﺑﺎﻟﻤﺌﺔ ﻋﻠﻰ اﻟﺘﻮاﻟﻲ(‪ ،‬ﻣﻊ‬ ‫ّ‬ ‫ﺗﺘﻌﺪى واﺣﺪً ا ﻓﻲ اﻟﻤﺌﺔ‪ .‬وﻟﻜﻦ ﺑﺎﻟﻤﻘﺎﺑﻞ‪ ،‬ﺛﻤﺔ ﻣﻨﺎﻃﻖ ﻓﻲ ﻣﺼﺮ ﺗﺄﺛﺮت‬ ‫ﻫﺎﻣﺔ ﻣﺜﻞ ﺷﺮم اﻟﺸﻴﺦ‬ ‫أﻣﺎﻛﻦ ﻛﺎﻧﺖ ﻓﻲ اﻟﺴﺎﺑﻖ وﺟﻬﺎت ﺳﻴﺎﺣﻴﺔ‬ ‫ّ‬ ‫واﻟﻐﺮدﻗﺔ‪ ،‬إذ ﺑﻠﻎ ﻣﻘﺪار ﻫﺬا اﻟﻬﺒﻮط و‪ 62‬ﺑﺎﻟﻤﺌﺔ ﻋﻠﻰ اﻟﺘﻮاﻟﻲ‪.‬‬ ‫ﺗﻮﺟﻪ ﻣﻦ اﻟﻤﺘﻮﻗﻊ ﻟﻪ‬ ‫وﻓﻌﺎﻟﻴﺎت ﺳﻴﺎﺣﺔ اﻟﻤﺆﺗﻤﺮات واﻟﺤﻮاﻓﺰ‪ ،‬وﻫﻮ ّ‬ ‫أن ﻳﺴﺘﻤﺮ‪ .‬وﻳﻌ ّﻠﻖ ﺳﻮﻧﺎ ﻋﻠﻰ ﻣﻮﺿﻮع ﺷﺮم اﻟﺸﻴﺦ واﻟﻐﺮدﻗﺔ ﺑﺎﻟﻘﻮل‪:‬‬ ‫"ﺷﻬﺪ اﻟﻄﻠﺐ ﻣﺰﻳﺪً ا ﻣﻦ اﻟﺘﺮاﺟﻊ وﻣﺎ زاﻟﺖ اﻟﺴﻮق ﺗﻌﺎﻧﻲ ﻣﻦ ﺗﺪاﻋﻴﺎت‬ ‫اﻟﻤﻨﺎخ اﻟﺴﻴﺎﺣﻲ اﻟﺴﻠﺒﻲ ﻓﻲ اﻟﺒﻼد واﻟﺘﺤﺬﻳﺮات اﻟﺘﻲ اﻧﺘﺸﺮت ﻓﻲ‬ ‫ﺗﻌﺎف ﻋﻠﻰ اﻟﻤﺪى اﻟﻘﺼﻴﺮ إﻟﻰ اﻟﻤﺘﻮﺳﻂ"‪.‬‬ ‫اﻟﺴﺒﺐ ﻻ ﻧﺘﻮﻗﻊ أي‬ ‫ٍ‬ ‫ً ﺎ أدﻧﻰ ﺑﺎﻟﻤﻘﺎرﻧﺔ ﻣﻊ اﻟﻔﺘﺮة ذاﺗﻬﺎ ﻣﻦ اﻟﻌﺎم‬ ‫ً‬ ‫ًا‪ ،‬إذ ﺑﻠﻐﺖ‬ ‫ﻋﻠﻤ‬ ‫اﻟﻤﺎﺿﻲ‬ ‫وﻓﻘﺎ ﻟـ‘ﻛﻮﻟﻴﺮز’‪ً ،‬‬

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‫ﻧﺴﺒﺔ اﻟﻬﺒﻮط ﻓﻴﻪ ‪ 12‬ﺑﺎﻟﻤﺌﺔ‪ .‬وﻟﻢ ﺗﺒﺪي ﺳﻮى إﻣﺎرﺗﻲ رأس اﻟﺨﻴﻤﺔ‬ ‫واﻟﻔﺠﻴﺮة ﺗﺤﺴ ًﻨ‬ ‫ﻣﻦ اﻟﻌﺎم اﻟﻔﺎﺋﺖ‪ ،‬وذﻟﻚ ﺑﻨﺴﺒﺔ ‪ 5‬و‪ 4‬ﺑﺎﻟﻤﺌﺔ ﻋﻠﻰ اﻟﺘﻮاﻟﻲ‪ .‬وﻣﻦ ﻧﺎﺣﻴﺔ‬ ‫ﻣﺴﺘﻮﻳﺎت ﺟﻴّﺪة ﺑﻨﺴﺒﺔ ﺑﺎﻟﻤﺌﺔ ﻓﻲ دﺑﻲ ﻣﺎرﻳﻨﺎ‪ ،‬و ﺑﺎﻟﻤﺌﺔ ﻓﻲ‬ ‫ًﺎ ﻣﻊ‬ ‫ﻋﻠﻤﺎ‬ ‫ﺑﻠﻮﻏﻪ ‪ 66‬ﺑﺎﻟﻤﺌﺔ ﻓﻲ اﻟﻤﺪﻳﻨﺔ‪ ،‬و‪ 61‬ﺑﺎﻟﻤﺌﺔ ﻋﻠﻰ ﺷﺎﻃﺊ أﺑﻮﻇﺒﻲ‪ً ،‬‬ ‫ﺑﺄن ﻫﺬه اﻟﻤﻌﺪﻻت ﻓﻲ أﺑﻮﻇﺒﻲ ّ‬ ‫ً‬ ‫ﻫﺒﻮﻃﺎ ﻋﻦ اﻟﻔﺘﺮة ذاﺗﻬﺎ ﻣﻦ‬ ‫ﺗﻤﺜﻞ‬ ‫اﻟﻌﺎم اﻟﻤﺎﺿﻲ‪ ،‬وذﻟﻚ ﺑﻨﺴﺒﺔ و‪ 10‬ﺑﺎﻟﻤﺌﺔ ﻋﻠﻰ اﻟﺘﻮاﻟﻲ‪.‬‬ ‫وﻧﻮّ ه ﺳﻮﻧﺎ إﻟﻰ أن ﺗﺤﻠﻴﻼت ‘ﻛﻮﻟﻴﺮز’ ﺗﺴﺎﻫﻢ ﻓﻲ إﺿﺎﻓﺔ‬

‫’‬ ‫‘‬ ‫ﺑﺄي ﺗﺤﻮﻻت ﻓﻲ أداء اﻟﺴﻮق‪ ،‬وذﻟﻚ ﺑﺎﻟﺘﻮاﻓﻖ‬ ‫ﻣﻦ أﺟﻞ‬ ‫ﻣﻊ اﻟﺘﻮﺟﻬﺎت اﻟﺘﻲ ﻣﻦ اﻟﻤﺘﻮﻗﻊ ﻟﻬﺎ أن ﺗﻨﺸﺄ ﻓﻲ اﻟﻤﺴﺘﻘﺒﻞ‬ ‫ً‬ ‫وﻓﻘﺎ ﻟﻬﺬه‬ ‫اﻟﻘﺮﻳﺐ‪ ،‬ﻣﻤﺎ ﻳﺴﻤﺢ ﻟﻠﻔﻨﺪﻗﻴﻴﻦ ﺑﺘﻌﺪﻳﻞ ﺗﻮﻗﻌﺎﺗﻬﻢ‬ ‫ﻳﻘﺪم ﻟﻤﺤﺎت ﻗﻴّﻤﺔ ﺣﻮل‬ ‫اﻟﻤﻌﻠﻮﻣﺎت‪ .‬ﻛﻤﺎ أن ﻣﺆﺷﺮ ﺗﺠﺎرب اﻟﻨﺰﻻء ّ‬ ‫ﻧﻈﺮة اﻟﻨﺰﻻء إﻟﻰ ﺟﻮدة اﻟﺨﺪﻣﺔ وﻃﺒﻴﻌﺔ اﻻﺧﺘﻼف ﻣﻦ ﺳﻮق إﻟﻰ‬ ‫ﻳﺸﺎر إﻟﻰ أن ﻗﺴﻢ اﻟﺸﺆون اﻟﻔﻨﺪﻗﻴﺔ ﻟﺪى ‘ﻛﻮﻟﻴﺮز إﻧﺘﺮﻧﺎﺷﻴﻮﻧﺎل’‬ ‫ﻳﻌﺘﺒﺮ ﺷﺒﻜﺔ ﻋﺎﻟﻤﻴﺔ ﻣﻦ اﻟﻤﺘﺨﺼﺼﻴﻦ ﻓﻲ اﻻﺳﺘﺸﺎرات ذات اﻟﺼﻠﺔ‬ ‫ﺑﺎﻟﻔﻨﺎدق‪ ،‬واﻟﻤﻨﺘﺠﻌﺎت‪ ،‬واﻟﻤﺮاﺳﻲ‪ ،‬وﻣﻼﻋﺐ اﻟﺠﻮﻟﻒ‪ ،‬واﻟﺘﺮﻓﻴﻪ‪ ،‬واﻟﻨﻮادي‬ ‫اﻟﺼﺤﻴﺔ؛ إذ ﻳﺘﺨﺼﺺ اﻟﻘﺴﻢ ﻓﻲ ﺗﻮﻓﻴﺮ ﺧﺪﻣﺎت اﺳﺘﺸﺎرﻳﺔ اﺳﺘﺮاﺗﻴﺠﻴﺔ‬ ‫ﻟﻠﻤﺎﻟﻜﻴﻦ واﻟﻤﻄﻮرﻳﻦ واﻟﻤﺆﺳﺴﺎت اﻟﺤﻜﻮﻣﻴﺔ ﺑﻬﺪف ﻣﺴﺎﻋﺪﺗﻬﻢ‬

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‫اﻟﻌﻘﺎرات‬

‫ﻓﻨﺎدق دﺑﻲ وأﺑﻮﻇﺒﻲ ﺗﺤﻈﻰ‬ ‫ﺑﺘﺼﻨﻴﻔﺎت ﻋﺎﻟﻴﺔ ﻓﻲ أﻋﻴﻦ اﻟﻨﺰﻻء‬ ‫أﺻﺪرت 'ﻛﻮﻟﻴﺮز إﻧﺘﺮﻧﺎﺷﻴﻮﻧﺎل' ﺗﻘﺮﻳ ًﺮا ﺷﺎﻣ ًﻠﺎ ﺣﻮل اﻟﻘﻄﺎع اﻟﻔﻨﺪﻗﻲ ﻓﻲ اﻟﻤﻨﻄﻘﺔ ﺧﻼل اﻟﻔﺘﺮة‬ ‫‪ ،‬ﺑﻤﺎ ﻳﺸﻤﻞ ﻧﺘﺎﺋﺞ ﻣﺆﺷﺮ ﺗﺠﺎرب اﻟﻨﺰﻻء‪.‬‬ ‫اﻟﻤﻤﺘﺪة ﺑﻴﻦ ﻳﻮﻟﻴﻮ و ﺳﺒﺘﻤﺒﺮ‬

‫ﺳﺠﻠﺖ‬

‫اﻟﻔﻨﺎدق اﻟﻮاﻗﻌﺔ ﻋﻠﻰ ﺷﺎﻃﺊ‬ ‫أﺑﻮﻇﺒﻲ وﻧﺨﻠﺔ اﻟﺠﻤﻴﺮا أﻓﻀﻞ‬ ‫اﻟﻨﺘﺎﺋﺞ ﻓﻲ ﻣﺆﺷﺮ ﺗﺠﺎرب اﻟﻨﺰﻻء‬ ‫)‪ (GEI‬ﻋﻠﻰ ﻣﺴﺘﻮى اﻟﻤﻨﻄﻘﺔ ﺑﺄﻛﻤﻠﻬﺎ ﺑﺤﺴﺐ ﺗﻘﺮﻳﺮ "ﺗﻮﻗﻌﺎت‬ ‫"‪،‬‬ ‫واﻟﺼﺎدر ﻋﻦ ﺷﺮﻛﺔ ‘ﻛﻮﻟﻴﺮز إﻧﺘﺮﻧﺎﺷﻴﻮﻧﺎل’؛ ﺣﻴﺚ ﻳﺸﺘﻤﻞ اﻟﺘﻘﺮﻳﺮ ﻋﻠﻰ‬

‫واﻟﺰوّ‬ ‫ﻓﺘﺮة ﺛﻼﺛﺔ أﺷﻬﺮ ﺗﻤﺘﺪ ﻣﺎ ﺑﻴﻦ ﻳﻮﻟﻴﻮ إﻟﻰ ﺳﺒﺘﻤﺒﺮ ‪.‬‬ ‫وﺑﻬﺪف اﻟﺘﻮﺻﻞ إﻟﻰ اﻟﺘﺼﻨﻴﻔﺎت اﻟﻨﻬﺎﺋﻴﺔ ﻓﻲ ﻣﺆﺷﺮ ﺗﺠﺎرب‬ ‫اﻟﻨﺰﻻء‪ ،‬ﺗﻢ ﺟﻤﻊ وﺗﺤﻠﻴﻞ وﻣﻌﺎﻟﺠﺔ اﻟﺒﻴﺎﻧﺎت ﻣﻦ ﻧﺤﻮ ‪ 100‬ﻣﻮﻗﻊ‬ ‫إﻟﻜﺘﺮوﻧﻲ ﻣﺘﺨﺼﺺ ﻓﻲ ﺗﻘﻴﻴﻢ اﻟﺘﺠﺎرب اﻟﻔﻨﺪﻗﻴﺔ‪ ،‬وﻣﻦ وﻛﺎﻻت‬ ‫اﻟﻤﻬﻤﺔ ﺑﺎﻟﺘﻌﺎون ﻣﻊ ‘أوﻟﻴﺮي’‬ ‫ّ ﺖ ﻫﺬه‬ ‫ّ‬ ‫اﻟﻤﺼﺪر‪‘ :‬ﻛﻮﻟﻴﺮز إﻧﺘﺮﻧﺎﺷﻴﻮﻧﺎل’‪،‬‬ ‫‪%9‬‬‫‪%4-‬‬

‫اﻟﻤﺘﺨﺼﺼﺔ ﻓﻲ ﺑﻴﺎﻧﺎت اﻟﺴﻔﺮ واﻟﻔﻨﺎدق‪ ،‬وﺟﺎﻣﻌﺔ أﻣﺴﺘﺮدام‬ ‫اﻟﺤﺮّة )‪(VU University Amsterdam‬؛ ﺣﻴﺚ اﻋﺘﻤﺪت ‘أوﻟﻴﺮي’ ﻋﻠﻰ‬ ‫ﺧﺎﺻﺔ ﺑﻬﺎ ﻟﺘﻘﻴﻴﻢ اﻟﻨﺘﺎﺋﺞ ﻗﺒﻞ أن ﺗﻘﻮم ‘ﻛﻮﻟﻴﺮز’ ﺑﺘﺤﻠﻴﻠﻬﺎ‪.‬‬ ‫ﺧﻮارزﻣﻴﺔ‬ ‫ّ‬ ‫وﻗﺎل ﻓﻴﻠﻴﺒﻮ ﺳﻮﻧﺎ‪ ،‬ﻣﺪﻳﺮ ﻗﺴﻢ ﺷﺆون اﻟﻔﻨﺎدق ﻟﺪى ‘ﻛﻮﻟﻴﺮز‬ ‫إﻧﺘﺮﻧﺎﺷﻴﻮﻧﺎل’‬ ‫ﻋﻠﻤﺎ أن دﺧﻮل ﻋﻨﺎﺻﺮ ﺟﺪﻳﺪة إﻟﻰ اﻟﺴﻮق‬ ‫ﺗﺘﻴﺤﻪ ﻣﻦ إﻣﻜﺎﻧﻴﺎت‪،‬‬ ‫ً‬ ‫ﻣﺆﺧﺮًا ﻗﺪ ﺳﺎﻫﻢ ﻓﻲ ﺗﻌﺰﻳﺰ ﻣﻜﺎﻧﺔ أﺑﻮﻇﺒﻲ ﻋﻠﻰ ﻫﺬا اﻟﺼﻌﻴﺪ‬ ‫ﻧﻈﺮًا ﻟﺪور ﻫﺬه اﻟﻌﻨﺎﺻﺮ ﻓﻲ ﺗﻮﻟﻴﺪ اﻟﻄﻠﺐ‪ .‬ﻟﺬا ﻧﺘﻮﻗﻊ أن ﺗﻜﻮن ﺳﻮق‬ ‫ﻗﺪﻣﺎ ﻣﻦ ﻧﺠﺎح إﻟﻰ آﺧﺮ ﻓﻲ ﻫﺬا اﻟﻤﺠﺎل"‪.‬‬ ‫ﻋﻠﻰ اﻟﻤﻀﻲ‬ ‫ً‬ ‫ﻣﻌﺪل ﻧﻘﻄﺔ‪ ،‬ﻓﻲ ﺣﻴﻦ‬ ‫وﻗﺪ ﺣﺎزت ﻓﻨﺎدق ﻧﺨﻠﺔ اﻟﺠﻤﻴﺮا ﻋﻠﻰ‬ ‫ّ‬ ‫ﺳﺠﻠﺖ ﻓﻨﺎدق ﺷﺎﻃﺊ أﺑﻮﻇﺒﻲ ﻧﻘﻄﺔ ‪ ،‬ﻟﺘﻠﻴﻬﻤﺎ ﻓﻲ اﻟﻤﺮﺗﺒﺔ اﻟﺜﺎﻟﺜﺔ‬ ‫ﻓﻨﺎدق دﺑﻲ ﻣﺎرﻳﻨﺎ وﻣﺴﺎﻛﻦ ﺷﺎﻃﺊ‬ ‫ﺑﻤﻌﺪل ﻧﻘﻄﺔ‪ .‬وﺗﺸﻴﺮ اﻟﺪراﺳﺔ‬ ‫اﻟﺠﻤﻴﺮا‬ ‫ّ‬ ‫‪80‬‬ ‫إﻟﻰ أن اﻟﺰوار اﻟﻘﺎدﻣﻴﻦ ﻣﻦ أﺳﺘﺮاﻟﻴﺎ أﻋﻄﻮا‬ ‫أﻋﻠﻰ اﻟﺘﺼﻨﻴﻔﺎت‪ ،‬ﻓﻲ ﺣﻴﻦ ﻛﺎن اﻟﺰوّ ار‬ ‫‪75‬‬

‫‪%7-‬‬

‫‪70‬‬ ‫‪%5-‬‬

‫‪%8-‬‬

‫‪%10-‬‬

‫‪%12-‬‬

‫‪%10-‬‬

‫‪%11-‬‬

‫‪65‬‬ ‫‪60‬‬ ‫‪55‬‬ ‫‪50‬‬

‫اﻟﻔﺠﻴﺮة‬

‫اﻟﺸﺎرﻗﺔ‬

‫رأس اﻟﺨﻴﻤﺔ‬

‫ﺷﺎﻃﺊ أﺑﻮﻇﺒﻲ‬

‫ﻣﺪﻳﻨﺔ أﺑﻮﻇﺒﻲ‬

‫دﺑﻲ اﻟﻤﺎرﻳﻨﺎ‪/‬ﻣﺴﺎﻛﻦ‬ ‫ﺷﺎﻃﺊ اﻟﺠﻤﻴﺮا‬

‫دﺑﻲ‬ ‫ﻧﺨﻠﺔ اﻟﺠﻤﻴﺮا‬

‫دﺑﻲ‬ ‫ﺷﺎرع اﻟﺸﻴﺦ زاﻳﺪ وﻣﺮﻛﺰ‬ ‫دﺑﻲ اﻟﻤﺎﻟﻲ اﻟﻌﺎﻟﻤﻲ‬

‫ﺧﻮر دﺑﻲ‬ ‫وﻓﺴﺘﻴﻔﺎل ﺳﻴﺘﻲ‬

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‫ﺗﺠﺎرﺑﻬﻢ‪ ،‬ﻳﻠﻴﻬﻢ ﻓﻲ ذﻟﻚ اﻟﻤﺴﺎﻓﺮون‬ ‫ّ‬ ‫أﻣﺎ‬ ‫واﻟﻌﺎﺋﻼت واﻟﺰوار اﻟﻘﺎدﻣﻮن ﻟﻮﺣﺪﻫﻢ‪ّ ،‬‬ ‫ﻛﻤﺎ ﻳﺒﻴّﻦ اﻟﺘﻘﺮﻳﺮ ّ‬ ‫ﺑﺄن رﺿﺎ اﻟﻌﻤﻼء‬ ‫ﻳﺘﻨﺎﺳﺐ ﻃﺮدً ا ﻣﻊ اﻟﻨﺠﻮم اﻟﺘﻲ ﻳﺤﻤﻠﻬﺎ‬ ‫اﻟﻔﻨﺪق‪ ،‬وﻫﻮ ﻣﺎ ﻻ ﻳﻤﻜﻦ اﻋﺘﺒﺎره أﻣﺮًا‬ ‫ﻣﻔﺎﺟ ًﺌﺎ ﺑﻄﺒﻴﻌﺔ اﻟﺤﺎل‪ .‬وﻗﺪ ﻛﺎن اﻟﻨﺰﻻء‬ ‫ّ‬ ‫وﻣﻜﺔ اﻟﻤﻜﺮﻣﺔ‬ ‫وﺟﺪة‬ ‫ﻓﻲ اﻻﺳﻜﻨﺪرﻳﺔ‬ ‫ّ‬ ‫اﻟﻤﻌﺪل اﻟﺬي ﺳﺠﻠﺘﻪ ﻫﺬه اﻟﻤﺪن ﻋﻠﻰ‬ ‫ّ‬ ‫ﻓﻘﻂ‪ ،‬ﻟﺘﺘﺒﻌﻬﺎ‬ ‫ﻣﺆﺷﺮ ﺗﺠﺎرب اﻟﻨﺰﻻء‬ ‫اﻟﻘﺎﻫﺮة ﺑﻤﻌﺪل ‪.‬‬ ‫وأردف ﺳﻮﻧﺎ ﻗﺎﺋ ًﻠﺎ‪" :‬رﻏﻢ اﻟﺘﻐﻴﺮات‬ ‫اﻟﺘﻲ ﺗﺸﻬﺪﻫﺎ اﻟﺴﻮق اﻟﻔﻨﺪﻗﻴﺔ ﻓﻲ‬ ‫دﺑﻲ ﺣﺎﻟﻴًﺎ‪ ،‬ﻏﻴﺮ ّ‬ ‫أن‬

‫‪www.EmiratesReview.ae‬‬

‫اﻟﺘﺄﻣﻴﻦ‬

‫‪d-2016, all Companies Must be in Compliance With Dubai‬‬ ‫‪Medical Insurance Law; Here is What You Need to Know‬‬

‫"ﺗﺘﻤ ّﺘﻊ ﺷﺮﻛﺎت اﻟﺘﺄﻣﻴﻦ اﻟﺘﻲ ﺣﻈﻴﺖ ﺑﺄﻓﻀﻞ ﺗﺼﻨﻴﻒ ﻣﻦ‬ ‫ً‬ ‫ﺑﺪ ﻣﻦ أن‬ ‫وﻛﺎﻟﺔ 'إﻳﻪ أم ﺑﻴﺴﺖ'‬ ‫ﺑﻤﻮازﻧﺔ ﻋﻤﻮﻣﻴﺔ ﺳﻠﻴﻤﺔ ﻻ ّ‬ ‫ﺗﺨﻮ‬ ‫ّ‬ ‫اﻟﻘﺼﻴﺮ إﻟﻰ اﻟﻤﺘﻮﺳﻂ"‪.‬‬ ‫ّ ﻋً ﺎ‪ ،‬ﻓﻘﺪ‬

‫ﻗ ّﻠ‬ ‫ﺑﺼﻔﺘﻬﺎ ﻣﺮﻛ ًﺰا ﻋﺎﻟﻤﻴًﺎ ﻟﻠﺴﻴﺎﺣﺔ واﻟﺘﺠﺎرة واﻟﺘﻤﻮﻳﻞ‪ ،‬ﻓﻴﻤﺎ ﺗﺪﺧﻞ‬ ‫ّ‬ ‫ﻳﻌﺰز‬ ‫ﻣﻤﺎ‬ ‫أﺑﻮﻇﺒﻲ اﻟﻤﺸﻬﺪ ﺑﻘﻮّ ة ﻛﻤﺮﻛﺰ ﻟﻠﻄﺎﻗﺔ‬ ‫ّ‬ ‫اﻟﻤﺘﺠﺪدة‪ّ ،‬‬ ‫ّ ﻦ أﻗﺼﻰ‬ ‫درﺟﺔ ﻣﻦ اﻻﺳﺘﻘﺮار اﻻﻗﺘﺼﺎدي ﻓﻲ اﻟﻤﻨﻄﻘﺔ ﻋﻠﻰ اﻟﻤﺪى‬ ‫اﻟﻄﻮﻳﻞ‪.‬‬

‫‪www.EmiratesReview.ae‬‬

‫ﻋﻼوة ﻋﻠﻰ ﻣﺎ ﺳﺒﻖ‪ ،‬ﺗﻌﺘﻘﺪ 'إﻳﻪ أم ﺑﻴﺴﺖ' ﺑﺄ ّﻧﻪ ﻣﻦ ﻏﻴﺮ‬ ‫اﻟﻤﺤﺘﻤﻞ أن ﺗﺆدي ﻫﺬه اﻟﻈﺮوف إﻟﻰ ﺗﺪﻫﻮر أداء اﻟﺴﻮق‬ ‫ﻣﻤﺎ ﻳﻔﺴﺢ اﻟﻤﺠﺎل أﻣﺎم ﺷﺮﻛﺎت اﻟﺘﺄﻣﻴﻦ ﻟﺘﻌﺪﻳﻞ‬ ‫ﺑﺸﻜﻞ ﻛﺒﻴﺮ‪ّ ،‬‬ ‫ﺗﺒﻌﺎ ﻟﻤﺎ ﻳﻘﺘﻀﻴﻪ اﻟﻮاﻗﻊ اﻟﺮاﻫﻦ؛ ﺣﻴﺚ أﺷﺎر اﻟﺘﻘﺮﻳﺮ‬ ‫اﺳﺘﺮاﺗﻴﺠﻴﺘﻬﺎ ً‬ ‫إﻟﻰ أن ﺷﺮﻛﺎت اﻟﺘﺄﻣﻴﻦ اﻟﺘﻲ ﺣﻈﻴﺖ ﺑﺄﻓﻀﻞ ﺗﺼﻨﻴﻒ ﻣﻦ وﻛﺎﻟﺔ‬ ‫ً‬ ‫ﺑﺪ ﻣﻦ أن‬ ‫‘إﻳﻪ أم ﺑﻴﺴﺖ’ ﺗﺘﻤ ّﺘﻊ‬ ‫ﺑﻤﻮازﻧﺔ ﻋﻤﻮﻣﻴﺔ ﺳﻠﻴﻤﺔ ﻻ ّ‬ ‫ﺗﺨﻮّ‬ ‫اﻟﻘﺼﻴﺮ إﻟﻰ اﻟﻤﺘﻮﺳﻂ‪.‬‬

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‫اﻟﺘﺄﻣﻴﻦ‬

‫ﺗﺪاﻋﻴﺎت اﻧﺨﻔﺎض أﺳﻌﺎر‬ ‫اﻟﻨﻔﻂ ﻋﻠﻰ ﻗﻄﺎع اﻟﺘﺄﻣﻴﻦ‬ ‫ّ‬ ‫ﺳﻴﺘﺄﺛﺮ ﻗﻄﺎع اﻟﺘﺄﻣﻴﻦ ﺑﺘﺪ ّﻧﻲ أﺳﻌﺎر اﻟﻨﻔﻂ؟‬ ‫ﻛﻴﻒ‬

‫ﻳﺒﺬل‬

‫ﻗﻄﺎع اﻟﻨﻔﻂ ﺟﻬﻮدً ا ﺣﺜﻴﺜﺔ ﻣﻨﺬ أواﺧﺮ ﻋﺎم‬ ‫‪ 2015‬ﻛﻲ ﻳﻌﻮد ﺳﻌﺮ اﻟﺒﺮﻣﻴﻞ إﻟﻰ ‪ 50‬دوﻻرًا‪،‬‬ ‫وﻻ ﻳﺨﻔﻰ ﻋﻠﻰ أﺣﺪ ّ‬ ‫أن ﻫﺬا اﻟﺘﺮاﺟﻊ ﻓﻲ‬ ‫ا®ﺳﻌﺎر ﻟﻪ وﻗﻊ ﻛﺒﻴﺮ ﻋﻠﻰ اﻟﺪول اﻟﻤﻨﺘﺠﺔ‬ ‫ﻟﻠﻨﻔﻂ‪ ،‬ﻟﻜﻦ ﻣﺎ ﺗﺪاﻋﻴﺎت ذﻟﻚ ﻋﻠﻰ ﺷﺮﻛﺎت اﻟﺘﺄﻣﻴﻦ ﻓﻲ اﻟﺴﻮق؟‬

‫ً‬ ‫ً‬ ‫ﻣﻠﺤﻮﻇﺎ ﻓﻲ‬ ‫ﻧﺸﺎﻃﺎ وﻧﻤﻮً ا‬ ‫ﻋﻠﻰ ﻣﺪى اﻟﻌﻘﻮد اﻟﻘﻠﻴﻠﺔ اﻟﻤﺎﺿﻴﺔ‬ ‫ّ‬ ‫ُﻌﺰى ﺟﺰﺋﻴًﺎ إﻟﻰ‬ ‫ﻣﻤﺎ أدّ ى إﻟﻰ‬ ‫ﺗﻨﺎﻣﻲ اﻟﻨﺸﺎط اﻻﻗﺘﺼﺎدي وﻣﺸﺎرﻳﻊ اﻟﺒﻨﻴﺔ اﻟﺘﺤﺘﻴﺔ‪ّ ،‬‬ ‫ارﺗﻔﺎع اﻟﻤﺨﺎﻃﺮ اﻟﻘﺎﺑﻠﺔ ﻟﻠﺘﺄﻣﻴﻦ‪.‬‬ ‫ّﺎرة‬ ‫واﻟﺘﺄﻣﻴﻦ اﻟﺼﺤﻲ واﻟﺘﺄﻣﻴﻦ ﻋﻠﻰ اﻟﻤﺴﺆوﻟﻴﺔ ﺗﺠﺎه اﻟﻐﻴﺮ‪ -‬ﻓﻲ‬ ‫ّ دً ا ﺑﺎﻟﺘﺒﺎﻃﺆ ﺟﺮّاء اﻟﺘﺪاﻋﻴﺎت‬ ‫اﻻﻗﺘﺼﺎدﻳﺔ اﻟﻤﺘﺮ ّﺗﺒﺔ ﻋﻠﻰ ﺗﺪ ّﻧﻲ أﺳﻌﺎر اﻟﻨﻔﻂ‪.‬‬ ‫ّ‬ ‫ّ‬ ‫ﻳﺘﻌﺬر ﻋﻠﻰ ﺷﺮﻛﺎت اﻟﺘﺄﻣﻴﻦ‬ ‫ﻇﻞ ﻫﺬه اﻟﻤﺘﻐﻴّﺮات‪ ،‬ﻗﺪ‬ ‫وﻓﻲ‬ ‫ً‬ ‫ﺎ‪ ،‬وذﻟﻚ‬ ‫ﺑﺤﺴﺐ وﻛﺎﻟﺔ اﻟﺘﺼﻨﻴﻒ اﻻﺋﺘﻤﺎﻧﻲ اﻟﻌﺎﻟﻤﻴﺔ ‘إﻳﻪ أم ﺑﻴﺴﺖ’‪.‬‬

‫اﻟﻤﺘﻨﻮ‬ ‫اﻻﻗﺘﺼﺎد‬ ‫ّ‬

‫رﻏﻢ ﻫﺬا اﻟﻮاﻗﻊ‪ ،‬ﻳﺸﻴﺮ ﻛﺒﻴﺮ اﻟﻤﺤ ّﻠﻠﻴﻦ اﻟﻤﺎﻟﻴﻴﻦ ﻣﺎﻳﻠﺰ ﻏﻮﻟﺪ‬ ‫إﻟﻰ ّ‬ ‫أن ﺷﺮﻛﺎت اﻟﺘﺄﻣﻴﻦ اﻟﺘﻲ ﺗﺨﻀﻊ ﻟﺘﺼﻨﻴﻔﺎت ‘إﻳﻪ إم ﺑﻴﺴﺖ’‬

‫ﻓﻲ اﻟﻘﻄﺎع اﻟﻐﻨﻲ ﺑﺎﻟﻨﻔﻂ‪ ،‬وإﻧﻤﺎ ﺗﻤﺘﻠﻚ ﻣﺤﺎﻓﻆ أرﺑﺎح ﻣﺘﻨﻮّ ﻋﺔ‬ ‫ّ ﻟﺔ ﺣﺴﺐ اﻟﻤﺨﺎﻃﺮ‪.‬‬ ‫وﻳﻀﻴﻒ ّ‬ ‫أن ذﻟﻚ ﺳﻴُﻔﻀﻲ إﻟﻰ ”ﺗﻄﻮّ ر اﺳﺘﺮاﺗﻴﺠﻲ ﻧﻤﻮذﺟﻲ‬ ‫وﻧﺸﻮء ﻣﻨﻬﺠﻴﺔ ﻣﺪروﺳﺔ ﻓﻲ إدارة اﻟﻤﺨﺎﻃﺮ اﻟﻤﺆﺳﺴﻴﺔ ﺑﺸﻜﻞ‬ ‫ﺳﻴﺴﺎﻫﻢ إﻟﻰ ﺣﺪ ﻛﺒﻴﺮ ﻓﻲ اﻟﺘﺨﻔﻴﻒ ﻣﻦ اﻟﺘﺪاﻋﻴﺎت اﻟﺴﻠﺒﻴﺔ‬ ‫ﻟﺒﻌﺾ ﻫﺬه اﻟﻤﺸﺎﻛﻞ ﻋﻠﻰ ﺻﻌﻴﺪ اﻻﻗﺘﺼﺎد اﻟﺠﺰﺋﻲ“‪.‬‬ ‫وﻣﻊ ّ‬ ‫أن ﺷﺮﻛﺎت اﻟﺘﺄﻣﻴﻦ اﺳﺘﻔﺎدت ﻣﻦ اﻻرﺗﻔﺎع اﻟﻤﻠﺤﻮظ ﻓﻲ‬ ‫اﻟﻤﺸﺎرﻳﻊ اﻟﻤﻤﻮ ّﻟﺔ ﻓﻲ ﻣﺠﺎﻻت اﻟﻬﻨﺪﺳﺔ واﻟﺒﻨﺎء واﻟﺘﻄﻮﻳﺮ‪ ،‬ﻏﻴﺮ أ ّﻧﻪ‬ ‫ﺛﻤﺔ ﻣﺨﺎوف ﻣﺒﺮرة ﻣﻦ أن ﻳﺸﻬﺪ إﻧﻔﺎق اﻟﻘﻄﺎﻋﻴﻦ اﻟﻌﺎم واﻟﺨﺎص‬ ‫ّ‬ ‫ﺗﺮاﺟﻌﺎ ﺟﺮّاء ﺗﺪ ّﻧﻲ أﺳﻌﺎر اﻟﻨﻔﻂ‪.‬‬ ‫ً‬ ‫ﻛﻤﺎ ﺗﺮى وﻛﺎﻟﺔ ‘إﻳﻪ أم ﺑﻴﺴﺖ’ ّ‬ ‫أن‬ ‫ﻣﻤﺎ ﺳﻴﺴﺎﻫﻢ إﻟﻰ ﺣﺪ ﻛﺒﻴﺮ ﻓﻲ‬ ‫ﻣﺎ ﻳﻜﻔﻲ ﻟﺘﻨﻮﻳﻊ اﻗﺘﺼﺎدﻫﺎ‪ّ ،‬‬

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‫ﺗﺨﻔﻴﻒ وﻗﻊ ﺗﺪاﻋﻴﺎت ﺗﺪ ّﻧﻲ أﺳﻌﺎر اﻟﻨﻔﻂ‪ .‬وﺑﺤﺴﺐ ﺗﻘﺮﻳﺮ ﺧﺎص‬ ‫ﺻﺎدر ﻋﻦ ‘إﻳﻪ أم ﺑﻴﺴﺖ’ ﺗﺤﺖ ﻋﻨﻮان ”ﻓﻬﻢ واﻗﻊ ﺷﺮﻛﺎت‬ ‫ّ‬ ‫ﻓﺈن دوﻟﺔ‬ ‫“‪،‬‬ ‫ّ ﺪة ﺗﻤﻴّﺰت ﻋﻦ ﻏﻴﺮﻫﺎ ﻣﻦ اﻟﺪول اﻟﺨﻠﻴﺠﻴﺔ‬ ‫اﻟﻤﻨﺘﺠﺔ ﻟﻠﻨﻔﻂ ﺑﻜﻮﻧﻬﺎ ﺗﻄﻮّ رت ﻟﺘﻐﺪو ﻣﺮﻛ ًﺰا ﻋﺎﻟﻤﻴًﺎ ﻟﻠﺴﻴﺎﺣﺔ‬ ‫واﻟﺘﺠﺎرة واﻟﺘﻤﻮﻳﻞ‪ ،‬وﻫﻲ ﻓﻲ ﻃﻮر ﺗﺮﺳﻴﺦ ﻣﻜﺎﻧﺘﻬﺎ ﻛﻤﺮﻛ ٍﺰ‬ ‫ﻟﻠﻄﺎﻗﺔ اﻟﻤﺘﺠﺪدة‪ .‬ﻟﺬا ُﺗ‬ ‫ّ ﻊ ﺑﺪرﺟﺔ‬ ‫ﻋﺎﻟﻴﺔ ﻣﻦ اﻻﺳﺘﻘﺮار اﻻﻗﺘﺼﺎدي ﻋﻠﻰ اﻟﻤﺪى اﻟﻄﻮﻳﻞ“‪.‬‬

‫ُ‬ ‫وﻗﻊ‬

‫اﻟﻤﺮﺟﺢ أن ﺗﻜﻮن آﺛﺎر اﻟﺘﺮاﺟﻊ اﻻﻗﺘﺼﺎدي ﻣﺘﺒﺎﻳﻨﺔ ﻓﻲ‬ ‫ﻣﻦ‬ ‫ّ‬ ‫ﻗﻄﺎع اﻟﺘﺄﻣﻴﻦ‪ ،‬إذ ﻳﻔﻴﺪ ﺗﻘﺮﻳﺮ ‘إﻳﻪ أم ﺑﻴﺴﺖ’ ّ‬ ‫ﺑﺄن ﻣﺆﻫﻼت وﻣﻮازﻧﺎت‬ ‫ﺷﺮﻛﺎت اﻟﺘﺄﻣﻴﻦ اﻟﻤﺤﻠﻴﺔ ﻓﻲ اﻟﻤﻨﻄﻘﺔ ﻻ ﺗﺴﻤﺢ ﺑﺎﻟﺘﻌﺎﻣﻞ ﺳﻮى‬ ‫ﻣﻊ ﺣﺼﺔ ﺻﺎﻓﻴﺔ ﻣﺤﺪودة ﻣﻦ اﻟﻤﺨﺎﻃﺮ اﻟﻜﺒﻴﺮة ﻓﻲ ﻣﺠﺎﻟﻲ‬ ‫اﻟﻌﻘﺎرات واﻟﻬﻨﺪﺳﺔ‪ ،‬ﻟﻜﻦ رﻏﻢ ذﻟﻚ ﻓﻘﺪ اﺳﺘﻔﺎدت ﻫﺬه‬

‫ﺗﺤﺴ ًﻨﺎ ﻛﺒﻴﺮًا ﺑﻔﻀﻞ ﻫﺬه اﻟﻌﻤﻮﻻت“‪.‬‬ ‫ّ‬ ‫وﺑﻌﺒﺎرة أﺧﺮى‪ ،‬ﻗﺪ ﻻ ّ‬ ‫ﻳﺆﺛﺮ ﺗﺮاﺟﻊ ﻣﺨﺎﻃﺮ اﻟﻌﻘﺎرات واﻟﺒﻨﺎء‬ ‫ﻋﻠﻰ ﻗﺎﻋﺪة ﺻﺎﻓﻲ أﻗﺴﺎط اﻟﺘﺄﻣﻴﻦ اﻟﻤﻜﺘﺘﺒﺔ ﻟﻤﻌﻈﻢ ﺷﺮﻛﺎت‬ ‫ّ‬ ‫ﻟﻜﻦ اﻟﺮﺑﺤﻴﺔ ﻗﺪ ﺗﻜﻮن ﻋﺮﺿﺔ ﻟﻠﺘﺪﻫﻮر ﻣﻦ‬ ‫اﻟﺘﺄﻣﻴﻦ اﻟﻤﺤﻠﻴﺔ‪،‬‬ ‫اﻟﻨﺎﺣﻴﺔ اﻟﺘﻘﻨﻴﺔ‪.‬‬ ‫ﻛﻤﺎ ﺗﺸﻴﺮ وﻛﺎﻟﺔ ‘إﻳﻪ أم ﺑﻴﺴﺖ’ إﻟﻰ أ ّﻧﻪ ﻓﻲ ﺿﻮء اﻧﻜﺸﺎف‬ ‫اﻟﻤﺮﺟﺢ أن ﺗﺘﺄﺛﺮ أﺳﻮاق اﻻﺳﺘﺜﻤﺎر ﺑﺸﻜﻞ أﻛﺒﺮ‪ ،‬وﻫﻮ ﻣﺎ‬ ‫ﻓﺈ ّﻧﻪ ﻣﻦ‬ ‫ّ‬

‫اﻟﺼﻤﻮد أﻣﺎم ﺗﺮاﺟﻊ أﺳﻌﺎر اﻟﻨﻔﻂ‬

‫ّ‬ ‫اﻟﺘﻜﻬﻦ ﺑﻌﻤﻖ وﻧﻄﺎق اﻟﺘﺮاﺟﻊ اﻻﻗﺘﺼﺎدي‬ ‫ﻣﻦ اﻟﺼﻌﺐ‬ ‫اﻟﻨﺎﺟﻢ ﻋﻦ ﺗﺪ ّﻧ‬ ‫ﺗﺘﺤﺴﻦ ﻋﻠﻰ اﻟﻤﺪى اﻟﻘﺼﻴﺮ‪.‬‬ ‫ﻋﻠﻤﺎ أ ّﻧﻬﺎ ﻣﻦ اﻟﻤﺴﺘﺒﻌﺪ أن‬ ‫ّ‬ ‫ﻣﺠﺪدً ا‪ً ،‬‬ ‫وﻗﺪ ﻳﺆدي ﺗﺮاﺟﻊ ﺛﻘﺔ اﻟﻤﺴﺘﺜﻤﺮﻳﻦ إﻟﻰ اﻟﻤﺰﻳﺪ ﻣﻦ اﻟﺘﺪﻫﻮر أو‬ ‫اﻟﺘﻘ ّﻠ‬ ‫ّ ﺎ ﻗﺪ ﻳﺰﻳﺪ اﻟﻀﻐﻂ ﻋﻠﻰ ﻧﻤﻮ اﻟﺘﺄﻣﻴﻦ‬ ‫وأرﺑﺎﺣﻪ‪.‬‬

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‫اﻟﺘﻤﻮﻳﻞ‬

‫وﻓﻲ ﻫﺬا اﻟﺴﻴﺎق‪ ،‬ﻳﻘﻮل اﻟﺪﻛﺘﻮر ﻋﺪﻧﺎن ﺷﻠﻮان‪،‬‬ ‫"ﻻ ﻳﺨﻔﻰ ﻋﻠﻰ أﺣﺪ ّ‬ ‫ﺗﺘﺒﻮأ ﻣﻜﺎﻧﺔ رﻳﺎدﻳﺔ ﻓﻲ ﻣﺠﺎل‬ ‫أن دﺑﻲ‬ ‫ّ‬ ‫ﻳﻌﺪ واﺣﺪً ا ﻣﻦ اﻟﻘﻄﺎﻋﺎت ا®ﺳﺮع ﻧﻤﻮً ا ﻓﻲ‬ ‫اﻟﺘﻤﻮﻳﻞ ا´ﺳﻼﻣﻲ‬ ‫ّ‬ ‫اﻟﻌﺎﻟﻢ‪ ،‬وﻣﻦ اﻟﻤﺘﻮﻗﻊ أن ﻳﻮاﺻﻞ اﻟﻨﻤﻮ ﺑﻤﻌﺪل ‪ 20‬ﺑﺎﻟﻤﺎﺋﺔ ﺣ ّﺘﻰ‬ ‫اﻟﻌﺎم ‪ .2020‬وأﻓﺎد أﺣﺪث ﺗﻘﺮﻳﺮ ﺣﻮل "وﺿﻊ اﻻﻗﺘﺼﺎد ا´ﺳﻼﻣﻲ‬ ‫ّ‬ ‫اﻟﻌﺎﻟﻤﻲ" ّ‬ ‫ﺗﺨﻄﺖ‬ ‫ﺑﺄن ا®ﺻﻮل اﻟﻌﺎﻟﻤﻴﺔ ﻟﻠﻤﺼﺎرف ا´ﺳﻼﻣﻴﺔ ﻗﺪ‬ ‫ّ‬ ‫اﻟﻤﺘﻮﻗﻊ أن ﺗﺘﻀﺎﻋﻒ ﻫﺬه‬ ‫ﻗﻴﻤﺘﻬﺎ ‪ 1,3‬ﺗﺮﻳﻠﻴﻮن دوﻻر‪ ،‬وﻣﻦ‬ ‫اﻟﻘﻴﻤﺔ ﺑﺤﻠﻮل اﻟﻌﺎم ‪.2020‬‬ ‫وﻣﻮﺣﺪة ﻟﻠﺴﻴﺎﺳﺔ‬ ‫ﻻ ﻳﻮﺟﺪ ﺣ ّﺘﻰ ا‪ð‬ن ﻫﻴﻜﻠﻴﺔ ﻣﺮﻛﺰﻳﺔ‬ ‫ّ‬ ‫اﻟﻤﺘﻌ ّﻠﻘﺔ ﺑﺎﻟﻤﻨﺘﺠﺎت ا´ﺳﻼﻣﻴﺔ‪ ،‬وﺛﻤﺔ اﺣﺘﻤﺎل ﻛﺒﻴﺮ ®ن ﻳﻔﺘﻘﺮ‬ ‫ّ‬ ‫ﻇﻞ ﻏﻴﺎب ا®ﻧﻈﻤﺔ اﻟﻤﺮﻛﺰﻳﺔ ﻟﻠﺘﻤﻮﻳﻞ‬ ‫اﻻﺗﺴﺎق ﻓﻲ‬ ‫اﻟﻘﻄﺎع إﻟﻰ‬ ‫ّ‬ ‫ا´ﺳﻼﻣﻲ‪ .‬ﻏﻴﺮ ّ‬ ‫أن وﺿﻊ اﻟﺘﻮﺟﻴﻬﺎت ﺳﻴﺴﺎﻫﻢ ﻓﻲ ﺿﻤﺎن‬ ‫اﻻﺗﺴﺎق ﺑﻴﻦ ﻛﻞ اﻟﻤﺼﺎرف ا´ﺳﻼﻣﻴﺔ ﻓﻲ دوﻟﺔ ا´ﻣﺎرات ﻓﻴﻤﺎ‬ ‫ّ‬ ‫ﺗﻌﻜﻒ ﻋﻠﻰ ﺗﻄﻮﻳﺮ ﻫﻴﻜﻠﻴﺎت وﻣﻨﺘﺠﺎت ﺟﺪﻳﺪة‪ .‬وﺳﺘﻜﻮن‬ ‫اﻟﻬﻴﺌﺔ اﻟﺸﺮﻋﻴﺔ اﻟﻌﻠﻴﺎ ﻣﺴﺆوﻟﺔ ﻋﻦ ا´ﺷﺮاف ﻋﻠﻰ ﻗﻄﺎع‬ ‫اﻟﺘﻤﻮﻳﻞ ا´ﺳﻼﻣﻲ‪ ،‬واﻟﻤﻮاﻓﻘﺔ ﻋﻠﻰ اﻟﻤﻨﺘﺠﺎت اﻟﻤﺎﻟﻴﺔ‪ ،‬وإرﺳﺎء‬ ‫ً‬ ‫وﻓﻘﺎ ®ﺣﻜﺎم‬ ‫اﻟﻘﻮاﻋﺪ واﻟﻤﺒﺎدئ ﻟﺘﻨﻈﻴﻢ اﻟﺘﻌﺎﻣﻼت اﻟﻤﺼﺮﻓﻴﺔ‬ ‫اﻟﻔﻘﻪ ا´ﺳﻼﻣﻲ ﻓﻲ ﺷﺆون اﻟﺘﻤﻮﻳﻞ‪.‬‬ ‫وﻓﻲ اﻟﻮﻗﺖ اﻟﺮاﻫﻦ‪ ،‬وإﻟﻰ ﺣﻴﻦ إﻗﺮار ﻫﺬه اﻟﺨﻄﻮة‪ ،‬ﻓﺈن‬ ‫اﻟﻤﺼﺎرف واﻟﻤﺆﺳﺴﺎت اﻟﻤﺎﻟﻴﺔ اﻟﻌﺎﻣﻠﺔ ﻓﻲ دوﻟﺔ ا´ﻣﺎرات ﺗﻀﻢ‬ ‫ﻣﺠﺎﻟﺲ ﺧﺎﺻﺔ ﺑﻬﺎ ُﺗﻌﻨﻰ ﺑﺎﻟﺸﺮﻳﻌﺔ ا´ﺳﻼﻣﻴﺔ‪ ،‬وﺗﻘﺮّ ر ﻣﺎ إذا‬ ‫ﻛﺎﻧﺖ اﻟﻤﻨﺘﺠﺎت أو ﻋﺮوض اﻟﺘﺴﻠﻴﻒ ﻣﺘﻮاﻓﻘﺔ ﻣﻊ أﺣﻜﺎم‬ ‫اﻟﺸﺮﻳﻌﺔ ا´ﺳﻼﻣﻴﺔ أم ﻻ‪ .‬وﺳﺘﻌﻤﺪ اﻟﻬﻴﺌﺔ ﻋﻨﺪ إﻧﺸﺎﺋﻬﺎ إﻟﻰ‬ ‫اﻟﺘﻌﺎون ﻣﻊ ﻣﺠﺎﻟﺲ اﻟﺸﺮﻳﻌﺔ ا´ﺳﻼﻣﻴﺔ ﻫﺬه‪ ،‬ﺑﻴﻨﻤﺎ ﺳﺘﺴﺎﻫﻢ‬ ‫اﻟﻤﺆﺳﺴﺎت اﻟﻤﺎﻟﻴﺔ ﻓﻲ ﺗﺸﻐﻴﻞ اﻟﻬﻴﺌﺔ ﻋﺒﺮ ﺗﺴﺪﻳﺪ اﻟﺮﺳﻮم‬ ‫ﻟﺼﺎﻟﺢ اﻟﻤﺼﺮف اﻟﻤﺮﻛﺰي‪.‬‬ ‫وﻣﻦ اﻟﻤﺘﻮﻗﻊ ً‬ ‫أﻳﻀﺎ أن ﻳﺆدي ﺗﺄﺳﻴﺲ اﻟﻬﻴﺌﺔ اﻟﺸﺮﻋﻴﺔ اﻟﻌﻠﻴﺎ‬ ‫ً‬ ‫ﻋﺎﺋﻘﺎ ﺑﻮﺟﻪ ﻧﻤﻮ‬ ‫ﻟﻠﻤﺼﺎرف إﻟﻰ ﺗﺬﻟﻴﻞ ﻛﺎﻓﺔ اﻟﻌﻘﺒﺎت اﻟﺘﻲ ﺗﻘﻒ‬ ‫ﻗﻄﺎع اﻟﺘﻤﻮﻳﻞ ا´ﺳﻼﻣﻲ وﺗﻄﻮّ ره ﻓﻲ ﻣﺨﺘﻠﻒ أﻧﺤﺎء دوﻟﺔ‬ ‫اﻟﻤﻘﺮﺿﺔ إﻣﻜﺎﻧﻴﺔ‬ ‫ا´ﻣﺎرات‪ ،‬إذ ﺳﻴﺘﻴﺢ ذﻟﻚ ﻟﻠﺠﻬﺎت ا´ﺳﻼﻣﻴﺔ ُ‬ ‫اﺳﺘﺨﺪام ﺳﻴﻮﻟﺘﻬﺎ اﻟﻔﺎﺋﻀﺔ ﻓﻲ اﻟﻤﺠﺎﻻت اﻟﺘﻲ ﺗﻌﺎﻧﻲ ﻣﻦ ّ‬ ‫ﺗﻌﺜﺮ‬ ‫ﻓﻴﻬﺎ‪.‬‬ ‫ﻋﻨﻮان ﺛﺎﻧﻮي‪ :‬دﺑﻲ ﻓﻲ ﻃﻠﻴﻌﺔ اﻟﻤﺪن اﻟﺪاﻋﻤﺔ ﻟﻨﻤﻮ‬ ‫اﻻﻗﺘﺼﺎد ا¾ﺳﻼﻣﻲ‬ ‫ّ‬ ‫دﺷﻨﺖ دﺑﻲ أول ﻣﺼﺮف إﺳﻼﻣﻲ ﻓﻲ اﻟﻌﺎﻟﻢ ﻋﺎم ‪ ،1975‬وﻓﻲ‬

‫اﻟﻌﺎم ‪ 2013‬ﻓﻘﺪ أﻃﻠﻖ ﺻﺎﺣﺐ اﻟﺴﻤﻮ اﻟﺸﻴﺦ ﻣﺤﻤﺪ ﺑﻦ راﺷﺪ آل‬ ‫ﻣﻜﺘﻮم‪ ،‬ﻧﺎﺋﺐ رﺋﻴﺲ اﻟﺪوﻟﺔ رﺋﻴﺲ ﻣﺠﻠﺲ اﻟﻮزراء ﺣﺎﻛﻢ دﺑﻲ‬ ‫رﻋﺎه ا‪ ،ñ‬ﻣﺒﺎدرة "دﺑﻲ‪ :‬ﻋﺎﺻﻤﺔ اﻻﻗﺘﺼﺎد ا´ﺳﻼﻣﻲ"‪ .‬وﻓﻲ اﻟﻌﺎم‬ ‫ذاﺗﻪ ً‬ ‫ﺗﺄﺳﺲ ﻣﺮﻛﺰ دﺑﻲ ﻟﺘﻄﻮﻳﺮ اﻻﻗﺘﺼﺎد ا´ﺳﻼﻣﻲ‪ ،‬ﺑﻬﺪف‬ ‫أﻳﻀﺎ ّ‬ ‫ﺗﻄﻮﻳﺮ دﺑﻲ واﻟﻨﻬﻮض ﺑﻬﺎ ﻟﺘﺼﺒﺢ اﻟﻌﺎﺻﻤﺔ اﻟﻌﺎﻟﻤﻴﺔ ﻟﻼﻗﺘﺼﺎد‬ ‫ا´ﺳﻼﻣﻲ‪.‬‬ ‫‪www.EmiratesReview.ae‬‬

‫وﻓﻲ ﻫﺬا اﻟﺴﻴﺎق‪ ،‬ﻳﻘﻮل اﻟﺪﻛﺘﻮر ﻋﺪﻧﺎن ﺷﻠﻮان‪ ،‬اﻟﺮﺋﻴﺲ‬ ‫اﻟﺘﻨﻔﻴﺬي ﻟﻤﺠﻤﻮﻋﺔ ﺑﻨﻚ دﺑﻲ ا´ﺳﻼﻣﻲ‪" :‬ﻻ ﻳﺨﻔﻰ ﻋﻠﻰ أﺣﺪ ّ‬ ‫أن‬ ‫دﺑﻲ ﺗﺘﺒﻮّ أ ﻣﻜﺎﻧﺔ رﻳﺎدﻳﺔ ﻓﻲ ﻣﺠﺎل اﻟﺘﻤﻮﻳﻞ ا´ﺳﻼﻣﻲ ﺑﺎﻋﺘﺒﺎرﻫﺎ‬ ‫ﻣﻬﺪ ﻗﻄﺎع اﻟﺼﻴﺮﻓﺔ ا´ﺳﻼﻣﻴﺔ‪ .‬وﺟﺎءت ﻣﺒﺎدرة ﺻﺎﺣﺐ اﻟﺴﻤﻮ‬ ‫اﻟﺸﻴﺦ ﻣﺤﻤﺪ ﺑﻦ راﺷﺪ آل ﻣﻜﺘﻮم ﺑﺘﺤﻮﻳﻞ ا´ﻣﺎرة إﻟﻰ ﻋﺎﺻﻤﺔ‬ ‫ّ‬ ‫ﻟﺘﻌﺰز ﻣﺼﺪاﻗﻴﺔ ﻣﻜﺎﻧﺔ دﺑﻲ‪،‬‬ ‫ﻋﺎﻟﻤﻴﺔ ﻟﻼﻗﺘﺼﺎد ا´ﺳﻼﻣﻲ‬ ‫وﺗﻌﻜﺲ اﻟﺘﺰام اﻟﺤﻜﻮﻣﺔ اﻟﺮاﺳﺦ ﺑﺘﻄﻮﻳﺮ ﻫﺬا اﻟﻘﻄﺎع ﺳﺮﻳﻊ‬ ‫ّ‬ ‫ﺗﻘﺪﻣﻪ ﻟﻪ‪ .‬وﺑﺎﻟﺮﻏﻢ‬ ‫وﺗﺆﻛﺪ اﻟﺪﻋﻢ اﻟﺪاﺋﻢ اﻟﺬي ﻣﺎ ﻓﺘِﺌﺖ‬ ‫اﻟﻨﻤﻮ‬ ‫ّ‬ ‫ﻋﻤﻮﻣﺎ ﺟﺮّ اء ﺗﺪ ّﻧﻲ أﺳﻌﺎر اﻟﻨﻔﻂ‪ ،‬إﻻّ‬ ‫ﻣﻦ ﺗﺮاﺟﻊ اﻟﻘﻄﺎع اﻟﻤﺼﺮﻓﻲ‬ ‫ً‬ ‫ّ‬ ‫أن اﻟﻘﻄﺎع اﻟﻤﺼﺮﻓﻲ ا´ﺳﻼﻣﻲ ﻓﻲ دوﻟﺔ ا´ﻣﺎرات واﺻﻞ‬ ‫ﺗﺤﻘﻴﻖ ﻧﻤﻮ ﻣﺰدوج اﻟﺨﺎﻧﺎت ﻓﻲ اﻟﺴﻨﻮات اﻟﻌﺸﺮ ا®ﺧﻴﺮة"‪.‬‬ ‫وﻓﻲ اﻟﻌﺎم ‪ ،2013‬أﻃﻠﻖ ﻣﺮﻛﺰ دﺑﻲ ﻟﺘﻄﻮﻳﺮ اﻻﻗﺘﺼﺎد ا´ﺳﻼﻣﻲ‬ ‫ﻣﺮﻛﺰ دﺑﻲ ﻟﻠﺼﻴﺮﻓﺔ واﻟﺘﻤﻮﻳﻞ ا´ﺳﻼﻣﻲ اﻟﺬي ﻳُﻌﻨﻰ ﺑﺜﻼث‬ ‫ﻣﺠﺎﻻت أﺳﺎﺳﻴﺔ ذات ﺻﻠﺔ ﺑﻤﺴﺘﻘﺒﻞ اﻟﻘﻄﺎع‪ ،‬وﻫﻲ اﻟﻤﻌﺮﻓﺔ‬ ‫واﻟﺒﺤﺚ ورأس اﻟﻤﺎل اﻟﺒﺸﺮي‪ .‬ﻛﻤﺎ ﻳﻌﻤﻞ اﻟﻤﺮﻛﺰ ﻋﻠﻰ ﺗﻨﻈﻴﻢ‬ ‫اﻟﻨﺪوات ﻟﺘﻌﺰﻳﺰ ﻣﻌﺮﻓﺔ اﻟﻘﻄﺎع‪.‬‬ ‫وﻟﻄﺎﻟﻤﺎ أﺷﺎر اﻟﻤﺤ ّﻠﻠﻮن إﻟﻰ ّ‬ ‫أن ﻋﺪم وﺟﻮد ﺟﻬﺔ ﺗﻨﻈﻴﻤﻴﺔ‬ ‫ّ‬ ‫ﺷﻜﻞ ﺣﺎﺟ ًﺰا أﻣﺎم ﻧﻤﻮ ﻗﻄﺎع اﻟﺘﻤﻮﻳﻞ ا´ﺳﻼﻣﻲ ﻓﻲ‬ ‫ﻣﻮﺣﺪة‬ ‫ﻣﻮﺣﺪ ﺗﺮك‬ ‫دوﻟﺔ ا´ﻣﺎرات؛ ﺣﻴﺚ أن اﻻﻓﺘﻘﺎر إﻟﻰ ﻣﺠﻠﺲ وﻃﻨﻲ‬ ‫ّ‬ ‫ﻣﻔﺘﻮﺣﺎ أﻣﺎم ﻧﺸﻮب ﺧﻼﻓﺎت ﺣﻮل ﻣﻌﺎﻳﻴﺮ اﻟﺸﺮﻳﻌﺔ‬ ‫اﻟﻤﺠﺎل‬ ‫ً‬ ‫ا´ﺳﻼﻣﻴﺔ اﻟﻤﺘﻌ ّﻠﻘﺔ ﺑﻤﻨﺘﺠﺎت ﻣﻌﻴّﻨﺔ‪.‬‬ ‫وﻛﺸﻔﺖ ﺷﺮﻛﺔ ‘دﻳﻠﻮﻳﺖ’ ﻓﻲ ﺗﻘﺮﻳﺮ ﻧﺸﺮﺗﻪ ﻋﺎم ‪ّ 2015‬‬ ‫أن‬ ‫ﺗﺄﺳﻴﺲ ﻣﺠﻠﺲ وﻃﻨﻲ ﻟﻠﺸﺮﻳﻌﺔ ا´ﺳﻼﻣﻴﺔ ﺳﻴﻜﻮن ﻣﻦ ﺷﺄﻧﻪ‬ ‫ﻳﺤﺪ ﻣﻦ اﻟﻨﺰاﻋﺎت اﻟﻤﺴﺘﻘﺒﻠﻴﺔ وﻳﺰﻳﺪ ﻣﻦ ﻋﺪد اﻟﺘﻌﺎﻣﻼت؛ إذ‬ ‫أن‬ ‫ّ‬ ‫ورد ﻓﻲ اﻟﺘﻘﺮﻳﺮ‪ -‬اﻟﺬي ﺻﺪر ﺑﺎﻟﺘﻌﺎون ﻣﻊ ﻣﺠﻠﺲ دﺑﻲ‬ ‫اﻻﻗﺘﺼﺎدي‪ -‬ﻣﺎ ﻳﻠﻲ‪" :‬ﻻ ﺷﻚ أن ﻧﻤﻮ ﺳﻮق اﻟﻤﺪﻳﻮﻧﻴﺔ ﺳﻴﺤﻈﻰ‬ ‫ّ‬ ‫اﻟﺒﺖ ﻓﻲ اﻟﻨﺰاﻋﺎت ذات اﻟﺼﻠﺔ‬ ‫ﺑﺪﻋﻢ ﻣﻠﺤﻮظ إن ﺗﻢ ﺗﻄﻮﻳﺮ آﻟﻴﺎت‬ ‫ٍ‬ ‫ﺑﺎﻟﺘﻌﺎﻣﻼت اﻟﻤﺘﻮاﻓﻘﺔ ﻣﻊ أﺣﻜﺎم اﻟﺸﺮﻳﻌﺔ ا´ﺳﻼﻣﻴﺔ‪،‬‬ ‫وﺗﺄﺳﻴﺲ ﻣﺠﻠﺲ ﻟﻠﺸﺮﻳﻌﺔ ا´ﺳﻼﻣﻴﺔ ﻋﻠﻰ ﻣﺴﺘﻮى ا ّﺗﺤﺎدي‪،‬‬ ‫وإﺗﺎﺣﺔ ﺑﻴﻊ اﻟﺼﻜﻮك أﻣﺎم اﻟﻤﺴﺘﺜﻤﺮﻳﻦ ا®ﻓﺮاد"‪.‬‬ ‫ﺑﻨﺎء ﻋﻠﻰ ﻣﺎ ﺳﺒﻖ‪ ،‬ﻣﻦ اﻟﻮاﺿﺢ ّ‬ ‫أن ﺗﺄﺳﻴﺲ ﻫﻴﺌﺔ ﺷﺮﻋﻴﺔ ﻋُ ﻠﻴﺎ‬ ‫ّ‬ ‫ﻟﺘﻘﺪم اﻟﺘﻤﻮﻳﻞ ا´ﺳﻼﻣﻲ‪،‬‬ ‫ﺳﻴﺸﻜﻞ ﺧﻄﻮة ﺳﻠﻴﻤﺔ‬ ‫ﻟﻠﻤﺼﺎرف‬ ‫ّ‬ ‫ﺑﺎل ﻟﻠﻌﻤﻼء ﻋﻨﺪ اﻟﺒﺤﺚ ﻋﻦ ﻣﻨﺘﺠﺎت‬ ‫ﻧﻈﺮًا ﻟﻤﺎ ﻳﻮﻓﺮه ﻣﻦ راﺣﺔ ٍ‬ ‫ﻣﺎﻟﻴﺔ ﻣﺘﻮاﻓﻘﺔ ﻣﻊ أﺣﻜﺎم اﻟﺸﺮﻳﻌﺔ ا´ﺳﻼﻣﻴﺔ‪ .‬وﺛﻤﺔ إﺟﻤﺎع‬ ‫ﻓﻲ أوﺳﺎط اﻟﺨﺒﺮاء ﻋﻠﻰ ّ‬ ‫ﺗﺒﺴﻂ ﻣﻨﻬﺠﻴﺎت‬ ‫أن اﻟﻬﻴﺌﺔ ﺳﻮف‬ ‫ّ‬ ‫ﺗﻘﺪﻳﻢ اﻟﻤﻨﺘﺠﺎت ا´ﺳﻼﻣﻴﺔ وﺗﺴﻮﻳﻘﻬﺎ واﺳﺘﺨﺪاﻣﻬﺎ‪ ،‬ﻓﻬﻲ‬ ‫ﺛﻤﺮة ﺳﻨﻮات ﻣﻦ اﻟﺠﻬﻮد اﻟﺤﺜﻴﺜﺔ اﻟﺘﻲ ﺑﺬﻟﻬﺎ اﻟﻤﺼﺮف اﻟﻤﺮﻛﺰي‬ ‫ﻟﺪوﻟﺔ ا´ﻣﺎرات‪.‬‬

‫| اﻟﻌﺪد ‪15‬‬

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‫اﻟﺘﻤﻮﻳﻞ‬

‫ﻫﻴﺌﺔ ﺷﺮﻋﻴﺔ ﻋﻠﻴﺎ ﻟﻠﻤﺼﺎرف‬ ‫ُﺗﺸﺮف ﻋﻠﻰ ﻗﻄﺎع اﻟﺘﻤﻮﻳﻞ‬ ‫ﻣﺤﺪدة وواﺿﺤﺔ ﻟﻠﻘﻄﺎع‪.‬‬ ‫ً ا ﻋﻠﻰ إﻧﺸﺎء ﻣﺠﻠﺲ ُﻳﺮﺳﻲ ﻣﻌﺎﻳﻴﺮ‬ ‫ّ‬ ‫ّ‬ ‫ﻛﻞ ﻣﻦ اﻟﺤﻜﻮﻣﺔ ا´ﻣﺎراﺗﻴﺔ واﻟﻤﺼﺮف‬ ‫اﻟﻤﺮﻛﺰي ﻟﺪوﻟﺔ ا´ﻣﺎرات واﺗﺤﺎد ﻣﺼﺎرف‬ ‫ا´ﻣﺎرات ﻳﺪً ا ﺑﻴﺪ ﺑﻬﺪف وﺿﻊ اﻟﻤﺒﺎدئ‬ ‫اﻟﺘﻮﺟﻴﻬﻴﺔ ´ﻧﺸﺎء ﻫﻴﺌﺔ ﺷﺮﻋﻴﺔ ﻋﻠﻴﺎ‬ ‫ﻟﻠﻤﺼﺎرف؛ إذ واﻓﻘﺖ اﻟﺤﻜﻮﻣﺔ ﻓﻲ ﺷﻬﺮ ﻣﺎﻳﻮ ‪ 2016‬ﻋﻠﻰ إﻧﺸﺎء‬ ‫ﻫﺬه اﻟﻬﻴﺌﺔ ﻟﺘﻜﻮن اﻟﺠﻬﺔ اﻟﺘﻨﻈﻴﻤﻴﺔ اﻟﻮﻃﻨﻴﺔ اﻟﻤﺴﺆوﻟﺔ ﻋﻦ‬ ‫ّ‬ ‫وﻳﺘﻤﺜﻞ اﻟﻬﺪف‬ ‫وﺿﻊ ﻣﻌﺎﻳﻴﺮ ﻣﻨﺘﺠﺎت اﻟﺘﻤﻮﻳﻞ ا´ﺳﻼﻣﻲ‪،‬‬

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‫| اﻟﻌﺪد ‪15‬‬

‫اﻟﺮﺋﻴﺴﻲ ﻣﻦ ﺗﺄﺳﻴﺴﻬﺎ ﻓﻲ ﺻﻴﺎﻏﺔ اﻟﻤﺒﺎدئ اﻟﺘﻮﺟﻴﻬﻴﺔ‬ ‫اﻟﺨﺎﺻﺔ ﺑﻤﺆﺳﺴﺎت اﻟﺘﻤﻮﻳﻞ‬ ‫واﻟﺴﻴﺎﺳﺎت واﻟﻠﻮاﺋﺢ اﻟﺘﻨﻈﻴﻤﻴﺔ‬ ‫ّ‬ ‫ا´ﺳﻼﻣﻲ‪ ،‬وذﻟﻚ ﺑﻘﺼﺪ دﻋﻢ ﻧﻤﻮ ﻗﻄﺎع اﻟﺨﺪﻣﺎت اﻟﻤﺼﺮﻓﻴﺔ‬ ‫واﻟﻤﺎﻟﻴﺔ ا´ﺳﻼﻣﻴﺔ ﻓﻲ دوﻟﺔ ا´ﻣﺎرات‪.‬‬ ‫وﻗﺪ ﺳﺎﻫﻢ ﻗﻄﺎع اﻟﺘﻤﻮﻳﻞ ا´ﺳﻼﻣﻲ ﻓﻲ ﻧﻤﻮ اﻻﻗﺘﺼﺎد‬ ‫ا´ﺳﻼﻣﻲ ﻟﺪرﺟﺔ ّ‬ ‫أن ﻫﺬا ا®ﺧﻴﺮ ازدﻫﺮ ﺑﻤﻌﺪل ﻳﻔﻮق ﻧﻤﻮ‬ ‫اﻻﻗﺘﺼﺎد اﻟﻌﺎﻟﻤﻲ ﺑﻤﺮّ ﺗﻴﻦ‪ ،‬وﻫﻮ ﻟﻴﺲ ﺑﺎ®ﻣﺮ اﻟﻤﺴﺘﻐﺮب ﺑﻤﺎ أن‬ ‫‪www.EmiratesReview.ae‬‬

‫ﺗﻜﻨﻮﻟﻮﺟﻴﺎ اﻟﻤﻌﻠﻮﻣﺎت‬

‫دار اﻟﺘﻤﻮﻳﻞ ﻟ‪Ì‬وارق اﻟﻤﺎﻟﻴﺔ ﺗﺤﺼﺪ ﺟﺎﺋﺰة‬ ‫ﻋﻦ ﺗﻄﺒﻴﻘﻬﺎ ﻟﻠﺘﺪاول ﻋﺒﺮ اﻟﻬﺎﺗﻒ‬ ‫ﻃﻮ‬ ‫ّ‬

‫ﻓﺎزت‬

‫دار اﻟﺘﻤﻮﻳﻞ ﻟ‪Ì‬وراق اﻟﻤﺎﻟﻴﺔ )ش‪.‬م‪.‬ع(‪ -‬ذراع‬ ‫اﻟﻮﺳﺎﻃﺔ اﻟﻤﺎﻟﻴﺔ اﻟﺘﺎﺑﻊ ﻟﺪار اﻟﺘﻤﻮﻳﻞ‪-‬‬ ‫ﺑﺠﺎﺋﺰة ﺗﻘﺪﻳﺮ ﻣﻦ ﺳﻮق دﺑﻲ اﻟﻤﺎﻟﻲ‬ ‫)‪ (DFM‬ﻋﻦ ﺗﻄﺒﻴﻘﻬﺎ ﻟﻠﺘﺪاول ﻋﺒﺮ اﻟﻬﺎﺗﻒ‬ ‫اﻟﻤﺤﻤﻮل ﻓﻲ ﺣﻔﻞ ﺗﻮزﻳﻊ ﺟﻮاﺋﺰ "ﺟﻴﺘﻜﺲ ‪."2016‬‬ ‫ﱟ‬ ‫ﻛﻞ ﻣﻦ ﺳﻮق‬ ‫وﻳﻤﻨﺢ اﻟﺘﻄﺒﻴﻖ اﻟﻌﻤﻼء ﺣﻖ اﻻﺳﺘﻔﺎدة ﻣﻦ‬ ‫أﺑﻮﻇﺒﻲ ﻟ‪Ì‬وراق اﻟﻤﺎﻟﻴﺔ )‪ (ADX‬وﺳﻮق دﺑﻲ اﻟﻤﺎﻟﻲ )‪، (DFM‬‬ ‫ﻣﺴﺘﺠﺪات ا®ﺳﻌﺎر‬ ‫ﺑﺤﻴﺚ ﻳﺘﻴﺢ ﻟﻬﻢ ﺗﺪاول ا®ﺳﻬﻢ وﻣﺘﺎﺑﻌﺔ‬ ‫ّ‬ ‫وﻣﺮاﻗﺒﺔ ﻣﺤﺎﻓﻈﻬﻢ اﻻﺳﺘﺜﻤﺎرﻳﺔ ﻓﻀ ًﻠﺎ ﻋﻦ ﺷﺮاء ا®وراق اﻟﻤﺎﻟﻴﺔ‬ ‫وﺑﻴﻌﻬﺎ‪.‬‬ ‫وﻗﺎل أﻳﻤﻦ اﻟﺨﻄﻴﺐ‪ ،‬اﻟﻤﺪﻳﺮ اﻟﻌﺎم ﻟﺪار اﻟﺘﻤﻮﻳﻞ ﻟ‪Ì‬وراق اﻟﻤﺎﻟﻴﺔ‪:‬‬ ‫"ﻳﺸﺮﻓﻨﺎ اﻟﻔﻮز ﺑﺠﺎﺋﺰة اﻟﺘﻘﺪﻳﺮ ﺑﺼﻔﺔ أﻓﻀﻞ ﻣﻮﻓﺮ ﻟﺘﻄﺒﻴﻘﺎت‬ ‫اﻟﺘﺪاول ﻋﺒﺮ اﻟﺠﻮال ﻟﻌﺎم ‪ 2016‬ﻓﻲ دوﻟﺔ ا´ﻣﺎرات اﻟﻌﺮﺑﻴﺔ‬ ‫داﺋﻤﺎ ﻟﺘﻘﺪﻳﻢ اﻟﺤﻠﻮل ا®ﻛﺜﺮ اﺑﺘﻜﺎرًا‬ ‫اﻟﻤﺘﺤﺪة‪ ،‬ﻓﻨﺤﻦ ﻧﺴﻌﻰ‬ ‫ً‬ ‫ّ‬ ‫وﺗﻤﺜﻞ ﻫﺬه اﻟﺠﺎﺋﺰة دﻟﻴ ًﻠﺎ ﻳﺆﻛﺪ ﺗﻤﻴّﺰ‬ ‫وﺗﻤﻴ ًﺰا ﻟﻠﻤﺴﺘﺜﻤﺮﻳﻦ‪.‬‬ ‫ﺗﻄﺒﻴﻘﻨﺎ اﻟﻤﺠﺎﻧﻲ ﻟﻠﺘﺪاول ﻋﺒﺮ اﻟﻬﺎﺗﻒ اﻟﺠﻮال‪ ،‬وﻣﺎ ﻳﺘﻴﺤﻪ ﻣﻦ‬ ‫ّ‬ ‫ﻳﻌﺰز ﺗﺠﺮﺑﺔ اﻟﺘﺪاول ﻟﻌﻤﻼﺋﻨﺎ‬ ‫ﻗﻴﻤﺔ ﻟﻠﺴﻮق ا´ﻣﺎراﺗﻴﺔ‪ ،‬ﺣﻴﺚ‬ ‫اﻟﻜﺮام ﻣﻦ ﺧﻼل ﺗﺰوﻳﺪﻫﻢ ﺑﺘﻄﺒﻴﻖ آﻣﻦ وﺳﻬﻞ اﻻﺳﺘﺨﺪام‬ ‫ﻣﻤﺎ ﻳﺘﻴﺢ ﻟﻬﻢ اﻟﺘﺪاول ﻓﻲ أي وﻗﺖ وﻓﻲ أي ﻣﻜﺎن"‪.‬‬ ‫وﻳﻤﻜﻦ ﺗﺤﻤﻴﻞ اﻟﺘﻄﺒﻴﻖ‪ -‬اﻟﺬي ﻳﻌﺘﺒﺮ ﻣﻦ ﺑﻴﻦ أوﻟﻰ اﻟﺘﻄﺒﻴﻘﺎت‬ ‫ﻣﻦ ﻧﻮﻋﻪ ﻓﻲ اﻟﺴﻮق ا´ﻣﺎراﺗﻴﺔ‪ -‬ﻋﻦ ﻃﺮﻳﻖ ﻣﺘﺠﺮ "آﺑﻞ ﺳﺘﻮر"‬ ‫‪ Apple App Store‬أو "ﺟﻮج ﺑﻼي" ‪ ،Google Play‬وﺑﻬﺬا اﻟﺸﻜﻞ ﻻ‬ ‫ﻳﻌﻮد ﺗﺤﻘﻴﻖ ا®رﺑﺎح ﻋﺒﺮ اﻟﺘﺪاول ﻣﻘﺘﺼﺮًا ﻋﻠﻰ اﻟﺨﺒﺮاء اﻟﻤﺎﻟﻴﻴﻦ‬ ‫ﻓﺤﺴﺐ‪ ،‬ﺑﻞ ﺑﺎت ا‪ð‬ن ﺑﺈﻣﻜﺎن أﺻﺤﺎب اﻻﺳﺘﺜﻤﺎرات اﻟﺼﻐﻴﺮة‬ ‫ﺗﺪاول ا®ﺳﻬﻢ وﻣﺘﺎﺑﻌﺔ ا®ﺳﻌﺎر وﻣﺮاﻗﺒﺔ اﺳﺘﺜﻤﺎراﺗﻬﻢ اﻟﺨﺎﺻﺔ‬ ‫ﺑﺄﻧﻔﺴﻬﻢ‪.‬‬ ‫وﻟﻴﺲ ﺑﺎﻟﻀﺮورة أن ﺗﻜﻮﻧﻮا ﻣﺪراء ﺻﻨﺎدﻳﻖ ﺗﺤﻮّ ط أو ﺧﺒﺮاء أو أن‬ ‫ﻣﺆﻫﻼت ﻓﻲ ﻣﺠﺎل اﻟﺘﺪاول ﻣﻦ أﺟﻞ اﻻﺳﺘﻔﺎدة ﻣﻦ ﻫﺬا‬ ‫ﺗﻤﻠﻜﻮا‬ ‫ٍ‬ ‫اﻟﺘﻄﺒﻴﻖ اﻟﻌﻤﻠﻲ ﺳﻬﻞ اﻻﺳﺘﺨﺪام‪ ،‬إذ أردف أﻳﻤﻦ اﻟﺨﻄﻴﺐ‪،‬‬ ‫داﺋﻤﺎ‬ ‫اﻟﻤﺪﻳﺮ اﻟﻌﺎم ﻟﺪار اﻟﺘﻤﻮﻳﻞ ﻟ‪Ì‬وراق اﻟﻤﺎﻟﻴﺔ‪ ،‬ﻗﺎﺋ ًﻠﺎ‪" :‬ﻧﺴﻌﻰ‬ ‫ً‬ ‫ً‬ ‫وﻣﻼءﻣﺔ‪ .‬و ُﺗﻌﺘﺒﺮ‬ ‫إﻟﻰ ﺗﺰوﻳﺪ ﻣﺴﺘﺜﻤﺮﻳﻨﺎ ﺑﺎﻟﺤﻠﻮل ا®ﻛﺜﺮ اﺑﺘﻜﺎرًا‬ ‫اﻟﺨﻄﻮة اﻟﺘﻲ اﺗﺨﺬﻧﺎﻫﺎ ﺧﻴﺮ ﻣﺜﺎل ﻋﻦ اﻟﻤﺴﺎﻋﻲ اﻟﻤﺴﺘﻤﺮة‬ ‫ﻟﺘﺤﺴﻴﻦ ﺗﺠﺮﺑﺔ اﻟﺘﺪاول ﻟﺪى ﻋﻤﻼﺋﻨﺎ ﻋﺒﺮ ﺗﺰوﻳﺪﻫﻢ ﺑﺘﻄﺒﻴﻖ‬

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‫اﻟﺠﻮال‬ ‫ً ﺎ ﺑﻔﻀﻞ ﺗﻄﺒﻴﻖ ﺟﺪﻳﺪ ﻋﻠﻰ‬ ‫ّ‬

‫ﻣﻮﺛﻮق وآﻣﻦ ﻋﻠﻰ ﺟﻮّ اﻟﻬﻢ ﻣﻦ ﺷﺄﻧﻪ ﺗﺴﻬﻴﻞ ﺗﺠﺮﺑﺔ ﺗﺪاول‬ ‫ا®ﺳﻬﻢ ﻓﻲ أي زﻣﺎن وﻣﻜﺎن"‪.‬‬ ‫ﻳﻮﻣﺎ ﺑﻌﺪ ﻳﻮم ﺑﺼﻔﺘﻬﺎ‬ ‫اﻟﻤﺎﻟﻴﺔ‬ ‫ﻟ‪Ì‬وراق‬ ‫وﺗﺰداد ﺷﻬﺮة دار اﻟﺘﻤﻮﻳﻞ‬ ‫ً‬ ‫دارًا اﺳﺘﺜﻤﺎرﻳﺔ ﻳﺘﻤﺤﻮر ﺗﺮﻛﻴﺰﻫﺎ ﺣﻮل اﻟﻌﻤﻴﻞ ﻗﺒﻞ ﻛﻞ ﺷﻲء‪.‬‬ ‫وﻗﺪ ﻓﺎزت ﻓﻲ اﻟﻌﺎم ‪ 2015‬ﺑﺠﺎﺋﺰة أﻓﻀﻞ ﺧﺪﻣﺔ ﻣﺤﻠﻴﺔ ﻟﺘﺪاول‬ ‫ا®ﺳﻬﻢ ﻓﻲ ﺣﻔﻞ ﺟﻮاﺋﺰ "ﺑﺎﻧﻜﺮ ﻣﻴﺪل إﻳﺴﺖ" ﻟﻠﻤﻨﺘﺠﺎت ‪،2015‬‬ ‫وذﻟﻚ ﻟﻠﺴﻨﺔ اﻟﺜﺎﻧﻴﺔ ﻋﻠﻰ اﻟﺘﻮاﻟﻲ‪.‬‬ ‫وﻳﺘﺎﺑﻊ اﻟﺨﻄﻴﺐ ﻗﺎﺋ ًﻠﺎ‪" :‬ﻧﺤﻦ ﻓﺨﻮرون ﺑﺈﺿﺎﻓﺔ ﻫﺬا ا´ﻧﺠﺎز إﻟﻰ‬ ‫ّ‬ ‫ﻗﺪﻣﺎ ﻓﻲ‬ ‫ﻳﺤﻔﺰﻧﺎ ﻋﻠﻰ اﻟﻤﻀﻲ‬ ‫ﻣﺴﻴﺮﺗﻨﺎ اﻟﻨﺎﺟﺤﺔ‪ ،‬وﻫﻮ ﻣﺎ‬ ‫ً‬ ‫ﺗﻄﻠﻌﺎﺗﻨﺎ وﻣﻮاﺻﻠﺔ ﺗﻮﺳﻴﻊ ﺳﺠﻼﺗﻨﺎ اﻟﺤﺎﻓﻠﺔ ﺑﺎ´ﻧﺠﺎزات‪،‬‬ ‫داﺋﻤﺎ ﻣﻦ ﺷﻐﻔﻨﺎ ﺑﺘﺰوﻳﺪ ﻋﻤﻼﺋﻨﺎ ﺑﺘﺠﺮﺑﺔ ﻋﺎﻟﻴﺔ اﻟﺠﻮدة"‪.‬‬ ‫واﻟﻨﺎﺑﻌﺔ‬ ‫ً‬ ‫ّ‬ ‫ﻳُﺸﺎر إﻟﻰ أن دار اﻟﺘﻤﻮﻳﻞ ﻟ‪Ì‬وراق ﺗﺘﺒﻊ ﻟﺪار اﻟﺘﻤﻮﻳﻞ ش‪.‬م‪.‬ع‬ ‫)ﻣﺠﻤﻮﻋﺔ دار اﻟﺘﻤﻮﻳﻞ( اﻟﺘﻲ ﻳﻘﻊ ﻣﻘﺮﻫﺎ اﻟﺮﺋﻴﺴﻲ ﻓﻲ أﺑﻮﻇﺒﻲ‪.‬‬ ‫ﺧﺪﻣﺎت ﻣﺒﺘﻜﺮة‬ ‫وﺗﻘﺪم دار اﻟﺘﻤﻮﻳﻞ ﻟ‪Ì‬وراق اﻟﻤﺎﻟﻴﺔ ﻟﻌﻤﻼﺋﻬﺎ‬ ‫ٍ‬ ‫ّ‬ ‫وﻋﺎﻟﻴﺔ اﻟﻤﺴﺘﻮى ﻓﻲ ﻣﺠﺎل اﻟﻮﺳﺎﻃﺔ وﺗﺪاول ا®ﺳﻬﻢ ﺑﻐﻴﺔ‬ ‫ﺳﺪ اﻟﻔﺠﻮات وﺗﺸﺠﻴﻊ اﻟﻤﻨﺎﻓﺴﺔ ﻓﻲ اﻟﺴﻮق‪ ،‬وذﻟﻚ اﻋﺘﻤﺎدً ا‬ ‫ﻋﻠﻰ ﻓﺮﻳﻘﻬﺎ اﻟﺬي ﻳﺘﻤ ّﺘﻊ ﺑﺒﺎع ﻃﻮﻳﻞ وإﻟﻤﺎم واﺳﻊ ﻓﻲ ﻣﺠﺎﻟﻪ‪.‬‬ ‫وﺗﺨﻀﻊ دار اﻟﺘﻤﻮﻳﻞ ﺗﻨﻈﻴﻤﻴًﺎ ﻟﻬﻴﺌﺔ ا®وراق اﻟﻤﺎﻟﻴﺔ واﻟﺴﻠﻊ ﻓﻲ‬ ‫ا´ﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‪.‬‬

‫| اﻟﻌﺪد ‪15‬‬

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‫اﻻﺳﺘﺜﻤﺎرات‬ ‫ا®ﻣﺮﻳﻜﻴﺔ‪ ،‬ﺣﻴﺚ أدى اﻟﻔﻮز اﻟﻤﻔﺎﺟﺊ ﻟﺪوﻧﺎﻟﺪ ﺗﺮاﻣﺐ ﺑﺎدئ ا®ﻣﺮ‬ ‫إﻟﻰ ﻫﺒﻮط ﻣﻔﺎﺟﺊ ﻓﻲ ا®ﺳﻮاق‪ّ ،‬‬ ‫وﻟﻜﻦ ﺳﺮﻋﺎن ﻣﺎ ﻋﺎدت ا®ﻣﻮر‬ ‫إﻟﻰ ﻧﺼﺎﺑﻬﺎ‪® ،‬ن ا®ﺳﻮاق ﻏﺎﻟﺒًﺎ ﻣﺎ ﺗﺘﻌﺮض ﻟﻬﺬا اﻟﻨﻮع ﻣﻦ‬ ‫اﻟﺘﺄﺛﻴﺮات ﺑﻌﺪ اﻻﻧﺘﺨﺎﺑﺎت اﻟﻜﺒﻴﺮة‪.‬‬ ‫وﻓﻲ ﺣﻴﻦ ﻳﺤﺎﻓﻆ ﺑﻨﻚ اﻻﺣﺘﻴﺎﻃﻲ اﻟﻔﻴﺪراﻟﻲ ا®ﻣﺮﻳﻜﻲ ﻣﻨﺬ‬ ‫ﻓﺘﺮة ﻃﻮﻳﻠﺔ ﻋﻠﻰ أﺳﻌﺎر ﻓﺎﺋﺪة ﻣﻨﺨﻔﻀﺔ ﺑﻤﺴﺘﻮﻳﺎت ﻏﻴﺮ‬ ‫ﻣﺴﺒﻮﻗﺔ‪ ،‬ﻓﺈ ّﻧﻪ ﺛﻤﺔ ﺗﻮﻗﻌﺎت ﺑﺄن ﺳﻴﺎﺳﺔ ﺗﺮاﻣﺐ اﻟﻤﺎﻟﻴﺔ ‪ -‬اﻟﺘﻲ‬ ‫ّ‬ ‫ﺗﺮﻛﺰﻋﻠﻰ اﻻﺳﺘﺜﻤﺎر ﻓﻲ اﻟﺒﻨﻴﺔ اﻟﺘﺤﺘﻴﺔ وﺧﻔﺾ اﻟﻀﺮاﺋﺐ‬ ‫اﻟﻤﺆﺳﺴﻴﺔ‪ -‬ﺳﺘﻜﻮن ﺑﻤﺜﺎﺑﺔ ﺣﺎﻓﺰ ﻟﻠﻨﺸﺎط اﻻﻗﺘﺼﺎدي‪،‬‬ ‫ّ‬ ‫داﻓﻌﺎ ﻟﻠﻔﻴﺪراﻟﻲ ﻛﻲ ﻳﺮﻓﻊ أﺳﻌﺎر اﻟﻔﺎﺋﺪة ﺧﻼل‬ ‫وﺳﺘﺸﻜﻞ‬ ‫ً‬ ‫وﻗﺖ ﻻﺣﻖ ﻣﻦ اﻟﻌﺎم اﻟﺠﺎري‪.‬‬ ‫وﻛﺎن اﻟﻔﻴﺪراﻟﻲ ﻗﺪ ﻗﺮّ ر ﻓﻲ اﺟﺘﻤﺎﻋﻪ اﻟﻤﻨﻌﻘﺪ ﺑﺘﺎرﻳﺦ ‪21‬‬ ‫ﺳﺒﺘﻤﺒﺮ ‪ 2016‬اﻟﺤﻔﺎظ ﻋﻠﻰ أﺳﻌﺎر اﻟﻘﺮوض اﻟﻔﻴﺪراﻟﻴﺔ ﺑﻴﻦ ‪0٬25-‬‬ ‫‪ 0٬50‬ﺑﺎﻟﻤﺌﺔ‪ ،‬وذﻟﻚ ﻧﻈﺮًا ﻟﻠﻤﺨﺎوف ﻣﻦ ﺗﺒﺎﻃﺆ ﻧﻤﻮ اﻻﻗﺘﺼﺎد‬ ‫اﻟﻌﺎﻟﻤﻲ‪ .‬وﻟﻜﻦ ﺑﺎﻟﻤﻘﺎﺑﻞ ﺛﻤﺔ ﺑﻮادر ﻋﺪﻳﺪة ﺗﻌﻜﺲ ﺗﺤﺴ ًﻨﺎ‪،‬‬ ‫وﻻﺳﻴﻤﺎ ﻓﻲ ﺳﻮق اﻟﻌﻤﻞ؛ ﺣﻴﺚ ﻳﺸﻴﺮ ﺗﻘﺮﻳﺮ ﺳﻮق اﻟﻌﻤﻞ اﻟﺼﺎدر‬ ‫ﺑﺘﺎرﻳﺦ ‪ 5‬أﻛﺘﻮﺑﺮ ‪ 2016‬إﻟﻰ أن ﻋﺪد ﺣﺎﻻت اﻟﺒﻄﺎﻟﺔ اﻟﻤﺼﺮّ ح ﻋﻨﻬﺎ‬ ‫أﻟﻔﺎ إﻟﻰ ‪ً 249‬‬ ‫اﻧﺨﻔﺾ ﻣﻦ ‪ً 254‬‬ ‫أﻟﻔﺎ‪.‬‬ ‫وﻗﺪ ﺗﻔﻀﻲ ﻫﺬه اﻟﺘﻄﻮرات ﺟﻤﻴﻌﻬﺎ إﻟﻰ رﻓﻊ أﺳﻌﺎر اﻟﻔﺎﺋﺪة‬ ‫اﻟﻬﺎﻣﺔ‬ ‫ﻗﺮﻳﺒًﺎ‪ ،‬ﻣﻤﺎ ﺳﻴﺪﻓﻊ اﻟﻤﺴﺘﺜﻤﺮﻳﻦ ﻟﻨﻘﻞ رؤوس أﻣﻮاﻟﻬﻢ‬ ‫ّ‬ ‫إﻟﻰ أﺻﻮل ﻣﺤﺴﻮﺑﺔ ﺑﺎﻟﺪوﻻر‪ ،‬ا®ﻣﺮ اﻟﺬي ﺳﻴﺮﻓﻊ ﺑﺎﻟﺘﺎﻟﻲ ﻗﻴﻤﺔ‬ ‫اﻟﺪوﻻر ا®ﻣﺮﻳﻜﻲ‪.‬‬ ‫اﻟﺘﺄﺛﻴﺮ ﻋﻠﻰ ﻣﺠﻠﺲ اﻟﺘﻌﺎون‬ ‫ﺳﻴﻜﻮن ارﺗﻔﺎع ﻗﻴﻤﺔ اﻟﺪوﻻر ﻣﻦ ﺑﻴﻦ اﻟﻌﻮاﻣﻞ اﻟﻌﺪﻳﺪة اﻟﺘﻲ‬ ‫ﺳﺘﺆدي إﻟﻰ اﻧﺨﻔﺎض أﺳﻌﺎر اﻟﺴﻠﻊ‪ ،‬ﻣﻤﺎ ﺳﻴﺴﻔﺮ ﺑﺎﻟﺘﺎﻟﻲ ﻋﻦ‬ ‫اﻧﺨﻔﺎض ﻣﺴﺘﻮﻳﺎت اﻟﻨﻔﻂ اﻟﺨﺎم ﻣﻊ ﺗﺤﻔﻴﺰ ﺣﺎﻟﺔ ﺑﻴﻊ ﺷﺎﻣﻠﺔ‬ ‫ﻓﻲ اﻟﻤﻠﻜﻴﺎت اﻟﺨﻠﻴﺠﻴﺔ‪.‬‬

‫‪www.EmiratesReview.ae‬‬

‫وﻛﺎن اﻟﻨﻔﻂ اﻟﺨﺎم ﻗﺪ أﻏﻠﻖ ﻋﻨﺪ ﺳﻌﺮ ‪ 51٬9‬دوﻻر ﻟﻠﺒﺮﻣﻴﻞ ﻓﻲ‬ ‫‪ 7‬أﻛﺘﻮﺑﺮ اﻟﻌﺎم اﻟﻤﺎﺿﻲ إﺛﺮ ﻗﺮار ”أوﺑﻚ“ ﺧﻔﺾ ا´ﻧﺘﺎج ﻓﻲ‬ ‫ﻣﺴﻌﻰ ﻣﻨﻬﺎ ´ﻋﺎدة اﺳﺘﻘﺮار أﺳﻮاق اﻟﻨﻔﻂ ﻋﻠﻰ اﻟﻤﺪى اﻟﻘﺼﻴﺮ‪،‬‬ ‫وﻟﻜﻦ ﺑﺎﻟﻤﻘﺎﺑﻞ ﺳﻴﻜﻮن أي ارﺗﻔﺎع إﺿﺎﻓﻲ ﻓﻲ أﺳﻌﺎر اﻟﻨﻔﻂ‬ ‫ﻣﺤﺪودً ا ﺑﺴﺒﺐ ارﺗﻔﺎع ﻋﺪد اﻟﻤﻨﺼﺎت اﻟﻤﻮﺿﻮﻋﺔ ﻗﻴﺪ اﻟﺘﺸﻐﻴﻞ‬ ‫ّ‬ ‫اﻟﻤﺸﻐﻠﺔ ﺣﻮل‬ ‫وازدﻳﺎد اﻟﻤﺨﺰوﻧﺎت؛ ﻓﻘﺪ ارﺗﻔﻊ ﻋﺪد اﻟﻤﻨﺼﺎت‬ ‫اﻟﻌﺎﻟﻢ إﻟﻰ ‪ 425‬ﻣﻨﺼﺔ‪ ،‬وذﻟﻚ ﻛﻨﺘﻴﺠﺔ ﻻزدﻳﺎد أﻧﺸﻄﺔ اﻟﺘﻨﻘﻴﺐ‬ ‫ﻓﻲ اﻟﻮﻻﻳﺎت اﻟﻤﺘﺤﺪة‪ ،‬وﻣﻦ اﻟﻤﺤﺘﻤﻞ أن ﻳﺆدي ﻫﺬا ا®ﻣﺮ ﻟﺰﻳﺎدة‬ ‫ﻓﻲ اﻟﻤﻌﺮوض‪ ،‬وﺑﺎﻟﺘﺎﻟﻲ ﻫﺒﻮط أﺳﻌﺎر اﻟﻨﻔﻂ اﻟﺨﺎم إﻟﻰ‬ ‫ﻣﺴﺘﻮﻳﺎت أدﻧﻰ‪.‬‬ ‫اﻟﻤﻨﻈﻮر‬ ‫ﻣﺎ زال اﻟﻤﻨﻈﻮر اﻟﻌﺎم إﻳﺠﺎﺑﻴًﺎ ﻓﻲ اﻟﺴﻮق ا´ﻣﺎراﺗﻴﺔ ﺑﻔﻀﻞ‬ ‫ا´ﺟﺮاءات اﻟﻤﺘﺨﺬة ﺑﻬﺪف اﻟﺤﺪ ﻣﻦ اﻋﺘﻤﺎد اﻻﻗﺘﺼﺎد ا´ﻣﺎراﺗﻲ‬ ‫ﻋﻠﻰ اﻟﻨﻔﻂ‪ ،‬ﻏﻴﺮ أن اﻟﺘﻄﻮرات اﻻﻗﺘﺼﺎدﻳﺔ اﻟﻜﻠﻴﺔ اﻟﻮاردة أﻋﻼه ﻗﺪ‬ ‫ﺗﺘﺴﺒﺐ ﺑﺘﻘﻠﺒﺎت ﻓﻲ ا®ﺳﻮاق ا´ﻣﺎراﺗﻴﺔ ﻋﻠﻰ اﻟﻤﺪى اﻟﻘﺼﻴﺮ إﻟﻰ‬ ‫وﺑﻨﺎء ﻋﻠﻰ ذﻟﻚ ﺳﻮف ﻧﻌﺘﻤﺪ ﻧﻈﺮة ﺗﻔﺎؤﻟﻴﺔ ﺑﺤﺬر‬ ‫اﻟﻤﺘﻮﺳﻂ‪.‬‬ ‫ً‬ ‫ﺣﻴﺎل ﻣﻨﻬﺠﻴﺘﻨﺎ اﻻﺳﺘﺜﻤﺎرﻳﺔ ﻣﻊ ﺑﺪاﻳﺔ اﻟﺴﻨﺔ اﻟﻤﺎﻟﻴﺔ ‪.2017‬‬

‫| اﻟﻌﺪد ‪15‬‬

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‫اﻻﺳﺘﺜﻤﺎرات‬

‫ﺗﻌﻴﺶ ﻓﺘﺮة ﺳﺎﺧﻨﺔ‬ ‫اﻟﺮاﻫﻨﺔ إزاء اﻻﻗﺘﺼﺎد اﻟﻜ ّﻠﻲ‪ ،‬وازدﻳﺎد ﻗﻮة اﻟﺪوﻻر ﺑﺎﻟﺘﻮازي ﻣﻊ اﻧﺨﻔﺎض أﺳﻌﺎر اﻟﺴﻠﻊ‪ ،‬وذﻟﻚ ﻋﻠﻰ‬ ‫ﺣﺪ ﺗﻌﺒﻴﺮ ﻣﺤﻤﺪ وﺳﻴﻢ ﺧ ّﻴﺎﻃﺔ‪ ،‬اﻟﻌﻀﻮ اﻟﻤﻨﺘﺪب ﻟﺸﺮﻛﺔ 'ﻛﺎب إم ﻟﻼﺳﺘﺜﻤﺎر'‪.‬‬

‫أدى‬ ‫ّ‬

‫إﻟﻰ ﺗﻔﺎﻗﻢ اﻟﻤﺼﺎﻋﺐ اﻟﺘﻲ ﻳﻮاﺟﻬﺎ اﻻﻗﺘﺼﺎد‬ ‫اﻟﻌﺎﻟﻤﻲ اﻟﻤﺘﺒﺎطﺊ أﺻ ًﻠﺎ واﻟﺬي ﻣﻦ اﻟﻤﺘﻮﻗﻊ ﻟﻪ‬ ‫ﻋﻠﻤﺎ أن ﻫﺬا اﻟﺘﻘ ّﻠﺺ‬ ‫أن ﻳﺘﻘ ّﻠﺺ ﺑﻤﻘﺪار ‪ 0٬4‬ﺑﺎﻟﻤﺌﺔ ﻓﻲ ﻛﻞ رﺑﻊ‪،‬‬ ‫ً‬ ‫ﺑﺤﺴﺐ ﺗﻘﺮﻳﺮ ﺻﺎدر ﻋﻦ ﻣﺆﺷﺮ ‪Markit‬‬ ‫‪ .PMI‬وﻣﻦ اﻟﻮاﺿﺢ ﺑﺄن اﻣﺘﺼﺎص اﻟﺼﺪﻣﺔ اﻟﻨﺎﺟﻤﺔ ﻋﻦ ﺧﺮوج‬ ‫ً ﺎ ﻃﻮﻳ ًﻠﺎ‪ ،‬وﺳﻴﻜﻮن‬ ‫ﻟﻬﺬا اﻟﻘﺮار اﻟﺘﺒﻌﺎت اﻟﺘﺎﻟﻴﺔ‪:‬‬

‫‪1‬‬ ‫ﻳﻌﺰى أﻏﻠﺐ اﻟﻨﺸﺎط اﻟﺘﺠﺎري ﻓﻲ اﻟﻤﻤﻠﻜﺔ اﻟﻤﺘﺤﺪة إﻟﻰ اﻟﻌﻼﻗﺎت‬ ‫ّ‬ ‫اﻟﺘﻀﺨﻢ‪ :‬ﺳﻴﻜﻮن ﻣﻦ ﺷﺄن اﻧﺨﻔﺎض ﻗﻴﻤﺔ‬ ‫ﻣﻌﺪل‬ ‫‪ .‬ارﺗﻔﺎع‬ ‫ّ‬ ‫اﻟﻤﺘﺤﺪة‬ ‫ﺻﺮف اﻟﻌﻤﻠﺔ أن ﻳﺮﻓﻊ ﻣﻌﺪل اﻟﺘﻀﺨﻢ ﻓﻲ اﻟﻤﻤﻠﻜﺔ‬ ‫ّ‬ ‫ﺑﻤﻘﺪار واﺣﺪ ﺑﺎﻟﻤﺌﺔ ﺳﻨﻮﻳًﺎ‪.‬‬ ‫ّ‬ ‫اﻟﺘﻀﺨﻢ إﻟﻰ‬ ‫‪ .4‬اﻻﻧﻜﻤﺎش اﻻﺋﺘﻤﺎﻧﻲ‪ :‬ﺳﻴﺆدي ارﺗﻔﺎع ﻣﺴﺘﻮى‬ ‫اﻧﺨﻔﺎض دﺧﻞ اﻟﻌﺎﺋﻠﺔ اﻟﺒﺮﻳﻄﺎﻧﻴﺔ‪ ،‬وﻫﻮ ﻣﺎ ﻗﺪ ﻳﻔﻀﻲ ﺑﺪوره إﻟﻰ‬ ‫اﻟﻄﻠﺐ‪ ،‬وذﻟﻚ ﻣﻊ اﻟﺘﺴﺒﺐ ﺑﺂﺛﺎر ﺳﻠﺒﻴﺔ ﻋﻠﻰ ﺛﺮوات اﻟﻤﺴﺘﺜﻤﺮﻳﻦ‬ ‫اﻟﻄﺎﻣﺤﻴﻦ إﻟﻰ اﺳﺘﺜﻤﺎر رؤوس أﻣﻮاﻟﻬﻢ ﻓﻲ اﻟﻤﻤﻠﻜﺔ اﻟﻤﺘﺤﺪة‪.‬‬ ‫‪ .5‬ﻫﻮّ ة اﺋﺘﻤﺎﻧﻴﺔ ﻣﺘﻨﺎﻣﻴﺔ‪ :‬ﺳﺘﺆدي ﻣﺤﺪودﻳﺔ اﻟﺴﻴﻮﻟﺔ ً‬ ‫أﻳﻀﺎ‬ ‫إﻟﻰ اﺗﺴﺎع اﻟﻔﻮارق ﻓﻲ ﻣﻘﺎﻳﻀﺎت ﻣﺨﺎﻃﺮ اﻻﺋﺘﻤﺎن )‪ ،(CDS‬ﻣﻤﺎ‬ ‫ﺳﻴﺠﻌﻞ اﻟﺒﻼد ﻣﻌﺮّ ﺿﺔ ﺑﺸﻜﻞ أﻛﺒﺮ ﻟﺨﻄﺮ اﻟﻮﻗﻮع ﻓﻲ اﻟﻌﺠﺰ‪.‬‬ ‫ﻣﻦ اﻟﻤﺤﺘﻤﻞ أن ﺗﺆدي اﻟﻌﻮاﻗﺐ آﻧﻔﺔ اﻟﺬﻛﺮ إﻟﻰ اﻧﺘﻘﺎل‬ ‫ﻣﻼذات آﻣﻨﺔ ﻧﺴﺒ ًﻴ‬ ‫ّﺔ‬ ‫ﻟﻠﻤﻠﻜﻴﺎت اﻟﻌﺎﻟﻤﻴﺔ‪ ،‬ﺑﻤﺎ ﻳﺸﻤﻞ ﺑﻌﺾ ﺣﺼﺺ اﻟﻤﻠﻜﻴﺔ ﻓﻲ‬ ‫‪ .2‬ﺗﺮاﺟﻊ ﻗﻴﻤﺔ اﻟﻌﻤﻠﺔ‪ :‬ﺧﺴﺮ اﻟﺠﻨﻴﻪ اﻻﺳﺘﺮﻟﻴﻨﻲ ﻧﺤﻮ ﺑﺎﻟﻤﺌﺔ‬ ‫ﻣﻦ ﻗﻴﻤﺘﻪ ﻣﻨﺬ اﻟﺘﺼﻮﻳﺖ‪ ،‬ووﺻﻠﺖ ﻗﻴﻤﺔ ﺗﺪاوﻟﻪ ﻣﻘﺎﺑﻞ اﻟﺪوﻻر‬ ‫إﻟﻰ ‪) 1٬24‬أي أن ﻛﻞ ﺟﻨﻴﻪ واﺣﺪ ﻳﻌﺎدل ‪ 1٬24‬دوﻻر(‪،‬‬ ‫ﺑﺘﺎرﻳﺦ أﻛﺘﻮﺑﺮ‬ ‫وﻫﻮ أدﻧﻰ ﻣﺴﺘﻮى ﻳﺘﻢ ﺗﺴﺠﻴﻠﻪ ﻣﻨﺬ أواﺳﻂ اﻟﺜﻤﺎﻧﻴﻨﻴﺎت‪.‬‬

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‫| اﻟﻌﺪد ‪15‬‬

‫ﻓﻮز ﺗﺮاﻣﺐ ﺑﺎﻟﺮﺋﺎﺳﺔ ﻋﻠﻰ اﻻﻗﺘﺼﺎد ا‪À‬ﻣﺮﻳﻜﻲ‬ ‫ﺗﻠﻘﺖ اﻟﺴﻮق – اﻟﺘﻲ ﻣﺎ زاﻟﺖ ﺗﻌﻴﺶ آﺛﺎر ﺻﺪﻣﺔ اﻟﺒﺮﻳﻜﺴﺖ‪-‬‬ ‫ﺻﻔﻌﺔ ﻗﻮﻳﺔ ﻣﻊ اﻟﻨﺘﻴﺠﺔ ﻏﻴﺮ اﻟﻤﺘﻮﻗﻌﺔ ﻟﻼﻧﺘﺨﺎﺑﺎت اﻟﺮﺋﺎﺳﻴﺔ‬

‫‪www.EmiratesReview.ae‬‬

‫ﺗﻤﻮﻳﻞ اﻟﺸﺮﻛﺎت‬

‫ﻣﺨﺼﺼﺔ ﻟﻠﺸﺮﻛﺎت‬ ‫ﺣﻠﻮل‬ ‫ّ‬ ‫ﻣﻦ دار اﻟﺘﻤﻮﻳﻞ‬ ‫ﺗﻘﺪﻣﻬﺎ دار اﻟﺘﻤﻮﻳﻞ‬ ‫ﻣﺘﻨﻮﻋﺔ‬ ‫ﺑﺎﻗﺔ‬ ‫وﻣﺘﻄﻮرة ﻣﻦ اﻟﻤﻨﺘﺠﺎت واﻟﺨﺪﻣﺎت اﻟﻤﺎﻟﻴﺔ ّ‬ ‫ّ‬ ‫ّ‬

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‫ّ‬ ‫ﺷﻚ أن اﻟﺸﺮﻛﺎت ﺗﻮاﺟﻪ ﻓﻲ ﻋﻤﻠﻴﺎﺗﻬﺎ اﻟﻴﻮﻣﻴﺔ اﻟﻌﺪﻳﺪ‬ ‫ّ‬ ‫ﻟﻜﻦ اﻟﺘﻌﺎون ﻣﻊ دار اﻟﺘﻤﻮﻳﻞ ﻳﺴﻤﺢ ﻟﻜﻢ‬ ‫اﻟﺘﺤﺪﻳﺎت‪،‬‬ ‫ﻣﻦ‬ ‫ّ‬ ‫ﺑﺈزاﺣﺔ اﻟﻜﺜﻴﺮ ﻣﻦ اﻟﻀﻐﻮﻃﺎت اﻟﻴﻮﻣﻴﺔ ﻋﻦ ﻛﺎﻫﻠﻜﻢ‪،‬‬ ‫ﺣﻴﺚ ﺗﺰوّ دﻛﻢ اﻟﺪار ﺑﻤﺠﻤﻮﻋﺔ ﻣﻦ اﻟﻤﻨﺘﺠﺎت واﻟﺨﺪﻣﺎت اﻟﻤﺎﻟﻴﺔ‬ ‫اﻟﻤﻤﺘﺎزة اﻟﺘﻲ ﺗﺴﺎﻋﺪﻛﻢ ﻓﻲ اﻟﺘﺮﻛﻴﺰ ﻋﻠﻰ ﻧﺠﺎح ﺷﺮﻛﺘﻜﻢ ﺑﺪ ً‬ ‫ﻻ‬ ‫ﻣﻦ ﺗﺒﺪﻳﺪ ﻃﺎﻗﺘﻜﻢ ﻓﻲ اﻟﻘﻠﻖ ﻣﻦ اﻟﺘﺤﺪﻳﺎت اﻟﻤﺎﻟﻴﺔ‪.‬‬ ‫ﻟﻬﺬا اﻟﺴﺒﺐ ﻳﺘﻴﺢ ﻗﺴﻢ اﻟﺘﻤﻮﻳﻞ اﻟﺘﺠﺎري وﺗﻤﻮﻳﻞ اﻟﺸﺮﻛﺎت‬ ‫ً‬ ‫ﻣﻨﻔﺬا واﺣﺪً ا إﻟﻰ ﺑﺎﻗﺔ ﻣﺘﻜﺎﻣﻠﺔ ﻣﻦ اﻟﻤﻨﺘﺠﺎت اﻟﺘﺠﺎرﻳﺔ‬ ‫واﻟﺮأﺳﻤﺎﻟﻴﺔ واﻟﺨﻴﺎرات اﻟﻤﺎﻟﻴﺔ‪ ،‬واﻟﺘﻲ ﻳﺘﻢ ﺗﻘﺪﻳﻤﻬﺎ ﺣﺼﺮًا ﻣﻦ‬ ‫ِﻗﺒﻞ ﻓﺮﻳﻖ ﻣﺘﻤﺮّ س ﻣﻦ ﺧﺒﺮاء اﻟﺘﻤﻮﻳﻞ اﻟﻤﺪﻋﻮﻣﻴﻦ ﺑﺎﻟﻤﻮارد‬ ‫اﻟﻮﻓﻴﺮة اﻟﺘﻲ ﺗﺘﻤ ّﺘﻊ ﺑﻬﺎ دار اﻟﺘﻤﻮﻳﻞ‪.‬‬

‫ﺗﻤﻮﻳﻞ رأس اﻟﻤﺎل اﻟﻌﺎﻣﻞ‬ ‫ُﻳ‬ ‫اﻟﻤﻘﺘﺮﺿﺔ ﻣﻦ اﻟﺪاﺋﻨﻴﻦ وﺗﻀﻤﻦ‬ ‫أن ﺗﻤﺘﻠﻜﻬﺎ ﻛﻲ ّ‬ ‫ﺗﺴﺪد اﻟﻤﺒﺎﻟﻎ ُ‬ ‫ُﺣﺴﻦ ﺳﻴﺮ ﻋﻤﻠﻴﺎﺗﻬﺎ اﻟﺘﺠﺎرﻳﺔ اﻟﻴﻮﻣﻴﺔ؛ ﺣﻴﺚ ﻳُﻌﺮف اﻟﻔﺎرق ﺑﻴﻦ‬ ‫رأس اﻟﻤﺎل اﻟﻌﺎﻣﻞ وﻳﻌﺘﺒﺮ ﻣﺆﺷﺮًا رﺋﻴﺴﻴًﺎ ﻳﺘﺎﺑﻌﻪ اﻟﻤﺪﻳﺮ اﻟﻤﺎﻟﻲ‬ ‫أو اﻟﻤﺤﺎﺳﺐ ﻃﻴﻠﺔ اﻟﻮﻗﺖ‪ .‬وﻳﻤﻜﻦ ﺗﻌﺮﻳﻔﻪ ﺑﺎﺧﺘﺼﺎر ﻋﻠﻰ أﻧﻪ‬ ‫ﻛﻤﻴﺔ اﻟﻨﻘﺪ اﻟﺘﻲ ﻳﻤﻜﻦ ﻟﻠﺸﺮﻛﺔ اﺳﺘﺨﺪاﻣﻬﺎ ﺑﺴﺮﻋﺔ ﻓﺎﺋﻘﺔ‪ ،‬أو‬ ‫ﻣﺎ ﻳُﻌﺮف ً‬ ‫أﻳﻀﺎ ﺑﺎﻟﺴﻴﻮﻟﺔ اﻟﺘﺸﻐﻴﻠﻴﺔ‪.‬‬ ‫ُﻤﺜﻞ ﺿﻤﺎﻧﺔ ﻟﺘﺤﻘﻴﻖ‬ ‫اﻟﻨﺠﺎحَ‬ ‫اﻟﺘﻲ ﻧﺸﻬﺪﻫﺎ ﺣﺎﻟ ًﻴ‬ ‫ً‬ ‫ﻣﻔﺘﻘﺮة إﻟﻰ رأس اﻟﻤﺎل اﻟﻌﺎﻣﻞ؛‬ ‫ﺗﺠﺪ ﺑﻌﺾ اﻟﺸﺮﻛﺎت ﻧﻔﺴﻬﺎ‬ ‫ﻧﻘﺼﺎ ﻓﻲ رأس اﻟﻤﺎل اﻟﻌﺎﻣﻞ‪،‬‬ ‫ﻓﻬﺬا ﻳﻌﻨﻲ أن اﻟﺸﺮﻛﺔ ﺗﻮاﺟﻪ‬ ‫ً‬ ‫وﺳﺘﺠﺪ ﺑﺎﻟﺘﺎﻟﻲ ﺻﻌﻮﺑﺔ ﻓﻲ ﺗﻤﻮﻳﻞ اﻟﻤﺼﺎرﻳﻒ اﻟﻴﻮﻣﻴﺔ‪ ،‬ﻋﻠﻰ ﻏﺮار‬ ‫ِ‬ ‫ّ‬ ‫ّ ﺔ ﻟﻠﺪاﺋﻨﻴﻦ‪.‬‬ ‫اﻟﻤﻮﻇ‬ ‫رواﺗﺐ‬ ‫وﺑﻤﺎ أن ﻛﻞ ﺷﺮﻛﺔ ﺗﻌﺘﺒﺮ ﻋﺮﺿﺔ ﻟﻨﻘﺺ رأس اﻟﻤﺎل اﻟﻌﺎﻣﻞ‬ ‫اﻟﻔﻌﺎﻟﺔ اﻟﺘﻲ ﻣﻦ ﺷﺄﻧﻬﺎ ﺗﻮﻓﻴﺮ ﺗﺴﻬﻴﻼت‬ ‫ﻣﺠﻤﻮﻋﺔ ﻣﻦ اﻟﻤﻨﺘﺠﺎت‬ ‫ّ‬

‫‪www.EmiratesReview.ae‬‬

‫• اﻟﺴﺤﺐ ﻋﻠﻰ اﻟﻤﻜﺸﻮف‬ ‫• ﺧﺼﻢ اﻟﻔﻮاﺗﻴﺮ اﻟﻤﺤﻠﻴﺔ‬ ‫اﻟﻤﺼﺪﻗﺔ‪/‬اﻟﻔﻮاﺗﻴﺮ‬ ‫• اﻟﺨﺼﻢ ﻋﻠﻰ ﺳﻨﺪات اﻟﺪﻓﻊ‬ ‫ّ‬ ‫•‬ ‫• ﺗﻤﻮﻳﻞ اﻟﻤﺸﺎرﻳﻊ‬ ‫• ﺗﻤﻮﻳﻞ اﻟﻤﻘﺎوﻟﻴﻦ‬ ‫• اﻟﺘﻤﻮﻳﻞ اﻟﻌﻘﺎري‬ ‫واﻟﻤﻌﺪات‬ ‫• ﺗﻤﻮﻳﻞ اﻟﺴﻴّﺎرات‬ ‫ّ‬ ‫• ﺗﻤﻮﻳﻞ اﻟﻤﺆﺳﺴﺎت اﻟﺼﻐﻴﺮة واﻟﻤﺘﻮﺳﻄﺔ‬ ‫ﺣﻠﻮل اﻟﺘﻤﻮﻳﻞ اﻟﺨﺎﺻﺔ ﺑﺎﻟﺸﺮﻛﺎت‬ ‫ﺗﻔﺘﺨﺮ دار اﻟﺘﻤﻮﻳﻞ ﺑﻌﻼﻗﺎﺗﻬﺎ اﻟﻤﻤﺘﺎزة ﻣﻊ اﻟﻌﻤﻼء‬ ‫اﻟﻤﺆﺳﺴﻴﻴﻦ وﻣﺎ ﺗﺰوّ دﻫﻢ ﺑﻪ ﻣﻦ ﺧﺪﻣﺎت راﺋﺪة؛ إذ ﺗﻮاﺟﻪ‬ ‫اﻟﺸﺮﻛﺎت ﻣﺠﻤﻮﻋﺔ ﻣﻦ اﻟﻤﺸﺎﻛﻞ واﻟﻤﺼﺎﻋﺐ اﻟﻤﺎﻟﻴﺔ ذات‬ ‫اﻟﺨﺎﺻﺔ‪ ،‬ﻟﻜ ّﻨﻨﺎ ﻋﻠﻰ أﻫﺒّﺔ اﻻﺳﺘﻌﺪاد ﻟﺘﺄﻣﻴﻦ ﺣﻠﻮل‬ ‫اﻟﻄﺒﻴﻌﺔ‬ ‫ّ‬ ‫ﻣﺎﻟﻴﺔ ﻛﺎﻣﻠﺔ ﻟﻌﻤﻼﺋﻨﺎ اﻟﻤﺆﺳﺴﻴﻴﻦ‪ .‬وﺗﺸﻤﻞ ﻫﺬه اﻟﺨﺪﻣﺎت‬ ‫اﻟﺤﺼﺮ‪:‬‬ ‫• ﻗﺮوض اﻟﻨﻔﻘﺎت اﻟﺮأﺳﻤﺎﻟﻴﺔ‬ ‫• إﻋﺎدة ﺗﻤﻮﻳﻞ اﻟﻘﺮوض‬ ‫• اﻟﻘﺮوض اﻟﻌﻘﺎرﻳﺔ‬ ‫• اﻟﺘﺴﻬﻴﻼت اﻟﻤﺸﺘﺮﻛﺔ‬ ‫• ﺗﻤﻮﻳﻞ اﻟﻤﻘﺎوﻟﻴﻦ‬ ‫• ﺗﻤﻮﻳﻞ اﻟﻤﺸﺎرﻳﻊ‬ ‫• ﺗﻤﻮﻳﻞ اﻟﻤﺆﺳﺴﺎت اﻟﺼﻐﻴﺮة واﻟﻤﺘﻮﺳﻄﺔ‬ ‫وﺗﺘﻤﻴّﺰ ﻛﻞ اﻟﺤﻠﻮل ﺑﻜﻮﻧﻬﺎ ﻗﺎﺑﻠﺔ ﻟﻠﺘﻌﺪﻳﻞ ﺑﺤﻴﺚ ﺗﻼﺋﻢ‬ ‫ﻧﻘﺪم ﻟﻠﺸﺮﻛﺎت ﻓﻲ‬ ‫اﻻﺣﺘﻴﺎﺟﺎت اﻟﺨﺎﺻﺔ ﺑﻜﻞ ﻋﻤﻴﻞ‪ ،‬ﻓﻨﺤﻦ‬ ‫ّ‬ ‫ً‬ ‫واﺳﻌﺎ ﻣﻦ ﺣﻠﻮل اﻟﺘﻤﻮﻳﻞ اﻟﻤﺒﺘﻜﺮة واﻟﻤﺼﻤﻤﺔ‬ ‫ﻃﻴﻔﺎ‬ ‫اﻟﺪوﻟﺔ‬ ‫ً‬ ‫ﻋﻠﻤﺎ ّ‬ ‫أن أﻋﻤﺎﻟﻨﺎ ﺗﺘﻤﺤﻮر‬ ‫ﺣﺴﺐ ﻣﺘﻄﻠﺒﺎﺗﻬﺎ واﺣﺘﻴﺎﺟﺎﺗﻬﺎ‪،‬‬ ‫ً‬ ‫دوﻣﺎ ﺣﻮل اﻟﻔﺮد أﻛﺜﺮ ﻣﻨﻪ اﻟﺸﺮﻛﺔ‪ .‬ﻻ ﺗﺘﺮدّ دوا ﺑﺎﻟﺘﻮاﺻﻞ ﻣﻌﻨﺎ‬ ‫ً‬ ‫ﻟﻤﻌﺮﻓﺔ اﻟﻤﺰﻳﺪ ﻣﻦ اﻟﺘﻔﺎﺻﻴﻞ‪.‬‬

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‫)وﺑﻌﻀﻬﻢ ﺑﺎﻟﻤﺠﺎن(‪ ،‬وذﻟﻚ ﻣﻊ إﻓﺴﺎح اﻟﻤﺠﺎل ﻟﺘﻘﺪﻳﻢ‬ ‫اﻟﺘﺒﺮّ ﻋﺎت أﻣﺎم ﻣﻦ ﻳﺮى ﻓﻲ ﻧﻔﺴﻪ اﻟﻘﺪرة ﻋﻠﻰ ذﻟﻚ‪ .‬وﻳﺒﺪأ‬

‫"ذات ﻳﻮم ﻛﺎﻧﺖ إﺣﺪى ﻃﺎﻟﺒﺎﺗﻨﺎ ﻣﻊ ﻋﺎﺋﻠﺘﻬﺎ ﻓﻲ‬ ‫اﻟﻤﻄﺎر‪ ،‬ﻳﻨﺘﻈﺮون اﻟﻄﺎﺋﺮة اﻟﺘﻲ ﺳﺘﻘ ّﻠﻬﻢ ﺳﻮﻳﺔ ﻟﺘﻤﻀﻴﺔ‬

‫ﻗﺎﻋﺎت ﻣﻨﻔﺼﻠﺔ ﻟﻠﺒﻨﻴﻦ واﻟﺒﻨﺎت‪ ،‬و ُﺗﻌﻄﻰ اﻟﺪروس ﺑﺎﻟﻌﺮﺑﻴﺔ‬ ‫ﻟﺠﻤﻴﻊ ﻃﻼب اﻟﻤﺪرﺳﺔ اﻟﻘﺎدﻣﻴﻦ ﻣﻦ ﺷﺘﻰ أﻧﺤﺎء اﻟﻌﺎﻟﻢ‪.‬‬

‫اﻟﺸﻴﺦ ﻣﺤﻤﺪ ﺑﻦ راﺷﺪ آل ﻣﻜﺘﻮم ﻓﻲ اﻟﻤﻄﺎر وﺑﺎدرت‬ ‫ﻋﻤﺎ‬ ‫ﻟﺘﺤﻴﺘﻪ‪ ،‬ﻓﺒﺎدﻟﻬﺎ اﻟﺘﺤﻴﺔ ﺑﻜﻞ ﻟﻄﻒ وﻟﺒﺎﻗﺔ وﺳﺄﻟﻬﺎ‬ ‫ّ‬ ‫إذا ﻛﺎﻧﺖ ﻟﺪﻳﻬﺎ أي ﻃﻠﺒﺎت أو رﻏﺒﺎت‪ .‬وﻋﻠﻰ اﻟﻨﻘﻴﺾ ﻣﻤﺎ‬

‫‪ 1‬ﻟﺘﺴﺘﻘﺒﻞ ‪ 161‬ﻃﺎﻟﺒًﺎ ﻓﻲ ﺑﺎدئ‬ ‫ﻣﻨﻄﻘﺔ دﻳﺮة ﺑﺪﺑﻲ ﻋﺎم‬ ‫ّ ﺎب أﻛﺒﺮ ﻣﻦ ﻗﺪرﺗﻬﺎ‬ ‫اﻻﺳﺘﻴﻌﺎﺑﻴﺔ‪ ،‬ﻟﺬا ﺗﻢ اﻓﺘﺘﺎح ﻣﺪرﺳﺔ أﻛﺒﺮ ﻓﻲ اﻟﻘﺮﻫﻮد ﻋﺎم‬ ‫‪ ،1‬ﻟﻴﻠﻲ ذﻟﻚ اﻓﺘﺘﺎح ﻣﺪارس أﺧﺮى ﻓﻲ اﻟﺸﺎرﻗﺔ وﻋﺠﻤﺎن‪.‬‬ ‫ً‬ ‫ﻣﺪرﻛﺎ‬ ‫وﺑﺼﻔﺘﻪ ﻣﻮاﻃ ًﻨﺎ إﻣﺎراﺗﻴًﺎ‪ ،‬ﻓﻘﺪ ﻛﺎن اﻟﺴﻴّﺪ اﻟﻤﺎﺟﺪ‬ ‫ﻟﻠﺼﻌﻮﺑﺎت اﻟﺘﻲ ﺗﻮاﺟﻬﻬﺎ ﺑﻌﺾ اﻟﻨﺴﺎء ﻓﻲ اﻟﻮﺻﻮل إﻟﻰ‬ ‫ﺟﺎﻣﻌﺔ اﻟﻌﻴﻦ أو اﻟﺴﻔﺮ إﻟﻰ اﻟﺨﺎرج ﺑﻬﺪف اﻟﺪراﺳﺔ‪ ،‬ﻟﺬا‬ ‫‪1‬؛‬ ‫ﺣﻴﺚ ﺗﻘﺒﻞ اﻟﻜﻠﻴّﺔ اﻟﻄﻼب ﻣﻦ ﻛﺎﻓﺔ دول ﻣﺠﻠﺲ اﻟﺘﻌﺎون‬ ‫اﻟﻌﻠﻮم‪ ،‬ووزارة اﻟﺘﻌﻠﻴﻢ اﻟﻌﺎﻟﻲ واﻟﺒﺤﺚ اﻟﻌﻠﻤﻲ ﻓﻲ دوﻟﺔ‬ ‫ﻃﺎﻟﺒًﺎ‪200 ،‬‬ ‫‪ ،‬وﺑﻤﺎ ﻳﻌﻜﺲ ﻗﻮل‬ ‫اﻟﻐﺎﻟﺒﻴﺔ اﻟﻌﻈﻤﻰ ﺑﻌﺪدﻫﻦ اﻟﺒﺎﻟﻎ‬ ‫اﻟﻤﺎﺟﺪ "اﻟﻤﺮأة اﻟﻤﺘﻌ ّﻠﻤﺔ ﻣﻨﺎرة ﻟﻜﻞ ﻣﻦ ﺣﻮﻟﻬﺎ"‪.‬‬ ‫وﻳﻌ ّﻠﻖ ﺟﻤﻌﺔ اﻟﻤﺎﺟﺪ‪" :‬ﻧﺤﻦ ﻓﺨﻮرون ﺑﺄﻧ ّﻨﺎ ﺧﺮﺟﻨﺎ أﻛﺜﺮ‬ ‫ﻣﻦ اﻟﻄﺎﻟﺒﺎت‪ ،‬وﺑﺤﺮﺻﻨﺎ اﻟﺪاﺋﻢ ﻋﻠﻰ ﺿﻤﺎن إﻣﻜﺎﻧﻴﺔ‬ ‫ﻣﻦ‬ ‫اﻟﺘﻌﻠﻴﻢ ﻟﻜﺎﻓﺔ اﻟﻨﺴﺎء اﻟﺘﺎﺋﻘﺎت ﻟﻠﻤﻌﺮﻓﺔ واﻟﻌﻠﻢ؛ ﻓﻨﺤﻦ‬ ‫اﻟﻌﺮﺑﻴﺔ‪ ،‬وﺑﺮاﻣﺞ ﻟﻠﻤﺎﺟﺴﺘﻴﺮ واﻟﺪﻛﺘﻮراه ﻓﻲ اﻟﻔﻘﻪ وﻋﻠﻮم‬ ‫ﻣﺴﺠﻠﺔ ﻓﻲ‬ ‫اﻟﻠﻐﺔ‪ .‬وﻓﻲ اﻟﻮﻗﺖ اﻟﺮاﻫﻦ ﻫﻨﺎك ‪ 2‬ﻃﺎﻟﺒﺔ‬ ‫ّ‬ ‫ﺑﺮاﻣﺞ اﻟﺘﻌﻠﻴﻢ اﻟﻌﺎﻟﻲ ﻟﺪﻳﻨﺎ"‪.‬‬ ‫اﻟﻠﺤﻈﺎت اﻟﻤﻀﻴﺌﺔ ﻓﻲ ﻣﺴﻴﺮﺗﻬﺎ ﻋﻨﺪﻣﺎ زارﻫﺎ ﺻﺎﺣﺐ‬ ‫اﻟﺴﻤﻮ اﻟﺸﻴﺦ ﻣﺤﻤﺪ ﺑﻦ راﺷﺪ آل ﻣﻜﺘﻮم ﻓﻲ ﺷﻬﺮ ﻓﺒﺮاﻳﺮ‬ ‫‪ .2‬وﻳﺮوي ﻟﻨﺎ اﻟﺪﻛﺘﻮر ﻛﻤﺎل ﻣﺤﻤﺪ ﻓﺮﺣﺎت‪،‬‬ ‫ﻣﻦ ﻋﺎم‬ ‫اﻟﻤﺪﻳﺮ اﻟﻌﺎم ﻟﻠﻤﺪارس اﻟﺜﻼث‪ ،‬اﻟﻘﺼﺔ ﻗﺎﺋ ًﻠﺎ‪:‬‬

‫‪www.EmiratesReview.ae‬‬

‫ﻫﺪاﻳﺎ ﻣﻜﻠﻔﺔ أو ﺷﻲء ﻣﻦ ﻫﺬا اﻟﻘﺒﻴﻞ‪ ،‬ﻓﻘﺪ ﺗﺼﺮﻓﺖ‬ ‫إذ دﻋﺖ ﺳﻤﻮّ ه ﻟﺰﻳﺎرة اﻟﻤﺪرﺳﺔ‪ .‬وﺑﺎﻟﻔﻌﻞ أﺟﺮﻳﻨﺎ ﻛﺎﻓﺔ‬ ‫اﻟﺘﺤﻀﻴﺮات وﻛﺎن ﻟﻨﺎ اﻟﺸﺮف واﻟﻔﺨﺮ ﺑﺄن ﻧﺮﺣﺐ ﺑﺼﺎﺣﺐ‬ ‫اﻟﺴﻤﻮ ﻓﻲ ﻣﺪرﺳﺘﻨﺎ ﻟﻴﻌﺮّ ج ﻋﻠﻰ ﻛﺎﻓﺔ ﻗﺎﻋﺎﺗﻬﺎ وﻳﻤﻀﻲ‬ ‫وﻗ ًﺘﺎ ﻃ ّﻴﺒًﺎ ﻣﻊ ﻃﻼﺑﻨﺎ"‪.‬‬ ‫وﻃﻮاﻗﻤﻬﺎ اﻟﺘﻌﻠﻴﻤﻴﺔ ﺑﻔﺨﺮ ﻛﺒﻴﺮ إزاء ﻣﻨﺸﺂﺗﻬﻢ اﻟﺘﻲ‬ ‫ﺗﺘﺴﻢ ﺑﺎﻟﻜﺜﻴﺮ ﻣﻦ اﻟﻤﺰاﻳﺎ ﻣﺜﻞ ﺟﻤﺎﻟﻴﺔ ﻣﺒﺎﻧﻴﻬﺎ واﻟﺘﺼﻤﻴﻢ‬ ‫اﻟﺬﻛﻲ ﻟﻤﻼﺑﺴﻬﺎ اﻟﻤﻮﺣﺪة‪ .‬وﻟﻜﻦ ﺑﺎﻟﻤﻘﺎﺑﻞ‪ ،‬ﻳﺸﻴﺮ اﻟﺴﻴﺪ‬ ‫ﻓﺮﺣﺎت إﻟﻰ أن اﻟﻤﺆﺳﺴﺔ ﺗﻮاﺟﻪ إﺷﻜﺎﻟﻴﺔ ﺟﺪﻳﺔ‪ ،‬ﺣﻴﺚ‬ ‫ﻳﻘﻮل‪" :‬ﺛﻤﺔ ﻗﻮاﺋﻢ اﻧﺘﻈﺎر ﻃﻮﻳﻠﺔ ﻧﻈ ًﺮ ا ﻟﻌﺪم ﻗﺪرة‬ ‫إﻟﻴﻨﺎ‪ .‬ﻟﺬا ﻧﺤﻦ ﺑﺤﺎﺟﺔ إﻟﻰ ﻣﺰﻳﺪ ﻣﻦ اﻟﻤﻮارد ﻟﺘﺴﺪﻳﺪ‬ ‫ﻋﻠﻤﺎ ﺑﺄن‬ ‫ﺗﻜﺎﻟﻴﻒ اﻟﻤﻌﺪات واﻟﻜﺘﺐ واﻟﻌﻤﻠﻴﺔ اﻟﺘﻌﻠﻴﻤﻴﺔ‪،‬‬ ‫ً‬ ‫ﺟﻤﻴﻊ أﻋﻀﺎء ﻃﺎﻗﻤﻨﺎ ﻻ ﻳﺨﺘﺰﻟﻮن ﺟﻬﺪً ا وﻳﻌﻤﻠﻮن ﺳﺎﻋﺎت‬ ‫ﻳﻘﺪ ﻣﻮا ﻟﻠﺼﻐﺎر أﻋﻠﻰ ﻣﺴﺘﻮﻳﺎت اﻟﺘﻌﻠﻴﻢ‪،‬‬ ‫ﻃﻮال ﻛﻲ‬ ‫ّ‬ ‫اﻋﺘﺒﺎ ًر‬ ‫ﻣﺴﺎء ﺑﻌﺪ‬ ‫ّ ﻰ اﻟﺪﻓﻌﺔ اﻟﺜﺎﻧﻴﺔ اﻟﺘﻲ ﺗﺪاوم‬ ‫ً‬ ‫اﺳﺘﺮاﺣﺔ اﻟﻈﻬﺮ"‪.‬‬ ‫وﻳﻨﺘﻤﻲ ﻃ ّﻠﺎب اﻟﻤﺪرﺳﺔ إﻟﻰ ﻣﺎ ﻳﺰﻳﺪ ﻋﻦ ‪ 47‬ﺟﻨﺴﻴﺔ‪،‬‬ ‫ﻓﺎﻟﻜﺜﻴﺮ ﻣﻨﻬﻢ أﺗﻮا ﻣﻦ ﺳﻮرﻳﺎ اﻟﻤﻨﻜﻮﺑﺔ‪ ،‬ﻓﻴﻤﺎ أﺗﻰ آﺧﺮون‬ ‫ﻣﻦ ﺑﺎﻛﺴﺘﺎن‪ ،‬وﺗﺎﻳﻮان‪ ،‬واﻟﻮﻻﻳﺎت اﻟﻤﺘﺤﺪة‪ ،‬وﺣ ّﺘﻰ اﻟﺼﻴﻦ‪.‬‬ ‫وﻳﺘﻌ ّﻠﻢ اﻟﺠﻤﻴﻊ ﺳﻮﻳﺔ ﺑﺎﻟﻠﻐﺔ اﻟﻌﺮﺑﻴﺔ ﻓﻲ أﺟﻮاء ﻣﺘﻌﺪدة‬ ‫اﻟﺜﻘﺎﻓﺎت ﻣﻦ ﺷﺄﻧﻬﺎ ﺑﻨﺎء ﻣﺠﺘﻤﻊ ﻣﺘﻔﺎﻫﻢ وﻣﺘﻨﺎﻏﻢ‬

‫| اﻟﻌﺪد ‪15‬‬

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‫ﻓﺨﺮ‬

‫ﺻﺪﻗﺔ‬ ‫ﺻﺪﻗﺔ‬ ‫ﺧﻴﺮﺧﻴﺮ‬ ‫اﻟﺘﻌﻠﻴﻢ‬ ‫اﻟﺘﻌﻠﻴﻢ‬ ‫اﻟﺘﻌﻠﻴﻤﻴﺔ ﻣﺠﺎ ًﻧ‬

‫ّ م ﻣﻨﺬ ﺗﺄﺳﻴﺴﻬﺎ ﻋﺎم‬

‫‪ 1‬ﺧﺪﻣﺎﺗﻬﺎ‬

‫ﺻﺎﺣﺐ اﻟﺴﻤﻮ اﻟﺸﻴﺦ ﻣﺤﻤﺪ ﺑﻦ راﺷﺪ آل ﻣﻜﺘﻮم أﺛﻨﺎء زﻳﺎرﺗﻪ ﻟﻠﻤﺪرﺳﺔ‬

‫ﻳﻌﺘﺒﺮ اﻟﺘﻌﻠﻴﻢ "ﺧﻴﺮ ﺻﺪﻗﺔ" ﻓﻲ ﻧﻈﺮ اﻟﺴﻴّﺪ ﺟﻤﻌﺔ اﻟﻤﺎﺟﺪ‪،‬‬ ‫اﻟﻌﻘﺎرات واﻟﻀﻴﺎﻓﺔ واﻟﺘﺠﺎرة وﻏﻴﺮﻫﺎ‪ ،‬ﻋﻼوة ﻋﻠﻰ إﻧﺸﺎﺋﻪ‬ ‫ﻣﺮﻛﺰ ﺟﻤﻌﺔ اﻟﻤﺎﺟﺪ ﻟﻠﺜﻘﺎﻓﺔ واﻟﺘﺮاث‪ ،‬واﻟﺬي ﻳﻀﻢ ﺣﺎﻟﻴًﺎ‬ ‫ﻛﺘﺎب ﻳﺘﻨﺎول اﻟﻜﺜﻴﺮ ﻣﻨﻬﺎ اﻟﺘﺎرﻳﺦ‬ ‫أﻛﺜﺮ ﻣﻦ ﻧﺼﻒ ﻣﻠﻴﻮن‬ ‫ٌ‬ ‫ٍ راﺳﺦ ﺑﺒﺬل ﻗﺼﺎرى‬ ‫وﻳﻘﻮل‪" :‬أﺳﺴﻨﺎ واﺣﺪة ﻣﻦ أوﻟﻰ اﻟﺠﻤﻌﻴﺎت اﻟﺨﻴﺮﻳﺔ‬ ‫ﻓﻲ اﻟﺒﻼد ﺧﻼل ﺧﻤﺴﻴﻨﻴﺎت اﻟﻘﺮن اﻟﻤﻨﺼﺮم ﺑﺎﻟﺘﻌﺎون ﻣﻊ‬ ‫اﻟﺸﻴﺦ راﺷﺪ ﺑﻦ ﺳﻌﻴﺪ آل ﻣﻜﺘﻮم‪ .‬وﻗﺪ اﻓﺘﺘﺤﻨﺎ ﻓﻲ إﻃﺎر‬

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‫| اﻟﻌﺪد ‪15‬‬

‫ﻫﺬه اﻟﺠﻤﻌﻴﺔ ﻣﺪرﺳﺘﻴﻦ إﻋﺪادﻳﺘﻴﻦ ﻛﺎﻧﺖ إﺣﺪاﻫﺎ ﻣﺪرﺳﺔ‬ ‫‘ﺟﻤﺎل ﻋﺒﺪ اﻟﻨﺎﺻﺮ’‬ ‫‪ 1‬ﺑﺪﺧﻮل أﺑﻨﺎء‬ ‫وﻋﻨﺪﻣﺎ ﺳﻤﺤﺖ وزارة اﻟﺘﻌﻠﻴﻢ ﻋﺎم‬ ‫اﻟﻮاﻓﺪﻳﻦ اﻟﻌﺎﻣﻠﻴﻦ ﻓﻲ اﻟﻘﻄﺎع اﻟﻌﺎم إﻟﻰ اﻟﻤﺪارس‬ ‫اﻟﺨﻴﺮﻳﺔ ﻓﻲ دﺑﻲ‪ ،‬وﻛﺎن ﺣﻴﻨﻬﺎ ﻳﺸﻐﻞ ﻣﻨﺼﺐ رﺋﻴﺲ‬ ‫اﻟﺤﺼﻮل ﻋﻠﻰ دﻋﻢ وزارة اﻟﺘﻌﻠﻴﻢ اﻟﺘﻲ ﻣﺎ زاﻟﺖ ﺣﺘﻰ ﻳﻮﻣﻨﺎ‬ ‫ﺗﻘﺪ م اﻟﻤﺴﺎﻋﺪة ﻋﻠﻰ اﻟﺼﻌﻴﺪﻳﻦ اﻟﻔ ّﻨ‬ ‫ﻫﺬا‬ ‫ّ‬ ‫وﺑﻔﻀﻞ ﺟﻬﻮد اﻟﺴﻴﺪ ﺟﻤﻌﺔ اﻟﻤﺎﺟﺪ‪ ،‬ﻓﺈن ﻧﺤﻮ ‪11٬000‬‬

‫‪www.EmiratesReview.ae‬‬

‫اﻟﺪﻋﻢ اﻟﺬي ﻧﺤﻈﻰ ﺑﻪ ﻣﻦ ﻗﻴﺎدة اﻟﺪوﻟﺔ ﺑﺼﻔﺘﻨﺎ ﺷﺮﻛﺔ‬ ‫وإﻣﻜﺎﻧﻴﺎت ﺗﺴﺎﻋﺪﻧﺎ ﻋﻠﻰ اﻟﺒﻘﺎء ﻓﻲ ﻃﻠﻴﻌﺔ ﻗﻄﺎﻋﻨﺎ وﺗﺤﻔﺰﻧﺎ‬ ‫ﻋﻠﻰ ﺗﻘﺪﻳﻢ أﻓﻀﻞ ﻣﺎ ﻟﺪﻳﻨﺎ ﻟﺨﺪﻣﺔ وﻃﻨﻨﺎ وﺗﻌﺰﻳﺰ أداﺋﻨﺎ ﻋﻠﻰ‬ ‫ﺻﻌﻴﺪ اﻟﻤﺴﺆوﻟﻴﺔ اﻻﺟﺘﻤﺎﻋﻴﺔ"‪.‬‬

‫ﻣﺴﺘﻘﺒﻞ زاﻫﺮ‬

‫وﺑﺼﻔﺘﻬﺎ ﻣﻦ أﺑﺮز اﻟﻤﻘﺎوﻟﻴﻦ اﻟﻤﺤﻠﻴﻴﻦ‪ ،‬ﻓﺈن " ﺟﻠﻒ ﻧﺎﺷﻴﻮﻧﺎل‬ ‫ﻟ‪õ‬ﻧﺸﺎءات" ﺗﻬﺪف إﻟﻰ ﺗﻮﺳﻴﻊ ﻧﻄﺎق أﻧﺸﻄﺘﻬﺎ أﻓﻘﻴًﺎ‬ ‫وﻋﻤﻮدﻳًﺎ ﺑﻤﺎ ﻳﺸﻤﻞ ﻛﺎﻓﺔ أﻗﺴﺎﻣﻬﺎ‪ ،‬ﻣﺜﻞ ﻗﺴﻢ اﻟﺨﺪﻣﺎت‬ ‫اﻟﻠﻮﺟﺴﺘﻴﺔ اﻟﺬي ﻳﺘﺨﺼﺺ ﻓﻲ دﻋﻢ ﺗﻜﺎﻣﻞ ﻛﺎﻓﺔ اﻟﻮﻇﺎﺋﻒ‬ ‫ًا‬ ‫ً‬ ‫واﻧﺘﻬﺎء ﺑﺘﻘﺪﻳﻢ اﻟﻤﻨﺘﺠﺎت‬ ‫ﺑﺎﻟﺤﻔﻆ ﻓﻲ اﻟﻤﺴﺘﻮدﻋﺎت‪،‬‬ ‫ً‬ ‫اﻟﻨﻬﺎﺋﻴﺔ‪ .‬وﻳﻮﻓﺮ ﻫﺬا اﻟﻘﺴﻢ ﺗﺤﺖ إﺷﺮاف ﻣﺠﻤﻮﻋﺔ ‘اﻟﺨﻠﻴﺞ‬ ‫اﻟﻤﺼﻤﻤﺔ‬ ‫اﻟﻮﻃﻨﻲ ﻟﻼﺳﺘﺜﻤﺎر’ ﺑﺎﻗﺔ ﻣﺘﻨﻮّ ﻋﺔ ﻣﻦ اﻟﺤﻠﻮل‬ ‫ّ‬ ‫ﺧﺼﻴﺼ‬ ‫ً‬ ‫ﻣﻊ ﺿﻤﺎن اﻟﺴﻼﻣﺔ ورﺿﺎ اﻟﻌﻤﻼء ﻓﻲ ﻛﻞ ﻣﻌﺎﻣﻠﺔ وﺗﻐﻄﻴﺔ‬ ‫ﻛﺎﻓﺔ اﻟﺨﺪﻣﺎت اﻟﺘﻲ ﺗﺘﻀﻤﻦ إدارة اﻟﻄﻠﺐ‪ ،‬وإدارة اﻟﺸﺤﻨﺎت‪،‬‬ ‫واﻟﺘﺨﺰﻳﻦ‪ ،‬واﻟﺘﻐﻠﻴﻒ‪ ،‬واﻟﺘﻮزﻳﻊ‪ ،‬وإدارة اﻟﻀﻤﺎﻧﺎت‪ ،‬واﻟﺘﺨﻠﻴﺺ‬ ‫اﻟﺠﻤﺮﻛﻲ‪ .‬وﻳﻌﺘﻤﺪ ﻫﺬا اﻟﻘﺴﻢ ﻋﻠﻰ ﻣﻨﺸﺂﺗﻪ اﻟﻤﺘﻄﻮرة‬ ‫واﻟﻤﻮ ّز ﻋﺔ ﺑﺸﻜﻞ اﺳﺘﺮاﺗﻴﺠﻲ ﻋﻠﻰ ﻣﻘﺮﺑﺔ ﻣﻦ ﺷﺒﻜﺎت اﻟﻄﺮق‬‫اﻟﺮﺋﻴﺴﻴﺔ‪ -‬ﻟﻀﻤﺎن ﺗﺴﻠﻴﻢ اﻟﺒﻀﺎﺋﻊ ﺑﻜﻞ ﺳﺮﻋﺔ وﻛﻔﺎءة ﻓﻲ‬ ‫ﻳﻤﺪ‬ ‫ﻣﺨﺘﻠﻒ أﻧﺤﺎء اﻟﻤﻨﻄﻘﺔ‪ ،‬وﻫﻮ ﻣﺎ‬ ‫ّ‬ ‫واﻟﺘﻮﺳﻊ ﻋﻠﻰ ﻣﺪى اﻟﺴﻨﻴﻦ اﻟﻘﺎدﻣﺔ‪.‬‬ ‫ﻳﻮاﺻﻞ اﻟﻨﻤﻮ‬ ‫ّ‬ ‫ﺣﺴ‬ ‫ّ‬ ‫اﻟﺘﻲ ﺗﻤﻴّﺰ " ﺟﻠﻒ ﻧﺎﺷﻴﻮﻧﺎل ﻟ‪õ‬ﻧﺸﺎءات " ﺑﺼﻔﺘﻬﺎ ﺷﺮﻛﺔ راﺋﺪة‬

‫ﺣﺴﺎن‬ ‫اﻟﺴﻴﺪ ﻋﻠﻲ ﻧﺎﺻﺮ ﻳﺴﻠﻢ‬ ‫ّ‬

‫ﺣﺴﺎن ﺑﺄن ﻫﺬه اﻟﺨﻄﻮة اﻟﻬﺎﻣﺔ‬ ‫واﻟﻨﻤﺬﺟﺔ‪ .‬وﻳﺆﻛﺪ اﻟﺴﻴﺪ‬ ‫ّ‬ ‫أﺗﺖ ﺑﺜﻤﺎر ﻣﻠﻤﻮﺳﺔ ﻋﻠﻰ اﻟﺼﻌﻴﺪ اﻟﺘﻜﻨﻮﻟﻮﺟﻲ‪ ،‬ﻣﻤﺎ ﻳﺴﺎﻋﺪ‬ ‫اﻟﺘﻮﺳﻊ وﺗﻌﺰﻳﺰ أﻓﻀﻠﻴﺘﻬﺎ اﻟﺘﻨﺎﻓﺴﻴﺔ‪.‬‬ ‫اﻟﺸﺮﻛﺔ ﻋﻠﻰ ﻣﻮاﺻﻠﺔ‬ ‫ّ‬ ‫وﻳﻘﻮل‪" :‬ﻗﺪ ﻻ ﻳﻜﻮن ﻣﻦ اﻟﺼﻌﺐ ﺗﺄﺳﻴﺲ ﺷﺮﻛﺔ ﻟﺨﺪﻣﺎت‬ ‫ّ ي اﻟﺤﻘﻴﻘﻲ ﻳﻜﻤﻦ‬ ‫ﻓﺮﺻﺎ ﻗﻴّﻤﺔ ﻟﺸﺮﻛﺎﺋﻨﺎ وﻃﻮاﻗﻤﻨﺎ وﻛﺎﻓﺔ‬ ‫ﻓﻲ ﺗﻮﻓﻴﺮ ﺑﻴﺌﺔ ﺗﺘﻴﺢ‬ ‫ً‬ ‫ﻳﻌﺘﺒﺮ ﺿﺮورة ﺣﺘﻤﻴﺔ ﻟﻠﻤﻨﺎﻓﺴﺔ ﻓﻲ ﺳﻮق ﺣﺎﻓﻠﺔ ﺑﺎﻟﺘﺤﺪﻳﺎت‬ ‫ﻛﻤﺎ ﻫﻮ اﻟﺤﺎل ﻓﻲ ﻣﻨﻄﻘﺘﻨﺎ"‪.‬‬ ‫ﺣﺴﺎن إﻟﻰ أن اﻟﻤﺴﺘﻘﺒﻞ ﻳﺒﺪو واﻋﺪً ا‬ ‫ﻛﻤﺎ أﺷﺎر اﻟﺴﻴﺪ‬ ‫ّ‬ ‫’‪ ،‬إذ ﻳﻘﻮل‪" :‬ﻧﺤﻦ‬ ‫ﻟﻠﻐﺎﻳﺔ ﺑﺎﻟﻨﺴﺒﺔ ﻟـ‘‬ ‫ﻣﺴﺮورﻳﻦ ﻟﻠﻐﺎﻳﺔ ﺑﺈﻧﺠﺎزﻧﺎ اﻟﻌﺪﻳﺪ ﻣﻦ اﻟﻤﺸﺎرﻳﻊ اﻟﻨﺎﺟﺤﺔ‬ ‫ﻓﻲ اﻟﻤﻨﻄﻘﺔ‪ ،‬ﻣﻤﺎ ﻳﻌﻄﻴﻨﺎ ﺗﺼﻮرًا ﻋﻦ ﻣﺴﺘﻘﺒﻞ أﻋﻤﺎﻟﻨﺎ ﻓﻲ‬ ‫اﺳﺘﺜﻤﺎراﺗﻨﺎ ﺳﻮف ﺗﻌﻮد ﺑﻨﺘﺎﺋﺞ ﺗﻔﻮق اﻟﺘﻮﻗﻌﺎت‪ ،‬وذﻟﻚ ﺑﻔﻀﻞ‬

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‫| اﻟﻌﺪد ‪15‬‬

‫واﺳﻌﺎ ﻣﻦ اﻟﺨﺪﻣﺎت ﺑﺤﻜﻢ ﻋﻤﻠﻨﺎ ﻋﻠﻰ اﻟﻌﺪﻳﺪ ﻣﻦ‬ ‫ﻣﺠﺎ ًﻟﺎ‬ ‫ً‬ ‫ً ا ﻣﻦ ﻣﺮﺣﻠﺔ ﻣﺎ‬ ‫دوﻣﺎ‬ ‫ّ ﻰ اﻟﺘﺴﻠﻴﻢ اﻟﻨﻬﺎﺋﻲ‪ .‬وﻧﺤﻦ ﺣﺮﻳﺼﻮن‬ ‫ً‬ ‫ﻋﻠﻰ ﺗﻘﺪﻳﻢ ﺧﺪﻣﺎت ﻣﻌﻘﻮﻟﺔ اﻟﺘﻜﻠﻔﺔ ﻋﻠﻰ اﻟﻤﺪى اﻟﻄﻮﻳﻞ‪،‬‬ ‫واﺿﻌﻴﻦ ﻧﺼﺐ أﻋﻴﻨﻨﺎ أن ﻧﺤﺎﻓﻆ ﻋﻠﻰ ﻣﻜﺎﻧﺘﻨﺎ ﻛﻤﻮﻓﺮ‬ ‫ﻟﻠﺨﺪﻣﺎت اﻻﺳﺘﺜﻨﺎﺋﻴﺔ اﻟﺘﻲ ﻻ ﻣﺜﻴﻞ ﻟﻬﺎ ﻓﻲ اﻟﺴﻮق‪ ،‬ﻣﻊ إﻳﻼء‬ ‫ﻋﻨﺎﻳﺔ ﻓﺎﺋﻘﺔ ﺑﺄدق اﻟﺘﻔﺎﺻﻴﻞ"‪.‬‬ ‫ﺣﺴﺎن إﻟﻰ ّ‬ ‫أن ﺗﺤﻘﻴﻖ ﻫﺬه اﻟﻐﺎﻳﺔ ﻳﻘﺘﻀﻲ اﻻﻋﺘﻤﺎد‬ ‫وﻳﻨﻮّ ه‬ ‫ّ‬ ‫اﺑﺘﺪاء‬ ‫ﻋﻠﻰ ﻃﻮاﻗﻢ ﻣﺤﺘﺮﻓﺔ ﻓﻲ اﻟﻌﻤﻞ ﻋﻠﻰ ﻛﻞ ﻣﺸﺮوع‪،‬‬ ‫ً‬ ‫ّ‬ ‫واﺿﺤﺎ ﻟﻠﻤﻘﺎوﻻت‬ ‫ﻧﻤﻮذﺟﺎ‬ ‫وﻟﻬﺬا اﻟﺴﺒﺐ ﺗﻌﺘﻤﺪ اﻟﺸﺮﻛﺔ‬ ‫ً‬ ‫ً‬ ‫ﻣﻦ اﻟﺒﺎﻃﻦ ﺑﻬﺪف ﺿﻤﺎن اﺧﺘﻴﺎر اﻟﻤﻘﺎوﻟﻴﻦ اﻟﻤﻨﺎﺳﺒﻴﻦ اﻟﺬﻳﻦ‬ ‫ﻳﺸﺎﻃﺮون ‘‬ ‫ﻣﺸﺎرﻳﻊ ﻋﺎﻟﻴﺔ اﻟﺠﻮدة ﻣﻊ ﺧﻔﺾ اﻟﻨﻔﻘﺎت واﻟﺘﻜﺎﻟﻴﻒ إﻟﻰ‬ ‫أدﻧﻰ ﺣﺪ ﻣﻤﻜﻦ‪.‬‬ ‫وﻳﺸﺎر إﻟﻰ أن اﻟﺸﺮﻛﺔ ﺗﻌﻤﻞ ﻋﻠﻰ ﻣﺸﺎرﻳﻊ أﺧﺮى ﺗﺘﻀﻤﻦ‬ ‫ﻣﺸﺮوﻋً ﺎ ﻟﻠﺒﻨﻴﺔ اﻟﺘﺤﺘﻴﺔ ﻓﻲ ﻣﺪﻳﻨﺔ ﻣﺤﻤﺪ ﺑﻦ زاﻳﺪ ﺑﺄﺑﻮﻇﺒﻲ‬ ‫)ﺑﻘﻴﻤﺔ‬ ‫ﻣﻠﻴﻮن درﻫﻢ(‪ ،‬وﻣﺸﺮوﻋً‬ ‫ﻋﻠﻰ اﻟﺘﻘﺎﻃﻊ اﻟﺼﻨﺎﻋﻲ اﻟﺨﺎﻣﺲ ﻓﻲ اﻟﺸﺎرﻗﺔ )ﺑﻘﻴﻤﺔ ‪60‬‬ ‫درﻫﻢ‬ ‫ﻣﻠﻴﻮن درﻫﻢ(‪ ،‬وﻣﺸﺮوﻋً ﺎ ﻓﻲ ﻣﻄﺎر اﻟﻌﻴﻦ )ﺑﻘﻴﻤﺔ‬ ‫ﻫﺎﻣﺔ ﻟﻠﻐﺎﻳﺔ ﻓﻲ ﺗﻄﻮر‬ ‫إﻣﺎراﺗﻲ(‪ .‬وﺗﻌﺘﺒﺮ ﻫﺬه اﻟﻤﺸﺎرﻳﻊ‬ ‫ّ‬ ‫وﻧﻤﻮ اﻟﺒﻨﻴﺔ اﻟﺘﺤﺘﻴﺔ ﻟﻠﺪوﻟﺔ ﺣ ّﺘﻰ ﻟﻮ ﻟﻢ ﺗﻜﻦ ﺗﺘﻤ ّﺘﻊ ﺑﺸﻬﺮة‬ ‫ﺗﻀﺎﻫﻲ ﻧﻈﻴﺮﺗﻬﺎ ﻣﻦ اﻟﻤﺸﺎرﻳﻊ اﻟﻔﻨﺪﻗﻴﺔ وﻣﺸﺎرﻳﻊ ﻣﺮاﻛﺰ‬ ‫اﻟﺘﺴﻮّ ق اﻟﻜﺒﻴﺮة‪.‬‬

‫‪www.EmiratesReview.ae‬‬

‫ّ‬ ‫ً‬ ‫ﻣﻠﺤﻮﻇﺎ ﻓﻲ‬ ‫ﺗﻘﺪﻣﺎ‬ ‫"ﻧﺤﻘﻖ‬ ‫ً‬ ‫ﻣﺠﺎﻻت اﻟﺼﺤﺔ واﻟﺴﻼﻣﺔ‪،‬‬ ‫إذ ﻟﻢ ﻧﺴﺠﻞ أي ﺣﺎﻻت‬ ‫وﻓﻴﺎت وﻻ أي إﺻﺎﺑﺎت‪ ،‬ﻣﻊ‬ ‫اﻟﺴﻨﻮﻳﺔ إﻟﻰ ﺻﻔﺮ ﺑﺎﻟﻤﺌﺔ"‪.‬‬ ‫’ ﻋﻀﻮً ا ﻓﻲ ﻣﺠﻤﻮﻋﺔ‬ ‫وﺗﻌﺘﺒﺮ ‘‬ ‫‘اﻟﺨﻠﻴﺞ اﻟﻮﻃﻨﻲ ﻟﻼﺳﺘﺜﻤﺎر’ اﻟﺘﻲ ﺗﺘﺄﻟﻒ ﻣﻦ ﺳﺖ ﻋﺸﺮة‬ ‫اﻟﺼﺨﻮر؛ وﺗﺼﻨﻴﻊ اﻟﻜﺘﻞ اﻟﺨﺮﺳﺎﻧﻴﺔ واﻟﺨﺮﺳﺎﻧﺎت اﻟﺠﺎﻫﺰة؛‬ ‫وﺗﺄﺟﻴﺮ ﻣﻮﻟﺪات اﻟﻜﻬﺮﺑﺎء واﻟﻤﺤﻄﺎت اﻟﺜﻘﻴﻠﺔ‪ ،‬وﻏﻴﺮﻫﺎ ﻣﻦ‬ ‫أداء ﻣﺘﻤﻴ ًﺰا ﺑﻔﻀﻞ ﺧﺒﺮاﺗﻬﺎ‬ ‫وﻳﺴﺘﻄﺮد‪" :‬ﺗﺤﻘﻖ اﻟﺸﺮﻛﺔ‬ ‫ً‬ ‫اﻟﺮاﺋﺪة وﻣﻌﺪﻻت رﺿﺎ ﻋﻤﻼﺋﻬﺎ اﻟﻤﺮﺗﻔﻌﺔ؛ ﺣﻴﺚ ﻧﻠﻨﺎ ﺷﻬﺎدة‬ ‫’‪،‬‬ ‫’‪ ،‬و‘آﻳﺰو‬ ‫آﻳﺰو اﻟﺜﻼﺛﻴﺔ اﻟﺘﻲ ﺗﺘﻀﻤﻦ ﻛ ًﻠﺎ ﻣﻦ ‘آﻳﺰو‬ ‫و‘أوﺳﺎس’‬ ‫)‪ (OHSAS 18001‬ﻛﺪﻟﻴﻞ ﻳﺆﻛﺪ ﻣﻌﺎﻳﻴﺮﻧﺎ‬ ‫ّ‬ ‫ً‬ ‫ﻣﻠﺤﻮﻇﺎ ﻓﻲ‬ ‫ﺗﻘﺪﻣﺎ‬ ‫ﻧﺤﻘﻖ‬ ‫اﻟﻌﺎﻟﻴﺔ‪ .‬وﻣﻦ ﻧﺎﺣﻴﺔ أﺧﺮى‪،‬‬ ‫ً‬ ‫ﻣﺠﺎﻻت اﻟﺼﺤﺔ واﻟﺴﻼﻣﺔ‪ ،‬إذ ﻟﻢ ﻧﺴﺠﻞ أي ﺣﺎﻻت وﻓﻴﺎت‬ ‫ﺑﺎﻟﻤﺌﺔ‪ .‬ﻋﻼوة ﻋﻠﻰ ذﻟﻚ ﻛ ّﻠﻪ‪ ،‬ﻓﺈﻧﻨﺎ ﻧﻮﻟﻲ أﻫﻤﻴﺔ ﻛﺒﺮى ﻟﻠﺠﺎﻧﺐ‬ ‫اﻟﺒﻴﺌﻲ‪ ،‬وﻫﻮ ﻣﺎ ﻳﻨﻌﻜﺲ ﺑﻮﺿﻮح ﻋﻠﻰ ﻛﺎﻓﺔ اﻟﺴﻴﺎﺳﺎت‬

‫وﺻﻨﺎﻋﻴﺔ وﻣﺸﺎرﻳﻊ ﻟﻠﺒﻨﻴﺔ اﻟﺘﺤﺘﻴﺔ‪ ،‬ﻓﺈن ﺧﺒﺮﺗﻨﺎ ﺗﺴﻤﺢ ﻟﻨﺎ‬ ‫ﺑﺘﻐﻄﻴﺔ ﻃﻴﻒ واﺳﻊ ﻣﻦ اﻟﺨﺪﻣﺎت اﻟﺘﻲ ﺗﺘﺮاوح ﻣﻦ ﻣﺮﺣﻠﺔ ﻣﺎ‬ ‫ّ ﻰ اﻟﺘﺴﻠﻴﻢ اﻟﻨﻬﺎﺋﻲ"‪.‬‬

‫ﻣﺸﺎرﻳﻊ ﻫﺎﻣﺔ ﺑﻘﻴﻤﺔ ﻣﻼﻳﻴﻦ اﻟﺪراﻫﻢ‬

‫وﻓﻲ ﺣﻴﻦ ﻗﺪ ﻻ ﺗﻜﻮن ﻫﺬه اﻟﻤﺸﺎرﻳﻊ ﻋﻤﻼﻗﺔ ﻣﻦ ﻋﻴﺎر أﺑﺮاج‬ ‫ﻣﺮﻛﺰ دﺑﻲ اﻟﻤﺎﻟﻲ اﻟﻌﺎﻟﻤﻲ أو ﻓﺎﺧﺮة ﻛﻤﺸﺎرﻳﻊ دﺑﻲ ﻣﺎرﻳﻨﺎ‪،‬‬ ‫ﻏﻴﺮ أن اﻟﻜﺜﻴﺮ ﻣﻨﻬﺎ ﻳﻠﻌﺐ دورًا ﺣﻴﻮﻳًﺎ ﻓﻲ دﻓﻊ ﻋﺠﻠﺔ اﻟﺘﻨﻤﻴﺔ‬ ‫ﻗﺪﻣ‬ ‫ً‬ ‫رأس اﻟﺨﻴﻤﺔ )ﺑﻘﻴﻤﺔ ‪ 340‬ﻣﻠﻴﻮن درﻫﻢ(؛ وإﻧﺸﺎء ﻣﺴﺘﻮدﻋﺎت‬ ‫ﻓﻲ ﻣﻨﻄﻘﺔ ﺟﺒﻞ ﻋﻠﻲ اﻟﺤﺮة )ﺑﻘﻴﻤﺔ ﺗﻘﺎرب‬ ‫ﻣﻠﻴﻮن‬ ‫درﻫﻢ(‪ ،‬وﻣﺸﺮوع اﻟﻄﺮﻳﻖ اﻟﺴﺮﻳﻊ ﻋﺒﺮ ﻣﺮﻛﺰ ﻣﺮﻓﻖ اﻟﻐﻮﻳﻔﺎت‬ ‫ﻣﻠﻴﻮن درﻫﻢ(‪.‬‬ ‫اﻟﺤﺪودي ﻓﻲ أﺑﻮﻇﺒﻲ )ﺑﻘﻴﻤﺔ‬ ‫ﺣﺴﺎن ﺣﺪﻳﺜﻪ ﺑﺎﻟﻘﻮل‪" :‬ﺗﺘﻀﻤﻦ ﻗﺎﺋﻤﺔ‬ ‫وﻳﻮاﺻﻞ اﻟﺴﻴﺪ‬ ‫ّ‬ ‫ﻋﻤﻼﺋﻨﺎ ﺟﻬﺎت ﻣﺮﻣﻮﻗﺔ ﻓﻲ اﻟﺪوﻟﺔ‪ ،‬ﺑﻤﺎ ﻳﺸﻤﻞ ﻫﻴﺌﺎت‬ ‫ﺣﻜﻮﻣﻴﺔ واﺗﺤﺎدﻳﺔ‪ ،‬وﺑﻠﺪﻳﺎت‪ ،‬وﺷﺮﻛﺎت ﻛﺒﻴﺮة‪ ،‬وﻣﻄﻮرﻳﻦ‬

‫‪www.EmiratesReview.ae‬‬

‫ﻌﺪ ﺷﺄ ًﻧﺎ‬ ‫ﺣﺴﺎن إﻟﻰ أن ﻫﺬه اﻟﻤﻌﺎﻳﻴﺮ اﻟﻌﺎﻟﻴﺔ ُﺗ ّ‬ ‫وﻳﻨﻮّ ه اﻟﺴﻴﺪ ّ‬ ‫ﻳﻤﺘﺜﻠﻮن‬ ‫ﺑﺪﻳﻬ ًﻴ‬ ‫اﻣﺘﺜﺎ ًﻟﺎ ﻛﺎﻣ ًﻠﺎ ﻟﻠﻘﻮاﻧﻴﻦ واﻟﻠﻮاﺋﺢ اﻟﺘﻨﻈﻴﻤﻴﺔ واﻟﺘﻮﺟﻴﻬﺎت‬ ‫ﻗﺎﺋ ًﻠﺎ‪" :‬ﻧﻮﻓﺮ ﻟﻤﻮﻇﻔﻴﻨﺎ رﻋﺎﻳﺔ رﻓﻴﻌﺔ اﻟﻤﺴﺘﻮى ﺑﻤﺎ ﻳﺸﻤﻞ‬ ‫ﺧﺪﻣﺎت اﻟﺮﻋﺎﻳﺔ اﻟﺼﺤﻴﺔ واﻟﺘﺄﻣﻴﻦ‪ ،‬ﺟﻨﺒًﺎ إﻟﻰ ﺟﻨﺐ ﻣﻊ ﺣﺮﺻﻨﺎ‬ ‫ﻋﻠﻰ ﺗﻄﺒﻴﻖ أﻋﻠﻰ ﻣﻌﺎﻳﻴﺮ اﻟﺴﻼﻣﺔ واﻟﺼﺤﺔ ﻓﻲ اﻟﻌﻤﻞ‪ ،‬وﻫﻮ‬ ‫ّ‬ ‫ﺗﺪﺧﺮ ﺟﻬﺪً ا‬ ‫أﻗﻞ ﻣﺎ ﻳﺠﺐ ﺗﻘﺪﻳﻤﻪ ﻟﻬﺬه اﻟﻄﻮاﻗﻢ اﻟﺘﻲ ﻻ‬ ‫ﻓﻲ ﺗﻮﻇﻴﻒ ﻣﻬﺎراﺗﻬﺎ وﻛﻔﺎءاﺗﻬﺎ اﻟﻤﺘﻤﻴّﺰة ﻟﺘﻨﻔﻴﺬ ﻣﻬﺎﻣﻬﺎ‬ ‫ﻋﻠﻰ أﺗﻢ وﺟﻪ ﻛﻲ ﺗﻀﻤﻦ ﺣﻔﺎﻇﻨﺎ ﻋﻠﻰ ﻫﺬه اﻟﻤﻜﺎﻧﺔ‬ ‫اﻟﻤﻤﻴّﺰة ﻓﻲ ﻣﻀﻤﺎر ﻋﻤﻠﻨﺎ"‪.‬‬ ‫اﺑﺘﻜﺎر رﻗﻤﻲ‬ ‫ﻋﻠﻰ اﻟﺼﻌﻴﺪ اﻟﺮﻗﻤﻲ؛ ﺣﻴﺚ اﻋﺘﻤﺪت أﺣﺪث اﻟﺘﻘﻨﻴﺎت ﻓﻲ‬ ‫ﻣﺨﺘﻠﻒ ﺟﻮاﻧﺐ ﻋﻤﻠﻬﺎ‪ ،‬ﺑﻤﺎ ﻳﺸﻤﻞ ﺑﺪء اﺳﺘﺨﺪام ﻧﻈﺎم‬ ‫‪SAP ERP‬‬ ‫اﻟﻌﻤﻼء‪ ،‬إﻟﻰ ﺟﺎﻧﺐ ﺗﻮﻇﻴﻔﻪ ﻓﻲ اﻟﺘﻜﻬﻦ ﺑﺎﻟﻔﺮص واﻟﻤﺨﺎﻃﺮ‬ ‫ّ‬ ‫اﻟﻤﻌﻘﺪة ﺑﺎﺳﺘﺨﺪام اﻟﺘﺤﻠﻴﻼت‬ ‫اﻟﻤﺴﺘﻘﺒﻠﻴﺔ وﺣﻞ اﻟﻤﺸﺎﻛﻞ‬

‫| اﻟﻌﺪد ‪15‬‬

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‫أﺳﺎس راﺳﺦ‬ ‫ّ‬

‫ﻫﺎﻣﺎ ﻓﻲ ﺑﻨﺎء‬ ‫ًا‬ ‫ً‬

‫ﻓﻲ إرﺳﺎء أﺳﺲ اﻟﺒﻨﻴﺔ اﻟﺘﺤﺘﻴﺔ اﻟﺘﻲ ﺗﻘﻮم ﻋﻠﻴﻬﺎ اﻟﺪوﻟﺔ‪.‬‬

‫ﻋﻠﻰ‬

‫ﻋﻜﺲ ﻋﺎﻣﺔ اﻟﻨﺎس اﻟﺬﻳﻦ ﻳﻐﻔﻮن‬ ‫ﻛﻞ ﻟﻴﻠﺔٍ ﺑﺮاﺣﺔ ﺑﺎل‪ ،‬ﻓﺈن ﻧﺎﺻﺮ ﻋﻠﻲ‬ ‫ﺣﺴﺎن ‪ -‬اﻟﺮﺋﻴﺲ اﻟﺘﻨﻔﻴﺬي‬ ‫ﻳﺴﻠﻢ‬ ‫ّ‬ ‫ﻟـ‘‬

‫ش‪.‬م‪.‬م’‬ ‫ﻳﺄﺧﺬ ﻋﻠﻰ ﻋﺎﺗﻘﻪ ﻣﺴﺆوﻟﻴﺎت ﺿﺨﻤﺔ ﺗﺸﻐﻞ ﺣ ّﻴ ًﺰا ﻛﺒﻴ ًﺮا ﻣﻦ‬ ‫ﺗﻔﻜﻴﺮه‪ ،‬ﺑﻤﺎ ﻳﺘﻀﻤﻦ ﻣﻮازﻧﺔ ﺗﺘﺠﺎوز ﻗﻴﻤﺘﻬﺎ ﻋﺪة ﻣﻼﻳﻴﻦ ﻣﻦ‬ ‫ﺣﺴ‬ ‫ﻣﻦ أﻟﻒ ﻣﻮﻇﻒ؛ إذ أﻓﺼﺢ ﻟﻨﺎ‬ ‫ّ‬ ‫ﺗﻔﺎرق ﺑﺎﻟﻪ ﺑﺤﻜﻢ ﻗﻴﺎدﺗﻪ ﻟﺸﺮﻛﺔ ﺗﺴﺎوي ﻗﻴﻤﺔ أﻋﻤﺎﻟﻬﺎ‬ ‫ﻣﻠﻴﺎرات ﻋﺪﻳﺪة ﻣﻦ اﻟﺪراﻫﻢ وﺗﻮاﺟﻪ اﻟﻌﺪﻳﺪ ﻣﻦ اﻟﺘﺤﺪﻳﺎت‬ ‫ﻣﺴﺘﻤﺮا‪.‬‬ ‫اﻟﺘﻲ ﺗﺘﻄ ّﻠﺐ ﺗﺮﻛﻴ ًﺰا‬ ‫ًّ‬ ‫’‬ ‫ﺗﻮﻓﺮ ‘‬ ‫اﻟﺪوﻟﺔ وﺧﺎرﺟﻬﺎ ﻣﻊ اﻟﺤﺮص ﻋﻠﻰ ﺗﻘﺪﻳﻢ أﻋﻠﻰ ﻣﺴﺘﻮﻳﺎت‬ ‫اﻟﺠﻮدة ﻓﻲ اﻟﻤﻨﻄﻘﺔ‪ ،‬وﺑﻤﺎ ﻳﺘﻤﺎﺷﻰ ﻣﻊ اﻟﻤﻌﺎﻳﻴﺮ اﻟﻤﺤﻠﻴﺔ‬ ‫ﻋﻠﻤﺎ أن ﺑﺪاﻳﺔ اﻟﺸﺮﻛﺔ ﻛﺎﻧﺖ ﻣﺘﻮاﺿﻌﺔ ﻟﻠﻐﺎﻳﺔ‪،‬‬ ‫واﻟﻌﺎﻟﻤﻴﺔ‪.‬‬ ‫ً‬ ‫اﻟﺸﺤﻲ ﻟﻠﻨﻘﻞ‬ ‫ﺗﺤﺖ اﺳﻢ ‘ﻣﺮﺷﺪ‬ ‫ﻓﻘﺪ اﻧﻄﻠﻘﺖ ﻋﺎم‬ ‫ّ‬ ‫ش‪.‬م‪.‬م’ ﻣﻌﺘﻤﺪة ﻋﻠﻰ ﺳﻴﺎرة ﺷﺤﻦ واﺣﺪة ﻻ ﻏﻴﺮ‪ ،‬ﻟﺘﻜﻮن‬

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‫| اﻟﻌﺪد ‪15‬‬

‫ﺗﻠﻚ اﻟﺸﺮﻛﺔ ﻧﻮاة ﻣﺎ ﺳﻴﻐﺪو ﻣﻊ ﻣﺮور اﻟﻮﻗﺖ ﻣﺠﻤﻮﻋﺔ‬ ‫ﺷﺮﻛﺎت ﺗﻌﻤﻞ ﺗﺤﺖ ﻣﻈﻠﺔ ‘اﻟﺨﻠﻴﺞ اﻟﻮﻃﻨﻲ ﻟﻼﺳﺘﺜﻤﺎر’‪ ،‬وﻫﻲ‬ ‫ﺗﺰاول أﻋﻤﺎﻟﻬﺎ اﻟﻴﻮم ﻓﻲ ﻣﺨﺘﻠﻒ أﻧﺤﺎء اﻟﻤﻨﻄﻘﺔ ﺑﺄﺳﻄﻮل‬ ‫ﺷﺎﺣﻨﺔ ﻣﻊ ﺗﺠﻬﻴﺰات وﻣﻌﺪات ﻓﺎﺋﻘﺔ‬ ‫ﻳﺰﻳﺪ ﺣﺠﻤﻪ ﻋﻦ‬ ‫اﻟﺘﻄﻮّ ر‪.‬‬ ‫رﺳﺨﺖ اﻟﺸﺮﻛﺔ‪ -‬ﺑﻔﻀﻞ ﻗﻴﺎدﺗﻬﺎ اﻟﺮﺷﻴﺪة‪-‬‬ ‫وﺳﺮﻋﺎن ﻣﺎ ّ‬ ‫ﻣﻜﺎﻧﺘﻬﺎ ﻛﻤﻮﻓﺮ ﻟﺤﻠﻮل اﻟﻨﻘﻞ اﻟﻤﺒﺘﻜﺮة واﻟﻤﻮﺛﻮﻗﺔ ذات‬ ‫وأﺳﺴﺖ ﻟﻨﻔﺴﻬﺎ ﺳﻤﻌﺔ ﻣﺮﻣﻮﻗﺔ ﻓﻲ‬ ‫اﻟﺘﻜﻠﻔﺔ اﻟﻤﻌﻘﻮﻟﺔ‪،‬‬ ‫ّ‬ ‫أوﺳﺎط ﻋﻤﻼﺋﻬﺎ ﻛﺸﺮﻛﺔ ﻣﺘﻤﺤﻮرة ﺣﻮل اﻟﻌﻤﻴﻞ وﺗﻠﺘﺰم‬ ‫ﺑﺘﻘﺪﻳﻢ ﺧﺪﻣﺎت ﻓﺎﺋﻘﺔ اﻟﺠﻮدة‪ .‬وﻫﻲ اﻟﻴﻮم ﺗﻤﻠﻚ واﺣﺪً ا ﻣﻦ‬ ‫ّﺰة ﻣﻦ ﻣﺮاﻛﺰ اﻟﺨﺪﻣﺔ اﻟﻤﻮ ّزﻋﺔ‬ ‫ﻋﻠﻰ ﻧﻘﺎط اﺳﺘﺮاﺗﻴﺠﻴﺔ ﻓﻲ دﺑﻲ واﻟﺸﺎرﻗﺔ‪ .‬وﻳﻔﺨﺮ اﻟﺴﻴﺪ‬ ‫’ ﺗﺸﺘﻬﺮ اﻟﻴﻮم ﺑﻜﻮﻧﻬﺎ‬ ‫ﺣﺴﺎن ﺑﺄن ‘‬ ‫ّ‬ ‫واﺣﺪة ﻣﻦ أﻗﻮى ﺷﺮﻛﺎت ﺷﺎﺣﻨﺎت اﻟﻨﻘﻞ ﻓﻲ اﻟﺒﻼد‪.‬‬ ‫وﻳﻘﻮل ﻣﻌ ّﻠ ًﻘﺎ‪" :‬ﺣﻘﻘﺖ ﺷﺮﻛﺘﻨﺎ اﻟﻌﺪﻳﺪ ﻣﻦ اﻟﻨﺠﺎﺣﺎت؛‬ ‫ﻣﻦ اﻟﻤﻬﻨﺪﺳﻴﻦ واﻟﺘﻘﻨﻴﻴﻦ‬ ‫إذ ﻳﻌﻤﻞ ﻟﺪﻳﻨﺎ ﺣﺎﻟﻴًﺎ ﻧﺤﻮ‬ ‫اﻟﻤﺮﺟﺢ أن ﻳﺘﺠﺎوز ﻫﺬا اﻟﺮﻗﻢ‬ ‫واﻟﻌﻤﺎل اﻟﻤﻬﺮة‪ ،‬وﻣﻦ‬ ‫اﻟﺨﺒﺮاء‬ ‫ّ‬ ‫ّ‬ ‫ﻣﺘﻨﻮﻋﺔ‬ ‫ﻓﻲ ﻫﺬا اﻟﻌﺎم‪ .‬وﺑﺤﻜﻢ ﺗﺨﺪﻳﻤﻨﺎ ﻟﻔﺌﺎت‬ ‫ّ‬

‫‪www.EmiratesReview.ae‬‬

‫ا®ﻋﻤﺎل‬ ‫دار اﻟﺘﻤﻮﻳﻞ ﺗﺪﻋﻢ اﻟﻤﺴﺮﻋﺎت اﻟﺤﻜﻮﻣﻴﺔ ﻟﺪوﻟﺔ ا¾ﻣﺎرات‬ ‫اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‬

‫دار اﻟﺘﻤﻮﻳﻞ ﺗﻜﺸﻒ اﻟﻨﻘﺎب ﻋﻦ ﻣﻮﻗﻌﻬﺎ ا¾ﻟﻜﺘﺮوﻧﻲ‬ ‫ﺤﺴﻦ‬ ‫اﻟﺠﺪﻳﺪ‬ ‫واﻟﻤ ّ‬ ‫ُ‬ ‫أﻋﻠﻨﺖ دار اﻟﺘﻤﻮﻳﻞ ﻋﻦ إﻃﻼق ﻣﻮﻗﻌﻬﺎ ا´ﻟﻜﺘﺮوﻧﻲ ﻓﻲ ﺣ ّﻠﺘﻪ‬ ‫ﺤﺴﻨﺔ‬ ‫واﻟﻤﻄﻮرّة؛ ﺣﻴﺚ ﻳﺘﻤﻴﺰ اﻟﻤﻮﻗﻊ ا´ﻟﻜﺘﺮوﻧﻲ‬ ‫اﻟﻤ ّ‬ ‫ُ‬ ‫اﻟﺠﺪﻳﺪة ُ‬ ‫اﻟﺠﺪﻳﺪ ﺑﺘﺼﻤﻴﻤﻪ اﻟﻔﺮﻳﺪ وﺧﺼﺎﺋﺼﻪ اﻟﻤﺘﻨﻮّ ﻋﺔ اﻟﺘﻲ ﺗﻤﻨﺢ‬ ‫ّ‬ ‫ﺗﺼﻔ ٍﺢ إﻟﻜﺘﺮوﻧﻲ أﻛﺜﺮ ﺗﻤ ّﻴ ًﺰا وﺗﻄﻮّ رًا‪ ،‬وﺗﺼﺤﺐ‬ ‫اﻟﻌﻤﻼء ﺗﺠﺮﺑﺔ‬ ‫ﻟﻠﺘﻌﻤﻖ وﻟﻤﻌﺮﻓﺔ اﻟﻤﺰﻳﺪ‬ ‫رﺣﻠﺔ‬ ‫ﻓﻲ‬ ‫ﺻﻔﺤﺎﺗﻪ‬ ‫زاﺋﺮي اﻟﻤﻮﻗﻊ ﻋﺒﺮ‬ ‫ّ‬ ‫ﻋﻦ دار اﻟﺘﻤﻮﻳﻞ‪.‬‬ ‫ً‬ ‫وﺗﻌﻠﻴﻘﺎ ﻋﻠﻰ إﻃﻼق اﻟﻤﻮﻗﻊ ا´ﻟﻜﺘﺮوﻧﻲ اﻟﺠﺪﻳﺪ‪ ،‬ﻗﺎل ﻣﺤﻤﺪ‬ ‫ﻋﺒﺪا‪ ñ‬اﻟﻘﺒﻴﺴﻲ‪ ،‬رﺋﻴﺲ ﻣﺠﻠﺲ إدارة دار اﻟﺘﻤﻮﻳﻞ‪" :‬ﻧﻌﻴﺶ ﻓﻲ‬ ‫ﻋﺎﻟﻢ ﺗﺘﺴﺎرع ﻓﻴﻪ اﻟﻤﻌﻠﻮﻣﺎت وﺗﺘﻄﻮّ ر ﻣﻌﻪ اﻟﺘﻜﻨﻮﻟﻮﺟﻴﺎ‪ ،‬وﻧﺤﻦ‬ ‫ٍ‬ ‫ﺣﺮﻳﺼﻮن ﻋﻠﻰ ﻣﻮاﻛﺒﺔ ﻫﺬا اﻟﺘﻄﻮّ ر واﻟﺤﻔﺎظ ﻋﻠﻰ ﻣﻜﺎﻧﺘﻨﺎ‬ ‫وﺗﻤﻴّﺰﻧﺎ ﺿﻤﻦ ﺷﺮﻛﺎت اﻟﺘﻤﻮﻳﻞ اﻟﺮاﺋﺪة ﻓﻲ دوﻟﺔ ا´ﻣﺎرات اﻟﻌﺮﺑﻴﺔ‬ ‫اﻟﻤﺘﺤﺪة‪ ،‬ﻛﻤﺎ ﻧﺤﺮص ﻋﻠﻰ دﻳﻤﻮﻣﺔ اﻟﺘﺠﺪﻳﺪ واﻟﺘﻄﻮﻳﺮ‪ ،‬ﻟﺬا ﻳُﻌﺘﺒﺮ‬ ‫دﻟﻴﻞ ﻋﻠﻰ‬ ‫ﻣﻮﻗﻊ دار اﻟﺘﻤﻮﻳﻞ ا´ﻟﻜﺘﺮوﻧﻲ ﻓﻲ ﺣ ّﻠﺘﻪ اﻟﺠﺪﻳﺪة ﺧﻴﺮ‬ ‫ٍ‬ ‫اﻟﺘﺰاﻣﻨﺎ ﻫﺬا"‪.‬‬ ‫اﻟﻤﻄﻮّ ر اﻟﻌﺪﻳﺪ ﻣﻦ اﻟﺨﺼﺎﺋﺺ واﻟﺼﻔﺤﺎت‬ ‫ﻳﺘﻴﺢ اﻟﻤﻮﻗﻊ ُ‬ ‫اﻟﺠﺪﻳﺪة اﻟﺘﻲ ﺗﺸﻤﻞ ﻗﺴﻢ اﻟﺼﻮّ ر واﻟﻔﻴﺪﻳﻮﻫﺎت )اﻟﺘﺴﺠﻴﻼت(‬ ‫واﻟﻤﻮاد اﻟﺘﺮوﻳﺠﻴﺔ اﻟﺨﺎﺻﺔ ﺑﺪار اﻟﺘﻤﻮﻳﻞ‪ ،‬وﻣﺮﻛﺰ اﻟﺘﻮﻇﻴﻒ‬ ‫اﻻﺟﺘﻤﺎﻋﻲ‪ ،‬ﻓﻀ ً‬ ‫ﻣﻨﺼﺔ‬ ‫ﻼ ﻋﻦ اﻟﻘﺴﻢ ا´ﻋﻼﻣﻲ اﻟﺬي ﻳﻌﺘﺒّﺮ‬ ‫ّ‬ ‫ﻟ‪Ì‬ﺧﺒﺎر واﻟﺘﻘﺎرﻳﺮ اﻟﺼﺤﻔﻴﺔ اﻟﺼﺎدرة ﻋﻦ دار اﻟﺘﻤﻮﻳﻞ‪ .‬وﻳﻤﺘﺎز‬ ‫اﻟﻤﻮﻗﻊ ﻛﺬﻟﻚ ﺑﻜﻮﻧﻪ ﻳﺠﻤﻊ ﺑﻴﻦ ﺑﺴﺎﻃﺔ وﺣﺮﻓﻴﺔ اﻟﺘﺼﻤﻴﻢ‬ ‫وﻋﻤﻖ اﻟﻤﺤﺘﻮى‪ ،‬ﻓﻀ ً‬ ‫ﻼ ﻋﻦ ﺧﺼﺎﺋﺺ ﻣﺤﺮّ ك اﻟﺒﺤﺚ اﻟﺴﺮﻳﻊ اﻟﺘﻲ‬ ‫ّ‬ ‫ّ‬ ‫ّ‬ ‫وﺗﻌﺰز اﻟﺘﻔﺎﻋﻞ ﻣﻊ‬ ‫اﻟﺘﺼﻔﺢ ﻋﺒﺮ اﻟﻬﺎﺗﻒ اﻟﺠﻮّ ال‬ ‫ﺗﺴﻬﻞ ﻋﻤﻠﻴﺔ‬ ‫اﻟﺸﺮﻛﺔ ﻋﺒﺮ ا´ﻧﺘﺮﻧﺖ ً‬ ‫أﻳﻀﺎ‪ .‬ﻛﻤﺎ ﺳﻴﻌﺮض اﻟﻤﻮﻗﻊ ﻓﻲ ﺣﻠﺘﻪ‬ ‫ً‬ ‫ﺻﻔﺤﺔ ﺗﺮوﻳﺠﻴﺔ ُﺗ ّ‬ ‫ﻤﻜﻦ اﻟﻌﻤﻼء ﻣﻦ ﻣﺘﺎﺑﻌﺔ ﻛﻞ ﻣﺎ ﻫﻮ‬ ‫اﻟﺠﺪﻳﺪة‬ ‫ﺟﺪﻳﺪ ﻣﻦ ﻋﺮوض وﺧﺼﻮﻣﺎت ﻟﺪى دار اﻟﺘﻤﻮﻳﻞ‪.‬‬

‫"اﻟﻤﺴﺮﻋﺎت اﻟﺤﻜﻮﻣﻴﺔ" اﻟﺘﻲ أﻃﻠﻘﻬﺎ ﺻﺎﺣﺐ‬ ‫ﺿﻤﻦ ﻣﺒﺎدرة‬ ‫ُ‬ ‫اﻟﺴﻤﻮ اﻟﺸﻴﺦ ﻣﺤﻤﺪ ﺑﻦ راﺷﺪ آل ﻣﻜﺘﻮم ﻧﺎﺋﺐ رﺋﻴﺲ اﻟﺪوﻟﺔ‪،‬‬ ‫رﺋﻴﺲ ﻣﺠﻠﺲ اﻟﻮزراء‪ ،‬ﺣﺎﻛﻢ دﺑﻲ‪ ،‬أﻋﻠﻨﺖ دار اﻟﺘﻤﻮﻳﻞ )ش‪.‬م‪.‬ع(‬ ‫ﻋﻦ ﻃﺮح ﻓﺮص ﻋﻤﻞ ﺟﺪﻳﺪة ﻟﺠﺬب اﻟﻜﻮادر ﻣﻦ ﻣﻮاﻃﻨﻲ اﻟﺪوﻟﺔ‪،‬‬ ‫اﻟﺘﺰاﻣﺎ ﻣﻨﻬﺎ ﺑﺪﻋﻢ ﻣﺒﺎدرات اﻟﺘﻨﻤﻴﺔ واﺳﺘﻜﻤﺎ ً‬ ‫ﻻ ﻟﻤﺴﻴﺮﺗﻬﺎ‬ ‫وذﻟﻚ‬ ‫ً‬ ‫اﻟﺪاﻋﻤﺔ ﻟﺴﻴﺎﺳﺎت اﻟﺘﻮﻃﻴﻦ‪.‬‬ ‫ﻗﺎﻟﺖ ﻟﻴﻨﺎ ا®ﻋﺮج‪ ،‬رﺋﻴﺲ داﺋﺮة اﻟﻤﻮارد اﻟﺒﺸﺮﻳﺔ واﻟﺨﺪﻣﺎت اﻟﻌﺎﻣﺔ‬ ‫ﻟﻤﺠﻤﻮﻋﺔ دار اﻟﺘﻤﻮﻳﻞ‪" :‬ﻧﻠﺘﺰم ﻓﻲ دار اﻟﺘﻤﻮﻳﻞ ﺑﺪﻋﻢ ﺳﻴﺎﺳﺔ‬ ‫اﻟﺘﻮﻃﻴﻦ ﻋﺒﺮ ﺟﺬب اﻟﻜﻮادر اﻟﻤﺎﻫﺮة واﻟﻤﻮﻫﻮﺑﺔ ﻓﻲ اﻟﺴﻮق‪ ،‬إﻟﻰ‬ ‫ﻋﻤﻞ ﻣﺘﻨﻮﻋﺔ‬ ‫ﺟﺎﻧﺐ ﺗﻄﻮﻳﺮ ﺑﺮاﻣﺞ اﻟﺘﺪرﻳﺐ واﻟﺘﺄﻫﻴﻞ وﺧﻠﻖ ﻓﺮص‬ ‫ٍ‬ ‫ﻓﻲ اﻟﻘﻄﺎع اﻟﻤﺎﻟﻲ"‪.‬‬ ‫ﻫﺬا وﺷﺎرﻛﺖ دار اﻟﺘﻤﻮﻳﻞ ﻓﻲ "ﻣﻬﺮﺟﺎن اﻟﺘﻮﻇﻴﻒ ﻟﻌﺎم ‪"2016‬‬ ‫اﻟﻤﻨﻌﻘﺪ ﻓﻲ ﻣﻌﻬﺪ ا´ﻣﺎرات ﻟﻠﺪراﺳﺎت اﻟﻤﺼﺮﻓﻴﺔ واﻟﻤﺎﻟﻴﺔ –‬ ‫ُ‬ ‫دﺑﻲ‪ ،‬ﻓﻲ اﻟﻤﻮاﻓﻖ ‪ 18‬و‪ 19‬دﻳﺴﻤﺒﺮ ﻣﻦ ﻋﺎم ‪ ،٢٠١٦‬واﻟﺬي ﻧﻈﻤﺘﻪ‬ ‫وزارة اﻟﻤﻮارد اﻟﺒﺸﺮﻳﺔ واﻟﺘﻮﻃﻴﻦ ﻓﻲ إﻃﺎر ﻋﻤﻞ "اﻟﻤﺴﺮﻋﺎت‬ ‫اﻟﺤﻜﻮﻣﻴﺔ" ﻟﻄﺮح ﻓﺮص ﻋﻤﻞ ﺟﺪﻳﺪة ﺗﺠﺬب اﻟﻌﻤﺎﻟﺔ اﻟﻮﻃﻨﻴﺔ‬ ‫إﻟﻰ اﻟﻘﻄﺎع اﻟﻤﺎﻟﻲ‪.‬‬ ‫وﺧﺘﻤﺖ ا®ﻋﺮج ﻗﺎﺋﻠﺔ‪" :‬ﻛﻮﻧﻨﺎ ﻣﺆﺳﺴﺔ ﻣﺎﻟﻴﺔ ﻣﺤﻠﻴﺔ ﺗﺴﻌﻰ إﻟﻰ‬ ‫اﻟﻤﺴﺎﻫﻤﺔ ﻓﻲ دﻓﻊ ﻋﺠﻠﺔ ﻧﻤﻮ وﺗﻄﻮّ ر دوﻟﺔ ا´ﻣﺎرات اﻟﻌﺮﺑﻴﺔ‬ ‫ً‬ ‫أﻫﻤﻴﺔ ﻗﺼﻮى ﻟﺘﻮﻇﻴﻒ ذوي‬ ‫اﻟﻤﺘﺤﺪة‪ُ ،‬ﻧﻮﻟﻲ ﻓﻲ دار اﻟﺘﻤﻮﻳﻞ‬ ‫اﻟﺨﺒﺮة واﻟﺨﺮﻳﺠﻴﻦ اﻟﺠﺪد ﻣﻦ اﻟﻤﻮاﻃﻨﻴﻦ اﻟﺬﻳﻦ ﻳﺴﻌﻮن‬ ‫ﻟﺘﺄﺳﻴﺲ ﻣﺴﻴﺮة ﻣﻬﻨﻴﺔ ﻣﻤﻴﺰة واﻻﻧﻀﻤﺎم إﻟﻰ ﺑﺮاﻣﺞ ﺗﺪرﻳﺒﻴﺔ ﺗﻢ‬ ‫ﻓﻌﺎل وﺑﺄﻋﻠﻰ درﺟﺎت اﻟﺠﻮدة ﻟ ُﺘﺸﻜﻞ ﺣﺠﺮ‬ ‫إﻋﺪادﻫﺎ ﺑﺸﻜﻞ ّ‬ ‫ا®ﺳﺎس اﻟﺬي ﻳﺮﺗﻜﺰ ﻋﻠﻴﻪ ﻛﻞ ﻣﻦ ﻳﻨﻀﻢ إﻟﻰ دار اﻟﺘﻤﻮﻳﻞ ﻓﻲ‬ ‫رﺣﻠﺔ ﻣﻬﻨﻴﺔ ﺑ ّﻨﺎءة"‪.‬‬

‫"ﻣﻌﺎ ﻟﺘﺮاﺑﻂ ا‪À‬ﺳﺮة وﺗﻮاﺻﻠﻬﺎ"‬ ‫دار اﻟﺘﻤﻮﻳﻞ ُﺗﻄﻠﻖ ﻣﺒﺎدرة‬ ‫ً‬ ‫ً‬ ‫اﻧﻄﻼﻗﺎ ﻣﻦ روح اﻟﺘﻜﺎﺗﻒ وإﻳﻤﺎ ًﻧﺎ ﻣﻨﻬﺎ ﺑﺄﻫﻤﻴﺔ اﻟﻌﻤﻞ ا´ﻧﺴﺎﻧﻲ‪ ،‬أﻃﻠﻘﺖ دار اﻟﺘﻤﻮﻳﻞ‬ ‫"ﻣﻌﺎ ﻟﺘﺮاﺑﻂ ا®ﺳﺮة وﺗﻮاﺻﻠﻬﺎ"‪ ،‬ﺣﻴﺚ ﺗﺠﻮّ ل ﻣﻤﺜﻠﻮ دار اﻟﺘﻤﻮﻳﻞ ﻓﻲ ﺷﻮارع ا´ﻣﺎرات‬ ‫ﻣﺒﺎدرة ً‬ ‫ﻣﻜﺎﻟﻤﺎت دوﻟﻴﺔٍ ﻣﺠﺎ ّﻧﻴﺔٍ ﻳ ّﺘﺼﻞ ﻣﻦ ﺧﻼﻟﻬﺎ أﻓﺮاد ا®ﺳﺮة ﻣﻊ‬ ‫اﻟﻌﺮﺑﻴﺔ اﻟﻤ ّﺘﺤﺪة ´ﻫﺪاء‬ ‫ٍ‬ ‫ّ‬ ‫وﻳﺘﻤﺜﻞ ﻫﺪف اﻟﺪار ﻣﻦ ﻫﺬه اﻟﻤﺒﺎدرة ﻓﻲ إدﺧﺎل اﻟﺒﻬﺠﺔ واﻟﺴﺮور إﻟﻰ‬ ‫ﺑﻌﻀﻬﻢ اﻟﺒﻌﺾ‪.‬‬ ‫ﻧﻔﻮس ّ‬ ‫ً‬ ‫ﺳﻜﺎن اﻟﺪوﻟﺔ ﻣﻦ ﻣﻮاﻃﻨﻴﻦ وواﻓﺪﻳﻦ‪ ،‬وذﻟﻚ اﻧﻄﻼﻗﺎ ﻣﻦ إدراﻛﻬﺎ ﺑﺄن ا®ﺳﺮة ﻫﻲ‬ ‫ّ‬ ‫ُ‬ ‫ُ‬ ‫ُ‬ ‫اﻟﻤﺤﻔﺰ‬ ‫ﻣﺼﺪ ُر اﻟﺒﻬﺠﺔ وﻣﺒﻌﺚ اﻟﻔﺮح‪،‬‬ ‫ﻓﻜﻠﻤﺎت ا®ﻫﻞ اﻟﺘﻲ ﻻ ﺗﻔﺎرق ﻣﺴﺎﻣﻊ اﻟﻤﺮء ﻫﻲ ُ‬ ‫واﻟﺪاﻓﻊ اﻟﺬي ﻳﺤﺘﺎج إﻟﻴﻪ ﻟﻴﺸﻖ ﻃﺮﻳﻘﻪ‪ .‬وﺣ ّﺘﻰ ﻟﻮ ﻓﺮّ ﻗﺖ اﻟﻤﺴﺎﻓﺎت واﻟﺤﺪود ﺑﻴﻦ اﻟﻔﺮد‬ ‫وأﺳﺮﺗﻪ‪ ،‬وﻣﻬﻤﺎ ﻛﺎﻧﺖ اﻟﻤﺴﺎﻓﺎت‪ ،‬ﻏﻴﺮ أ ّﻧﻪ ﻻ ﺷﻲء ﻳﻤﻜﻦ أن ﻳﻘﻠﻞ أو ّ‬ ‫ﻳﺆﺛﺮ ﻋﻠﻰ ﺗﻮاﺻﻠﻨﺎ ﻣﻊ‬ ‫ﻋﺎﺋﻼﺗﻨﺎ‪.‬‬ ‫| اﻟﻌﺪد ‪15‬‬

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‫ا®ﻋﻤﺎل‬ ‫دار اﻟﺘﻤﻮﻳﻞ ﻟ‪É‬وراق اﻟﻤﺎﻟﻴﺔ ﺗﻨﺎل ﺟﺎﺋﺰة ﻋﻦ ﺗﻄﺒﻴﻘﻬﺎ‬ ‫ﻟﻠﺘﺪاول ﻋﺒﺮ اﻟﻬﺎﺗﻒ اﻟﺠﻮّ ال‬ ‫ﻓﺎزت دار اﻟﺘﻤﻮﻳﻞ ﻟ‪Ì‬وراق اﻟﻤﺎﻟﻴﺔ ‪ -‬ذراع اﻟﻮﺳﺎﻃﺔ اﻟﻤﺎﻟﻴﺔ اﻟﺘﺎﺑﻌﺔ‬ ‫ﻟﺪار اﻟﺘﻤﻮﻳﻞ )ش‪.‬م‪.‬ع( – ﺑﺠﺎﺋﺰة ﺗﻘﺪﻳﺮ ﻣﻦ ﺳﻮق دﺑﻲ اﻟﻤﺎﻟﻲ‬ ‫)‪ (DFM‬ﻋﻦ ﺗﻄﺒﻴﻘﻬﺎ اﻟﻤﺨﺼﺺ ﻟﻠﺘﺪاول ﻋﺒﺮ اﻟﻬﺎﺗﻒ اﻟﺠﻮال‪،‬‬ ‫وذﻟﻚ ﻓﻲ ﺣﻔﻞ ﺗﻮزﻳﻊ ﺟﻮاﺋﺰ "ﺟﻴﺘﻜﺲ ‪"2016‬؛ ﺣﻴﺚ ﻳﺘﻴﺢ ﻫﺬا‬ ‫اﻟﺘﻄﺒﻴﻖ اﻟﻤﺠﺎﻧﻲ ﻟﻠﻤﺴﺘﺜﻤﺮﻳﻦ إﻣﻜﺎﻧﻴﺔ اﻟﺪﺧﻮل إﻟﻰ ﺳﻮق‬ ‫أﺑﻮﻇﺒﻲ ﻟ‪Ì‬وراق اﻟﻤﺎﻟﻴﺔ )‪ (ADX‬وﺳﻮق دﺑﻲ اﻟﻤﺎﻟﻲ )‪(DFM‬‬ ‫ﻟﻠﺘﺪاول وﻣﺘﺎﺑﻌﺔ ﻛﺎﻓﺔ ﻣﺴﺘﺠﺪات ا®ﺳﻌﺎر‪ ،‬ﻓﻀ ً‬ ‫ﻼ ﻋﻦ إﻣﻜﺎﻧﻴﺔ‬ ‫اﻻﻃﻼع ﻋﻠﻰ اﻟﻤﺤﺎﻓﻆ اﻻﺳﺘﺜﻤﺎرﻳﺔ اﻟﺨﺎﺻﺔ ﺑﻬﻢ واﻟﻘﺪرة ﻋﻠﻰ‬ ‫إﺟﺮاء ﻋﻤﻠﻴﺎت اﻟﺒﻴﻊ واﻟﺸﺮاء ﻟ‪Ì‬ﺳﻬﻢ ﻋﺒﺮ اﻟﻬﺎﺗﻒ اﻟﺠﻮّ ال‪.‬‬ ‫وﻳﻤﻜﻦ ﺗﺤﻤﻴﻞ اﻟﺘﻄﺒﻴﻖ‪ -‬اﻟﺬي ﻳﻌﺘﺒﺮ ﻣﻦ ﺑﻴﻦ أوﻟﻰ اﻟﺘﻄﺒﻴﻘﺎت‬ ‫ﻣﻦ ﻧﻮﻋﻪ ﻓﻲ اﻟﺴﻮق ا´ﻣﺎراﺗﻴﺔ‪ -‬ﻋﻦ ﻃﺮﻳﻖ ﻣﺘﺠﺮ "آﺑﻞ ﺳﺘﻮر"‬ ‫‪ Apple App Store‬أو‬ ‫"ﺟﻮج ﺑﻼي" ‪.Google Play‬‬ ‫وﻗﺎل أﻳﻤﻦ اﻟﺨﻄﻴﺐ‪،‬‬ ‫اﻟﻤﺪﻳﺮ اﻟﻌﺎم ﻟﺪار اﻟﺘﻤﻮﻳﻞ‬ ‫ﻟ‪Ì‬وراق اﻟﻤﺎﻟﻴﺔ‪" :‬ﻳﺸﺮﻓﻨﺎ‬ ‫اﻟﻔﻮز ﺑﺠﺎﺋﺰة اﻟﺘﻘﺪﻳﺮ‬ ‫ﺑﺼﻔﺔ أﻓﻀﻞ ﻣﻮﻓﺮ‬ ‫ﻟﺘﻄﺒﻴﻘﺎت اﻟﺘﺪاول ﻋﺒﺮ‬ ‫اﻟﺠﻮال ﻟﻌﺎم ‪ 2016‬ﻓﻲ‬ ‫دوﻟﺔ ا´ﻣﺎرات اﻟﻌﺮﺑﻴﺔ‬ ‫داﺋﻤﺎ ﻟﺘﻘﺪﻳﻢ اﻟﺤﻠﻮل ا®ﻛﺜﺮ اﺑﺘﻜﺎرًا‬ ‫اﻟﻤﺘﺤﺪة‪ ،‬ﻓﻨﺤﻦ ﻧﺴﻌﻰ‬ ‫ً‬ ‫ّ‬ ‫وﺗﻤﺜﻞ ﻫﺬه اﻟﺠﺎﺋﺰة دﻟﻴ ًﻠﺎ ﻳﺆﻛﺪ ﺗﻤﻴّﺰ‬ ‫وﺗﻤﻴ ًﺰا ﻟﻠﻤﺴﺘﺜﻤﺮﻳﻦ‪.‬‬ ‫ﺗﻄﺒﻴﻘﻨﺎ اﻟﻤﺠﺎﻧﻲ ﻟﻠﺘﺪاول ﻋﺒﺮ اﻟﻬﺎﺗﻒ اﻟﺠﻮال‪ ،‬وﻣﺎ ﻳﺘﻴﺤﻪ ﻣﻦ‬ ‫ّ‬ ‫ﻳﻌﺰز ﺗﺠﺮﺑﺔ اﻟﺘﺪاول ﻟﻌﻤﻼﺋﻨﺎ‬ ‫ﻗﻴﻤﺔ ﻟﻠﺴﻮق ا´ﻣﺎراﺗﻴﺔ‪ ،‬ﺣﻴﺚ‬ ‫اﻟﻜﺮام ﻣﻦ ﺧﻼل ﺗﺰوﻳﺪﻫﻢ ﺑﺘﻄﺒﻴﻖ آﻣﻦ وﺳﻬﻞ اﻻﺳﺘﺨﺪام‬ ‫ﻣﻤﺎ ﻳﺘﻴﺢ ﻟﻬﻢ اﻟﺘﺪاول ﻓﻲ أي وﻗﺖ وﻓﻲ أي ﻣﻜﺎن"‪.‬‬ ‫ﻳُﺸﺎر إﻟﻰ ّ‬ ‫أن دار اﻟﺘﻤﻮﻳﻞ ﻟ‪Ì‬وراق اﻟﻤﺎﻟﻴﺔ ﺣﺼﺪت ﺟﺎﺋﺰة أﻓﻀﻞ‬ ‫ﺧﺪﻣﺔ ﻣﺤﻠﻴﺔ ﻟﺘﺪاول ا®ﺳﻬﻢ ﻟﻠﺴﻨﺔ اﻟﺜﺎﻧﻴﺔ ﻋﻠﻰ اﻟﺘﻮاﻟﻲ ﺧﻼل‬ ‫ﺣﻔﻞ ﺗﻮزﻳﻊ ﺟﻮاﺋﺰ ﺑﺎﻧﻜﺮ ﻣﻴﺪل إﻳﺴﺖ ﻟﻠﻤﻨﺘﺠﺎت ﻟﻌﺎم ‪.2015‬‬ ‫وﺧﺘﻢ اﻟﺨﻄﻴﺐ ﻗﺎﺋ ً‬ ‫ﻼ‪" :‬ﻳﻌﺪ ﻫﺬا إﻧﺠﺎ ًزا آﺧﺮ ﻧﻔﺘﺨﺮ ﺑﻪ‪ ،‬وﺳﻨﻮاﺻﻞ‬ ‫ﺪﻣﺎ واﺿﻌﻴﻦ ﻧﺼﺐ أﻋﻴﻨﻨﺎ أﻫﺪاﻓﻨﺎ وﻃﻤﻮﺣﺎﺗﻨﺎ ﻧﺤﻮ‬ ‫اﻟﻤﻀﻲ ُﻗ ً‬ ‫ُ‬ ‫ُ‬ ‫دوﻣﺎ اﻟﺮﻏﺒﺔ ﻓﻲ‬ ‫ﺗﺤﻘﻴﻖ ﻣﺰﻳﺪ ﻣﻦ ا´ﻧﺠﺎزات‪ ،‬ﺣﻴﺚ ﺗﺤﻔﺰﻧﺎ‬ ‫ً‬ ‫ﺗﻘﺪﻳﻢ أﻓﻀﻞ اﻟﺨﺪﻣﺎت ﻟﻌﻤﻼﺋﻨﺎ اﻟﻜﺮام ﺑﺄﻋﻠﻰ ﻣﺴﺘﻮﻳﺎت‬ ‫اﻟﺠﻮدة واﻟﻜﻔﺎءة"‪.‬‬

‫‪www.EmiratesReview.ae‬‬

‫دار اﻟﺘﺄﻣﻴﻦ ﺗﻨﻈﻢ ﺣﻤﻠﺔ ﻟﻠﺘﺒﺮع ﺑﺎﻟﺪم ﻓﻲ أﺑﻮﻇﺒﻲ‬ ‫ّ‬ ‫ﻧﻈﻤﺖ دار اﻟﺘﺄﻣﻴﻦ ش‪.‬م‪.‬ع‬ ‫ً‬ ‫ﺣﻤﻠﺔ ﻟﻠﺘﺒﺮّ ع ﺑﺎﻟﺪم ﻓﻲ‬ ‫ﻣﻘﺮﻫﺎ اﻟﺮﺋﻴﺴﻲ ﻓﻲ أﺑﻮﻇﺒﻲ؛‬ ‫ﺣﻴﺚ ُأﺟﺮﻳﺖ اﻟﺤﻤﻠﺔ ﺑﺎﻟﺘﻌﺎون‬ ‫ﻣﻊ ﺑﻨﻚ اﻟﺪم ﻓﻲ أﺑﻮﻇﺒﻲ‬ ‫ﺗﺤﺖ إﺷﺮاف ﻣﺪﻳﻨﺔ اﻟﺸﻴﺦ‬ ‫ﺧﻠﻴﻔﺔ اﻟﻄﺒﻴﺔ اﻟﺘﻲ ﺳﺎﻫﻤﺖ‬ ‫ﺑﺘﻘﺪﻳﻢ وﺣﺪات اﻟﺘﺒﺮّ ع ﺑﺎﻟﺪم‪.‬‬ ‫ً‬ ‫وﺗﻌﻠﻴﻘﺎ ﻋﻠﻰ ﻫﺬه اﻟﺤﻤﻠﺔ‪،‬‬ ‫ﻗﺎل وﺳﺎم ﻓﺮّ ان‪ ،‬ﻣﺪﻳﺮ داﺋﺮة اﻻﺗﺼﺎل اﻟﻤﺆﺳﺴﻲ ﻟﻠﻤﺠﻤﻮﻋﺔ‬ ‫ﻓﻲ دار اﻟﺘﺄﻣﻴﻦ‪" :‬ﺗﻌﻜﺲ ﻫﺬه اﻟﺤﻤﻠﺔ اﻟﺘﺰام دار اﻟﺘﺄﻣﻴﻦ‬ ‫اﻟﻤﺴﺘﻤﺮ ﺗﺠﺎه اﻟﻤﺠﺘﻤﻊ اﻟﺬي ﺗﻌﻤﻞ ﻓﻴﻪ ﻋﺒﺮ اﻟﻨﺸﺎﻃﺎت‬ ‫اﻟﻤﺠﺘﻤﻌﻴﺔ ﻟﻠﺸﺮﻛﺔ وﻣﺒﺎدراﺗﻬﺎ ا´ﻧﺴﺎﻧﻴﺔ ﺗﺠﺎه أﻓﺮاده‪.‬‬ ‫ُ‬ ‫ً‬ ‫واﻧﻄﻼﻗﺎ ﻣﻦ إﻳﻤﺎﻧﻬﺎ اﻟﻌﻤﻴﻖ ﺑﺄﻫﻤﻴﺔ ﻫﺬه اﻟﻨﺸﺎﻃﺎت‪ ،‬ﻻ ﺗﻨﻔﻚ‬ ‫دار اﻟﺘﺄﻣﻴﻦ ﻋﻦ ﺗﻮﻋﻴﺔ وﺗﺤﻔﻴﺰ ودﻋﻮة ﻣﻮﻇﻔﻴﻬﺎ وﻋﻤﻼﺋﻬﺎ‬ ‫اﻟﻜﺮام ﻟﻠﻤﺸﺎرﻛﺔ ﻣﻌﻬﺎ ﻓﻲ اﻟﻌﻄﺎء وﺧﺪﻣﺔ اﻟﻤﺠﺘﻤﻊ"‪.‬‬ ‫وﺗﺄﺗﻲ اﻟﺤﻤﻠﺔ ﻛﺎﺳﺘﺠﺎﺑﺔ ﻟﻠﺤﺎﺟﺔ اﻟﻤﺘﻨﺎﻣﻴﺔ إﻟﻰ اﻟﺘﺒﺮّ ع ﺑﺎﻟﺪم‬ ‫ﻣﻦ أﺟﻞ اﻟﻤﺴﺎﻫﻤﺔ ﻓﻲ ﻋﻼج اﻟﻜﺜﻴﺮ ﻣﻦ ا®ﻣﺮاض ﻣﺜﻞ ا®ﻧﻴﻤﻴﺎ‬ ‫اﻟﻤﻨﺠﻠﻴﺔ واﻟﺜﻼﺳﻴﻤﻴﺎ وﻏﻴﺮﻫﺎ‪ ،‬وﺗﻌﻜﺲ ﺣﺮص دار اﻟﺘﺄﻣﻴﻦ ﻣﻨﺬ‬ ‫ﺗﺄﺳﻴﺴﻬﺎ ﻋﻠﻰ إدراج ﻣﺒﺎدراﺗﻬﺎ اﻟﻤﺠﺘﻤﻌﻴﺔ ﺿﻤﻦ ﻗﺎﺋﻤﺔ‬ ‫ﻧﺸﺎﻃﺎﺗﻬﺎ وأﻋﻤﺎﻟﻬﺎ ا®ﺳﺎﺳﻴﺔ‪ ،‬ﺣﻴﺚ ﺗﻨﺒﻊ اﺳﺘﺮاﺗﻴﺠﻴﺘﻬﺎ ﻣﻦ‬ ‫رؤﻳﺔ اﻟﺸﺮﻛﺔ اﻟﻤﺘﻤﺜﻠﺔ ﻓﻲ ﻟﻌﺐ دور دﻳﻨﺎﻣﻴﻜﻲ ﻓﻲ ﺗﻨﻤﻴﺔ‬ ‫اﻟﻤﺠﺘﻤﻊ اﻟﺬي ﺗﻨﺘﻤﻲ إﻟﻴﻪ‪ ،‬وﺿﻤﺎن ﺣﻴﺎة أﻛﺜﺮ ﺻﺤﺔ ®ﻋﻀﺎﺋﻪ‪.‬‬

‫دار اﻟﺘﻤﻮﻳﻞ ﺗﺪﻋﻢ اﻟﻤﺠﺘﻤﻊ اﻟﻤﺤﻠﻲ ﻋﺒﺮ ﻣﺒﺎدراﺗﻬﺎ‬ ‫اﻟﻤﺠﺘﻤﻌﻴﺔ‬ ‫ﺗﺄﻛﻴﺪً ا ﻋﻠﻰ اﻟﺘﺰام اﻟﺸﺮﻛﺔ ﺑﺪﻋﻢ اﻟﻤﺠﺘﻤﻊ ا´ﻣﺎراﺗﻲ‪ ،‬ﻓﻘﺪ‬ ‫ﻤﺪت دار اﻟﺘﻤﻮﻳﻞ إﻟﻰ رﻋﺎﻳﺔ "ﺑﻄﻮﻟﺔ ﻣﺎرﻳﻨﺎ ﻣﻮل اﻟﺮﻣﻀﺎﻧﻴﺔ‬ ‫ﻋَ َ‬ ‫ﻟﻜﺮة اﻟﻘﺪم" ﻟﺴﻨﺔ ‪ ،2016‬واﻟﺘﻲ أﻗﻴﻤﺖ ﻓﻲ ﺷﻬﺮ رﻣﻀﺎن‬ ‫اﻟﻤﺒﺎرك؛ ﺣﻴﺚ اﺣﺘﻔﺖ اﻟﺪار ﺑﻔﻮز ﻓﺮﻳﻘﻬﺎ اﻟﺬي ُﺗﻮﱢ جَ ﺑﻄ ً‬ ‫ﻼ ﻟﻬﺬه‬ ‫اﻟﺒﻄﻮﻟﺔ ﺑﺈﺣﺮاز ﻫﺪﻓﻴﻦ ﻣﻘﺎﺑﻞ ﻻ ﺷﻲء ﻓﻲ اﻟﻤﺒﺎراة اﻟﻨﻬﺎﺋﻴﺔ‪.‬‬ ‫واﻧﺴﺠﺎﻣﺎ ﻣﻊ اﻟﻘﻴﻢ اﻟﺘﻲ‬ ‫ﻓﻲ ﺳﻴﺎق اﻟﺘﺰاﻣﻬﺎ ﺑﺪﻋﻢ اﻟﻤﺠﺘﻤﻊ‬ ‫ً‬ ‫ﻟﻄﺎﻟﻤﺎ ارﺗﺒﻄﺖ ﺑﺸﻬﺮ رﻣﻀﺎن اﻟﻜﺮﻳﻢ‪ ،‬اﻧﻀﻤﺖ دار اﻟﺘﻤﻮﻳﻞ إﻟﻰ‬ ‫ﻣﺒﺎدرة "ﺛﻼﺟﺎت اﻟﺨﻴﺮ" ﺧﻼل اﻟﺸﻬﺮ اﻟﻔﻀﻴﻞ؛ ﺣﻴﺚ ﻗﺎﻣﺖ ﺑﻮﺿﻊ‬ ‫ً‬ ‫ﺛﻼﺟﺔ ﺿﻤﻦ ﻣﺴﺠﺪ ﻳﻘﻊ ﺧﻠﻒ اﻟﻤﻘﺮ اﻟﺮﺋﻴﺴﻲ ﻟﻠﺸﺮﻛﺔ ﻓﻲ‬ ‫اﻟﺨﺎﻟﺪﻳﺔ ﺑﺄﺑﻮﻇﺒﻲ‪ ،‬ﻣﻊ إﻣﺪادﻫﺎ ﺑﺎﻟﻤﻮاد اﻟﻐﺬاﺋﻴﺔ ا®ﺳﺎﺳﻴﺔ‬ ‫واﻟﻤﺸﺮوﺑﺎت اﻟﻤﺘﺎﺣﺔ ﻟﻜﻞ ﻣﻦ ﻳﻤﺮ ﺑﻬﺎ ﻣﻦ ﻋﺎﻣﻠﻴﻦ أو ﻣﻮاﻃﻨﻴﻦ‪،‬‬ ‫ﻋﻠﻤﺎ أن دار اﻟﺘﻤﻮﻳﻞ ﻗﺮّ رت ﺑﻌﺪ اﻧﺘﻬﺎء اﻟﺸﻬﺮ اﻟﻔﻀﻴﻞ ﺗﺮك‬ ‫ً‬ ‫اﻟﺜ ّ‬ ‫ﻼﺟﺔ ﻓﻲ ﻣﻜﺎﻧﻬﺎ ﺣﺘﻰ ﻧﻬﺎﻳﺔ اﻟﻌﺎم‪ ،‬وذﻟﻚ ﻓﻲ ﻟﻔﺘﺔ ﺗﺆﻛﺪ‬ ‫ﻣﺠﺪدً ا اﻟﺘﺰاﻣﻬﺎ ﺑﺪﻋﻢ اﻟﻤﺠﺘﻤﻊ وﺗﻘﺪﻳﻢ ﻛﻞ ﻣﺎ ﻣﻦ ﺷﺄﻧﻪ‬ ‫ﺗﻌﺰﻳﺰ روح اﻟﺘﻌﺎون وا´ﻧﺴﺎﻧﻴﺔ‪.‬‬

‫| اﻟﻌﺪد ‪15‬‬

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‫ً‬ ‫أﻫﻼ ﺑﻜﻢ ﻓﻲ‬ ‫أﻧﺤﺎء ﻣﺨﺘﻠﻔﺔ ﻣﻦ اﻟﻌﺎﻟﻢ ﺧﻼل اﻟﺴﻨﺔ‬ ‫اﻟﻬﺎﻣﺔ‪ ،‬ﺑﻴﻨﻤﺎ‬ ‫اﻟﻔﺎﺋﺘﺔ اﻟﻌﺪﻳﺪ ﻣﻦ اﻟﺘﻐﻴّﺮات‬ ‫ّ‬ ‫واﺻﻠﺖ ﻋﺠﻠﺔ اﻟﺘﺠﺎرة واﻟﺼﻨﺎﻋﺔ ﻣﺴﻴﺮﻫﺎ‬ ‫إﻟﻰ ا®ﻣﺎم ﺑﺜﻘﺔ ﻓﻲ دوﻟﺔ ا´ﻣﺎرات اﻟﻌﺮﺑﻴﺔ‬ ‫اﻟﻤﺘﺤﺪة‪ .‬وﻓﻲ ﺣﻴﻦ ﺷﻬﺪ ﻫﺬا اﻟﻌﺎم إﻧﺠﺎزات ﻣﺒﻬﺮة ﻓﻲ ﻣﺠﺎل‬ ‫ﺗﺸﻴﻴﺪ أﺑﻨﻴﺔ ﻣﺬﻫﻠﺔ زﻳّﻨﺖ أﻓﻖ ا´ﻣﺎرات‪ ،‬ﺛﻤﺔ ﺷﺮﻛﺎت ﺗﺪأب ﻋﻠﻰ‬ ‫ّ‬ ‫ﺗﻘﻞ أﻫﻤﻴﺔ ﻋﻦ‬ ‫ﺗﻨﻔﻴﺬ ﻣﺸﺎرﻳﻊ ﺑﻨﻰ ﺗﺤﺘﻴﺔ ﺗﺠﺮي ﻓﻲ اﻟﺨﻔﺎء وﻻ‬ ‫ﻏﻴﺮﻫﺎ ﻣﻦ اﻟﻤﺸﺎرﻳﻊ‪ .‬وﻣﻦ ﺑﻴﻦ ﻫﺬه اﻟﺸﺮﻛﺎت ﻧﺬﻛﺮ ﻧﺎﺷﻴﻮﻧﺎل‬ ‫ﺗﻘﺪم‬ ‫ﺟﻠﻒ ﻛﻮﻧﺴﺘﺮﻛﺸﻦ اﻟﺘﻲ اﺿﻄﻠﻌﺖ ﺑﺪور رﺋﻴﺴﻲ ﻓﻲ‬ ‫ّ‬ ‫ﻋﺎﻣﺎ‪ ،‬ﺣﻴﺚ ﺑﺪأت‬ ‫دوﻟﺔ ا´ﻣﺎرات ﺑﻜﻞ ﺳﻼﺳﺔ ﻣﻨﺬ أﻛﺜﺮ ﻣﻦ ‪40‬‬ ‫ً‬ ‫ﺑﻌﺪد ﻗﻠﻴﻞ ﻣﻦ اﻟﺸﺎﺣﻨﺎت وراﺣﺖ ﺗﻨﻤﻮ ﺣﺘﻰ ﺻﺎرت ﺗﺴﺘﻠﻢ‬ ‫ً‬ ‫ا®ﻣﺔ‪ .‬وﻟﻘﺪ ﺣﺎﻟﻔﻨﺎ اﻟﺤﻆ‬ ‫ﺑﻌﻀﺎ ﻣﻦ أﻛﺒﺮ اﻟﻤﺸﺎرﻳﻊ اﻟﺒﻠﺪﻳﺔ ﻓﻲ ّ‬ ‫ﺑﺎﻟﺘﺤﺪث ﻣﻊ اﻟﺮﺋﻴﺲ اﻟﺘﻨﻔﻴﺬي ﻟﺸﺮﻛﺔ ﻧﺎﺷﻴﻮﻧﺎل ﺟﻠﻒ‬ ‫ّ‬ ‫ﻛﻮﻧﺴﺘﺮﻛﺸﻦ‪ ،‬اﻟﺴﻴﺪ ﻧﺎﺻﺮ ﻋﻠﻲ ﻳﺴﻠﻢ ﺣﺴﻦ ﺣﻮل اﻟﻘﻀﺎﻳﺎ‬ ‫اﻟﻬﺎﻣﺔ اﻟﺘﻲ ﺗﻮاﺟﻪ ﻗﻄﺎع اﻟﺒﻨﺎء ﺣﺎﻟﻴًﺎ‪ ،‬وﺗﺠﺪون ﺗﻔﺎﺻﻴﻞ اﻟﻤﻘﺎﺑﻠﺔ‬ ‫ﻓﻲ اﻟﺼﻔﺤﺔ ‪.8‬‬ ‫ﻻ رﻳﺐ ﻓﻲ ّ‬ ‫ﻳﺘﺼﺪر ﻗﺎﺋﻤﺔ‬ ‫أن ﺗﻮﻓﻴﺮ ﺗﻌﻠﻴﻢ ﻋﺎﻟﻲ اﻟﺠﻮدة‬ ‫ّ‬ ‫أوﻟﻮﻳﺎت ا®ﻫﻞ‪ ،‬إﻻ ّ‬ ‫أن ﻛﻠﻔﺔ اﻟﺘﻌﻠﻴﻢ وﺑﻌﺾ اﻟﻤﺴﺎﺋﻞ ا®ﺧﺮى‬ ‫ّ‬ ‫ﺷﻜﻠﺖ ﺗﺤﺪﻳًﺎ أﻣﺎم ﺑﻌﺾ ا®ﺟﺎﻧﺐ‪ ،‬ﻣﺎ دﻓﻊ أﺣﺪ أﺑﺮز رﺟﺎل‬ ‫ا®ﻋﻤﺎل ﻓﻲ دوﻟﺔ ا´ﻣﺎرات‪ ،‬وﻫﻮ ﻣﻌﺎﻟﻲ ﺟﻤﻌﺔ اﻟﻤﺎﺟﺪ‪ ،‬إﻟﻰ‬ ‫اﻓﺘﺘﺎح ﻣﺪرﺳﺔ ﺧﻴﺮﻳﺔ ﻣﻨﺬ ‪ 30‬ﺳﻨﺔ ﻣﻀﺖ‪ .‬أﻣﺎ اﻟﻴﻮم ﻓﻬﻮ‬ ‫ﻣﺴﺆول ﻋﻦ ﺗﻮﻓﻴﺮ ﺗﻌﻠﻴﻢ ﺑﻜﻠﻔﺔ ﻣﻌﻘﻮﻟﺔ ﻟﻤﺎ ﻳﺘﺠﺎوز ‪ 11‬أﻟﻒ‬ ‫ﻃﻔﻞ‪ .‬اﻗﺮأوا اﻟﻤﺰﻳﺪ ﻋﻦ اﻟﻤﻮﺿﻮع ﻓﻲ اﻟﺼﻔﺤﺔ ‪.12‬‬ ‫وإذا ﻛﻨﺘﻢ ﺗﻌﺘﺰﻣﻮن ﺗﺄﺳﻴﺲ ﺷﺮﻛﺔ ﺟﺪﻳﺪة‪ ،‬ﻓﺄﻧﺘﻢ ﺗﻌﻠﻤﻮن‬ ‫ﺟﻴﺪً ا أ ّﻧﻜﻢ ﺳﺘﻮاﺟﻬﻮن اﻟﻌﺪﻳﺪ ﻣﻦ اﻟﺘﺤﺪﻳﺎت‪ .‬ﺑﻴﺪ أ ّﻧﻜﻢ ﻟﻦ‬ ‫ﺗﻀﻄﺮّ وا إﻟﻰ ﻣﻮاﺟﻬﺔ ﺗﺤﺪي ﺗﺄﻣﻴﻦ اﻟﺴﻴﻮﻟﺔ اﻟﻨﻘﺪﻳﺔ إذا ﻣﺎ‬ ‫ﻗﺮأﺗﻢ ﻣﻘﺎﻟﻨﺎ ﻓﻲ اﻟﺼﻔﺤﺔ ‪ .15‬ﺷﻬﺪ‬ ‫ً‬ ‫أﺣﺪاﺛﺎ ﺑﺎرزة ﺧﻼل ﺻﻴﻒ ‪،٢٠١٦‬‬ ‫اﻟﻌﺎﻟﻢ‬ ‫أﻫﻤﻬﺎ اﺗﺨﺎذ اﻟﻤﻤﻠﻜﺔ اﻟﻤﺘﺤﺪة‬ ‫وﻛﺎن‬ ‫ّ‬ ‫ﻟﻘﺮار ﻣﻔﺎﺟﺊ ﻗﻀﻰ ﺑﺎﻟﺨﺮوج ﻣﻦ‬ ‫اﻻﺗﺤﺎد ا®وروﺑﻲ‪ .‬وﻗﺪ ّأﺛﺮ ﻫﺬا اﻟﻘﺮار‬ ‫ﺑﺎ´ﺿﺎﻓﺔ إﻟﻰ ﻋﻮاﻣﻞ اﻗﺘﺼﺎدﻳﺔ أﺧﺮى‬

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‫‪www.EmiratesReview.ae‬‬

‫اﻟﻜﻠﻤﺔ اﻻﻓﺘﺘﺎﺣﻴﺔ‬

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‫ﻋﻠﻰ اﻻﺳﺘﺜﻤﺎرات ا´ﻣﺎراﺗﻴﺔ‪ ،‬وﻫﺬا ﻣﺎ ﺳﻨﺒﺤﺚ ﻓﻴﻪ ﺑﺈﺳﻬﺎب ﻓﻲ‬ ‫اﻟﺼﻔﺤﺔ ‪.16‬‬ ‫وإذا ﻛﺎن اﻟﺤﻆ ﺣﻠﻴﻔﻜﻢ واﺳﺘﻄﻌﺘﻢ ﺗﺸﻜﻴﻞ ﻣﺤﻔﻈﺔ‬ ‫اﺳﺘﺜﻤﺎر ﻛﺒﻴﺮة‪ ،‬ﻓﺴﻴﺴﺮّ ﻛﻢ ﻋﻠﻰ ا®رﺟﺢ اﻟﺘﻌﺮّ ف ﻋﻠﻰ أﺣﺪث‬ ‫ﺗﻄﺒﻴﻖ ﻟﻠﺘﺪاول ﻋﺒﺮ اﻟﺠﻮّ ال ﻃﻮّ رﺗﻪ "دار اﻟﺘﻤﻮﻳﻞ ﻟ‪Ì‬وراق اﻟﻤﺎﻟﻴﺔ"‪،‬‬ ‫واﻟﺬي ﻳﺴﺎﻋﺪﻛﻢ ﻋﻠﻰ ﺗﺪاول ا®ﺳﻬﻢ ﺑﺄﻧﻔﺴﻜﻢ‪ .‬اﻛﺘﺸﻔﻮا‬ ‫اﻟﻤﺰﻳﺪ ﻓﻲ اﻟﺼﻔﺤﺔ ‪.19‬‬ ‫ﻳُﻌﺘﺒﺮ اﻟﺘﻤﻮﻳﻞ ا´ﺳﻼﻣﻲ واﺣﺪً ا ﻣﻦ اﻟﻘﻄﺎﻋﺎت اﻟﻤﺎﻟﻴﺔ ا®ﺳﺮع‬ ‫ﻧﻤﻮً ا‪ ،‬وﻣﻊ إﻃﻼق ﻣﺒﺎدرة "دﺑﻲ‪ :‬ﻋﺎﺻﻤﺔ اﻻﻗﺘﺼﺎد ا´ﺳﻼﻣﻲ" ﻓﻲ‬ ‫اﻟﻌﺎم ‪ 2013‬ﻣﻦ ﻗﺒﻞ ﺻﺎﺣﺐ اﻟﺴﻤﻮ اﻟﺸﻴﺦ ﻣﺤﻤﺪ ﺑﻦ راﺷﺪ آل‬ ‫ﻣﻜﺘﻮم‪ ،‬ﺗﻀﻄﻠﻊ ا´ﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة ﺑﺪور رﻳﺎدي ﻓﻲ‬ ‫ﺗﻄﻮﻳﺮ ﻫﺬا اﻟﻘﻄﺎع ﻋﺒﺮ ﺗﺄﺳﻴﺲ ﻫﻴﺌﺔ ﺷﺮﻋﻴﺔ ﻋﻠﻴﺎ ﻟﻠﻤﺼﺎرف‬ ‫ﻧﺴﺘﻔﻴﺾ ﺑﺎﻟﺸﺮح ﻋﻨﻬﺎ ﻓﻲ اﻟﺼﻔﺤﺔ ‪ .20‬وﺑﺎﻻﻧﺘﻘﺎل إﻟﻰ ﺗﺪ ّﻧﻲ‬ ‫ّ‬ ‫ﻳﺸﻜﻞ ﻣﺴﺄﻟﺔ رﺋﻴﺴﻴﺔ وﺑﺎﻟﺘﺎﻟﻲ ﺳﻨﺒﺤﺚ‬ ‫أﺳﻌﺎر اﻟﻨﻔﻂ‪ ،‬ﻓﻤﺎ زال‬ ‫ﻓﻲ ﺗﺪاﻋﻴﺎت ﻫﺬا اﻟﺘﺮاﺟﻊ ﻋﻠﻰ ﺷﺮﻛﺎت اﻟﺘﺄﻣﻴﻦ ﻓﻲ اﻟﺼﻔﺤﺔ ‪.22‬‬ ‫ﻏﻴﺮ ّ‬ ‫أن دوﻟﺔ ا´ﻣﺎرات ﻟﻄﺎﻟﻤﺎ ﺳﻌﺖ إﻟﻰ اﻟﺘﺨﻔﻴﻒ ﻣﻦ وﻗﻊ ﺗﺪ ّﻧﻲ‬ ‫أﺳﻌﺎر اﻟﻨﻔﻂ ﻣﻦ ﺧﻼل اﺳﺘﺮاﺗﻴﺠﻴﺔ اﻟﺘﻨﻮﻳﻊ اﻻﻗﺘﺼﺎدي‪،‬‬ ‫واﻟﺴﻴﺎﺣﺔ ﻫﻲ أﺣﺪ اﻟﻘﻄﺎﻋﺎت اﻟﺘﻲ ﺗﻌﻮّ ل ﻋﻠﻴﻬﺎ اﻟﺒﻼد‪ .‬وﻓﻲ‬ ‫ﺳﻴﺎق ﻣﺨﺘﻠﻒ‪ ،‬أﺻﺪرت "ﻛﻮﻟﻴﺮز اﻧﺘﺮﻧﺎﺷﻴﻮﻧﺎل" ﻣﺆﺧﺮًا ﺗﻘﺮﻳﺮ‬ ‫"ﺗﻮﻗﻌﺎت اﻟﻘﻄﺎع اﻟﻔﻨﺪﻗﻲ ﻓﻲ اﻟﺸﺮق ا®وﺳﻂ وﺷﻤﺎل أﻓﺮﻳﻘﻴﺎ"‪،‬‬ ‫ﻳﺘﻀﻤﻦ ﺑﻌﺾ ا´ﺣﺼﺎﺋﻴﺎت اﻟﺸﻴّﻘﺔ ﺣﻮل ا®داء اﻟﻔﻨﺪﻗﻲ‪،‬‬ ‫واﻟﺬي‬ ‫ّ‬ ‫ﻓﺎﻛﺘﺸﻔﻮا اﻟﻤﺰﻳﺪ ﻋﻦ اﻟﻤﻮﺿﻮع ﻓﻲ اﻟﺼﻔﺤﺔ ‪.24‬‬ ‫ﻋﻤﻮﻣﺎ ّ‬ ‫ﻳﻤﺜﻞ ﻫﺬا اﻟﻮﻗﺖ ﻣﻦ اﻟﺴﻨﺔ اﻟﻔﺘﺮة ا®ﻧﺴﺐ ﻻرﺗﺪاء ﻣﻼﺑﺲ‬ ‫ً‬ ‫واﻟﺘﻮﺟﻪ إﻟﻰ اﻟﺼﺤﺮاء أو اﻟﺸﺎﻃﺊ ﻟﻠﺘﻤ ّﺘﻊ ﺑﻄﻘﺲ اﻟﺸﺘﺎء‬ ‫ﻣﺮﻳﺤﺔ‬ ‫ّ‬ ‫اﻟﻤﻌﺘﺪل ﺑﺸ ّﺘﻰ اﻟﻮﺳﺎﺋﻞ‪ .‬وﺳﻨﻌﺮض ﻟﻜﻢ ﻓﻲ اﻟﺼﻔﺤﺔ ‪32‬‬ ‫ﺑﻌﺾ ا®ﻓﻜﺎر اﻟﻤﻤﻴّﺰة‪ .‬أﻣﺎ ﻟﻤﻦ ﻳﻬﻮون‬ ‫اﻟﺜﻘﺎﻓﺔ ﺑﻴﻨﻜﻢ‪ ،‬ﻓﺜﻤﺔ ﺑﺎﻗﺔ ﻣﻦ‬ ‫اﻟﻤﻌﺎرض اﻟﻔﻨﻴﺔ اﻟﺘﻲ ﺗﺤﻠﻮ زﻳﺎرﺗﻬﺎ ﺧﻼل‬ ‫ﻫﺬا اﻟﻤﻮﺳﻢ‪ .‬ﺑﺒﺴﻴﻂ اﻟﻌﺒﺎرة‪ ،‬ﻧﻀﻊ ﺑﻴﻦ‬ ‫ّ‬ ‫ﻟﺘﺼﻔﺤﻬﺎ‪.‬‬ ‫ﻳﺪﻳﻜﻢ ﻣﻌﻠﻮﻣﺎت ﻗﻴّﻤﺔ‬ ‫ﻧﺘﻤ ّﻨﻰ ﻟﻜﻢ ﻣﻄﺎﻟﻌﺔ ﻣﻤﺘﻌﺔ!‬

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‫دار اﻟﺘﻤﻮﻳﻞ ﺗﻄﺮح ﺣﻠﻮ ً‬ ‫ﻻ وﺧﺪﻣﺎت ﻣﺎﻟﻴﺔ ﻟﻠﺸﺮﻛﺎت‬

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‫أﺛﺮ ﺗﻐﻴﺮات اﻻﻗﺘﺼﺎد اﻟﻜﻠﻲ ﻋﻠﻰ ا®ﺳﻮاق اﻟﻌﺎﻟﻤﻴﺔ‬

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‫ﻛﻦ ﻣﺪﻳﺮًا ﻻﺳﺘﺜﻤﺎراﺗﻚ ﻣﻊ ﺗﻄﺒﻴﻖ دار اﻟﺘﻤﻮﻳﻞ ﻟ‪Ì‬وراق اﻟﻤﺎﻟﻴﺔ ﻟﻠﺘﺪاول‬ ‫ﻋﺒﺮ اﻟﻬﺎﺗﻒ‬

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‫أﺛﺮ اﻟﻬﻴﺌﺔ اﻟﺸﺮﻋﻴﺔ اﻟﻌﻠﻴﺎ ﻟﻠﻤﺼﺎرف‬

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‫أﺛﺮ اﻧﺨﻔﺎض أﺳﻌﺎر اﻟﺒﺘﺮول ﻋﻠﻰ ﻗﻄﺎع اﻟﺘﺄﻣﻴﻦ‬

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‫ﻧﻈﺮة ﻣﺘﻌﻤﻘﺔ ﻋﻠﻰ اﻟﻘﻄﺎع اﻟﻔﻨﺪﻗﻲ داﺧﻞ دوﻟﺔ ا´ﻣﺎرات‬

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‫ﻗﺎﻧﻮن ﺟﺪﻳﺪ ﻳﺘﻄﺮق إﻟﻰ ﻗﺮوض أﻋﻀﺎء ﻣﺠﻠﺲ ا´دارة‬

‫دار اﻟﺘﻤﻮﻳﻞ ﻟ‪Ì‬وراق اﻟﻤﺎﻟﻴﺔ ﺗﻨﺎل ﺟﺎﺋﺰة ﻋﻦ ﺗﻄﺒﻴﻘﻬﺎ ﻟﻠﺘﺪاول ﻋﺒﺮ اﻟﻬﺎﺗﻒ‬

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‫اﻟﺠﻮّ ال؛ دار اﻟﺘﺄﻣﻴﻦ ﺗﻨﻈﻢ ﺣﻤﻠﺔ ﻟﻠﺘﺒﺮع ﺑﺎﻟﺪم ﻓﻲ أﺑﻮﻇﺒﻲ؛ دار اﻟﺘﻤﻮﻳﻞ‬

‫ﻫﻞ ﺗﻌﺎﻧﻮن ﻣﻦ اﻧﺘﻔﺎخ اﻟﺒﻄﻦ ﺑﺴﺒﺐ ﺗﻨﺎول ﺑﻌﺾ ا®ﻏﺬﻳﺔ؟‬

‫ﺗﺪﻋﻢ اﻟﻤﺠﺘﻤﻊ اﻟﻤﺤﻠﻲ ﻋﺒﺮ ﻣﺒﺎدراﺗﻬﺎ اﻟﻤﺠﺘﻤﻌﻴﺔ؛ دار اﻟﺘﻤﻮﻳﻞ‬ ‫ﺤﺴﻦ؛ دار‬ ‫ﺗﻜﺸﻒ اﻟﻨﻘﺎب ﻋﻦ ﻣﻮﻗﻌﻬﺎ ا´ﻟﻜﺘﺮوﻧﻲ اﻟﺠﺪﻳﺪ‬ ‫واﻟﻤ ّ‬ ‫ُ‬

‫"ﺳﻲ وﻳﻨﺠﺰ" ُﺗﻘﺪم ﺑﺎﻗﺔ ﻣﻤﻴﺰة ﻣﻦ اﻟﻌﺮوض ﻟﻼرﺗﻘﺎء ﺑﺎﺟﺘﻤﺎﻋﺎﺗﻜﻢ‬

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‫اﻟﺘﻤﻮﻳﻞ ﺗﺪﻋﻢ اﻟﻤﺴﺮﻋﺎت اﻟﺤﻜﻮﻣﻴﺔ ﻟﺪوﻟﺔ ا´ﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة؛‬

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‫"ﻣﻌﺎ ﻟﺘﺮاﺑﻂ ا®ﺳﺮة وﺗﻮاﺻﻠﻬﺎ"‪.‬‬ ‫دار اﻟﺘﻤﻮﻳﻞ ﺗﻄﻠﻖ ﻣﺒﺎدرة ً‬

‫ﻻ ﺗﻔﻮّ ﺗﻮا أﺣﺪاث وﻓﻌﺎﻟﻴﺎت ﻫﺬا اﻟﻤﻮﺳﻢ‬

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‫ﺑﺎﻗﺔ ﻣﻦ اﻟﻨﺸﺎﻃﺎت اﻟﻤﺮﺣﺔ ﻓﻲ اﻟﻬﻮاء اﻟﻄﻠﻖ‬

‫‪ 8‬ﺗﺤﺖ ا‪À‬ﺿﻮاء‬

‫ﻌﻤﺮ ﻣﺴﺘﻘﺒﻞ ا´ﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‬ ‫"ﺟﻠﻒ ﻧﺎﺷﻴﻮﻧﺎل ﻟ‪õ‬ﻧﺸﺎءات" ُﺗ ّ‬

‫‪12‬‬ ‫ﻣﺪرﺳﺔ أﻫﻠﻴﺔ ﺧﻴﺮﻳﺔ ُﺗﻘﺪم ﺧﺪﻣﺎﺗﻬﺎ اﻟﺘﻌﻠﻴﻤﻴﺔ ﻣﺠﺎ ًﻧﺎ‬

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‫‪35‬‬ ‫ﺑﺎﻗﺔ ﻣﺘﻨﻮﻋﺔ ﻣﻦ ا®ﺧﺒﺎر اﻟﻄﺮﻳﻔﺔ ﻻﺧﺘﺘﺎم ا®ﻣﻮر ﺑﺎﺑﺘﺴﺎﻣﺔ‬

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‫أﻫﻢ اﻟﻔﻌﺎﻟﻴﺎت اﻟﺘﻲ ﺗﺴﺘﻀﻴﻔﻬﺎ اﻟﺪوﻟﺔ ﺑﻴﻦ ﻳﻨﺎﻳﺮ وﻳﻮﻟﻴﻮ ‪2017‬‬

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‫‪CPI Financial‬‬

‫‪www.emiratesreview.ae‬‬ ‫‪CPI Financial‬‬ ‫‪502491‬‬

‫‪robin@cpifinancial.net‬‬ ‫‪+971 4 391 3723‬‬

‫‪vinod@cpifinancial.net‬‬ ‫ّ‬

‫‪+971 4 391 3725‬‬

‫ّ‬

‫ّ‬ ‫‪+971 4 392 4681‬‬ ‫‪+971 4 390 9576‬‬

‫‪www.cpifinancial.net‬‬

‫‪Sarah.spendiff@cpifinancial.net‬‬ ‫‪+971 4 391 3729‬‬

‫‪www.EmiratesReview.ae‬‬

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‫ﻳﻨﺎﻳﺮ ‪ ٢٠١٧‬اﻟﻌﺪد ‪١٥‬‬

‫ﻋﻴﻦ ﻋﻠﻰ ﻗﻄﺎع ا¾ﻧﺸﺎءات‬ ‫ﻓﻲ دوﻟﺔ ا¾ﻣﺎرات‬ ‫"ﺟﻠﻒ ﻧﺎﺷﻴﻮﻧﺎل ﻟ‪õ‬ﻧﺸﺎءات" ُﺗﺤ ّﻠﻖ ﺑﺈﻧﺠﺎزاﺗﻬﺎ ﻓﻲ ﺳﻤﺎء ا´ﺑﺪاع‬

‫‪ 12‬اﻟﻌﻄﺎء ﻓﻲ أﺑﻬﻰ ﺻﻮره‬

‫‪ 24‬اﻟﻌﻘﺎرات‬

‫ﻛﻴﻒ ﺳﺎﻫﻤﺖ اﻟﻤﺪارس ا®ﻫﻠﻴﺔ ﻓﻲ ﺗﻌﻠﻴﻢ‬

‫أﺑﺤﺮ ﻓﻲ اﻟﻘﻄﺎع اﻟﻔﻨﺪﻗﻲ ﻓﻲ‬

‫أﺟﻴﺎل ﻓﻲ دوﻟﺔ ا´ﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‬

‫ا´ﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‬

‫‪ 19‬ﺗﻜﻨﻮﻟﻮﺟﻴﺎ اﻟﻤﻌﻠﻮﻣﺎت‬

‫‪ٌ 32‬ﻣﺘﻌﺔ اﻟﺸﺘﺎء ﻓﻲ ا¾ﻣﺎرات‬

‫ﺗﻄﺒﻴﻖ ُﻳﺘﻴﺢ ﻟﻚ إﻣﻜﺎﻧﻴﺔ إدارة ﻣﺤﻔﻈﺘﻚ‬

‫ﻛﻴﻒ ﺗﻤﻀﻲ وﻗﺘﻚ وﺗﺴﺘﻤﺘﻊ ﺑﺤﻠﻮل‬

‫اﻻﺳﺘﺜﻤﺎرﻳﺔ أﻳﻨﻤﺎ ﺗﻜﻮن‬

‫ﻓﺼﻞ اﻟﺸﺘﺎء‬