Finance House — Annual Report 2022

Aug 2, 2023

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ﺗﻘﺮﻳﺮ اﻻﺳﺘﺪاﻣﺔ

22

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ﻓــﻲ ﺑﺎﻟﺪﺧــﻮل اﻟﺘﻤﻮﻳــﻞ دار ﺗﻔﺨــﺮ ﻛﻤــﺎ
ﻞ ـ ﻣﺜ ﺪة ـ راﺋ ﺔ ـ ﺣﻜﻮﻣﻴ ﺎت ـ ﺟﻬ ﻊ ـ ﻣ ﺮاﻛﺎت ـ ﺷ
-أﺑﻮﻇــﺒﻲ اﻻﻗﺘﺼــﺎدﻳﺔ اﻟﺘﻨﻤﻴــﺔ داﺋــﺮة
ﻣﺸــﺎرﻳﻊ ﻟﺪﻋــﻢ ﺧﻠﻴﻔــﺔ وﺻﻨــﺪوق
ﺪة، ـ اﻟﻤﺘﺤ ﻴﺔ ـ اﻟﻌﺮﺑ ﺎرات ـ ا�ﻣ ﺔ ـ دوﻟ ﻲ ـ ﻣﻮاﻃﻨ
ﻟﻠﺘﻤﻮﻳــﻞ ﻣﻮﺛﻮﻗــﺎ ﻣﺼــﺪرا ﺗﻜــﻮن وأن
ً
.ﺗﻨﺎﻓﺴﻴﺔ ﺑﺄﺳﻌﺎر
ً
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ﺗﻌﺘﺒﺎ ﻓﻲ ـ ﻞ رؤﻳﺘﻨ ـ ﻞ، وﺗﺘﻤﺜ ـ ﺮﻛﺔ دار اﻟﺘﻤﻮﻳ ـ ﺘﺮاﺗﻴﺠﻴﺔ ﺷ ـ ﻦ اﺳ ـ ﺰأ ﻣ ـ ﺰءا ﻻ ﻳﺘﺠ ـ ﺘﺪاﻣﺔ ﺟ ـ ﺮ اﻻﺳ ـ ﺧﻠﻖ ﻗﻴﻤﺔ �ﺻﺤﺎب اﻟﻤﺼﻠﺤﺔ ﻟﺪﻳﻨﺎ. وﺗﺘﻤﺎﺷــﻰ أﺟﻨــﺪة دار اﻟﺘﻤﻮﻳــﻞ ﺑﺨﺼــﻮص اﻻﺳــﺘﺪاﻣﺔ ﻣــﻊ رؤﻳــﺔ دوﻟــﺔ ا�ﻣــﺎرات اﻟﻌﺮﺑــﻴﺔ اﻟﻤﺘﺤﺪة، اﻟﺘﻲ ﺗﻬﺪف إﻟﻰ ﺗﻨﻮﻳﻊ ﻣﻮارد اﻟﺪﺧﻞ، واﻟﺘﻮﻗﻒ ﻋﻦ اﻻﻋﺘﻤﺎد ﻋﻠﻰ اﻟﻨﻔﻂ. وﻛﺎن ﺻﺎﺣــﺐ اﻟﺴــﻤﻮ اﻟﺸــﻴﺦ ﻣﺤﻤــﺪ ﺑــﻦ زاﻳــﺪ آل ﻧﻬﻴــﺎن ﻗــﺪ أﻃﻠــﻖ ﻣﺒــﺎدرة اﻻﻗﺘﺼــﺎد ﺬه ـ ﺰ ﻫ ـ ﻦ رﻛﺎﺋ ـ ﺘﺪاﻣﺔ. وﻣ ـ ﺔ ﻣﺴ ـ ﺮ ﻟﺘﻨﻤﻴ ـ ﺎد أﺧﻀ ـ ﻌﺎر: اﻗﺘﺼ ـ ﺖ ﺷ ـ ﺮ ٢١٠٢ ﺗﺤ ـ ﻲ ﻳﻨﺎﻳ ـ ﺮ ﻓ ـ ا�ﺧﻀ اﻟﺤﻤﻠــﺔ ﺳﻴﺎﺳــﺎت ﺣﻜﻮﻣﻴــﺔ ﺗﻬــﺪف إﻟــﻰ ﺗﺸــﺠﻴﻊ اﻻﺳــﺘﺜﻤﺎرات ﻓــﻲ اﻻﻗﺘﺼــﺎد ا�ﺧﻀﺮ وﺗﺴﻬﻴﻞ إﻧﺘﺎج واﺳﺘﻴﺮاد وﺗﺼﺪﻳﺮ وإﻋﺎدة ﺗﺼﺪﻳﺮ اﻟﻤﻨﺘﺠﺎت واﻟﺘﻘﻨﻴﺎت اﻟﺨﻀﺮاء. ﻴﺔ ـ ﺎرات اﻟﻌﺮﺑ ـ ﺔ ا�ﻣ ـ ﺪف دوﻟ ـ ﺘﺪاﻣﺘﻬﺎ، ﺗﻬ ـ ﻼد واﺳ ـ ﻴﺔ ﻟﻠﺒ ـ ﺪرة اﻟﺘﻨﺎﻓﺴ ـ ﺰ اﻟﻘ ـ ﺐ ﺗﻌﺰﻳ ـ ﻰ ﺟﺎﻧ ـ وإﻟ اﻟﻤﺘﺤــﺪة إﻟــﻰ أن ﺗﺼﺒــﺢ ﻣﺮﻛــﺰا ﻋﺎﻟﻤﻴــﺎ ﻟﻼﻗﺘﺼــﺎد ا�ﺧﻀــﺮ. وﻣــﻦ ﺧــﻼل إﻃــﻼق ﻫﺬه ﻚ ـ ﻲ ذﻟ ـ ﺎ ﻓ ـ ﺎﻻت، ﺑﻤ ـ ﻦ اﻟﻤﺠ ـ ﺪ ﻣ ـ ﻲ اﻟﻌﺪﻳ ـ ﺎ ﻓ ـ ﺪة ﻋﺎﻟﻤﻴ ـ ﺢ راﺋ ـ ﺔ أن ﺗﺼﺒ ـ ﻞ اﻟﺪوﻟ ـ ﺎدرة، ﺗﺄﻣ ـ اﻟﻤﺒ اﻟﺘﻤﻮﻳﻞ، ﻟﺪﻋﻢ اﻟﻨﻤﻮ اﻻﻗﺘﺼﺎدي ﻃﻮﻳﻞ ا�ﺟﻞ ﻓﻲ اﻻﺳﺘﺜﻤﺎرات. ﺪ، ـ ﻦ زاﻳ ـ ﺪ ﺑ ـ ﻦ ﻣﺤﻤ ـ ﺪ ﺑ ـ ﻴﺦ ﺧﺎﻟ ـ ﻤﻮ اﻟﺸ ـ ﻒ ﺳ ـ ﺮ ٢٢٠٢، ﻛﺸ ـ ﻲ ﻧﻮﻓﻤﺒ ـ ﻚ، وﻓ ـ ﻰ ذﻟ ـ ﺔ إﻟ ـ ﺑﺎ�ﺿﺎﻓ ﻰ ـ ﺰ إﻟ ـ ﺬي ﻳﺮﻣ ـ ﺮ واﻟ ـ ﺎد اﻟﺼﻘ ـ ﺔ إﻗﺘﺼ ـ ﻦ ﻣﻨﺤﻮﺗ ـ ﺎب ﻋ ـ ﻲ، اﻟﻨﻘ ـ ﻲ اﻟﻤﺎﻟ ـ ﺒﻮع أﺑﻮﻇﺒ ـ ﻼل أﺳ ـ وﺧ ﺰ ـ ﻲ ﻛﻤﺮﻛ ـ ﻮد أﺑﻮﻇﺒ ـ ﺪ وﺻﻌ ـ ﻲ راﺋ ـ ﺎد ﻋﺎﻟﻤ ـ ﺪة ﻛﺎﻗﺘﺼ ـ ﺔ اﻟﻤﺘﺤ ـ ﺎرات اﻟﻌﺮﺑﻴ ـ ﺔ ا�ﻣ ـ ﻮ دوﻟ ـ ﻧﻤ دوﻟﻲ ﻟﻠﺘﻤﻮﻳﻞ.

وﻣــﻦ ﻫــﺬا اﻟﻤﻨﻄﻠــﻖ، ﻧﻌﺘﻘــﺪ ﻓــﻲ دار اﻟﺘﻤﻮﻳــﻞ أﻧــﻪ ﻣــﻦ ﻣﺴــﺆوﻟﻴﺘﻨﺎ دﻋــﻢ أﻫــﺪاف ﻰ ـ ﺪف إﻟ ـ ﺔ ﺗﻬ ـ ﺔ ﻣﺨﺼﺼ ـ ﺎت ﻣﺎﻟﻴ ـ ﺮ ﻣﻨﺘﺠ ـ ﺎ ﺑﺘﻄﻮﻳ ـ ﻲ، ﻗﻤﻨ ـ ﺔ، وﺑﺎﻟﺘﺎﻟ ـ ﻲ اﻟﺪوﻟ ـ ﺘﺪاﻣﺔ ﻓ ـ اﻻﺳ دﻋﻢ ﻧﻤﻮ اﻟﺸﺮﻛﺎت اﻟﺼﻐﻴﺮة واﻟﻤﺘﻮﺳﻄﺔ داﺧﻞ دوﻟﺔ ا�ﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة.

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اﺳﺘﻜﻤﺎل أﺗﻤﺘﺔ ا�ﻧﻈﻤﺔ
اﻟﺪاﺧﻠﻴﺔ
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اﻻﺣﺘﻔﺎظ ﺑﺎﻟﻤﻮاﻫﺐ
اﻟﻤﻨﺎﺳﺒﺔ
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2022
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��

ACHIEVEMENTS IN 2022

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Finance House contributed majorly to “c ampaign for

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ﺳﺎت inmates' products ـ ﺔ ﻣﻨﺘﺠ ـ ﻲ "ﺣﻤﻠ ـ ﺮ ﻓ” which was launched by Dubai ـ ﻜﻞ ﻛﺒﻴ ـ ﻞ ﺑﺸ ـ ﺎﻫﻤﺖ دار اﻟﺘﻤﻮﻳ ـ Police. The contribution was effected through دﺑــﻲ. ﺗــﻢ ﺗﻨﻔﻴــﺬ أﻃﻠﻘﺘﻬــﺎ ﺷــﺮﻃﺔ اﻟﺘــﻲ اﻟﻨــﺰﻻء" purchasing the inmates’ high-quality products, and اﻟﻤﺴــﺎﻫﻤﺔ ﻣــﻦ ﺧــﻼل ﺷــﺮاء ﻣﻨﺘﺠــﺎت ﻋﺎﻟﻴــﺔ اﻟﺠــﻮدة turned them into a corporate giveaway to its VIP إﻟــﻰ ﻫﺪاﻳــﺎ ﻟﻌﻤﻼﺋﻬــﺎ ﻣــﻦ ﻛﺒــﺎر وﺗﺤﻮﻳﻠﻬــﺎ ﻟﻠﻨــﺰﻻء، clients. By that, Finance House was able to raise اﻟﺸــﺨﺼﻴﺎت. وﺑﺬﻟــﻚ، ﺗﻤﻜﻨــﺖ دار اﻟﺘﻤﻮﻳــﻞ ﻣــﻦ رﻓــﻊ awareness about these particular artisans, and ﺰ ـ ﺬات، وﺗﺤﻔﻴinduce community engagement and support. The ـ ﻦ ﺑﺎﻟ ـ ﺆﻻء اﻟﺤﺮﻓﻴﻴ ـ ﻮل ﻫ ـ ﻲ ﺣ ـ ﺘﻮى اﻟﻮﻋ ـ ﻣﺴ دﻋﻤــﺖ purchases of these products supported the rehabili-وﻗــﺪ واﻟﺪﻋــﻢ. اﻟﻤﺸــﺎرﻛﺔ اﻟﻤﺠﺘﻤــﻊ ﻋﻠــﻰ ﻢ tation of inmates and enabled them to support ـ ﺰﻻء وﻣﻜﻨﺘﻬ ـ ﻞ اﻟﻨ ـ ﺎت ﺗﺄﻫﻴ ـ ﺬه اﻟﻤﻨﺘﺠ ـ ﺮاء ﻫ ـ ﺎت ﺷ ـ ﻋﻤﻠﻴ ﺎء ـ themselves and their families at the same time, ﺖ أﺛﻨ ـ ﺲ اﻟﻮﻗ ـ ﻲ ﻧﻔ ـ ﺮﻫﻢ ﻓ ـ ﻬﻢ وأﺳ ـ ﺔ أﻧﻔﺴ ـ ﻦ إﻋﺎﻟ ـ ﻣ while they are inside. https://www.matjery.aehttps://www.matjery.ae .وﺟﻮدﻫﻢ ﻓﻲ اﻟﺪاﺧﻞ

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Finance House launched Impact Graduate
Program to attract Emirati graduates with 3.0 and
دار اﻟﺘﻤﻮﻳﺞ ـ ﻦ ﺑﺮﻧﺎﻣ ـ ﺖ ﻟﻠﺨﺮﻳﺠﻴ ـ ﺞ إﻣﺒﺎﻛ ـ ﻖ ﺑﺮﻧﺎﻣ ـ ﻞ ﺗﻄﻠ ـ
above GPA to work at Finance House. The objective
ﻟﺠﺪل ـ ﻮق اﻟﻤﻌ ـ ﻊ ٠٫٣ و ﻓ ـ ﻦ ﻣ ـ ﻦ ا�ﻣﺎراﺗﻴﻴ ـ ﺬب اﻟﺨﺮﻳﺠﻴ ـ
is to train and develop UAE National graduates
اﻟﺘﺮاﻛﻤــﻲ ﻟﻠﻌﻤــﻞ ﻓــﻲ دار اﻟﺘﻤﻮﻳــﻞ. اﻟﻬــﺪف ﻫــﻮ
through “on the job trainings” and various learning
ﺗﺪرﻳــﺐ وﺗﻄﻮﻳــﺮ اﻟﺨﺮﻳﺠﻴــﻦ ا�ﻣﺎراﺗﻴﻴــﻦ ﻣــﻦ ﺧــﻼل
and development initiatives, under close
"اﻟﺘﺪرﻳﺒــﺎت أﺛﻨــﺎء اﻟﻌﻤــﻞ" وﻃــﺮق اﻟﺘﻌﻠﻴــﻢ اﻟﻤﺨﺘﻠﻔــﺔ
supervision of senior managers.
وﻣﺒــﺎدرات اﻟﺘﻨﻤﻴــﺔ، ﻗﻴــﺪ ا�ﻏــﻼق ا�ﺷــﺮاف ﻋﻠــﻰ ﻛــﺒﺎر
اﻟﻤﺪﻳﺮﻳــﻦ. دار اﻟﺘﻤﻮﻳــﻞ ﺗﻌﺘــﺰم زﻳــﺎدة اﺳــﺘﺮاﺗﻴﺠﻴﺘﻬﺎ
Finance House intends to strategically increase
ﻋﻼل ـ ﻦ ﺧ ـ ﺖ ﻣ ـ ﺮور اﻟﻮﻗ ـ ﻦ ﺑﻤ ـ ﻦ ا�ﻣﺎراﺗﻴﻴ ـ ﺪد اﻟﻤﻮﻇﻔﻴ ـ
the number of UAE National employees over time
ﺑﺮﻧﺎﻣــﺞ ا�ﻳﺠﺎﺑــﻲ اﻟﺘﺄﺛﻴــﺮ أﻧــﻪ اﻟﺘﺄﺛﻴــﺮ ﻟﻠﺘﺄﻛــﺪ ﻣــﻦ
through The Impact Program to make sure that it is
واﻟﻤﺴﺎﻫﻤﺔ ﻓﻲ ﻣﺠﺘﻤﻊ
positively affecting and contributing to the
community.
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أﻃﻠﻘﻦ ﻣﻦFinance House launched its yearly Student Internship Program whereby undergraduate university students could ـ ﻦ اﻟﻤﻮﻇﻔﻴ ـ ﺪدٍ ﻣ ـ ﻊ ﻋ ـ ﺎء ﻣ ـ ﺔ اﻻﻟﺘﻘ ـ ﻼب اﻟﺠﺎﻣﻌ ـ ﻦ ﻃ ـ ﺚ ﻳﺘﻤﻜ ـ ﻼب، ﺣﻴ ـ ﺐ اﻟﻄ ـ ﺞ ﺗﺪرﻳ ـ ﻞ ﺑﺮﻧﺎﻣ ـ ﺖ دار اﻟﺘﻤﻮﻳ ـ meet several Finance House employees from different departments, sit with them, and acquire valuable ﻣﺨﺘﻠﺮض ـ ﺎل. ﻳﻌ ـ ﻢ ا�ﻋﻤ ـ ﺔ ﺑﻌﺎﻟ ـ ﺔ ﻣﺘﻌﻠﻘ ـ ﺎت ﻗﻴﻤ ـ ﺎب ﻣﻌﻠﻮﻣ ـ ﻢ، واﻛﺘﺴ ـ ﻮس ﻣﻌﻬ ـ ﺎم، واﻟﺠﻠ ـ ﺮ وا�ﻗﺴ ـ ﻒ اﻟﺪواﺋ ـ information and training concerning the business and finance world. This program offers the youth of our nation a ﻫﻲ ـ ﻦ ﻓ ـ ﻊ اﻟﻤﻬﻨﻴﻴ ـ ﻞ ﻣ ـ ﺔ، اﻟﺘﻮاﺻ ـ ﻢ اﻟﻤﻬﻨﻴ ـ ﺎر ﺣﻴﺎﺗﻬ ـ ﺎف ﻣﺴ ـ ﺔ اﺳﺘﻜﺸ ـ ﺔ ﻓﺮﺻ ـ ﺎ اﻟﻐﺎﻟﻴ ـ ﺒﺎب أﻣﺘﻨ ـ ﻰ ﺷ ـ ﺞ ﻋﻠ ـ ﺬا اﻟﺒﺮﻧﺎﻣ ـ chance to explore their career path, network with professionals in the field, and gain the required insights and اﻟﻤﺠﺪ ـ ﻢ ﺑﻌ ـ ﺔ ﻋﻤﻠﻬ ـ ﻰ رﺣﻠ ـ ﺎل إﻟ ـ ﻲ اﻻﻧﺘﻘ ـ ﺎﻋﺪﻫﻢ ﻓ ـ ﻮف ﺗﺴ ـ ﻲ ﺳ ـ ﺔ اﻟﺘ ـ ﺘﻘﺒﻠﻴﺔ واﻟﺜﻘ ـ ﺔ اﻟﻤﺴ ـ ﺎب اﻟﺮؤﻳ ـ ﺎل، واﻛﺘﺴ ـ confidence that will help them transition into their Career journey after graduation. اﻟﺘﺨﺮج.

Taking part in supporting UAE national students at Zayed University, Human Capital Department at Finance House اﻟﻤﺸــﺎرﻛﺔ ﻓــﻲ دﻋــﻢ اﻟﻄﻠﺒــﺔ ا�ﻣﺎراﺗﻴﻴــﻦ ﻓــﻲ ﺟﺎﻣﻌــﺔ زاﻳــﺪ، إدارة اﻟﻤــﻮارد اﻟﺒﺸــﺮﻳﺔ ﻓــﻲ دار اﻟﺘﻤﻮﻳﻼﻟﻤﺸــﺎرﻛﺔ participated as a mentor in the “ Partner Challenges ” at the university, wherein we mentored a group of UAE ﻛﻤﺮﺷــﺪ ﻓــﻲ "ﺗﺤﺪﻳــﺎت اﻟﺸــﺮﻛﺎء" ﻓــﻲ اﻟﺠﺎﻣﻌــﺔ، ﺣﻴــﺚ ﻗﻤﻨــﺎ ﺑﺘﻮﺟﻴــﻪ ﻣﺠﻤﻮﻋــﺔ ﻣــﻦ ا�ﻣــﺎرات اﻟﻌﺮﺑﻴــﺔ national youth for 3 months while they were tasked by the university to deliver a project related to Human Resources.اﻟﻤﺘﺤﺪةاﻟﺸﺒﺎب اﻟﻮﻃﻨﻲ ﻟﻤﺪة ٣ أﺷﻬﺮ أﺛﻨﺎء ﺗﻜﻠﻴﻔﻬﻢ ﻣﻦ ﻗﺒﻞ اﻟﺠﺎﻣﻌﺔ ﻟﺘﻘﺪﻳﻢ ﻣﺸﺮوع اﻟﻤﻮارد اﻟﺒﺸﺮﻳﺔ.

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اﻟﻤﺒــﺎدرات اﻟﻤﺠﺘﻤﻌﻴــﺔ ا�ﺧــﺮى اﻟﺘــﻲ ﺗﻔﺘﺨــﺮ ﺑﻬــﺎ دار اﻟﺘﻤﻮﻳــﻞ Other community initiatives that Finance house is particularly ﺖ ـ ﺎت "ﺻﻨﻌ ـ ﺔ وﻣﻨﺘﺠ ـ ﺐ اﻟﻮﻃﻨﻴ ـ ﻢ اﻟﻤﻮاﻫ ـ ﻲ دﻋ ـ ﺎص، ﻫ ـ ﻜﻞ ﺧ ـ ﺑﺸ proud of, is supporting National talents and “Made in UAE” ﻓــﻲ ا�ﻣــﺎرات" وﺗﺤﻮﻳﻠﻬــﺎ ﻟﻬﺪاﻳــﺎ ﻟﻠﻌﻤــﻼء. ﺗــﻢ اﻋﺘﻤــﺎد ﻫــﺬه only corporate giveaway gifts. This strategy is adopted to ﻚ support products made in the UAE, as well as to support ـ ﺔ ، وﻛﺬﻟ ـ ﻲ اﻟﺪوﻟ ـ ﺔ ﻓ ـ ﺎت اﻟﻤﺼﻨﻮﻋ ـ ﻢ اﻟﻤﻨﺘﺠ ـ ﺘﺮاﺗﻴﺠﻴﺔ ﻟﺪﻋ ـ اﻻﺳ ﻨﻮﻳﺔ ـ ﺔ ﺳ ـ ﻞ ﻣﻴﺰاﻧﻴ ـ ﺺ دار اﻟﺘﻤﻮﻳ ـ ﺔ. ﺗﺨﺼ ـ ﺮﻛﺎت اﻟﻤﺤﻠﻴ ـ ﻢ اﻟﺸ ـ ﻟﺪﻋ homegrown businesses. Finance House allocates an annual ﻟﺘﻮزﻳﻌــﺎت وﻫﺪاﻳــﺎ اﻟﺸــﺮﻛﺔ ﻳﺘــﻢ اﻗﺘﻨﺎءﻫــﺎ ﻣــﻦ ﻣﻨﺘﺠــﺎت ﺻﻨﻌــﺖ budget for occasional giveaways made by UAE hands only, ﻢ such as https://blossomhoney.co/ where we collaborated ـ ﺎ ﻣﻌﻬ ـ ﺚ ﺗﻌﺎوﻧ ـ / ﺣﻴhttps://blossomhoney.co ﺑﺄﻳﻞ ـ ﺔ، ﻣﺜ ـ ﺎدي اﻣﺎراﺗﻴ ـ اﻟﻌﺴــﻞ ﻛﻬﺪاﻳــﺎ ﻟﻠﻤﻮﻇﻔﻴــﻦ زﺟﺎﺟــﺎت ﻟﺸــﺮاء ﻣﺌــﺎت ﻣــﻦ with them for hundreds of honey bottles as employee and corporate giveaway gifts. واﻟﺸﺮﻛﺎت.

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"ﺷــﺎرﻛﺖ دار اﻟﺘﻤﻮﻳــﻞ ﻓــﻲ ﺑﺮﻧﺎﻣــﺞ "ﺣﺪﻳــﺚ ﺻﺎﺣــﺐ اﻟﻌﻤــﻞ ﻓــﻲ ﺟﺎﻣﻌــﺔ أﺑﻮﻇﺒــﻲ. وﺗﻬــﺪف ﻫــﺬه اﻟﻤﺸــﺎرﻛﺔ إﻟــﻰ ﺗﺒــﺎدل Finance House participated in the “ Employer Talk ” ﻤﺎ ـ ﻦ ﻓﻴ ـ ﻼب ا�ﻣﺎراﺗﻴﻴ ـ ﻊ اﻟﻄ ـ ﺔ ﻣ ـ ﺎت اﻟﻌﻤﻠﻴ ـ ﺔ واﻟﻤﻌﻠﻮﻣ ـ اﻟﻤﻌﺮﻓ program at the Abu Dhabi University. This participation ﻳﺘﻌﻠــﻖ ﺑﻤﺘﻄﻠﺒــﺎت اﻟﻤﻬــﺎرات واﻟﻜﻔــﺎءات ﻓــﻲ ﻣــﻜﺎن اﻟﻌﻤــﻞ aimed at sharing practical knowledge and information ﻟﻌﺎم ٢٢٠٢ وﻣﺎ ﺑﻌﺪه. with UAE national students regarding workplace skills

and competencies requirements for 2022 and beyond.

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ﻓــﻲ ﻫــﺬه اﻟﺴــﻨﺔ، ﻛﻤــﺎ ﻫــﻮ اﻟﺤــﺎل ﻓــﻲ ﻛﻞ ﺳــﻨﺔ، In 2022, as every year, Finance House joined the اﻧﻀﻤــﺖ دار اﻟﺘﻤﻮﻳــﻞ إﻟــﻰ اﻟﺠﻬــﻮد اﻟﻌﺎﻟﻤﻴــﺔ ﻓــﻲ worldwide efforts in standing up against nature loss ﻦ ـ ﺔ ﻣ ـ ﺮات اﻟﻤﻨﺎﺧﻴ ـ ﺔ واﻟﺘﻐﻴ ـ ﺎرة اﻟﻄﺒﻴﻌ ـ ﺔ ﺧﺴ ـ ﻣﻮاﺟﻬ and climate change by participating in Earth Hour ﺧــﻼل اﻟﻤﺸــﺎرﻛﺔ ﻓــﻲ ﺳــﺎﻋﺔ ا�رض ودﻋــﺖ ﺟﻤــﻴﻊ and inviting all employees to switch off their lights ﺪة ﻓﻲ ـ ﺎﻋﺔ واﺣ ـ ﺪة ﺳ ـ ﺎءة ﻟﻤ ـ ﻼق ا�ﺿ ـ ﺎ �ﻏ ـ ﻣﻮﻇﻔﻴﻬ for an hour on Saturday March 27 at 8:30 pm. ﻳــﻮم اﻟﺴــﺒﺖ اﻟﻤﻮاﻓــﻖ ٧٢ ﻣــﺎرس ﻓــﻲ اﻟﺴــﺎﻋﺔ ٠٣:٨٠ ﻣﺴﺎءً.

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ﺔ ـ ﺪ إن اﻟﺘﻌﻠﻴﻤﻴ ـ ﺎﺑﻘﺔ ﻟﻴﻨﻜ ـ ﻞ ﻣﺴ ـ ﺔ دار اﻟﺘﻤﻮﻳ ـ ﺖ ﻣﺠﻤﻮﻋ ـ آﻃﻠﻘ Finance House launched a LinkedIn Learning Competition )ﻟﻴﻨﻜــﺪ إن ﻟﻴﺮﻧﻨــﺞ( ﺑﻴــﻦ ﻣﻮﻇﻔــﻲ اﻟﻤﺠﻤﻮﻋــﺔ، ﺣﻴــﺚ دﻋــﺖ amongst the Group’s employees, whereby it invited all its ﺟﻤﻴــﻊ ﻣﻮﻇﻔــﻲ ﻟﻴﻨﻜــﺪ إن اﻟﺘﻌﻠﻴﻤﻴــﺔ )ﻟﻴﻨﻜــﺪ إن ﻟﻴﺮﻧﻨــﺞ( employees to invest in their career growth and complete as اﻟﻤﺮﺧﺼﻴــﻦ ﻟﻼﺳــﺘﺜﻤﺎر ﻓــﻲ ﻣﺴــﺎرات ﺣﻴﺎﺗﻬــﻢ اﻟﻤﻬﻨﻴــﺔ much training hours as possible on LinkedIn Learning ﺔ ـ ﻰ ﻣﻨﺼ ـ ﺐ ﻋﻠ ـ ﺎﻋﺎت اﻟﺘﺪرﻳ ـ ﻦ ﺳ ـ ﻦ ﻣ ـ ﺪر ﻣﻤﻜ ـ ﺮ ﻗ ـ ﺎل أﻛﺒ ـ وإﻛﻤ ﻟﻴﻨﻜــﺪ إن اﻟﺘﻌﻠﻴﻤﻴــﺔ )ﻟﻴﻨﻜــﺪ إن ﻟﻴﺮﻧﻨــﺞ(. وﻗــﺪ ﺗــﻢ ﻣﻜﺎﻓــﺄة platform. The top 3 learners of this enriching experience ﻢ ـ ﺔ إزاء إﻧﺠﺎزاﺗﻬwere recognized for their accomplishments at the end of ـ ﺔ اﻟﻐﻨﻴ ـ ﺬه اﻟﺘﺠﺮﺑ ـ ﻦ ﻫ ـ ﻦ ﻣ ـ ﻞ ٣ ﻣﺘﻌﻠﻤﻴ ـ أﻓﻀ each month. ﻓﻲ ﻧﻬﺎﻳﺔ اﻟﺸﻬﺮ.

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ﺧﻲ ـ During the Holy month of Ramadan in 2022, the “ﺎﺑﻬﺎ ﻓ ـ ﻰ ﺣﺴ ـ ﺔ" ﻋﻠ ـ ﺔ اﻟﻠﻄﻴﻔ ـ ﻦ اﻟﻤﻌﺎﻣﻠ ـ ﻮم ﻣ ـ ﺔ "٠٣ ﻳ 30 Days of Kindness ـ ﻞ ﺣﻤﻠ ـ ﺖ دار اﻟﺘﻤﻮﻳ” campaign was launched on Finance ـ ﺎرك، أﻃﻠﻘ ـ ﺎن اﻟﻤﺒ ـ ﻬﺮ رﻣﻀ ـ ﻼل ﺷ ـ ﺘﻄﻴﻊ House’s Instagram account, whereby every day an Instagram Story was posted with simple reminders of small ـ ﻲ ﻳﺴ ـ ﺮة اﻟﺘ ـ ﺎل اﻟﺼﻐﻴ ـ ﻴﻄﺔ ﺑﺎ�ﻓﻌ ـ ﺮات ﺑﺴ ـ ﻊ ﺗﺬﻛﻴ ـ ﺘﻮري ﻣ ـ ﺘﻐﺮام ﺳ ـ ﻮم إﻧﺴ ـ ﺮ ﻛﻞ ﻳ ـ ﺚ ﺗﻨﺸ ـ ﺘﻐﺮام، ﺣﻴ ـ إﻧﺴ acts of kindness that anyone could carry out to spread thoughtfulness and help others. أي ﺷﺨﺺ اﻟﻘﻴﺎم ﺑﻬﺎ ﻟﻤﺮاﻋﺎة واﺣﺘﺮام ﻣﺸﺎﻋﺮ ا�ﺧﺮﻳﻦ وﻣﺴﺎﻋﺪﺗﻬﻢ.

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أﻋﻠﻨــﺖ دار اﻟﺘﻤﻮﻳــﻞ ﻋــﻦ إﻃﻼﻗﻬــﺎ ﻟﻤﻨﺘﺠــﺎت "اﻟﺮاﺑــﺢ ﻟ�ﻋﻤــﺎل" ﻄﺔ، ـ ﺮة واﻟﻤﺘﻮﺳ ـ ﺮﻛﺎت اﻟﺼﻐﻴ ـ ﺔ / ﻟﺸ ـ ﺮﻛﺎت اﻟﻤﺤﻠﻴ ـ ﻢ اﻟﺸ ـ ﻟﺪﻋ Finance House announced the launch of “ Al Rabeh ﻣــﻦ ﺧــﻼل ﻋــﺮض ﺣﺰﻣــﺔ ﻣــﻦ اﻟﻤﻨﺘﺠــﺎت ﻟﺘﺒﺴــﻴﻂ وﺗﺴــﻬﻴﻞ Business ” to support local businesses / SMEs, by ﺘﺨﺪام ـ ﻬﻮﻟﺔ اﻻﺳ ـ ﺰزة وﺳ ـ ﺎح ﻣﻌ ـ ﻢ أرﺑ ـ ﺔ وﺗﻘﺪﻳ ـ ﺎت اﻟﻤﺎﻟﻴ ـ اﻟﺨﺪﻣ وأوﻗــﺎت دورات ﺳــﺮﻳﻌﺔ ﻟﻠﻐﺎﻳــﺔ. وﺗﺘﻀﻤــﻦ ﻫــﺬه اﻟﻤﻨﺘﺠــﺎت offering a suite of products to simplify financial services ﺔ ـ ﺎم ﺣﻤﺎﻳand provide enhanced earnings, ease of use, and ـ ﺢ ﻟﻨﻈ ـ ﺢ واﻟﺮاﺑ ـ ﺔ اﻟﺮاﺑ ـ ﺢ، ودﻳﻌ ـ ﺎن اﻟﺮاﺑ ـ ﺎب اﻟﻀﻤ ـ ﺧﻄ lighting speed turnaround times. These products ا�ﺟﻮر include Al Rabeh Guarantee, Al Rabeh Deposit, and Al Rabeh WPS.

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ﺎرﻳﻊ ـ ﺮ اﻟﻤﺸ ـ ﺔ ﻟﺘﻄﻮﻳ ـ ﺪوق ﺧﻠﻴﻔ ـ ﻞ وﺻﻨ ـ ﺖ دار اﻟﺘﻤﻮﻳ ـ دﺧﻠ Finance House and Khalifa Fund for Enterprise ﻓــﻲ ﺷــﺮاﻛﺔ ﻟﺘﺴــﻬﻴﻞ اﻟﻮﺻــﻮل إﻟــﻰ ﺧﺪﻣــﺎت اﻟﺘﻤﻮﻳــﻞ Development’ partnered to facilitate access to ﻟﻠﺸــﺮﻛﺎت اﻟﺼﻐﻴــﺮة واﻟﻤﺘﻮﺳــﻄﺔ اﻟﻤﻤﻠﻮﻛــﺔ ﻟﻤﻮاﻃﻨــﻲ financing services for SMEs owned by UAE nationals ﺎل ـ ﺎدة ا�ﻋﻤ ـ ﺠﻴﻊ رﻳ ـ ﺪة وﺗﺸ ـ ﺔ اﻟﻤﺘﺤ ـ ﺎرات اﻟﻌﺮﺑﻴ ـ ﺔ ا�ﻣ ـ دوﻟ ﺔ ودار and encourage entrepreneurship in the UAE. The ـ ﺪوق ﺧﻠﻴﻔ ـ ﺔ ﺻﻨ ـ ﺘﻀﻊ اﻻﺗﻔﺎﻗﻴ ـ ﺎ ﺳ ـ ﺔ. ﻛﻤ ـ ﻲ اﻟﺪوﻟ ـ ﻓ اﻟﺘﻤﻮﻳــﻞ ﻛﻤﺴــﺎﻫﻤﻴﻦ ﻣﻬﻤﻴــﻦ ﻓــﻲ رؤﻳــﺔ أﺑﻮﻇﺒــﻲ agreement will also position Khalifa Fund and Finance House as significant contributors to Abu Dhabi's SME ﻟﺘﻨﻤﻴﺔ اﻟﺸﺮﻛﺎت اﻟﺼﻐﻴﺮة واﻟﻤﺘﻮﺳﻄﺔ. Development Vision.

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ﺑﻌﺮض ـ ﺞ ﻗ ـ ﻼق ﻣﻨﺘ ـ ﻢ إﻃ ـ ﺮاد، ﺗ ـ ﻞ ا�ﻓ ـ ﻲ ﺗﻤﻮﻳ ـ ﺞ ﻓ ـ ﺎح اﻟﻤﻨﺘ ـ ﺪ ﻧﺠ ـ
After its success with individuals’ financing, the SME Gold
ﻲ ـ ﺎل ﻓ ـ ﻮ اﻟﺤ ـ ﺎ ﻫ ـ ﻄﺔ، ﻛﻤ ـ ﺮة واﻟﻤﺘﻮﺳ ـ ﺮﻛﺎت اﻟﺼﻐﻴ ـ ﺐ ﻟﻠﺸ ـ اﻟﺬﻫ
Loan product was launched, as in Loans Against Gold product,
ﻣﻨﺘــﺞ ﻗــﺮض اﻟﺬﻫــﺐ ﻟ�ﻓــﺮاد، ﻛﺠــﺰء ﻣــﻦ ﻫــﺪف دار اﻟﺘﻤﻮﻳــﻞ
ﻟﺘﻠﺒﻴــﺔ اﺣﺘﻴﺎﺟــﺎت اﻟﺸــﺮﻛﺎت اﻟﺼﻐﻴــﺮة واﻟﻤﺘﻮﺳــﻄﺔ ﺑﻄﺮﻳﻘــﺔ as a part of Finance House’ objective to cater SMEs with a
ﻣﺒﺘﻜــﺮة ﻟﻠﺘﻤﻮﻳــﻞ. ﺳــﻴﻤﻜﻦ ﻫــﺬا اﻟﻤﻨﺘــﺞ اﻟﻔﺮﻳــﺪ اﻟﻌﻤــﻼء novel way of financing.
اﻟﻤﺤﺘﻤﻠﻴــﻦ ﻣــﻦ اﻻﺳــﺘﻔﺎدة ﻣــﻦ ﻣﺠﻮﻫﺮاﺗﻬــﻢ / ﺣﻠﻴﻬــﻢ
اﻟﺬﻫﺒﻴــﺔ ﻟﻼﺳــﺘﻔﺎدة ﻣــﻦ اﻟﺘﺴــﻬﻴﻼت اﻟﻤﺎﻟﻴــﺔ. ﺑﺤﻴــﺚ ﻳﻜــﻮن
This unique product will enable the prospective clients to
اﻟﺬﻫﺐ ﻓﻌﻠﻴﺎ ﺿﻤﺎﻧﺎ ﻟﻬﺬه اﻟﺼﻔﻘﺔ.
make use of their gold/gold jewlery to avail facilities. The
gold will effectively be the collateral of this transaction.
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ﺷــﻜﻠﺖ ﻣﺒــﺎدرة ﺷــﺠﺮة اﻟﻐــﺎف ﻫﺪﻳــﺔ اﺳــﺘﺜﻨﺎﺋﻴﺔ ﻓــﻲ اﻟﻴــﻮم اﻟﻮﻃﻨــﻲ ﻟﺪوﻟــﺔ ا�ﻣــﺎرات اﻟﻌﺮﺑﻴــﺔ اﻟﻤﺘﺤــﺪة وﻃــﻮال ﺷــﻬﺮ The Ghaf Tree Initiative marked an exceptional corporate دﻳﺴــﻤﺒﺮ. وﺷــﺠﺮة اﻟﻐــﺎف ﻫــﻲ رﻣــﺰ ﻟﻼﺳــﺘﻘﺮار واﻟﺴــﻼم ﻓﻲ giveaway in the UAE National Day and throughout the month of اﻟﺪوﻟــﺔ ، �ﻧﻬــﺎ ﺗﻘــﻒ ﺷــﺎﻣﺨﺔ وﺧﻀــﺮاء ﻓــﻲ ﻗﻠــﺐ اﻟﺼﺤــﺮاء. December. Ghaf Tree is a symbol of stability and peace in the ﺔ ، ـ ﺬه اﻟﻬﺪﻳ ـ ﻲ ﻫ ـ ﻦ ﻣﺘﻠﻘ ـ ﺔ ﻣ ـ ﻞ إﻳﺠﺎﺑﻴ ـ ﻰ ردود ﻓﻌ ـ ﺎ ﻋﻠ ـ وﺣﺼﻠﻨ UAE, since it stands tall and green in the desert. This thoughtful وﺷﺠﻌﺘﻬﻢ ﻋﻠﻰ اﻟﺘﻔﻜﻴﺮ ﻓﻲ زراﻋﺔ اﻟﻤﺴﺎﺣﺎت اﻟﺨﻀﺮاء. giveaway generated a positive feedback from the receivers, and encouraged them to consider planting greeneries.

ﻣﻨﺘــﺞ "ﺳــﻠﻔﺔ" ﻟﻤﻮاﻃﻨــﻲ دوﻟــﺔ ا�ﻣــﺎرات اﻟﻌﺮﺑﻴــﺔ اﻟﻤﺘﺤــﺪة ﻫــﻮ ﻣﻨﺘــﺞ ﻳﻜﺘﺴــﺐ زﺧﻤــﺎ ﻣﺘﺰاﻳــﺪا ﺣﻴــﺚ ﻳﺨﺘــﺎر اﻟﻤﺰﻳــﺪ ﻣــﻦ ا�ﻓــﺮاد ﻚ، Sulfah ـ ﻰ ذﻟfor UAE nationals is a product that is gaining increasing ـ ﻼوة ﻋﻠ ـ ﻠﻔﺔ. ﻋ ـ ﺮض ﺳ ـ ﻰ ﻗ ـ ﻮل ﻋﻠ ـ ﺐ ﻟﻠﺤﺼ ـ ﺪم ﺑﻄﻠ ـ اﻟﺘﻘ ﺔ momentum as more individuals opt to apply for Sulfah Loan. ـ ﺮﻛﺎت اﻟﻮﻃﻨﻴ ـ ﻄﺔ ﻟﻠﺸ ـ ﺮة واﻟﻤﺘﻮﺳ ـ ﺮﻛﺎت اﻟﺼﻐﻴ ـ ﻞ اﻟﺸ ـ ﺈن ﺗﻤﻮﻳ ـ ﻓ ا�ﻣﺎراﺗﻴــﺔ ﻫــﻮ ﻣﻨﺘــﺞ ﻣﺼﻤــﻢ ﺧﺼﻴﺼــﺎ ﻟﻠﺸــﺮﻛﺎت اﻟﻤﻤﻠﻮﻛــﺔ Moreover, SME Finance for UAE National Companies is a tailor ﻟﻤﻮاﻃﻨــﻲ دوﻟــﺔ ا�ﻣــﺎرات اﻟﻌﺮﺑﻴــﺔ اﻟﻤﺘﺤــﺪة، ﺣﻴــﺚ ﻳﺘــﻢ ﺗﻄﺒﻴــﻖ made product for UAE nationals owned companies, wherein أﺳــﻌﺎر واﺟــﺮاءات ﺧﺎﺻــﺔ ﻋﻠــﻰ اﻟﺘﺴــﻬﻴﻼت اﻟﻤﻤﻨﻮﺣــﺔ ﻟﻬــﺬه special rates and processes apply for facilities granted to these ﻲ SMEs. These two products have been successful in attracting ـ ﺎن ﻓ ـ ﺬان اﻟﻤﻨﺘﺠ ـ ﺢ ﻫ ـ ﺪ ﻧﺠ ـ ﻄﺔ. وﻗ ـ ﺮة واﻟﻤﺘﻮﺳ ـ ﺮﻛﺎت اﻟﺼﻐﻴ ـ اﻟﺸ ﺟﺬب اﻧﺘﺒﺎه ﻣﻮاﻃﻨﻲ اﻟﺪوﻟﺔ ﺑﻄﺮﻳﻘﺔ إﻳﺠﺎﺑﻴﺔ. the attention of UAE nationals in a positive manner.

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As part of Finance House strategy to cater to borrowers’ needs by ﻛﺠــﺰء ﻣــﻦ اﺣﺘﻴﺎﺟــﺎت اﻟﺘﻤﻮﻳــﻞ ﻟﺘﻠﺒﻴــﺔ دار اﺳــﺘﺮاﺗﻴﺠﻴﺔ providing a wide range of products, Finance House is launching a “ Oanek ﺎت، ﻂ ـ ﺮاض ﻣﺘﻮﺳ ـ ﻦ اﻟﻤﻨﺘﺠ”, which is a Medium-risk lending product that would allow ـ ﻌﺔ ﻣ ـ ﺞ إﻗ ــ ﺔ واﺳﻮ ﻣﻨﺘ ـ ﻚ"، وﻫ ـ ﺮ ﻣﺠﻤﻮﻋ ـ ﺎدرة "ﻋﻮﻧ ـ ﻼل ﺗﻮﻓﻴ ـ ﻞ ﻣﺒ ـ ﻦ ﺧ ـ ﻖ دار اﻟﺘﻤﻮﻳ ـ ﻦ ﻣ ـ اﻟﻤﻘﺘﺮﺿﻴ ـ ﺗﻄﻠ us to contribute back to the community by providing solutions to اﻟﻤﺨﺎﻃــﺮ ﻣــﻦ ﺷــﺄﻧﻪ أن ﻳﺴــﻤﺢ ﻟــﺪار اﻟﺘﻤﻮﻳــﻞ ﺑﺎﻟﻤﺴــﺎﻫﻤﺔ ﻓــﻲ UAE nationals who are in distress and require financial support to اﻟﻤﺠﺘﻤــﻊ ﻣــﻦ ﺧــﻼل ﺗﻮﻓﻴــﺮ ﺣﻠــﻮل ﻟﻤﻮاﻃﻨــﻲ اﻟﺪوﻟــﺔ اﻟﺬﻳــﻦ fulfil their obligations towards some burdensome and unforeseen ﻳﻌﺎﻧــﻮن ﻣــﻦ ﺿﻐــﻮط وﺑﺤﺎﺟــﺔ إﻟــﻰ دﻋــﻢ ﻣﺎﻟــﻲ ﻟﻠﻮﻓــﺎء expenses such as Traffic fines, Education fees, and Medical ﺑﺎﻟﺘﺰاﻣﺎﺗﻬــﻢ ﺗﺠــﺎه ﺑﻌــﺾ اﻟﻨﻔﻘــﺎت اﻟﻤﺮﻫﻘــﺔ وﻏﻴــﺮ اﻟﻤﺘﻮﻗﻌــﺔ treatment.ﻣﺜﻞ اﻟﻤﺨﺎﻟﻔﺎت اﻟﻤﺮورﻳﺔ، ورﺳﻮم اﻟﺘﻌﻠﻴﻢ واﻟﻌﻼج اﻟﻄﺒﻲ.

ﺘﻀﺎﻓﺖ As part of its community and employee engagement, ـ ﺎ، اﺳ ـ ﺔ وﻣﻮﻇﻔﻴﻬ ـ ﺎرﻛﺘﻬﺎ اﻟﻤﺠﺘﻤﻌﻴ ـ ﺎر ﻣﺸ ـ ﻲ إﻃ ـ ﻓ دار اﻟﺘﻤﻮﻳــﻞ وﺑﻤﻨﺎﺳــﺒﺔ اﻟﻴــﻮم اﻟﻮﻃﻨــﻲ ﻟﺪوﻟــﺔ ا�ﻣــﺎرات Finance House and on the occasion of the UAE National ﻴﺔ ـ ﺔ ا�ﻣﺎراﺗDay hosted a traditional celebration wherein Emirati ـ ﺚ أدى اﻟﺮزﻳﻔ ـ ﺎ ﺣﻴ ـ ﺎﻻ ﺗﺮاﺛﻴ ـ ﺪة اﺣﺘﻔ ـ ﺔ اﻟﻤﺘﺤ ـ اﻟﻌﺮﺑﻴ ﺎ ـ ﺪم ﻓﻴﻬRazifah performed the traditional dance, as well as ـ ﺎم ﺗﻘ ـ ﺔ ﺧﻴ ـ ﻰ إﻗﺎﻣ ـ ﺔ إﻟ ـ ﺔ، ﺑﺎ�ﺿﺎﻓ ـ ﺔ اﻟﺘﺮاﺛﻴ ـ اﻟﺮﻗﺼ ﺎت". ـ ﺎق" و"اﻟﻠﻘﻴﻤ ـ ﻞ "اﻟﺮﻗ ـ ﺔ ﻣﺜ ـ ﺔ اﻟﺘﻘﻠﻴﺪﻳ ـ ﻮﻻت ا�ﻣﺎراﺗﻴ ـ اﻟﻤﺄﻛ setting up tents in which Emirati traditional food such as ﻛﻤــﺎ ﺗﻤﻜﻨــﺖ اﻟﺸــﺮﻛﺎت اﻟﻤﺤﻠﻴــﺔ ﻣــﻦ اﻟﻤﺸــﺎرﻛﺔ ﻓــﻲ “Reqaq” and “Luqeimat” were served. Local businesses ا�ﻋــﺪاد إﺟــﺮاء وﺗــﻢ وﻋــﺮض ﻣﻨﺘﺠﺎﺗﻬــﺎ. ﻫــﺬا اﻟﺤــﺪث were also able to participate in the event and showcase وﺗﻨﻈﻴﻢ اﻟﺤﺪث ﻣﻦ ﻗﺒﻞ ﺷﺮﻛﺔ اذارة ﻓﻌﺎﻟﻴﺎت اﻣﺎراﺗﻴﺔ. their products. The set-up and the event organization has

been conducted by an Emirati event management entrepruener.

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“ Winter Bazaar ” is another event that Finance House "ﺑــﺎزار اﻟﺸــﺘﺎء" ﻫــﻮ ﺣــﺪث آﺧــﺮ اﺳــﺘﻀﺎﻓﺘﻪ دار اﻟﺘﻤﻮﻳــﻞ hosted to support small local businesses and artists ﻟﺪﻋــﻢ اﻟﺸــﺮﻛﺎت اﻟﻤﺤﻠﻴــﺔ اﻟﺼﻐﻴــﺮة واﻟﻔﻨﺎﻧﻴــﻦ اﻟﺬﻳــﻦ who shared their products including home-made ﺷــﺎرﻛﻮا ﻣﻨﺘﺠﺎﺗﻬــﻢ ﺑﻤــﺎ ﻓــﻲ ذﻟــﻚ اﻟﻤﺨﻠــﻼت ﻣﺤﻠﻴــﺔ pickles, macrames, candles, and digital paintings to اﻟﺼﻨــﻊ واﻟﻤﻨﺴــﻮﺟﺎت واﻟﺸــﻤﻮع واﻟﻠﻮﺣــﺎت اﻟﺮﻗﻤﻴــﺔ، employees. These businesses gained exposure and ﻟﻠﻤﻮﻇﻔﻴــﻦ. واﻛﺘﺴــﺒﺖ ﻫــﺬه اﻟﺸــﺮﻛﺎت ﺷــﻬﺮة ﺑﻴــﻦ came back to us with positive and encouraging ﻣﻮﻇﻔﻴﻨﺎ وﻃﺎﻧﺖ ردود ﻓﻌﻠﻬﺎ إﻳﺠﺎﺑﻴﺔ وﻣﺸﺠﻌﺔ. feedback.

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