Finance

11.11.2025

Why are cryptocurrency prices crashing? The complete guide to understanding the causes and protecting your money

What's happening in the cryptocurrency market? Your guide to understanding the October 2025 crash and acting smart Are you anxiously watching the price screen? Do you see your investment portfolio turning red and wonder: "Why are cryptocurrency prices collapsing so fast?" You're not alone. In the midst of the mid-October 2025 plunge, millions of investors around the world are worried, confused, and looking for clear answers. You may be wondering: "Is this just a correction or the beginning of a long bear market?" Or, "What is causing this crash and, more importantly, how do I protect my money now?" This article is not just another news report, but your comprehensive analytical guide. We'll dive deep to uncover the three real reasons behind this crash - from global economic concerns, to the hidden "whale game," to the impact of multi-billion-dollar liquidations. More importantly, we'll give you a clear, strategic roadmap that includes practical steps to manage risk, assess whether this is the right time to "buy the dip," and important warnings to protect your capital. By reading this guide, you'll move from anxiety to understanding, and have the tools to make smart, informed investment decisions. A quick look at cryptocurrency prices: Analyzing the mid-October 2025 crash The recent bearish wave was not a simple correction, but a rapid and violent collapse that affected the entire market. It started with a plunge in the price of Bitcoin, [...]

A group of well-dressed Saudi investors, both men and women in traditional thobes and modern business attire including abayas, are engaged in a discussion around a conference table in a modern office in Riyadh. Digital financial charts and graphs are superimposed on the table and floating in the air, with a cityscape visible through the large window in the background. The atmosphere is professional, dynamic, and forward-looking, emphasizing financial market discussions in a contemporary Saudi business setting.

11.11.2025

Forwards and Futures: The complete guide for the Saudi investor to understand the fundamental differences, risks, and the legal perspective

Do you feel lost between futures and forwards? Your guide to simplifying derivative instruments in the Saudi market Are you a Saudi investor or financial manager seeking to protect your company from oil or currency fluctuations, but find it difficult to distinguish between Forwards and Futures? Are you wondering how to use these instruments effectively without taking counterparty risk, and more importantly, what is the Shari'ah perspective of these transactions in the context of Shari'ah? these instruments effectively without taking on counterparty risk and, more importantly, what is the Sharia perspective on these transactions in the context of Islamic law? This terminological overlap, coupled with the technical complexity and lure of leverage, can be a real challenge for anyone looking to maximize their returns or manage their risks. Our team recognizes these challenges. That's why this comprehensive guide provides you with an in-depth analysis that clears up the confusion once and for all. By reading this article, you will gain a fundamental understanding of each instrument, learn the exact selection criteria between them, and be equipped with practical risk management strategies, as well as a clear vision on dealing with them within the Saudi market framework and adhering to Shariah regulations. This is your key to making informed and responsible investment decisions. Derivative Financial Instruments: Derivatives are a class of financial instruments that derive their value from an underlying asset, such as stocks, commodities (such as oil and gold), interest rates, or currencies. Their importance lies in the separation of risk from the asset itself, allowing market participants to trade risk [...]

Complete Guide to Real Estate Financing in Saudi Arabia: Bank Comparison, Requirements, and Steps to Homeownership

08.11.2025

A comprehensive real estate finance guide in Saudi Arabia: Compare banks, terms, and steps to own your home

Do you dream of owning your own home? Your guide to making the right decision Owning a dream home is the ultimate goal for many in Saudi Arabia. But with so many banking options and financing programs, the journey to obtaining a mortgage can seem complicated and confusing. Are you confused between Al Rajhi Bank and Al Ahli Bank offers? Are you wondering, "What exactly is subsidized financing?" Or "Do I qualify for the required conditions?" You are not alone. Looking for "real estate finance" doesn't mean looking for a loan, it means looking for a reliable partner for a years-long journey. In this comprehensive and unbiased guide, we'll take you step by step. This article is not an advertisement for a particular bank, but a roadmap for you. We'll help you understand the jargon, clearly compare offers, know the terms, and the practical steps from the moment you think about buying until you pick up the keys to your home. What is a mortgage? Your guide to understanding the basics before you buy Before getting into bank comparisons, it's essential to understand exactly what a mortgage is and how it differs from other financial products. Understanding these basics is your first step towards making a sound financial decision. What is the difference between a mortgage and a mortgage? The terms "mortgage" and "mortgage" are commonly confused. In fact, they are two sides of the same coin with a subtle difference in execution, especially in the context of Islamic finance in the Kingdom. After all, [...]

Loans in Saudi Arabia: A Complete Guide to Sharia-Compliant Finance (2025 Edition)

08.11.2025

Loans Guide in Saudi Arabia: Compare the best offers and terms from banks

Are you looking for a loan in Saudi Arabia? Your comprehensive guide to making a safe decision Do you need cash to fulfill a specific goal, such as buying a house or a car, or covering an emergency expense? Are you confused between terms like "loan" and "Islamic finance" and don't know which bank offers the most suitable offer in Saudi Arabia? You're not alone. Looking for a loan can be confusing due to the variety of products and complex terms. But don't worry. This detailed guide has been written specifically to help you. Here, you'll find a comprehensive and unbiased comparison of the best financing offers from major Saudi banks such as Al Rajhi and Al Ahli. We'll clearly explain the difference between Sharia-compliant financing and a conventional loan, and walk you through the requirements and documentation step-by-step. By the end of reading this article, you will be able to choose the most suitable loan for your needs with confidence and knowledge. What is a loan (finance)? Your guide to understanding the options in Saudi Arabia When we search for the word "loan" in Saudi Arabia, we often mean what is known in banking as "finance". Understanding the terminology is your first step towards making the right choice. A loan, in its traditional sense, is an amount of money you borrow and are obligated to pay back with a predetermined interest rate. Finance, especially in Saudi banks, is designed to be Sharia-compliant, eschewing the concept of "interest" in favor of concepts like "profit margin." The fundamental difference: Conventional Loan vs. Islamic Finance (Murabaha, [...]

08.11.2025

Saderat (4140) stock analysis and forecast for 2025: Your comprehensive guide to making an investment decision

Saderat stock: Between a promising growth opportunity and an uncertain investment decision You may have heard about the Saudi Industrial Exports Company (4140) and the growing interest in it, especially as it is closely linked to the ambitious Saudi Vision 2030 goals. On the one hand, you realize that investing in the non-oil export sector could be a gateway to significant returns, but on the other hand, you may be confused and concerned by the stock price fluctuations and scattered information that doesn't give you a complete picture. Are you wondering, "Is this the right time to buy Saderat stock?" Or "What are the real risks I might face?" If these questions are on your mind, you've come to the right place. This article is not just a recitation of the news, it is your one-stop analytical guide that has been specially prepared to help you. We'll take you step-by-step to understand every aspect of the company, from its unique business model, to an in-depth financial analysis of its performance, to its future in light of the Kingdom's economic trends. By the end of your reading, you will have the clarity and confidence to evaluate the stock yourself and make a well-informed investment decision, whether to buy, sell, or hold. Saderat (4140) Stock Analysis for 2025: Your comprehensive guide to trading and investing in the stock Welcome to your comprehensive guide to the Saudi Industrial Exports Company (SIEC), commonly known as Saderat (4140) on the Saudi Stock Exchange (Tadawul). In light of [...]

A woman checking the details of an instant loan on her smartphone.

03.11.2025

Instant Finance in Saudi Arabia 2025: A comprehensive guide to fast cash financing without salary transfer (Sharia-compliant)

Instant funding: The Ultimate Guide to Getting Fast Cash in Saudi Arabia The need for quick cash is something that individuals and entrepreneurs alike face in Saudi Arabia. With the Kingdom's FinTech sector growing exponentially, the concept of instant funding has become not just a luxury, but a necessity to meet the demands of modern life and the speed of investment and business decisions. This comprehensive guide provides you with the necessary information to start your journey towards obtaining your cash in the fastest and easiest way, while ensuring alignment with your Sharia values and financial requirements. What is instant finance and why has it become the first choice in Saudi Arabia? With Vision 2030 and digital transformation, the Saudi consumer is looking for financial solutions that are not only fast, but also efficient and transparent. Instant finance represents a revolution in this field, breaking the traditional bureaucratic constraints. Definition of Instant Finance: Speed and flexibility at your fingertips Instant finance is a financial product characterized by instant (or near-instant) approval and deposit into the account within a few hours, instead of days or weeks as in traditional financing. This type of finance relies heavily on digital platforms and smart apps, and the use of data analytics and automated credit assessment techniques. This gives individuals and business owners unparalleled flexibility to deal with [...]

A person working on a computer in an office and another person checking a laptop and a card.

03.11.2025

Cards: The double secret to designing breathtaking greetings and buying the best digital cards in Saudi Arabia 2025

Are you looking to stand out on your special occasions with a unique greeting card? Or maybe you're looking to buy digital cards (shipping cards, game cards) at the best price and maximum security in the Saudi market? The word "cards" is broad and encompasses two completely different worlds: The world of creativity and expression (greeting cards) and the world of digital transactions and entertainment (shipping and gift cards). This comprehensive guide is your key to mastering both areas in 2024, with a focus on the needs of the Saudi market. Get ready to discover the secrets of professional design and the best trusted stores for all your card needs. Part I: Design professional greeting cards: The Secrets of Impressing at First Sight Nothing beats sending a thoughtfully designed greeting card that reflects your taste and appreciation for the recipient. In this installment, we reveal how to transform you from a novice to a professional designer of holiday and event cards, with a focus on the elements that are of particular interest to Saudis. What cards are you looking for? The essential differences between greeting cards and shipping cards Before we dive into the world of designing or buying, we must define the purpose of your search for the word cards. Searchers often confuse two main types: This section will focus on the first type (greeting cards) and how to master their design to make a memorable impact. A beginner's guide: 5 easy steps to design your perfect card with no design experience required No complicated programs or [...]

Abstract visual representing the GOSI integration of old (blue and new (green) pension systems merging into a glowing golden shield of digital protection over a futuristic Saudi skyline.

03.11.2025

Pension organization: Your comprehensive guide to civilian and military services after the merger at GOSI

Pension organization: Your comprehensive guide after the merger with Social Insurance (GOSI) Welcome to your one-stop guide about the General Organization for Retirement. If you're looking for information about retirement services for civilian or military employees, you've likely noticed significant changes in recent years. Perhaps the most notable of these changes is the full integration of the Public Pension Agency (PPA) into the General Organization for Social Insurance (GOSI). This important administrative change has unified Saudi Arabia's social protection umbrella, but it may raise some questions for current retirees and contributors. In this article, we will explain in detail what happened to the organization, and how you can now access all your retirement services with ease through the GOSI's unified platform. We'll cover everything from how to log in with National Access, submit a retirement application, inquire about your entitlements, to understanding the pension systems after the merger. Our goal is to clear up any confusion and provide you with all the information you need to ensure your pension rights and follow your transactions with confidence. What is the fate of the Pension Corporation? The straightforward and clear answer to the merger is: The Public Pension Organization no longer exists as an independent entity. Based on a Cabinet decision issued in June 2021, the Pension Corporation has been fully integrated into the General Organization for Social Insurance (GOSI). This does not mean that the rights of retirees or participants have been lost

A confident Saudi businessman and businesswoman discussing Personal Finance Saudi Arabia solutions with a banking advisor in a modern Riyadh office.

15.11.2025

A comprehensive guide to personal finance in Saudi Arabia

Introduction: Why personal finance is not just a loan, but your secure future? In Saudi Arabia, where the economy is experiencing rapid growth and an unprecedented expansion of financial and professional opportunities, managing "personal finance" has become more than just a matter of organizing monthly expenses. It is the essential map that determines whether you will achieve financial stability and be able to take advantage of these opportunities, or remain trapped in debt crises and irregular cash flows. Many people seek personal finance to meet urgent needs, but only a few realize that the real power lies in managing it and directing it towards wealth building, not just consumption. This comprehensive guide is designed to take you step-by-step, from the universal basics of financial management to the finer details of Saudi banks' personal finance programs, including Sharia-compliant options. We'll help you understand how a loan, whether for personal needs or investment, can be a powerful growth tool if managed wisely. Start your journey now towards a more secure and prosperous financial future. 1. The 4-Step Plan: The personal financial management fundamentals that guarantee you wealth Building wealth is not a magical process, but rather the systematic and consistent application of four core financial principles. These principles are the foundation upon which all your financial decisions are built, from choosing a personal finance to determining [...]

A Saudi businessman and businesswoman in modest attire shaking hands across a glowing blue digital shield, symbolizing secure and legally protected promissory note transactions and digital transformation in finance.

03.11.2025

Deed to Order in Saudi Arabia 2025: Issuance through a window, validity conditions, and direct execution procedures to ensure your right

Don't risk your money: Your legal guide to mastering the electronic Deed of Order and ensuring debt collection Are you worried about how to document your future financial transactions and ensure you recover your right without going through the long maze of courts? Are you wondering what is the real difference between a Deed of Order and a check, and how to use Nafez's platform to make it an irreversible executive deed? Many commercial and individual transactions in Saudi Arabia are exposed to financial risks due to not understanding the exact legal terms of this powerful tool. You are not alone in these questions! We've designed this comprehensive guide to give you the power and legal knowledge you need. By reading this article, you will master all things related to the bond: From understanding its formal and substantive conditions that prevent its invalidity, to the illustrated steps to issue it electronically via Nafez, to direct execution procedures through the Execution Court and the legal implications for the debtor (suspension of services and travel bans). The benefit is guaranteed: You will be able to protect your capital, accelerate the collection of your debts, and avoid fraud and wrongful claims, with full confidence based on the Saudi system. Start reading now and make the Deed to Order your legal shield in every transaction. You're not alone in these questions! What is a Promissory Note? Executive power and benefits you don't know The exact legal definition of a Promissory Note and its role in the commercial paper system A Promissory Note is a very important legal and commercial document [...].