Finance

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 [...].

A person receiving a detailed explanation about medical insurance

03.11.2025

Medical insurance for SMEs: Instant comparison, best coverage, and cost-cutting secrets

Are you an SME owner in Saudi Arabia looking for the best medical insurance for your employees? We know it's more than just legal compliance; it's about protecting your most valuable resources, controlling costs, and fostering an attractive work environment. This comprehensive guide will guide you step-by-step, from understanding the legal requirements to implementing smart strategies to get the best coverage at the lowest possible cost, right away. Don't settle for the cheapest price, compare offers based on quality, medical network, and real benefits. Why is employee medical insurance an investment and not just an obligation? Providing health insurance for employees in your SME is not just a budget line item, but a long-term strategic decision. In the Kingdom's competitive business environment, medical insurance contributes to building a positive image of your organization as an employer that cares about the well-being of its team. This has a direct impact on productivity and job loyalty. In this section, we explain the legal and strategic dimensions of this obligation. Legal framework: Compulsory Health Insurance Requirements in Saudi Arabia Under the Cooperative Health Insurance Law in Saudi Arabia, providing health insurance for all employees (Saudi and non-Saudi) in the private sector and their family members covered by the system is mandatory and a legal obligation for the employer. According to the decision, the insurance policy must cover all essential benefits defined by the Council for Cooperative Health Insurance (CCHI). Small and medium enterprises [...]

Saudi businessman in traditional attire reviewing digital financial data and insurance policy options in a modern office, symbolizing forward-thinking insurance planning.

03.11.2025

Insurance in Saudi Arabia: Your comprehensive guide to understanding "My Insurance", its legal ruling and how to choose it

Are you looking for "my insurance"? Start your journey to financial security here Are you confused whenever you hear the word "insurance"? Are you wondering "What insurance do I really need?", "Is insurance halal and Sharia-compliant?", or "What is the difference between mandatory and voluntary insurance in Saudi Arabia?" If these questions are on your mind, you are not alone. This comprehensive guide is designed to answer all your questions about the insurance system in Saudi Arabia. We will take you step by step, starting from simplifying the basic concepts, clarifying the legal ruling (the difference between cooperative and commercial insurance), to reviewing the most important types of insurance (health, vehicle, life, and property). By reading this article, you will have a clear roadmap to help you understand your real needs, compare offers, and make an informed decision. You will gain the confidence to choose the right "my insurance" that protects your financial future and that of your family. Your comprehensive guide to My Insurance: How to protect your financial future in Saudi Arabia Welcome to your essential guide to understanding the world of insurance in Saudi Arabia. The word "insurance" may sound complicated or just another financial burden, but it's actually one of the most important tools available to you to protect your financial future and that of your family. Life is full of surprises, some of which are pleasant and others can be quite challenging, whether it's an unexpected accident, a health emergency, or damage to your valuables. In this [...]

A professional Saudi businesswoman in modest attire holding a tablet with a soaring S&P 500 growth chart overlay, against a modern Riyadh skyline.

03.11.2025

S&P 500 Index: Your Ultimate Guide to Halal Investing and How to Start Trading from Saudi Arabia

Are you ready to invest in the world's strongest economy? Start your journey with the S&P 500 Are you confused by the vast world of American investing and wondering: What exactly is the S&P 500? How can I participate in the growth of the 500 largest U.S. companies without taking on risk? More importantly, is investing in the S&P 500 Sharia-compliant? We know you're looking for a safe, low-cost way to build your wealth over the long term, and you may be interested in the advice of legendary investor Warren Buffett. This comprehensive guide gives you everything you need to make your decision with confidence: From breaking down the components of the index and understanding how it works, to comparing it to the Nasdaq and Dow Jones, to clarifying Sharia compliance and suggesting the best practical ways to start investing or trading in the S&P 500 step-by-step from Saudi Arabia. Read now to find out how you can turn your curiosity into a successful and thoughtful investment strategy. What is the S&P 500 and why is it the "barometer of the U.S. economy?" A simple explanation: What is the S&P 500 Index? The S&P 500 Index, abbreviated as SPX, is not just a passing number in the financial news, but the world's most important and most traded benchmark for measuring the performance of the U.S. stock market. The index measures the performance of the 500 largest companies [...]

03.11.2025

Upcoming IPOs in Saudi Arabia: Your comprehensive guide to the most promising investment opportunities for 2025

Your golden opportunity to subscribe: A comprehensive guide to top companies and investment analysis Are you tired of missing out on promising investment opportunities? Are you looking for reliable and detailed updates on upcoming IPOs on the Saudi Stock Exchange (Tadawul) but find it difficult to sort through the overwhelming information? We understand your concern. A smart investor doesn't just want to know the name of the company and the date of the IPO, they want to understand the essence of the opportunity and the risks to make a sound investment decision. That's why we've created this comprehensive guide. By reading this article, you will be able to: Get an updated list of the most important confirmed and upcoming IPOs in TASI and Namo, learn how to analyze and evaluate companies before an IPO, and acquire post-listing allocation and trading strategies to ensure maximum return on your investment in upcoming IPOs. Never miss an opportunity again; start your investment journey with confidence and knowledge. Why should you focus on upcoming IPOs? Understanding the opportunity and risks Initial public offerings (IPOs), or more commonly known as upcoming IPOs, are the gateway where economic growth meets individual investment opportunities. For an investor in the Saudi market, an IPO is not just an opportunity to buy new shares, but a direct participation in the accelerating dynamism of the national economy. Focusing on these IPOs gives you first dibs on companies that could deliver exceptional growth in the future, and these stocks are often offered at attractive initial prices. However, these opportunities are not without risks, most notably [...]

Everything you want to know about Takaful Al-Rajhi: a comprehensive guide to insurance, shares, and customer service (2025 edition)

30.10.2025

Everything you need to know about Al Rajhi Takaful: A comprehensive guide to insurance, shares, and customer service (2025)

Are you looking for reliable information about Al Rajhi Takaful in one place? Searching for "Al Rajhi Takaful" can be confusing. Maybe you're a new customer trying to understand the difference between vehicle insurance plans, a family looking for the best health insurance, or an investor watching the stock performance (8230) on Tadawul. Maybe you're an existing customer who just wants to know the fastest way to file a claim or sign up for a "documentary" account. The trouble is that this information is often spread across different websites, leaving you lost between product pages, investor reports, and customer service portals. This comprehensive guide is designed to solve this issue. We've gathered everything you need in one place. This article will provide you with a deep understanding of all Al Rajhi Takaful products, a clear analysis of its investment side, and a practical step-by-step guide for existing customers. By the end of your reading, you will have clear answers to all your questions, regardless of the reason for your research. (2025) When you search for Al Rajhi Takaful, you're looking for more than just an insurance company. You're looking for a trusted partner that aligns with your principles and offers you solutions to protect what's most precious to you, whether it's your car, your health, your family, or even your investments. In the growing Saudi insurance market, Takaful Al Rajhi stands out as one of the most prominent players, but what exactly does it offer? Those looking for this name face the challenge of [...]

The U.S. Federal Reserve: Latest Interest Rate Updates and Their Critical Impact on Your Investments in Saudi Arabia

30.10.2025

US Federal Reserve: How does its decision affect the riyal, oil, and Saudi stocks?

What does the upcoming US Federal Reserve meeting mean for your portfolio? Are you following the US Federal Reserve and confused about why these decisions matter to you in Saudi Arabia? Are you wondering how its upcoming meeting on October 29 will affect your stocks on Tadawul or oil prices? You're not alone. Many are wondering about the relationship between Washington's decisions and their portfolios in Riyadh. In this comprehensive guide, we translate the complexities of monetary policy into clear advice. You'll understand exactly why the Saudi Arabian Central Bank (SAMA) follows the Fed's lead, and what that means for the Riyal's correlation to the dollar. More importantly, you'll get a detailed analysis of the impact of the expected rate cut on the banking and real estate sectors, and how you can prepare your investment strategy in gold, sukuk, and stocks to be ready. US Federal Reserve: How does its next decision affect your Saudi portfolio? (A comprehensive guide) From Washington to Riyadh, the world is watching the next meeting of the Federal Reserve. For many in Saudi Arabia, this is not just a passing economic news item, but a pivotal event that could determine the course of their investments and finances for the coming months. Whether you are an investor in the Tadawul stock market, own real estate, or even save in Saudi Riyals, the decisions of this powerful central bank have a direct and profound impact on your portfolio. This is because of the close correlation between the SAR and the US dollar, and the complex relationship between interest rates [...]

28.11.2025

What is a loan? A comprehensive guide to understanding personal and consumer loans

تنويه هام: هذا الموقع هو مدونة شخصية للمعلومات المالية ولا يتبع لمؤسسة “موهبة” الحكومية ولا يقدم أي قروض مباشرة. مقدمة: لماذا من المهم أن تفهم القرض قبل التوقيع؟ في عالم التمويل الحديث، أصبح القرض أداة أساسية لتحقيق الأهداف الشخصية والعائلية مثل شراء منزل أو تمويل التعليم أو مواجهة الطوارئ. ومع ذلك، يقع كثيرون في فخ الالتزامات المالية بسبب الجهل بالتفاصيل الدقيقة للعقود البنكية أو الخلط بين القرض والتمويل.إذا كنت تتساءل: هل القرض هو الخيار الصحيح لي؟ كيف أختار العرض الأنسب؟ وما الفرق بين القرض العادي والتمويل الإسلامي؟فهذا المقال سيقدّم لك إجابات عملية مبسطة تساعدك على اتخاذ قرار مالي آمن ومتوازن. ما هو «القرض»؟ الأساس القانوني والعملي التعريف والأطراف وشروط صحة العقد القرض هو عقد مالي بين طرفين، يمنح فيه المقرض المال أو الأصل للمقترض مقابل التزام المقترض بإعادته خلال فترة محددة.يشترط لصحة العقد أن يكون المال معلوم المقدار والوصف، وأن يكون المقرض والمقترض مؤهلين قانونيًا، مع وجود نية السداد.ويُعد القرض مشروعًا إذا خلا من الشروط الربوية أو المنفعة الزائدة المشروطة للمقرض. الفرق بين القرض والتمويل/الائتمان في التعاملات المصرفية القرض يعني تمكين المقترض من مبلغ نقدي يجب سداده بفائدة أو دونها. أمّا التمويل فقد يأتي بصيغ مرتبطة بسلعة أو خدمة (مثل مرابحة/إجارة/تورق).والائتمان مفهوم أوسع يشمل جميع صور الثقة الائتمانية التي يمنحها […]

28.10.2025

Tawteen Guide 2025: New updates, ratios, and standards that every organization should know

Introduction: Why do you need to understand Tawteen today more than ever? In 2025, Tawteen is no longer just a recruitment policy, but a strategic factor that determines the sustainability and competitiveness of organizations in the Saudi market. Many business owners and HR managers are wondering: How do we properly implement the new decisions? What percentages are required? When are penalties imposed? This practical guide provides a detailed and simplified explanation of all stages of Tawteen 2025 - from the definition and ministerial decisions to calculation methods, digital platforms (Qiwa/Taqat/Jadarat), and support programs (HRDF) - with a 90-day implementation roadmap, templates, checklists and KPI dashboard, so your organization comes out with an actionable compliance plan from day one. What is Tawteen? Definition, objectives, and why it matters to businesses "Tawteen" is a national program to increase the participation of Saudi cadres through gradual and deliberate replacement of occupations that can be filled by qualified citizens, while linking employment with training and professional accreditation to ensure quality and continuity. It differs from purely quantitative solutions because it focuses on the quality of jobs and competencies and their impact on productivity and business value. For enterprises, compliance is not only a regulatory burden, but a human capital investment that unlocks government contracts, reduces regulatory risk, and enhances organizational reputation. Understanding the mechanisms and operating them accurately has become a competitive necessity for every organization operating in the Kingdom. Briefly defining "Tawteen" and distinguishing it from "Nitaqat" to ensure faster compliance The difference can be summarized as follows: "Nitaqat measures how much [...]

02.12.2025

Oil prices: How do they affect the Saudi economy, your TASI investments, and your daily life?

Does the price of a barrel of oil really affect your life and investments? Every morning you wake up to the headline-grabbing news of "oil prices". You may wonder: "Why should I care about this number? How does the price of one barrel of Brent really affect my TASI portfolio? What does it have to do with my monthly budget or the price of gasoline?" You may feel that the oil market is complicated and reserved for experts, and that these global numbers are far removed from your reality. This article is your answer. Whether you're an investor in the Saudi market, an entrepreneur following the economy, or a citizen seeking to understand the forces shaping the Kingdom's future and Vision 2030, it's tailor-made for you. This comprehensive guide demystifies the "black gold". We take you step-by-step from the basics (what is oil?) to advanced analysis (how do OPEC+ decisions affect Aramco shares?), giving you a complete understanding that connects the global numbers to your immediate daily life in Saudi Arabia. Oil prices: The Complete Guide to Understanding the Black Gold's Impact on the Saudi Market and Economy Oil, or "black gold," is more than just a commodity to be bought and sold on global markets. It is the engine of the global economy, the lifeblood of industries, and a decisive factor in shaping international geopolitics. For Saudi Arabia, oil is doubly important; not only is it a major source of income, it is an integral part of [...]