[official]mawhiba-rabit

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, [...]

Finance

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 [...]

Artificial intelligence

08.11.2025

Artificial Intelligence Bard turns into Gemini: A beginner's and pro's guide to outperforming ChatGPT in Saudi Arabia 2025

Are you ready for a quantum leap in AI? Here's what you need to know about Gemini Are you confused by the plethora of updates regarding AI tools? Are you wondering what the real difference is between Google Gemini and ChatGPT, and how Google's new model can serve your specific business needs in the Saudi market? Maybe you're worried about the reliability of information in Arabic, or looking for a way to effectively integrate this technology into your daily workflow with Google Workspace services. If these are your questions, you're in the right place. Bard AI has moved into a new phase called Gemini, bringing with it unprecedented multimedia power. This comprehensive guide aims to demystify this transition. By reading this article, you'll discover: Why Gemini outperforms its competitors in real-time data processing, how to harness the power of the breakthrough integration with Gmail and Drive, and learn the secrets of crafting "effective triggers" in Arabic, as well as real-world examples to boost your productivity in the Saudi business context. Get ready to transform the way you work and gain a competitive edge in 2025. 1. What is Bard AI (Gemini)? The secret behind Google's biggest transformation Bard is no longer just an experimental chatbot; it has evolved into Gemini, the most powerful multimodal Large Language Model (LLM) Google has ever developed. This transformation [...]

Artificial intelligence

07.11.2025

Chinese DeepSeek: Is Chinese AI toppling ChatGPT's throne? A comprehensive analysis of efficiency and cost

Why should you care about China's DeepSeek model now? (Analytical Introduction) Worried about the rising costs of subscriptions to leading AI models like ChatGPT? Looking for a powerful, free alternative that combines advanced performance with resource efficiency, or wondering about the future dominance of companies like OpenAI and NVIDIA in light of China's spectacular rise? China's DeepSeek AI platform has created unprecedented buzz in global markets and within Silicon Valley, raising questions about whether engineering efficiency can trump capital power. We recognize your urgent need to understand these developments and how they affect your technology choices and investments. This article will provide you with a comprehensive and thorough analysis of DeepSeek's performance compared to ChatGPT, highlight its unique DeepThink feature, reveal its economic implications for semiconductor stocks, as well as assess whether this Chinese model offers real value to the Arab user. Once you finish reading, you will be equipped with all the tools and information needed to make an informed decision about adopting DeepSeek in your projects or following its impact in the market. 1. What is DeepSeek? The Chinese definition of a game-changer in the AI race The emergence of the Chinese AI model DeepSeek has created a global buzz, especially among developers and investors, to the point that some have described it as a "Sputnik moment" for AI. DeepSeek is a Chinese startup in [...]

Artificial intelligence

People discussing Saudi Arabia's advanced AI

07.11.2025

Saudi Artificial Intelligence 2030: The roadmap to investment, jobs, and the secrets of the Kingdom's regional supremacy

Are you an investor or technologist looking to position Saudi Arabia in the global artificial intelligence race? Saudi Arabia is undergoing an unprecedented transformation, with artificial intelligence (AI) becoming the driving force behind the realization of Vision 2030. What are the real opportunities available to invest in megaprojects like NEOM, can I find a promising career path, and what are the expected average salaries for AI engineers? We understand that you need concrete facts and clear figures about the Saudi AI strategy and its competitive position compared to the UAE and Qatar. This strategy guide is a comprehensive roadmap that provides you with a deep and authoritative analysis. You'll get an exclusive look at Humain's massive investments in cloud computing, practical examples of Aramco's applications in the energy sector, and a detailed comparison of regional competitiveness indicators. By reading this article, you will be able to determine the best path for investment or career specialization in the booming Saudi sector, supported by up-to-date salary data and foreign market entry guidelines. I. Introduction: Artificial Intelligence as a Pillar of National Transformation 2030 I.1. Why has Artificial Intelligence become the "new oil" for the Kingdom? Artificial Intelligence (AI) is no longer just a futuristic technology for Saudi Arabia, but a key strategic pillar for realizing Vision 2030 and transforming the national economy from dependence on hydrocarbon resources to a knowledge-based economy [...]

Artificial intelligence

07.11.2025

Artificial Intelligence in Education: Your comprehensive guide to Saudi Arabia's upcoming education revolution

Are you ready for the future of education? Your guide starts here. You may hear a lot about "AI in education" and feel a mixture of excitement, curiosity, and maybe even a little confusion. You may wonder: "What does this term really mean for my students and me?" Or "How can I use this technology when I'm not a technical expert?" Or, "Where do I begin this journey into the future?" This comprehensive guide is tailor-made for you. In this article, we'll take you on an integrated journey that answers all these questions. You'll gain a deep understanding of how AI is transforming education in Saudi Arabia, and gain a clear, practical roadmap to take your first steps with confidence, whether you're a teacher looking to innovate, an educational administrator planning for the future, or a student with a passion for learning. The next education revolution: Why artificial intelligence is no longer an option but an imperative? In a world where technological development is accelerating like never before, talking about artificial intelligence in education is no longer an intellectual luxury or a far-fetched vision of the future. Rather, it has become a reality and an urgent necessity that imposes itself on all educational systems that seek to keep pace with the requirements of the era and qualify a generation capable of competition and innovation. The shift towards smart education is no longer an option that can be postponed, but an inevitable investment in the future of our children and the future of the entire nation. The traditional methods that we have relied on for decades are beginning to show their inadequacy in meeting [...]

Artificial intelligence

07.11.2025

Artificial Intelligence GPT: Your complete guide to 2025 news, from GPT-5 and Apple to Saudi Vision 2030

From hype to reality: Your guide to understanding the GPT AI revolution in 2025 Do you feel lost in the torrent of GPT AI news? One day we hear about the GPT-5 revolution, the next day we read about an embarrassing OpenAI "scandal". You may be wondering: What is the real truth behind all this hype? And more importantly, how will this rapid development affect my life and career here in Saudi Arabia? This article is your answer. We've filtered out all the conflicting news to give you a comprehensive and objective analysis. By reading this guide, you'll get a clear understanding of what GPT-5 really is (including its weaknesses), how it compares to its competitors like Gemini and Claude, and why Apple suddenly decided to incorporate it into its devices. More importantly, we'll show you how this global technology directly relates to the goals of Vision 2030 and its practical impact on our future in the Kingdom. Artificial Intelligence GPT: What exactly is it, and why is it so controversial in 2025? The GPT Journey: From the ChatGPT revolution to GPT-5 developments To understand what's happening today, we must go back to the beginning. GPT is an acronym for "Generative Pre-trained Transformer". Simply put, it's a type of artificial intelligence that learns from massive amounts of text on the internet to be able to understand and produce human language. The real revolution began with the release of ChatGPT (built on GPT-3.5 and GPT-4), which transformed AI from

Artificial intelligence

07.11.2025

Chinese artificial intelligence: The rise of the new superpower and the challenge to U.S. hegemony

The global technological landscape has undergone a radical shift, in which the race for dominance is no longer limited to military power or traditional economics, but has moved into the realm of artificial intelligence (AI). China, with its incredible advances in this field, stands today to pose an unprecedented challenge to the United States. This competition is not just a race to build the biggest model, but a deep strategic struggle over how to integrate AI into the core of the economy and society. In this report, we review China's unique strategy, compare its grand models, and analyze the geopolitical dimensions of this conflict, with a special focus on the direct impact on the Middle East and Saudi Arabia. 1. The Global AI Race: The opposing strategies of China and the United States 1-1. Artificial General Intelligence (AGI) versus Artificial Artificial Intelligence (AI): Where does the focus lie? The fundamental difference between the two superpowers' strategies lies in the definition of "success" in AI. The US, led by Silicon Valley companies, is primarily focused on achieving Artificial General Intelligence (AGI), i.e. developing systems capable of self-improvement and outperforming human cognitive abilities in a wide range of cognitive tasks. This focus is exemplified by large language models (LLMs) such as GPT-4, which require massive investments in supercomputing and big data. In stark contrast, China is adopting a different strategy, focused on integrating AI into the "physical economy" on a large scale. [...]

Artificial intelligence

04.11.2025

AI 2025: Your comprehensive guide to understanding how this technology is shaping Saudi Arabia's future

Everything you need to know about the AI revolution in Saudi Arabia Do you hear the term "artificial intelligence" everywhere and feel curious or maybe a little confused? You may be wondering: "What is AI really, and how does it affect my daily life and work here in Saudi Arabia?" In the midst of this massive influx of information, it can seem difficult to find a comprehensive and authoritative source that demystifies AI and gives you a clear picture. If these are your questions, you've come to the right place. This article isn't just another technical explanation, it's your one-stop guide designed just for you. We'll take you on a step-by-step journey to explore the world of AI, from its most basic definitions, to inspiring success stories from the heart of our national companies, to how it's contributing to the realization of Saudi Vision 2030. By the time you finish reading this guide, you will have a deep and confident understanding of: Your comprehensive guide to understanding AI: How It's Changing Saudi Arabia's Future Today, Not Tomorrow Artificial Intelligence is no longer just a term we hear in science fiction movies or read about in futuristic novels; it has become a tangible reality that permeates every detail of our lives, especially here in the heart of the Kingdom of Saudi Arabia. As the Kingdom accelerates towards realizing the ambitious goals of Vision 2030, AI is emerging not as a supplementary tool, but as a key driver and the backbone of [...]

Artificial intelligence

03.11.2025

Artificial Intelligence pdf: A comprehensive understanding of the history, types, and applications of artificial intelligence in the Arab world

Why are you looking for "Artificial Intelligence pdf"? In a time when artificial intelligence (AI) has become part of our daily lives, individuals, educational and business organizations are increasingly interested in understanding this complex field. You may have wondered: If these questions are on your mind, you're not alone. Many are looking for a comprehensive and easy-to-understand PDF that combines theory with real-world applications, rather than reading scattered articles or complex specialized studies. In this guide, you will find a comprehensive analysis of AI from the roots to the future, including: By reading this article, you will not only gain a rich body of knowledge, but also a practical insight that will enable you to assess your own or your organization's readiness to adopt AI effectively and securely. What is Artificial Intelligence? Definition and Historical RootsWhat is Artificial Intelligence? Definition and Historical RootsAI refers to systems capable of prediction, decision-making, or content generation through algorithms that learn from data and improve their performance over time. Historically, the idea started with Alan Turing's question: "Can a machine think?" Then came the 1955 proposal for the Dartmouth Summer Project that coined the term Artificial Intelligence, followed by the Dartmouth Workshop in the summer of 1956; since then there have been boom and bust waves. Today, AI is not limited to pre-programmed rules, but is based on machine learning, deep learning, and generative models that produce text, images, audio, and video. [...]