[official]mawhiba-rabit

15.11.2025

Everything you need to know about Google's artificial intelligence: From Gemini to DeepMind and how it serves Saudi Vision 2030

Introduction: Your comprehensive guide to deciphering Google AI and its applications in the Kingdom You may have noticed that the term "Google AI" is popping up everywhere, from your internet searches to your smartphone. But with names like Gemini, DeepMind, and AI Overviews, you might be a little confused. You may wonder: "What exactly are these technologies?", "What's the difference between all these names?", and "How will these tools actually affect my daily life and business here in Saudi Arabia?" You are not alone in this feeling. The accelerating pace of innovation can make it difficult to keep up. In this comprehensive guide, we're going to unravel the confusion. We'll take you on a step-by-step journey to fully explore the world of Google AI. By the end of this article, you'll have a clear understanding of: Whether you're a casual user looking to understand change, a business owner looking for growth opportunities, or a developer looking to build the future, this article is your perfect starting point for understanding all things Google AI. We start from the basics: What is Google AI and how to deconfuse it from Gemini? Before diving into the tools and applications, it's essential that we lay a solid foundation and clarify the most common terms. Understanding the differences between these names is the first step towards internalizing Google's entire AI strategy. H3: Terminology Roadmap [...]

Finance

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 [...]

Finance

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 [...]

License

15.11.2025

MOS certification: A step-by-step guide to getting Microsoft Office Specialist in Saudi Arabia

Introduction: Are you looking to prove your Microsoft Office skills and gain a competitive advantage in the job market? In Saudi Arabia's modern work environment, digital skills have become an essential requirement, and mastering programs like Word, Excel, and PowerPoint is no longer an option, but a necessity for every employee and student seeking to stand out. While many people use these programs on a daily basis, only a few have official Microsoft-approved proof of their proficiency - and that's where the MOS (Microsoft Office Specialist) certification comes in. In this article, you'll learn step-by-step about: By the end of this guide, you'll be able to build a clear plan to get your MOS certification, and use it as a real tool to increase your chances of getting hired and promoted in your career. Why has MOS certification become an essential requirement in the labor market? Digital transformation and Vision 2030: How MOS certification opens doors of opportunity The Saudi labor market is undergoing a vast digital transformation within the framework of the Kingdom's Vision 2030, which aims to build a knowledge- and technology-based economy. In this context, digital competencies have become one of the most important requirements for employment in the public and private sectors. Mastering Microsoft Office programs is no longer an add-on skill, but a key benchmark for measuring productivity and professionalism. The MOS certification has emerged as an official, globally recognized proof of an individual's ability to use Office tools efficiently, opening the door to careers in management, accounting, education, [...]

Finance

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 […]

Finance

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 [...]

Finance

15.11.2025

Oil prices: Your guide to understanding their impact on the Saudi economy, your 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 [...]

Finance

25.10.2025

US election 2024: Trump or Harris? A comprehensive analysis of its impact on Saudi Arabia and the Middle East

What does Donald Trump's victory in the 2024 US election mean for you? Your guide to understanding the impact on your investments and regional security Following Donald Trump's victory in the presidential election, are you wondering how his upcoming administration will affect oil prices and your investments? Are you concerned about the future of Saudi-US relations and security in the Gulf region? Are you looking for a clear and neutral analysis to understand how Donald Trump's victory will affect the Kingdom's interests? If these questions are on your mind, you've come to the right place. This article is not just a news story, it is your comprehensive guide tailored specifically for the reader in Saudi Arabia. By reading this analysis, you will gain a deep understanding and insight into the possible repercussions of the results of this fateful election. We analyze the President-elect's policies and reveal the tangible impacts his administration could have on your economy, your business, and the security of your region, giving you the insight you need to prepare for the future. U.S. Election 2024: How Trump's victory affected Saudi Arabia and the world? The entire world, and the Middle East in particular, had its eyes on the 2024 US presidential election. This was not just a domestic political process that concerned only American citizens, but a global event with profound and direct implications for the global economy, geopolitical stability, and, of course, the future of Saudi Arabia and the dynamics of the region. The heated competition between former President Donald Trump, who sought to return [...]

Finance

15.11.2025

Options trading in the Saudi market: Your Complete Guide to 2025

Options trading in the Saudi market: Your Complete Guide to 2025 Welcome to your comprehensive, step-by-step guide to options trading on the Saudi Stock Exchange. If you're looking for an advanced investment tool that can give you opportunities for high returns, or a way to protect your portfolio from market volatility, you've come to the right place. In recent years, the Saudi derivatives market has grown significantly, and single stock options have become available to a larger number of listed companies, opening up new horizons for retail and institutional investors alike. This guide is designed to take you from a beginner who has no idea what options are, to an informed investor who understands their mechanics, benefits, risks, and how to trade them effectively and safely within the Saudi market. We will break down complex concepts into simple and clear explanations, and provide you with practical steps to start your investment journey. Whether your goal is to speculate for quick profits or hedge against future risks, a deep understanding of options contracts will give you a significant competitive advantage in the investment world. Get ready to discover how this powerful financial instrument could change your entire investment strategy in 2025. What are options contracts? A simple explanation for investment beginners To make it as simple as possible, imagine that you want to buy a piece of land that you expect to rise in price over the coming months, but you don't have the full amount right now. [...]

Finance

19.10.2025

Tesla (TSLA) stock: Comprehensive analysis, 2025 price forecast and your guide to investing from Saudi Arabia

Thinking of investing in Tesla stock? Everything you need to make your decision in one place Are you confused about Tesla stock? You may constantly hear that it is the "stock of the future" and the company that will lead the AI and robotics revolution, but at the same time you read about the fierce competition from China and concerns about its high valuation. You may be wondering: Is it too late to invest in Tesla? Is it an opportunity to buy now in 2025 or is it a price "trap"? More importantly, as an investor in Saudi Arabia, you may wonder: "How do I start investing in it? What are the best platforms? Is it halal and Shariah compliant?" If these questions are on your mind, you've come to the right place. We understand that deciding on a volatile and controversial stock like Tesla can be confusing. That's why we've put together this comprehensive guide. By reading this article, you will: By the end of this guide, you'll be equipped with the knowledge to assess whether Tesla stock fits your investment goals, and how to take your next step with confidence. Tesla Stock (TSLA): The Ultimate Guide to Investing and Price Predictions for 2025 Tesla stock (Tesla, Inc. - TSLA) is more than just a stock in a car company; it's a cultural phenomenon and a bet on the future of technology. Led by Elon Musk, Tesla has revolutionized the electric car industry, but its massive market capitalization reflects ambitions far beyond that, to include