[official]mawhiba-rabit

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

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 [...]

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

02.12.2025

Options trading in the Saudi market: A comprehensive beginner's guide with practical steps for 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

Finance

15.11.2025

Investing in Saudi stocks: Your comprehensive guide to start your investment journey in 2025

Investing in Saudi stocks: Your comprehensive guide to start your investment journey in 2025 Are you looking to grow your money and achieve your financial goals? Do you hear about success stories in the stock market and wonder "where do I start?" If so, you've come to the right place. Saudi Arabia's economy is undergoing historic transformations as part of Vision 2030, opening up promising investment prospects on the Saudi Stock Exchange (Tadawul), one of the largest financial markets in the Middle East. This comprehensive guide is tailor-made for you, the novice investor in 2025, as we take you step-by-step from scratch, demystifying the world of stocks and giving you the knowledge and confidence to start your investment journey. We'll cover everything from basic concepts like "what is a stock?" to how to make your first purchase, to understanding risk and how to manage it smartly. You don't need any prior experience, all you need is a desire to learn and start building your financial future. Stocks for beginners: Everything you need to know to get off to the right start Before diving into the details of the Saudi market, it's essential to build a solid foundation of understanding. The world of stocks may seem complicated and full of jargon, but its core is simple and accessible to everyone. In this section, we will simplify key concepts to ensure you start your journey on solid ground. Together we'll learn what it really means to own a stock, why the markets are

Finance

19.10.2025

Investing in Nasdaq : Your complete guide from zero to professional for the Saudi investor

Thinking about investing in Saudi Arabia? Start your journey here Do you constantly hear about the rise of tech giants like Apple and Microsoft, and ask yourself: "How can I be a part of this growth in Saudi Arabia?" Maybe the name "Nasdaq" comes up a lot, but you're confused about what exactly it is, how to safely start investing in it, and whether it aligns with your principles. You're not alone, and this comprehensive guide is written just for you. Over the next few minutes, we'll take you on a simple, clear journey that will answer all your questions. You will learn: By the end of this article, you will not only have a clear idea of the Nasdaq world, but you will have the confidence and knowledge to make your first investment move with confidence. Nasdaq for the Saudi investor: Why all the interest? The appeal of Nasdaq: Why are investors in Saudi Arabia turning to US tech stocks? In recent years, we have seen a marked increase in the interest of investors from Saudi Arabia in the US markets, specifically the Nasdaq. This trend is not a coincidence, but rather the result of several complementary factors. First, Nasdaq is a direct gateway to investing in the world's largest technology and innovation companies such as Apple, Microsoft, Amazon, and Alphabet (Google). These companies not only dominate the global economy, but have become an integral part of our daily lives, making investing in them both understandable and attractive. Secondly, in line with [...]

Finance

19.10.2025

The Ultimate Dow Jones Guide for Beginners in Saudi Arabia 2025: What is it and how to invest in it step by step?

You hear about the Dow Jones every day? It's time to understand its meaning and invest with confidence Do you follow the economic news and hear the term "Dow Jones" repeated constantly, and are curious about what it really means? Are you wondering "Why does the whole world care about its ups and downs?" and "How can I capitalize on its movements to achieve my financial goals?" If these questions are on your mind, you're in the right place. This comprehensive guide is tailor-made for you, the aspiring investor in Saudi Arabia who wants to understand one of the world's most important stock indices and start investing in it with confidence. By reading this article, you'll get clear and simple answers to everything you need to know: We'll start from the basic definition and history of the index, review its benefits and risks, and then move on to a practical and detailed explanation of the three main investment steps and the most important strategies you need as a beginner to protect and grow your capital. Get ready to turn this mysterious term into a real investment opportunity in your hands. What is the Dow Jones Index? Your guide to understanding the world's most important index Before diving into the details of investing, it's essential to build a strong foundation of understanding. The Dow Jones isn't just a number on a trading screen, it's the story of the US economy told in the language of numbers. Let's dive into what it is and why it deserves your attention as a Saudi investor. Why should a Saudi investor care about the Dow Jones Index?