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Support Emiratis in repaying loans, UAE warns banks

Support Emiratis in repaying loans, UAE warns banks Nissar Hoath / 23 January 2014 Banks that do not support Emiratis to get their heavy debts cleared under a programme initiated by the President to be penalised. The Office of the Presidential Affairs on Wednesday warned that banks which fail to cooperate and help heavily indebted Emiratis will be penalised. “Those banks that do not support Emiratis to get their heavy debts cleared under a programme initiated by the President, His Highness Shaikh Khalifa bin Zayed Al Nahyan, in 2011 will also be penalised,” said Ahmed Jumma Al Za’abi, Deputy Minister of Presidential Affairs and Chairman of the Fund for the Settlement of Bad Debts, at a Press conference after the opening of the fund headquarters in Al Jazira Club complex where Emiratis can visit and submit their applications for their bank debt waivers. Al Za’abi said so far the fund has helped 2,700 out of 6,000 applicants clearing debts of over Dh1.8 billion with the support of banks. “More than 50 per cent of the banks operating in the country have been very helpful and providing concession to help clear the loans of Emiratis under the fund programme. The other banks have been little helpful. However, if we don’t see any cooperation from these banks, action will be taken against them and (they will be) penalised,” he said without disclosing the names of the banks that did not take part in the initiative. He also said in case of non-cooperation, the names of the banks will be sent and published by the Central Bank, and there will be no cooperation and support from the government to these banks. Al Za’abi further added the fund has agreed to write off 50 per cent of the debtors’ loans, while the other half would be settled by the loans’ fund that would be reimbursed from the debtors through their salaries. He also said the fund was initiated by the President in 2011 with the allocation of Dh10 billion to help those Emiratis who were facing lawsuits or police cases related to their bank loans. To a question, Al Za’abi said the fund was established for the support of UAE citizens only and expatriates will not benefit from it. He also said under the fund programme, all criminal cases pending in connection with bounced security cheques and non-repayment of loans by Emiratis have been suspended and debts cleared. Al Za’abi, said most of the cases relate to, personal and car loans and loans sought for setting up small businesses. In March last year, the Shaikh Khalifa Fund for Enterprise Development signed a joint deal with 34 defaulting Emiratis entrepreneurs to protect them from prosecution. The fund was established in 2007 with a Dh2 billion fund. nissar@khaleejtimes.com For more news from Khaleej Times, follow us on Facebook at facebook.com/khaleejtimes , and on Twitter at @khaleejtimes Continue reading

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Akhdam: A look into lives of Yemen’s untouchables

Akhdam: A look into lives of Yemen’s untouchables 22 January 2014 For hundreds of years, a group of people living mostly along Yemen’s coastal areas have been regarded as lower than dogs. Reporter Amanda Fisher and photographer Leslie Pableo visit the communities of Akhdam to find out whether government assurances of equality are more than just lip service. The American Civil Rights movement was victorious decades ago, apartheid consigned to the ranks of history, and India’s caste system outlawed. We are living in a generation where the international law of human rights supposedly reigns supreme. But, close to home, thousands of Yemen’s marginalised “untouchables”, the dark-skinned Akhdam people (‘servants’ in Arabic), sweep streets and beg for money by day, slinking back to their slums at night. View of a Sana’a Akhdam slum. -KT photo by Leslie Pableo As we drive to our first slum, I am struck by how salubrious everything appears – until I step out of the car. We are greeted by a dense fog of sewerage and humanity, looked upon as alien by suspicious eyes. As we get closer, cracks begin to show in the rows of low-slung Arabic dars. Broken windows into shattered lives. The first woman I talk to, Saad Al Waisai, tells me the community  — who prefer to be called ‘the marginalised ones’ — were forced to relocate to this outlying area of town by the government seven years ago to make way for new roads. An inspection of her squalid three-bedroom home reveals no furniture, beds, bathroom, running water or appliances, save – oddly – for a broken washing machine sitting in the hallway. The stark rooms measure about nine metres squared, each sleeping between nine and 10. “The old house was big but the government gathered us and put us in a small house and put us with two other families.” We have visited on Islamic New Year, which explains why so many people are milling around outside in the mid-afternoon sun. We are surrounded by dozens of curious residents, making it difficult to tell who lives in the house and who is an interested onlooker. The community numbers about 1500 similar houses, with between 15 to 30 people living in each. Saad’s teenage son – one of her 10 offspring – has been the main breadwinner for the household since her husband died five years ago, somewhere between the age of 40 and 50; they don’t really know. The man’s death certificate shows he died from kidney and liver failure, one of the realities, Saad says, of a life drinking the fetid ground water. Saad’s son sweeps the Sana’a streets each day from 6am to 5pm, hauling in a wage packet of 27,000 rials (Dh460) each month. Today is a rare day off. “It’s a special day here and I get to be with my family.” The rest of the family asks “rich people” for money, scraping together between 300 to 500 rials every day to supplement the income. Is it difficult to make ends meet?  With the characteristic philosophy of those born with nothing, Saad tells me: “As long as your bed is, stretch your legs”, adding “we haven’t got any choice”. She says rife government corruption means the aid donated by international charities hardly ever reaches them. “If an organisation gives us aid, the government takes it from us.” The daily diet consists of rice and water. Meat is not an option. “Almost every day we are suffering from hunger.” The living conditions almost certainly contribute to widespread poor health. Another woman, Samer Rasid, who lives in one of the rooms with her husband and seven children, shows me an ultrasound scan. Several weeks ago she learned she has an ovarian tumour. “I had been sick and I thought it was serious.” She had been bleeding vaginally for a year before she got to hospital. The diagnosis is one thing, but now she says she cannot afford the cost of the medicine needed to treat the cancer. “I’m worried about myself, but I’m more worried about my children,” she says through tears. “I have no food (but) my mother is still strong and can go outside and ask for money.” She says if something does happen to her, she hopes her mother will take care of the rest of her young family. Education does not appear to be offering much of a golden ticket, either. “(Our children) go to school, but it’s useless. They go and come back without any education.” Yemen’s Sawa’a Organisation for Anti-Discrimination is a local organisation fighting for better rights for the marginalised communities. Executive manager Ashwaq Aljobi tells me while the official estimate of the population is about 1.5 million, his organisation, through field visits, estimates there are more than 3 million. He says the men in these communities, situated primarily in Sana’a but also in Abyan, Hodida, Hajja and Taiz, usually have multiple wives – married young, producing many children, and causing rapid population expansion. Just how these Arabic-speaking Muslims came to reside in the country is up for debate, though they have been there for centuries. The organisation says it is likely they are ancestors of the Al-Ahbash tribe, originating from modern-day Ethiopia, who took control of Yemen in 525AD assuming native Yemenis as slaves. This prompted resistance groups which toppled Al-Ahbash and forced them, in turn, to become slaves – where they have stayed. While the plight has probably been one of the longest humanitarian issues in the country, it is by no means at the top of the agenda for a government fighting wars on many fronts. Orgsnisation head Fouad Alalawi says the Akhdam are a minority in the country of about 24 million, which kneecaps their progress. “When their issues are compared to other issues in Yemen, the government gives priority to issues relating to the majority…such as displaced people from internal wars, refugees from African countries and others like Syrians, as well as (dealing with the threat of) terrorism…so their historic exclusion remains constant, (while) the government does not absorb them officially, only in the cleaning sector.” The government denies there is any policy of discrimination toward the group, and has even said the reason they are not significantly represented in any other occupation than cleaning is because they are unreliable. “One day a Khadem (singular form of Akhdam) may wake up to find that his car won’t start, so he will spend the day fixing it instead of going into work,” the assistant deputy mayor of Sana’a, Mohammed Al Eryani, told the UN humanitarian news agency IRIN last year. Alalawi says the fact hygiene work in the country, such as street sweeping, is the almost exclusive domain of the Akhdam makes them feel unfairly treated by government, as well as private industry.  The government has little interest in the group and “their presence among this group is confined to election seasons,” Aljobi says. And while others in Yemen may feel for the community, few are doing anything to actively change preconceptions – one of which runs in the form of a popular saying: “Clean your plate if it is touched by a dog, but break it if it’s touched by a Khadem”. Aljobi says while some Yemenis have praised the peaceful protests of the Akhdam community and recognise the community’s rights, “if we come to the truth, those people themselves may refuse to allow their children to play with children of the marginalised or allow the marginalised to live in their neighborhoods or to inter-marry”. He says the only way to break the cycle is to make education for the marginalised community’s children compulsory – a fundamental mission of his organisation. While the Akhdam community has the same equality of access to public education as the rest of the population, he says most do not make education a priority. “The spread of poverty and illiteracy among this category to a great extent make them content with educating their children to the first grades only, then the head of the family pushes his sons to work, beg or go to neighboring countries in search of (a better) living.” Instead, the largely uneducated population are sitting ducks for Yemen’s many criminal gangs or, worse, terrorist recruiters like the Al Qaeda in the Arabian Peninsula (AQAP), which has a stronghold in the country – a frequent target of American drone strikes. “As this group suffer complete social isolation, reinforced by building housing units separated from the community and limiting them in specific sectors of work, education will bring good qualifications through which they can get jobs in new sectors that may bring some sort of integration of this group and contribute to its development…Without a focus on education for this group we will continue moving in the mirage,” Aljobi poetically states. Back at the slum, Saad does not have much to believe in. “We believe in God to save us from this life…but the Yemen government is useless.” I ask Saad what she sees when she looks into the future. “It’s dark. We have no hopes, we have no dreams. We expect only death.” amanda@khaleejtimes.com For more news from Khaleej Times, follow us on Facebook at facebook.com/khaleejtimes , and on Twitter at @khaleejtimes Continue reading

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Dubai tram test run to continue till November 10

Dubai tram test run to continue till November 10 Lily B. Libo-on / 22 January 2014 Powered by electricity to reduce the pollution, tram to be the fastest, more reliable, and eco-friendly way to get around. The testing of Dubai Tram, a rail vehicle that will run heavily on tracks along streets spanning 10.6 kilometres from Dubai Marina to Al Sufouh, begins at Zone 1 on January 26. Tracks being laid of Al Sufouh Tramway from Dubai Marina. – KT photos by Rahul Gajjar The Dubai Tram, which measures 44 meters in length, with fully air-conditioned carriages designed as a combination of luxurious interiors and state-of-the-art technology, will go for testing on January 26 for Zone 1, April 16 for Zone 2 and June 14 for Zone 3 and will continue until November 10. However, during the testing, Dubai Tram will not be open to passengers. A part of Dubai Government’s effort to provide a modern and integrated public transit system to efficiently serve densely populated areas and new developed areas in the emirate, Dubai Tram will also have allocated spaces for passengers using wheel chairs or mobility aid. “This area is marked with a wheelchair symbol and will have special marked call buttons that allow passengers using wheelchairs or mobility aids extra time to get in and out of the Tram. It will also have access ramps for mobility-impaired passengers, including people in wheelchairs, parents with prams and the elderly,” RTA said. Designed to be an environment-friendly transportation, the Dubai Tram is expected to be the choice of residents, who will leave their cars at home and take the Tram, to go around Dubai. It is powered by electricity to reduce the pollution from the daily traffic jams, making it the fastest, more reliable, and eco-friendly way to get around. RTA said the Dubai Tram has a maximum speed of 50km/hour with a total trip time of 42 minutes and with a capacity of 405 passengers who will be aboard the four cars for the silver class, two cars for women and children, and one car for the gold class. “Dubai Trams are quiet and run on much wider tracks so they cannot swerve to avoid obstacles. It will be running along seven stations such as Jumeirah Beach Residence 1, Jumeirah Beach Residence 2, Jumeirah Lakes Towers, Dubai Marina Mall, Dubai Marina, Marina Towers, Mina Seyahi, Media City, Palm Jumeirah, to Knowledge Village and Al Sufouh,” the RTA said. The Dubai Tram system is integrated with Dubai Metro system at two stations in Dubai Marina and in Jumeirah Lakes Towers. “Footbridges provide a direct link between the two adjacent Tram and Metro stations for a smooth and seamless interchange for passengers between the two systems. To top it all, Dubai Tram stations are designed to be in harmony with the Metro stations reflecting the region’s art and ethnic heritage yet set in urban context. Designs are in five different styles, either at ground level or elevated, at roadside or at the median. — lily@khaleejtimes.com For more news from Khaleej Times, follow us on Facebook at facebook.com/khaleejtimes , and on Twitter at @khaleejtimes Continue reading

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