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Tuesday, September 04, 2018

Saudization of 2 Sector in Saudi Arabia, to Affect 60,000 Expats?






The Kingdom of Saudi Arabia wants to open more job opportunities for its local citizen with an aim to cut down unemployment and create more jobs for their qualified residents. According to Shoura Council member Saeed Bin Qasim Al-Khaldi Al-Maliki, there is a need to open more job opportunities for their own nationals and lessen the expat-dependency especially in health and education sector where there are 60,000 jobs occupied by expats!  "We should not depend on these jobs on the non-Saudis forever while we have qualified Saudis who are capable of doing perfectly the jobs not only in these two sectors but in all other fields," he said.  With this, he is pushing for nationalization of educational jobs in Saudi Universities. He added, there are many Saudis with Masters and Ph.D. degrees who can take over the jobs of many foreigners.  According to Al-Maliki, there were 60,000 jobs in the sector of education and health currently occupied by foreigners. These jobs he said, is open for nationalization. Aside from this, he said that there are 41,000 non-Saudis being employed by the government and the Kingdom should not depend on expats in terms of its local employment.  Al-Maliki confirms that there are a large number of qualified Saudis who are capable of working in the health sector. This plan is a part of Saudi's Vission 2030 that seeks to reduce the overall unemployment rate from 11.6% to 7%, overhaul the education system and increase the female participation rate from 22% of the workforce to 30%. Part of this is to create 450,000 new jobs for Saudis by 2020.
The Kingdom of Saudi Arabia wants to open more job opportunities for its local citizen with an aim to cut down unemployment and create more jobs for their qualified residents. 


According to Shoura Council member Saeed Bin Qasim Al-Khaldi Al-Maliki, there is a need to open more job opportunities for their own nationals and lessen the expat-dependency especially in health and education sector where there are 60,000 jobs occupied by expats!

Read: List of 34 Jobs OFWs Cannot Apply For in Saudi Arabia This 2018

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"We should not depend on these jobs on the non-Saudis forever while we have qualified Saudis who are capable of doing perfectly the jobs not only in these two sectors but in all other fields," he said.

Read: 8 Changes in Saudi Arabia OFWs Will Experience This 2018
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With this, he is pushing for nationalization of educational jobs in Saudi Universities. He added, there are many Saudis with Masters and Ph.D. degrees who can take over the jobs of many foreigners.

The Kingdom of Saudi Arabia wants to open more job opportunities for its local citizen with an aim to cut down unemployment and create more jobs for their qualified residents. According to Shoura Council member Saeed Bin Qasim Al-Khaldi Al-Maliki, there is a need to open more job opportunities for their own nationals and lessen the expat-dependency especially in health and education sector where there are 60,000 jobs occupied by expats!  "We should not depend on these jobs on the non-Saudis forever while we have qualified Saudis who are capable of doing perfectly the jobs not only in these two sectors but in all other fields," he said.  With this, he is pushing for nationalization of educational jobs in Saudi Universities. He added, there are many Saudis with Masters and Ph.D. degrees who can take over the jobs of many foreigners.  According to Al-Maliki, there were 60,000 jobs in the sector of education and health currently occupied by foreigners. These jobs he said, is open for nationalization. Aside from this, he said that there are 41,000 non-Saudis being employed by the government and the Kingdom should not depend on expats in terms of its local employment.  Al-Maliki confirms that there are a large number of qualified Saudis who are capable of working in the health sector. This plan is a part of Saudi's Vission 2030 that seeks to reduce the overall unemployment rate from 11.6% to 7%, overhaul the education system and increase the female participation rate from 22% of the workforce to 30%. Part of this is to create 450,000 new jobs for Saudis by 2020.
According to Al-Maliki, there were 60,000 jobs in the sector of education and health currently occupied by foreigners. These jobs he said, is open for nationalization. Aside from this, he said that there are 41,000 non-Saudis being employed by the government and the Kingdom should not depend on expats in terms of its local employment.


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Al-Maliki confirms that there are a large number of qualified Saudis who are capable of working in the health sector.

Read: No more Filipino and Expat Workers in Saudi Arabia Malls?


This plan is a part of Saudi's Vission 2030 that seeks to reduce the overall unemployment rate from 11.6% to 7%, overhaul the education system and increase the female participation rate from 22% of the workforce to 30%. Part of this is to create 450,000 new jobs for Saudis by 2020.



This article is filed under Saudization, Filipino workers, Saudi jobs, local employment, international employment, Saudi expatriates, and education system.

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In spite of earning big while working abroad, there are times that Overseas Filipino Workers (OFWs) fall short financially due to the many expenses they need to paid or provide for family back home. With Personal Loan from different banks in the Philippines, OFWs may have additional support for the financial needs of the family aside from their monthly salary.  OFW's personal loan may serve many purposes in life. It is a big help if you are doing some upgrades or home renovation. You can also use the money to pay for your children's tuition or education. Other's apply personal loan for a family's dream vacation or for a medical emergency.  Whatever your purpose in applying, here are five best bank in the Philippines that offers a personal loan for OFWs including seafarers.  1. BDO  OFWs can apply for BDO personal loan thru its Asenso Kabayan Program.  Qualifications:  At least 25 years old but not more than 65 years old upon the maturity of the loan At least 2 years employed abroad for skilled workers (3 years for domestic helpers/seaman/unskilled workers) Gross monthly income must be P20,000 or its US$ equivalent  Loanable Amount — P10,000 Loan Term: Minimum of 6 months Maximum of 36 months  Requirements: Photocopy of the latest BIR Form 2316 Original Certificate of Employment and Income (COEI) issued in the last three (3) months indicating status, length of service and breakdown of compensation Photocopy of last full month payslip Photocopy of at least two (2) valid IDs  How to Apply:  You may submit your application at any of BDO branches nationwide. For OFWs abroad, you may download the forms from bdo.com.ph   2.  Bank of the Philippine Island (BPI)  If you are an OFW, BPI has a Personal Loan for you!  Qualification: Must be 21 years old and above to apply and not more than 60 years old upon loan maturity Working abroad for at least two years and earning a minimum of P30,000 per month  Loanable Amount — P20,000 to P2 million Loan Term: Minimum of 12 months Maximum of 36 months  Requirements:  1. Two (2) valid government-issued photo-bearing IDs  2. Proof of income documents:  Agency-based:  - Latest and unexpired signed POEA contract; OR  - Employment contract with boarding date  For Direct Hire - Latest 3 months Proof of remittance  - Latest and Unexpired POEA Validated Information Sheet; OR  - Latest POEA Overseas Employment Certificate (OEC) AND latest Employment Contract   (In lieu of OEC print-out: OEC Exemption Screenshot with OEC BM Online Profile); OR - Consularized COE (If remitter is a permanent resident in the country)  How to Apply Completely fill out the application form Scan and email your documents to personal_loan@bpi.com.ph Wait for the email verification that the bank receives your application

Many people believe that opening and starting a sari-sari store is an easy thing to do. But have you asked yourself a question why many sari-sari stores struggle to survive and eventually closed after a few months of opening? Many of us think that all we need is a capital in starting a sari-sari store. But honestly, money is not only we need. There are many things we have to consider in starting a sari-sari store and manage it successfully. If we run it well a sari-sari store is a good additional source of income for a family.  If you are planning to open a sari-sari store, consider this 10 things that may help you in running your store successfully. If you already have a sari-sari store but struggling on it, this tips may also help you.  1. Your Store Location!  This is very important in all types of business. When starting a sari-sari store, consider first your location. Opening a sari-sari store next to or in front of your house is a good idea since you can save from paying rent. But make sure this place is located in a busy neighboorhood that can give you more potential customers. Also consider opening a sari-sari store in a place that is near in school vicinity, town plaza, public terminals o boarding houses.  2.  Start Selling With Basic Items  When starting a sari-sari store, even a mini one, start with the basic items depending on your location. If it is in front of the school, you may sell school supplies together with snacks, candies, soft drinks and varieties of chichiria. If your store is located in the middle of a residential area, you may sell, cellphone load, laundry powder, canned milk, and condiments. Many sari-sari stores start with a small capital, so the target here is to sell your product fast to roll your capital faster. In this way, you can grow your business easily and you can quickly establish a connection with your customers.   3. Set out your price carefully  Compared to supermarkets, the price of sari-sari store products is a little bit higher. To maintain your customer, try not to set a too high-price on your goods especially if you are competing with existing store nearby.  With reasonable prices, your customer will be loyal to you and patronage your business in the long run.  4.  Treat the sari-sari store as if it is not yours  Even if it is yours, but as the one who manages, you should be very careful and honest with the inventory, the cash flows, and earnings. You have to make sure that cash on hand matches the items sold for the day. You and your family members must pay for whatever items they take or consume from the store.  Consuming your goods without paying for them will not only diminish your display, but it will also shrink your capital. Remember this is business and you have to implement such things to make sure you have an income to buy supplies you need for your store.  5.  Take only the profit  Almost all the sari-sari store starts with a humble beginning. But if you want to grow your mini-store, take only the profit on your earnings. Know the "rule of thumb". Set aside the 10 percent of day's earning. For example, in a day, you sold P500 worth of goods, take away P50 as your profit. Taking only the profit ensures the rest of your capital in the inventory. With this, you can also realize how big or small is your profit is and be more motivated in slowly growing your business.  6. Maintain the quality of your products  Watch out if you are selling perishable goods or fresh products such as vegetable or meat.  Make sure they are not expired, rotten or damage when you sell it to your customers. You won't like it when a customer is asking for a refund while returning a rotten egg or decaying vegetables.  Cookies, chips, and biscuits should be displayed away from direct sunlight. Check for ant infestations on noodles, candies and chocolates and other products that may attract ants. Discard rotten vegetables that are unpleasant for the customer's eyes.  7. Watch out for seasonal items  There are products that are sold quickly during a certain period of the year so you have to take note of these items. For example, during the school opening, you have to stock-up school supplies if needed. Beer and a lot of alcoholic drinks, soft drinks,  ingredients for spaghetti or macaroni salad during fiesta or Christmas season. Candles and matches during All Souls Day and so on.   Take note also for products for the rainy season such as noodles, champurrado, and coffee while juice drinks, and ice candy, lemonade, and other refreshments on summer days.   8. "Credit is good but we need cash"  If you want your sari-sari store to survive and grow, you have to impose "No Credit Policy". Many people may not like this idea but, without money, you cannot buy new goods to sell. Credit is also one of the many reasons why many sari-sari stores in the country do not prosper or eventually closed down. All you need here is to explain to your customer that every peso counts on your daily profit and you need the money to roll out your capital.  9.  Develop a friendly attitude  In a sari-sari store, your neighbors are your most common customers. They can be loyal customers if you treat them warmly. Smile even you are tired and be ready to serve them, regardless of the number of goods they buy from you. Say thank you and make sure they get the right products and give the exact change.  10. Register your business  Registering your sari-sari store makes your small business more credible and more trustworthy. Those business certificates will tell your customers that you are complying with the laws. Good luck with your sari-sari store business!


Worrying is a part of the life of many Overseas Filipino Workers (OFWs) while working far away from their families. Being miles away from the people you love is not easy especially if you are a father or a mother to young children. Aside from missing home, worrying is one thing that keeps OFW awake every night thinking about the situation of their loved ones back home.  It is normal to be worried especially you are far away from your family, but it is also important to do some things so that you can live a worry-free life while working abroad.  1. OFWs are often worried about getting sick and not having enough savings for a medical emergency.  As an OFW we are worried that we might get sick while working abroad. Being sick far away from the family is one of the worst feelings in the world because no one will take good care of you. Aside from this, getting sick or being ill will affect the people that depend on you back home.  Avoid sickness while working abroad by eating healthy, take vitamins and get exercise or any physical activity. Get yourself checked by a doctor once in a while as important steps to lessen your worry about getting sick. Getting health insurance will also help you prepare for unforeseen medical expenses. Getting these things will help you focus on getting better while working without worrying about your health.  2. As an OFW, you should be motivated to live with a healthy lifestyle  What is the main reason why you are working abroad? Is it your family? Is it your goal to have a house or a small business for your parents? As an OFW, there are many things we want to achieve while working abroad. But we cannot do all these things if we are not healthy. Practicing a healthy lifestyle is a big help in attaining our goal. Make a specific goal for your healthy lifestyle. For example, you want to have a target weight. Focus on it and have a better diet. Always remember that healthy lifestyle reduced many diseases, such as heart disease, high blood pressure, diabetes, and stress among others.   3.  Maintain a long-distance relationship!  One of OFW's greatest challenge is how to maintain a healthy and happy long-distance relationship, whether you are a parent, a child, or a sibling. But with the use of technology nowadays, maintaining long-distance relationships is not that hard. As a family, you can set up a group chat or video calls on the agreed schedule. With this, you will not miss some important occasions back home even just on the screen of your phone.   If you are a parent OFW, talk to your children regularly and be involved in their lives even you are far away. Constant communication with your children will play a very important role while they are growing up. Talk to them and explain to them why you are working abroad. Staying connected with your family is comforting and uplifting even your are far and physically apart.  4.  Save!  One out of 10 OFWs is financially broke and eight out of 10 OFWs returned to the Philippines without savings. While earning big, it is important for OFWs to know how to save for their own retirement or for medical emergencies at home. With enough savings, you can start a small business for your family to have extra income. You can also invest your hard-earned savings into something that will return the investment after a few years. In saving money, you should not send all your salary to your family back home.   Practice the popular phrase "Pay Yourself First" which means you have to save something for yourself first from each paycheck at the time you received your salary before spending it. With enough savings, you won't worry about what to do in the Philippines if you are no longer capable of working abroad.  5. Prepare for Your Retirement  We always say this, working abroad is not forever. That is why it is important to think and prepare for your retirement even if you are just started working abroad at the age of early 20s. OFW life does not guarantee that still, you will be able to work after 10 or 20 years from now. Nowadays, there are many OFWs still working in spite of retirement age due to lack of savings or lack of retirement fund.  Prepare for your retirement by building a retirement fund if possible. If your retirement plan is at hand, you can retire earlier than expected and do the things you love for the rest of your lives.



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