Overseas Pakistanis should be given more incentives to prompt them to send remittances home through legal channels, according to Hassan Raza, head of structured credits and global remittance business at Habib Bank.
In Saudi Arabia and the UAE, the construction sector is booming and they are hiring workers from Pakistan.
According to the official statement, they have a plan to hire 500,000 more labors. It would ultimately enhance the remittance volume to Pakistan.
Some important measures need to be taken to educate labors to send their remittances legally, Raza told Arab News in an exclusive interview.
Excerpts:
As you said, there is a need to boost remittances. So, what measures are you going to take to achieve the four to five million Pakistani rupee remittance target?
For this, we will have to take two to three important measures. Initially, there is a need to educate people to send their remittances legally. This will be beneficial to them. Furthermore, nobody will ask them the source of their money. Still, people send their money through illegal ways, but with persuasion from the State Bank, PRI and scheduled banks, the number of legal remittances are growing gradually. There is also a need to raise awareness among laborers. As they leave Pakistan for jobs, they should always adopt legal ways to send their remittances. The labors are mostly recruited through government agencies or government authorized agencies, but once they go they get trapped by illegal agents there.
Is it possible to offer incentives in air tickets or other travel facilities for the relatives of overseas Pakistanis here?
Exactly, you are right. This should be implemented. The Pakistan government has already issued the card, but most of the people are not aware of these facilities. Such types of incentives are beneficial for the people. I have already discussed this s topic here with different people and they opine that relief should be given to overseas Pakistani in custom duties, or if he is bringing car with him he should be given relaxation in custom duty. In my opinion, depending on the remittance volume, he should be given VIP treatment at Pakistan s airport.
Pakistan receives $14 billion foreign exchange and takes a $6 billion loan from the IMF. Hence overseas Pakistanis should be given more importance and offered lucrative incentives. Isn’t it?
I totally agree with your perception. When we interact with our labor community we offer them gifts, we share their happiness as well. We offer them prizes through raffle draws. Similarly they get some benefits and recognition and I agree with you such benefits should be given at government level as well. In Saudi Arabia and the UAE, construction work is booming and they are hiring workers from Pakistan. According to the officials, they have a plan to hire 500,000 more labors. It would enhance the remittance volume in Pakistan. Some important measures need to be taken to encourage labors to make legal remittances.
Are our embassies in the Middle East helpful and what are their initiatives?
First of all, we have to prioritize our objects. Usually, overseas Pakistanis send their remittances from all over the world but a big chunk is received from Middle East. Our embassies help in the matter, but there is much more to be done. On our Independence Day, they hold functions and Pakistanis participate in them. That provides an opportunity to us. Furthermore, when the consulate staff visit labor camps, they can educate our people to send their remittances legally. It would bring some improvement. It is a national cause and every one of us should play our role. In this regard, Philippines can be taken as a role model for us. That country also receives a significant volume of foreign exchange.
You have mentioned the rebate problem. If this problem is not solved how would you be able to achieve your targets?
To resolve this issue, I discussed it with the government authority and urged the State Bank too though the present government has taken some measures to resolve the issue bringing some improvements as well. Our Finance Minister Ishaq Dar has promised to release some more funds for this purpose. This rebate issue is a talk of the town and the disbursement should be in time to expedite foreign exchange.
Why to break the transaction in parts and why the SR25 policy is still valid?
This should be abolished, but the banks have already done a lot of work on it. You can observe yourself. If someone is sending money four times in that way, banks and the State Bank can check him easily. That is not an easy task now.
What are the new products to be introduced in the markets in the near future?
If you observe, banks have same type of products. Two years ago we introduced our main product, which is called Cash Over the Counter (COC). This product has gained significant popularity among the customers. The other products are Account Credit and Account to Account. Another product is Third Party Payment. For example, if someone sends me money and he has an account in another bank, I send that in his particular bank account and it will be credited to his account. With the technological advancement, receiving and paying the amount can be done very promptly. One more is Pardes Card. The State Bank also showed a lot of interest in it. It is like a prepaid card. If someone sends you the money, the card gets loaded up promptly. That card can be utilized at the bank and anywhere else simply like your ATM card. It is free from withholding text, and interest and profit are also offered on it. It is equal to opening your account. Once you receive that card, you don’t need to visit your bank. As someone sends you the money, your card will be loaded up automatically. But I would also explain to you that the card could not gain as much popularity as it should be. I think people still prefer to visit their bank branch for transactions. I reiterate that the people who send remittances must be given more incentives.
Habib Bank to expand remittance business
Habib Bank to expand remittance business
Hajj Ministry suspends 7 Umrah firms over transport violations
- Ministry took regulatory measures against the violating companies, suspending their operations and liquidating their bank guarantees to cover alternative transport costs
JEDDAH: The Ministry of Hajj and Umrah recorded violations by seven Umrah companies due to deficiencies in providing transport services to pilgrims, as stipulated in their approved programs.
It is part of the ministry’s efforts to enhance service quality for pilgrims and visitors of the Prophet’s Mosque, ensuring compliance with contracts in line with Saudi Vision 2030, which aims to improve the pilgrim experience at every stage of their journey.
The ministry took regulatory measures against the violating companies, suspending their operations and liquidating their bank guarantees to cover alternative transport costs for affected pilgrims, ensuring services meet approved standards.
It highlighted its commitment to protecting pilgrims’ rights and providing services of the highest quality and professionalism.
The ministry also highlighted its zero-tolerance approach to negligence or breach of contractual obligations, the Saudi Press Agency reported.
It called on all Umrah companies to strictly adhere to approved regulations and deliver services according to designated schedules, ensuring quality and the comfort of pilgrims and visitors during their stay in the Kingdom.
Al-Urumah seasons draw more than 1m ecotourists
- Over four seasons, Al-Urumah has grown into a vibrant destination, attracting more than 1 million ecotourists
RIYADH: The Al-Urumah Season, held in the heart of the desert at the Imam Abdulaziz bin Mohammed and King Khalid royal reserves, has become a premier ecotourism initiative, showcasing the Kingdom’s stunning environment and the passion of its organizers.
Over four seasons, Al-Urumah has grown into a vibrant destination, attracting more than 1 million ecotourists, according to a recent report from the Saudi Press Agency.
The inaugural season had about 52,000 visitors, rising to 230,000 in the second season. With eight service providers, the third season exceeded 300,000 attendees.
The fourth this year drew more than 400,000, reflecting effective strategic planning and infrastructure development involving the private sector and local communities.
During the Al-Urumah Season, the Imam Abdulaziz bin Mohammed Royal Reserve Development Authority offers 13 activities across both reserves, including camping, hiking, camel riding, cycling, stargazing, and other outdoor pursuits.
Additionally, 358 eco-units have been established for visitor accommodation, the SPA reported.
The authority also organizes training workshops for service providers on ecotourism principles, responsible recreation, and wildlife interaction, emphasizing their vital role in delivering quality tourism experiences.
The Al-Urumah Season has become an “integrated model of sustainable ecotourism.”
The authority has blended ecotourism, entertainment, and nature conservation, aligning with Saudi Vision 2030’s goals of economic diversification and community empowerment.
Saudi matchmaking app, Awaser, is helping individuals find partners by bridging tradition and modernity
- Alolayan said: “The younger generation increasingly wants to take ownership of their marriage journey in terms of to get
JEDDAH: With digital innovation taking place at a rapid pace, Awaser, a mobile application developed in Saudi Arabia, is at the forefront of a quiet transformation in the Kingdom’s matchmaking traditions.
It offers a modern approach to marriage, but remains firmly rooted in cultural and religious values.
Founded by psychiatrist Dr. Mohammed Alolayan, Awaser is not just a dating platform but a dedicated space for individuals and families with the intention of forming lasting marriages.
With features tailored to Saudi Arabia’s cultural norms and a strong emphasis on privacy, the app introduces a respectful and structured alternative to traditional matchmaking.
Speaking about the inspiration behind creating the first app of its kind, Alolayan said: “As a trained psychiatrist, I’ve spent years exploring human psychology and understanding the deep emotional challenges people face, especially in midlife, around intimacy and the question of ‘Who should I be with?’
“Listening to countless stories from patients and online followers, I realized how difficult it is for many to find a suitable partner within the traditional framework. That’s what inspired me to create Awaser.”
HIGHLIGHTS
• Awaser gives users the tools to search based on preferences unique to Saudi society, including regional origin, family background, education, sect, and tribal affiliation.
• This approach blends technology with cultural traditions, creating a platform that speaks to both the younger generation and their families.
Unlike typical matchmaking apps that rely on algorithms to suggest potential partners, Awaser gives users the tools to search based on preferences unique to Saudi Arabia society, including regional origin, family background, education, sect, and tribal affiliation.
This approach blends technology with cultural traditions, creating a platform that speaks to both the younger generation and their families.
Alolayan said: “Awaser does not offer matchmaking in the conventional sense. Instead, it elevates traditional matchmaking by making it more accessible and efficient.
“It’s a platform that respects Saudi customs while empowering individuals and families to make informed choices.”
One of the app’s most distinctive features is the ability for families to create and manage accounts on behalf of their children, a model that preserves the essence of traditional matchmaking while increasing the chances of finding a suitable match.
This family-first approach has resonated strongly with conservative users seeking to maintain trust throughout the process.
The app operates on a paid subscription model, which Alolayan believes ensures the quality and seriousness of its community. “We implemented a payment wall to ensure serious participation and prevent random or unserious users,” he said.
“Trust is crucial. That’s why users must verify with a Saudi mobile number and OTP (One-Time Password), and all communications are encrypted and automatically deleted after 30 days of inactivity.”
Privacy is a key concern for users in Saudi Arabia, particularly when it comes to online interactions between men and women.
Awaser addresses this by giving users complete control over their profiles and conversations, with no human intervention from the app’s management team. Conversations cannot begin without mutual consent, and all user data remains private and protected.
The platform currently focuses on Saudi nationals and residents, and has already had impressive engagement, especially from well-educated individuals.
“Around 30 to 40 percent of our users hold advanced degrees such as master’s or PhDs. While we expected high participation from major cities, we were pleasantly surprised to see users from nearly every region of the Kingdom,” he said.
Among the many success stories shared by users, one stands out for Alolayan: “A couple who met on Awaser married about a year and a half ago, and they recently welcomed their first child.
“Hearing that directly from them was incredibly moving, it validated everything we’ve been working toward.”
In a culture where family involvement remains a cornerstone of the marriage process, launching a technology-driven platform presented unique challenges. But the public response, Alolayan said, has been overwhelmingly positive.
“There’s a clear need, and many people are ready to embrace technology, so long as it honors our values. Awaser allows them to do both.”
Umm Abdullah, a user of the app, said: “As a mother, I’ve seen how difficult it’s become to find suitable matches, and approaching someone as the bride’s parents is not very common in our culture, we usually wait for proposals to come.
“Apps like this give us the chance to actively search instead of just waiting. It feels more efficient, while still respecting our values.”
Interestingly, Awaser also provides a space for non-traditional introductions between individuals, allowing for more autonomy in the relationship-building phase.
This dual approach supporting both traditional and independent searches reflects the evolving preferences of younger Saudis who want to play a more active role in choosing their life partners.
Alolayan said: “The younger generation increasingly wants to take ownership of their marriage journey in terms of to get to know their future partner before traditional steps begin.
“Awaser arrived at just the right time to meet this shift. It offers an alternative that feels modern yet grounded in cultural values.”
Another user, Naser Al-Rahman, said: “It’s really hard these days to find a relationship that leads to something serious. Most platforms don’t feel safe or genuine.
“But with this app, I feel like I can search more conveniently and securely, knowing the people here are serious about marriage.”
Although Awaser does not currently employ artificial intelligence to match users, Alolayan is open to future possibilities. “There is no proven psychological model for perfect matchmaking, which is why we don’t claim to match people ourselves.
“But I do see potential for AI and data analytics to provide smarter tools in the future, based on long-term user behavior.”
As Saudi Arabia continues its Vision 2030 journey toward modernization and empowerment, platforms such as Awaser highlight how digital solutions can coexist with tradition.
Commenting on the legal and cultural implications of matchmaking platforms, family lawyer Hassan Al-Ghawi said: “Apps like these help bridge the gap between tradition and technology.
“As long as user privacy is protected and the legal framework is respected, they can serve as a positive and legitimate extension of traditional matchmaking.
“Today’s younger generation often rushes into relationships, so involving both parents and children in the process allows for deeper understanding and more thoughtful decisions, potentially leading to stronger, longer-lasting marriages and fewer divorces.”
Deaf artist breaks barriers with solo debut in Jeddah
- Elham Abu Talib shares vision through her expressive works
JEDDAH: “It’s never too late to follow your dream,” says Elham Abu Talib, who has held her first solo exhibition in Jeddah after 38 years.
The Saudi artist is no stranger to the local art scene, having taken part in exhibitions across the Kingdom and overcome the barriers accompanying being severely deaf.
And at the Saudi Arabian Society of Culture and Arts in Jeddah on Sunday, Abu Talib showcased more than 40 paintings to leading artists and lovers of the genre.
Titled “Inspiration,” the exhibition marked a milestone, presenting her work to the public while highlighting her artistic journey amid years of persistence.
HIGHLIGHT
Abu Talib hopes to represent the Kingdom in international competitions. She also hopes the arts society will continue supporting disabled and female artists by providing platforms for their creativity.
Her passion began in childhood, when natural talent blossomed into fine art shaped by a beautiful dream. She lost her hearing as a child and faced speech difficulties, but met her challenges with patience, courage, and ambition.
Determined to express herself, she used a brush and colors as her voice — turning her childhood dreams into vivid reality.
She shared that hearing loss kept her from entering university, but her late father convinced her it did not mean giving up her ambitions.
Inspired by his words, she began participating in exhibitions while raising her children and fulfilling her duties as a mother.
She believes her disability has sharpened her visual perception — a gift she channels into her art.
“I’m so happy that, after 38 years, my dream has come true with this solo exhibition,” she said. “I thank the Saudi Arabian Society of Culture and Arts in Jeddah for giving me this opportunity.”
Abu Talib hopes to represent the Kingdom in international competitions. She also hopes the arts society will continue supporting disabled and female artists by providing platforms for their creativity.
Maha Abdulhalim Radwi, secretary-general of the Radwi Art Prize, said the artist had finally achieved a major milestone, adding: “This event allowed her to showcase her unique perspective and creative talent to a wider audience, proving that art transcends communication barriers.”
Mohammed Al-Subaih, the director general of the SASCA, said Abu Talib had dreamed of a solo exhibition for nearly four decades — and was now finally living that dream.
He added: “She’s participated with us in many workshops and group exhibitions; now it’s time to celebrate her first solo show.
“She deserves all the support and encouragement.”
Saudi Arabia to participate in Beijing book fair
- Saudi participation will include a strong institutional presence, with several government entities
RIYADH: The Literature, Publishing and Translation Commission will lead Saudi Arabia’s participation in the Beijing International Book Fair from June 18 to 22.
This is part of the Saudi-Chinese Cultural Year 2025, reflecting the depth of the strategic partnership between the two states, and their shared goal to enhance cultural and intellectual exchange.
The initiative supports the commission’s efforts to represent the Kingdom in global cultural forums, promote Saudi literary achievements, and foster cooperation in literature, publishing, and translation.
It also aligns with the Kingdom’s Vision 2030 reform plan, which positions culture as a pillar of development and a bridge for civilizational dialogue.
Saudi participation will include a strong institutional presence, with several government entities. The program features seminars, literary gatherings, and dialogue sessions to promote cultural exchange and build lasting partnerships in the literary field.
The aim is to boost the global reach of Saudi literature and create opportunities for Arabic content in the Chinese market.
The Kingdom was the guest of honor at the 2024 Beijing International Book Fair, where the commission presented a rich cultural program.
The events included seminars, artistic performances, and interactive activities that drew strong interest and strengthened cultural and intellectual ties between the two countries.
