وقعت الحكومة الاردنية وحكومة الإتحاد السويسري في التاسع عشر من تشرين الثاني/نوفمبر 2017 اتفاقية للتعاون في مجالات المياه والصرف الصحي والنظافة الصحية وحوكمة وحسن تدبير المياه وإدارة المياه العابرة للحدود في الأردن وذلك وفقا لما ورد في الموقع الاخباري "هلا hala.jo".

 

(English version)

Durant la dernière décennie, la région MENA a fait l’expérience d’une croissance économique et démographique considérable, qui devrait continuer dans le futur. La demande d’énergie dans ces diverses régions (composée d'importateurs et d’exportateurs d’énergie) se développe entre 3% et 8% par an. En réalité, la demande d’énergie s’élève si rapidement dans le monde Arabe que même les pays qui ont traditionnellement exporté de l'énergie dans le passé sont confrontés à la perspective de devenir eux-mêmes des importateurs d’énergie. La courbe suivante montre la demande croissante d’électricité dans la région Arabe à travers le temps, plus précisément au sein du Conseil de Coopération du Golfe.

(Version française)

Over the past decade, the MENA region has experienced considerable economic and population growth, which is only expected to continue in the future. The demand for power in this diverse region (comprised of energy importers and exporters) is expanding between 3% and 8% annually. In fact, the demand for energy is rising so rapidly in the Arab world that even countries which have traditionally exported energy in the past are facing the prospect of becoming energy importers themselves. The following figure shows the increasing demand for electricity overtime in the Arab region, especially in the Gulf Cooperation Council.

 

مجلة ميدل ايست للاعمال

عقدت شركة أرفاق للاستشارات المالية والتدريب الندوة الأولى لصناعة المال الإسلامي بعنوان : التمويل الإسلامي .. واقع ورؤية في فندق جراند حياة – عمان يوم الثلاثاء الموافق 21 / 3 / 2017 وبرعاية اعلامية من مجلة ميدل ايست بزنس – الشرق الأوسط للاعمال.

وقد ركز معالي الدكتور محمد أبوحمور أمين عام منتدى الفكر العربي في كلمة الافتتاحية على أهمية الانتقال من إدارة ندرة الموارد والاقتتال عليها إلى إدارة وفرتها وتعداد حركتها وصناعتها للمستقبل " وأشار إلى أن هذه الإدارة وتجددها هو من صلب عمل أصحاب الفكر وصناع المال وتمنى أن يكون لصناعة المال الإسلامي دور أكبر في التجديد والتطوير .

وقد أكدت د. خوله النوباني مدير عام الشركة ومنظمة الندوة على ضرورة الإلتفات للعناصر الهامة في الحضارة الإسلامية التي صنعت ممارسات إقتصادية عادلة وبينت أن الحضارة الإسلامية في هذا الجانب إنما جمعت بين المادية والروحانية وتزينت بالأخلاق، وما تحققه المصرفية الإسلامية من انتشار واسع ونتائج نمو ملفتة إنما هو بسبب هذه الجذور كما وأكدت على ضرورة الإهتمام بإعمار الأرض من خلال استثمارات هذه المؤسسات.

كما وشكرت راعي الإفتتاح د. محمد أبو حمور والراعي الرئيس البنك الإسلامي الأردني والرعاة من فلسطين البنك الإسلامي العربي والبنك الإسلامي الفلسطيني، الذين سجلوا حضور ملحوظ على مستوى المدراء العاميين بالاضافة الى العديد من موظفي الإدارات العليا وكذلك شكرت جمعية البنوك الأردنية والمعهد المصرفي الفلسطيني وسلطة النقد الفلسطينية على رعايتهم الإستراتيجية لهذه الندوة وكذلك الشركاء الإعلاميون حياة اف إم والغد والدستور والسبيل وقناة اليرموك ومجلة الشرق الأوسط للأعمال.

كما وتحدث الدكتور موسى مبارك نيابة عن المدير العام للبنك الإسلامي الأردني الأستاذ موسى شحادة حول أداء وتميز البنك الإسلامي الأردني في السوق المصرفية الأردنية وحصوله على عدة جوائز من شهادة الآيزو الدولية في مجال المسؤولية الاجتماعية .

وقد اشتملت الندوة على ثلاث جلسات ترأس الأولى معالي الدكتور محمد أبوحمور وكانت بعنوان: قضايا في التمويل الإسلامي وشارك فيها الدكتور موسى مبارك و أ. إياد نصار من سلطة النقد الفلسطينية وأ. سامي الصعيدي مدير عام البنك الإسلامي العربي في فلسطين .

أما الجلسة الثانية فقد ترأسها أ.د خالد أمين وشارك فيها كل من د. عدلي قندح مدير عام جمعية البنوك الأردنية وأ. بيان قاسم مدير عام البنك الإسلامي الفلسطيني وأ. ديمة التهتموني رئيس الدائرة القانونية في هيئة الأوراق.

أما الجلسة الثالثة فقد ترأستها د. خوله النوباني مدير عام شركة أرفاق وشارك فيها كل من السيدة هيفاء البشير رئيس جمعية الأسرة البيضاء ومنتدى الرواد الكبار والسيدة أمل ضراغمة المصري رئيس تحرير مجلة الشرق الأوسط للأعمال و أ. إياد حماد مدير إذاعة حياة إف إم  وأ.د. أسامة العاني أستاذ المصارف الإسلامية في جامعة عجلون .

هذا وقد حضر  الندوة العديد من المتخصصين والمهتمين وصانعي القرار في صناعة المال الإسلامي من الأردن وفلسطين وخارجهما .

في الختام تم الإعلان عن برنامج أرفاق الذي يتضمن حملة توعوية بالمصرفية الإسلامية تستهدف المرأة برعاية من بنك الأردن دبي الإسلامي تلاها إطلاق التقرير الأول للمصرفية الإسلامية في الأردن وفلسطين وهو تقرير حول الأداء من واقع البيانات المالية المنشورة ومن خلاله ومن خلال المشاركين تم الخروج بالتوصيات التالية :

  • توظيف جميع الوسائل الحديثة المقروءة والمسموعة والمرئية لنشر الوعي من خلال الندوات وورش العمل والمؤتمرات.
  • إطلاع مؤسسات المعايير الدولية الإسلامية على خصوصية التحديات في فلسطين وإبرازها من خلال إضافة المخاطر الخاصة بالمناطق الفلسطينية وطرح حلول ممكنة التطبيق للتحوط\ لها.
  • عمل خطة برامجية إعلامية وتبنيها من قبل المؤسسات المالية الإسلامية لنشر الوعي.
  • توظيف الصحافة المطبوعة والإلكترونية لصالح تفنيد الشبهات التي تعتري العمل المصرفي الإسلامي عند العامة.
  • توظيف الصياغة القانونية لتوجيه الرؤية في المصارف الإسلامية
  • تبني المؤسسات المالية الإسلامية العملي للمسؤولية الاجتماعية.
  • زبادة عدد النساء في الهيئات الشرعية في مختلف المؤسسات المصرفية الاسلامية.
  • إخراج الاقتصاد من قمقم النخبوية إلى الشارع من خلال التركيز على القضايا التي تهم الشارع (المشاريع الصغيرة،ميزانية الأسرة،...)
  • تبسيط مصطلحات التمويل الإسلامية بما يساهم في توضيح دورها، ويُساعد في سهولة تداولها.
  • الاهتمام الحقيقي بالبرامج الاقتصادية وأن لا تكون مجرد استكمال وتزيين للدورة البرامجية دون محتوى هادف ومبسط يصل للجمهور على اختلاف فئاتهم.
  • تقديم قصص نجاح اقتصادية في الإعلام بطرق مشوقة وزيادة مساحات ظهور المختصين المتخصصين في صناعة المال الإسلامي في الإعلام.
  • اهتمام المؤسسات الاقتصادية بالإعلام وإدراك أهمية دوره في جلب العُملاء ودعم مشاريعها.
  • العمل مع الإعلام لتحسين الصورة النمطية عن البنوك الإسلامية وشركات الصيرفة.
  • إصدار مؤشر قياس لمستوى الخدمات والمنتجات والحلول المصرفية Service Score Index لقياس مستوى الخدمات والحلول المصرفية على مستوى القطاع وعلى مستوى البنك الواحد( الفروع) بهدف تحسينها.
  • تبادل الخبرات بين الدول فيما يتعلق بآليات عمل البنوك الإسلامية على المستوى العربي والإسلامي وعلى المستوى الرقابي.
  • تشجيع إدماج المرأة في الهيئات الشرعية والعمل المصرفي الإسلامي ككل.
  • ابتكار أدوات خاصة تعتني بدور المرأة الإقتصادي ودعم خصوصية أعمالها .
  • المبادرة في البناء على هذه الندوة وتوصياتها بما يشكل قاعدة فعلية لتطوير التمويل الإسلامي ونشره إنطلاقا من الأردن إلى خارجها .

 

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ايمن ابو الخير

هل نحن في مرحلة اجتياز الاقتصادي المهيمن القائم على أساس المصانع الكبيرة والشركات متعددة الجنسيات إلى عالم يقوم على حرية الاختيار، الذي سيتمكن فيه الكيانات الصغيرة من المنافسة مع الشركات الكبيرة،وبالتالي ستساهم في تشكيل اقتصاد المستقبل؟ هل نحن فعلا بصدد عبور الاقتصاد "التناظري" الحقيقي الى الاقتصاد الافتراضي، ام ان الانتقال سيكون من الاقتصاد الافتراضي الى الاقتصاد الحقيقي؟

By Ayman Abualkhair

 

Are we in a stage of passing the dominant economic age, based on large factories and multinational companies, to a world predicated on freedom of choice, in which small entities would have the potential to compete with large companies, and hence shape the future economy? Are we crossing the age of a real economy to a virtual one, or is it moreover transitioning from a virtual economy to a real economy?

Exclusive Interview

The Middle East’s CO2 emissions posted the fastest growth rate of any other region in 2014. With environmental regulations getting ever more stringent, now’s the time to act.

The Paris Climate Talks that took place between November 30 and December 11, 2015 brought climate change back into the spotlight, and with it, the role of renewable energy in tackling the problem. The International Renewable Energy Agency suggests that doubling the global share of renewable energy by 2030 would provide half the emission reductions needed to limit global warming to two degrees Celsius, while energy efficiency measures could provide the rest.

Generating power and electricity in a more environmentally efficient and sustainable manner is increasingly gaining traction in countries in the Middle East. Companies like Masdar, a pioneer in the field, and frontrunner in the race to become a regional powerhouse in renewables, are constantly investing in new projects and technologies that both challenge and improve commercial energy production.

 

London-Array-Turbines

The UAE government has been actively seeking to promote the use of greener energy across the country, and Dr Nawal Al Hosany, director of sustainability at Masdar, firmly believes that renewable energy will continue to grow in prominence in the region.

“The issue of climate change and rising global temperatures is perhaps more salient here in the Middle East than anywhere else on the planet. For many years, climate action was synonymous with sacrifice. It was a matter of what countries and individuals would have to “give up” to reduce emissions and save the planet.”

She added: “Now, thanks in part to the growing business case for renewable energy and its centrality in the climate solution, climate action is increasingly being seen as a means to grow, stimulate the economy and improve livelihoods.

One of the factors to consider when talking about renewable energy, Hosany suggests, is the falling cost of technology used to generate cleaner energy.

“Falling technology costs are making the switch from fossil fuels to renewable energy cost-neutral, while also creating jobs, boosting GDP growth, driving business and reducing emissions,” she said.

 

The role of sustainability in cleaner energy development is rapidly growing, but so are the challenges surrounding it, as Hosany explains.

“The energy choices we make in the next few years will determine the nature of the climate we will experience in our lifetime, and the kind of world we will leave for our children and future generations. Masdar is a reflection of the UAE leadership’s awareness that yesterday’s models cannot and will not provide a sustainable future for the people of the UAE. Since 2006, the company has invested over $1.7bn and already delivered on 1GW of renewable power projects around the world.”

As someone who’s spent decades in the field, Hosany admits that lack of awareness on sustainability can sometimes act as a barrier, but where there’s a challenge, there’s an opportunity and that’s exactly the kind of approach that Masdar’s been taking over the years.

“There is a need to raise awareness on adopting and incorporating basic sustainability practices across the region and beyond – from domestic to corporate adoption. Sustainability can be incorporated in organisations throughout the entire supply chain; it also adds significant cost savings through resource management,” Mr Hosany says.

 

Since its inception in 2006, Masdar has grown into a multi-million dollar company and a worldwide recognised brand.

It currently owns an impressive 1.5GW of renewable power projects in various global locations, both in operation and under development. Its biggest international investment at present includes the world’s largest offshore wind farm, the 630MW London Array in the Thames Estuary, UK. The company also owns 35% share in the planned Dudgeon offshore wind farm in Britain, which is being developed with its Norwegian partners Statoil and Statkraft.

The Abu Dhabi based company recently told local media it aims to double its projects portfolio in the next ten years. In the Middle East, one of its key investments is the Tafila Wind Farm in Jordan, the first utility-scale wind farm commissioned in the region. The $238 million project is capable of producing 117MW of electricity, delivering 400GWh of electricity annually and displacing 235,000 tonnes of CO₂ emissions. With Morocco vowing to have 52% of its energy come from renewables by 2030, the market will be a key focus for the UAE’s flagship developer.

 

Tafila-wind-farm-in-Jordan

The company also plans to produce a staggering 1,500 m3/day of potable water over the next 15 months through its desalination programme in Ghantoot, Abu Dhabi, by using four specially designed technologies from four different companies. Ultimately, it aims for the large-scale deployment and implementation of one or more of these energy-efficient desalination technologies in the UAE and potentially across the wider Middle East and North Africa region, as well as internationally.

Another of its ground-breaking projects, the 100MW Shams 1 facility in the Western Region of Abu Dhabi, which is also the largest concentrated solar power plant of its kind, can reduce CO₂ emission by up to 175,000 tonnes annually. Through GE’s Ecomagination 2020 Partnership, Masdar is working on implementing the first complete energy-neutral wastewater treatment process in the region.

The company has also increased its collaboration with local and international partners and foreign investment banks offering cash for green energy projects. In 2013, it signed a deal with the UK’s Green Investment Bank, while its Pacific Partnership Fund, a $50 million initiative, continues to deliver grant-funded renewable energy projects across four nations in the Pacific island.

Masdar, which started as a $15 billion initiative to diversify Abu Dhabi’s energy mix, today owns a designated capital investment fund for new investments and acquisitions abroad. It typically targets $15 million to $50 million in private equity for companies whose commercial revenue is at least $10 million. Geographically, its focus is mainly on mature markets like Europe and North America, but stretches far beyond to locations as remote as the Seashells and Fiji islands.

In the meantime, one of its pivotal projects, Masdar City – an eco-friendly urban development in the eastern parts of Abu Dhabi, is attracting foreign investment in the UAE and a growing number of private sector players. Slated to be the world's first zero-carbon, zero-waste, car-free city, Masdar City is fast becoming a growing business haven for innovative tech start-ups, urban development planners, sustainability entrepreneurs and energy saving products and service providers.

 

Though in its early stages and the first of its eight neighbourhoods still under development, multinationals like Siemens have already made the CIty home to its Middle East operations. The structure it inhabits is the first LEED Platinum building to open in Abu Dhabi, while its “box-within-a-box” design contributes to an energy savings of about 63% compared to conventional office buildings in the emirate. Siemens also claims a 52% water savings for the building.

Investment in research and development is absolutely essential in all fields, and arguably, even more so in renewables. As one of the region’s primary advocate on new energy economy, Masdar’s approach on R&D appears to be both integrated and commercially driven. It combines higher education with scientific research, while also working to achieve collaboration with the private sector. At the core of Masdar City is the Masdar Institute of Science & Technology (MI) – an independent, research-driven university dedicated to advancing renewable energy and sustainable technologies, which is continuously looking for ways to collaborate with the private sector.

 

“We really see Masdar City as a “living laboratory” for low-energy use, low-carbon, low-waste technologies that can be piloted on site. Masdar City’s role is to create knowledge that diversifies the UAE economy, as well as to be the place where you build a community of innovation and research.”

Sustainable urban development is another area of investment, where Masdar’s been increasingly concentrating its efforts.

“We are on a mission to build the world’s most sustainable city,” states Al Hosany, her words both inspiring and visionary, hoping to shape, influence and transform perceptions on urban development not only in the Middle East, but worldwide.

 

“We consider Masdar proof of concept for a global sustainable city – if we can make sustainability work in the harshest climate in the world, than surely cityscapes around the globe can be adapted to meet the needs of the future. Masdar City is guided by the three principles of sustainability – economic, environmental and social,” says Al Hosany.

Higher penetration of renewable technologies with their variable generation characteristics will require many fundamental changes in the way that electric power systems are planned and operated to maintain reliable service and to do so economically, Ms Hosany explains.

“There are challenges in developing renewable generation technologies, such as further reducing the capital costs and improving energy efficiencies of the various types of renewable resources, such as wind, solar PV, solar thermal, and tidal.”

 

The sector is in dire need of meaningful and thought-provoking programmes to further the development of large-scale energy storage technologies, which remain significantly underexploited.

As Ms Hosany rightly points out: “To seamlessly integrate renewable resources in the grid, research and development must address challenges that high penetration levels will have in power system planning and operation, and in grid connection.”

Consistent regulatory and pricing regimes, another grey area that often gets neglected by decision-makers and industry leaders alike, is deterring investment and discouraging the pursuit of innovative-thinking among researchers.

 

“While the cost of renewables has declined to a level comparable with other energy sources, the lack of a level playing field in some countries when it comes to subsidies, taxes and regulations, inhibits the adoption of clean energy solutions.

“It is also harder to attract inward investment when governments don’t have a policy framework that allows investors to make long-term plans. To a lesser extent energy storage and grid management are also challenges.”

 

But none of these ground-breaking projects would have been possible without the help and technological knowhow of conglomerates with decades of experience in developing innovative, ground-breaking technologies like GE, Siemens, Schneider and Samsung on the one hand, and small and medium enterprises, service providers and product developers, on the other.

Without doubt, the company is en route to grow in size and bring more glory to the region. But to do so it will need help from viable and trustworthy partners capable of creating innovation that not only leads to new ideas but also has commercial application in the world, making a difference to people’s lives.

According to Oxford Business Group, Jordan looks ahead to renewable options. Jordan is working on plans to significantly boost its energy independence over the coming years with a range of renewable power projects, including the largest solar power plant in the region.

Jordan

14 Mar 2015

           

Jordan''s economy is among the smallest in the Middle East. Jordan’s economy is dominated by services, which account for over 65 percent of GDP and more than 75 percent of jobs. Jordan’s natural resources are potash and phosphate, agricultural land is limited and water is considerably scarce. With insufficient supplies of water, oil, and other natural resources, the government is heavily reliance on foreign assistance. Other economic challenges for the government include chronic high rates of poverty, unemployment, inflation, and a large budget deficit.

Jordan has made significant headway with privatisation. The Jordanian economy is private-sector oriented. Accordingly, direct state ownership is relatively small. It is significant only in the mining sector (phosphates and potash) and in public utilities (electricity, water, communications, and bus, railway and air transport). Jordan has experienced strong economic growth (more than seven percent annually) with a remarkable upward trend since 2004. Much of this growth is due to rising exports, its location as a services hub to Iraq, and private capital inflows.

The global economic slowdown and regional turmoil, however, have depressed Jordan''s GDP growth, impacting export-oriented sectors, construction, and tourism.

The regional unrest has generated adverse spillover effects on economic activity in the Kingdom, driven by a retrenchment in investment, tourism and exports which also suffered from the continued poor performance of the world economy.

Economic challenges for the government include chronic high rates of poverty, unemployment, inflation, and a large budget deficit.

The kingdom has the world’s fourth-largest reserves of oil shale (about 40 billion tons), an organic-rich, fine-grained sedimentary rock from which liquid hydrocarbons (shale oil) can be produced. Shale oil is a substitute for conventional crude oil, and the oil can also be burned directly for power production similar to coal. Shale could help strengthen the fiscal position of Jordan whose economy has been impacted by the regional upheaval in the Arab world.

 

Essential Information     

Area: 89,342 sq km
Population: 6,482,081 (July 2013 est.)
Capital: Amman
Principal Towns:Zarqa, Irbid, Aqaba.
Languages: Arabic is the official language and English is widely spoken.
Gross Domestic Product (Nominal): $31.4 billion (2012 est.)
GDP per capita: $4,844 (2012 est.)
International Reserves: $7.4 billion (2012)
Climate: The majority of Jordan lies between 600 and 900 metres above sea level, resulting in temperatures at the higher altitudes being some 5°C lower than in the Jordan Valley. Rainfall is mainly confined to period between November and April. In Amman the average temperature between May and October is 22°C rising to a maximum of some 38°C in August. The Winter/Spring period of November to April sees an average temperature of some 9°C lower with a December low of about 5°C.
 
Currency: $1 = 0.71 Jordanian Dinar (JOD)
 
DEMOGRAPHY
Age Distribution:
            0-14 years: 34.9%
15-24 years: 20.1%
25-54 years: 35.8%
55-64 years: 4.2%
65 years and over: 4.9%
Population Growth:
            -0.965% (2012 est.)
Education:
Of total population: 92.6% age 15 and over can read and write
 
NATURAL RESOURCES
 
Fossil Fuel: oil
Minerals: phosphates, potash, shale oil
Hydro-electric: small 0.6 percent


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Visas are required for US, UK and all European nationals; a seven-day tourist can be obtained at the airports and frontiers. For stays exceeding three months a residence permit is required.

 National Day 25 May

 

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