Abu Dhabi-based start-up ImInclusive is matching people of determination with inclusive employers by improving jobseekers' skills and consulting companies to improve diversity and equity in the workplace.
Pakistan-born founder Hafsa Qadeer, 27, believes that better workplace inclusion is a matter of social justice rather than a charitable cause.
“We don't want to be a social handout … this is not about charity, this is not a good cause, this is about sustainable, long-term impact,” she says. “It's how to treat disability beyond the medical and charity model of it and understanding that disability is actually something that's the community's responsibility.”
More than a billion people, or 15 per cent of the world's population, live with some form of disability, with a higher prevalence in lower-income countries, according to the World Health Organisation.
People with disabilities face barriers to accessing basic services including health, education, employment and transport, preventing them from participating in their communities, getting a quality education, finding decent work and having their voices heard, according to a World Bank report.
Employers' misconceptions that people with disabilities are less productive than their non-disabled counterparts and ignorance about available adjustments to work arrangements limits job opportunities, the Washington-based lender says.
People with disabilities are more likely to be unemployed and generally earn less even when employed. Employment rates are lower for disabled men (53 per cent) and disabled women (20 per cent) than for non-disabled men (65 per cent) and women (30 per cent), the reports says.
Employers can make reasonable adjustments by making recruitment and selection procedures accessible, adapting the working environment, modifying working times, and providing assistive technologies, the World Bank says. A range of financial measures, such as tax incentives and funding for reasonable accommodation, can be considered to reduce additional costs that would otherwise be incurred by employers and employees.
It is these barriers that Ms Qadeer wants to address through ImInclusive, an idea she began developing in 2019 at the Ma’an Social Incubator in Abu Dhabi before launching the start-up's Android app in 2021.
Ms Qadeer was raised by a single parent in a family of five other siblings, including her brother Ahmed, who has spina bifida and is the inspiration behind her start-up. Spina bifida is a birth defect that occurs when the spine and spinal cord don't form properly, according to the Mayo Clinic.
While the siblings were never treated differently from one another in her household, Ms Qadeer sensed there was a need to connect with other families and members of the community living with disabilities.
“I realised as I grew up that there were questions that started popping up: which doctor to go to? Is there a community out there? I realised many families in this situation are living in isolation, there's so much stigma where people don't talk about it enough,” she says.
The initial version of the app was designed to connect people of determination and their families from across the world.
Her brother took his first independent flight from Pakistan to Abu Dhabi to help Ms Qadeer pitch the idea to Ma'an and the pair undertook research, market surveys and interviews before introducing the product to market. The market insights, however, led them to change their idea to better meet demand.
“We found that the biggest solution we can provide was employment because … a workplace is somewhere you pick up social skills and life skills,” she says.
The gap in disability inclusion partly arises from a lack of education at an early age about this topic, where children are not taught skills such as sign language to better accommodate their peers living with a disability.
“Inclusion as a mindset is not taught in schools as widely yet, but it can be taught in the workplace,” Ms Qadeer says. “That gap still exists because we didn't have it in our education, so we have to find a means of educating people now. It's pretty critical.”
Inclusion as a mindset is not taught in schools as widely yet, but it can be taught in the workplace
Hafsa Qadeer,
founder of ImInclusive
Launched in March 2021, the Android app features an inclusive job board that displays employment opportunities with filters based on the accessibility requirements of a candidate. If a jobseeker's profile matches an employer's willingness to accommodate these requirements, their profiles match on the app.
An iOS app is currently under development and is expected to be launched next year.
So far, ImInclusive has 50 companies registered on the app. The start-up is also consulting more than 100 organisations on inclusion, from understanding the barriers in the workplace to creating accessible retail designs.
This year, the start-up has set a target of getting 100 people of determination hired through ImInclusive.
The start-up has several revenue streams that include employer subscriptions to the app, consultancy services, employment services and helping organisations set learning and development goals.
It does not charge people of determination who are registered jobseekers on the app, Ms Qadeer says.
ImInclusive provides customised training for people of determination through self-paced online learning, assigning a career coach and teaching professional etiquette to ensure the best placement.
“We know there is demand for hiring people of determination, but our job is dual-sided, we have to prepare the talent and the employers,” Ms Qadeer says. “We want to make sure it's a win-win situation for everyone and that the talent has high retention rates.”
ImInclusive also trains advocates from within the community of people of determination who encourage the jobseekers to learn new skills.
“We've identified in them the skill to make an impact and influence their communities and to be strong advocates in telling their own community members that 'hey, you need to upskill yourself if you're going to land that job, it's not something that someone is just going to bring to you, you have to make the effort'.”
Training for employers differs by sector, with demand from the retail, hospitality, food and beverage, banking and IT industries, she says.
A five-level training module is customised for each industry and for the organisation, taking into account its management structure and hiring needs.
This ranges from the etiquette of dealing with people of determination, the basics of inclusion, empathetic listening and leadership to teaching senior executives how to make more inclusive decisions.
Companies are “very interested” in hiring people of determination, with rising demand from the retail, hospitality and healthcare sectors, Ms Qadeer says.
“They understand that hiring people of determination means having more customers that are people of determination,” she says.
Conscious consumer trends of inclusion and social justice, particularly among young people, also means that they are likely to make purchases from inclusive companies, she says.
Following the Covid-19 pandemic, more companies are operating hybrid models and are open to work-from-home options that give some candidates more job flexibility.
ImInclusive currently has 600 candidates from the region in its database.
“In general, there's not one candidate that I've met who hasn't had motivation ... to thrive and hustle and grow and win. We're all in the same boat,” Ms Qadeer says.
Nujood Al Otaibi, 34, was hired in Saudi Arabia through the app after a long job hunt.
“I have been kicked out every time I apply for a job … in my case, my disability could not be seen immediately and employers misunderstood me many times,” she says.
“I was looking to settle for a job for a long time and never got a chance to find where I belonged. With the help of the ImInclusive team, I found what I've always dreamt about.
“Working in a healthy environment is essential for my mental health. To be employed gives me the strength to be in the moment with the right people who share the same goals as I do.”
"Working in a healthy environment is essential for my mental health. To be employed gives me the strength to be in the moment with the right people who share the same goals as I do."
Nujood Al Otaibi,
job candidate hired via ImInclusive
In its quest to ensure more inclusive workplaces, the start-up is emphasising to employers the importance of equality.
“We ask them: What can you offer as a performance driver that enables an individual to perform like their colleagues. It can't be an inequitable playing field,” she says.
“We cannot give one person a computer and tell the other person, 'this machine you're using won't work for you, but perform the same task'. It's like asking a fish to climb a tree.”
ImInclusive has so far been funded through bootstrapping and grants from UAE-based accelerator C3 and Ma’an Abu Dhabi.
It will seek additional funds from angel and impact investors soon, Ms Qadeer says.
The start-up, which is projecting sixfold revenue growth by 2025, is eyeing Saudi Arabia and Egypt as “feasible markets”, the founder says.
Company Profile
Name: Hafsa Qadeer, founder and chief executive
Date started: Pitched to Ma’an Abu Dhabi April 2019, incubation completed December 2019
Based: Abu Dhabi, UAE
Sector: Technology, social enterprise, people of determination recruitment and consultancy
Size: Seven employees/team members
Investment stage: Bootstrapped and open to angel investors and impact investors
Q& A with Hafsa Qadeer, founder of ImInclusive
What new skills have you learnt since launching your start-up?
I have learnt how to build sustainable long-term revenue streams while being impact-driven as an enterprise.
How has the pandemic affected your business plans?
The pandemic was challenging, but it showed us the skill set and culture we are looking for in our teams to grow with deep-rooted impact and agility while staying authentic at heart. The pandemic gave us time to observe and decide what a thriving culture at ImInclusive would look like and helped me put together a team that can truly execute.
How important is ImInclusive's service during the pandemic?
Aligned to the UN's vision of building back better, post-pandemic in a world of hybrid working models, everyone has an excellent opportunity now to build back better, ensuring that disability inclusion is no longer an afterthought.
How is your product different from other resources available for people of determination in the UAE/Mena?
We have built the ecosystem of inclusive employment in Mena from the ground up. Our consultancy and solutions make us an extended inclusion team to our employers' hub, providing dual-sided support for employers and job seekers.
Where do you see the business heading in five years?
We aim to scale the ecosystem we have created and become the most effective digital inclusion hub for all people of determination and inclusive employers. We will continue to welcome more employers and candidates to join us. And ours is a social chain of hiring. The more projects we grow, the more inclusive teams we train internally to take on those projects and execute them.
ICC T20 Team of 2021
Jos Buttler, Mohammad Rizwan, Babar Azam, Aiden Markram, Mitchell Marsh, David Miller, Tabraiz Shamsi, Josh Hazlewood, Wanindu Hasaranga, Mustafizur Rahman, Shaheen Afridi
Benefits of first-time home buyers' scheme
- Priority access to new homes from participating developers
- Discounts on sales price of off-plan units
- Flexible payment plans from developers
- Mortgages with better interest rates, faster approval times and reduced fees
- DLD registration fee can be paid through banks or credit cards at zero interest rates
Champions parade (UAE timings)
7pm Gates open
8pm Deansgate stage showing starts
9pm Parade starts at Manchester Cathedral
9.45pm Parade ends at Peter Street
10pm City players on stage
11pm event ends
Why it pays to compare
A comparison of sending Dh20,000 from the UAE using two different routes at the same time - the first direct from a UAE bank to a bank in Germany, and the second from the same UAE bank via an online platform to Germany - found key differences in cost and speed. The transfers were both initiated on January 30.
Route 1: bank transfer
The UAE bank charged Dh152.25 for the Dh20,000 transfer. On top of that, their exchange rate margin added a difference of around Dh415, compared with the mid-market rate.
Total cost: Dh567.25 - around 2.9 per cent of the total amount
Total received: €4,670.30
Route 2: online platform
The UAE bank’s charge for sending Dh20,000 to a UK dirham-denominated account was Dh2.10. The exchange rate margin cost was Dh60, plus a Dh12 fee.
Total cost: Dh74.10, around 0.4 per cent of the transaction
Total received: €4,756
The UAE bank transfer was far quicker – around two to three working days, while the online platform took around four to five days, but was considerably cheaper. In the online platform transfer, the funds were also exposed to currency risk during the period it took for them to arrive.
Lexus LX700h specs
Engine: 3.4-litre twin-turbo V6 plus supplementary electric motor
Power: 464hp at 5,200rpm
Torque: 790Nm from 2,000-3,600rpm
Transmission: 10-speed auto
Fuel consumption: 11.7L/100km
On sale: Now
Price: From Dh590,000
Generation Start-up: Awok company profile
Started: 2013
Founder: Ulugbek Yuldashev
Sector: e-commerce
Size: 600 plus
Stage: still in talks with VCs
Principal Investors: self-financed by founder
The biog
Favourite hobby: I love to sing but I don’t get to sing as much nowadays sadly.
Favourite book: Anything by Sidney Sheldon.
Favourite movie: The Exorcist 2. It is a big thing in our family to sit around together and watch horror movies, I love watching them.
Favourite holiday destination: The favourite place I have been to is Florence, it is a beautiful city. My dream though has always been to visit Cyprus, I really want to go there.
The specs
Price, base / as tested Dh1,100,000 (est)
Engine 5.2-litre V10
Gearbox seven-speed dual clutch
Power 630bhp @ 8,000rpm
Torque 600Nm @ 6,500rpm
Fuel economy, combined 15.7L / 100km (est)
UAE%20medallists%20at%20Asian%20Games%202023
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UAE currency: the story behind the money in your pockets
UAE currency: the story behind the money in your pockets
The Melbourne Mercer Global Pension Index
The Melbourne Mercer Global Pension Index
Mazen Abukhater, principal and actuary at global consultancy Mercer, Middle East, says the company’s Melbourne Mercer Global Pension Index - which benchmarks 34 pension schemes across the globe to assess their adequacy, sustainability and integrity - included Saudi Arabia for the first time this year to offer a glimpse into the region.
The index highlighted fundamental issues for all 34 countries, such as a rapid ageing population and a low growth / low interest environment putting pressure on expected returns. It also highlighted the increasing popularity around the world of defined contribution schemes.
“Average life expectancy has been increasing by about three years every 10 years. Someone born in 1947 is expected to live until 85 whereas someone born in 2007 is expected to live to 103,” Mr Abukhater told the Mena Pensions Conference.
“Are our systems equipped to handle these kind of life expectancies in the future? If so many people retire at 60, they are going to be in retirement for 43 years – so we need to adapt our retirement age to our changing life expectancy.”
Saudi Arabia came in the middle of Mercer’s ranking with a score of 58.9. The report said the country's index could be raised by improving the minimum level of support for the poorest aged individuals and increasing the labour force participation rate at older ages as life expectancies rise.
Mr Abukhater said the challenges of an ageing population, increased life expectancy and some individuals relying solely on their government for financial support in their retirement years will put the system under strain.
“To relieve that pressure, governments need to consider whether it is time to switch to a defined contribution scheme so that individuals can supplement their own future with the help of government support,” he said.
The specS: 2018 Toyota Camry
Price: base / as tested: Dh91,000 / Dh114,000
Engine: 3.5-litre V6
Gearbox: Eight-speed automatic
Power: 298hp @ 6,600rpm
Torque: 356Nm @ 4,700rpm
Fuel economy, combined: 7.0L / 100km
Temple numbers
Expected completion: 2022
Height: 24 meters
Ground floor banquet hall: 370 square metres to accommodate about 750 people
Ground floor multipurpose hall: 92 square metres for up to 200 people
First floor main Prayer Hall: 465 square metres to hold 1,500 people at a time
First floor terrace areas: 2,30 square metres
Temple will be spread over 6,900 square metres
Structure includes two basements, ground and first floor
UPI facts
More than 2.2 million Indian tourists arrived in UAE in 2023
More than 3.5 million Indians reside in UAE
Indian tourists can make purchases in UAE using rupee accounts in India through QR-code-based UPI real-time payment systems
Indian residents in UAE can use their non-resident NRO and NRE accounts held in Indian banks linked to a UAE mobile number for UPI transactions
COMPANY%20PROFILE
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The stats
Ship name: MSC Bellissima
Ship class: Meraviglia Class
Delivery date: February 27, 2019
Gross tonnage: 171,598 GT
Passenger capacity: 5,686
Crew members: 1,536
Number of cabins: 2,217
Length: 315.3 metres
Maximum speed: 22.7 knots (42kph)
Malcolm & Marie
Directed by: Sam Levinson
Starring: John David Washington and Zendaya
Three stars
The specs
- Engine: 3.9-litre twin-turbo V8
- Power: 640hp
- Torque: 760nm
- On sale: 2026
- Price: Not announced yet
Name: Brendalle Belaza
From: Crossing Rubber, Philippines
Arrived in the UAE: 2007
Favourite place in Abu Dhabi: NYUAD campus
Favourite photography style: Street photography
Favourite book: Harry Potter
Tamkeen's offering
- Option 1: 70% in year 1, 50% in year 2, 30% in year 3
- Option 2: 50% across three years
- Option 3: 30% across five years
DIVINE%20INTERVENTOIN
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Founders: Abdulmajeed Alsukhan, Turki Bin Zarah and Abdulmohsen Albabtain.
Based: Riyadh
Offices: UAE, Vietnam and Germany
Founded: September, 2020
Number of employees: 70
Sector: FinTech, online payment solutions
Funding to date: $116m in two funding rounds
Investors: Checkout.com, Impact46, Vision Ventures, Wealth Well, Seedra, Khwarizmi, Hala Ventures, Nama Ventures and family offices
Sholto Byrnes on Myanmar politics
The specs
Engine: 3.0-litre twin-turbo flat-six
Power: 480hp at 6,500rpm
Torque: 570Nm from 2,300-5,000rpm
Transmission: 8-speed dual-clutch auto
Fuel consumption: 10.4L/100km
Price: from Dh547,600
On sale: now
Specs
Engine: Electric motor generating 54.2kWh (Cooper SE and Aceman SE), 64.6kW (Countryman All4 SE)
Power: 218hp (Cooper and Aceman), 313hp (Countryman)
Torque: 330Nm (Cooper and Aceman), 494Nm (Countryman)
On sale: Now
Price: From Dh158,000 (Cooper), Dh168,000 (Aceman), Dh190,000 (Countryman)
Red flags
- Promises of high, fixed or 'guaranteed' returns.
- Unregulated structured products or complex investments often used to bypass traditional safeguards.
- Lack of clear information, vague language, no access to audited financials.
- Overseas companies targeting investors in other jurisdictions - this can make legal recovery difficult.
- Hard-selling tactics - creating urgency, offering 'exclusive' deals.
Courtesy: Carol Glynn, founder of Conscious Finance Coaching
ICC T20 Rankings
1. India - 270 ranking points
2. England - 265 points
3. Pakistan - 261 points
4. South Africa - 253 points
5. Australia - 251 points
6. New Zealand - 250 points
7. West Indies - 240 points
8. Bangladesh - 233 points
9. Sri Lanka - 230 points
10. Afghanistan - 226 points
What can victims do?
Always use only regulated platforms
Stop all transactions and communication on suspicion
Save all evidence (screenshots, chat logs, transaction IDs)
Report to local authorities
Warn others to prevent further harm
Courtesy: Crystal Intelligence
Buy farm-fresh food
The UAE is stepping up its game when it comes to platforms for local farms to show off and sell their produce.
In Dubai, visit Emirati Farmers Souq at The Pointe every Saturday from 8am to 2pm, which has produce from Al Ammar Farm, Omar Al Katri Farm, Hikarivege Vegetables, Rashed Farms and Al Khaleej Honey Trading, among others.
In Sharjah, the Aljada residential community will launch a new outdoor farmers’ market every Friday starting this weekend. Manbat will be held from 3pm to 8pm, and will host 30 farmers, local home-grown entrepreneurs and food stalls from the teams behind Badia Farms; Emirates Hydroponics Farms; Modern Organic Farm; Revolution Real; Astraea Farms; and Al Khaleej Food.
In Abu Dhabi, order farm produce from Food Crowd, an online grocery platform that supplies fresh and organic ingredients directly from farms such as Emirates Bio Farm, TFC, Armela Farms and mother company Al Dahra.
Spider-Man%202
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MATCH INFO
Chelsea 3 (Abraham 11', 17', 74')
Luton Town 1 (Clark 30')
Man of the match Abraham (Chelsea)
Surianah's top five jazz artists
Billie Holliday: for the burn and also the way she told stories.
Thelonius Monk: for his earnestness.
Duke Ellington: for his edge and spirituality.
Louis Armstrong: his legacy is undeniable. He is considered as one of the most revolutionary and influential musicians.
Terence Blanchard: very political - a lot of jazz musicians are making protest music right now.
PRISCILLA
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