Adnan Zubairi is the chief executive of DXBuy, a B2B e-commerce platform for small and medium-sized businesses in the retail, trade and food & beverage sectors. Mr Zubairi, 34, founded the start-up with his brother Rizwan last year and the site has been available to all UAE businesses since May. The Indian-born entrepreneur is also the co-founder and managing director of Zubairi Plastics Industry, an Ajman manufacturing company. He moved to the Emirates in 2008 and currently lives in Sharjah with his wife; two sons, ages five and two; and parents.
How did your upbringing shape your attitude towards money?
As you mature, you need to slow down, take a more measured approach, start savings sooner than later. But I think when you're young, just jump.
I was brought up in Hyderabad in India. It had its fair share of advantages in terms of valuing money. I saw a lot of poverty around and knew that money doesn’t come easy. The struggle is real for millions of people out there, so it taught me humility and modesty.
But my means were never too restricted. We had our own home and family car. Even though we were considered middle class, having the opportunity to witness the less fortunate made us feel that we were living a luxurious life.
My father really worked hard to make sure he gave us a comfortable lifestyle. He started his own manufacturing company, then expanded and had two companies later on. That’s how we took the initiative; that’s the learning experience that we took from our father.
What was your first job?
Since childhood, I had this desire to be an entrepreneur. I remember when I was just 13, I used to sell computer games to kids in our neighbourhood. And when I went to high school in early 2000 and mobile phones were becoming the new trend, I used to trade those as well.
As a full-time job, I briefly worked for a Business Process Outsourcing unit for a US-based company in Hyderabad. I was paid nearly $350 (Dh1,285) a month. And I was quite happy and satisfied because – more than the money – the exposure and experience were really the plus point for me. It was nearly six months and then I moved on and started a couple of small businesses.
What brought you to the UAE?
I wanted to be entrepreneurial on a global scale and for that I needed to step out of the comfort zone. Dubai was the primary choice because I was always awestruck by the sheer speed of growth and development as a city.
It was August 2008 that we registered our manufacturing company [Zubairi Plastic Industry] and the global financial crisis started to creep in September and October, and then it peaked in January and February of 2009.
I still remember, we had purchased raw materials at around $1,400 per metric ton and by the time it came in, the prices were already at $1,100 and the next month they went further down. Almost 30-40 per cent of the value purchased was lost in the first three months of the business.
So that was the biggest first blow. We were just settling down with the initial teething troubles, and then this kicked in. But it was a good learning experience.
How did you cope financially?
Luckily for us we had financial support from our father. We were almost done with the initial round of investments and then he had to put in another investment – because at that time getting a loan was almost impossible. That’s how we survived. We’ve grown that business from a small start-up with four employees to nearly 85 to 90 people now.
What led you to start DXBuy?
With technological advancements, we've seen e-commerce grow phenomenally in terms of business-to-consumers. And in the markets that we cater to, we saw a good space available in business-to-business (B2B), which is a relatively untapped market in the UAE. In India, Udaan is one of the prominent B2B players in e-commerce and it's considered one of the fastest start-ups to get unicorn status of $1 billion valuation. In China, obviously there's Alibaba and you have Amazon in the US, which has started a business division for B2B.
We went live in the beta phase in December 2019 and in less than six months, we had more than 2,000 businesses with us. The traction has been quite encouraging.
How has Covid-19 affected your business?
Fortunately, it came as a booster for us. We were just in the third month of operations, we were still in a beta phase and suddenly there were a lot of disruptions in the supply chain. And as an e-commerce company, we were available. Our revenue jumped from February to March by close to 60 per cent.
Are you a spender or a saver?
I think of myself as someone who maintains a balance. I don’t spend too aggressively, unless I’m travelling or when I’m on a holiday – that’s when I forget my limits. I won’t compromise on the quality of my life or my children's lives, and occasionally splurge on some luxuries as well. However, I do put in a conscious effort to ensure that I never exceed my needs.
What luxuries are important to you?
I’m not someone who holds luxury very dear. For me, time is a luxury right now. I’ve had a busy work life for many years now and I need to work on having more leisure time.
What kind of car do you drive?
I like German cars so I have a BMW sedan and a Porsche. The BMW sedan was one of my first cars ever and I still have it and I love it.
How do you save?
I don’t have a concrete, sustained savings plan as such. But the plan is to diversify. I invested in some real estate in Ajman, as well as some gold. The gold investment really paid off, but the real estate didn’t do well. I would also like to explore cryptocurrency.
Do you have any financial regrets?
I do have one. I founded a Halal travel start-up [in 2016] and several months into that, I realised it’s not scaling in the way it was expected. So it was becoming extremely challenging. That set me back almost $100,000.
Do you have a retirement plan?
Retirement is not something I’m keen on. I want to be active as long as possible. My ambition is to have financial independence by 40 and then dedicate my time to working towards more meaningful causes that will have a positive social impact. Education is something I’d really like to explore.
What financial advice would you offer your younger self?
If I go back 10-12 years into my career – for me, personally, I’ve been a medium category risk taker – I would tell my younger self to be more aggressive in terms of taking risks. I believe you have to fall to rise, you need to jump to fly, you need to take that leap of faith with full confidence. Don’t be afraid to make mistakes, because you have a long way ahead to correct your mistakes. As you mature, you need to slow down, take a more measured approach, start savings sooner rather than later. But I think when you’re young, just jump.
SHAITTAN
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Living in...
This article is part of a guide on where to live in the UAE. Our reporters will profile some of the country’s most desirable districts, provide an estimate of rental prices and introduce you to some of the residents who call each area home.
How to register as a donor
1) Organ donors can register on the Hayat app, run by the Ministry of Health and Prevention
2) There are about 11,000 patients in the country in need of organ transplants
3) People must be over 21. Emiratis and residents can register.
4) The campaign uses the hashtag #donate_hope
Wicked: For Good
Director: Jon M Chu
Starring: Ariana Grande, Cynthia Erivo, Jonathan Bailey, Jeff Goldblum, Michelle Yeoh, Ethan Slater
Rating: 4/5
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Milestones on the road to union
1970
October 26: Bahrain withdraws from a proposal to create a federation of nine with the seven Trucial States and Qatar.
December: Ahmed Al Suwaidi visits New York to discuss potential UN membership.
1971
March 1: Alex Douglas Hume, Conservative foreign secretary confirms that Britain will leave the Gulf and “strongly supports” the creation of a Union of Arab Emirates.
July 12: Historic meeting at which Sheikh Zayed and Sheikh Rashid make a binding agreement to create what will become the UAE.
July 18: It is announced that the UAE will be formed from six emirates, with a proposed constitution signed. RAK is not yet part of the agreement.
August 6: The fifth anniversary of Sheikh Zayed becoming Ruler of Abu Dhabi, with official celebrations deferred until later in the year.
August 15: Bahrain becomes independent.
September 3: Qatar becomes independent.
November 23-25: Meeting with Sheikh Zayed and Sheikh Rashid and senior British officials to fix December 2 as date of creation of the UAE.
November 29: At 5.30pm Iranian forces seize the Greater and Lesser Tunbs by force.
November 30: Despite a power sharing agreement, Tehran takes full control of Abu Musa.
November 31: UK officials visit all six participating Emirates to formally end the Trucial States treaties
December 2: 11am, Dubai. New Supreme Council formally elects Sheikh Zayed as President. Treaty of Friendship signed with the UK. 11.30am. Flag raising ceremony at Union House and Al Manhal Palace in Abu Dhabi witnessed by Sheikh Khalifa, then Crown Prince of Abu Dhabi.
December 6: Arab League formally admits the UAE. The first British Ambassador presents his credentials to Sheikh Zayed.
December 9: UAE joins the United Nations.
New UK refugee system
- A new “core protection” for refugees moving from permanent to a more basic, temporary protection
- Shortened leave to remain - refugees will receive 30 months instead of five years
- A longer path to settlement with no indefinite settled status until a refugee has spent 20 years in Britain
- To encourage refugees to integrate the government will encourage them to out of the core protection route wherever possible.
- Under core protection there will be no automatic right to family reunion
- Refugees will have a reduced right to public funds
Going grey? A stylist's advice
If you’re going to go grey, a great style, well-cared for hair (in a sleek, classy style, like a bob), and a young spirit and attitude go a long way, says Maria Dowling, founder of the Maria Dowling Salon in Dubai.
It’s easier to go grey from a lighter colour, so you may want to do that first. And this is the time to try a shorter style, she advises. Then a stylist can introduce highlights, start lightening up the roots, and let it fade out. Once it’s entirely grey, a purple shampoo will prevent yellowing.
“Get professional help – there’s no other way to go around it,” she says. “And don’t just let it grow out because that looks really bad. Put effort into it: properly condition, straighten, get regular trims, make sure it’s glossy.”
Dust and sand storms compared
Sand storm
- Particle size: Larger, heavier sand grains
- Visibility: Often dramatic with thick "walls" of sand
- Duration: Short-lived, typically localised
- Travel distance: Limited
- Source: Open desert areas with strong winds
Dust storm
- Particle size: Much finer, lightweight particles
- Visibility: Hazy skies but less intense
- Duration: Can linger for days
- Travel distance: Long-range, up to thousands of kilometres
- Source: Can be carried from distant regions
ENGLAND SQUAD
Joe Root (c), Moeen Ali, Jimmy Anderson, Jonny Bairstow, Stuart Broad, Jos Buttler, Alastair Cook, Sam Curran, Keaton Jennings, Ollie Pope, Adil Rashid, Ben Stokes, James Vince, Chris Woakes
The specs
- Engine: 3.9-litre twin-turbo V8
- Power: 640hp
- Torque: 760nm
- On sale: 2026
- Price: Not announced yet
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UAE currency: the story behind the money in your pockets
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Terror attacks in Paris, November 13, 2015
- At 9.16pm, three suicide attackers killed one person outside the Atade de France during a foootball match between France and Germany
- At 9.25pm, three attackers opened fire on restaurants and cafes over 20 minutes, killing 39 people
- Shortly after 9.40pm, three other attackers launched a three-hour raid on the Bataclan, in which 1,500 people had gathered to watch a rock concert. In total, 90 people were killed
- Salah Abdeslam, the only survivor of the terrorists, did not directly participate in the attacks, thought to be due to a technical glitch in his suicide vest
- He fled to Belgium and was involved in attacks on Brussels in March 2016. He is serving a life sentence in France
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Various Artists
Habibi Funk: An Eclectic Selection Of Music From The Arab World (Habibi Funk)
THE SPECS
Engine: 6.75-litre twin-turbocharged V12 petrol engine
Power: 420kW
Torque: 780Nm
Transmission: 8-speed automatic
Price: From Dh1,350,000
On sale: Available for preorder now
Wenger's Arsenal reign in numbers
1,228 - games at the helm, ahead of Sunday's Premier League fixture against West Ham United.
704 - wins to date as Arsenal manager.
3 - Premier League title wins, the last during an unbeaten Invincibles campaign of 2003/04.
1,549 - goals scored in Premier League matches by Wenger's teams.
10 - major trophies won.
473 - Premier League victories.
7 - FA Cup triumphs, with three of those having come the last four seasons.
151 - Premier League losses.
21 - full seasons in charge.
49 - games unbeaten in the Premier League from May 2003 to October 2004.
How to apply for a drone permit
- Individuals must register on UAE Drone app or website using their UAE Pass
- Add all their personal details, including name, nationality, passport number, Emiratis ID, email and phone number
- Upload the training certificate from a centre accredited by the GCAA
- Submit their request
What are the regulations?
- Fly it within visual line of sight
- Never over populated areas
- Ensure maximum flying height of 400 feet (122 metres) above ground level is not crossed
- Users must avoid flying over restricted areas listed on the UAE Drone app
- Only fly the drone during the day, and never at night
- Should have a live feed of the drone flight
- Drones must weigh 5 kg or less
PROVISIONAL FIXTURE LIST
Premier League
Wednesday, June 17 (Kick-offs uae times) Aston Villa v Sheffield United 9pm; Manchester City v Arsenal 11pm
Friday, June 19 Norwich v Southampton 9pm; Tottenham v Manchester United 11pm
Saturday, June 20 Watford v Leicester 3.30pm; Brighton v Arsenal 6pm; West Ham v Wolves 8.30pm; Bournemouth v Crystal Palace 10.45pm
Sunday, June 21 Newcastle v Sheffield United 2pm; Aston Villa v Chelsea 7.30pm; Everton v Liverpool 10pm
Monday, June 22 Manchester City v Burnley 11pm (Sky)
Tuesday, June 23 Southampton v Arsenal 9pm; Tottenham v West Ham 11.15pm
Wednesday, June 24 Manchester United v Sheffield United 9pm; Newcastle v Aston Villa 9pm; Norwich v Everton 9pm; Liverpool v Crystal Palace 11.15pm
Thursday, June 25 Burnley v Watford 9pm; Leicester v Brighton 9pm; Chelsea v Manchester City 11.15pm; Wolves v Bournemouth 11.15pm
Sunday June 28 Aston Villa vs Wolves 3pm; Watford vs Southampton 7.30pm
Monday June 29 Crystal Palace vs Burnley 11pm
Tuesday June 30 Brighton vs Manchester United 9pm; Sheffield United vs Tottenham 11.15pm
Wednesday July 1 Bournemouth vs Newcastle 9pm; Everton vs Leicester 9pm; West Ham vs Chelsea 11.15pm
Thursday July 2 Arsenal vs Norwich 9pm; Manchester City vs Liverpool 11.15pm
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UAE currency: the story behind the money in your pockets
'Skin'
Dir: Guy Nattiv
Starring: Jamie Bell, Danielle McDonald, Bill Camp, Vera Farmiga
Rating: 3.5/5 stars
UAE currency: the story behind the money in your pockets
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KILLING OF QASSEM SULEIMANI
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Greatest of All Time
Starring: Vijay, Sneha, Prashanth, Prabhu Deva, Mohan
White hydrogen: Naturally occurring hydrogen
Chromite: Hard, metallic mineral containing iron oxide and chromium oxide
Ultramafic rocks: Dark-coloured rocks rich in magnesium or iron with very low silica content
Ophiolite: A section of the earth’s crust, which is oceanic in nature that has since been uplifted and exposed on land
Olivine: A commonly occurring magnesium iron silicate mineral that derives its name for its olive-green yellow-green colour
