Local News
لِندو تُؤمِّن تمويلًا بقيمة 690 مليون دولار: ريادة في تمويل الشركات الصغيرة والمتوسطة
الرياض – مع تزايد زخم قطاع التكنولوجيا المالية في السعودية، عزّزت لِندو مكانتها كأحد أبرز روّاد هذا المجال من خلال تأمين تمويل بقيمة 690 مليون دولار من بنك جيه بي مورغان. يُمثل هذا الإنجاز خطوة استراتيجية مهمة تُعزز دور التكنولوجيا المالية في توسيع نطاق التمويل المخصص للشركات الصغيرة والمتوسطة، وتدعم توجه المملكة نحو قطاع مالي مبتكر يعتمد على الحلول الرقمية.
أكد أسامة الراعيّ، الرئيس التنفيذي والمؤسس المشارك لشركة لِندو، أن هذه الصفقة ليست مجرد دفعة مالية، بل هي اعتراف عالمي بقدرات قطاع التكنولوجيا المالية السعودي. وأشار إلى أن الحصول على تمويل من إحدى أكبر المؤسسات المالية في العالم يُجسد الثقة الدولية في الإطار التنظيمي للمملكة ونهجها المبتكر في القطاع المالي.
وقال الراعيّ: “هذه الاتفاقية تُعزز تأثيرنا بشكل كبير، إذ تُمكننا من توسيع قدراتنا التمويلية لدعم الشركات الصغيرة والمتوسطة في السعودية على نطاق أوسع. ونتوقع أن يُسهم هذا التوسع مباشرة في خلق أكثر من 18,000 وظيفة جديدة، مما يعكس التزام لِندو بدعم التنمية الاقتصادية وتحقيق مستهدفات رؤية 2030”.
تعزيز النمو في سوق متنامية
شهد سوق تمويل الشركات الصغيرة والمتوسطة في السعودية نموًا هائلًا من 100 مليار ريال في 2018 إلى 250 مليار ريال اليوم، ويرى الرعيّ أن الفرص المتاحة ما زالت ضخمة. وتسعى خطة تطوير القطاع المالي إلى زيادة نسبة تمويل الشركات الصغيرة والمتوسطة إلى 20% من إجمالي القروض المصرفية بحلول عام 2030، وهو ما تُمكن لِندو من تحقيقه من خلال حلولها التمويلية القائمة على التكنولوجيا المالية.
وأضاف الراعيّ: “نحن لا نتحدث فقط عن النمو، بل نبني بنية تحتية تمكّن من تحقيقه. كل معاملة تمويلية لدينا تعني دعم شركة محلية يمكنها التوسع، التوظيف، والمساهمة في التحول الاقتصادي. منصتنا لا تملأ فجوة التمويل فحسب، بل تعيد تعريف كيفية حصول الشركات على رأس المال في السعودية”.
كيف تُحدث لِندو ثورة في الإقراض التقليدي؟
على عكس القروض المصرفية التقليدية، يُوفر نموذج الإقراض الجماعي بالديون الذي تتبناه لِندو طريقة أسرع وأكثر مرونة لتمويل الشركات الصغيرة والمتوسطة. حيث تمر الشركات الراغبة في الحصول على التمويل بعملية تقييم شاملة، وبمجرد الموافقة عليها، يتم تقديم فرصة التمويل إلى شبكة تضم أكثر من 84,000 مستثمر.
وأوضح الراعيّ: “هذا النموذج يُتيح تمويل الشركات الصغيرة والمتوسطة بطريقة أكثر ديمقراطية، حيث لا يعتمد التمويل على مؤسسة واحدة، بل يحصل رواد الأعمال على الدعم من مجموعة كبيرة من المستثمرين، مما يجعل رأس المال أكثر توافرًا. في الوقت نفسه، يمكن للمستثمرين بدء استثماراتهم بمبالغ تبدأ من 1,000 ريال، والاستفادة من فرص استثمارية قصيرة الأجل ومتوافقة مع الشريعة الإسلامية”.
وقد حققت لِندو نتائج ملموسة بالفعل، حيث موّلت أكثر من 2.5 مليار ريال سعودي من خلال 5,000+ معاملة، ووفرت عوائد بقيمة 190 مليون ريال للمستثمرين. ومن المتوقع أن تزداد هذه الأرقام بشكل كبير مع التمويل الجديد.
نمو مستدام وقابل للتوسع
في حين أن العديد من شركات التكنولوجيا المالية تواجه صعوبات في تحقيق الربحية، شدّد الراعيّ على أن نموذج ليندو مُصمم ليكون مستدامًا على المدى الطويل. وقد ساعد النجاح الاقتصادي والاجتماعي الذي حققته الشركة على جذب مستثمرين استراتيجيين مثل صناديق سنابل للاستثمار (PIF) وبنك جيه بي مورغان، مما يُعزز استقرارها المالي ويضمن استمرارية توسعها.
وأكد الراعيّ: “منهجنا في لِندو لا يقتصر على الأرقام فقط، بل يرتكز على الاستدامة. المقياس الحقيقي للنجاح ليس فقط حجم التمويل المُقدَّم، بل أيضًا التأثير الاقتصادي الذي نُحدثه. هذه الاتفاقية ستُمكّننا من خلق 18,000 وظيفة جديدة، وهو ما يعكس التزامنا بدعم بيئة ريادة الأعمال وتمكين الشركات الصغيرة والمتوسطة”.
تركيز على النمو بدلاً من التوسع الجغرافي
عند الحديث عن التوسع الإقليمي أو الدولي، شدّد الرعيّ على أن الأولوية الحالية هي تعميق الأثر داخل المملكة.
وقال الراعي: “لا يزال السوق السعودي يواجه فجوة تمويلية تُقدَّر بـ 500 مليار ريال سعودي، وتركيزنا الأساسي هو سد هذه الفجوة. نحن نُقيّم احتياجات السوق بشكل مستمر، ولكن هدفنا الفوري هو تحقيق أقصى تأثير داخل المملكة من خلال توسيع نطاق الوصول إلى حلول التمويل السريعة، الشفافة، والمتوافقة مع الشريعة الإسلامية”.
التمويل الجديد: نقطة تحول في قطاع التكنولوجيا المالية
أكد الراعيّ أن الاتفاقية مع جيه بي مورغان لا تُعد مجرد إنجاز، بل لحظة حاسمة في مسيرة التكنولوجيا المالية في السعودية. فمن خلال تطوير نموذج تمويلي قابل للتوسع، وسهل الوصول، ومستدام، تُثبت لِندو أن التكنولوجيا المالية ليست مجرد وسيلة لتعطيل التمويل التقليدي، بل هي أداة لتحويل الاقتصادات ودعم رواد الأعمال والمستثمرين على حد سواء.
Local News
Healthy Living: A campaign to promote healthy eating in Saudi schools
The Ministries of Health and Education launched the “Live Healthy Break” campaign to raise awareness among students and parents about the importance of healthy breakfasts and balanced school meals, in line with the goals of Vision 2030.
In a strategic move aimed at building a healthy and vibrant generation, the Saudi Ministry of Health, in collaboration with the Ministry of Education, announced the launch of a national awareness campaign under the slogan “Recess: Live Healthily.” This ambitious campaign aims to promote healthy eating habits and instill sound health practices within the school environment by empowering students and their parents with the information and tools necessary to make school recess a time of health and benefit.
This initiative comes within a broader context aligned with the ambitious goals of the Kingdom's Vision 2030, specifically the Health Sector Transformation Program. The Vision aims to build a vibrant society where individuals enjoy healthy and fulfilling lives by focusing on preventative medicine and raising the average life expectancy of citizens to 80 years. The "Live Healthily" campaign is one of the tools for achieving this goal, targeting children at an early age to instill healthy eating habits that will last a lifetime.
The importance of early intervention in the school environment
The campaign's significance stems from its focus on the school environment, where students spend a significant portion of their day, making it an ideal setting for positively influencing their behavior. Proper nutrition during the school years benefits not only physical growth but also enhances cognitive abilities, concentration, and academic performance. Given the contemporary health challenges posed by the proliferation of fast food and foods high in sugar and fat, guiding children toward healthy choices is crucial to combating diseases like obesity and type 2 diabetes, which are increasingly appearing at younger ages.
Campaign themes and detailed objectives
The “Live Healthy Break” campaign is based on several key pillars, foremost among them reinforcing the importance of breakfast as essential fuel for a busy school day. It also seeks to promote a culture of healthy school breakfasts and improve the breakfast selection habits of parents, students, and teachers. By providing them with the necessary knowledge, the campaign aims to empower them to make informed and sound nutritional decisions that contribute to building a balanced and sustainable diet. These efforts are an integral part of the broader “Live Healthy” initiative, which works to raise health and nutritional awareness across all segments of society.
Expected impact at the national level
This campaign is expected to have a tangible positive impact in both the short and long term. On an individual level, it will contribute to improving students' health and academic performance. On a national level, investing in children's health today is an investment in the Kingdom's future, as it will reduce the burden on the healthcare system and create a more productive and vibrant society capable of achieving its comprehensive development aspirations. This reflects the positive impact of the quality of life programs, which are a cornerstone of Vision 2030.
Local News
Saudi Arabia weather: Cold wave, dust, and a sharp drop in temperature
The National Center for Meteorology forecasts a significant drop in temperatures and dust-laden winds across large areas of Saudi Arabia. Learn more about the details and impacts.
The National Center for Meteorology in Saudi Arabia issued a warning of expected weather fluctuations, predicting that large areas of the Kingdom will witness significant activity in surface winds that will stir up dust and sand, accompanied by a sharp and noticeable drop in temperatures, starting from Tuesday until the end of the week on Thursday.
Record low temperatures
According to the center's statement, minimum temperatures are expected to reach low levels, ranging between 2 degrees Celsius and -2 degrees Celsius in the northern regions, including Tabuk, Al-Jawf, the Northern Borders, Hail, and the northern part of the Madinah region. Other areas will also experience a significant drop, with minimum temperatures ranging between 4 degrees Celsius and 1 degree Celsius in Al-Qassim and the northern parts of the Eastern Province and Riyadh.
Wind activity and dust storms
A wave of active surface winds stirring up dust and sand will begin on Tuesday in the Al-Jawf and Northern Borders regions, gradually extending its effects from Tuesday evening through Wednesday to include the Hail, Al-Qassim, Riyadh, Eastern Province, and Najran regions. The center warned that the impact of these winds will reach the eastern parts of the Asir and Al-Baha regions on Wednesday and Thursday, in addition to the Makkah and Madinah regions, including their coastal areas, potentially reducing horizontal visibility.
The climatic context of winter in the Kingdom
These weather fluctuations are part of the typical winter weather patterns in the Arabian Peninsula, where the Kingdom is affected by cold air masses from the north, leading to a significant drop in temperatures, particularly in the northern and central regions. These periods are known locally as "Shabṭ" and "Al-Aqrab," and are characterized by intense cold. The wind activity accompanying these cold air masses also stirs up dust and sand, a common phenomenon in the Kingdom's desert environment.
Expected impacts and the importance of preparedness
This cold wave is expected to have multiple impacts on daily life. On the health front, those with respiratory illnesses and allergies are advised to take precautions and avoid direct exposure to dust. Health authorities also recommend wearing heavy winter clothing to prevent colds, especially for children and the elderly. Regarding road safety, reduced visibility due to dust requires drivers to be extra vigilant and reduce speed on highways. Air traffic at some regional airports may be slightly affected. Therefore, the National Center of Meteorology urges everyone to follow its weather updates and reports to take necessary precautions and ensure safety.
Local News
The specialist obtains a license to transport radioactive pharmaceuticals by air
King Faisal Specialist Hospital becomes the first hospital in Saudi Arabia to receive a license from the Civil Aviation Authority to transport radioactive pharmaceuticals by air, thus promoting nuclear medicine.
In a landmark move reflecting the growing integration of the health and aviation sectors in Saudi Arabia, the General Authority of Civil Aviation (GACA) announced the awarding of a Dangerous Materials Preparation and Processing (DGPC) certificate to King Faisal Specialist Hospital and Research Centre. This license makes the hospital the first in the Kingdom officially authorized to prepare and ship radiopharmaceuticals via air transport, representing a significant achievement that supports the national healthcare system and reinforces the Kingdom's position as a leading center for advanced medical services.
Background and importance of radiopharmaceuticals
Radiopharmaceuticals are a cornerstone of nuclear medicine, used in precise diagnostic and therapeutic procedures, most notably positron emission tomography (PET) scans, which play a crucial role in detecting and monitoring cancerous tumors, heart disease, and neurological disorders. The greatest challenge in using these materials lies in their physical nature; they have a short radioactive half-life, meaning their effectiveness diminishes rapidly within a few hours. This makes their rapid and safe transport essential to ensure they reach hospitals and patients in a timely manner and at their full potency.
The impact of the license on the health and logistics system
This license will overcome the time and logistical obstacles that previously hindered the distribution of these vital materials. By expediting air transport from their specialized production facility at King Faisal Specialist Hospital in Riyadh to various regions of the Kingdom, a greater number of patients will be able to receive the necessary diagnoses and treatments without delay. This step supports the nuclear medicine system by meeting the growing needs of hospitals and ensuring the continuity of advanced services with high efficiency. It also enhances the efficiency of the medical supply chain by reducing reliance on time-consuming ground transportation.
The certificate was issued after the hospital met all international technical and logistical requirements and standards, in accordance with the executive regulations for civil aviation safety, ensuring the highest levels of safety and compliance with local and international regulations in the transport of these sensitive materials.
Supporting the goals of the Kingdom's Vision 2030
Captain Sulaiman Al-Muhaimidi, Executive Vice President for Aviation Safety and Environmental Sustainability at the General Authority of Civil Aviation (GACA), affirmed that this grant embodies GACA's commitment to its role as an enabler for national entities by providing a regulatory and legislative environment that allows for the transport of hazardous medical materials in accordance with the highest international safety standards. He noted that this collaboration with King Faisal Specialist Hospital & Research Centre (KSRelief) is a model of integrated work that contributes to achieving the goals of the Kingdom's Vision 2030 in the health and logistics sectors.
For her part, Dr. Jackie Ying, Executive Director of Research and Innovation at King Faisal Specialist Hospital and Research Centre, explained that obtaining this license reflects the hospital's high level of preparedness and its technical and human capabilities in handling highly sensitive medical products. She added that the hospital's Cyclotron and Radiopharmaceuticals Department has produced more than 30 radiopharmaceuticals and administered over 800,000 doses, confirming its leadership in this field at the regional level.
-
Reports 3 days ago
Achievements of Saudi government sectors in 2025
-
Local news two weeks ago
FDA warns of contaminated Nestle infant formula | Recall details
-
Technology 4 weeks ago
Artificial intelligence regulations in Saudi education and student data protection
-
Technology 4 weeks ago
US ban on drones: reasons and consequences
-
Sports 4 weeks ago
Salah leads Egypt to a thrilling comeback against Zimbabwe in the Africa Cup of Nations
-
Technology 4 weeks ago
SRMG and Snapchat partnership: The future of digital media in the Middle East
-
Technology 4 weeks ago
Saudi Arabia's Ministry of Islamic Affairs is employing artificial intelligence in public speaking
-
Sports 4 weeks ago
Napoli win the Italian Super Cup in Riyadh for the third time (2025)