Videos
We went deep inside the Indian Ocean in a boat to see the dolphins in the ocean. A dolphin obliged us by jumping into the air from the water in a somersault. It’s awesome!
While in our trip deep into Indian Ocean, we encountered a school of dolphins swimming past our boat. It was amazing!
Images
The moment the date palm trees bloom, it is a warning sign to all from nature that – the summer has arrived. It is now the start of a new season, a new cycle. Slowly, the now flowered dates will develop, grow, and ripe as the summer reaches its peak. In Iraq, summer is very dry, and hot with day time temperature shooting beyond 50 degrees Celsius. I like any blossoming as it heralds a new life, a new hope despite all odds. It’s a harbinger of new beginning!
Galleries
This gallery contains 5 photos.
This gallery contains 16 photos.
Links
Rural Consumers in MENA: Myths and Facts about a Forgotten Consumer Segment
With a population of over 171 million in the rural Middle East and North Africa, the region represents a large reservoir of labour and a producer of food for the urban sector. Despite not being as well-heeled as their urban counterparts, these rural consumers make up for this with their sheer volume. With the rapid development of internet technology and the push for higher efficiency in agriculture, they may soon become a major consuming force.
Bringing banks to the masses by phone
According to the Central Bank of Iraq, just a fifth of Iraqis have bank accounts, but 70% have mobile phones. Major banking institutions in the country are hoping to close the gap by getting people to open accounts, make payments and transfer cash – all via mobile. Indrajit Roy Choudhury, a banking expert working as a consultant for the state-owned Trade Bank of Iraq, said: “It can be attributed to the long period the country was at war, international sanctions, isolation from the outside world, prevailing security situations, coverage of banks in remote areas.” In addition, most rural Iraqis are paid in cash, with many avoiding the tedious procedures of dealing with the country’s bank branches where queues are long. Others who receive their salaries in cheques typically withdraw the full amount in cash and eschew making deposits or opening an account.
Iraq to bring banks to the masses – by mobile
Just a fifth of Iraqis have bank accounts, but 70 percent have mobile phones, so Baghdad is hoping to close the gap by getting people to open accounts, make payments and transfer cash – all via mobile.
While much of Iraq’s low bank account penetration has to do with a lack of confidence among Iraqis in banks, other factors are also at play.
“It can… be attributed to long period the country was at war, international sanctions, isolation from the outside world, prevailing security situations, coverage of banks in remote areas,” said Indrajit Roy Choudhury, a banking expert working as a consultant for the state-owned Trade Bank of Iraq.
Choudhury added that a lack of modern banking facilities and poor financial literacy among Iraqis’ was also to blame.
In addition, most Iraqis are paid in cash, with many avoiding the tedious procedures of dealing with the country’s bank branches, where queues are long and customers often spend a great deal of time simply in order to deposit funds that they often end up spending within a month.
Others who receive their salaries in cheques typically withdraw the full amount in cash and eschew making deposits or opening an account.
“This situation is changing,” Choudhury noted, pointing out that several banks were opening branches in more of Iraq’s provinces, networking those branches, and coming out with more “customer-oriented products”.
Quotes
“Be still, sad heart! and cease repining;
Behind the clouds is the sun still shining;
Thy fate is the common fate of all,
Into each life some rain must fall”
- Henry Wadsworth Longfellow, The Complete Works of Henry Wadsworth Longfellow
“Who has never killed an hour? Not casually or without thought, but carefully: a premeditated murder of minutes. The violence comes from a combination of giving up, not caring, and a resignation that getting past it is all you can hope to accomplish. So you kill the hour. You do not work, you do not read, you do not daydream. If you sleep it is not because you need to sleep. And when at last it is over, there is no evidence: no weapon, no blood, and no body. The only clue might be the shadows beneath your eyes or a terribly thin line near the corner of your mouth indicating something has been suffered, that in the privacy of your life you have lost something and the loss is too empty to share.”
― Mark Z. Danielewski, House of Leaves








