Welcome to season two of Economic Impact, conversations from Emirates Development Bank (EDB), the key financial engine for economic development and industrial advancement of the UAE. In each instalment CEO Ahmed Al Naqbi leads insightful discussions with change-makers and thought-leaders in the UAE to learn how they’re contributing to the nation’s economy and realising the UAE’s economic ambitions.
In this first episode of this new season we're joined by the CEO of Sharjah Entrepreneurship Center SHERAA, Ms. Najla Al Midfa who joined Ahmed to discuss her career and to examine her passion for entrepreneurship...
You can listen to 'Economic Impact' wherever you get your podcasts. Plus, you can watch ‘Economic Impact’ on the EDB website, edb.gov.ae, and on Youtube. Subscribe and like us on Facebook, Instagram and LinkedIn - and let us know what you think…
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Speaker 1: HOST
Speaker 2: GUEST
00:00:00 INTRO V/O
“This is Economic Impact...Conversations from Emirates Development Bank”.
00:00:05 Speaker 1
A’Salaam A’laikoom. Welcome to Economic Impact - this is conversations with Emirates Development Bank. Today we have a very special guest…I'd like to welcome Ms. Najla Al Midfa, the CEO of Sheraa, Sharjah Entrepreneurship Center. Welcome Ms. Najla…
00:00:19 Speaker 2
Thank you, Ahmed, it's great to be here.
00:00:21 Speaker 1
Thank you, Najla. Could we start by maybe understanding a bit more about your journey, how you reached Shira? I'm sure it was a very long career and there was a lot of different paths that were taken that took you to the point of where you are now…
00:00:36 Speaker 2
It was, er, it’s been an interesting journey, Ahmed. And you know, when I look back and I reflect on my journey, I do so with a lot of gratitude for the supporters and the mentors that I've had on the way. You know, I always say that if I've been successful, it's because I've stood on the shoulders of giants. And so as I, as I think back on, on that journey, again, lots to be grateful for and very privileged to have had the opportunities that I did have…
00:01:04 Speaker 2
I grew up here in the UAE and went to university for my bachelors in the UK, decided to study computer science. This is back in the 90s…simply because in those days we didn't really have much career guidance and so there was…
00:01:20 Speaker 1
I'd echo that.
00:01:23 Speaker 2
Yeah….and so there was this thing called the Internet which I enjoyed using and I thought well, so I should really study computer science based on that.
00:01:28 Speaker 2
So again, as, as I think back on my career, I realized a lot of it was a bit serendipitous…
00:01:34 Speaker 1
Yes…
00:01:35 Speaker 2
…even when I came back to the UAE, decided to work in the private sector. I'm talking about 2000 and in those days, most Emirati graduates were looking for opportunities in the government sector.
00:01:48 Speaker 2
But decided that for whatever reason, through conversations that I had had with a few mentors that the private sector was the right place to start. And I started actually across the road from where we're sitting today at Emirates Towers at PriceWaterhouse Coopers. And they often say that your early career, your first jobs, don't really have much impact, or influence, on your career path. But frankly, I look back at those early years, my time as a consultant at PwC, my time as an analyst at Shell as quite pivotal in my career in the sense that it gave me sort of access.
00:02:24 Speaker 2
Or rather, a toolkit that I, that has really served me well throughout my career, especially being part of these global companies and more importantly also gave me access to team members and again managers who I now can still consider mentors. And I'm still in touch with, even at this stage in my career.
00:02:45 Speaker 2
And so, I started off at PwC and then moved into the energy industry at Shell, downstream.
00:02:52 Speaker 2
And then went on to do my MBA in the US in Silicon Valley, and many people mistakenly assume that, ah, it's your time at Silicon Valley that influenced you to move into the entrepreneurial ecosystem. Ironically, it's not. I was at. I was in Silicon Valley but not at all engaged with the entrepreneurship scene at the time, I was still very focused on really making it as a consultant. For me, my dream was always to work at one of the top tier consulting firms and post my time at, at Stanford actually applied to McKinsey and spent a couple of years in New York.
00:03:13
Right.
00:03:31 Speaker 2
Working at the firm again two years that I consider, you know, tough, they were tough, challenging years, but very rewarding in terms of the learning that I got out of them.
00:03:43 Speaker 2
I then returned to the UAE back in 2010 and joined Khalifa Fund and, and that's really where my first step into the world of entrepreneurship.
00:03:53 Speaker 2
And, and in those days it's. It's funny to think about it right now, but in those days we spent a lot of our time actually doing awareness session, sessions on what entrepreneurship was…
00:04:04 Speaker 1
Entrepreneurship is, yeah.
00:04:06 Speaker 2
…because not a lot of people understood what we were talking about when we said the word entrepreneurship. And so to, you know, have had the privilege of seeing the ecosystem go from a time when barely anyone knew what entrepreneurship was to nowhaving unicorns announced almost on a monthly basis. You know, most recently we had Tamara prior to that the previous month, Tabby. So it's, it's amazing to see how much the ecosystem has developed and all credit really goes to the leadership of our country and the leaders in the region that have really helped establish this, this region, and specifically the UAE, as a hub for entrepreneurs.
00:04:44 Speaker 2
My time at Khalifa fund gave me an opportunity to use the toolkits that I had developed early in my career as a consultant and not just use it to develop slides, but also to use it to actuallysee the business come to life. So, it was one thing to work on the business plan, but we didn't stop there, right? We actually had to support these businesses as they set up the, these entrepreneurs rather, as they set up their businesses.
00:05:10 Speaker 2
And it was a really fulfilling feeling to be able to then see these businesses come to life. And then around 2014 or 2015, I took a sabbatical and decided that I wanted to spend some time mentoring young Emiratis. So when I think back to my time at, you know, PwC, at Shell in the private sector. I was always either the only Emirati there or one of a handful of Emiratis in the company that's has, that has changed a lot. Now, obviously I recently visited PwC and I think they have over 100 Emiratis now, but I really wanted to be able to play a bridge between young Emiratis and the private sector, and so I spent a year basically working on a non-profit initiative called Khairat, the idea being to work with Emirati students to help them get access to internships and full time jobs at top tier companies and I was really proud over that, the course of that one year, 1 1/2 years to have placed over 100 Emiratis in you know companies such as BCG at companies such as IBM and so on.
00:06:18 Speaker 2
And…and then fast forward to around 2015 - and this is a story I love to tell - is I was actually hiking Mount Kilimanjaro with a group of friends. And among them was Her Excellency Sheikha Bodour Al Qasimi. And as we had reached the summit, and on the way down from the summit, we were talking a lot about a topic that was discussed a lot in those days, which is youth unemployment in the region, in the MENA region and how entrepreneurship could potentially be a solution to that.
00:06:50 Speaker 2
And one of the things that she said is we've, you know, over the last 20 years, His Highness has really developed a world class University City in Sharjah and you've got this critical mass of talent. But there wasn't really an entrepreneurial platform to help them start their own ventures. And so in 2016,
00:07:11 Speaker 2
under the chairmanship and with the vision of Sheikh Abdullah Al Qasimi, we established the Sharjah Entrepreneurship Center, also known as Sheraa,to really provide a platform for talent in Sharjah to not only start, but to grow their businesses in the emirate.
00:07:27 Speaker 1
That's a very interesting thought that you have about the, the fact that Sharjah, as a cultural hub in the UAE, has this university platform which has been churning out fantastic talent for many, many years.
00:07:38 Speaker 2
It has.
00:07:40 Speaker 1
And then to create a pipeline directly from that into entrepreneurship, because there is, there isn't this never-ending pipeline of jobs that can be provided by the government or provided by even large corporations, so to speak. Could you maybe elaborate a bit more about that relationship with the universities? I'm very curious to know…
00:07:59 Speaker 1
So, so the university students themselves.
00:08:02 Speaker 1
Because some of the best, or let's say largest companies, corporations of the world today were, were founded by university students actually during…
00:08:08 Speaker 2
True, yes, yes.
00:08:09 Speaker 1
…their, their, their tenure in these universities. So, I'm very interested to, to understand a bit more about how that works in the university ecosystem.
00:08:15 Speaker 2
Yes, we were very lucky to have His Highness, Doctor Shaikh Sultan’s support from day one and we actually have hubs at the American University of Sharjah and the University of Sharjah, which provides us with the opportunity to work closely with the, with the students, but also with the professors. And so, when it comes to building that young talent, what, one of the things we're focused on is giving them the entrepreneurial mindset.
00:08:44 Speaker 2
What we like to say is entrepreneurship is not a linear journey. It's not as simple as you graduate, you come up with an idea, you go through a three month program. You, you know, you come out the other end, you get a check from an investor.
00:08:55 Speaker 2
Sure it's, you know, it may be the top one or 2% that are able to do that…
00:08:59 Speaker 1
Right.
09:00:00 Speaker 2
…but in general, entrepreneurship is a bit of a, a roller-coaster. It's a bit of a messy journey. You start, you try, it doesn't work out, you come back with the new idea, you start again, you try and so on. And so, what we have really focused on with the professor is, is really providing the students with the entrepreneurial mindset.
00:09:17 Speaker 2
The way we do that, we actually, I don't know if a lot of people know this, but the Ministry of Education in the UAE has mandated that every student in universities across the UAE must take at least one entrepreneurship course. It's a requirement…
00:09:32 Speaker 1
OK.
00:09:33 Speaker 2
…and so what we do is we work closely with the universities to deliver that course, right. So, while the university the professor is providing the academic side of that course, what we're doing is bringing in the real-life stories, bringing in entrepreneurs who have succeeded as guest speakers.
00:09:49 Speaker 2
Using case studies, doing workshops on you know, for example, idea generation or idea validation or business model canvas and so on, and so that's how we work closely with the with the professors to ensure that the students have that entrepreneurial mindset. And then the other thing that we do is for students who are serious about then taking that for a step into the world of entrepreneurship. We run a summer incubator program…
00:10:14 Speaker 1
OK.
00:10:15 Speaker 2
…called Startup Dojo, which is about an 8 week program, where they come in with an idea and over the course of those eight weeks, we're helping them validate the idea to ensure that, A). the, the gap that they're trying to address in the market is a gap that exists, it's a, it's a sizable gap and that the solution that they've come up with really does address that problem. And so that's,
00:10:39 Speaker 2
that's what we do in terms of Startup DoJo, and that for us, if you like, is a bit of a pre-accelerator or a pre-incubator…the first step towards then getting up, getting into our flagship incubator program which is S3, which is a much longer program that takes 6 to 8 months or so.
00:10:55 Speaker 1
Interesting.
00:10:57 Speaker 1
I've always thought about this. I've always thought about the entrepreneurs, successful entrepreneurs versus entrepreneurs who maybe today enter the field because it is a buzzword today. It reminds me when you told me about the 2010, where the word entrepreneurship…
00:11:11 Speaker 2
Yes, yes, yes.
00:11:13 Speaker 1
…was not a part of the lexicon, similar to that was the word innovation and it was actually not a part of the lexicon. And then slowly it started to become something that most organizations started to look at. My curiosity is with the individuals themselves. What do you find to be kind of the key elements? Of course, you have your natural, gifted abilities…
00:11:31 Speaker 2
Sure, sure.
00:11:32 Speaker 1
… that some individuals might have, but from what I'm hearing from you, essentially that it's something that can be taught and practiced…
00:11:37 Speaker 2
Yes, yeah, yeah.
00:11:38 Speaker 1
…and over time you can, you can somewhat master being an entrepreneur. So, what are the key elements that you look for in an individual? I'm sure anybody can basically sign up and register…
00:11:48 Speaker 2
Sure, sure. Yes.
00:11:49 Speaker 1
…for these programs, but what have you found to be kind of the recipe for success in individuals that that are going into this field?
00:11:55 Speaker 2
So I…by the way I get asked this question a lot. Is it, it's nature versus nurture, right? And I think it's a combination of both, if I'm honest, you do need to have this natural drive and curiosity and resilience.
00:12:07 Speaker 1
Resilience, yes.
00:12:09 Speaker 2
And that's something that, you know, you learn with life, but if you don't have it, it is going to be very difficult to go on this entrepreneurial journey. And I think that's when I, you know, you talk about how entrepreneurship has now become a buzzword, which is obviously great on the one side because you have a lot of young talent or, or, you know, mature talent that wants to get into the entrepreneurial scene.
00:12:32 Speaker 2
But with that, we also need to be very realistic about how challenging the journey can be, and that's one of the things that we try to talk about upfront is that you will need this resilience and you will need the passion to keep going, especially when you hit these difficult times and there will be difficult times. But then when you talk about what it is that we look for, assuming they have all of those characteristics, what do we look for when we are selecting our entrepreneurs?
00:12:58 Speaker 2
There's what we look for on the business side as an idea and what we look for in the person. And I would say 80% is really the person because the business idea can obviously be adapted over time. And you can pivot, you can, you know, figure out the right solution to the problem that you're solving. But the, the one, I would say, trait, that we look for when we're selecting our entrepreneurs is coachability…
00:13:23 Speaker 1
Right.
00:13:24 Speaker 2
…because a lot of entrepreneurs - again, that passion is a double-edged sword. It's one, it's great to be passionate about your idea, but you need to be open to feedback, whether it's from entrepreneur as other entrepreneurs, whether it's from customers, whether it's from investors, whether it's from supporters such as us. And if you're not open to that feedback, you know you're basically constantly finding yourself hitting a wall. And so, it's, it's very difficult for us to work with entrepreneurs who aren't open to,
00:13:54 Speaker 2
you know, listening to that feedback and making those adjustments and and, and conversely the ones who are and who are a lot more coachable, we found have actually improved their odds of succeeding.
00:14:08 Speaker 1
Very interesting and…and makes complete sense. I would, I would find it difficult to understand, but I can completely see what you're saying. That self-awareness that that entrepreneurs should have, because if you're going into these programs and you know there should be the recognition that I'm going into this program to come out better, not because I'm already at a certain point…
00:14:28 Speaker 2
Exactly, absolutely.
00:14:29 Speaker 1
…where I don't need this program, then what's the point of joining them. Another aspect that I've thought of, you know, with entrepreneurs is their choice of business. Sometimes it comes from passion. Sometimes it comes from, maybe, innovation. I've always wondered what is the recipe for success in the choice of business? Is it a gap in the market? Is it finding the disruptor? Is it maybe going with the run-of-the-mill business, which is your sturdy, you know, you know, kind of ‘you don't have to reinvent the wheel style business’?
00:15:02 Speaker 2
Yeah, I don't think there's any right or wrong answer. I think we have seen a lot of businesses that have obviously succeeded by adapting a model that has worked in other parts of the world to the region, we've had other entrepreneurs that have found a problem that they have personally faced and wanted to come up with a solution to address that and we found other entrepreneurs that have worked in certain industries, gotten to know these industries really well;
00:15:29 Speaker 2
understood where there was room for innovation or improvement; and, have built a solution to address that. I would say one of the things that we do is now also work closely with corporates to set challenges for the entrepreneurs.
00:15:43 Speaker 2
The reason that makes it interesting for the entrepreneurs is because you know that once you've come up with that business, you actually have a potential customer…
00:15:51 Speaker 1
Customer, absolutely.
00:15:52 Speaker 2
…on day one. And so, what we would do is, we've, we've come up with a challenge called the Access Sharjah Challenge and this year, if I give you an example of this year being the year of sustainability, we worked with BEEAH and Sharjah Sustainable City to set challenges in the sustainability space and I'll give you the example of BEEEAH. BEEAH set a challenge that said, you know, we still struggle a little bit in in the country with a culture of sorting waste at source.
00:16:22 Speaker 2
So, even if you do have these bins that are separated and so on, people still tend to put all of their bin in, all their of their waste, in one place, and so there's a lot of work that then goes on at the back end at their end in terms of sorting that waste and so they put out a challenge looking for an innovation or a solution that could help sort waste at source. And we put out that challenge to entrepreneurs not just across the region, but across the world. And the company that won that challenge was a Spanish company, interestingly enough, named Candam, that uses AI and acoustics to sort waste.
00:17:00 Speaker 2
And so, you take an existing bin, you put this hardware on top of that bin and you don't need to do any of the sorting. You just throw your waste into the bin.
00:17:10 Speaker 1
It sorts it.
00:17:11 Speaker 2
And based on what it sounds like, it then sorts it for us. So, this sounds like a glass bottle - so that goes into a particular bin. This sounds like a can - and so that's sorted into a particular bin.
00:17:20 Speaker 2
So, they won that challenge and the reward that came with the challenge was a POC and the opportunity to implement that solution in bins across the University City, in Sharjah, in partnership with BEEAH, and that's happening at the moment, they've got 20 bins that they're working on. And if that works, then there's an opportunity to scale that up across the city again in partnership with BEEAH.
00:17:45 Speaker 2
So coming back to your question, I do think that yes, some entrepreneurs come up naturally or organically with ideas that either they're passionate about because they faced a particular problem, but working closely with the corporates to understand what their challenges are is also a source of ideas for entrepreneurs.
00:18:03 Speaker 1
Very interesting. And that's a very interesting method of going about to create or generate these kinds of concepts or new ideas that can solve problems. What are some of the most interesting that you know, following up on that exact thought, some of the most interesting partnerships that you've seen, whether in the UAE or in the region or globally where you've seen some, some very interesting partnerships maybe between public and private or potentially, you know, large corporates, you know, trying to motivate entrepreneurs to come up with solutions, have you seen anything…I'm sure you've seen a lot?
00:18:35 Speaker 2
Yes, we've, we've seen a lot of them. I mean, again, the Access Sharjah Challenge has been run in various industries. So, we've run it obviously this year again in sustainability. So, we had a similar partnership with Sharjah Sustainable City where they set out a challenge to see how their communities could reduce their carbon footprint. The winner of that challenge was a company called Green Future Project, which is also now implementing their dashboard with Sharjah Sustainable City.
00:19:05 Speaker 2
We've had Access Sharjah Challenges in the in the field of Health-Tech. We've had it in the field of Agri-Tech. We've had it in the field of publishing and Ed-Tech. And so honestly, we've had partnerships across both the private sector and the public sector where we've had the other the other side, being the company, adopt these solutions, but one of the things that we have realized at Sheraa is that we have tended to focus a lot of our training, if you like, on the entrepreneurs.
00:19:38 Speaker 2
But actually there's also a gap on the other side, whether it's a corporate or public sector entity and one of the things we're now doing is actually working with these entities and with their teams to help them understand how to engage with startups and how to adopt these solutions as well. And so again, it’s funny I come back to…
00:19:57 Speaker 1
Very interesting.
00:19:58 Speaker 2
…the same word I used earlier were playing the role of a bridge between these startups and between these entities as well.
00:20:01 Speaker 1
Right.
00:20:05 Speaker 1
Super interesting. That's part of the evolution of Sheraa…and taking us to Sheraa, I could see how it's evolved over the years and especially what you've just mentioned right there where maybe the start of the focus was on the entrepreneurs. But now it's looking at the ecosystem as a whole…so what challenges have you seen in the ecosystem and where does that take you for the future of Sheraa?
00:20:25 Speaker 2
Interesting question. I think. I mean, if I speak specifically about Sharjah as an ecosystem, I would, I don't see it as challenges. I see it as opportunities really, but up until last year we were quite sector agnostic in the startups that we incubated. I should say that over the last seven years or so, we've incubated about 160 startups that have gone on to raise over $170 million in investment. They have generated over $220 million in revenue and they have created over 1,600 jobs. But what we have now done as an incubator, but also, I think as a city is started to focus on certain industries.
00:21:10 Speaker 2
Among them are Ed Tech. Obviously Sharjah, having built this strong foundation in education, it would make sense for the future of education to be built in the city. We then have sustainability as an industry, especially with the presence of companies like BEEAH in Sharjah. This really helps us not only come up with some of these innovative ideas in the space of sustainability, but also help those ideas come to life with these with this access to market.
00:21:40 Speaker 2
We then have the creative industries Sharjah, as you rightly said at the beginning of this conversation, has established itself as a cultural hub.
00:21:47 Speaker 2
So how can you take things like art, culture, publishing and combine them with technology and work at the intersection of that? And so that's one of the things that we're also doing. And in fact, you asked me in the previous question about interesting collaborations. One of the most interesting collaborations we've had is actually with one of our tech startups, a VR Startup, an AR/VR startup, that is working with the Sharjah museums, which is obviously a government entity to bring the museum experience to life.
00:22:18 Speaker 1
Amazing.
00:22:19 Speaker 2
And so that's already implemented at the Resistance Monument in Khor Fakkan. So, if you ever visit that, that would be an interesting opportunity to see how we've implemented these solutions with the public sector. So, these are the three industries we're focused on…plus, manufacturing.
00:22:34 Speaker 2
So, Sharjah, 30% of the UAE's manufacturing, actually happens in Sharjah and not a lot of people realize that, and I don't think we talk about it enough. And so one of the things that we're also focused on in Sheraa is how can we support some of these innovative SMEs with manufacturing startups, most incubators or accelerators are focused purely on tech platforms, whether it's e-commerce, whether it's fintech, whether it's delivery apps. We wanted to look at, you asked me about gaps in the ecosystem, and I think there was not enough support that we found for some of some of these innovative SMEs in the manufacturing sector, and so we've now started supporting companies such as Palmade that takes the waste of palm trees and converts it intobiodegradable utensils or companies like Kyma, which produces cleaning tablets…
00:23:29 Speaker 1
Right.
00:23:30 Speaker 2
…er, non-toxic cleaning tablets, manufactures them in Sharjah so that you reduce the use of single use plastics. You buy a bottle once, you fill it with water, you put the tablet in and that's your surface cleaner. Now these are not companies that would typically come out of your usual accelerators and that's a gap that we've wanted to fill in the ecosystem.
00:23:49 Speaker 2
So that's one of the gaps that we've seen. The other which I think we've already talked about is building this bridge between the startups and their potential market, whether it's the private sector and whether it's government entities. And so that's another gap that's now starting to be filled.
00:24:07 Speaker 2
We're seeing a lot more engagement, especially post COVID between these entities and between between these SMEs, and then you've obviously got the banking and this is something that I think almost every entrepreneur - if you ask them what one of their biggest problems will be/was/is actually opening a bank account. And thanks to EDB and the work that you are doing, that has obviously been simplified tremendously as well.
00:24:34 Speaker 1
Absolutely. Very interesting and especially when you talk about the different kinds of companies, different kinds of entrepreneurs, I could already in my head picture that they would obviously have different needs. You know, when you're talking about someone who is manufacturing or producing.
00:24:47 Speaker 1
Versus someone who is potentially doing a online/digital…
00:24:51 Speaker 2
Exactly. Exactly.
00:24:52 Speaker 1
…e-commerce style business versus maybe something that's more brick and mortar/retail potential…very interesting. So, on the manufacturing side of things, Sheraa is looking at now, how to have maybe a stream that's dedicated towards them?
00:25:05 Speaker 2
Exactly. So, so, you use an interesting word stream. So, we've basically created 4 streams that we that we've talked about at tech, sustainability, creative industries and manufacturing. We're calling them centers of excellence…
00:25:12 Speaker 1
OK.
00:25:13 Speaker 2
And within each of these centers of excellence, what we're doing is dedicating funds to supporting businesses in those sectors, as well as bringing in, bringing in thought leaders and experts with specific, let's say, experience in that sector to help these businesses set up. The other thing that we're also doing in Sharjah is actually engaging with existing manufacturers in the city.
00:25:42 Speaker 2
So that they can also play a bit of an incubator role themselves. In fact, if you look at Kyma, which is set up in Sharjah, their facility is set up in National Paints, which is obviously a well-established manufacturing company…
00:25:54 Speaker 1
Right, right.
00:25:55 Speaker 2
…so there's actually an incubation role that existing manufacturers can also help play.
00:26:00 Speaker 1
Amazing. Amazing. Yes. With their existing facilities…
00:26:02 Speaker 2
Exactly. And their equipment and so on…
00:26:03 Speaker 1
and the setups that they have and the equipment they have.
00:26:05 Speaker 2
Absolutely.
00:26:07 Speaker 1
Absolutely, so where do you see Sheraa? I mean, obviously we've spoken a lot about some of the initiatives that are happening today that are being built for the future. How can you see Sheraa’s evolution into the next five years.
00:26:18 Speaker 2
As I…I mean, as I think about it, what I'd liked to see is, uh, Sharjah being a home for startups that create impact, especially in the industries that you've, we've, talked about, right, whether you're talking about education, whether you're talking about sustainability, the creative industries, we've always used this word from day one.
00:26:39 Speaker 2
We want to build businesses that not only produce a positive economic impact, but also do good for the world.
00:26:45 Speaker 1
Right.
00:26:46 Speaker 2
And so I would love to see a critical mass of startups based in Sharjah really creating manufacturing, developing products and solutions that can change the world.
00:26:59 Speaker 1
Fantastic. Ms. Najla Al Midfa, thank you so much for your time today. We appreciate it and we wish you all the success and Sheraa all the success for the future.
00:27:06 Speaker 2
Thank you, Ahmed.
00:27:06 Speaker 1
Thank you so much.
00:24:51 OUTRO V/O
“Economic Impact. Conversations from Emirates Development Bank”.