The publication
About
Who publishes NOUQUD, what it covers, and the idea it is built on.
What NOUQUD is
NOUQUD explains finance for readers in the Arab world.
Most finance writing available in Arabic is translated from English and assumes a reader living under American institutions. It explains 401(k) retirement accounts to people who contribute to GOSI, the Saudi state social TermInsuranceالتأمينA contract where you pay a regular fee to transfer the financial risk of a specific event to a company that agrees to cover the cost if it happens.Open the term scheme. It explains TermMortgageالرهن العقاريA loan secured by property, where the lender holds a claim on the house until the debt is repaid.Open the term interest deductions to people in markets with no income tax. It explains FDIC deposit insurance to people whose deposit protection works differently, or does not exist at all.
The idea NOUQUD is built on
A financial answer is only ever as good as the institution it quietly assumes.
Take the most repeated piece of advice there is: keep three to six months of expenses in an TermEmergency fundصندوق الطوارئMoney set aside in an accessible account to cover unexpected expenses or loss of income without borrowing or selling investments.Open the term. It is sound, and it assumes three things without saying so — a bank you can take money out of on the day you need it, a deposit protection scheme that actually pays, and money that will buy roughly the same basket in a year as it does today. Change any one of those assumptions and the same sentence points somewhere else entirely. Most of what a reader finds in Arabic keeps the sentence and drops the assumptions, because it was written somewhere they held.
So we write the assumptions down. Every piece here names what it is assuming — which regulator, which scheme, which product, which market — so a reader it does not fit can see that in the first paragraph rather than discover it later.
That is the method, and it is the whole of it: we write for the reader in front of us, and we say who that reader is.
What we cover, and what we do not
We publish in-depth guides and financial tools. Underneath both sits a glossary, which defines the terms our guides use so that a reader never has to leave a piece to understand it.
We do not give financial advice. We do not tell anybody what to buy, when to buy it, or what will happen to a price. Nothing published here is a recommendation, and none of it is tailored to an individual, because we do not know your income, your obligations, the currency you are paid in, or what you are saving for.
Language
NOUQUD publishes in Arabic and English. The English edition is not a translation of the Arabic one. Each is written directly, for readers who live in the same region but do not always face the same questions.
Who is behind it
NOUQUD is published by ADKO Ventures.
We are a group from the region, with backgrounds in strategy consulting, technology, TermStartupشركة ناشئةAn early-stage company built to solve a problem or meet a need, typically funded by investors and designed to grow rapidly.Open the term, finance, and marketing. Between us we have more than thirty years of experience, most of it gained working in Europe and the United States.
We started NOUQUD to bring that back. The financial knowledge that circulates freely in London and New York is not difficult to find, but almost none of it is written for the systems people actually live under here. That gap is the reason for this publication.
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