مستقبل سوريا بعد رفع العقوبات | مال شو (بودكاست) مع عامر بارودي مؤسس شركة nsave

في هذه الحلقة من مال شو نفتح ملف الاقتصاد السوري ومستقبل الاستثمار في سوريا: هل نحن أمام فرصة اقتصادية حقيقية؟ وما القطاعات التي قد تقود المرحلة القادمة، من البنوك والتكنولوجيا والشركات الناشئة إلى البنية التحتية والعقارات وإعادة الإعمار؟

ضيفنا عامر بارودي، مؤسس nsave، يعود بنا إلى تجربته منذ مغادرة سوريا، مروراً بالدراسة في جامعة أكسفورد، وصولاً إلى تأسيس منصة مالية هدفها منح الأشخاص المستبعدين من النظام المصرفي فرصة عادلة لحماية أموالهم والوصول إلى الخدمات المالية العالمية.

نتحدث عن أثر العقوبات على المواطن السوري، وكواليس الجهود التي ساهمت في رفعها، والتحديات التي ما زالت تواجه عودة التحويلات والخدمات المصرفية. كما نناقش مستقبل العملة والقطاع البنكي، وأهم الفرص المتاحة أمام المستثمرين، وما الذي تحتاجه سوريا لاستعادة ثقة الأسواق وجذب رؤوس الأموال.

حلقة تجمع بين المال والهوية، وبين تجربة شخصية بدأت بالتهجير وانتهت بالمشاركة في بناء فرصة جديدة لملايين الأشخاص.

هل حان فعلاً وقت الاستثمار في سوريا؟ وهل يمكن أن تصبح سوريا واحدة من أهم الفرص الاقتصادية القادمة في المنطقة؟

لاتنسوا الاشتراك بالقناة لتصلكم جميع الحلقات الجديدة من مال شو. مشاهدة ممتعة

أجزاء الحلقة:
0:00 مقدمة وافتتاح
2:36 الخروج من سوريا
4:21 البداية من الصفر في الإمارات
7:00 مشقة العائلة وبذرة فكرة nsave
10:47 المرونة النفسية وإيجاد الغاية
13:06 رحلة أكسفورد
24:33 حب سوريا وجمعية أكسفورد السورية
27:33 محاربة العقوبات والتمييز المالي
37:26 أخلاقيات التسعير والتوسع في الأسواق
43:31 قصص من بنغلاديش وخدمة العملاء
47:30 حرب غزة والصراعات الشخصية
51:33 تحرير سوريا
54:13 خلف الكواليس: رفع العقوبات
59:10 إطلاق الخدمات للسوريين
1:02:55 الهوية والانفتاح والشمول المالي
1:10:37 الاستثمار في مستقبل سوريا

للتواصل معنا:
podcast@mal.ai

تابعونا على مواقع التواصل الاجتماعي:
https://www.instagram.com/themal.show/
https://www.tiktok.com/@themalshow.podcast
https://www.facebook.com/profile.php?id=61566478614883

للتواصل مع يوسف سالم:
https://www.linkedin.com/in/youssefsamysalem/?skipRedirect=true
https://www.instagram.com/youssefsamysalem?hl=en

للتواصل مع عامر بارودي:
https://www.linkedin.com/in/amer-baroudi/

#مال_شو #سوريا #الاقتصاد_السوري #الاستثمار_في_سوريا #إعادة_إعمار_سوريا #رفع_العقوبات #ريادة_الأعمال #الشمول_المالي #nsave #الاستثمار #الاقتصاد #البنوك

Transcript

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SPEAKER_02 0:01

Sarahatan L herburgi Ap Sha Shimunkinl in Sanitari Company and Shifna Bisuria Sarahatan better will be Zemanal Master Mamarachi Metil Shifna.

SPEAKER_01 0:13

Halat and Hardamot, Achan Handruhta, Minam Wahla War of Lukuna Kulitzuria Whandrohan Hard of Mazdi Fuk, Am Baruch, Moasis and Save Kartanho, Numborkilla, which must be a high island.

SPEAKER_02 0:47

So the second was still an update. And you don't like the bottom. Shiftamachalini old Sarahatan L herb Twershik Apsha, she mumkin in San Ideri, Shifna Bisuria, Sarahatan, Pete Bilbizeman al Mahasar Mamara Shi metil Shifna. Kimir Ashel Mafuddin, L Mumarufmasir Home, and the Kandel Achikal, Lakatil Tah Tadib, Capital Hariat, Uqti, Ktiriani Naskal Hashaf, Susar Bisir Naya, can listen media to other talo, sah Mahadrak Mal Media Mafia Sasanatalo, Bisaba Blackaswefnaha, Fa Subhanallahani Bijufil Wahedha Tabal Mushama Abiul Mula Eli Mafi Compass Bosale Aweh, Shusah Hoshulgalat, Pitwakala Bim Shia Nil Wahedu, Sarah and Hadakan Yani Il il bosele, Ukanfi had of the Ubasli Jiddan, Beyun Shaks Beta no Anma Yani Murahek Torikber Psara Aktirik Bire, and no analim Nafsi, and Abdi Rjahama, Abdidros, Fatani Tori, Ulbus Atotni Wesaal in the Kunia Kundomir Murtafiha.

SPEAKER_01 13:14

Ahmed Best regard with the rest in the rest of Oxford, the rest hagget, the restora, the restora hamma, the rest of the rest of the room, a CSET fe Tabago Waldehno, Twaggo Had Dai Zibni, why is the diff, why is it different?

SPEAKER_02 13:37

Uh um but we do in Italy and the um subhanahu wa ta'ala femur of the Mavensa Bihati Kif uh Dirt also Oxford. Yeah, for uh Shaf Tilminha a la Oxford can fi had was making fun of it on Facebook. It was on my feed, fi had a hot post a la Facebook, can Iul uh uh almasharay? Ma'hade mumke hasalha in Dr. Oxford. It showed on my on my algorithm. Part of the benefit goes to the algorithm, it worked out in my favor for this time. I've become a redundant startup, co-founder, who COO fiha naw, Tarakit, who El Khazan al Swede Stockholm Medine Helwe, Fiha ecosystem entrepreneurial awaktier, I admire I like the way they built the ecosystem for the market, and then I'll start something new. Subhanallah, but he wrote scholarship in your drus bij Oxford. I'm thinking I'm not gonna come to study, let no kharasah you know, toas safar. He's the co-founder of Ticketmaster, if you know the startup. He's a very successful entrepreneur, but we amir and you will succeed. Oh, Oxford Road Scholarship, to accelerate the process. Badaman had them talajam at Oxford and Abel Thi Alhamdulillah, suffered alay, ala britan edros. Can it um life changing life-changing experience? Can it fetaker muht talifiati? Ma added survival mode. Can it will be dayat, can I amat faker fellow abuse book ramai twah? I have to save. I have to do something. I need to lazim amil, shoghla, shogleitany, ala janab hater, what alhamdulillah can alhamdleolamani can hamlafi, didn't jahat or karatini achod break, ruhala oxford fakir. Uh fakir sho il il mushkile, etherit, akberta ethir alhayati shaksian, while al Mushtama al Muhitvianamkin Pebola Mustama, Mubas Mushtama Azuri, one the wider society and Tavana. Uuubi's Hayati la to tackle this problem, yeah. Uh Oxford, uh how come that's an Al Mali feha how come to Al Mali, central banking regulations? We had a big behind the fact that we have to do that.

SPEAKER_01 19:00

The rest of us.

SPEAKER_02 22:00

Experience come on lived with me, Yani. Analyom ka regulator, ka policymaker, kifini Said everyday person, adi, bil mushtama and no khato, increases precious power. Ati for sa'adil and no ibni mstaqbal uh hello, no yistrof economy, kitambidros uh school of government fiscal policy reform be Latin America. These are the successful cases. And I'm like, I'm not sure this is successful cases to learn from. It was very clear and positive for the society. We were debating about it. Incredible idea. This would change millions of lives. But Amir, let's get real. Like I don't think you no one will be able to pull this off. Mahada, Mahda Bid. Great in theory, but that's all I wanted to hear. Um Khadiya Adile, uh Kadiyat Ottihard, Khad oppression, uh Khadiat Hariyu Karame. Um Khadiyya Nabile Jiddan Yani So Rasuri he sourjidan jiddan Amit Alamabad in Nabile Jiddan. Adale, Hari Htimaye, Karame, um Hail Mabad Nas Mkin in Natil Tam Hawlha. I think we need an identity questionnaire, Aleha. I will share Amaltawa to Sulet, the lad how's the Oxford Series Society. It's the number one university in the world. It's a very influential body. I started the Oxford Series Society. Let's found the Oxford Series Society, Khalina, Chuf Surin, most settl propaganda, mobas as refugees. We have stories of survival. Ultimately, I'm Timer will benkin Merkazi, oh Al institution sanctioned. Fasarfialeha Matilma sanction exposure. It's illegal. I can give you a maybe funny, not too funny example, yeah. How common is those two names in our regions? If you are on a sanctions list screened, I've seen actually a real example, and false positives. It renders you not worth it as a business case. Actually, the cool part about Ensev is a fear retail aspect. We're serving customers technology for compliance behind the scenes. Are we gonna win this fight? We will prove by compliance and data how bad the systems are. And what they show uh financial sector uh biased. We will do our homework and we will build the systems to do it, and we will use technology and we will use AI to do all of these things. We fall under something called the safeguarding rules. Completely separate. That's how we actually make our income. What's the best possible tool? As much as we would like to, we can't control inflation. We offer the three. We revamped recently, I have Andi, amazing head of finance, uh ex deputy CFO of Revolute. He joined InSave. The principles and do not be exploitive, one of them. We get an insane amount of love from some of our, especially our early adopters. Um we have a very strong business case and it's a very price sensitive market. Uh classic remitter le juwa or platforms at Tanya fee sensitivity unique. You have to be competitive. We'll follow up and then we will correct it, we will we will do the onboarding yani, but we will make an exception. We escalated it all the way. We got these people involved, uh the fa. I will never forget this. I love this guy. Oh, aliallaham with the first bank account, we will open it. Fa'adin alah ananaryani. Fabatna al request uh uh uh rejected request, who command his Palestinian from Gaza? Who is Palestinian Haza? But rejected, Utalla nafel Nal Muskkile, as Havel Sherkia, madernamil testing for Mushkile. If uh use case hey diamond can it, yeah, diamond value, and diamond fakir kiffini there if the halasuri, dunjitan Sarahatani uh, diamond. Step by step, it's a long game, it's a long uh journey. I was wrong. Yeah, but it's a little bit, some bad dual life, and we have to do that. We got pulled into it. Sah, um we any hey lahazat care mana sarhatan be adit mawak if um mubes bear lahazat karat man hat to be what they didn't side because donations and their Tamil Hadesh. Uh uh contribution kills the Sarahatan Whairkafi, how will Diamond Yanni Lam and a diamond philosophy? Place no uh uh early users. Um, uh Bangladesh, we can't say that's the same. Umara ansa Ijaik formal, suit Tabao, ana basijit sele malik, la enno anab ensay, besab en save, pamil salari tabaei, pehmit la teambilmiaminokul share, beseb platform. Thank you for building this. Incredible. Yani is the moment where you like this is why we started this. I captured the moment where the team, had the selfie, this is what he told me, yeah, uh word to word. You can see the sparkles in the eyes. This is why we do this. They all have my WhatsApp until now they have my my number, yeah. But Zakkar Radal Shakas uh he's a very good friend now. Um it's Swift. Swift payments take sometimes up to seven days, correspondent banking. You have to build trust. This is why we started the company. Everyone on the team is doing customer support. One of the things that keeps you awake at night, or customer support at the moment, keeps me awake at night. Sarah, we needed the distraction. We threw ourselves at work. Anyway, workaholics, 24 7. I need to focus on something. I will never forget it, Yani. Very special week. Very, very special week.

SPEAKER_01 54:13

Itkalimtahan Guzmanshula Kenala uh Rafael O'Kobet.

SPEAKER_02 54:36

Zhuhajabur Yani Sharakfi Adadha Il Minal Surien. Sharakfi Awalan Huemakan fakat Bankil Merkezed Bankil Merkezi was Mali la Budorham, Bimodwarafalo Khubat, Susi Bimo Woda L Vision La Khusan Khubat Mali, Kanjil, Khubatl Mali Lochbat Kabanan Rfaha. Fa woda helvision hei, canfi clarity, tawjoh, min il minil rais will will uzara Khelini ul, uhakim ilbankilmerkezi, can'fi wudu. Ala alahalvisin. Fa helvision hei uhla uhaden lalfradilishtakarwaleha, and canfi Surin il Mukimi Bil Kharej, Yen Massana l Lebnador, Bigadanazan Albankimmerkezi, Lebnador Masana Hom Fibritonia, Ma was atlhaj, Mal F C Dio, Kifina Ka Jali Suri, Mukhime Fibritonia, in wasel Ahmiet Utefir Rafael Okubat La Mustlahti Shabisuri Walmuatanisuri Nazaran and Lakume. Come on, Miljali Suriel Muj America. Um can just be a little bit more than a little bit. Historical moment. Sarah Lentunsa.

SPEAKER_01 56:59

Allah Shuil Mawzart Khergeya went up for Britannia, and we have to Wazil Khergeya la London liklien Mal Mabusa il Britannia Le Suria.

SPEAKER_02 57:17

SubhanAllah, we need to wear multiple hats. Bihilikat and Sarahatan Madduk business Britani. Can Mozaman Khashat Hawl Hadal Moduyani U nkanl li Qaatma Yani l-Musirin Britannin Mozatl Khariji can bishakli ktirikbir l'amodoara falo kubat alasuriya? U Tasilat, Teshilat Damil Tijara, u Damil Towon, il-musterak bin Mubas Majaz Amal, Walhir Ktaatya, ina jazikbir can bitmanna, butmen shuf akterlistalahalla huwe had the damil il-tihani lil mustasat il-hakumye, or l estasat il-Dawlesuri, Mitl Ben Kilmerkazia, no muestashway, matotabarwazara, totabar, andas takali andma, fulkun andaskali andma. Incredible, incredible. But sa khimiat il jihad with shakil yet minimum nilfari Lahatir Niftah Belishadamat, when Adimhabishil Khanuni, when Adim Habishil Mubashar, Hata Jhe Jabbar, Sarahatan, Ukana Kilman at Eddam Khtutain, Ahyana Nurjah Tutane. Biseba Subat, Bisaba Badlawa Akalinwa Jaha Hata Bino Trofil Suri Sarahataniani, l' dueli international. Kan Jehe jabbar, alhamdulillah insevani, wahdemnil shahlatilhna, um can Sebahdenufda Howe Sikatil il Bnukila Alamiafina, O Sharikatil Pshthilmana. In Hin Salon Amsturmana Fatra Tawile, Shafu Andon, Henul Saran very good record, Maruf min Sharike, Maruf min Ashabha, Marufmin Mwilin Tabaha, uh Maruf he babadehashu, Saralha T Sat Salh Adit Sanawat, Mamchtahil Binafsal Tari issah, alhamdulillah maalehe, fa dirna namil comforting, la kill stakeholders, uh kumiye al-Tarafil Baritani, alal mstoyat al-tarafil Amriki, and not all okay, nah we like what you guys do, we like how straightforward you are. Ubadin al-Kata al-Mali, inkan was sasatil Mali al Aul Bnuk al Mishtihil Maha. Whi no waan, mwasat mali ubnuk alit okay, uh we pilot, m sassat mali alet lissa anamali jahiz u uh uh daktazilni anhat. Okay, we pilot, great, we will pilot in Amirisk-based approach, mniftah swe ishwa, you had this na. Bleshnaptahwilatim Nal Khari, Jezuwaat Suriya, uh Bleshna Tahwilatil Lera Suri, Blashna Tahwilatil Dollar Alasuriya, um halafina ml tahwilat blaqs, lisamaftahb Sarajaz, Bleshnafathalah Sabat, Lisurian Muhimin Bisuriya, Baleshna Kaman, still limited capabilities. Culminated all the effort. Sharil Shah al Nallahza Haifa, Alhamdulillah Nayani, waluja basit russafbi daij daniani, andi beter. We did our duty. Uhul khatwe.

SPEAKER_01 1:02:36

Inta ul khatwaf helmak in Khademadikum mutah al Surien, uh, tftik mukun shuf kameen, uhul khatwaf helmat dalla srikaq inul khademadikum mutah al-Surain. Insha' Allah.

SPEAKER_02 1:02:47

Ya ni insha'Allah.

SPEAKER_01 1:02:50

Il in timekin di canet tem tul ha ines fmulmel. Il hul acetanya, lentashaifin and save u shumul meli, munki hotwa, liha, ashambakita hu tanya, mumkin shofa, e tani ehel makiligay.

SPEAKER_02 1:03:07

Shu metilma inkin the cart bibidait lika likti mstem tefisa rahata maka hue ehue hasab dollar paymentshue wasile lhatta isha's, ya kot forsa hadil ibn hael bitmenna. Had had lyanil il ethos thesis to buy and save. And uh dim wasa elutulzmalye, l'hatsa'd alashas, ibn ulhayatlibidunya.

SPEAKER_01 1:03:43

Wahdemabed right siya, hiya in inta lmukadim khidma, lezim mukadim kidma l'ishhah smahman can it, intima e to hawietu okay. Is then no salmarhala, aden kun andina fieritni, andina fiha il iman wuly atizaz behawietna, il kamela wadam tofrit, fehawietna w nanukalilha, like nahatanya and dina in fteh Kamel, wandina ta kabul kamel with ayush camel, wanosalmarhala in wf eightarud binitni la ehna mahtagin alil atizazna ashen andemik, wala ehna mahtagin noqsil akar ashenab barhin ala intimat.

SPEAKER_02 1:04:18

Bete bisevab bisebrufin anash, bikir had to do uh, andi uh exposure alafat mahtilfe, Sarahatan, u uhtajarub nas mahtilfe um mujarat bated mudo annakere mutam uh nish itil afrad uhish karulish and hai kyamlisharuh khiarat bihayatom, hellen in khtaruha bi shekltabaya uhal fizuruf mwayye nabi, mustama'un biitum muhetzon, hieli, kheliton, uhnul hawiy, ibnu hal laqad, yibnuhel Khalin kiyamo afkar, talamahiyeh la ta ta'arat ma mabadiles hasyeh, yilhi ehthiram, adale, hariye, o kanun uhana yanima andimane e kabbal eeshahs akhar u anakashahskama ma'andi l dafe and yana of fro dahwit yalal akharim Mithilma biddi akharima frodahawitonali. Fa mshanhik and dikir inbhatunazaran Mshanhik and saf can it daiman anda o hadafna o musuliitna anda and felter ounktar mean beakod access we mayhod access. U metal mafia dis you know disadvantages can it ala hawi itna fe disadvantages alahawiya tanya moktelife.

SPEAKER_01 1:05:50

Wal hita di rakisnak here fala and hard ala fakretan like il etah al gamia, bah the nazaran, il daula will ginsaiya, will will hawia it' goes it. Il Hamalyet Ma'al Bangin Otatanya Mukutkunin Tagin Setak Mahbule, Walakan Hagm, Tamlak Ulayil Giddin, Fafikritin Shazdi Winkrintashankida, Lanafahmu, Isme and Save, Gaya il N heatumas Ayrakham, and then Braddanaza Ayrakam Maek, Ehnehanikimakfadin o Timuhima Bitness Bank. Muhammad Juddan Juddan.

SPEAKER_02 1:06:39

We don't need a million dollars. We will take a dollar. We will take half a dollar. Any number. We will help you protect it, we will help you grow it. Mafida ikunduck Muddaharata Alice business case had to solve for compliance, to make the cost, the unit economics work for this use case. Let's make it work, let's do it right. We can chart a trajectory towards profitability, and we can see that in front of our eyes. Truly is an inclusive mission. Minal customer support, lal growth, lal engineering, we are hiring.