India in Bahrain - August 2024

India in Celebrating Diplomatic and Commercial Relations between India and Bahrain BROUGHT TO YOU BY bahrainthismonth.com

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Advancing Historic Relations In an exclusive interview with Bahrain This Month for its India in Bahrain supplement on the occasion of India’s 77th Independence Day on 15th August, His Excellency Vinod K. Jacob, the Indian Ambassador to Bahrain, discusses his distinguished diplomatic career, the multifaceted and historical relationship between India and Bahrain and its future prospects. A Pillar of Support The Indian Community Relief Fund (ICRF) was established in 1999 by the Embassy of India in Bahrain with the mission of ensuring the welfare of Indian workers in the region. ICRF Chairman, Dr. Babu Ramachandran, shares how the organisation supports the less fortunate members of the Indian community. Revolutionising Bahrain’s Banking Sector Beyon Money, one of the Kingdom’s most innovative financial service providers, continues to revolutionise Bahrain’s banking sector. Roberto Mancone, CEO of Beyon Money, discusses the company’s recent advancements and future plans. Leading Ladies for Change The Indian Ladies Association (ILA) has grown from its humble beginnings in 1956 to be an organisation renowned for its community outreach programmes, cultural shows and charitable initiatives. ILA’s newly-elected Honorary President, Kiran Abhijit Mangle, tells us how ILA offers a platform for women to connect and contribute to Bahrain’s society. Engineering the Best of Solutions For nearly half a century, Albarq Electrical Services has offered a comprehensive range of electrical and engineering solutions in Bahrain. Tanima Chakraborty, Chairperson of Albarq Group of Companies, highlights the company’s successes and extensive service portfolio. Fostering Lucrative Commercial Relations The Bahrain India Society, established in 2008, has been a cornerstone in fostering the deep-rooted relationship between the two nations. Vijay Boloor, BIS Treasurer, and Zahraa Taher, BIS Secretary General, shared insights into the society’s evolution, its current focus and future plans. 6 10 12 14 8 11 © Copyright Reserved 2005-2024 The concept, content, style and design of this publication remain the exclusive property of Red House Marketing (Jersey) Ltd. and must not be reproduced in any form whatsoever without prior written permission. Every effort has been made to ensure the accuracy of the information contained in this publication. However, Red House Marketing cannot accept legal responsibility for any error or omission. • Views expressed in this magazine by journalists and writers are not necessarily those of the publishers of Bahrain This Month. Licensed by the Ministry of Information Publication Code: TA001 ISBN 1 899 348 09 3 1 Year subscription Bahrain: BD24 Gulf and international subscriptions available on request. Printing Press: Union Press, Bahrain Published monthly by: Red House Marketing P.O. Box 20461, Manama, Kingdom of Bahrain Tel: (+973) 17 813-777 Email: [email protected] www.bahrainthismonth.com Publisher and Chairman George F. Middleton Editorial Director Farah Baig Deputy Editor Kristian Harrison Contributors Edwin D'Souza WTM Brand Ambassador Esky Dubois Print Production Manager Sabu Sebastian Art Director Hatem Monem Webmaster Nishad Eapen Production Manager & Media Liaison Muna Yousef Photographer & Bystander Layout Editor Subeesh Kumar N S Administration and Finance Samson Vaz, Marlyn Ragasa Distribution Team CM Abdul Rahman, Gopal Arul Kumar Distributor Al Hilal Group (Hilal Direct Services) Digital & Content Marketing Team Digital Strategy Director Lini Reghunath Director of Film Danny Sokov Video Production & CRM Coordinator Edwin D'Souza Social Media Managers Shilu Babu, Rohit Reghunath Media Sales Team Media Sales Director Anuradha Manhas [email protected] Digital Content Marketing Manager Amina Syed [email protected] INDIA IN BAHRAIN CONTENTS 4 August 2024

Bahrainthismonth.com August 2024 5 Crafting Unforgettable Moments With a remarkable journey that spans over two decades, Mushtaq Ali, the Founder and Creative Director of Celebrations Events W.L.L., has transformed the event planning industry and now brings his expertise to Bahrain. He shares the story behind his company, his motivations and what sets Celebrations Events apart. Driving Excellence With more than 30 years in the automotive industry, Mohammed Zaki’s vast experience spans across the globe makes him an ideal fit for the General Manager of First Motors, the exclusive dealer of Hyundai, Genesis and Geely vehicles in Bahrain. Kristian Harrison sat down with him to find out more about his career and leadership style. Forging Ahead AMA Motors has been a prominent player in Bahrain’s automotive industry since its inception in 1998. Initially serving as a customer for MAN Trucks within the AMA Group’s construction division, the company evolved into the exclusive distributor of MAN Trucks in Bahrain. Committed to the Wider Community Nithin Shetty is a professional with deep roots in the Bunts community, hailing originally from Dakshina Kannada District in Karnataka, India. For the past 19 years, Shetty has been living and working in the Kingdom of Bahrain, leveraging his expertise to drive progress in various companies. Ayurvedic Bliss SriSoukya Ayurvedic Centre is a state-ofthe-art holistic treatment facility located in Mahooz. Following a rejuvenating treatment at the centre, Farah Baig shares her thoughts on its offerings and how it contributes to Bahrain’s wellness industry. Great Indian Delicacies! The Great Kebab Factory has opened its doors in Saar with the promise to serve diners in Bahrain the finest of Indian food. Farah Baig went on a culinary journey to find out what makes this restaurant so special. Mind Over Matter Hemant Joshi, a three-time World Memory Champion and six-time Indian National Memory Champion, recently undertook the ambitious challenge of memorising 5,000 random digits for the Guinness Book of Records. We find out more about his incredible achievements and methods. 24 26 20 25 28 31 34

Bahrainthismonth.com 6 August 2024 India in Bahrain In an exclusive interview with Bahrain This Month for its India in Bahrain supplement on the occasion of India’s 77th Independence Day on 15th August, His Excellency Vinod K. Jacob, the Indian Ambassador to Bahrain, discusses his distinguished diplomatic career, the multifaceted and historical relationship between India and Bahrain and its future prospects. Advancing Historic Relations

Bahrainthismonth.com August 2024 7 India in Bahrain Your Excellency, thank you for speaking with us today. Could you give us a brief overview of your diplomatic career to date? I joined the Foreign Service in 2000 and have since accumulated nearly 24 years of diplomatic experience. My career began with learning Mandarin in Beijing, where I had my first posting. I have had multiple postings in Beijing and have developed expertise in dealing with India’s South Asian neighbours like Pakistan, Afghanistan and Sri Lanka. My most recent role before coming here was as the Deputy High Commissioner to Sri Lanka from 2019 to 2023. I also have significant experience in multilateral diplomacy, having dealt with the United Nations and other international organisations. You have been ambassador here for just over a year now. What are your key observations during this period? This is my first tenure in this region, and I was quite new to it. However, the commonalities between India and Bahrain are striking. The historical connections between the Indus and Dilmun civilisations are evident in everyday interactions, trade, cultural exchanges and even in the movies. A significant aspect is that a quarter of Bahrain’s population is of Indian origin. This is the first country I have served where I have seen such a large and wellintegrated Indian community. The leadership in Bahrain is notably tolerant and liberal, making it easy for foreigners, including Indians, to live and thrive here. What would you consider to be the key achievements and milestones of your tenure here in the last year? 2023 was significant as it marked India’s G20 presidency, and Bahrain provided substantial support during this period. Another notable achievement was receiving a royal pardon for nearly 100 Indian prisoners, which is a testament to the strong bilateral ties. Additionally, we have seen a greater convergence on important issues like climate change. This year also marks important anniversaries: the 25th year of His Majesty’s ascension to the throne, the 10th anniversary of his historic visit to India in 2014, and the 5th anniversary of Prime Minister Narendra Modi’s visit to Bahrain in 2019. Could you give us an idea of the current trade relationship and trade figures between India and Bahrain? I had initially expected the bilateral trade to be around USD1.3 to USD1.4 billion, but it has exceeded that. From April 2023 to March 2024, Indian exports to Bahrain were around USD900 million, and Bahraini exports to India were about USD830 million, making it a nearbalanced trade relationship. This is a significant improvement from two years ago when the trade gap was USD150 million. The composition of trade has also evolved, with engineering goods, electronic goods and petroleum products now leading India’s exports to Bahrain, reflecting a shift from traditional exports like rice and food items. Are there any other sectors that you think might be ripe for increased potential? Our relationship is truly comprehensive, covering trade, economic engagement, investment and people-to-people exchanges. Last year, one million Indian tourists visited Bahrain. The Indian Navy has also contributed to maritime security in the region, which is a newer area of cooperation. There is significant potential in technology, education and other areas. Could you share the total number of Indians working or resident in Bahrain and the sectors they are involved in? According to the government of Bahrain, there are 340,000 Indians here. They are active in various sectors, including business, financial services and education. This community is very law-abiding and serves as a force multiplier for the bilateral relationship. Are there any specific areas of cultural exchange that you think will be explored this year and beyond? Cultural exchange is a continuous and vital aspect of our relationship. Recent initiatives include the visit of the president of BACA to the 46th session of the World Heritage Committee of UNESCO in Delhi. We participate in programmes like Muharraq Nights and the International Music Festival, and we have started yoga and Hindi classes at the embassy. We are also promoting individual Indian states to enhance cultural and commercial ties. Could you share the latest developments in the education sector as far as Indian education is concerned in Bahrain? The Ministry of Education in Bahrain has been very supportive of our schools and students. Efforts are underway to expand cooperation to higher education, aiming for long-term university-to-university engagements. This will further strengthen our educational ties. Are there any upcoming delegations planned either from Bahrain to Delhi or vice versa? With a new government in place in India, we expect to resume high-level visits and exchanges soon. Both bilateral visits and engagements on the sidelines of international organisations like the UN General Assembly are anticipated. Bahrain is a key partner in our universal dialogue on sustainability in the context of the global south. Could you share the total number of Indians working or resident in Bahrain and the sectors they are involved in? According to the government of Bahrain, there are 340,000 Indians here. They are active in various sectors, including business, financial services and education. This community is very law-abiding and serves as a force multiplier for the bilateral relationship. Are there any specific initiatives or plans that you would like to achieve this year? We aim for incremental progress in our relationship, building on the achievements of the past year. We seek to deepen and broaden cooperation in various sectors, including science and technology, defence, education and maritime security. Our shared commitment to combating climate change, piracy and drug trafficking will also be strengthened. Have there been any specific challenges you’ve faced over the last year, and how have you overcome them? Our bilateral relationship with Bahrain is extremely friendly, with no significant issues. The only minor challenge was the export ban on onions imposed by India for domestic reasons. However, Bahrain was one of the few countries granted an exemption, reflecting our strong bilateral ties. Historic relations between Bahrain and India go back 5,000 years. Is there a message you would like to give to the people of Bahrain and the Indian nationals resident here on the occasion of Indian Independence Day? We are at a significant period of opportunity. India’s economy is growing rapidly, and Bahrain should leverage this for mutual prosperity. The historical ties between our countries can help us achieve greater economic growth and development together. Outside of your ambassadorial work, do you have any specific hobbies or interests? I have developed an interest in the Arabic language and enjoy speaking it publicly. I also play cricket with the Indian community here, which helps bring us together. Bahrain’s rich history and culture are fascinating, and I take every opportunity to explore this wonderful country. Key Facts and Figures: • His Majesty King Hamad bin Isa Al Khalifa visited India in February 2014. • The Prime Minister of India, Shri Narendra Modi, visited the Kingdom of Bahrain in August 2019. • 340,000 Indians reside in Bahrain • From April 2023 to March 2024, Indian exports to Bahrain were around USD900 million. • Bahraini exports to India were about USD830 million for the same period. Scan to watch the full interview

Bahrainthismonth.com 8 August 2024 The Bahrain India Society was established in 2008 by prominent businessmen from Bahrain and India, with HE Abdulnabi Alsho’ala as its founding chairman, and has been a cornerstone in fostering the deep-rooted relationship between the two nations. The non-political, non-profit organisation aims to enhance not only business links but also cooperation in politics, social affairs, science and culture. For our special India in Bahrain supplement, Farah Baig sat down with Vijay Boloor, BIS Treasurer, and Zahraa Taher, BIS Secretary General, who shared insights into the society’s evolution, its current focus and future plans. Fostering Lucrative Commercial Relations India in Bahrain “Given the long-standing presence of Indians in Bahrain, it was essential to create a platform for businessmen and entrepreneurs from both countries to interact and collaborate,” Mr. Boloor emphasises. This vision has guided the Bahrain India Society (BIS) since its inception, creating numerous opportunities for networking and cooperation. Ms. Taher, who joined BIS in 2013-14, has been instrumental in shifting its focus towards business and economic activities. “When I joined, BIS was mainly focused on cultural activities. I saw an opportunity to improve business and economic ties, which are vital for both nations,” she explains. Her efforts have led to the organisation of business lunches, partnerships with banks and other initiatives that underscore the economic potential between Bahrain and India. Membership growth and engagement are pivotal to the BIS’ future, particularly in a post-Covid environment, she believes: “We are focusing on increasing the number of members, especially enthusiastic members who see the potential in driving growth and creating collaboration. We want members who are active and committed in order to maintain the momentum we are currently experiencing.” “The pandemic posed significant challenges, but it also presented unique opportunities. Numerous delegations and interactions have been successful under the current board and we have managed to maintain and even enhance our activities thanks to our resilience and adaptability,” she adds. The society plays an active role in fostering business connections, with a major event planned for later in the year. “In October, we will bring together key players from various industries,” Mr. Boloor states. “These events are crucial for networking and sharing success stories, providing a platform for members to interact, exchange ideas and explore potential collaborations. In fact, our periodical events feature high-level speakers and guests from ministries and organisations including the Ministry of Commerce, Tamkeen and the Labour Market Regulatory Authority (LMRA).” BIS’ primary focus remains on trade and business links. “Economic opportunities is where we see the most potential for growth and collaboration between Bahrain and India,” Ms. Taher explains. “This strategic focus aligns with the broader objectives of enhancing bilateral relations through practical and impactful initiatives.” Social affairs and cultural exchanges, though not the primary focus, are still part of the society’s agenda, however. “We have facilitated cultural exchange programmes that allow Bahrainis and Indians to experience each other’s traditions and customs,” Ms. Taher

Bahrainthismonth.com August 2024 9 reveals. “These programmes help in building mutual respect and understanding. “Speaking of understanding, our board is very diverse, with members coming from various sectors such as communication, events, hospitality and law. This diversity allows us to approach our goals from multiple angles and create a more robust platform for our members.” Furthermore, BIS has been proactive in organising seminars and workshops that address key issues relevant to both Bahrain and India. Just recently, the society conducted a workshop on renewable energy, which brought together experts from both countries to discuss potential collaborations in the sector. Mr. Boloor is proud of these success stories, which highlight the wider impact of the society’s initiatives. “One of our major achievements was the collaboration between Bahraini and Indian IT firms, which resulted in a joint venture that significantly boosted the tech sector in both countries. Additionally, our efforts have led to increased trade delegations that facilitate direct business interactions and agreements,” he states. In terms of political ties, BIS has played a supportive role in bolstering bilateral relations. “While we do not engage in political activities, our efforts in strengthening economic and social ties indirectly contribute to the overall diplomatic relationship between Bahrain and India,” he explains. “This nuanced approach ensures that the society remains a respected and influential entity in both countries.” Looking ahead, both are optimistic about the future of the society. “We have a clear vision and a dedicated team that is committed to driving growth and strengthening ties. Our focus will continue to be on creating opportunities for our members and fostering a collaborative environment,” Mr. Boloor states. Ms. Taher echoes this sentiment, adding: “The potential for growth is immense. With the right strategies and active member participation, we can achieve great milestones and contribute significantly to special and fruitful relationship between Bahrain and India. “As it moves forward, BIS remains a beacon of cooperation and mutual prosperity for both nations. With a clear vision and active member engagement, we truly believe that our society is set to achieve even greater success in the years to come.” www.bahindsociety.org [email protected] 38311166 India in Bahrain

Bahrainthismonth.com 10 August 2024 India in Bahrain Dr. Ramachandran’s involvement with ICRF stems from his long-standing commitment to community outreach. “I was drawn to ICRF’s selfless service and integrated into the organisation, believing in the power of teamwork over individual efforts,” he states. Despite Bahrain being a welcoming place for Indian expatriates, several challenges persist. These include Indians being misled by false promises and living without proper legal visas, individuals living beyond their means leading to debt traps despite awareness campaigns, health neglect resulting in chronic diseases and depression and mental health issues due to isolation from family. “The ICRF tackles these issues through various programmes,” Dr. Ramachandran explains. “Our medical camps, for instance, identify and manage chronic diseases among Indian workers, and our 24/7 helplines provide visa assistance, distress support for housemaids and counselling services. The ICRF mortuary assist team also facilitates the repatriation of mortal remains.” “We have had a number of success stories, even recently. For instance, an indebted Indian with a debilitating disease received assistance from philanthropists and authorities, leading to his recovery and return home. Additionally, a woman without birth certificates for her children was successfully sent back to India with the help of ICRF volunteers, the Indian Embassy and local authorities,” he states. ICRF operates inclusively, allowing any Indian to volunteer without regional, linguistic or ethnic restrictions. The organisation works closely with the Embassy of India, especially in supporting stranded workers and housemaids in need of temporary shelter. For example, in a recent fire tragedy in Manama, ICRF coordinated with the Embassy and other associations to provide necessary assistance. One of the ICRF’s most important facilities are its medical camps, with more than 160 conducted so far, benefiting thousands of individuals. During the Covid-19 pandemic, they provided dry food rations, air tickets, face masks, antibacterial soaps and awareness flyers to underprivileged Indian workers. Other services include hospital and mortuary visits, immigration support, visits to labour camps and financial assistance for medical treatments and repatriation. “All year round, we run numerous vital programmes,” Dr. Ramachandran reveals. “Firstly, our Thirst-Quenchers programme raises summer health and safety awareness while distributing bottled water and fruits to workers. We are also running Gatekeeper Trainings under the banner of ICRF-LIFE (Listen, Involve, Foster, Engage) to train volunteers to identify and intervene in suicide risks and provide mental health support. Finally, the Family Relief Fund offers financial assistance to dependents of deceased workers, having distributed more than BD270,000 to more than 600 families.” As ICRF celebrates its Silver Jubilee, Dr. Ramachandran envisions continued growth and outreach in the future. He acknowledges the contributions of past leaders and emphasises that “every day is a day of evolvement” for ICRF to better serve the Indian community in Bahrain. “As a final note, I must extend my deepest gratitude to the volunteers, the Bahraini government, the Indian Embassy and our sponsors for their unwavering support,” he concludes. “We stand on the shoulders of these iconic community leaders.” The Indian Community Relief Fund (ICRF) was established in 1999 by the Embassy of India in Bahrain with the mission of ensuring the welfare of Indian workers in the region. Since its inception, the initiative has focused on serving the less fortunate members of the Indian community. Kristian Harrison spoke with ICRF Chairman, Dr. Babu Ramachandran, about how the organisation supports those who are less fortunate with a team of more than 300 volunteers. A Pillar of Support ICRF functional team on the occasion of the release of the ICRF 25th year celebrations logo.

Bahrainthismonth.com August 2024 11 “Albarq offers electrical installation, energy management, electrical design and engineering, testing and inspection, automation and control systems, project management, emergency electrical services and maintenance and repair,” Ms. Chakraborty says. This breadth of services ensures Albarq meets the diverse needs of residential, commercial and industrial clients, maintaining high standards of safety and efficiency. Her journey with Albarq began after she completed her Master’s degree in Business Administration. She founded Biolights, providing electrical solutions efficiently and cost-effectively, which laid the foundation for her career in the industry. “Following my father’s passing, I stepped in as Vice Chairperson of Albarq and expanded my knowledge in electrical engineering with the help of various professional courses, along with the support of my business partners, mentorship from industry experts and building a robust network. Over time, I demonstrated my capabilities and became the Chairperson,” she says. Her leadership has seen Albarq grow, taking on projects of all scales across Bahrain. When it comes to designing full-service electrical layouts, Ms. Chakraborty emphasises several critical factors: “Cost- effectiveness, safety, efficiency and functionality are paramount,” she says. “Albarq’s designs adhere to EWA and international standards, ensuring future scalability and coordination with other systems like HVAC and IT for optimal performance.” ENGINEERING THE BEST OF SOLUTIONS For nearly half a century, Albarq Electrical Services has been a cornerstone in the Kingdom, offering a comprehensive range of electrical and engineering solutions. As part of our India in Bahrain supplement, Tanima Chakraborty, Chairperson of Albarq Group of Companies, highlights the company’s successes and extensive service portfolio. India In Bahrain Safety is another core value at Albarq, with rigorous measures in place to protect employees and clients. “We adhere to international and local safety standards, provide continuous training and ensure the use of personal protective equipment (PPE) at all job sites,” she remarks. Regular inspections and maintenance of tools and equipment further ensure a safe working environment. As a woman leading in a traditionally male- dominated field, Ms. Chakraborty brings unique perspectives to her role. “Diversity drives innovation and creativity,” she says. She advocates for recognising the strengths both men and women bring to the table and emphasises the importance of collaboration for achieving balanced and effective leadership. “For women aspiring to leadership roles in the electrical or broader technical services industry, I advise them to be willing to take risks and step out of their comfort zone,” she advises. “Build strong technical expertise, seek mentorship and actively network to challenge stereotypes and support each other, fostering a collaborative environment.” Looking to the future, Albarq aims to expand its service offerings by incorporating clean electricity and emerging technologies with a customer-centric approach, focusing on sustainability and exploring opportunities for geographic expansion. Ms. Chakraborty takes inspiration from her Indian heritage. “The concept of ‘Vasudhaiva Kutumbakam,’ meaning ‘The World is One Family,’ inspires me to cultivate empathy, compassion and kindness towards all people.” The process of wiring and installation for both residential and commercial projects is meticulous. For residential projects, Ms. Chakraborty explains: “It starts with understanding the client’s needs, followed by planning, obtaining approvals and conducting the wiring and installation.” She notes that common challenges include space constraints in older homes and balancing budget with compliance. In commercial projects, the complexity increases, requiring approval from consultants or contractors, coordination with EWA and adherence to tight timelines. “Challenges often revolve around integrating large-scale systems and meeting tight project timelines within budget constraints while ensuring quality and regulatory compliance, and integrating electrical systems with building automation,” she reveals. Albarq’s approach to emergency power solutions, such as generators, is comprehensive. The process starts with assessing the client’s power needs and site conditions, followed by planning, design and skilled installation. Regular maintenance and monitoring ensure reliability during power outages, providing clients with dependable backup power. Staying at the forefront of the electrical industry requires continuous learning and adaptation. “We attend industry conferences, conduct training programmes and stay informed through online resources and client feedback, ensuring our services remain cutting-edge,” Ms. Chakraborty shares.

India in Bahrain Bahrainthismonth.com 12 August 2024 Beyon Money now offers a range of cards to cater to different customer needs, Mr. Mancone explains. “We have the best offer in the market with three cards: Classic, Platinum and Signature. The Classic card is free, while the Platinum and Signature cards are BD15 and BD25 per annum, respectively. All cards provide cash back up to 6 percent and several 2x1 offers with up to 80 merchants in Bahrain and the GCC.” “Each card has unique benefits. The Signature Card offers 3 percent cashback on selected airlines and 4 percent on all international spending. Classic and Platinum cards provide 2 percent cash back on international spending, grocery stores, and dining out. Additionally, our Dough cards for minors enjoy the same cashback and 2x1 offers as the Classic card.” Beyon Money is also making waves with its investment options. “We intend to democratise the access to profitability for our clients,” Mr. Mancone shares. “Any client, whether they have BD100, BD300,000 or even more, can access the best profit rate in the market. Flexi Invest offers remuneration from a minimum of 3.45 percent up to 5 percent per annum, calculated on the daily balance and paid monthly. Clients can move their money from their salary account to Flexi Invest instantly and withdraw at any time without cost.” “We also launched our three-month Fixed Invest with rates from 5 percent to 5.30 percent and our six-month Fixed Invest from 4.75 percent to 5.1percent. More products will come that are not accessible elsewhere in the market.” Beyon Money’s remittance services, which are fully digital, allow clients to send money to bank accounts, digital wallets, and for cash pick-up faster. The speed of onboarding is impressive, requiring just one ID and a selfie, with a number of services fully available instantly. The company has formed several key partnerships to enhance its service offerings. “We believe in partnerships that enhance the customer experience. We’ve partnered with insurance companies such as Solidarity and Takaful, offering up to 4 percent cashback on insurance products, and in the medical sector, we’ve collaborated with American Mission Hospital, Medical.Bh and Dr. Kareem Centre, offering up to 6 percent cashback,” Mr. Mancone reveals. “We have partnered with Binance to allow clients to instantly top up their Binance wallet with their phone number used to register Beyon Money, at a cost lower than any other top-up solution in the market.” In an era of digital scepticism, Beyon Money ensures robust security and privacy for its users. “We use state-of-the-art security for financial data and data privacy. We are fully compliant with Central Banks and utilise the highest technology solutions provided by our partner, Beyon Cyber,” Mr. Mancone assures. Customer support at Beyon Money is also unparalleled, he believes. “We are the only financial company with a call centre and customer service support teams sitting alongside our compliance and operation teams. This setup ensures prompt responses with the right mix of technology and human intervention.” Beyon Money has seen significant growth since its launch. “Our app has gained the trust of our clients, with volumes increasing 100 percent year over year. Over USD600 million has been spent with our cards and sent through our app, with more than eight million financial transactions executed by our clients,” Mr. Mancone says proudly. Looking ahead, Beyon Money is poised for further expansion and innovation. “We are constantly creating new products, evaluating new solutions and enhancing the customer journey. Since January 2024, we have been operating in the UAE, expanding from our roots in Bahrain. Stay tuned for more exciting updates,” he concludes. Beyon Money, one of the Kingdom’s most innovative financial service providers, continues to revolutionise Bahrain’s banking sector with a series of new products and services. We sat down with Roberto Mancone, CEO of Beyon Money, to discuss the company’s recent advancements and future plans. Revolutionising Bahrain’s Banking Sector

India in Bahrain Bahrainthismonth.com August 2024 13 A World of Tech iWorld Bahrain’s story began as the island’s inaugural Apple partner. A significant turning point came in 2013 when changes in Apple’s partner strategy prompted the company to rebrand as iWorld Connect. This rebranding was not just a change of name but a complete transformation to meet the challenges of a more competitive market and the threat of grey market suppliers. The culmination of these efforts was the opening of the largest Apple Premium Reseller Store at the Avenues mall in 2018, a milestone that Mr. Mangle considers pivotal. “This store featured an Apple Authorised Service Centre, the only such one within a mall in Bahrain,” he explains. “The expansion continued with another premium store at City Centre Bahrain in 2021 and a major upgrade of the landmark Exhibition Road outlet to become an Apple Mono Brand Store. Mr. Mangle holds a degree in engineering and a Master’s in Finance Management, complemented by completing the Entrepreneurial Edge programme at London Business School, which refined his leadership skills. With more than 30 years of experience, mostly at Almoayyed International Group, he has advanced through various roles to his current position as General Manager. As such, customer service is the cornerstone of both his and iWorld’s success. The company employs a multifaceted approach to ensure that it not only meets but exceeds customer expectations. “Our staff undergo rigorous Apple-approved training and certification programmes to stay updated on the latest product features and troubleshooting techniques,” Mr. Mangle notes. Moreover, iWorld’s stores are designed to provide an engaging environment for customers to explore Apple products. The inclusion of workshops and events further enhances customer experience, helping them make the most of their devices. “Our robust after-sales support includes warranty services, product updates and technical assistance, ensuring ongoing customer satisfaction,” says Mr. Mangle. Unfortunately, operating in the ICT sector comes with its own set of challenges, particularly from unauthorised sellers. “We confront challenges from grey market suppliers who distribute unauthorised Apple products through unofficial channels,” Mr. Mangle states. To combat this, iWorld emphasises consumer education about the risks associated with grey market products and the benefits of purchasing from authorised suppliers. Innovation is also a key driver of iWorld’s strategy. The company continuously integrates cutting-edge solutions tailored to meet the evolving needs of its clients. “Recently, we’ve implemented innovative initiatives such as digital transformation frameworks, AI-powered analytics, robust cloud migration services and advanced cybersecurity solutions,” Mr. Mangle elaborates. A critical element of iWorld’s success is its dual expertise in retail and ICT system integration. Whilst iWorld focuses on Apple products and services, iWorld Connect excels in providing comprehensive ICT solutions across a wide range of technologies. “This positions us uniquely as one of the region’s leading ICT system integrators capable of delivering integrated solutions across diverse technologies,” he points out. Specialising in Apple solutions for sectors like education, hospitality, healthcare and manufacturing, iWorld leverages Apple’s innovative technologies to excel in initiatives such as Apple in Education, hospitality management solutions and healthcare technology integration. Looking ahead, Mr. Mangle is optimistic about the future, highlighting the transformative potential of advancements in AI, cloud computing, cybersecurity, and digital transformation. “By staying ahead of technological trends, iWorld is prepared to navigate the dynamic market and continue its legacy of excellence,” he asserts. Established in 1986, iWorld Bahrain has carved out a niche as a leader in Apple products and ICT solutions. As part of our India in Bahrain supplement, Bahrain This Month spoke to Abhijit Mangle, the General Manager of iWorld, to gain detailed insight into the company’s journey from being the first Apple Centre in Bahrain to becoming an Apple Premium Reseller and Apple Authorised Service Provider.

Mrs. Mangle, who holds a Bachelor’s Degree in Economics and an MBA in Finance, brings a wealth of experience from various sectors including IT, oil and gas, and banking. Inspired by its mission and the impact of its work, she began her journey with ILA a few years ago. As the Honorary President, her goals are to strengthen community outreach, enhance personal and professional development opportunities and foster a more inclusive environment within ILA. “This year, we want to focus on nurturing entrepreneurship in women and building stronger networks with the Bahrain community,” Mrs. Mangle explains. “One of our key initiatives is expanding the Sneha recreational centre, which offers free recreational and developmental activities for children with special needs, to expand its capacity and extending the Basic English Speak Easy course to a broader audience. We also have our ILA Connect Monthly Newsletter as a platform for sharing stories, recipes, poems and insights, fostering meaningful partnerships and promoting our sponsors.” ILA’s mantra is to offer cultural and talent competitions, workshops and personal development sessions that promote growth while preserving Indian traditions. “Our commitment to community service allows members to make a meaningful impact,” Mrs. Mangle adds. “Additionally, we encourage leadership and skill development, providing opportunities for women to take on roles, hone skills and gain valuable experience.” Some of ILA’s most important philanthropic initiatives are its outreach programmes, such as visits to old age homes, health camps and educational workshops for children. Most importantly, Sneha offers activities like yoga, ballet, dance, baking, painting and gardening free of charge and five days a week. One of the most anticipated events on Bahrain’s social calendar is the ILA Dandiya Utsav, which celebrates the traditional Indian folk dance, Dandiya. “This year, it will be held on September 20 at the Crowne Plaza Bahrain, featuring Disco Dandiya and Top Bollywood Dandiya and Garba songs by the renowned DJ Rahul,” Mrs. Mangle shares. The event is expected to attract around 2,000 attendees from diverse cultural backgrounds across the GCC. In addition, ILA has a lineup of exciting events including a Thirst Drive for Workers Welfare, the launch of the ILA Connect Newsletter, health and wellness workshops and more. ILA offers a plethora of activities to its members, including Empowering Women Entrepreneurs (EWE) with workshops, networking events, access to business incubator services, collaboration projects and a mentorship programme. In addition, the ‘aaGaz’ Youth Empowerment Programmes provide leadership opportunities and skill development for young people while ILA’s Cultural Mosaic celebrates Indian culture through music, dance and art events. Mrs. Mangle encourages all women of Indian origin in Bahrain to join the ILA. “Together, we can achieve great things and make a positive difference in the lives of others. We continuously expand our programmes to have a greater community impact. Your support and involvement are crucial, so we invite everyone to participate in our events and initiatives.” Women interested in joining ILA can apply for membership by visiting www.ilabahrain.com or contacting the association directly. Membership details include a registration fee and an annual membership fee, valid from January to December. The Indian Ladies Association (ILA) was founded in 1956 by Leela Jashanmal and her friends as a place for Indian women to gather, indulge in creative activities and support each other as expats in Bahrain. ILA has grown from its humble beginnings to be an organisation renowned for its community outreach programmes, cultural shows and charitable initiatives. As part of our India in Bahrain supplement, ILA’s newly-elected Honorary President, Kiran Abhijit Mangle, tells us more about how ILA offers a platform for women to connect and contribute to Bahrain’s society. LEADING LADIES FOR CHANGE Bahrainthismonth.com 14 August 2024 India In Bahrain

ENABLING ACADEMIC SUCCESS Credible-I is a career and college consulting firm that has become a mainstay in the Kingdom thanks to its success in guiding many young adults towards their higher education dreams. As part of our India in Bahrain supplement, Dr. Arpita Dutta shares her entrepreneurial path in establishing this business, as well as what inspires and challenges her. For Dr. Dutta, teaching has been a lifelong passion. Stemming from her tenure as a professor since 2002, she has consistently felt a deep-seated obligation to enhance the education sector. “Teaching has always been my passion, and I find the most satisfaction when I witness my students thinking beyond conventional boundaries to unlock their true potential,” she says. In 2016, as she began facilitating her daughter’s academic journey, she felt overwhelmed by the myriad of decisions and paths that lay before her. In the absence of someone to guide her, she took the time to study and research the most effective higher education practices, adding to her expertise and knowledge from her years as an educator. “I started out by advising my daughter and her friends on parent forums, and soon I became the go-to mum on the topic,” she explains. In 2018, a close friend suggested that she should create a business and infrastructure to methodically support these students. With a focus on sincerity rather than financial gain, Credible-I was born. However, doing all the work alone would have been an impossible task, so she sought out Jayati Chowdhury, an experienced English teacher and writer with a collection of published poems and an ongoing blog. Ms. Chowdhury works as an academic consultant for university applications to help with the rigorous process of creating essays to complement student profiles, which are crucial to successful admissions. Central to Credible-I’s ethos is a focus on students’ individuality and unique needs. “Every child is special and has a life path that can suit them best, whether they know it yet or not,” Ms. Dutta argues. “The challenge is connecting their dreams to concrete steps Bahrainthismonth.com August 2024 15 and directions to follow. Sometimes they may prefer a particular educational institution, but alternative institutions located in various regions of the globe that specialise in their desired field of study offer the opportunity to collaborate with highly knowledgeable professors who can significantly enhance their learning experience. This is where our experience and knowledge are valuable inputs in their decision-making process.” The pair work closely with students to identify their unique strengths and help them use those strengths to develop a strong application. However, this process requires a lot of introspection and self-awareness. “Amidst the demands of academic assignments, homework and extracurricular activities, these children are deprived of the opportunity for introspection and selfdiscovery,” Ms. Chowdhury asserts. “Each individual has valuable life experiences that they frequently fail to recognise. I derive immense satisfaction from engaging in meaningful conversations with children, guiding them to gain clarity about their identity and aspirations. It’s gratifying to watch them grow through this process.” Credible-I has received glowing testimonials from students and parents, with clients routinely being granted admissions to top schools both in the US and around the world, including Ivy League Schools and Imperial College London. With such a decorated track record behind them, they look forward to helping many more students connect with their dreams. For more information, contact 36463317 or email [email protected] India In Bahrain

Bahrainthismonth.com 16 August 2024 India in Bahrain One of the cornerstones of AMAK Group’s success is its commitment to quality, health, safety and environmental management, evidenced by various ISO certifications. Dr. Mathur emphasises: “We succeeded in installing a management system that is responsive to the strict requirements of the certification process. We focus not just on technical expertise but also on aligning the management experience and deliverables, guaranteeing excellent products and services.” AMAK Group operates several subsidiaries across different sectors, ensuring synergy through effective communication and collaboration. “We strive to achieve cooperation among functions and business units through strong processes, open communication and a feedback culture” Dr. Mathur states. “Empowering team members to contribute their ideas is crucial.” The group has an impressive portfolio of major projects for high-profile clients and government organisations. “These include contracts with the Ministry of Interior, Municipalities Affairs & Urban Planning, Ministry of Housing and Bahrain Defence Force, as well as blue-chip companies like Bahrain International Airport, BAPCO, ALBA, GPIC and several VVIP clients,” he explains. Technical excellence and innovation are at the heart of AMAK Group’s operations. It maintains technical skills by identifying areas for improvement, validating standards and using comprehensive analysis tools to manage risk and exploit opportunities. Employee development and well-being are also top priorities for the company. “Investing in our employees through training and development opportunities is essential,” says Dr. Mathur. “Recognising and rewarding good performance, and providing growth opportunities, help maintain a positive and productive workforce. AMAK boasts a retention rate of 70 percent for employees working 15 to 20 years.” Client satisfaction and retention are achieved through a commitment to uncompromising quality and adherence to ISO standards. Clients are prioritised and ensure AMAK’s products meet the highest standards to guarantee customer satisfaction. Looking ahead, AMAK Group aims to expand both in Bahrain and the region, with a focus on the burgeoning solar energy sector. “We are positioning ourselves as front runners in the regional solar energy shift while maintaining quality standards and sales targets,” Dr. Mathur states. The company’s contribution to the community extends beyond its business operations. “AMAK supports local communities and charities, participating in various charity events and activities,” he explains. “This reflects our commitment to corporate social responsibility and sustainable business practices.” Despite the challenges facing the industry, such as maintaining sustainable cash flow and sales targets, AMAK Group remains resilient. “The biggest challenge is sustaining in the same field and maintaining sales targets,” Dr. Mathur acknowledges. “However, the company is well-positioned to navigate these challenges, thanks to its robust strategies and strong leadership.” Pioneering Progress Ahmed Mohamed Amin Alkhaja & Sons W.L.L. (AMAK Group), established in 1968, has seen remarkable growth under the stewardship of Dr. Krishan Kishore Mathur. With a 1,700 percent growth over the past 34 years and a significant increase in exports, Dr. Mathur has been instrumental in positioning the company as a key player in Bahrain’s technical landscape. He offers us insight into his successful leadership.

TEL: +973 17 727559, FAX: +973 17 728227 www.alkhajagroup.com TEL: +973 17 727559, FAX: +973 17 728227 www.alkhajagroup.com

Bahrainthismonth.com 18 August 2024 Reflections Info Systems has earned a remarkable reputation for providing businesses with IT solutions across India, Bahrain, the Middle East region and other countries across the world. We explore the stellar capabilities of the company that has grown exponentially under the leadership of Reflections CEO, Deepa Sarojammal. Reflections Info Systems, listed in the Deloitte Technology Fast 50 in 2022 and 2023, is a technology innovation services provider that delivers ROI driven Data Science & Analytics, AI/ML, Cloud, Hyper Automation, Cybersecurity, RPA, App and Product Development, Blockchain and Metaverse solutions to some of the top global brands in banking and financial services, healthcare, retail, logistics and transportation, automotive, and media and entertainment. Reflections helps its customers unlock new business potential through cutting-edge technology and innovation. Founded in 2008, Reflections has operations in India, Bahrain and the rest of the Middle East, US, UK, Australia, New Zealand and Fiji. With a 500+ strong team of creative, passionate industry experts and technology entrepreneurs, Reflections has grown exponentially over the last five years. Its deep technology service lines, with convenient and flexible consumption and commercial models, boosted by its partnership ecosystem that consists of the best in the world for niche solutions, help Reflections deliver unique and economic solutions to solve the modern-day challenges of its clients. Reflections is ably led by Deepa Sarojammal. A firm believer in servant leadership and empowering her team, she has been successful in scaling up Reflections fifteen-fold since she took over as the CEO of Reflections. A member of the Forbes Technology Council, Ms. Sarojammal has over 25 years of experience working for Fortune 500/Global 2000 organisations, driving transformative growth through strategy, process, people, and technology. Reflections is a part of the RP Group of Companies, a global conglomerate, involved in construction & infrastructure, information technology, healthcare & wellness, education, real estate, hospitality, travel & tourism, and retail & malls, famed for its committed, professional and dedicated workforce of over 150,000 employees. Its ability to maintain the highest standards of excellence in all activities has earned it the respect and recognition of customers and partners alike. Reflections offers a range of innovative IT solutions that can help businesses in Bahrain unlock new potential, improve operational efficiency, and stay competitive in the global market. Listed below are some of the possibilities: Data Science & Analytics: Helping businesses make data-driven decisions by providing advanced analytics and insights. AI/ML Solutions: Implementing artificial intelligence and machine learning to automate processes and enhance efficiency. Cloud Services: Offering cloud computing solutions to improve scalability and flexibility. Cybersecurity: Ensuring robust security measures to protect sensitive data and systems. Robotic Process Automation (RPA): Automating repetitive tasks to increase productivity and reduce errors. App and Product Development: Developing custom applications and products tailored to specific business needs. Blockchain and Metaverse Solutions: Leveraging cutting-edge technologies to create secure and immersive digital experiences. Reflections provides technology services to a number of organisations in Bahrain, helping them innovate, and improve their efficiencies. These collaborations have resulted in meaningful knowledge exchanges that enhance capabilities on both the sides, create joint ventures and joint go-to-market opportunities, and create job opportunities. Cultural exchanges that foster mutual understanding and respect have been by-products, thus nurturing the partnerships into successful long-term partnerships. For more information or inquiries, contact Reflections at [email protected] or visit reflectionsglobal.com Providing Unparalleled IT Solutions India in Bahrain

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