التمويل الشخصي Credit and Personal Finance

Program Overview

Financial stress affects employee wellbeing and productivity, and much of it stems from poorly understood credit. «التمويل الشخصي Credit and Personal Finance» builds practical money management skills: household budgeting, understanding personal loans, credit cards and Islamic financing products, the true cost of borrowing, how credit bureaus such as SIMAH in Saudi Arabia and Al Etihad Credit Bureau in the UAE score behaviour, debt management strategies, emergency savings, basic investing and planning for end-of-service benefits and retirement.

Learning Outcomes

• ✓Prepare a monthly household budget and identify realistic savings targets.
• ✓Compare personal loans, credit cards and Islamic financing offers by their total cost of borrowing.
• ✓Explain how credit reports and scores are built and what actions improve them.
• ✓Design a debt repayment plan using avalanche or snowball methods.
• ✓Build an emergency fund plan and a basic savings and investment allocation.
• ✓Estimate end-of-service and retirement needs and outline a long-term plan.

Target Audience

• Employees in organisational financial wellbeing programmes
• HR and employee benefits officers
• Retail banking customer advisers and branch staff
• Young professionals and new graduates entering the workforce

Detailed Program Modules

Training Methodology

Applied Project & Assessment