Meera’s Journey at AL WADI HOLDING

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I took the helm of ALWADI INTERNATIONAL exactly 3 and half years ago from this date and I feel so privileged and humbled for the role I have had to play.  I have faced many challenges over the years, but with the support and inspiration from family, colleagues, I have crossed them and learned many valuable lessons along the way.

It is not possible to write the story that I have carved and to name all the lessons learned, but I would like to highlight a few which was very important for me to run a company like this. These lessons are not only restricted to this role, but can be an inspiration to all and I hope this could be useful.


I truly think everyone needs vision for their life! What I have learned is “A vision defines where you are going and who you are becoming”.  Having a vision, keeps you focused and this in turn can help you make the tough decisions.

Where there is no vision, the people perish, and the same can be said of any institution.  When I took up the role, I believed that I needed to bring a sense of meaning to work I did every day. I knew that if we have to grow on a daily basis and be successful in this competitive world, we need to adapt to the changing expectations. We need to be proactive and responsive to the needs of the industry.

Hence I learnt that I had to  “Come up with a vision that not only reflects the direction of a company, but moves people, inspires people to make it a reality.”


Time :- The lesson is to think hard about your time and what values you can add. I was made to think about how important it is to balance short-term and long-term interests.

By focusing on Performance with a purpose, I was focusing not just on the short term but long term, not just in the sense of duration of time but most importantly on the duration of returns.  If we focus on the level of returns alone, even if it seems high in the short-run, it might not be sustainable.

Hence, my strategy was one to balance on both the time and duration of returns. As a result, we have been able to grow consistently with good returns over the period of time.

Change Management – Making Change Happen, and sticking to it.

The next focus was on the importance of persuasion. It was necessary that the team and others in the company also adopt the performance with purpose.

It is not that I did not face resistance. Not all efforts were successful too in the beginning.  But I stuck with it.  Today Performance with purpose has been ingrained into our day to day chores.

Good Listener

Listening is an important aspect. There are always lot of people with ideas for how we can do things differently. There may be ideas we don’t want to hear. But what I have learnt is when I am willing to listen, I have been better for it.

We get feedback from our clients, employees, colleagues, and I have also found that some of the best advice has come in moments I least expected it.

There’s a reason we have two ears and one mouth. We should do more listening than talking. We should lead but we should also learn to follow, if needed. We should listen to the wisdom all around us.

Willing to Learn

I have always been a very good student throughout my school and college life. I love to keep studying.  Even in my working career too, I have always done some studying and managed to earn some accreditations.

It is important to be a lifelong student, as we are living in a world where new trends, technologies are transforming our industry and world.

A COO today requires more than just academic qualifications. It requires closely observing things. I am constantly trying to consume as much information as I can from many sources, so as to better each day and pass on the knowledge to my team. I can’t afford to stop learning.

People are everything 

The success of an organization can be attributed to not one person or one thing but to the entire TEAM. Things have changed from the past, where if you wanted to the best talent it was all about job. But in the current era, you have to appeal not only to your employees’ heads, but also to their hearts.

A written appreciation, a pat on the back goes a long way to motivate. I always believe in this aspect and implement them as and when and wherever I can.

The impact of these letters has led to some of the most meaningful experiences.  The reactions you get will move you more than you can know.

I’m learning new lessons every day. But these are the few critical lessons I wanted to share with you. These seven lessons translate into the characteristics of a great leader:  Vision. Persistence. Persuasion. Listening. Learning. Collaborating. Humility. Probably no single person embodies all these virtues. But anyone who can do these seven things, who possesses these seven qualities, will be a formidable leader.


Meera Niar


What is Debt Collection Company? and how it works?

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When it comes to debt collection, many people think that a debt collection company always creates a tough situation for a debtor to collect money. They seal their assets or throw their family down to the street because the rent is overdue, and trying to portray that these debtors are like villains or thieves.
But the fact is the lender are the ones who offer a credit line, rent home, sell their product and give the debtor agreed to owe.
The creditors do have a right to their money, and a debt collector is simply trying to reclaim what is legally and ethically owed by you.
Debt Collection vs Legal Debt Collection

1. Debt Collection
In this phase the debt collection company work internally between debtor and creditor. The company collects all necessary information about debtor, his contacts and assets. They do skip tracing if the debtor is disappeared. The collection company team contacts the debtor through email, cold calls, and sometime visits personally. Guide the debtor, tell him the consequences and do necessary negotiations.
a. If the debtor is not in the same country then the company assign the case to outside a third party and share the overall commission,
b. It is also possible that that a debt collection company buy the debt and the creditor has no involvement. It is call write-off.
If a debt collection company has violated your rights under the FDCPA through repeated contact, abuse, threats, misleading information or false representation, you can sue them in state court.

2. Legal Debt Collection
If the debtor refuses to pay then there is another level where company files a civil lawsuit in UAE / Global courts against the debtors, claiming the due amount plus legal interest. Where legal notice have been already placed. The debt collection company provides all the required documents to a lawyer to implement the judgment through the court by all means necessary. The debtor can face travel Ban, selling mortgaged assets or provisional seizure. The debtor can also face imprisonment or life ban if he/she works in UAE.

Friendship in Social Media Era

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Adnan Ali Syed

Operational Head at 1851 Laundries

“Happiest are the couples that are good friends first then spouses.” “No hiccoughs in life, given the couples treat each other as best friends and etc.” For the same reason, researchers suggest that the happier couples are more likely to live 10% longer, and become richer than those unhappy.

Keeping in view such significance, International Day of Friendship is celebrated on July 30 every year which was first proposed in the year 1958 and is being observed since then. The day promotes the role of friendship to spread love, peace and harmony, reconciliation, solidarity, mutual understanding and togetherness all over the world.
While some are friends, some are just casual friends and some are very close friends. In order to comprehend the varying levels of friendship, one needs to understand “The Social Penetration Syndrome” of human psychological behavior. It proposes that, as relationships develop, interpersonal communication moves from relatively shallow, non-intimate phases to deeper, more intimate ones. And, finally surges to a phase where two complete strangers have grown best buddies.
Since it is significant to understand the very cores of friendship on one hand, nevertheless, the fast changing world has subsequently brought multiple challenges in the face of this relationship; costing not just its growth, but also its survival on the other hand. Some of those challenges are: People are too busy to talk. They live in different parts of the worlds so it’s rather unlikely to remain connected. Maturity made them affiliate to social and political norms in complete contradictions to one another, varying social statuses, religious bindings, and so on.
There are countless factors affecting the bond of friendship. However, the steps discussed below may help strengthen bonding.

Strengthening the bond and the latest trends to follow
With the advent of social media, including Facebook, Twitter, LinkedIn, Instagram, Whats App, Snapchat and etc., in the lives of almost every person who uses internet on PC, Smart Phones, IPad and other Gadgets; it is now much easier to stay connected to friends like never before.
I remember getting hocked by a post on Facebook, relating to the context of this write-up, which said: To remind your friend of your thoughts for him or her, go over the timeline and start liking, commenting and sharing posts. This could be used as a tool to bring round the upset friends as well.
And anyways, it does not take much to leave a reaction or a small comment on your friends’ posts which might be viewed as a big deal on his/her part. Always Remember: what goes around, comes around! And you may start receiving the same from your friends soon.
Identically, other social platforms, aside from Facebook, can be of great advantage in this regard too. You can like, comment, share, react on pictures, posts, statues, of your friends on purpose by taking separate time for these activities.
Another way of engaging your friends is to start a discussion on Facebook or a trend on Twitter, tagging your friends, so that they could express readiness to participate, which will eventually lead to make bonding stronger and more durable.
Many a times; things, places, and scenes around you, strike as a reminder of your certain friends. In such situations, it is advisable to take a picture or record a video and share on social media tagging those certain friends unless it is offensive.
We all have fond memories from our past, especially from school, college or university times and from past workplaces. Many of us log those memories and keep a careful record of them. You may, from time-to-time, share some snaps from those memories on social media and commence a chain of conversation from it. Better be mindful of the old times inappropriate memories which you know your friends will not appreciate anymore.
Points to Ponder:
Seeking attention from friends is a challenging task these days, for which, following steps may be of great help:
1. Twitting @ your friends’ Twitter account or retweeting tweets of them.
2. Congratulating your friends on their work anniversary on LinkedIn.
3. Instead of writing Birthday Wish on friends’ timeline, sending a private greeting message may work out very well.
4. Occasionally, texting in private message to check on their wellbeing.
5. Sending in greeting messages on special festivals like Eid, Diwali, Christmas and etc.
6. Writing such topics or things on the timeline of friends which they are interested in like movies, sports, celebrities, fashion and etc.
7. Trying your best to inquire after your friends in person when they or their family members are sick or injured.
8. Always seeking advices from your friends on certain issues pertaining to career, decision making, job seeking, changing jobs, and etc. and discuss their life experiences regarding those issues. This will make your friends feel special about themselves. Remember, two heads are better than alone. You may end up getting an advice which may prove fruitful in future.
9. Ever since WhatsApp gained fame, it has brought friends from far-flung areas to very close. So, better create a WhatsApp group of your school friends, college or university fellows, or office colleagues and share some attractive stuff with them.
Things to Avoid
1. Skip tagging your friends in posts which they are not in. This is perhaps the most hated offense on Facebook of all times.
2. Avoid marking your friends in tweets that are not interested in.
3. Always remember to apologize friends (informally) if they have been offended having been tagged in a post which they had not approved of.
4. Avoid taking up reckless habits from your friends’ childhood time especially in group chats or discussions.
5. Beware of sending messages or friend requests to the family members of your friends as some people do not approve of it.
6. It is advisable to always stay conscious of the religious, political, social affiliations and values deeply adhered to by your friends. For you may leave a comment, tweet or reaction to their tweets/posts that may prompt them either to unfollow you or unfriend you without your knowledge. And you might lose an old time good friend.
7. Avoid making fun of or cutting jokes on the statues of your friends which are marked as feeling annoyed, angry, sick or upset as this could lead them to respond aggressively, needlessly escalating the issue furthermore.
Apart from social media world, many a times, one-on-one meeting will help (strengthen) toughen the bonding of friends many folds. Invite them over for a cup of tea or a dinner. Cherish the old memories and enjoy that moment to your fullest.
Mostly, friends remember one another on special occasions like marriage, birthday celebrations or God-forbidden, the demise of a family member. However hard you may try to attend marriage or any happy occasion, it is advisable to leave no stone unturned to attend the death or funeral of the loved ones of your friends, since it is the time when a friend needs a friend more than ever. Remember, a friend in need is a friend indeed.

Dubai Solo Spread the Tolerance across Europe

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Inspired by HH Sheikh Mohammed bin Rashid Al Maktoum EXPO 2020 theme, Connecting Minds and Creating a Future, Dubai Solo, a team of well-educated and professional riders crossed 6 countries in Europe using their motorbikes to convey the UAE’s values of tolerance, acceptance and peaceful coexistence in a modern UAE whose vision is to connect with all mankind despite race, color and religion.

AL WADI HOLDING sponsored Dubai Solo’s initiatives and supported their journey as part of its’ Corporate Social Responsibility program. Mr. Ayman Al Wadi, Group Executive Chairman noted, “These types of initiatives are essential to building relationships with like-minded individuals and organizations to promote not only the values of tolerance and acceptance but to bring an awareness of the UAE’s history of tolerance and peace in the region.
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Dubai Solo.jpg

Social Awareness, ALWADI HOLDING with Dubai Cares

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Dubai Cares: This year’s recipient of the charity, will invest the funds in educating 70 children for a period of one year through the amount collected by the TCM Group’s Fourth Charity auction held in Dubai solely organized by ALWADI HOLDING (Alwadi Holding Int’l),
ALWADI HOLDING is the only proud shareholder of TCM Group in GCC,


The Global Trade Credit and Risk Management Conference

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Having a success with The Global Trade Credit and Risk Management Conference happening in Dusit Thani Hotel Dubai UAE
Its our pride that Mr. Fahad Al Gergawi Opened the Conference.

Introduction by Mr. Ayman Al WADI
ALWADI HOLDING Executive Chairman
Mr. Hubert Czapinski

TCM AGM – Dubai 2016

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