Amin Dandia

Accounting professional working in Islamic finance with a passion for technology

[Amin Dandia @amindandia]

@zeeshanusmani

[Amin Dandia @amindandia]

As part of #GKMBA we have been asked to pledge publicly to not watch any reels for three months. This time saved to be used in personal development. #zeeshanusmani
#noreels

[Amin Dandia @amindandia]

@zeeshanusmani It's really transformative and learning about future especially in the field of AI

[Elias @iam_elias1]

A phone repair shop owner with 15 years of experience posted his "never do" list.

He's repaired over 30,000 phones. iPhones, Samsungs, Pixels everything.

He says the same 7 mistakes walk through his door every single week. They destroy more phones than drops, water damage, and age combined.

Number 4 is something most people do every single night.

Here's the full list. 🧵

[Roberto A. Ruarte @roberto_ruarte]

Por eso también cayeron. En momentos así no existe el “activo seguro”.

La gente no vende lo que quiere vender… vende lo que puede vender.

Mi análisis personal: el mercado está preciando la suba de tasas de Japón.

Si te gusta este tipo de contenido da me gusta y comparte.

Quien no me siga estará quedando fuera de los avisos importantes!

[Basel Alotaibi بـاسـل العتيبي @AlotaibiBasel]

لكي نفهم الخبر:

🇰🇼 الكويت لا تبيع النفط… بل تسعر تدفقه النقدي

بحسب تقرير وكاله رويترز
Kuwait Petroleum Corporation تقترب من واحدة من اضخم صفقات البنية التحتية في المنطقة، عبر بيع حصة استثمارية في شبكة أنابيب النفط بقيمة تقارب 7 مليارات دولار، مع تمويل مصرفي بنحو 6 مليارات دولار يمتد لـ 20 سنة

📌 ما هو المشروع؟

الصفقة لا تعني بيع الأنابيب نفسها، بل بيع حصة في العوائد المستقبلية المرتبطة بها.

غالبا سيتم ذلك عبر هيكل مالي مستقل SPV كما حدث في صفقات مشابهة بالخليج بحيث يحصل المستثمر على جزء من الإيرادات الناتجة عن استخدام الشبكة لسنوات طويلة، بينما تبقى السيطرة التشغيلية بيد الدولة.

📌 كيف يربح المستثمر؟

كل برميل يمر عبر الشبكة يحمل قيمة نقل أو رسوم استخدام.

رسوم العبور (Tariff): مبلغ ثابت لكل برميل مضمون تعاقديا بغض النظر عن سعر النفط.

مثال توضيحي:

إذا حصل المستثمر على 0.5 دولار لكل برميل يمر عبر الأنابيب، فهذا يخلق تدفقات نقدية مستقرة نسبيا، ومنفصلة بدرجة كبيرة عن تقلبات أسعار النفط نفسها

لهذا النوع من الأصول جاذبية عالية لدى الصناديق العالمية، لأنه يشبه أصول الطرق والمطارات والموانئ:

✅ دخل طويل الأجل
✅ يمكن التنبؤ به
✅ أقل تقلبا من السلع نفسها

📌 البنوك المشاركة تعكس حجم الصفقة:

HSBC
JPMorgan Chase
National Bank of Kuwait
Kuwait Finance House

مع تسعير وصف بأنه تنافسي رغم ظروف المنطقة.

📌 ما الذي تكسبه الكويت؟

🔘 سيولة فورية بمليارات الدولارات
🔘 الاحتفاظ بالتحكم والتشغيل
🔘 تمويل مشاريع توسعية جديدة
🔘تحسين الميزانية دون خصخصة كاملة
🔘تحويل أصل ساكن إلى أصل منتج ماليًا
🔘 مشاركة جزء من المخاطر المالية والتجارية

📌 من سبق الكويت في هذا النموذج؟

🔘 Saudi Aramco

▪️ باعت 49% من شركة Aramco Oil Pipelines Company
▪️ المشتري: تحالف بقيادة EIG Partners
▪️ القيمة: 12.4 مليار دولار
▪️ الضمان: Take or Pay لمدة 25 سنة
▪️ النتيجة: سيولة فورية مع احتفاظها بالسيطرة الكاملة على التشغيل

🔘 Abu Dhabi National Oil Company
(ADNOC)

▪️ باعت 49% من شبكة أنابيبها
▪️ المشتري: تحالف دولي بقيادة BlackRock + KKR
▪️ القيمة: 4 مليارات دولار
▪️ كانت الصفقة الأولى من نوعها في المنطقة
▪️ كررت النموذج لاحقًا مع أصول أخرى وجمعت عشرات المليارات

📌 للتوضيح: المعلومات أعلاه مبنية على ما نشرته Reuters وتحليل صفقات مشابهة ولا يوجد إعلان رسمي نهائي من
Kuwait Petroleum Corporation حتى الآن

ويفضل دائما الاعتماد على البيانات الرسمية الصادرة من المؤسسة والجهات المختصة باعتبارها المرجع النهائي

[حمد بوقماز | Hamad Bouqammaz @HAMADBOUQAMMAZ]

اقترح بإنشاء "مطار الوفرة الدولي"
لتوفير عمق جغرافي بعيداً عن توترات "جيران السوء" وقريباً من عمقنا السعودي الآمن
منها يخدم أهالي المناطق الجنوبية مثل
(صباح الأحمد و جنوب صباح الأحمد و الخيران السكنيه و الوفرة السكنيه الخ..)
و كذلك يخدم أشقاءنا في منطقة الخفجي
الفكرة منها الأمن و التنمية وبعد النظر

[Moeed W. Yusuf @YusufMoeed]

I don’t use social media to pontificate but this needs to be said.

If no off-ramp is found within the next week, history will write of this Middle East conflict as WWIII. Very soon, it will resemble a global conflict in terms of the number of countries involved, the intensity of violence, and the spread of its absolutely catastrophic consequences. Those who can must prevent this from happening.

[Shanaka Anslem Perera ⚡ @shanaka86]

Seven clocks are running. None of them negotiable. All of them counting down to the same weeks.

The planting clock. Mid-April is the biological deadline for corn and soybean planting across the US Midwest. Every day that passes without nitrogen becoming affordable and available narrows the window for corn. USDA projects corn falling to 94 million acres from 98.8 million. Soybeans rising to 85 million from 81.2 million. The seeds that go into the ground in the next three weeks determine America’s grain harvest in October. The decision is irreversible.

The USDA clock. March 31. Prospective Plantings. The report that converts farmer intentions into official data. Every acreage number, every corn-soy ratio, every nitrogen-dependent calculation becomes a published fact that traders, governments, and food agencies will use to model global supply for the next twelve months. The number arrives in twelve days.

The FAO clock. April 3. The Food Price Index. The first global reading that captures post-Hormuz commodity prices across cereals, vegetable oils, dairy, meat, and sugar. The 2022 peak was 159.7 in March 2022 after Ukraine. This reading will incorporate oil above $100, urea at $610, LNG halted, packaging repriced, and freight surcharges of $500 to $1,500 per container. The number that determines whether the UN declares a food emergency arrives in fifteen days.

The pharmaceutical clock. India’s API inventory buffers are two to three months, measured from the war’s onset on February 28. Late May is the depletion window. Methanol at 87.7 percent Hormuz exposure feeds the solvent chain for paracetamol, ibuprofen, metformin, and antibiotics. Once buffers deplete, the shortage becomes a patient access crisis for the 47 percent of US generics that originate in India.

The China crude clock. FGE NexantECA confirmed China is drawing commercial reserves at up to one million barrels per day. The draw sustains refinery operations for four to six weeks from March 19. Mid-April to late April is the exhaustion window. After that, China faces three options: accelerate Russian pipeline imports, reroute at massive premium, or crack open the strategic petroleum reserve. The third option reprices every commodity on the planet.

The helium clock. SK Hynix and Samsung hold two to three months of helium inventory. Late May to early June is the depletion window. South Korea imports 64.7 percent of its helium from Qatar. Ras Laffan is offline. If helium buffers deplete before alternative supply arrives, semiconductor fabrication faces rationing. The AI hardware supply chain hits a physical wall measured in months, not quarters.

The insurance clock. Solvency II requires 30 to 60 days of zero incidents before P&I clubs can reinstate war risk coverage. Even after a ceasefire, the insurance normalisation takes six to sixteen months based on the Red Sea precedent of 26 months and counting. The logistics system lags the financial relief rally by the longest duration of any clock in this crisis.

Seven clocks. The shortest expires in twelve days. The longest runs for over a year. The planting window, the USDA report, the FAO index, the drug buffers, the Chinese crude draw, the helium inventory, and the insurance cycle are all counting down simultaneously. None of them pause for diplomacy. None of them respond to presidential directives. None of them read sealed packets.

The calendar is the only actor in this war that has never lost a negotiation.

https://t.co/iFmUcarGdV

[Reuters @Reuters]

Exclusive: Macquarie walks away from Kuwait oil pipelines deal amid Iran war, sources say https://t.co/WQWVoFZ7lT https://t.co/WQWVoFZ7lT

[CA Vivek Khatri @CaVivekkhatri]

🚨 BREAKING:

Iran didn't respond to US bombs with missiles.

They responded with GAME THEORY.

And in doing so, they may have just fired the most dangerous shot at the US dollar in 52 years.

Here's the move most people completely missed: 🧵

(Read this slowly. Share it widely.)

[The Kobeissi Letter @KobeissiLetter]

https://t.co/d7iboqBMtn

[Healthy Food @food_health_joy]

How to add protein in our day:

[Shaykh Muhammad al-Yaqoubi @shaykhalyaqoubi]

In this day and age when a women protects her chastity and puts on hijab, proper hijab and she prays five times a day then she is a waliyyah of Allah, a woman of Allah, the same for a young man having a son who is fifteen or twenty and he's righteous. Be grateful if he prays five times a day, is righteous and not mixing with bad company, because a young man with these qualities is very rare in these times.

[Amin Dandia @amindandia]

@shreefjamal23 .

[S Akbar Zaidi @EDIBAKarachi]

worth reading, good analysis and insight https://t.co/iLdpblsK0w
for those interested in the political economy perspective, do see Partha Chatterjee's The Politics of the Governed, and his Lineages of Political Society @nadeemhaque

[FrameTheGlobe @FrameTheGlobe]

X is working overtime to break up my threads to make them hard to follow. Here is my Part 1 of 2 on Modi’s India.

[Zhao DaShuai 东北进修🇨🇳 @zhao_dashuai]

Thread🧵

My assessment on how India may change the way they conduct war after this defeat by Pakistan.

And what Pakistan must do to prepare.

🔴India will decrease or outright refuse to use air assets in the future against Pakistan, due to being out matched.
Here's why:

[Turkish Century @TurkishCentury]

🇵🇰💥🇮🇳 -- SIGNAL WARS ⚡️

Did Pakistan's Chinese-made jets really manage to shoot down several of India's French-made Rafale, and Russian-made Mig-29 and Su-30 fighters all on their own, or did they get "Some Help" from the ground?

Many military analysts are now leaning towards the latter: Enter #KORAL, a comprehensive #ElectronicAttack system developed by #NATO-member Türkiye's #Aselsan, an electronics powerhouse listed at the #42 spot on #DefenseNews' prestigious global Top 100 military contractors.

According to the "Koral Theory", Pakistan used the system to not only blind India's radars across wide swaths of land (e.g. across the border), but also to scramble their fighter jets' HF/VHF/UHF communications, rendering their whole "flight plan" inoperable.

After suddenly losing radar picture and now unable to communicate with their base or even each other, Indian pilots begun to panic in the darkness of the night, lost their coordination, and became easy prey for Pakistani air-to-air missiles.

Koral could've also DIRECTLY caused some Indian aircraft to crash on their own as the system's directed energy pulses can disable onboard GNSS, VOR/ILS, DME, 75MHz marker beacons, ADS-B, TCAS, ELT, SATCOM, weather radar and even Wi-Fi signals from hundreds of kilometers; making night-time IFR navigation impossible and causing enemy jets to literally run into mountains.

Now, it is very important to point out the fact that Pakistan has not announced or admitted the purchase of the KORAL #ElectronicWarfare system. But why would they? Openly declaring its existence gives Islamabad no advantage while only making its presence "felt", like yesterday, gives Islamabad strategic ambiguity and more importantly; Plausible Deniability.

Unfortunately, there's no way to know for sure whether Pakistan deployed the KORAL [or even owns it] unless it is officially declared by the authorities, displayed in a parade, or undeniable evidence of its existence somehow leaks to the media, which is not the case here. So, for now, all we can do is speculate. But considering the plethora of evidence gathered throughout yesterday, lack of HUD video, pilot voice recordings, or radar imagery shows widespread Electronic Warfare might indeed have been critical in the events of yesterday.

You can learn more about the KORAL at https://t.co/hr6sUjOo6k

What's your opinion on this?
Do you think Pakistan used the KORAL?
Like & share your thoughts in the comments!

[Amin Dandia @amindandia]

Ramadan 2024 https://t.co/uUd4n7yh1F https://t.co/p7vOyASjxp