{"id":51070,"date":"2025-09-18T00:41:48","date_gmt":"2025-09-17T21:41:48","guid":{"rendered":"https:\/\/entarabi.com\/?p=51070"},"modified":"2025-09-18T00:47:55","modified_gmt":"2025-09-17T21:47:55","slug":"madkhol-financial-launches-ratibi-to-boost-savings-and-job-stability-in-saudi-arabia","status":"publish","type":"post","link":"https:\/\/entarabi.com\/en\/2025\/09\/madkhol-financial-launches-ratibi-to-boost-savings-and-job-stability-in-saudi-arabia\/","title":{"rendered":"Madkhol Financial Launches Ratibi+ to Boost Savings and Job Stability in Saudi Arabia"},"content":{"rendered":"<p dir=\"ltr\" style=\"text-align: left;\">Madkhol Financial, a CMA-licensed platform specializing in robo-advisory investment solutions, announced the launch of its new program \u201cRatibi+\u201d during its participation at Money 20\/20, one of the world\u2019s leading fintech events.<\/p>\n<p dir=\"ltr\" style=\"text-align: left;\">The program is designed to combine savings with investment to strengthen employee loyalty and create a more stable work environment.<\/p>\n<h2 dir=\"ltr\" style=\"text-align: left;\">An Innovative Financial Program<\/h2>\n<p dir=\"ltr\" style=\"text-align: left;\">The launch of \u201cRatibi+\u201d comes at a time when companies are facing increasing challenges in attracting and retaining talent.<\/p>\n<p dir=\"ltr\" style=\"text-align: left;\">The program is built on the principle of investment partnership between the employee and the employer.<\/p>\n<p dir=\"ltr\" style=\"text-align: left;\">A portion of the employee\u2019s salary is automatically deducted and invested in a managed portfolio, while the company adds a matching contribution tied to a vesting period defined by its policies.<\/p>\n<p dir=\"ltr\" style=\"text-align: left;\">This mechanism provides employees with the opportunity to build an additional retirement income, while giving companies a practical tool to enhance loyalty and reduce turnover.<\/p>\n<p dir=\"ltr\" style=\"text-align: left;\">On this occasion, Saad Al-Atiyan, Co-Founder and CEO of Madkhol, stated:<\/p>\n<blockquote>\n<p dir=\"ltr\" style=\"text-align: left;\">\n\u201cRatibi+ is not just a savings plan,it is a true partnership between the company and its employees. We are redefining the employer-employee relationship by linking salaries to smart investment, creating value for both sides&#8221;.<\/p>\n<\/blockquote>\n<p dir=\"ltr\" style=\"text-align: left;\">He add:<\/p>\n<blockquote>\n<p dir=\"ltr\" style=\"text-align: left;\">&#8220;We are confident this program will help foster a more stable work environment and promote a culture of saving and investing in line with Saudi Vision 2030.\u201d<\/p>\n<\/blockquote>\n<h2 dir=\"ltr\" style=\"text-align: left;\">Importance for the Saudi Market<\/h2>\n<p dir=\"ltr\" style=\"text-align: left;\">Studies indicate that employee turnover rates in some sectors exceed 30% annually, placing a significant burden on companies in terms of recruitment and training costs.<\/p>\n<p dir=\"ltr\" style=\"text-align: left;\">At the same time, the national savings rate in Saudi Arabia stands at only 6% of household income, compared to a global average of 20%.<\/p>\n<p dir=\"ltr\" style=\"text-align: left;\">Against this backdrop, \u201cRatibi+\u201d offers a practical solution by encouraging long-term investment habits among employees, while enabling companies to retain top talent and reduce attrition directly supporting the goals of Saudi Vision 2030.<\/p>\n<h2 dir=\"ltr\" style=\"text-align: left;\">About Madkhol<\/h2>\n<p dir=\"ltr\" style=\"text-align: left;\">Founded in 2022, Madkhol became the first integrated robo-advisory platform in the Middle East to provide smart money management solutions.<\/p>\n<p dir=\"ltr\" style=\"text-align: left;\">In a short period of time, the company has positioned itself among the top five robo-advisory platforms in Saudi fintech, driven by strong growth in assets under management and a rapidly expanding user base that includes thousands of individuals and companies across the Kingdom.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Madkhol Financial, a CMA-licensed platform specializing in robo-advisory investment solutions, announced the launch of its new program \u201cRatibi+\u201d during its participation at Money 20\/20, one of the world\u2019s leading fintech events.<\/p>\n","protected":false},"author":11,"featured_media":51067,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"post_subtitle":"","footnotes":""},"categories":[9474],"tags":[9646,9648,9647,9649],"class_list":["post-51070","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money2020","tag-madkhol","tag-money-20-20","tag-ratibi","tag-saad-al-atiyan"],"_links":{"self":[{"href":"https:\/\/entarabi.com\/en\/wp-json\/wp\/v2\/posts\/51070","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/entarabi.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/entarabi.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/entarabi.com\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/entarabi.com\/en\/wp-json\/wp\/v2\/comments?post=51070"}],"version-history":[{"count":0,"href":"https:\/\/entarabi.com\/en\/wp-json\/wp\/v2\/posts\/51070\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/entarabi.com\/en\/wp-json\/wp\/v2\/media\/51067"}],"wp:attachment":[{"href":"https:\/\/entarabi.com\/en\/wp-json\/wp\/v2\/media?parent=51070"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/entarabi.com\/en\/wp-json\/wp\/v2\/categories?post=51070"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/entarabi.com\/en\/wp-json\/wp\/v2\/tags?post=51070"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}