Saudi Salary Racism- What is the Color of Your Passport?

You might have heard how employees in Saudi Arabian workplaces get different pay for the exact same job. Westerners might earn ten times more than their just as qualified Asian colleagues for the same amount of work. How does this effect the working environment, with such huge differences in wages between employees?

In a previous post I wrote about the workplace bullying problem in Saudi-Arabia. It was mentioned how the salary disparity between different nationalities is at least partly to blame for this unfortunate phenomenon. Read that post hereSaudi Hospitals, Bureaucracy and Bullying. 

The wage system in Saudi-Arabia is completely based on the color of the employee’s passport. This goes for all companies hiring foreign staff. My experience is from the nursing field so I will talk more about that specifically. Surprisingly, despite their higher wages, many westerners “run away” from their employers in KSA. Read more in this post: KSA’s Runaway Employees
In most countries the nursing salaries are seen as too low compared to the education level and the actual job responsibilities and duties. The salaries will however usually increase as the nurse gets more experience and training over the years. In Saudi-Arabia on the other hand the staff nurse with only two years working experience and the one with 30 years experience plus additional training to earn the same. There are no age or experience benefits and specializing in a field will only slightly increase the salary.

saudi salary racism passport colors

The only determining factor for the salary is the passport with which the employee is applying for the job. In fact, not even nationality matters.
Take for example an Indian national who worked in Great Britain and obtained a British passport and dual nationality. He will naturally apply to work in Saudi with the British passport because of the much fatter pay check.
Some Asians (particularly Filipinos) knowing this, travel to Canada just to get the passport. It’s the easiest country to obtain a passport from in just a few years. The expats then relocate to the Middle East, applying for the job as Canadians, this way multiplying their earnings.

To illustrate the gross salary disparity, I drew up a totally fictional salary table of nurses working in Saudi-Arabia. This table is in no way based on any official documents whatsoever and is completely made-up. I honestly don’t even have the specific amounts in my knowledge. I have however during the years come to hear people talking about their salary and other’s salaries and even seen some payslips that had been left lying around in the staff room accidentally (or purposely?) to have a very generalized idea about it. There’s plenty of info available online too.
Salaries of course vary from one hospital to another and there is a difference between private hospitals and government owned, with the latter paying higher salaries.

Passport                                  Basic salary per month Saudi riyals
Indian                                      2500
Filipino                                    3500
South African                          7000
Malaysian                                8000
Arabs (Lebanon, Jordan etc)   10000
Saudi                                      11000
European (British,German etc)16000
American (Canada,Australia)  18000

So basically the lowest paid are the Asian passport holders and highest salary goes to U.S. and Canadian passport holders. This system is said to be based on the standard of living in the home country of the employees. In other words, what the money will buy the employee back home and the cost of living and the value of money in each country. It’s also said to be based on the quality of the education that western vs. Asian nurses have.

For example a Filipino earns so much in the Kingdom she’s able not only to live a very comfortable life there but also support her extended family back home and maybe even purchase a house and a car. The money the Filipino nurse earns in Saudi, although MUCH less compared to what their western colleagues are earning, will in comparison get them more back in their home countries.
On the other hand the American nurse, although she earns more than in the U.S, does not get a significant pay raise. Many are able to travel and save some money, maybe pay off loans but there is no way they could support others and make large purchases at the same time.

According to this source the starting salary for Indian nurses in their home country is 2300 rupees a month which is about 41 U.S dollars (150SAR). The maximum salary with all benefits would be around 5000 rupees, or 90 dollars. The estimated earnings of an Indian nurse in Saudi-Arabia, around 2500 to 4000 SAR is around 1000-2000 U.S dollars at the current exchange rate. That would add up to roughly 58,000 rupees. That’s a staggering difference to what they earn back home.

Filipino nurses earn approximately 5000P a month back home in the Philippines, which is about 450 SAR (120 U.S dollars). A news article from 2009 states Pinoy nurses salaries in government hospitals will be raised from 2550 to 3500SAR. If they earned the estimated 3500SAR a month in Saudi-Arabia that would be roughly 39,000P. That’s almost ten times more than what they would earn in the Philippines.

Compare this to the European nurse. Say she earns about 2400 euros at home minus taxes, leaving her with about 1600 euros a month. That’s roughly 7500 Saudi riyals, or if counted from the salary before tax cuts, 11,000. In Saudi her salary will increase about 30% from this. If the European were to get a comparative pay raise to the Asians, her salary would end up being something around  26,000 euros or 120,000SAR a month! Gasp.

By doing some more maths (which I suck at btw) I discovered that the Filipino who first went to Canada to get the passport, actually literally becomes a millionaire (but only in the Philippines) by just working a few years in the Kingdom!

Another interesting aspect is how the Saudi nationals themselves get lower pay than westerners. This is very strange to me. Why don’t they value their own citizens more? Do they think Saudi employees are not as efficient or highly trained as the western nurses and thus don’t deserve as much pay? I have to admit I heard many nurses complaining about the laziness or lack of training of the Saudi nurses.

Even though I understand partly why they thought up this kind of system in the first place and it does have some sort of rationale behind it, it still causes a lot of tension in the workplace. At the end of the day it IS unfair to pay one employee ten times more in Saudi riyals for the same job, just because of their nationality. The difference in salary causes tension and conflicts in the working environment and can potentially cause one nationality to hold grudges and feel jealousy toward another.

So is there a solution to this salary racism? Could all employees be paid the same salary regardless of their passport color? If the wages went down significantly how would Saudi companies be able to attract western employees anymore? If employees from poorer countries started earning the same salaries as westerners in Saudi do, what would happen? An overwhelming influx of Asian employees? How about raising the Saudi’s salaries in order to motivate them more? Would making the salaries more equal make the working environments more tolerable places for all nationalities to work harmoniously in?

If these salaries are based on the cost of living back home and education levels then why do some employees get paid according to their newly obtained passports? What about a Saudi or Asian employee who trained in the west? Or a western nurse that got their education from a third world country? This system seems to have so many loopholes and other negative aspects to it that I think at least some sort of reform could certainly do good for the Saudi workplaces.

http://www.gmanetwork.com/news/story/230710/pinoyabroad/filipino-nurses-in-ksa-urge-action-on-hospital-pay-gaps

http://www.philstar.com/Article.aspx?articleId=785893&publicationSubCategoryId=63

 

 

 

 

(Visited 33,981 times, 1 visits today)
|pin this|tweet it|Share to facebook|Contact us
  • NoorJuly 15, 2012 - 8:21 pm

    Great Post Laylah I know I hate it bc my husband is a Saudi yet has a American degree that seems to hold no value since hes still a Saudi at the end of the day. People doing his same job or less that hold an American degree make more. I was even offered a job bc I am an American and I do not even hold a degree in that field making almost double what he does. Its not fair at all. I think the main person getting paid should be the Saudi if they are going to have any system at all.ReplyCancel

    • LaylahJuly 17, 2012 - 9:39 pm

      Noor I agree it’s sometimes completely absurd and really is not based on who is the most qualified person for the job!
      Saudis should get more other benefits such as housing and schooling and transport (especially for females) allowances!
      Compare to all those benefits the foreign workers get, free accommodations, transport, tickets home and back..ReplyCancel

      • williamApril 26, 2016 - 6:14 pm

        How can you attract people from western countries if you offer a salary who is wonderfull for asian but ridiculous for them? think about it since the cost of the life is completely different and sometime the gap is 10 time different.ReplyCancel

  • Asmaa @ Bake It...July 15, 2012 - 10:30 pm

    Salam alaikum

    Interesting post mashAllah
    Noor told me about your blogReplyCancel

    • LaylahJuly 17, 2012 - 9:39 pm

      Salaam Asmaa welcome to my blog and thanks for stopping by!ReplyCancel

  • Susie of ArabiaJuly 16, 2012 - 12:28 am

    My husband is Saudi and attained his PhD in Reading and ESL from the USA while on the Saudi scholarship. So in other words, KSA paid for my husband’s education. But here’s the kicker. When he returned to KSA to try to find a job in his field (this was in 1991) which was teaching English as a Second Language, he could not get a job here! Why? Because at that time, they only wanted native speakers of English. This makes absolutely no sense what-so-ever, does it? And now, there are such poor English speakers with bad accents teaching English here that the students cannot even understand the teachers. My husband’s English is perfect, yet they wouldn’t hire him back then. Some things are just so screwed up here…ReplyCancel

    • AnonymousJuly 17, 2012 - 8:31 pm

      I was shocked to find among the university(!) teachers (the American and Australian passport holders) people whose previous experience was related to whatever but not teaching. One of them was spell-checking the word “writer” because she was not sure about the suffix -er or -or)) The other was persistently saying “arrive to” and confusing singular and plural. Of course, it does a lot of harm because what can be more dangerous than ignorant educators?ReplyCancel

    • LaylahJuly 17, 2012 - 9:43 pm

      Susie-that is totally screwed up! it still happens though! And funny how they are not even that specific of the nationality of the so called native speaker. For example, I was offered a job as an english teacher (I have no experience or training whatsoever) to teach at a girls school in Riyadh, for about the same pay as I get from nursing..Because I have an american accent and I’m fluent, so they are hiring people JUST for the accent. I declined because I thought it was ridiculous!ReplyCancel

  • AnonymousJuly 16, 2012 - 2:33 am

    @Noor
    I agree, a very good post.

    @Laylah
    I also agree that the salary disparities could and does cause conflicts and that reform is needed. I’m not sure if there’s any magic bullet to this issue. It’s a sticky one.

    I guess we’d have to look at how other countries are able to fair with regards to salaries based on education and skills no matter what one’s nationality or color of passport. But here in America, we suffer from racism on another level.

    The white male (may or may not have a degree or experience) still gets paid more than the black male (having a degree), white females (having a degree) and all others following. How that math is done, I have no Idea. It boggles the mind.

    Maybe they’ll all figure it out one day.

    Out of curiosity, how is it in Finland? What’s the pay scale for foreign workers? Are there any differences in pay based on job?

    ThanksReplyCancel

    • LaylahJuly 17, 2012 - 9:48 pm

      We have some similarity in Finland to what you are describing, but the salary differences are nothing compared to the Saudi scale!
      The minimum wages are the same for every nationality, but you will find many foreigners (e.g Russians,Estonians,some of African origins) doing the lowest paid jobs and not so many Finns doing those jobs anymore. For example bus drivers, cleaners and so on.ReplyCancel

  • DianneJuly 16, 2012 - 3:27 am

    Hi Layla!

    Nice post! I enjoyed reading it. I saw some of the links you have at the end of the article and I actually go and read news on those sites. lol

    Anyway, I’m just wondering where did you get the conclusion that Filipino nurses become “millionaires” after a couple of years in KSA? Because I highly doubt they become one back there. Most of their salaries go to their families to help pay the bills or help a couple of siblings finish college (which is very expensive btw). So in short, they hardly save money for themselves. Their families’ living improve there though, but in exchange for them leaving their families.

    Keep writing interesting posts Layla. :)ReplyCancel

    • LaylahJuly 17, 2012 - 9:52 pm

      Dianne-I meant they become millionaires in the sense that they earns millions counted in local currency :) NOT that they can live lives of millionaires! But sure they and their families do get better life from the earnings of those relatives who relocated to Saudi.ReplyCancel

    • DianneJuly 18, 2012 - 4:34 am

      Yeah, this is kind of sad you know. If only they get to keep the money for themselves so they could invest the money into something (some do). But for them, I guess it’s ok that they don’t get to live like millionaires from what they earn…however their consolation for that it they get to provide for their families.

      You should try and interview a couple of them (not just nurses). Almost all of the news coming from KSA to PH is negative, unfortunately. I suggest you try and show both sides of their situations (good and bad). I could provide you some links regarding about the unfortunate events that Filipinos experience there. I’ll try and find some positives too. Just let me know if you’re interested.

      Take care Layla! :)ReplyCancel

  • ربة منزلJuly 16, 2012 - 5:24 am

    This comment has been removed by the author.ReplyCancel

    • LaylahJuly 17, 2012 - 9:48 pm

      ? why was it removed?ReplyCancel

    • ربة منزلJuly 18, 2012 - 7:59 am

      Did not feel that the comment belongs to this discussion :)
      Also, I have to learn more about the topic to be able to discuss it. However, I do remember someone telling me that the salary gap according to nationality or race is a common thing in companies. It is taught in school business and a friend told me today that it is called: Race/Ethnic wage gap.ReplyCancel

  • AliceJuly 16, 2012 - 8:54 am

    same salary differences based on passports exist in the UAE. My husband’s cousin was a doctor and his salary was considerably less than of his western passport holders colleagues who actually graduated from the very same university as him! This Emirati doctor felt unappreciated and thought of migrating to Canada where his salary was higher than in the UAE.
    My husband is negotiating salary with a Dubai company and they say the salary he’s asking is too high (for an Emirati), at the same time they pay much more to British citizens at the same position. Some say Emiratis are “cheap labor” in their own country comparing to western passport holders. Such discrimination seems unfair especially to well educated, skilled Emirati specialists.ReplyCancel

    • LaylahJuly 17, 2012 - 9:54 pm

      Alice-It’s really unfair, and they should try to encourage the Emiratis/Saudis more. What they do now is almost humiliating, I mean they studied in same uni, that’s just ridiculous. Companies should look beyond the passports and look at the actual CV’s!ReplyCancel

  • AnonymousJuly 16, 2012 - 3:16 pm

    If foriegners could live permenently in Saudi, and eventually become citizens, there would not be this problem, and there wouldn’t be such apparant racial/national differnces in people in terms of the services they recieve from the goverment/employees.ReplyCancel

  • Otto BreknerJuly 16, 2012 - 7:10 pm

    My 2 cents. I believe there are several factors to take into account, in no particular order:

    1. Should make sense economically – to provide the service without increasing the cost beyond the point they afford to support. They can afford to pay Asian nurses an attractive salary compared with the one from their own countries, but if they apply the same model to Americans they wouldn’t afford to deliver the service;
    2. To give a proper signal – they want Western nurses, but they are not that desperate – they can get a good nurses for less the price of Westerners;
    3. The salary should be motivating enough to make the move. This is applicable especially for Westerners;
    4. There is chauvinist thinking among some of Saudis, judging people as good or bad based on their nationality. I don’t think this reason prevail, but it works there, in the background;
    5. The lavish lifestyle of Saudis, which is visible all over the place. They are going to pay in a way which is allowing them to show their lavishness, but in the same time avoid being taken as desperate;
    6. The preference to work by procedure: working by evaluating the nationalities it is understandable. Judging the skills and making decisions – and the decisions for money are centralized in the hands of few people – this doesn’t fit the style.ReplyCancel

  • July 17, 2012 - 2:39 am

    Salam Laylah,

    Honestly I don’t know this issue much. But this article stated Malaysian nurses get around SR10,000-SR14,000. Added incentives are lodging, food, transportation, holiday flight tickets. والله أعلم

    If there is differences in payments, as you said, is it bcoz the currency exchange and cost of living back home? As you stated, at SR3,500 a month,
    a Filipino can become a millionaire in 3 years (PHP1,413,583). But I wonder about the cost of living? In Indonesia, SR396 will make you a millionaire, but a book price there can cost ~RP50,000. So more research is good.

    Anyway, not referring to this issue, I have seen how people say phrases like “cheap asian”. But may I say that Prophet Joseph himself was sold at a cheap price. So I’m comforted:

    بسم الله الرحمن الرحيم
    And they sold him for a reduced price – a few dirhams – and they were, concerning him, of those content with little.
    [Quran 12:20]ReplyCancel

    • LaylahJuly 17, 2012 - 10:02 pm

      Hi there, yes what I meant with the millionaire thing is just that they would become such in their own currency, not that the person would actually be able to live the life of one..but certainly they would be better off, if we think that the average salary is 5000 a month, by which a person can live a decent lifestyle, then 1,5 million is a lot of money.
      Secondly, I stated that specifically those Filipinos who are getting paid by the Canadian passport become millionaires (they earn 200,000P a month so in a year 2,4 million pesos!)ReplyCancel

  • July 17, 2012 - 2:39 am

    This comment has been removed by the author.ReplyCancel

  • AnonymousJuly 17, 2012 - 4:06 am

    Thats the same here in Dubai, my husband gets lower sallary than European doing the same activity (hes local). Because they have the best university so your diploma will be much stronger and the cost of live there so expensive. Unable to pay 16000 to a filipino, the expenses in their country is low compared to american or european standartReplyCancel

    • LaylahJuly 17, 2012 - 10:04 pm

      Yes but what if the local went to the same school and has that exact same diploma and say more experience? He still gets less which is totally unfair!ReplyCancel

  • AnonymousJuly 17, 2012 - 1:37 pm

    Don’t forget that Saudis have a retirement pension at 60 years old, while the foreigners haven’t.
    In public hospitals the salary of the Saudi doctors is upper (20%/25%) to the salary of the European doctors.

    NassimaReplyCancel

    • LaylahJuly 17, 2012 - 10:06 pm

      Nassima-I have not heard of the European or American drs being paid less for same position as local physicians, they have the same system with doctors..ReplyCancel

  • AnonymousJuly 18, 2012 - 12:10 am

    I sent a private message to you.

    nassimaReplyCancel

  • pineappleJuly 18, 2012 - 1:17 am

    Good article :)

    But I have to say that the laws in Canada have changed and it is no longer as easy to get citizenship here. They have started cracking down on people coming to get one then going. If you stay out of Canada for so many years, now your citizenship can be stripped. They will give you a warning first, and you have six months to return to Canada for a set time or you will lose it. A bunch of nuns and some priests have lost theirs. I think where the first. The problem with many people is that they have not been paying taxes so when then are asked to return they have huge fines to pay. Also many people who just come for the passport do not realize what is really involved in becoming Canadian. Many have unrealistic expectations of what its like to live here and how easy it is to get here. Even marrying a Canadian now does not guarantee a way into Canada depending on where they are from. This is dew to a government crack down on the lack of a better word “green card” marriages. Though this has also effected many people who are honestly married.ReplyCancel

  • Bourne69July 19, 2012 - 7:29 am

    This Article is soo true layla .. thanks for highlighting it .. Westerners & Europeans are the highest paid people in this country whereas an Asian doing the same job for longer hours doesn’t really count .ReplyCancel

  • AnonymousJuly 19, 2012 - 11:55 pm

    Nice post laylah…The sad thing though is American/European nurses who get high salary are not even doing the “dirty” work coz most of them are in administrative post and the one who are on the front line are those who are less paid. No offense to other nationalities, but Filipinos are hardworking nurses so it is just NOT FAIR why there is salary racism in KSA.ReplyCancel

  • AnonymousJuly 21, 2012 - 10:21 am

    You are right, for example in, a public hospital, the foreign cardiologists, who have lower salaries than Saudis, are the only ones to be on call during nights and weekends.it isn’t fair.

    NassimaReplyCancel

  • ••❤MingMing❤••July 22, 2012 - 9:42 am

    Very interesting post!
    At the end of the day everyone is paid more in the Kingdom than in their own countries so what’s the point? I do not see no racism here. Indian rupee’s value is not as great as euro or dollar that is why the Kingdom pay them more (but less than to Americans- very reasonable)in comparison so they can afford much more than if they were working in India. This system is actually very smart. why does everyone have to become a millionaire? Personally I would be happy to earn 50% more that I’m earning right now. I wouldn’t care if my American friend earns more because at the end of the day I earn much more than in my very own country, I can save and spend the money in my very own country. Gosh ppl are so hungry for money! If its so unbearable in the Kindom there is always a solution: going back to homeland ;)

    cheers!ReplyCancel

    • InnocentNovember 19, 2013 - 9:02 am

      No it’s not abt salary discrimination but it effects the work culture when ppl r being paid differently on the same work based on passports colour n height etc…. So sad , bad n sucking …ReplyCancel

  • jessiJuly 22, 2012 - 8:11 pm

    Salam laylah, I’m an American Muslim who is marrying an American living in ridyah… Could you give me any advice living there yourself and ways to make friends there.. I’m very nervous and excitedReplyCancel

  • AnonymousJuly 23, 2012 - 11:29 am

    Salam Laylah,

    Your article is very interesting. If I were to complete the same table with figures from teachers working at the preparatory year programs at Saudi universities, this is what we’ll have:

    Passport Basic salary per month Saudi riyals
    Indian / Filipino / Malaysian 6000 – 10000
    South African 12000
    Arabs (Lebanon, Jordan etc) 10000 – 12000
    Saudi 5000 – 8000
    European (British,German etc) 14000 – 16000
    American (Canada,Australia) 14000 – 16000

    The figures vary much because contractors vary in how much they give to teachers of various nationalities. They always start low, and then if you negotiate hard, your salary can increase by 25 to even 50%.

    It’s a sad state of affairs to pay Europeans and Americans more. This is because most of them do not even go back or retire to Europe or America. They go to Sri-Lanka, and the Philipines where they get married and settle down. So, this makes them millionaire in the Philipines and Sri-lanka. I personally know English teachers who have villas in Sri-lanka and the Philipines and almost never visit the UK / US.

    Sad state of affairs.ReplyCancel

  • AnonymousJuly 29, 2012 - 7:32 am

    to be honest its mostly right . I’m a green passport holder i studied in AUS . and for whole 4 years of working i still get bad salary . i bet if i was married to one of my AUS friends and got the nationality . i would be in a different story and a way pleasant chapter .But things is done by faith and it have been written long time before i have born .

    maybe i might get my hands on a great girl who will love me for who im and i will get her pleasant and she might change my whole life . who know !!?

    Hussain

    just pray for me !! no one knows i might have what i want Finally .ReplyCancel

  • GillianAugust 24, 2012 - 12:15 pm

    I'm very glad I found your blog. Thanks for the sensible critique. I and my friends were just preparing to do a little analysis about this. I'm very glad to see such good information being shared freely out there.
    ReplyCancel

  • PerogyoSeptember 11, 2012 - 12:09 pm

    Thanks for this, very interesting. I see some similarities to Japan.

    I found this blog when someone set up a Twitter account to spam me links to here. The spamming is weird but I’m happy to have found you! I love to hear stories of foreign wives all over the world, we seem to have many issues in common. Nice to know that you are a working mom too, there are so few of us in my part of the world! Kudos!ReplyCancel

  • Jane MoraiSeptember 11, 2012 - 3:21 pm

    Thank you for sharing your views on this topic. I have done some traveling to the middle east and while i’ve never had any communication with those who work in the medical field I have seen the different attitudes towards various races and pay. I’m really glad to hear you speak out about this and share your perspective.ReplyCancel

  • AnonymousNovember 3, 2012 - 5:38 am

    This is a good post and you have presented it very well. I am from the IT sector and an Indian national. In the US, there would not be any difference between the hourly rates that an Indian or an American would earn. If at all there is, it would be very marginal and based on the fact that the Indian is on an H1 and so would settle for slightly lesser (but not greatly lesser). You feel respectedReplyCancel

  • AnonymousNovember 19, 2012 - 2:04 am

    The truth is, American nursing education is unequaled globally. They spend millions upon the system for research and innovation. Not to mention that education cost is higher in the USA than anywhere else in the world, so those nurses better make the most money cause they have more to pay off and account for back home *student loans*.ReplyCancel

  • AnonymousNovember 27, 2012 - 11:09 am

    I don’t know if it’s worth it anymore to come to Canada for citizenship. I am Canadian and it will take my American husband with two masters degrees six years to get full citizenship when all is said and done. Plus, if he gets his citizenship and takes off, they’ll rescind it.

    Also, I’m not sure it would be worth it to leave Canada as a nurse anymore if you’re only making 18000 SAR a month. There is a major shortage of nurses here so there are sometimes signing and renewal bonuses, provincial loan repayment programs, and starting next year, federal loan forgiveness for those who work in rural communities. The projected starting wage for nurses fresh out of school in Canada is about $50,000 – $60,000 CAD (189022 – 226826 SAR) a year in most provinces and goes up to $80,000 with experience. If you’re willing to work in a northern territory, the starting wage out of school is about $81,000 (306215 SAR) and goes up to $121,000 with experience. Northern provinces will also include signing, monthly, northern, and annual bonuses/allowances – you’d get an extra $33,600 in bonuses during your first year with more every subsequent year!ReplyCancel

  • HasanDecember 13, 2012 - 3:06 pm

    Hi,

    I am an Australian citizen with a South Asian background. I’ve done my Masters in Civil Engineering from New South Wales University in Sydney. I also have few years work experience in Australia. Can I expect a higher salary in Dubai than most South Asians.ReplyCancel

  • AnonymousJanuary 11, 2013 - 9:04 pm

    Great post! I worked at KFSH in Riyadh ten years ago and saw the pay scales. Canadians do not get the same salary as Americans. Americans are at the top, then green-card Americans, and then Canadians. I’m Canadian, by the way.ReplyCancel

    • KPOctober 10, 2013 - 10:12 pm

      U r not right….ReplyCancel

  • AnonymousJanuary 18, 2013 - 11:58 am

    Unfortunately prices have crept up so badly lately in KSA, that even a European with 16,000 SAR ( for example) can send nothing home!

    Thus I think it is rather contradictory: if 16,000 SAR could allow for a decent life say in the EU, there is no way that you can live and spend in KSA and from that amount send something like 5,000 SAR to your home country and consider it still represents a decent life in Europe.

    An average family of (4) would need to lead a rather conservative life in KSA to spend 10,000 SAR, excluding any specialised schooling for their children.

    And then, not all companies give that much for schooling, which has also flown off the scale.

    ReplyCancel

    • AnonymousFebruary 8, 2013 - 11:49 pm

      Shocked to hear that Australians earn more than British. Did you know that British Nurses are highly sought after in Australia once they have completed their British training.

      The high pay reflects the high quality of training, it has nothing at all to do with either colour of skin or passport.ReplyCancel

  • Shuja UddinFebruary 26, 2013 - 10:33 am

    Pays Should be based on the Experience and Qualification…
    Not like racists…
    I have seen Americans and Canadians, who would have been kicked out of Job in my Country are getting more than those who are better qualified but from Asian States…
    Its Sad such Racism in KSA.
    ( I have been in Saudia for 32 years-Since Birth)ReplyCancel

  • BF_4_President2010April 29, 2013 - 11:41 am

    The salary you mentioned about Filipino nurses is not correct. Based on the Department of Budget and Management website of the Philippine government, the salary of a government-employed Nurse as of July 2009 are the following:

    Nurse I (SG 11) – P14198 – P16335
    Nurse II (SG 15) – P18282 – P21064
    Nurse III (SG 17) – P20819 – P23955
    Nurse IV (SG 19) – 23703 – P27251
    Nurse V (SG 20) – P25295 – P29070
    Nurse VI (SG 22) – P28134 – P32278
    Nurse VII (SG 24) – P31334 – P35890

    Please, if you will write a blog, make sure that the information are correct or you have research it well.
    ReplyCancel

  • Mohannad192May 11, 2013 - 5:59 pm

    Yes there is difference in pay rates according to nationality and some times race its a matter of demand and supply and all the do-and-da related.. this is understandable and can be rationalized in way as you said.

    but what puzzles me is; if you’re paying an american nurse 10 times the a Indian nurse with the same Job qualification, what is the added value ? blue eyes !

    ReplyCancel

  • suraiyaSeptember 20, 2013 - 12:35 pm

    Hello Laylah!
    What you have written is so true! My father has been working in saudi for the past 30 years as a medical doctor (general practitioner) and he gets much less pay than most Saudi and American doctors and nurses.
    We are from India. It’s really very sad to see the huge amount of disparity.
    Have been reading your blog for quite a while now and i also follow you on fb. But this is the first time i am writing to you. Your articles are pretty interesting and your writing is crisp and entertaining.

    I was wondering if you have any knowledge about employment of doctors in the kingdom from USA?
    I have an American female friend in Chicago who is a medical doctor. She has been working there for several years…..but now she would like to work in the kingdom. Do you have any idea how do doctors from USA apply for jobs in the kingdom?

    Since i am an Indian…..I know that Saudi Medical teams go to India, Pakistan and Bangladesh to interview and select doctors.
    But i don’t think Saudi medical selection teams go to USA.

    Please if you have any American doctor friends or acquaintances, would you be kind enough to let me know the procedure to apply for medical jobs from USA, so that i can forward it to her? I will be most obliged.

    Thanking you,
    an avid reader of your blog
    SuraiyaReplyCancel

    • KPOctober 10, 2013 - 10:10 pm

      Aramco Team interviews doctors everywhere in Europe and North America. My wife is a doctor and Aramco matched his After-Tax Income. We might fly to KSA in a few months.ReplyCancel

    • AlisonDecember 1, 2013 - 5:34 pm

      Hi I’m currently working in King Faisal as an RN in the MICU, give me contact info via email and I will put you in contact with our personnel department.ReplyCancel

  • LemonMintOctober 12, 2013 - 3:02 pm

    Great article. Having been working in Saudi for 4 years in healthcare I sometimes take the whole salary racism for granted, knowing it’s the inevitability of out sourcing and a globalizing labor market. But it is nontheless a great source of contention. On top of it there is very much a racist culture at work – differential treatment based on color, apparent ethnicity, and passport. A colleague who is Muslim American (visibly Arab) gets treated unfairly compared to someone who appears “Western”. This is a whole other issue of course but just goes to show it’s not just an economical issue, which can sometimes be justified, but systematic prejudice.ReplyCancel

  • salimDecember 23, 2013 - 3:34 pm

    Salary of Indian nurses are not correct . It is in govt start from 20000 (almost 1500SAR ) reach to 60 K INR . after 6th pay commision salary are increase by 6 times in 2012 . MBBS Doctors salary start from 60K (4000 SAR ) now .Soeducated Indian lost interest in Saudi Jobs . Saudi Govt have to increase salary to attarct educated Indians .ReplyCancel

  • […] about the salary racism , which is one of the causes behind the workplace bullying […]ReplyCancel

  • AddJuly 16, 2014 - 4:38 pm

    Layla,

    You seem to overestimate the ease of getting Canadian Citizenship. There is a very stringent set of requirements before you can even qualify to apply. From the right skilled sector, to education, experience, police records and language proficiency exams. Provided you qualify to apply, on the average it takes 3.5 years to get the approval to emigrate. Then, it would be another 4 years of residency before they qualify for the citizenship exam, which they need to pass.

    Just thought you’d ought to know :)ReplyCancel

  • Muhammad Sultan ShahidAugust 13, 2014 - 8:26 am

    i think its because of currency rates… 1 SAR = .27 USD where as 1 SAR = 16 indian rupees.ReplyCancel

  • sheikJanuary 10, 2015 - 3:24 am

    it is really annoying tat for Ppl from different countries are paid different for same job. I heard Asians are paid worse than others.. is it happening in doctor field also. world knows tat Indian doctors are best across the world but less paid than others…ReplyCancel

  • SaeedMarch 24, 2015 - 4:14 am

    Slam everyone!
    wallah i was just watching a video on youtube and sub7an allah i ended up in here lol. Sadly, i believe that most of what i have read so far in here is nothing but the truth! Starting from how come someone gets paid based on the passport he or she is carrying till the point that a saudi guy who went abroad, got a degree on ESL and when he came back looking for a jo. He went zero handed!!! Wallah i feel how painful and unjust that is! We need to change a lot the creepy nonsense policies which have been blindly followed by so many “decision making ppl”! We’re sick of thise outdated old guys wallah! And i’m sorry for those nonsaudi employees but even us the sons of this country we are not given much attention! And plz do not remind me of the scholarships the government is giving and still have! We need to work from the inside out not the way around!!! I happen to be one if those who returned empty handed bc i did not like what i was studying and sadly no ine gave a shit! Bottom line al7mdu lellah i did not give. I’m doing a BS in ME and am very excited and motivated But after what? 6 year time has just flushed away! I hope when i’m done and ready to join the big companies they won’t say that “oh, masha allah you have maintained a high GPA and ur English is just fine but if you were 5 yrs younger,and they give me the what-a-pitty-face” :) lets hope that senario will never happen to me ya rabb.

    Just felt to drop thOse few lines guys.

    A special thank you for our sis for such a great blog.

    SaeedReplyCancel

  • PankajApril 15, 2015 - 10:08 pm

    Hi,

    Thanks for this information. I was not aware that salary can be decided based upon Passport!!
    Can any one tell the salary range in Information technology sector?

    regards,

    –PankajReplyCancel

  • WiZeIceApril 28, 2015 - 1:53 pm

    Salutations, I have been on blueabaya for the last couple of days and appreciate the efforts being put in. I had to give a response to this blog as it resonated at some level with my experience in KSA as a professional. I had worked as an ER Resident in MoH General hospital periphery of Taif region, Intially I was recruited as Gen Surgery resident in Taif city but on arrival was re allocated. The Non Saudi female nursing staff there was mostly from South India, some from Phillipines and 1 each from China and Egypt. The Saudi female staff were allocated only morning, OPD shifts on the female side. There pays were on average 3.5 X any of the other nursing staff, they were allowed leaves of various reasons anytime they wished for. Would any of my Saudi readers/bloggers here care to call this inequality out? The Saudi staff covered each other up easily if any came in late or left early. It surprises me to know that Saudi nationals find it unfair for them being paid a bit below the Western Passport holders but the gap between themselves and Asians, which is way more, does not get that much of a mention. The care provided by all the staff when compared could be held at par with each other, if not more. Me as an ER resident made half as much as the Saudi X ray tech, who btw slipped out to his home in between the duty at night for various reasons like dinner and snooze :) Saudi`s are not the cheap labour here please, Its the medical staff with the Asian passports in the hospital that give 101% to the job but in the end gets to be penalized, scrutinized and demoralized :( … Also its not fair converting any ones salary to home countries for judging… Cheers :)ReplyCancel

  • Usman HangJuly 9, 2015 - 4:07 am

    Do you need a loan,We are Legitimate and Reputable money Lender.
    We are a company with financial assistance.We loan funds out to individuals
    in need of financial assistance,that have a bad credit or in need of
    money to pay bills,to invest on business. I want to use this medium to inform
    you that we render reliable beneficiary assistance as I’ll be glad to offer you a
    loan. Services Rendered include,
    *Debt Consolidation
    *Business Loans
    *Personal Loans
    Please write back if interested with our interest rate
    of 0.2%per annual. Upon Response, you’ll be mailed a Loan application
    form E-fasterloancredite@gmail.comReplyCancel

  • Usman HangJuly 9, 2015 - 4:07 am

    Do you need a loan,We are Legitimate and Reputable money Lender.
    We are a company with financial assistance.We loan funds out to individuals
    in need of financial assistance,that have a bad credit or in need of
    money to pay bills,to invest on business. I want to use this medium to inform
    you that we render reliable beneficiary assistance as I’ll be glad to offer you a
    loan. Services Rendered include,
    *Debt Consolidation
    *Business Loans
    *Personal Loans
    Please write back if interested with our interest rate
    of 0.2%per annual. Upon Response, you’ll be mailed a Loan application
    form E-fasterloancredite@gmail.comReplyCancel

  • JamilaJuly 9, 2015 - 10:25 pm

    Wow, very interesting blog. the Saudi ‘s are very backward and they doing it to their own people too. I’m an American nurse with 12 yrs of experience. I’m interested in working in UAE or KSA but after reading this things I’m not sure anymore. I like the UAE very much but I think I will just stay in the U.S. where I worked 3 days a wk and make close to six figures a year. As for the UAE, I think I will be taking my vacations there at least once a yr.ReplyCancel

    • LaylaJuly 10, 2015 - 12:07 pm

      thank you for the comment Jamila and best of luck in your plans!ReplyCancel

    • ArunAugust 9, 2016 - 2:43 pm

      Hi,
      Don’t even think about re-locating to medieval Saudi.They don’t ride camels these days at least not the fat sheikhs and their umpteen children perhaps, but there’s hardly any change in their Mindset unfortunately.The KSA can be summed up as one of the bigger surviving Anachronisms today.And thanks to the West
      for keeping them that way..ReplyCancel

  • MAHAKALIJuly 28, 2015 - 8:34 am

    I will tell you something. It is irrational to implement equal payment in GCC for all nationalities. That is pure discrimination against locals.

    For instant Saudi system is based on the standard of living in the home country of the employees. In other words, what the money will buy the employee back home and the cost of living and the value of money in each country. It’s also based on the quality of the education.

    A Pilipino nurse in the Philippines gets an average salary of 200 USD back home.

    In Saudi a Pilipino standard salary roughly around 1000 USD. That is 5 times more than her salary back home.

    Now let’s talk about buying a property in Saudi comparing to buying a property in the Philippines.

    In Manila for instant buying a luxurious apartment in a central area would cost around 20,000 USD. We are talking here about a luxurious fully furnished apartment with all facilities. Buying the same luxury apartment in any place in Saudi would cost around 250,000 USD.

    So basically if we talk about equality that means a nurse coming from the Philippines would be able to afford buying 4 luxurious apartments back home in 3 years having an average salary of 2500 USD as a Saudi nurse while a Saudi Nurse has to work for 9 years with the same salary to get ONE apartment in Saudi Arabia.

    Is that what you call equality and is that really a solution for discrimination?!

    No but I believe the minimum wage for people coming from Asian countries has to increase.

    Second, the fact why private sectors prefer foreigners over locals for a simple reason.
    It is much cheaper to hire an expat than a local and it has nothing to do with expertise nor technical knowledge.
    A lot of our young generation are well educated and the saudi government did a great job sending hundred thousands of them for scholarships.

    To hire a local, a private sector has to pay 9% each month to GOSI plus it has to pay locals end of service and medical insurance.
    The ministry of labor as well requested all Saudis to be paid more than foreigners so a lot of companies in the private sector refrain to hire Saudis instead they totally manipulated the system by signing Saudis for minimum wages in the company to stay home instead of offering them a full time job with the company and the reason behind that is to get visas and Iqamas for cheaper expats which leads to more profits for the greedy companies.ReplyCancel

  • Roland LoansAugust 11, 2015 - 1:12 pm

    I am a private loan lender ,i give certified loans to serious minded individuals and company at an interest rate of 3% with total loan repayment allowed weekly monthly or yearly depending on how you can make repayments if interested email me at guarloan@gmail.com we only offer out in:Dollars,Pounds,Euro only Contact us Today With These

    Your Full Details
    :Full Name
    Loan Amount Needed
    Loan Duration
    Phone Number
    Applied before
    State
    Monthly Income
    Country
    Address
    You are to send this to our Company Email Address :guarloan@gmail.comReplyCancel

  • hussainOctober 6, 2015 - 3:33 am

    i am a mechanical engineer i am working in KSA since 3 years, i have some questions,

    (1).many of the Indians they are studying best universities in UK,USA,AUS and etc…, when they complete there studies they will come back to home country India, this Indian guys after there studies suppose they are come to KSA for job, these Indian guys meet his same western classmate in KSA with same company job but salary is difference between indian and westerns but they are studied same university and both of them having same knowledge only. is it justices?,

    2. today we are speaking about living cost and money value, i will ask to you in India if you wanna buy IPHONE it is same price across the world, even Indians they cant buy a home in Mumbai with your injustice salary, you should buy flight ticket in any where in the world it is same, buy the cars and home appliances and electronics things in India it is also same price based on the dollar value, maximum of the consumer things price also same value of dollar rate only. indians working very very hard but getting low salary because of injustice rules,

    here in Saudi they are justifying based on the skin color and passport,ReplyCancel

  • Jari TapaniOctober 24, 2015 - 6:03 pm

    We wish to inform the general public that the FINANCIAL ASSURANCE LOAN COMPANY is presently giving out loan at an affordable rate of 2% per annum. We give out a minimum loan amount of 10,000.00 EUR and a maximum amount of 100,000,000.00 EUR. If you are in need of finance for business expansion, agricultural purpose, repayment of debt and educational loan then we can be of great help and assistance to you. For more inquires about our credit program we recommend that you contact our official email stated below: financialassuranceloans@gmail.com , financialassuranceloans@accountant.comReplyCancel

  • Osman MohammedNovember 13, 2015 - 1:19 pm

    Do you need personal loan? Does your firm,company or industry need financial assistance? Do you need finance to start your business? Do you need finance to expand your business? We give out loan to interested individuals who are seeking loan with good faith. Are you seriously in need of an urgent loan contact us at Email: flourishloancredite@gmail.com
    APPLICATION DETAILS
    Your Full Details:
    Full Name:
    Loan Amount Need:
    Loan Duration:
    Phone Number:
    Applied before?
    State:
    Monthly Income:
    Country:
    You are to send this to our Company Email;flourishloancredite@gmail.comReplyCancel

  • Jaimie ThangDecember 18, 2015 - 4:09 am

    Hello Dear Sir/Madam.

    I am Mr Jaimie Thang , a private money lender. I give out loans with an interest rate of 3% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private
    individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(jaimiethangloans@gmail.com)

    Attention!!!

    Do you have a bad credit?
    Do you need money to pay bills?
    Do you need to start up a new business?
    Do you have unfinished project at hand due to bad financing?
    Do you need money to invest in some area of specialization which will
    profit you? and you don’t know what to do.

    We offer the following loans below,
    personal loans[secure and unsecured]
    business loans[secure and unsecured]
    combination loans
    students loans
    consolidation loans and so many others.

    1. Full Names:……………………….
    2. Contact Address:…………………..
    3. Loan Amount Needed:………………..
    4. Duration of the Loan……………….
    5. Direct Telephone Number:……………..

    Email (jaimiethangloans@gmail.com)
    Best Regards,

    Mr Jaimie ThangReplyCancel

  • @MAHAKALIJulyDecember 27, 2015 - 1:39 am

    @MAHAKALIJuly
    Don’t you see that you’re contradicting yourself? You say that equal payment is not a good idea and then you’re saying the ministry are hiring foreigners because they’re given cheaper salary? I, as Saudi Arabian I demand equal minimum wages for locals and non-locals. Only in that way, Saudis are going to be able to find jobs in private sectors. Think about it for a while, giving equal minimum wages is going to benefit us on the long run.ReplyCancel

  • Jalo LoanJanuary 13, 2016 - 4:00 pm

    Welcome to JALO LOAN FIRM OWNER LOANS PLC Based in united kingdom, we may be able to help you with any kind of loan.We are private loan organization and we give out, Business or Home Personal Loans, secure and unsecured loan. Our loans attract only 3% interest rate to annual, we give a minimum of $ 2,000 and maximum of $ 500 million before any new processing, you are required to fill the loan below application form. Borrower Full Name: ———- Country: ———- State: —— City: —— Contact Address: ——- Contact phone number: ——- Age: —— Sex: ——— Occupation: —– Needed as Loan amount: ——- Duration of the loan: ——– Monthly income: ———— Purpose of the loan: ——– I await your urgent response and the type sooner so we can proceed. Greetings JALO loan firm. Loan Officer e-mail via: jaloloancompany@gmail.com or call +44-703-192-2288ReplyCancel

  • Nancy CageJanuary 20, 2016 - 9:58 am

    Good Day Everyone.
    Am here to share my testimony what a Good trusted man did for me. My name is Nancy Cage am from Michigan USA and I’m a mother of 3 kids and i lost my husband last year June 2nd and things where very hard for me and my children so when I was online to seek for a loan and i fall in the hands of scam, i was scam over $10,000.00 dollars, all my Husband access where taken away from us by his brothers, all hope was lost and i and my kids where sleeping in the street on till one faithful day when i met this friend of my who introduced me to this honest company who helped me get a loan in next 24 hours without any Daley, i will forever be grateful to Mr , you can contact him via email: wmagnus29@gmail.com. he did not know am doing this for him,but i just have to do it because a lot of people are out there who are in need off a loan. Contact with him ASAPReplyCancel

  • Elvin ElisabethJanuary 31, 2016 - 10:56 pm

    Good news friends, my name is Elvin Elisabeth, am so happy right now, i still did not believe my eyes, i just got my loan valid sum of $50,000 from Mr Mark Henry Company, after what i went through in the hands of those fake lenders that ripped me off,Please i want you all to join me and pray for this God fearing man Mr Mark Henry, what will i have done if not for him.. i can’t just keep this good testimony to myself, so i decided to let the whole world know the goodness of Mr Mark Henry Company, if you know you are still out there looking for the right company where you can apply for loan, you can urgently contact them now via Email (markhenrycompany@yahoo.com ), They Offer loan ranging from $ 5,000.00 to $ 10,000,000.00 Max, we are reliable, efficient, Fast and dynamic,with 100% Guaranteed They also gives out loan in ( Euros,Pounds and Dollars. ) The Interest rate applicable to all Loans is (2%, ) if you are interested get back to us via ( markhenrycompany@yahoo.com ) i know they we also help you as the did for me, God bless you allReplyCancel

  • Nevaeh JaydenFebruary 5, 2016 - 10:38 pm

    HOW I GOT A LOAN THAT TRANSFORMED MY LIFE INTO A HEALTHY AND WEALTHY LIFE (KENDRICKINVESTMENTSLIMITED@OUTLOOK.COM)

    Hello Everyone,

    I am Mrs Nevaeh Jayden, currently living in Louisiana USA, I want to use this medium to testify on how my life was transformed by a real and legit loan lender. I was stuck in a financial situation in the last few months now I have a comfortable healthy and wealthy life without stress or financial difficulties. After two(2) months of trying to get a loan from various loan firm both private and cooperate but never was a success, and most banks declined my credit. I became so desperate in getting a loan from a legit lender cause I was going through pains, On this faithful day I ran into a friend of mine who recently got a loan from KENDRICK INVESTMENTS LIMITED we discussed about the issue and she was kind enough to introduce me to Mr Christopher Kendrick who is the C.E.O of KENDRICK INVESTMENTS LIMITED, I applied for a loan sum of $450,000.00USD with low interest rate of 4%, as God will have it the loan was approved easily without stress on 5th of January and all preparations where made concerning the loan transfer and in less than two (2) working days the loan was transferred into the bank account details i provided. I want to use this medium to reach out to anyone out there in need of a loan either individual or company loan to contact him via:(KENDRICKINVESTMENTSLIMITED@OUTLOOK.COM) This is the only way i can show how grateful i am by testifying of his good deeds in my life I pray that God will bless him. (KENDRICKINVESTMENTSLIMITED@OUTLOOK.COM).

    Thanks
    Nevaeh JaydenReplyCancel

  • Kesby KarenFebruary 8, 2016 - 11:36 pm

    THE ONLY LEGIT AND GENUINE LOAN COMPANY I HAVE EVERY ENCOUNTERED AND WAS HELPED BY THEM. WILLIAMS JEFFERY LOAN COMPANY

    I am Mrs Kesby Karen and it gives me joy writing this article of my testimony on how i became financially stable and summary of my previous finance stage before now. I believe there is nobody that doesn`t like money, when one is having finances, there is inner joy in you and i am among those having joy now and i will through this article saves you that is reading now in financial mess on how to be financially stable with Williams Jeffery Loan Company Before now, i make little earn with one transport company i was working with and it didn`t take me anywhere, i lived in struggle and what pained me most was my family because my husbands little salary couldn’t cater and take good care of me and our children`s needs but i had no choice but to manage the business and another thing that caused me grief was i didn`t always have time for my family and i wanted a business for myself but i couldn`t even afford a hundred dollar to make it work. But when i thought all hope and aspiration for my business plan was void then a friend of mine now retired in the same transport company where i worked advised me and referred me to an online Financial Institute that could better my financial stage and he stressed on that he is living well and fine today because of the financial body and i contacted them for help and to my greatest amazement, i was offered a loan of 120,000usd at affordable 2.5% rate for 7years after due process and today i am living well and happy and i now have time for my family because i am my own boss now. And i will forever maintain a standard relationship with Williams Jeffery Loan Company because they are the reason i am living with joy today. For as many in financial mess, bad credits, debt, in need or whatsoever challenges that you`re in today don`t fail to contact them on their email: williamsjefferyloancompany@gmail.com and i do assure you that your desires will be manifested.ReplyCancel

  • Sevdil YildirimFebruary 13, 2016 - 10:36 pm

    Do you need Financial Assistance? We can help you
    We give out loan with an Interest rate of 2.0%
    Please reply to via Email : dedeoglu.kocar@consultant.com
    Kindly write us back with the loan information;
    – Complete Name:
    – Loan amount needed:
    – Loan Duration:
    – Purpose of loan:
    – City / Country:
    – Telephone:
    – Name of the Site:
    Please, contact us for more information:
    dedeoglu.kocar@consultant.com
    Yours Sincerely,
    Mrs. Sevdil Yildirim
    dedeoglu.kocar@consultant.comReplyCancel

  • Maria Hardy KanellisFebruary 22, 2016 - 2:38 pm

    How i got my Desired Loan Amount from ( calviinloancompany@gmail.com )

    Hello everybody, I am Maria Hardy Kanellis from Oklahoma U.S.A. I am a widow at the moment with two kids and i was stuck in a financial situation on November 2015 and i needed to refinance and pay up my bills and buy a house here in Oklahoma. I tried seeking for loans from various loan lenders both private and corporate but never with success, and most banks declined my credit. But as God would have it way, i was introduced to a lender Called Calvin Scott Loan INC by a friend named Eileen Fisher who got a loan from them and contacted them as instructed and to my greatest surprise, i got a loan sum of $470,000.00 and today am a house owner and my kids are doing well. So my friends, if you must contact any lending company with reference to securing a loan with low interest rate of 2% and better repayment plans, contact Calvin Loan INC ( calviinloancompany@gmail.com ) He offers all kinds of loans You can contact him through his email via: ( calviinloancompany@gmail.com ) Tel: (+1)501-429-4519 or webpage: http://calvinfinancialloanhome.bravesites.com/ReplyCancel

  • Gracekesh ThaseniFebruary 28, 2016 - 2:53 pm

    Garry Financial Group
    No. 31/24, Basement,Old Rajinder
    Nagar,New Delhi – India.

    DEAR APPLICANT,

    We offer Affordable loan at 1% interest rate available for local and international borrowers. We are certified,trustworthy, reliable, efficient, Fast and dynamic and a co-operate financier for real estate and any kinds of business financing,we offer the following:* Personal Loans * Student Loan * Business Loans * Consolidation Loan * Combination Loan* *Home Enhancement* Car Loan *Construction Loan e.t.c

    Fill the application form below for further information.

    Full Name:___________
    Sex:________
    Age:______
    Country:__________
    Address___________
    State: ________
    Tel:______
    Occupation: __________
    Monthly Income:___________
    Loan Amount Needed ($) :__________
    Amount in Words:
    Loan Duration:__________
    Pan Card or Voters Id No:__________

    We await your responds

    Regards
    Garry Financial Group (CFG)
    Direct Line: +9196543432
    garrycambellloan@outlook.comReplyCancel

  • Cholette Chad AlanApril 2, 2016 - 12:00 am

    Hello,
    Are you looking for a business loan, personal loans, mortgage loans, auto loans, student loans, debt consolidation loans, unsecured loans, venture capital, etc … Or just reject the loan from a bank or financial institution for one or more reasons? You are the right solutions for the credit! We are a private lender, we offer loans to companies and individuals at a low and affordable interest rate of 2%. So if you are interested in a quick and easy loan. Email Contact: jadkimi@openmailbox.org
    regards,
    Mr. Jad Kimi
    Easy and fast loan offer. Sign up nowReplyCancel

  • Douglas RodgersApril 4, 2016 - 11:36 am

    Hello Everyone, Are you financially squeezed?
    Do you seek funds to pay off credits and debts?
    Do you seek finance to set up your own Business?
    Are you in need of private or Business Loan for various purposes?
    Do you seek loans to carry out Large Projects?
    Secure a Loan from us today and start up with something rewarding.
    Our transaction is 100% guaranteed as we also ensure a cordial relationship with our clients.
    We offer Loans with no credit Checks, No collateral, Easy steps, fast funding and low interest rate of 2%.
    Why remain in a financial breakdown?
    Contact us today via email: Douglasrodgersloanfirm@live.comReplyCancel

  • Sandoval Ramon EliasApril 15, 2016 - 10:02 pm

    Hello everyone my name is Ellias Sandoval,From mexico base in United state of America,I am here to testify how i was scammed by various loan lender from this site.I was in need of a loan and i applied from various loan lenders from this very site.They asked me to pay some amount of money at different basis but i never get my loan.This was how i lost the sum of $5000USD .I was now in debt because i borrowed the money from a friend.One day a friend of mine introduce me to SUPREME PROVISSION COMPANY . He told me how they has helped him with loan at several cases without any delay.I was scared and never believe him.He urge me to trust him,this was how i was introduce to him through his email{ supremeprovissionltd@gmail.com }.He told me he will offer me the loan that i only need to comply with them.I did as they told me and without any delay,i received my loan as they earlier promise.Am here to tell you that most of the loan lenders in this site are scammers. If you truly need a genuine loan please meet SUPREME PROVISSION COMPANY through his email : supremeprovissionltd@gmail.com . He is a registered reliable loan lender.And today i am a happy rich man comfortable with my business all thanks to God but very big thanks to SUPREME PROVISSION COMPANY for making me who i am today,so i use this medium to please and kindly urge who so ever looking for a reliable loan to contact them because this is the only thing i can do for them by advertising their business for them which they never new i am doing for them thanks to you all for listening to my story here in this site.
    Contact Emial: supremeprovissionltd@gmail.comReplyCancel

  • Sandoval Ramon EliasApril 15, 2016 - 10:09 pm

    Hello everyone my name is Ellias Sandoval,From mexico base in United state of America,I am here to testify how i was scammed by various loan lender from this site.I was in need of a loan and i applied from various loan lenders from this very site.They asked me to pay some amount of money at different basis but i never get my loan.This was how i lost the sum of $5000USD .I was now in debt because i borrowed the money from a friend.One day a friend of mine introduce me to SUPREME PROVISSION COMPANY . He told me how they has helped him with loan at several cases without any delay.I was scared and never believe him.He urge me to trust him,this was how i was introduce to him through his email{ supremeprovissionltd@gmail.com }.He told me he will offer me the loan that i only need to comply with them.I did as they told me and without any delay,i received my loan as they earlier promise.Am here to tell you that most of the loan lenders in this site are scammers. If you truly need a genuine loan please meet SUPREME PROVISSION COMPANY through his email : supremeprovissionltd@gmail.com . He is a registered reliable loan lender.And today i am a happy rich man comfortable with my business all thanks to God but very big thanks to SUPREME PROVISSION COMPANY for making me who i am today,so i use this medium to please and kindly urge who so ever looking for a reliable loan to contact them because this is the only thing i can do for them by advertising their business for them which they never new i am doing for them thanks to you all for listening to my story here in this site.
    Contact Emial: supremeprovissionltd@gmail.comReplyCancel

  • Joan SmithApril 19, 2016 - 9:03 pm

    Good Day Sir/Madam

    If you need an urgent loan to increase your business strength or to reduce your financial stress, Credit Plus Financial Services is the right place to get such financial freedom¸ at Credit Plus Financial services we offer loan at a very low interest rate of 3%. We offer loan from $10,000.00 to $2,000,000.00We are a reputable, legitimate & Registered Company. Approved by the United State (USA) and South Africa Government to assist people with financial assistance local and international. if you are in need of our assistance you will have to read carefully the company loan application form that is attached to this message, fill and get back to us
    Via our Email: Info.Creditplusloanfirm@usa.com or creditplusloanfirm@outlook.com

    LOAN APPLICATION FORM.

    First name……
    Middle name…..
    Last name…..
    Amount Needed….
    Occupation…..
    Loan Duration…..
    Monthly income…..
    Purpose of Loan……
    Residential Address (Not P.O Box)..
    Country of Resident…..
    Age…..
    Sex……..
    Marital Status……
    Nationality…….
    Home phone….
    Cell phone…..
    Email…..
    A copy of your Id/Passport……
    Are you currectly paying any loan?….

    Whatever your financial requirement are, A loan from credit plus financial Service will always help. No social security and no credit check, 100% Guaranteed. We Look forward permitting us to be of service to you. Sincerely, We await your Quick Respond. credit plus is a trading style of credit plus loan firm Limited. Authorized and Regulated by the Financial Conduct Authority of United Stateunder number 6589002, You should kindly contact us via our Email address Info.creditplusloanfirm@usa.com or creditplusloanfirm@outlook.com We await your respond to help you solve your financial problems.

    Regard
    Mrs Joan Smith
    Company Managing DirectorReplyCancel

  • Joan SmithApril 19, 2016 - 9:03 pm

    1Good Day Sir/Madam

    If you need an urgent loan to increase your business strength or to reduce your financial stress, Credit Plus Financial Services is the right place to get such financial freedom¸ at Credit Plus Financial services we offer loan at a very low interest rate of 3%. We offer loan from $10,000.00 to $2,000,000.00We are a reputable, legitimate & Registered Company. Approved by the United State (USA) and South Africa Government to assist people with financial assistance local and international. if you are in need of our assistance you will have to read carefully the company loan application form that is attached to this message, fill and get back to us
    Via our Email: Info.Creditplusloanfirm@usa.com or creditplusloanfirm@outlook.com

    LOAN APPLICATION FORM.

    First name……
    Middle name…..
    Last name…..
    Amount Needed….
    Occupation…..
    Loan Duration…..
    Monthly income…..
    Purpose of Loan……
    Residential Address (Not P.O Box)..
    Country of Resident…..
    Age…..
    Sex……..
    Marital Status……
    Nationality…….
    Home phone….
    Cell phone…..
    Email…..
    A copy of your Id/Passport……
    Are you currectly paying any loan?….

    Whatever your financial requirement are, A loan from credit plus financial Service will always help. No social security and no credit check, 100% Guaranteed. We Look forward permitting us to be of service to you. Sincerely, We await your Quick Respond. credit plus is a trading style of credit plus loan firm Limited. Authorized and Regulated by the Financial Conduct Authority of United Stateunder number 6589002, You should kindly contact us via our Email address Info.creditplusloanfirm@usa.com or creditplusloanfirm@outlook.com We await your respond to help you solve your financial problems.

    Regard
    Mrs Joan Smith
    Company Managing Director
    1ReplyCancel

  • Devlin JohnsonMay 13, 2016 - 1:08 am

    Dear Applicant,
    i am Mr. Johnson Devlin a private loan lender, who gives out loan in a very low interest rate of 3%. we give out all kind of loan like Educational loan, Business loan, home loan, Agricultural loan, Personal loan, auto loan and other good Reason, I give out loans from the range of $5,000USD- $90,000,000.00USD in both Dollars Euro and Pounds at a 3% interest rate. Duration of 1- 15 years depending on the amount you need as loan. contact us via email: devlinloanfirm@yahoo.comReplyCancel

  • Devlin JohnsonMay 13, 2016 - 1:09 am

    Dear Applicant,
    i am Mr. Johnson Devlin a private loan lender, who gives out loan in a very low interest rate of 3%. we give out all kind of loan like Educational loan, Business loan, home loan, Agricultural loan, Personal loan, auto loan and other good Reason, I give out loans from the range of $5,000USD- $90,000,000.00USD in both Dollars Euro and Pounds at a 3% interest rate. Duration of 1- 15 years depending on the amount you need as loan. contact us via email: devlinloanfirm@yahoo.comReplyCancel

  • Devlin JohnsonMay 13, 2016 - 1:17 am

    Dear Applicant,
    i am Mr. Johnson Devlin a private loan lender, who gives out loan in a very low interest rate of 3%. we give out all kind of loan like Educational loan, Business loan, home loan, Agricultural loan, Personal loan, auto loan and other good Reason, I give out loans from the range of $5,000USD- $90,000,000.00USD in both Dollars Euro and Pounds at a 3% interest rate. Duration of 1- 15 years depending on the amount you need as loan. contact us via email: devlinloanfirm@yahoo.comReplyCancel

  • KokishiAugust 6, 2016 - 1:13 pm

    I think it is based on performance/efficiency too.
    There are some mentality traits that do not allow the Indians or Filipinos to do the job as efficiently as the Americans or Europeans do. Even in Europe you see the differences: the Greeks/Italians or Spanish are not as efficient and organized as the Germans or Dutch. In Asia – the Japanese vs the Chinese.

    Of course everyone can obtain a degree in the West or the passport – but you cannot buy the way of thinking. I see it even with black people in the USA who though born and growing up in the States, attending the same schools as others – still have certain way of doing things their own way. Unfortunately, the employers do not reward that way.ReplyCancel

  • ArunAugust 9, 2016 - 2:35 pm

    Absolutely disgraceful and demeaning as well!!
    We Indians simply do not know how to REACT,is all !
    Our Ministers and Politicians keep falling over themselves to please these silly,stupid Arabs all the time.
    Discrimmination at the Work Place especially, is most unhealthy to say the least whatever be the rationale advanced for paying higher wages to a White Man or Woman !!

    They should raise these issues with the concerned authorities and demand action.Instead of diplomatic ettiquette and niceties all the time.In this they should take a leaf from the Isrealis.Try fooling around with any of their nationals.ReplyCancel

Your email is never published or shared. Required fields are marked * *

*

*