{"id":3968,"date":"2026-02-23T03:46:30","date_gmt":"2026-02-23T00:46:30","guid":{"rendered":"https:\/\/madarej.sa\/?p=3968"},"modified":"2026-02-23T03:58:43","modified_gmt":"2026-02-23T00:58:43","slug":"%d8%a7%d8%b3%d8%aa%d8%b4%d8%a7%d8%b1%d8%a7%d8%aa-%d9%85%d8%a7%d9%84%d9%8a%d8%a9-%d9%84%d9%84%d8%a3%d9%81%d8%b1%d8%a7%d8%af-%d9%83%d9%8a%d9%81-%d8%aa%d8%ae%d8%b7%d8%b7-%d9%84%d9%85%d8%b3%d8%aa%d9%82","status":"publish","type":"post","link":"https:\/\/madarej.sa\/en\/%d8%a7%d8%b3%d8%aa%d8%b4%d8%a7%d8%b1%d8%a7%d8%aa-%d9%85%d8%a7%d9%84%d9%8a%d8%a9-%d9%84%d9%84%d8%a3%d9%81%d8%b1%d8%a7%d8%af-%d9%83%d9%8a%d9%81-%d8%aa%d8%ae%d8%b7%d8%b7-%d9%84%d9%85%d8%b3%d8%aa%d9%82\/","title":{"rendered":"\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0623\u0641\u0631\u0627\u062f: \u0643\u064a\u0641 \u062a\u062e\u0637\u0637 \u0644\u0645\u0633\u062a\u0642\u0628\u0644\u0643\u061f"},"content":{"rendered":"<p data-path-to-node=\"3\">\u0641\u064a \u0638\u0644 \u0627\u0644\u062a\u062d\u0648\u0644\u0627\u062a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0627\u0644\u0643\u0628\u0631\u0649 \u0627\u0644\u062a\u064a \u062a\u0639\u064a\u0634\u0647\u0627 \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0648\u062a\u0632\u0627\u064a\u062f \u0641\u0631\u0635 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0648\u062a\u0646\u0648\u0639 \u0623\u062f\u0648\u0627\u062a\u0647 \u0641\u064a \u0639\u0627\u0645 2026\u060c \u0623\u0635\u0628\u062d \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0634\u062e\u0635\u064a \u0636\u0631\u0648\u0631\u0629 \u0645\u0644\u062d\u0629 \u0648\u0644\u064a\u0633 \u0631\u0641\u0627\u0647\u064a\u0629. \u0625\u0646 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0647\u064a \u0627\u0644\u0628\u0648\u0635\u0644\u0629 \u0627\u0644\u062a\u064a \u062a\u0648\u062c\u0647 \u0627\u0644\u0641\u0631\u062f \u0646\u062d\u0648 \u0628\u0631 \u0627\u0644\u0623\u0645\u0627\u0646 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0628\u0639\u064a\u062f\u0627\u064b \u0639\u0646 \u062a\u0642\u0644\u0628\u0627\u062a \u0627\u0644\u0633\u0648\u0642 \u0648\u0639\u0634\u0648\u0627\u0626\u064a\u0629 \u0627\u0644\u0635\u0631\u0641.<\/p>\n<p data-path-to-node=\"4\">\u0646\u062d\u0646 \u0641\u064a <b data-path-to-node=\"4\" data-index-in-node=\"7\"><a class=\"ng-star-inserted\" href=\"https:\/\/madarej.sa\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwii4KO_gO6SAxUAAAAAHQAAAAAQhQY\">\u0645\u062f\u0627\u0631\u062c \u0644\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a<\/a><\/b> \u0646\u0624\u0645\u0646 \u0623\u0646 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a \u064a\u0628\u062f\u0623 \u0645\u0646 \u0641\u0647\u0645 \u0627\u0644\u0641\u0631\u062f \u0644\u0648\u0627\u0642\u0639\u0647 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u062d\u0627\u0644\u064a \u0648\u0628\u0646\u0627\u0621 \u0631\u0624\u064a\u0629 \u0648\u0627\u0636\u062d\u0629 \u0644\u0645\u0627 \u064a\u0631\u064a\u062f \u062a\u062d\u0642\u064a\u0642\u0647 \u0628\u0639\u062f 10 \u0623\u0648 20 \u0639\u0627\u0645\u0627\u064b \u0645\u0646 \u0627\u0644\u0622\u0646.<\/p>\n<hr data-path-to-node=\"5\" \/>\n<h2 data-path-to-node=\"6\">\u0623\u0648\u0644\u0627\u064b: \u0645\u0641\u0647\u0648\u0645 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0634\u062e\u0635\u064a<\/h2>\n<p data-path-to-node=\"7\">\u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a \u0647\u0648 \u0639\u0645\u0644\u064a\u0629 \u0645\u0633\u062a\u0645\u0631\u0629 \u062a\u062a\u0636\u0645\u0646 \u062a\u0642\u064a\u064a\u0645 \u0648\u0636\u0639\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u062a\u062d\u062f\u064a\u062f \u0623\u0647\u062f\u0627\u0641\u0643\u060c \u062b\u0645 \u0635\u064a\u0627\u063a\u0629 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0634\u0627\u0645\u0644\u0629 \u0644\u062a\u062d\u0642\u064a\u0642 \u062a\u0644\u0643 \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0645\u0639 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631. \u0644\u0627 \u064a\u062a\u0639\u0644\u0642 \u0627\u0644\u0623\u0645\u0631 \u0628\u0643\u0645 \u062a\u062a\u0642\u0627\u0636\u0649 \u0645\u0646 \u0631\u0627\u062a\u0628\u060c \u0628\u0644 \u0628\u0643\u064a\u0641\u064a\u0629 \u0625\u062f\u0627\u0631\u062a\u0643 \u0644\u0645\u0627 \u064a\u062a\u0628\u0642\u0649 \u0641\u064a \u062c\u064a\u0628\u0643 \u0646\u0647\u0627\u064a\u0629 \u0627\u0644\u0634\u0647\u0631.<\/p>\n<p data-path-to-node=\"8\">\u0628\u0645\u0633\u0627\u0639\u062f\u0629 \u0627\u0644\u062e\u0628\u0631\u0627\u0621 \u0641\u064a <b data-path-to-node=\"8\" data-index-in-node=\"19\"><a class=\"ng-star-inserted\" href=\"https:\/\/madarej.sa\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwii4KO_gO6SAxUAAAAAHQAAAAAQhgY\">\u0645\u062f\u0627\u0631\u062c<\/a><\/b>\u060c \u064a\u0645\u0643\u0646\u0643 \u062a\u062d\u0648\u064a\u0644 \u0623\u062d\u0644\u0627\u0645\u0643 (\u0645\u062b\u0644 \u0634\u0631\u0627\u0621 \u0645\u0646\u0632\u0644\u060c \u062a\u0639\u0644\u064a\u0645 \u0627\u0644\u0623\u0628\u0646\u0627\u0621\u060c \u0623\u0648 \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u0645\u0628\u0643\u0631) \u0625\u0644\u0649 \u0623\u0631\u0642\u0627\u0645 \u0648\u062c\u062f\u0627\u0648\u0644 \u0632\u0645\u0646\u064a\u0629 \u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u062a\u0646\u0641\u064a\u0630.<\/p>\n<hr data-path-to-node=\"9\" \/>\n<h2 data-path-to-node=\"10\">\u062b\u0627\u0646\u064a\u0627\u064b: \u0627\u0644\u0631\u0643\u0627\u0626\u0632 \u0627\u0644\u062e\u0645\u0633 \u0644\u0644\u0623\u0645\u0627\u0646 \u0627\u0644\u0645\u0627\u0644\u064a \u0644\u0644\u0623\u0641\u0631\u0627\u062f<\/h2>\n<h3 data-path-to-node=\"11\">1. \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u062a\u062f\u0641\u0642\u0627\u062a \u0627\u0644\u0646\u0642\u062f\u064a\u0629<\/h3>\n<p data-path-to-node=\"12\">\u0627\u0644\u0628\u062f\u0627\u064a\u0629 \u062f\u0627\u0626\u0645\u0627\u064b \u0645\u0646 \u0627\u0644\u062f\u0627\u062e\u0644. \u064a\u062c\u0628 \u0623\u0646 \u062a\u0639\u0631\u0641 \u0623\u064a\u0646 \u064a\u0630\u0647\u0628 \u0643\u0644 \u0631\u064a\u0627\u0644.<\/p>\n<ul data-path-to-node=\"13\">\n<li>\n<p data-path-to-node=\"13,0,0\"><b data-path-to-node=\"13,0,0\" data-index-in-node=\"0\">\u0642\u0627\u0639\u062f\u0629 50\/30\/20 \u0627\u0644\u0645\u0637\u0648\u0631\u0629:<\/b> \u0646\u0648\u0635\u064a \u0641\u064a \u0639\u0627\u0645 2026 \u0628\u062a\u062e\u0635\u064a\u0635 50% \u0644\u0644\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629\u060c 30% \u0644\u0644\u0631\u063a\u0628\u0627\u062a \u0648\u0627\u0644\u062a\u0631\u0641\u064a\u0647\u060c \u064820% \u0643\u062d\u062f \u0623\u062f\u0646\u0649 \u0644\u0644\u0627\u062f\u062e\u0627\u0631 \u0648\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"13,1,0\"><b data-path-to-node=\"13,1,0\" data-index-in-node=\"0\">\u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0627\u062f\u062e\u0627\u0631:<\/b> \u062e\u0635\u0645 \u0645\u0628\u0644\u063a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u0648\u0631 \u0646\u0632\u0648\u0644 \u0627\u0644\u0631\u0627\u062a\u0628 \u0648\u0642\u0628\u0644 \u0627\u0644\u0628\u062f\u0621 \u0641\u064a \u0627\u0644\u0635\u0631\u0641.<\/p>\n<\/li>\n<\/ul>\n<h3 data-path-to-node=\"14\">2. \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062f\u064a\u0648\u0646 (\u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643 \u0645\u0642\u0627\u0628\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631)<\/h3>\n<p data-path-to-node=\"15\">\u0647\u0646\u0627\u0643 \u0646\u0648\u0639\u0627\u0646 \u0645\u0646 \u0627\u0644\u062f\u064a\u0648\u0646:<\/p>\n<ul data-path-to-node=\"16\">\n<li>\n<p data-path-to-node=\"16,0,0\"><b data-path-to-node=\"16,0,0\" data-index-in-node=\"0\">\u0627\u0644\u062f\u064a\u0646 \u0627\u0644\u0633\u064a\u0626:<\/b> \u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a\u0629 \u0648\u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0633\u062a\u0647\u0644\u0643 \u062f\u062e\u0644\u0643 \u0628\u0641\u0648\u0627\u0626\u062f \u0639\u0627\u0644\u064a\u0629.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"16,1,0\"><b data-path-to-node=\"16,1,0\" data-index-in-node=\"0\">\u0627\u0644\u062f\u064a\u0646 \u0627\u0644\u062c\u064a\u062f:<\/b> \u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u062a\u064a \u062a\u0633\u062a\u062e\u062f\u0645 \u0644\u062a\u0645\u0648\u064a\u0644 \u0623\u0635\u0648\u0644 \u062a\u062f\u0631 \u062f\u062e\u0644\u0627\u064b \u0623\u0648 \u062a\u0632\u062f\u0627\u062f \u0642\u064a\u0645\u062a\u0647\u0627 \u0645\u0639 \u0627\u0644\u0648\u0642\u062a\u060c \u0645\u062b\u0644 \u0627\u0644\u0639\u0642\u0627\u0631 \u0623\u0648 \u062a\u0645\u0648\u064a\u0644 \u0645\u0634\u0631\u0648\u0639 \u062a\u062c\u0627\u0631\u064a \u0635\u063a\u064a\u0631. \u0646\u062d\u0646 \u0641\u064a <b data-path-to-node=\"16,1,0\" data-index-in-node=\"125\"><a class=\"ng-star-inserted\" href=\"https:\/\/madarej.sa\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwii4KO_gO6SAxUAAAAAHQAAAAAQhwY\">\u0645\u062f\u0627\u0631\u062c \u0644\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a<\/a><\/b> \u0646\u0633\u0627\u0639\u062f\u0643 \u0641\u064a \u0648\u0636\u0639 \u062e\u0637\u0629 \u0644\u0644\u062a\u062e\u0644\u0635 \u0645\u0646 \u0627\u0644\u062f\u064a\u0648\u0646 \u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0628\u0623\u0633\u0631\u0639 \u0648\u0642\u062a \u0645\u0645\u0643\u0646.<\/p>\n<\/li>\n<\/ul>\n<h3 data-path-to-node=\"17\">3. \u0628\u0646\u0627\u0621 \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626 (Emergency Fund)<\/h3>\n<p data-path-to-node=\"18\">\u0627\u0644\u062d\u064a\u0627\u0629 \u0645\u0644\u064a\u0626\u0629 \u0628\u0627\u0644\u0645\u0641\u0627\u062c\u0622\u062a. \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626 \u0647\u0648 \u0635\u0645\u0627\u0645 \u0627\u0644\u0623\u0645\u0627\u0646 \u0627\u0644\u0630\u064a \u064a\u0645\u0646\u0639\u0643 \u0645\u0646 \u0627\u0644\u0627\u0642\u062a\u0631\u0627\u0636 \u0641\u064a \u0627\u0644\u0623\u0632\u0645\u0627\u062a. \u064a\u062c\u0628 \u0623\u0646 \u064a\u063a\u0637\u064a \u0647\u0630\u0627 \u0627\u0644\u0635\u0646\u062f\u0648\u0642 \u0645\u0635\u0627\u0631\u064a\u0641\u0643 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0644\u0645\u062f\u0629 \u062a\u062a\u0631\u0627\u0648\u062d \u0628\u064a\u0646 3 \u0625\u0644\u0649 6 \u0623\u0634\u0647\u0631\u060c \u0648\u064a\u064f\u062d\u0641\u0638 \u0641\u064a \u0623\u0635\u0648\u0644 \u0633\u0627\u0626\u0644\u0629 \u064a\u0633\u0647\u0644 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u064a\u0647\u0627.<\/p>\n<h3 data-path-to-node=\"19\">4. \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a \u0627\u0644\u0630\u0643\u064a<\/h3>\n<p data-path-to-node=\"20\">\u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0648\u062d\u062f\u0647 \u0644\u0627 \u064a\u0635\u0646\u0639 \u0627\u0644\u062b\u0631\u0648\u0629 \u0628\u0633\u0628\u0628 \u0627\u0644\u062a\u0636\u062e\u0645. \u064a\u062c\u0628 \u0623\u0646 \u064a\u0639\u0645\u0644 \u0627\u0644\u0645\u0627\u0644 \u0644\u0623\u062c\u0644\u0643. \u0641\u064a \u0639\u0627\u0645 2026\u060c \u062a\u062a\u0646\u0648\u0639 \u0627\u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0641\u064a \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0633\u0639\u0648\u062f\u064a:<\/p>\n<ul data-path-to-node=\"21\">\n<li>\n<p data-path-to-node=\"21,0,0\"><b data-path-to-node=\"21,0,0\" data-index-in-node=\"0\">\u0627\u0644\u0623\u0633\u0647\u0645 \u0648\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 (ETFs):<\/b> \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0646\u0645\u0648 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0648\u0637\u0646\u064a\u0629.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"21,1,0\"><b data-path-to-node=\"21,1,0\" data-index-in-node=\"0\">\u0627\u0644\u0635\u0643\u0648\u0643 \u0648\u0627\u0644\u0633\u0646\u062f\u0627\u062a:<\/b> \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0639\u0648\u0627\u0626\u062f \u062f\u0648\u0631\u064a\u0629 \u0634\u0628\u0647 \u0645\u0636\u0645\u0648\u0646\u0629.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"21,2,0\"><b data-path-to-node=\"21,2,0\" data-index-in-node=\"0\">\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u064a:<\/b> \u0633\u0648\u0627\u0621 \u0628\u0627\u0644\u062a\u0645\u0644\u0643 \u0627\u0644\u0645\u0628\u0627\u0634\u0631 \u0623\u0648 \u0639\u0628\u0631 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0631\u064a\u062a (REITs).<\/p>\n<\/li>\n<\/ul>\n<h3 data-path-to-node=\"22\">5. \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0644\u0644\u062a\u0642\u0627\u0639\u062f \u0648\u0645\u0627 \u0648\u0631\u0627\u0621 \u0627\u0644\u0639\u0645\u0644<\/h3>\n<p data-path-to-node=\"23\">\u0627\u0644\u0647\u062f\u0641 \u0647\u0648 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0645\u0631\u062d\u0644\u0629 &#8220;\u0627\u0644\u062d\u0631\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629&#8221;\u060c \u062d\u064a\u062b \u062a\u063a\u0637\u064a \u0639\u0648\u0627\u0626\u062f \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u0643 \u0643\u0627\u0641\u0629 \u0645\u0635\u0627\u0631\u064a\u0641\u0643 \u062f\u0648\u0646 \u0627\u0644\u062d\u0627\u062c\u0629 \u0644\u0644\u0639\u0645\u0644. \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0629 \u0627\u0644\u0645\u0628\u0643\u0631\u0629 \u0645\u0639 <b data-path-to-node=\"23\" data-index-in-node=\"122\"><a class=\"ng-star-inserted\" href=\"https:\/\/madarej.sa\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwii4KO_gO6SAxUAAAAAHQAAAAAQiAY\">\u0645\u062f\u0627\u0631\u062c<\/a><\/b> \u062a\u0636\u0645\u0646 \u0644\u0643 \u0627\u0644\u0628\u062f\u0621 \u0628\u0642\u0648\u0629 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0645\u0631\u0643\u0628\u0629 \u0627\u0644\u062a\u064a \u062a\u0636\u0627\u0639\u0641 \u062b\u0631\u0648\u062a\u0643 \u0639\u0628\u0631 \u0627\u0644\u0633\u0646\u064a\u0646.<\/p>\n<hr data-path-to-node=\"24\" \/>\n<h2 data-path-to-node=\"25\">\u062b\u0627\u0644\u062b\u0627\u064b: \u0644\u0645\u0627\u0630\u0627 \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0645\u0633\u062a\u0634\u0627\u0631 \u0645\u0627\u0644\u064a \u0634\u062e\u0635\u064a \u0641\u064a 2026\u061f<\/h2>\n<p data-path-to-node=\"26\">\u0642\u062f \u062a\u0639\u062a\u0642\u062f \u0623\u0646\u0643 \u0642\u0627\u062f\u0631 \u0639\u0644\u0649 \u0625\u062f\u0627\u0631\u0629 \u0645\u0627\u0644\u0643 \u0628\u0646\u0641\u0633\u0643\u060c \u0648\u0644\u0643\u0646 \u0627\u0644\u0645\u0633\u062a\u0634\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0645\u0646 <b data-path-to-node=\"26\" data-index-in-node=\"64\"><a class=\"ng-star-inserted\" href=\"https:\/\/madarej.sa\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwii4KO_gO6SAxUAAAAAHQAAAAAQiQY\">madarej.sa<\/a><\/b> \u064a\u0642\u062f\u0645 \u0644\u0643 \u0642\u064a\u0645\u0629 \u0645\u0636\u0627\u0641\u0629 \u062a\u062a\u0645\u062b\u0644 \u0641\u064a:<\/p>\n<ul data-path-to-node=\"27\">\n<li>\n<p data-path-to-node=\"27,0,0\"><b data-path-to-node=\"27,0,0\" data-index-in-node=\"0\">\u0627\u0644\u0645\u0648\u0636\u0648\u0639\u064a\u0629:<\/b> \u0627\u0644\u0645\u0633\u062a\u0634\u0627\u0631 \u064a\u0631\u0649 \u0627\u0644\u0635\u0648\u0631\u0629 \u0627\u0644\u0643\u0627\u0645\u0644\u0629 \u062f\u0648\u0646 \u0627\u0644\u0639\u0648\u0627\u0637\u0641 \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u062f\u0641\u0639\u0643 \u0644\u0642\u0631\u0627\u0631 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a \u0645\u062a\u0647\u0648\u0631.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"27,1,0\"><b data-path-to-node=\"27,1,0\" data-index-in-node=\"0\">\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631:<\/b> \u062a\u062d\u062f\u064a\u062f \u0645\u062f\u0649 \u0642\u062f\u0631\u062a\u0643 \u0639\u0644\u0649 \u062a\u062d\u0645\u0644 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0648\u0628\u0646\u0627\u0621 \u0645\u062d\u0641\u0638\u0629 \u062a\u0646\u0627\u0633\u0628 \u0639\u0645\u0631\u0643 \u0648\u0623\u0647\u062f\u0627\u0641\u0643.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"27,2,0\"><b data-path-to-node=\"27,2,0\" data-index-in-node=\"0\">\u0645\u0648\u0627\u0643\u0628\u0629 \u0627\u0644\u062a\u0634\u0631\u064a\u0639\u0627\u062a:<\/b> \u0627\u0644\u0625\u0644\u0645\u0627\u0645 \u0628\u0643\u0627\u0641\u0629 \u0627\u0644\u062a\u062d\u062f\u064a\u062b\u0627\u062a \u0641\u064a \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 \u0648\u0627\u0644\u0628\u0646\u0643\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629.<\/p>\n<\/li>\n<\/ul>\n<hr data-path-to-node=\"28\" \/>\n<h2 data-path-to-node=\"29\">\u0631\u0627\u0628\u0639\u0627\u064b: \u062e\u0637\u0648\u0627\u062a \u0628\u0646\u0627\u0621 \u062e\u0637\u062a\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u0639 &#8220;\u0645\u062f\u0627\u0631\u062c&#8221;<\/h2>\n<ol start=\"1\" data-path-to-node=\"30\">\n<li>\n<p data-path-to-node=\"30,0,0\"><b data-path-to-node=\"30,0,0\" data-index-in-node=\"0\">\u0627\u0644\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0634\u0627\u0645\u0644:<\/b> \u0641\u062d\u0635 \u0627\u0644\u062f\u062e\u0644\u060c \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641\u060c \u0627\u0644\u0623\u0635\u0648\u0644\u060c \u0648\u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"30,1,0\"><b data-path-to-node=\"30,1,0\" data-index-in-node=\"0\">\u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0630\u0643\u064a\u0629 (SMART):<\/b> \u0623\u0646 \u062a\u0643\u0648\u0646 \u0623\u0647\u062f\u0627\u0641\u0643 \u0645\u062d\u062f\u062f\u0629\u060c \u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u0642\u064a\u0627\u0633\u060c \u0648\u0627\u0642\u0639\u064a\u0629\u060c \u0648\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u062c\u062f\u0648\u0644 \u0632\u0645\u0646\u064a.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"30,2,0\"><b data-path-to-node=\"30,2,0\" data-index-in-node=\"0\">\u0635\u064a\u0627\u063a\u0629 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629:<\/b> \u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0642\u0646\u0648\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629 \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0629.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"30,3,0\"><b data-path-to-node=\"30,3,0\" data-index-in-node=\"0\">\u0627\u0644\u062a\u0646\u0641\u064a\u0630 \u0648\u0627\u0644\u0645\u062a\u0627\u0628\u0639\u0629:<\/b> \u0646\u062d\u0646 \u0644\u0627 \u0646\u0643\u062a\u0641\u064a \u0628\u0648\u0636\u0639 \u0627\u0644\u062e\u0637\u0629\u060c \u0628\u0644 \u0646\u0631\u0627\u0642\u0628 \u0623\u062f\u0627\u0621 \u0645\u062d\u0641\u0638\u062a\u0643 \u0648\u0646\u0642\u0648\u0645 \u0628\u062a\u0639\u062f\u064a\u0644\u0647\u0627 \u0639\u0646\u062f \u062a\u063a\u064a\u0631 \u0627\u0644\u0638\u0631\u0648\u0641 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629.<\/p>\n<\/li>\n<\/ol>\n<hr data-path-to-node=\"31\" \/>\n<h2 data-path-to-node=\"32\">\u062e\u0627\u0645\u0633\u0627\u064b: \u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0634\u0627\u0626\u0639\u0629 (FAQ) \u062d\u0648\u0644 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0623\u0641\u0631\u0627\u062f<\/h2>\n<p data-path-to-node=\"33\"><b data-path-to-node=\"33\" data-index-in-node=\"0\">1. \u0647\u0644 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u0642\u062a\u0635\u0631\u0629 \u0641\u0642\u0637 \u0639\u0644\u0649 \u0627\u0644\u0623\u062b\u0631\u064a\u0627\u0621\u061f<\/b> \u0625\u0637\u0644\u0627\u0642\u0627\u064b. \u0627\u0644\u0634\u062e\u0635 \u0630\u0648 \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0645\u062d\u062f\u0648\u062f \u0647\u0648 \u0627\u0644\u0623\u0643\u062b\u0631 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u064b \u0644\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u064a\u062a\u0645\u0643\u0646 \u0645\u0646 \u062a\u0639\u0638\u064a\u0645 \u0641\u0627\u0626\u062f\u0629 \u0643\u0644 \u0631\u064a\u0627\u0644 \u064a\u0645\u0644\u0643\u0647 \u0648\u0627\u0644\u0627\u0646\u062a\u0642\u0627\u0644 \u0644\u0637\u0628\u0642\u0629 \u0645\u0627\u062f\u064a\u0629 \u0623\u0639\u0644\u0649. \u062a\u0648\u0627\u0635\u0644 \u0645\u0639\u0646\u0627 \u0641\u064a <b data-path-to-node=\"33\" data-index-in-node=\"196\"><a class=\"ng-star-inserted\" href=\"https:\/\/madarej.sa\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwii4KO_gO6SAxUAAAAAHQAAAAAQigY\">\u0645\u062f\u0627\u0631\u062c<\/a><\/b> \u0644\u0646\u0648\u0636\u062d \u0644\u0643 \u0643\u064a\u0641 \u062a\u0628\u062f\u0623.<\/p>\n<p data-path-to-node=\"34\"><b data-path-to-node=\"34\" data-index-in-node=\"0\">2. \u0645\u0627 \u0647\u0648 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0645\u0646\u0627\u0633\u0628 \u0644\u0644\u0628\u062f\u0621 \u0628\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u061f<\/b> \u0641\u064a \u0639\u0627\u0645 2026\u060c \u0648\u0628\u0641\u0636\u0644 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (FinTech)\u060c \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u0628\u062f\u0621 \u0628\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0628\u0645\u0628\u0627\u0644\u063a \u0628\u0633\u064a\u0637\u0629 \u062c\u062f\u0627\u064b \u062a\u0628\u062f\u0623 \u0645\u0646 1000 \u0631\u064a\u0627\u0644 \u0639\u0628\u0631 \u0627\u0644\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629 \u0623\u0648 \u0627\u0644\u0645\u0646\u0635\u0627\u062a \u0627\u0644\u0645\u0631\u062e\u0635\u0629.<\/p>\n<p data-path-to-node=\"35\"><b data-path-to-node=\"35\" data-index-in-node=\"0\">3. \u0643\u064a\u0641 \u0623\u0641\u0631\u0642 \u0628\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0634\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0628\u064a\u0646 \u0627\u0644\u0645\u0633\u0648\u0642 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0623\u0648 \u0648\u0633\u064a\u0637 \u0627\u0644\u0623\u0633\u0647\u0645\u061f<\/b> \u0627\u0644\u0645\u0633\u062a\u0634\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0641\u064a <b data-path-to-node=\"35\" data-index-in-node=\"87\"><a class=\"ng-star-inserted\" href=\"https:\/\/madarej.sa\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwii4KO_gO6SAxUAAAAAHQAAAAAQiwY\">\u0645\u062f\u0627\u0631\u062c \u0644\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a<\/a><\/b> \u064a\u062a\u0642\u0627\u0636\u0649 \u0623\u062a\u0639\u0627\u0628\u0647 \u0645\u0642\u0627\u0628\u0644 &#8220;\u0627\u0644\u0645\u0634\u0648\u0631\u0629&#8221; \u0648\u0644\u0627 \u064a\u0647\u062f\u0641 \u0644\u0628\u064a\u0639\u0643 \u0645\u0646\u062a\u062c\u0627\u064b \u0645\u0639\u064a\u0646\u0627\u064b \u0628\u0639\u0645\u0648\u0644\u0627\u062a \u062e\u0641\u064a\u0629\u060c \u0645\u0645\u0627 \u064a\u0636\u0645\u0646 \u062d\u064a\u0627\u062f\u064a\u062a\u0647 \u0627\u0644\u062a\u0627\u0645\u0629 \u0644\u0645\u0635\u0644\u062d\u062a\u0643.<\/p>\n<p data-path-to-node=\"36\"><b data-path-to-node=\"36\" data-index-in-node=\"0\">4. \u0647\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u0630\u0647\u0628 \u0622\u0645\u0646 \u062d\u0627\u0644\u064a\u0627\u064b\u061f<\/b> \u0627\u0644\u0630\u0647\u0628 \u064a\u064f\u0639\u062a\u0628\u0631 \u0645\u062e\u0632\u0646\u0627\u064b \u0644\u0644\u0642\u064a\u0645\u0629 \u0648\u0645\u0644\u0627\u0630\u0627\u064b \u0622\u0645\u0646\u0627\u064b \u0641\u064a \u0627\u0644\u0623\u0632\u0645\u0627\u062a\u060c \u0648\u0644\u0643\u0646 \u0644\u0627 \u064a\u0646\u0635\u062d \u0628\u0648\u0636\u0639 \u0643\u0644 \u0627\u0644\u0645\u0627\u0644 \u0641\u064a\u0647 \u0644\u0623\u0646\u0647 \u0644\u0627 \u064a\u062f\u0631 \u0639\u0648\u0627\u0626\u062f \u062f\u0648\u0631\u064a\u0629. \u0627\u0644\u0645\u0633\u062a\u0634\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u064a\u062d\u062f\u062f \u0644\u0643 \u0627\u0644\u0646\u0633\u0628\u0629 \u0627\u0644\u0645\u062b\u0627\u0644\u064a\u0629 \u0644\u0644\u0630\u0647\u0628 \u0641\u064a \u0645\u062d\u0641\u0638\u062a\u0643.<\/p>\n<p data-path-to-node=\"37\"><b data-path-to-node=\"37\" data-index-in-node=\"0\">5. \u0643\u064a\u0641 \u0623\u062d\u0645\u064a \u0646\u0641\u0633\u064a \u0645\u0646 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a\u061f<\/b> \u0627\u0644\u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0630\u0647\u0628\u064a\u0629: &#8220;\u0623\u064a \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u064a\u0636\u0645\u0646 \u0644\u0643 \u0623\u0631\u0628\u0627\u062d\u0627\u064b \u062e\u064a\u0627\u0644\u064a\u0629 \u0641\u064a \u0648\u0642\u062a \u0642\u0635\u064a\u0631 \u0647\u0648 \u0641\u062e&#8221;. \u062a\u0639\u0627\u0645\u0644 \u062f\u0627\u0626\u0645\u0627\u064b \u0645\u0639 \u062c\u0647\u0627\u062a \u0645\u0631\u062e\u0635\u0629 \u0648\u0627\u0633\u062a\u0634\u0631 \u062e\u0628\u0631\u0627\u0621 \u0645\u0648\u062b\u0648\u0642\u064a\u0646 \u0641\u064a <b data-path-to-node=\"37\" data-index-in-node=\"167\"><a class=\"ng-star-inserted\" href=\"https:\/\/madarej.sa\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwii4KO_gO6SAxUAAAAAHQAAAAAQjAY\">madarej.sa<\/a><\/b> \u0642\u0628\u0644 \u062a\u0648\u0642\u064a\u0639 \u0623\u064a \u0639\u0642\u0648\u062f.<\/p>\n<hr data-path-to-node=\"38\" \/>\n<h2 data-path-to-node=\"39\">\u0633\u0627\u062f\u0633\u0627\u064b: \u0646\u0635\u0627\u0626\u062d \u0639\u0645\u0644\u064a\u0629 \u0644\u0645\u0633\u062a\u0642\u0628\u0644 \u0645\u0627\u0644\u064a \u0645\u0634\u0631\u0642<\/h2>\n<ul data-path-to-node=\"40\">\n<li>\n<p data-path-to-node=\"40,0,0\"><b data-path-to-node=\"40,0,0\" data-index-in-node=\"0\">\u0627\u0633\u062a\u062b\u0645\u0631 \u0641\u064a \u0646\u0641\u0633\u0643 \u0623\u0648\u0644\u0627\u064b:<\/b> \u0627\u0644\u062a\u0639\u0644\u064a\u0645 \u0648\u0627\u0643\u062a\u0633\u0627\u0628 \u0645\u0647\u0627\u0631\u0627\u062a \u062c\u062f\u064a\u062f\u0629 \u064a\u0632\u064a\u062f \u0645\u0646 \u0642\u062f\u0631\u062a\u0643 \u0639\u0644\u0649 \u0627\u0644\u0643\u0633\u0628.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"40,1,0\"><b data-path-to-node=\"40,1,0\" data-index-in-node=\"0\">\u0631\u0627\u062c\u0639 \u062e\u0637\u062a\u0643 \u062f\u0648\u0631\u064a\u0627\u064b:<\/b> \u062a\u063a\u064a\u0631 \u0627\u0644\u062d\u0627\u0644\u0629 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629 (\u0632\u0648\u0627\u062c\u060c \u0623\u0637\u0641\u0627\u0644) \u064a\u062a\u0637\u0644\u0628 \u062a\u0639\u062f\u064a\u0644\u0627\u064b \u0641\u064a \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"40,2,0\"><b data-path-to-node=\"40,2,0\" data-index-in-node=\"0\">\u0644\u0627 \u062a\u062a\u0628\u0639 \u0627\u0644\u0642\u0637\u064a\u0639:<\/b> \u0645\u062c\u0631\u062f \u0635\u0639\u0648\u062f \u0633\u0647\u0645 \u0645\u0639\u064a\u0646 \u0623\u0648 \u0639\u0645\u0644\u0629 \u0645\u0634\u0641\u0631\u0629 \u0644\u0627 \u064a\u0639\u0646\u064a \u0628\u0627\u0644\u0636\u0631\u0648\u0631\u0629 \u0623\u0646\u0647\u0627 \u0645\u0646\u0627\u0633\u0628\u0629 \u0644\u0643.<\/p>\n<\/li>\n<\/ul>\n<hr data-path-to-node=\"41\" \/>\n<h2 data-path-to-node=\"42\">\u0633\u0627\u0628\u0639\u0627\u064b: \u0627\u0644\u062e\u0627\u062a\u0645\u0629 .. \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0643 \u0641\u064a \u0627\u0644\u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0647\u0648 \u0627\u0644\u0623\u0636\u0645\u0646<\/h2>\n<p data-path-to-node=\"43\">\u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644 \u0645\u0644\u0643 \u0644\u0623\u0648\u0644\u0626\u0643 \u0627\u0644\u0630\u064a\u0646 \u064a\u0633\u062a\u0639\u062f\u0648\u0646 \u0644\u0647 \u0627\u0644\u064a\u0648\u0645. \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a \u0644\u064a\u0633 \u062a\u0642\u064a\u064a\u062f\u0627\u064b \u0644\u062d\u0631\u064a\u062a\u0643 \u0641\u064a \u0627\u0644\u0635\u0631\u0641\u060c \u0628\u0644 \u0647\u0648 \u062a\u0623\u0645\u064a\u0646 \u0644\u062d\u0631\u064a\u062a\u0643 \u0641\u064a \u0627\u0644\u0639\u064a\u0634 \u063a\u062f\u0627\u064b \u0643\u0645\u0627 \u062a\u062d\u0644\u0645.<\/p>\n<p data-path-to-node=\"44\">\u0641\u064a <b data-path-to-node=\"44\" data-index-in-node=\"3\"><a class=\"ng-star-inserted\" href=\"https:\/\/madarej.sa\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwii4KO_gO6SAxUAAAAAHQAAAAAQjQY\">\u0645\u062f\u0627\u0631\u062c \u0644\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a<\/a><\/b>\u060c \u0646\u062d\u0646 \u0647\u0646\u0627 \u0644\u0646\u0623\u062e\u0630 \u0628\u064a\u062f\u0643 \u062e\u0637\u0648\u0629 \u0628\u062e\u0637\u0648\u0629 \u0646\u062d\u0648 \u062a\u062d\u0642\u064a\u0642 \u0623\u0647\u062f\u0627\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0645\u0633\u062a\u0646\u062f\u064a\u0646 \u0639\u0644\u0649 \u062e\u0628\u0631\u0629 \u0639\u0645\u064a\u0642\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0633\u0639\u0648\u062f\u064a \u0648\u0623\u062f\u0648\u0627\u062a \u062a\u062d\u0644\u064a\u0644\u064a\u0629 \u0645\u062a\u0637\u0648\u0631\u0629.<\/p>\n<blockquote data-path-to-node=\"45\">\n<p data-path-to-node=\"45,0\"><b data-path-to-node=\"45,0\" data-index-in-node=\"0\">\u0627\u0628\u062f\u0623 \u0631\u062d\u0644\u062a\u0643 \u0627\u0644\u0622\u0646:<\/b> \u0644\u0627 \u062a\u0646\u062a\u0638\u0631 &#8220;\u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0645\u0646\u0627\u0633\u0628&#8221;\u060c \u0644\u0623\u0646 \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0645\u0646\u0627\u0633\u0628 \u0647\u0648 \u0627\u0644\u0622\u0646. \u0632\u0631 \u0645\u0648\u0642\u0639\u0646\u0627 <b data-path-to-node=\"45,0\" data-index-in-node=\"80\"><a class=\"ng-star-inserted\" href=\"https:\/\/madarej.sa\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwii4KO_gO6SAxUAAAAAHQAAAAAQjgY\">madarej.sa<\/a><\/b> \u0648\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0643\u064a\u0641 \u064a\u0645\u0643\u0646\u0646\u0627 \u0645\u0633\u0627\u0639\u062f\u062a\u0643 \u0641\u064a \u0631\u0633\u0645 \u0645\u0633\u062a\u0642\u0628\u0644\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0628\u0643\u0644 \u062b\u0642\u0629.<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>\u0641\u064a \u0638\u0644 \u0627\u0644\u062a\u062d\u0648\u0644\u0627\u062a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0627\u0644\u0643\u0628\u0631\u0649 \u0627\u0644\u062a\u064a \u062a\u0639\u064a\u0634\u0647\u0627 \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0648\u062a\u0632\u0627\u064a\u062f \u0641\u0631\u0635 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0648\u062a\u0646\u0648\u0639 \u0623\u062f\u0648\u0627\u062a\u0647 \u0641\u064a \u0639\u0627\u0645 2026\u060c \u0623\u0635\u0628\u062d \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0634\u062e\u0635\u064a \u0636\u0631\u0648\u0631\u0629 \u0645\u0644\u062d\u0629 \u0648\u0644\u064a\u0633 \u0631\u0641\u0627\u0647\u064a\u0629. \u0625\u0646 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0647\u064a \u0627\u0644\u0628\u0648\u0635\u0644\u0629 \u0627\u0644\u062a\u064a \u062a\u0648\u062c\u0647 \u0627\u0644\u0641\u0631\u062f \u0646\u062d\u0648 \u0628\u0631 \u0627\u0644\u0623\u0645\u0627\u0646 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0628\u0639\u064a\u062f\u0627\u064b \u0639\u0646 \u062a\u0642\u0644\u0628\u0627\u062a \u0627\u0644\u0633\u0648\u0642 \u0648\u0639\u0634\u0648\u0627\u0626\u064a\u0629 \u0627\u0644\u0635\u0631\u0641. \u0646\u062d\u0646 \u0641\u064a \u0645\u062f\u0627\u0631\u062c \u0644\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a \u0646\u0624\u0645\u0646 \u0623\u0646 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a \u064a\u0628\u062f\u0623 \u0645\u0646 \u0641\u0647\u0645 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