Jadeer programme trains 1,800, pushes Khaznah into top 30 innovations

MUSCAT: The Jadeer programme, launched by DotNext in March and concluded early in December, attracted around 1,800 participants from diverse backgrounds, including students, job-seekers, employees, homemakers and individuals affected by layoffs. Structured across three progressive stages, the programme hosted activities in Suhar and focused on transforming ideas into viable, impact-driven projects aligned with Oman Vision 2040.
The first stage of Jadeer was designed to be introductory and widely accessible, concentrating on foundational concepts and early ideation. As the programme moved into the second stage, the intensity increased significantly, with deeper coursework, multiple learning tracks and a critical phase dedicated to evaluating and selecting ideas.
During this stage, concepts were filtered, refined and tested for feasibility, leading to the selection of the most promising proposals. By the end of this phase, Maram al Hadi’s idea had successfully qualified among the top 30 ideas across the entire programme.
Following the qualification of her idea, Maram advanced to the bootcamp phase. In preparation, she conducted interviews and carefully selected two team members to join the project — Sara al Balushi and Shams al Balushi.
This deliberate and focused team formation reflected a strong leadership approach, ensuring that each member contributed a clearly defined and complementary role to the project.
Maram al Hadi, who specialises in Information Technology, is the founder and team lead of the initiative. She personally developed the website prototype, delivering a solution that is practical, user-friendly and closely aligned with real user needs.
Sara al Balushi led the marketing and social media strategy, while Shams al Balushi managed the legal, administrative and regulatory components. Under Maram’s leadership, the team operated with a clear division of responsibilities, enabling the idea to evolve into a structured and credible digital solution.
The project, named Khaznah, is a digital platform designed to modernise traditional group saving practices (Jam’iya) in a secure, transparent and organised manner. Khaznah addresses a genuine social and financial need, particularly for individuals with irregular income, by offering a trustworthy system that combines financial planning with cultural relevance. The concept aligns closely with Oman Vision 2040 by supporting financial inclusion, digital transformation and community-based innovation.
“Jadeer pushed us to move beyond ideas and focus on impact,” said Maram al Hadi. “Khaznah was built from a real community need, and the programme helped us turn that need into a practical, trustworthy digital solution aligned with Oman’s future vision.”
Throughout the programme, the team encountered several challenges, including communication gaps and rising pressure at each stage of development. Each phase introduced new expectations and obstacles, demanding adaptability, resilience and consistent leadership. Despite these challenges, the project continued to progress steadily, underscoring the strength of the idea and the commitment of the team behind it.
Khaznah is more than a financial tool; it represents a socially driven digital solution grounded in local understanding and practical needs. The project highlights Maram al Hadi’s capability as a founder, technical lead and visionary, successfully translating an idea into a functional prototype while guiding her team through a demanding and highly competitive innovation programme.