Getting a job after service has proved futile. Infact, i have exhausted my meagre NYSC savings during job hunting.
The only option left now is to venture into business to cater for my immediate needs and save up money for my M.Sc programme pending when i land that dream job.
During my NYSC days, i took a 6month intensive course in Agro allied ventures (poultry, snailery and fishfarming). so i have decided to venture into snailery because it is less capital intensive, cost effective, less time consuming, have very low mortality rate (at most 5%) and they give birth to young ones prolifically.
i also have an experience in the sales of 1st grade O.K. shirts.

But my major bane is getting capital to kick start these businesses. i have been to various microfinance banks (LAPO inclusive) to get loan, but they only grant loan to people who already have an established business or tangible collateral. I have also tried sourcing for soft loan too all to no avail.

I will be very glad if a kind hearted Nigerian out there helps me out with this loan. i can provide a guarantor who is currently serving with the NYSC. i will be servicing the loan on a monthly basis with an interest rate we will both agree on.
if u are interested in helping me out, please drop your contact so i can reach u
thanks

jay4genius:
Getting a job after service has proved futile. Infact, i have exhausted my meagre NYSC savings during job hunting.
The only option left now is to venture into business to cater for my immediate needs and save up money for my M.Sc programme pending when i land that dream job.
During my NYSC days, i took a 6month intensive course in Agro allied ventures (poultry, snailery and fishfarming). so i have decided to venture into snailery because it is less capital intensive, cost effective, less time consuming, have very low mortality rate (at most 5%) and they give birth to young ones prolifically.
i also have an experience in the sales of 1st grade O.K. shirts.

But my major bane is getting capital to kick start these businesses. i have been to various microfinance banks (LAPO inclusive) to get loan, but they only grant loan to people who already have an established business or tangible collateral. I have also tried sourcing for soft loan too all to no avail.

I will be very glad if a kind hearted Nigerian out there helps me out with this loan. i can provide a guarantor who is currently serving with the NYSC. i will be servicing the loan on a monthly basis with an interest rate we will both agree on.
if u are interested in helping me out, please drop your contact so i can reach u
thanks

Good but I was of the thinking that NYSC has this scheme going that would require just your NYSC cert as collateral?

i am not really sure of that. even if it were true, it would be open only to people still in service

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jay4genius:
i am not really sure of that. even if it were true, it would be open only to people still in service

To be sure, endeavour to enquire from your guarantor.

well my brother, I am happy for all the efforts you have put in to make a success of yourself. Do not put your mind on loan at first, it wont serve you wella. You do not have 'experience' in the said business but 'ideas', so it might hook you somehow. Think like bankers, do the business in which you have had past experience, it is only on this you can guarantee yourself 50% chances at success.

well again, all the afore-listed business except the O.K shirts are 'capital intensive', you can still buy a bale of the O.k for N27k or select. do your due diligence, start with this and find good location and be very persistence. Do not put what you need on your mind, put what you can earn on daily basis at a stretch of time on your mind first to have a miracle each and everyday.

If you cannot use the business you have always do to raise the first capital, don't borrow to do the business, lest you get stuck. The secret is, the more you have to start, the more you have to lose. imagine losing a borrowed found. But you can reach me anyway, if you don't mind we can rob minds, I do not have money to give though, but I always know what can be done somehow.

just call 08097 17 4000.

read thiis post on how to start any business with little capital. dont allow ur emtions to control your decisions. you cab begin fishery with 5k or 10k. you dont need a loan sir.
any way see the article on starting any business with little capital here