sevule, pls dont bother with people who reason like that; it is obvious that person has a problem. Otherwise, what sort of a response was that?

Babzilla:

Maybe U need to read his post all over again b4 U start callign people ignorant making U look like the ignorant one. His complaints are not new. How can u ask someone to do work without giving him the basic tools to make the work easier? Maybe thats what a 2-1 does to one. it makes U an in sensitive jerk.

Calling people ignorant is not an abuse. I meant being ignorant on this issue.

About the type of tool, I don't think the offer letter reads offical car and telephone bills.

sevule:

This is the most ignorant,crass and insensitive reply I have seen in this forum and I hope the poster is not as ignorant

Insensitive or blunt u mean ? The poster gave the impression that FCMB hires graduates for 25k and i tried to state the only reason why that can be and the possible commision earnable.

That i don't think in your direction is no crime. It is my opinion.

Why do Nigerian graduate only think of Job immediately after graduation, why not a creator of their own Job. Friends no Job will pay you so much to satisfy your need. They pay you based on their bottom line, they pay you based on your productivity they are not father Christmas. I don't blame FCMB. When you beg to apply the term of the Job was clearly stated in your letter of employment. Being stupid enough you signed that you want to work not considering the aftermath of you action. When you could not cope you cried out to www.nairaland.com.

Friends the reality on ground is to go back to the era of our grand fathers they were farmers, they were free, married a lot of wives. They do not beg anybody for any job. They are truly independent. Our own fathers were educated, before they graduated job was waiting for them with a car, and well furnished house. But things have changed there are no more Job anywhere. All factories that hired our fathers have being turned to churches, mosque, fellowship centre. All their farms have being converted to religious camp.

Friends you have to wake up. you may not know that if you are selling Gala by the road side you will make more than 25,000 in a month, if you are selling eggs you will make more than that. If you are into laundry of cloth you will earn more than that. if you are selling Newspaper you will make more than that. But every body want to leave home in the morning suit up.

It is unfortunate the kind of education we are being giving in this part of the world is producing weaklings. Graduate who cannot stand on their own who will depend on JOB to survive.

Please find attached Benjamin Franklin Book Way to Wealth read it very well and stimulate your self to productivity for other very helpful Book contanct  benabbey2010@gmail.com

Sincerely, I am being forced to respond to this topic after reading terrible things written by posters including some bankers who are too dumb to think probably because they got the job through the back door as we have in many cases. Let me give you instances, have U ever imagined a graduate who managed to pass through the university and can't really prove his/her degree cursing some other graduates who had to pick up this DSA jobs because they need to survive that they are non entities when they know no jack? I feel embarrassed sometimes when my colleagues talk to subordinates as though they are not human and this I fight them to a standstill. That we are fortunate is not a reason to mock others n make them feel terrible. Remember they are also human like us.

Quote from: PapaBrowne on Yesterday at 09:40:56 PM
How much do you think the bank makes on the 5 Million deposit You think that the money automatically becomes the bank's own??
FYI, the money belongs to the depositor and the average maximum COT that can accrue to the bank from that amount is actually just 25k using the standard 0.5% rate.

@PapaBrowne,
Why r U so insensitive. I am a banker just like U r and I am currently in my 3rd bank. On a deposit of N5m, the bank most times earns more than commission. Do you know the bank's main source of revenue is not commission nor other fees and charges we earn from customers? Do you really know that the business of the bank is Financial Intermediation which is where we make money with depositors money to even pay the interest they pay the depositors. Do U know why we charge COT on current account is because they come into the bank at any time to collect their money thus, we need charge them? If you do not understand the business of banking why not ask your supervisors to put you through rather than embarrassing us @ a public forum as this?

Nigerians and una"suffering worker" mentality!! If I had my way, I will hardly employ any Nigerian workers!!!

stiyke:

You wrote exactly my mind. Also Remember that the COT if applicable might be only once as some ppl open accounts and leave it dormant, but the bank will keep paying the 25k monthly. Its not a matter of resigning or saying nigerians dont have feelings.
The truth is that Nigeria is a very hard environment for business to survive. So businesses are paying what they can to survive. I realised that unlike papabrown most of the posters arent looking at this issue from business owner's point of view. Though i feel its wrong for the worker to finance his marketing drive from the same 25k salary.

Whilst I understand your point there is something I feel businesses are not really doing. We all are waiting for government to provide all our needs when we can always harness the potentials around us. We complain how the cost of power is really affecting business and not thinking of alternative sources. We employ our electrical n mechanical engineers as Marketers, CSOs not thinking of how we can harness their potentials to resolving our problems. I have a colleague who read Mech. Engineering and did a solar panel for generating power as his final year project. I was forced to ask him the day I saw that on his CV what he was asked at His interview because I thought in a panel interview, the interviewers are from different walks of life and I wondered why no one could think of harnessing his potentials by getting similar engineering graduates and use them to build equipments that would help generate power and reduce overhead cost.

In conclusion, I think government and all stake holders really need think of proferring solutions to our current crises and forge ahead as a nation.

Thank you,

2weeks ago i was watching a news and it's talking about a 25yrs old boy that jumped down from 20storrie bulding and died. why? b'cos, the amount they'r paying him in his place of work is to low.
About 5days ago, a gurl of 23yrs old jumped down from 14 storrie building and died again b'cos of the same reason.
the chinese gov investigated the matter and they found out that both of them work in the same company (IPOD).
The makers of ipod phones, mp3 music player etc,

some workers of the company said that, the death of the gurl made it the 7th time that their co-worker died by commiting suicide. and they have been complaining about it b4 the incident.
According to the news reporter, last 2yrs the workers are beeing paid 500rmb every month. in naira it's 12,000n.
but after some series of complains by the workers, last year the company made it 750rmb, which is 18,000 in naira.

so mr or mrs poster, i guess the bank workers are not forced to work there. if they find out that the amount they'r beeing paid is so low to compare to the job they do, i guess they should just quit the job instead of comlaining.

DOWN FALL OF A MAN IS NOT THE END OF HIS LIFE!

@Gboyega

GboyegaD:


In conclusion, I think government and all stake holders really need think of proferring solutions to our current crises and forge ahead as a nation.

Thank you,

Please let this sink to your mind that government are established all over the world be it Democracy, Communism, Socialism, Capitalism, Monarch to favour only a few people. United States of  America was not build by Democrat or Republican government. It was built by Henry Ford who placed American on wheel, It was built by Thomas Alva Edison who light the whole of America with electricity even the White House. It was built by Andrew Carnagies Who built bridges over all rivers on America from Delaware River to California. It was built by the rail magnate. It is still being Built by  Bill Gate who is powering all most all computers with Microsoft, It still being built by Steve Job with Is Apple Ipod, Iphone, Ipad. Is still being built by Intel who build the Chips that is running all computers in the world.

Government don't build anything it set up by the few for the few as along as we look up to government we will always be redundant

pete:

My heart bleeds when I read stuff like this. I was ready to write my piece, up until I saw papabrown's post. Now, if he is right, then there is a situation there. I personally think that, an employer should not pay an employee 25K to bring in 5M. Thats just WRONG. Now, if what they bring in to the bank is actually 25K, then, as one poster rightly stated, don't hire them in the first place.

Its not argument that, take it or leave it, that is absolutely lame, then again, anything goes in Nigerian mentality. When the Oboris and Cecelia are walking with Billions, the young graduate is toiling the streets, thats what we need to change. Please once again, we need to put our lawmakers to work. Nearly everything in Nigeria needs a reform.

I'm about to be an employer or 5 to10 in Nigeria. I'll match the highest paid(in the field, excluding oil companies). However, you'll work for the pay, any laziness or attempt to defraud me or the company, you're out the door.

Pete, Abeg when u are ready for the employment, Kindly contact me. Am a good honest and hard working Nigerian but still looking for a good job that will offer satisfaction and fulfillment. my email add is niger4christ@yahoo.com.

Will be looking out for your mail.
Thanks in advance.

I don hear all of una = I dey  
"Just quit if you cannot accept it!" = Reality be say the government (and your NLC , wetin be the other one?) wey we get no back you one day
"There are so many graduates looking for job" = na still your government (mis-management due to myopia, coming from the "dark" after independence)

The Asians (chinese, pakistanis, bangladeshis, indians, e.t.c.) can work for about the same amount; they are "happy" only because of their value system and strong spirituality (my thinking). Do not forget they have farms, a lot of MANUFACTURING industries, and DO cut their "shoes to their sizes"

My question is: How can WE really reverse this?

To the Bank: Cutting Overhead costs should not necessarily be restricted to active Personnel and remunerations´ cuts only; there are other loop holes that needs tightening, e.g., ask the Directors and CEOs to sacrifice some (not all) of their outrageous entitlements.

@dammytosh, so if you are in a position of leadership in fcmb you would maintain the status quo?do you believe if they improved the working condition of these contract staff their productivity level would also improve or because they did not finish with 2.1,they dont deserve to be treated right?my advise to initial poster too is that he should resign

nigerians, always putting emotions into factual issues.

the fact is that private orgs  reserve the right to pay staff according to their own means,

as sum1 said, if FCMB cant pay staffs well (contract), why dunt you go to GTB?

the operating environs in nigeria is very harsh (especially for banks)


in the united states, jobs are being lost to india, pakistan and malaysia due to the cost of paying staffs and there is nothing that the american government can do about it, because the business model of a private business is to make profit and impress shareholders.


if the bank see it fit to pay contract staff 25k - its their own right.

we all grew up with this civil service mentality that everybody must be fed by the government and provided jobs , but in reality, its the private sector that is supposed to be the greatest employer of labour.

zain has taken this step of  outsourcing our jobs by bringing cheaper labour from the middle east and pakistan.



as a pointer for those clamouring for minimum wage enforcement, "pls dont go there"

last time i checked it was N9,500   :othen jerked up to N15k .


also a company like FCMB cant compete in terms of renumeration with the likes of  GTB and FIRST BANK

This is sad really. Though in accepting this attitude could make a lot of difference. For someone it could be a stepping stone to better things because of the opportunity it presents to associate with a big brand, It primarily depends on the individual. My own two cents is if it is not acceptable let that be the motivation to launch out on your own and be an entrepeneur. You just might make difference for yourself! I am of the sound opinion that in Nigeria we still don't understand customer service and it is an opportunity that can yield significant dividends.

Those people are not staff; they are slaves

benabbey:

@Gboyega

Please let this sink to your mind that government are established all over the world be it Democracy, Communism, Socialism, Capitalism, Monarch to favour only a few people. United States of  America was not build by Democrat or Republican government. It was built by Henry Ford who placed American on wheel, It was built by Thomas Alva Edison who light the whole of America with electricity even the White House. It was built by Andrew Carnagies Who built bridges over all rivers on America from Delaware River to California. It was built by the rail magnate. It is still being Built by  Bill Gate who is powering all most all computers with Microsoft, It still being built by Steve Job with Is Apple Ipod, Iphone, Ipad. Is still being built by Intel who build the Chips that is running all computers in the world.

Government don't build anything it set up by the few for the few as along as we look up to government we will always be redundant

On the spot!!!!!!!!!!!!!!!!!!

@ Poster, best to think of starting out on your own.

It is very obvious that this dude has a lot more to learn about life, so what, u finished with a 2.1 or earning big pay, u need to be thankful to God for putting you where you are and not judge others, I have worked in an international bank as a full staff and i know how much those DSRs are paid, and mind you, they are full graduates, of course they can always reject the offer, but do we know enough to decide if that is the best option for these guys? I suggest pple think deeply before posting stuff.


  Are you a university graduate ?
   Do you have 2-1 or more ?

If no then. You made your choice right from school.

FCMB does not employ graduates with less than 2-1 any consideration outside that is a favour from the bank and you sincerely have the option of saying.

"I humbly write to reject this offer. Thanks for your consideration."

I heard about a fellow DSA like you who collected more than 3million naira as commision from the deposit brought in. You can't read and you can't look for money and you want money.

Get a life and stop misleading fellow ignorant nairalanders.

For  education purpose. if you have all the standard bank's requirement as a graudate, the least FCMB will offer you is 2.2Million Naira per annum.


@All, please try not to be too sentimental about posts, there is always an option[/color]

Poster, by the time you are truly tired of the job, you will leave with dignity. I once told my employer off and left with my dignity intact. So its up to you. Think outside the box, do not tie yourself to the perpetual employee mentality. Somebody like you started Coca Cola, Microsoft, Google and others. Start by developing yourself and money will follow you, instead of the order way round.

@ to all the posters who are asking if the first poster is a graduate, I myself, a UNILAG graduate almost fell into the FCMB bondage/slavery in Sept last year.it went like this;i was invited for an aptitude test and on getting to their Creek road,Apapa branch the HR officer in charge told about 15 of us who attended bluntly that the salary is goin to be 30k & if you arent intrested you are free to leave. i went ahead though to write the test.after 2 days i was called for an interview@Adeola Hopewell, VI which was on an Environmental Saturday. i got to the venue after the sanitation and during the interview he asked me why i came late(11am),i replied because of the environmental,he told me that some pple were here b4 the environmental even started.that aside he sized up my qualifications and said who do i know(big name contacts) in the aviation industry cos my target wld be 5 million/month and reiterated the 30k salary even when i told him my salary at the Aviation company i worked was about 2 times what they were offering and he insisted that they could only offer 30k fixed,while trying to negotiate he called my bluff and said he would "get back to me".indeed he neva got back and i neva bothered.i told some friends and they laughed their ass out.what a joke!!! they didnt care of anyones status as a BSc,HND,OND or even O level holder. some slave drivers accepted their offer though(one man's meat another man's poison you would say).

Kudos to evryone, wht i will jst say is "lets try and built ourselves by been job independent" since for evry enclosure, there must be a way! But d rhetorical ? is " whr is d source for financn?" we nigerian graduates are too proud and arrogant on jobs which make a lot of wealth creatn opportunities pass us by

This is so humiliating and embarrassing. This is another form of slavery God help us. Why are some people so mindless? Why so many just like supressing people putting them at a margin end of no choice? This is pathetic indeed.

I cant imagine what will 25k does in this kind of situation this is more than exploitation is just what I regard as "Professioner Slavery"

I don't know why we have all taken this thing out of context and blown it out of proportion! The country is tough at the moment and we are all being forced to make tough choices both individuals and organisations and it seems real change can only come from the government - through the people.

I had a friend who was almost losing his sanity after staying at home with a 3rd Class degree for 3yrs after graduation and I had to beg a friend in the banks to consider him as a Sales Agent - and that is exactly what it is whether at FCMB or any other bank, these people are engaged as sales agent who get a commission based income.  My friend who became a sales agent has not suddenness become a Bigs Boys but at least he is not begging me for money every and I understand there was a month a made a commission of N90,000 un top of his  his usual 25K and he got promoted to a senior Sales Agent a short while later with a larger monthly stipend.

I don't know about you but this job as bad as it is saved my friend's sanity - of course he complains and wishes for something better but that is usually on a month when sales did not go well - and let us face it who does not want something better? With his experience as a sales agent, he was almost getting a fuletime job in another bank before the sunami hit but that was a blessing in disguise because that bank which I will not name for ethical reasons retrenched people en mass just to stay alive.

That is another thing about all these banks - especially before shake up - many of them were just loud and promising outrageous rewards that they knew very well they could not sustain - how many fulltime workers in banks have had massive salary cuts over the last year? Countless!! The truth is that if there were job,s agents with carry their experienec and run for greener pastures and if the banks are really making money from any scheme or avenue, they will be willing to pay more to keep the egg that lays the golden egg.

The problem is that things are hard! Nigeria is a tough place to run a business in, I have tried it and I know, Do you know what it takes to run a generator for 12 hours?  That is not to say that people should not get a living wage or a decent standard of living but in the end, it is really the government that can change things for us and that change must come from the top. In the meantime, let us encourage all those who are making an effort towards the better be it workers or employers because you never know what effect a simple comment could have.

dammytosh:

@Poster,

   Are you a university graduate ?
   Do you have 2-1 or more ?

If no then. You made your choice right from school.

FCMB does not employ graduates with less than 2-1 any consideration outside that is a favour from the bank and you sincerely have the option of saying.

"I humbly write to reject this offer. Thanks for your consideration."

I heard about a fellow DSA like you who collected more than 3million naira as commision from the deposit brought in. You can't read and you can't look for money and you want money.

Get a life and stop misleading fellow ignorant nairalanders.

For  education purpose. if you have all the standard bank's requirement as a graudate, the least FCMB will offer you is 2.2Million Naira per annum.


@All, please try not to be too sentimental about posts, there is always an option.

I've come across all sorts of  callous talk on this forum but this one tops the charts. I know your type of people. . .your types are the ones who had all their exams written for them from secondary school to university, year one to final year is settlement or "sorting" of lecturers.Having paid your way through, you feel you own your "achievement" and look down on others.People like you who may be fortunate to have good jobs are only there because of the people you know and not because of the peanut sized brain in that over sized head of yours.It's people like you that grill workers unnecessarily just to make yourselves "relevant".People lose their jobs daily because of self righteous bullies like yourself.I know your type. . .they come a dime a dozen.Someday, you will fall and when you fall, i'll see if you still have this "moral upstanding" going for you.

@NL in general

I didn't want to comment but this posters arrogance is really irritating.

that is one of the reasons why we need to continue to pray for our nation. if there is enough employment nobody will do all these bank in disguise servant job. u don't av time for urself, family and friends. still at end of the month u'r given token. that is a slap on the fundamental human right; staff abuse. imagine in a small country like Gambia, the bank staffs ar treated like kings. they hav break, close by 4pm latest 5pm no extra time, sure lunch, their salary is bogus. but in our great country reverse is the case. ma y the Lord save Nigeria fro poor min and poverty itself. AMENNNNNNNNNNNNNNNNNN.[font=Lucida Sans Unicode][/font]

How many options do Nigerians really have? I simply blame the crooks that brought our economy to this shameful state. In the beginning it wasn't like this.
@all
The earlier you start thinking of Minding Your Own Business, the better. Like one poster said, going back to the farms might be a good start for many of us. We all must not work in the offices slaving for peanuts!

Poster Arakiri I really supported what you have just said about the poster you quoted in your post it is unbeleveable someone like him could still be seen what happened as right. May God help us and to think of it as my fellow poster Arakiri has said to him possibly this guy will surely be one of those one who passed through all is education through bribe, settlement or even intimidating of lecturer  that is why he see nothing wrong in what the the so called banks are doing because at the end the fruit they bear is heartlessness, uncare, exploitation and wicked behaviour anyway God will help Nigeria,

harakiri:

Someday, you will fall and when you fall, i'll see if you still have this "moral upstanding" going for you.
@NL in general

I didn't want to comment but this posters arrogance is really irritating.

  I guess that is the price to be paid for not being unnecessarily sympathetic and not thinking in your own line of thought.

When the user used those harsh words for the people who employed him for something he can simply reject, what do you expect ?


Let's see who falls  .

harakiri:

your types are the ones who had all their exams written for them from secondary school to university, year one to final year is settlement or "sorting" of lecturers.Having paid your way through, you feel you own your "achievement"

About all my exams, i guess i paid you to write all. Olodo   , as if he knows anything.
 

------ Six Blind Men Of Indostan, None was Right And Non Was Wrong. It Is A Matter Of Your Opinion.

dammytosh:

  I guess that is the price to be paid for not being unnecessarily sympathetic and not thinking in your own line of thought.

When the user used those harsh words for the people who employed him for something he can simply reject, what do you expect ?


Let's see who falls  .

About all my exams, i guess i paid you to write all. Olodo   , as if he knows anything.
 

------ Six Blind Men Of Indostan, None was Right And Non Was Wrong. It Is A Matter Of Your Opinion.

If i called you a blind-arrogant-dummy, it would be an understatement. If it was a cleaner or driver that was earning N25k a month, that would be understood but we are talking about OND,HND and B.sc holders earning salaries that are not even enough to get them decent clothes not to talk of paying transport, phone bills etc. These people are given huge tasks with little or no tools to work with. This is not a matter of whipped up sentiments.Call a spade a spade.It's wrong by all standards.Some of your cohorts are saying that it's not by force to work there. . .if those people end up jobless, pick up the gun to rob and shoot your two stumpy legs. . .perhaps you might have a rethink.Anybody who works for such a pittance has little or no choice.Some of you here are talking about setting up business. . .is it that easy? Where will the capital come from? Some bring up lame examples such as frying akara and selling pure water on the express road. . .can you permit your own flesh and blood who is a graduate to do that? This is what is killing this country. . .Man's insensitivity to his fellow man.

If this story is true, I recommend as a way of protest. Folks that have accounts with the bank should discontiue business transaction with the bank and do a letter or email telling the management the reasons for their decision to discontinue banking transaction.

But I don't know how you can do that if you have facility line with the bank. on the flip side could it be the bank is having financial challenges??. Its unlikely.!

benabbey:

@Gboyega

Please let this sink to your mind that government are established all over the world be it Democracy, Communism, Socialism, Capitalism, Monarch to favour only a few people. United States of America was not build by Democrat or Republican government. It was built by Henry Ford who placed American on wheel, It was built by Thomas Alva Edison who light the whole of America with electricity even the White House. It was built by Andrew Carnagies Who built bridges over all rivers on America from Delaware River to California. It was built by the rail magnate. It is still being Built by Bill Gate who is powering all most all computers with Microsoft, It still being built by Steve Job with Is Apple Ipod, Iphone, Ipad. Is still being built by Intel who build the Chips that is running all computers in the world.

Government don't build anything it set up by the few for the few as along as we look up to government we will always be redundant

@Benabbey,
Well, if it pleases you to note, I will suggest you read the conclusive part again with an open mind, try as much as you can to understand it then now respond.

Quote from: GboyegaD on Today at 10:24:36 AM

In conclusion, I think government and all stake holders really need think of proferring solutions to our current crises and forge ahead as a nation.

Thank you,

What the above simply imply is that government should provide the sustainable environment and the private should take initiative in proferring solutions to the nation. For any economy to succeed, the govt. should provide the basic infrastructures and securities needed. Even in a core capitalist economy where it is believed that the private individuals rule the economy, government still directs the economy by their macro economic policies and this they use in driving the econony to achieve their objectives.

Please try as much as you can to understand posts before you respond.

Thank you.

@papabrown
u tink sai na only COT bank go get from dat 5million? 2morow, somebody like u wil walk into the same FCMB requesting for loan. they will take from that 5million, give u d loan u want with mind bogling charges and high interest. b4 u finish paying up d loan, u have already paid twice the amount dey gave u. so no dey talk like dat.

G-reycells:

Interesting. I know someone who was hired by FCMB to do same. Today he is a full staff, earning good quid monthly.

[b]He did that for 6 months and cos he met his targets, he was converted to full staff.[/b]

This happens to a lucky few.A lot of corporate organizations would rather reshuffle their contract staff from time to time rather than give them full employment status. . .they do this to save "operational costs".

hehe no wonder bank staff are so grumpy
i swear i curse evrytime i go to the bank
i normally say wit all their suits n clean cut why so rude, 25k a month hehe