Welcome, Guest: Join Nairaland / LOGIN! / Trending / Recent / New
Stats: 2,483,597 members, 5,624,453 topics. Date: Thursday, 28 May 2020 at 08:49 PM

Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium - Business (2) - Nairaland

Nairaland Forum / Nairaland / General / Business / Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium (2608 Views)

COVID-19: First Bank Grants 2 Months Moratorium On Loan Repayment / List Of Business(es) That Are Eligible For Bank Of Industry Loan / A Nairalander's Experience With Bank Of Industry (documents Attached) (2) (3) (4)

(1) (2) (3) (Reply) (Go Down)

Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by Odejoe: 4:56pm On May 04
1. Pls do BOI give loan for start-up ?
2. What are the categories of businesses that BOI gives their loan?
Thank you
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by ogalandlord: 5:03pm On May 04
jameshow:
Number 5 reason is

Poor security arrangements

In as much as the Bank belongs to the Federal Govt. they don't want to lose their resources, hence the security arrangement in place to protect any loan given out.

The Bank has various security arrangements to secure their loan.

I. Legal mortgage: This is the use of a landed property to secure loan. Usually the loan you secure with a landed property is more than N10m.

ii. External Guarantors security arrangement:

This is a type of security arrangement use to secure loan below N10m by the Bank. The 2 external guarantors must be from the following set of people:

i. Civil servant grade level 12 and above
ii. Bankers: Assistant Bank Manager and above
iii. Professionals such as Lawyers, Doctors, chartered accountant etc
iv. Senior staff ( minimum of Asst Manager) of reputable quoted companies

with a notarized networth form to be filled and taken to court for affidavit.

Inability of applicants to meet this security requirements, will cause a rejection of an application.


No 6 reason is very important as it explain more about putting 1-5 together in a one place before submission and that's why using a consultant is important. TO BE CONTINUED.










This no 5 reason is the problem I have no guarantors and I have a LLC and good business idea
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by jameshow: 9:00pm On May 04
Odejoe:
1. Pls do BOI give loan for start-up ?
2. What are the categories of businesses that BOI gives their loan?
Thank you

Yes they do. However, your business must be feasible

THESE ARE THE KIND OF PROJECTS BOI CAN FINANCE
Adire (Tie and Dye)/Aso Oke
2. Animal Feeds
3. Aquaculture
4. Bakery
5. Blocks and Interlocking Stones
6. Bottled Water
7. Ceramics & Tiles
8. Chemicals and Paints
9. Cosmetics/Hair Products
10. Dairy
11. Digital Printing/Multimedia Publishing
12. Doors and Window Frames
13. E-Commerce/Information & Communications Technology (ICT)
14. Fashion/Garmenting
15. Fish Smoking/Drying
16. Food Processing (comprising processing of agricultural products)
17. Foundries/Metal Fabrication/3-D Printing
18. Fruit Juice
19. Furniture/Wood Processing
20. Gemstones
21. Greenhouses
22. Laundry and Dry Cleaning
23. Leather/Footwear
24. Liquefied Petroleum Gas/Compressed Natural Gas
25. Meat Processing
26. Mechatronics
27. Health Care (Medical Diagnostics)
28. Laboratory/Orthodontist/Ophthalmology/Physiotherapy)
29. Movie Production (Nollywood)
30. Plastics
31. Quick Service Restaurants
32. Quarries
33. Recycling
34. Roofing Sheets
35. Soaps and Detergents
36. Solar (off grid)
37. Technical/Vocational Schools (Offering City & Guild Certificate)
38. Theme Parks
39. Water Transportation Riverine
40. Light Manufacturing (Paper, Roofing Sheets, lube blending, Paints etc)
41. Grocery packaging
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by jameshow: 9:02pm On May 04
ogalandlord:



This no 5 reason is the problem I have no guarantors and I have a LLC and good business idea


you need to secure the loan, try and use the second option
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by jameshow: 10:28pm On May 05
Learn always to do the right thing
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by jayaim: 11:07pm On May 05
Mr man is like u are not getting me. We used a solid consultant like u advised. Is just 9ja bad politics as usual. That's how i missed out in youwin too after this so called changed band wagon came on board.
jameshow:
Number 5 reason is

Poor security arrangements

In as much as the Bank belongs to the Federal Govt. they don't want to lose their resources, hence the security arrangement in place to protect any loan given out.

The Bank has various security arrangements to secure their loan.

I. Legal mortgage: This is the use of a landed property to secure loan. Usually the loan you secure with a landed property is more than N10m.

ii. External Guarantors security arrangement:

This is a type of security arrangement use to secure loan below N10m by the Bank. The 2 external guarantors must be from the following set of people:

i. Civil servant grade level 12 and above
ii. Bankers: Assistant Bank Manager and above
iii. Professionals such as Lawyers, Doctors, chartered accountant etc
iv. Senior staff ( minimum of Asst Manager) of reputable quoted companies

with a notarized networth form to be filled and taken to court for affidavit.

Inability of applicants to meet this security requirements, will cause a rejection of an application.


No 6 reason is very important as it explain more about putting 1-5 together in a one place before submission and that's why using a consultant is important. TO BE CONTINUED.






Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by jameshow: 10:33am On May 06
jayaim:
Mr man is like u are not getting me. We used a solid consultant like u advised. Is just 9ja bad politics as usual. That's how i missed out in youwin too after this so called changed band wagon came on board.

I got you and am telling you, is not possible for you to meet all the requirements and not getting your loan.

quote me anywhere.
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by Atlanticfire: 10:03pm On May 07
jameshow:
BOI is still in the business of providing financial support to serious minded MSMEs, SMEs and LEs operating within the country.

Below are the reasons why many businesses especially MSMEs failed to successfully access well structured BOI loan even after several attempts while they come back to say BOI don't give out loan as being advertised publicly:

Note:

BOI is not a commercial bank that give you loan without any serious documentation or a loan at a killing interest rate that could eventually kill your business. It is a Developmental Financial Institution that give your business financial support with moratorium to enable you stand firm. Their belief is that the project which you took the loan for must be the one to pay back the loan.

let move on now, I will like to focus more on MSMEs and SMEs because I believe most LEs have major required documents.

Here are the reasons:

1. The business owners' inability to determine
what the business actually need.

Many business owners will just approach the bank(BOI) for loan when they not even sure if they actually need the loan or not. Many don't even know the type of business the bank can support and the one they don't support but when they are rejected they will be complaining.

Its not a mistake to say that what some businesses need to thrive in this country is not access to capital. Some actually have access to fund but still fail, they need business consultant who can guide and professionally advise them to determine what next for the business to move on. In this case, BOI has consultants who can guide and also help in securing financial support from BOI after it has been ascertained by the consultant and agreed by the business owner that they actually need financial support.

(I won't charge you a dime for this advisory services until we conclude and agreed by both parties that you actually need the fund and also fit to meet other requirements)


2. Negligence to records keeping.

You will agree with me that an average Nigerian don't take things seriously until is being needed or when chips are down. As a matter of fact that's what brought us to where we are today on this Covid 19 issue. If the FG has shut down the air and land borders on time we wouldn't av been so hit like this. So as our Nigerian business men and women, we don't pay attention to documentation. Today in Nigeria, many businesses are operating without registration with CAC or having any documents that record their daily sales or transactions. With this kind of structure, how can such a businesses successfully access a well structured, documents oriented and easy repayment loan like that of BOI? Such individuals or businesses will be frustrated and ends up saying BOI don't give out loan or is difficult to access. The question now is, did you or your business meets the required conditions?

There are other reasons which i will share here when I see people response to what have shared.

For further enquiry

contact 07088809305




Are the companies that are successful in getting the bank of industry loans actually successful companies on the long run?

Do we have success cases to look to?

It does not make sense to associate with a bank that will not support you to success on the long run.

In my opinion, the bank of industry should focus on making businesses successful and growing
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by jameshow: 1:25pm On May 08
Atlanticfire:


Are the companies that are successful in getting the bank of industry loans actually successful companies on the long run?

Do we have success cases to look to?

It does not make sense to associate with a bank that will not support you to success on the long run.

In my opinion, the bank of industry should focus on making businesses successful and growing




Bro they are so many companies that are successful and I can tell you that 94% of the companies that accessed BOI loan are successful. The Bank NPL is between 4%-6% which is extremely good. With their 10% interest rate per annum and a longer tenor, the Bank has eased financial pressure on many companies that got their loan.

If Companies that patronise Commercial banks can be successfully servicing their loan at 28-32% interest rate, though not easy for them. How much more getting the loan at 10% interest rate per annum with a longer tenor.

See this, if 18% difference is spent on other things or possibly injected back into working capital, what do you think will happen to such a company?

For your info. due to the pandemic, the bank has reduced their interest rate from 10% - 8% for existing loan by restructured the loan as a means of cushioning the effect of pandemic on their businesses.

So BOI loan still remain the best if you want your business to grow.
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by mygee2(m): 2:35pm On May 08
jameshow:


Yes they do. However, your business must be feasible

THESE ARE THE KIND OF PROJECTS BOI CAN FINANCE
Adire (Tie and Dye)/Aso Oke
2. Animal Feeds
3. Aquaculture
4. Bakery
5. Blocks and Interlocking Stones
6. Bottled Water
7. Ceramics & Tiles
8. Chemicals and Paints
9. Cosmetics/Hair Products
10. Dairy
11. Digital Printing/Multimedia Publishing
12. Doors and Window Frames
13. E-Commerce/Information & Communications Technology (ICT)
14. Fashion/Garmenting
15. Fish Smoking/Drying
16. Food Processing (comprising processing of agricultural products)
17. Foundries/Metal Fabrication/3-D Printing
18. Fruit Juice
19. Furniture/Wood Processing
20. Gemstones
21. Greenhouses
22. Laundry and Dry Cleaning
23. Leather/Footwear
24. Liquefied Petroleum Gas/Compressed Natural Gas
25. Meat Processing
26. Mechatronics
27. Health Care (Medical Diagnostics)
28. Laboratory/Orthodontist/Ophthalmology/Physiotherapy)
29. Movie Production (Nollywood)
30. Plastics
31. Quick Service Restaurants
32. Quarries
33. Recycling
34. Roofing Sheets
35. Soaps and Detergents
36. Solar (off grid)
37. Technical/Vocational Schools (Offering City & Guild Certificate)
38. Theme Parks
39. Water Transportation Riverine
40. Light Manufacturing (Paper, Roofing Sheets, lube blending, Paints etc)
41. Grocery packaging
Hello sir please I am an aspiring startup can you please help me wit the feasibility studu to get a loan from BOI my area of interest is Ecommerce
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by Giantfarmer: 4:16pm On May 08
jameshow:


Yes they do. However, your business must be feasible

THESE ARE THE KIND OF PROJECTS BOI CAN FINANCE
Adire (Tie and Dye)/Aso Oke
2. Animal Feeds
3. Aquaculture
4. Bakery
5. Blocks and Interlocking Stones
6. Bottled Water
7. Ceramics & Tiles
8. Chemicals and Paints
9. Cosmetics/Hair Products
10. Dairy
11. Digital Printing/Multimedia Publishing
12. Doors and Window Frames
13. E-Commerce/Information & Communications Technology (ICT)
14. Fashion/Garmenting
15. Fish Smoking/Drying
16. Food Processing (comprising processing of agricultural products)
17. Foundries/Metal Fabrication/3-D Printing
18. Fruit Juice
19. Furniture/Wood Processing
20. Gemstones
21. Greenhouses
22. Laundry and Dry Cleaning
23. Leather/Footwear
24. Liquefied Petroleum Gas/Compressed Natural Gas
25. Meat Processing
26. Mechatronics
27. Health Care (Medical Diagnostics)
28. Laboratory/Orthodontist/Ophthalmology/Physiotherapy)
29. Movie Production (Nollywood)
30. Plastics
31. Quick Service Restaurants
32. Quarries
33. Recycling
34. Roofing Sheets
35. Soaps and Detergents
36. Solar (off grid)
37. Technical/Vocational Schools (Offering City & Guild Certificate)
38. Theme Parks
39. Water Transportation Riverine
40. Light Manufacturing (Paper, Roofing Sheets, lube blending, Paints etc)
41. Grocery packaging
pig and egg production are not listed here, does that mean we can't access BOI loan?
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by jameshow: 8:51pm On May 08
Giantfarmer:
pig and egg production are not listed here, does that mean we can't access BOI loan?

BOI can support an existing business in this line but not a start up
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by jameshow: 12:34pm On May 09
I will be talking about the 10% security deposit as part of the post approval requirements for MSMEs loan

This 10% will be paid by the customer to an account in BOI Micro Finance Bank after the loan has been approved, BOI has a Micro Finance Bank where the customer will be asked to open an interest yielding account in which the Bank and the customer will be a signatory to the account. In case of any default the bank can withdraw the defaulted amount from the account but If the customer didn't default at all throughout the tenor of the loan, the customer can withdraw the amount with the interest on the deposits.

Do contact me for more enquiry
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by TheTourist: 2:35pm On May 09
Very good enlightening post. Keep up the good work and feel free to continue when you can. I will send you a PM to follow up as I have just registered and launched my plastic recycling company, advisory from your wealth of experience will be an asset moving forward. Thanks
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by jameshow: 2:58pm On May 09
TheTourist:
Very good enlightening post. Keep up the good work and feel free to continue when you can. I will send you a PM to follow up as I have just registered and launched my plastic recycling company, advisory from your wealth of experience will be an asset moving forward. Thanks

Thanks bro, I have replied you and you can check the first page for my number. Let talk better

1 Like

Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by irene4reel(f): 5:26pm On May 09
what if boi borrowed someone money through a cooperative and some of the members default in their payment. Can individual now pays her loan? and will boi still grant such individual loan after finish paying back?
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by jameshow: 5:32pm On May 09
irene4reel:
what if boi borrowed someone money through a cooperative and some of the members default in their payment. Can individual now pays her loan? and will boi still grant such individual loan after finish paying back?

BOI has stopped cooperative lending, then when they did cooperative lending there were a lot of issues that came up. In this scenario you raised, yes individual can pay her loan and BOI can still borrow the same individual coming through a new enterprise or company since he/she didnt default in the cooperative he/she borrowed.

Hope I answered your questions
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by jameshow: 1:45pm On May 10
The feedback I got from people who read my write up here is overwhelming.

I quickly want to shed more light on an issue raised by people that got back to me.

They said when they approach BOI for financial support, their staff will just hand over to them(customer) documents with little or no explanation.

Here is the issue, those relationship officers are always busy, they have many applications they are attending to, hence the need for a consultant who will take his time to break down each of the requirements and simplify their conditions for customers to understand.

A man said when he visited, they gave him too many documents, he immediately concluded that this is impossible to achieve. Just ordinary documents oooh.

Many Nigerians are not that patient to go through rigorous documentations while not give your self a rest of mind and let your consultant who understands their language handle it with them?

All you need to do is to provide the necessary information and documents for the consultant to work with and in the case of you unable to get some documents, i will even help or possibly follow you to where you can get those things out. Those are the things you paid for.

Talk to me, I won't charge you for consulting me, i will only charge when its sure you will get the money I.e when you have met all the requirements. My service fee is modest, in fact, some people paid more than what i charged them out of excitement.

Boi is the best if you want to grow
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by Giantfarmer: 2:06pm On May 10
[quote author=jameshow post=89393177]The feedback I got from people who read my write up here is overwhelming.

I quickly want to shed more light on an issue raised by people that got back to me.

They said when they approach BOI for financial support, their staff will just hand over to them(customer) documents with little or no explanation.

Here is the issue, those relationship officers are always busy, they have many applications they are attending to, hence the need for a consultant who will take his time to break down each of the requirements and simplify their conditions for customers to understand.

A man said when he visited, they gave him too many documents, he immediately concluded that this is impossible to achieve. Just ordinary documents oooh.

Many Nigerians are not that patient to go through rigorous documentations while not give your self a rest of mind and let your consultant who understands their language handle it with them?

All you need to do is to provide the necessary information and documents for the consultant to work with and in the case of you unable to get some documents, i will even help or possibly follow you to where you can get those things out. Those are the things you paid for.

Talk to me, I won't charge you for consulting me, i will only charge when its sure you will get the money I.e when you have met all the requirements. My service fee is modest, in fact, some people paid more than what i charged them out of excitement.

Boi is the best if you want to grow

Thank you for the enlightenment you are giving us for free, I am a pig farmer and a prospective poultry farmer (egg production) although I don't need loan now, but can you guide me on things I should start doing to position me been qualify to apply for loan by next year.
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by Giantfarmer: 2:07pm On May 10
[quote author=jameshow post=89393177]The feedback I got from people who read my write up here is overwhelming.

I quickly want to shed more light on an issue raised by people that got back to me.

They said when they approach BOI for financial support, their staff will just hand over to them(customer) documents with little or no explanation.

Here is the issue, those relationship officers are always busy, they have many applications they are attending to, hence the need for a consultant who will take his time to break down each of the requirements and simplify their conditions for customers to understand.

A man said when he visited, they gave him too many documents, he immediately concluded that this is impossible to achieve. Just ordinary documents oooh.

Many Nigerians are not that patient to go through rigorous documentations while not give your self a rest of mind and let your consultant who understands their language handle it with them?

All you need to do is to provide the necessary information and documents for the consultant to work with and in the case of you unable to get some documents, i will even help or possibly follow you to where you can get those things out. Those are the things you paid for.

Talk to me, I won't charge you for consulting me, i will only charge when its sure you will get the money I.e when you have met all the requirements. My service fee is modest, in fact, some people paid more than what i charged them out of excitement.

Boi is the best if you want to grow

{Thank you for the enlightenment you are giving us for free, I am a pig farmer and a prospective poultry farmer (egg production) although I don't need loan now, but can you guide me on things I should start doing to position me been qualify to apply for loan by next year.}
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by jameshow: 4:00pm On May 10
[quote author=Giantfarmer post=89393997][/quote]

No problem, go back to the first page if you have not, then read all have written and follow them.

you can then keep my contact and be getting in touch with me.
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by Giantfarmer: 11:38am On May 11
Alright, thanks
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by Giantfarmer: 11:58am On May 11
I heard that BOI don't give cash that they will pay your creditors directly but how will one cope if you need running capital for your business
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by jameshow: 1:32pm On May 11
Giantfarmer:
I heard that BOI don't give cash that they will pay your creditors directly but how will one cope if you need running capital for your business

Yes, BOI don't give cash to customers to avoid diversion. They disburse the loan to the supplier of the equipment the customer wants to buy.

They give working capital too but only for raw materials.

For both equipment financing and raw material procurement customer must provide pro forma invoice from supplier whom account will be credited when the loan is disbursed.
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by jameshow: 2:09pm On May 12
i emphasized more on loan below N10m in my write up. I will like to talk about the collateral security arrangement available for loan above N10m.

For loan above N10m, there are two security arrangement options

i. Legal Mortgage
ii. Bank Guarantee

I. This option (Legal mortgage) involves the use of landed property by the applicants to secure the loan. In this case, the force sales value of the property must be at least 2.5 times the value of the loan amount.

I.e if you want 20m as a loan the force sales value of the property must be at least 45m and the property must have CofO.

if this option seems difficult, there is another option which is

ii. Bank Guarantee

This simply means a commercial bank will guarantee your loan to Bank of Industry.

Though property will still be required but the 2.5 condition won't be there necessary. The FAC for Commercial Bank might be 1.5m or the same amount of the loan.


Both options are good but using BG makes the processes faster and easier as there won't be legal perfection of the property's documents by BOI which usually delay the process. Perfection of documents will be done by the commercial bank who is guarantee the loan.

Using BG is also cheaper, customer won't pay legal fee which might be expensive depending on the state where the property is located.

For more enquiry get my contact from the first page
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by tayodele1(m): 4:39pm On May 12
Thanks for the write up, it is informative well educative. My question is
1.what are the requirement to get loan for someone who who just start a farming business
Thanks
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by jameshow: 9:07pm On May 12
tayodele1:
Thanks for the write up, it is informative well educative. My question is
1.what are the requirement to get loan for someone who who just start a farming business
Thanks

What type of farming
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by tayodele1(m): 10:14am On May 13
Once again thanks for your response. Gocoa, palm tree and cassava plantation
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by jameshow: 1:41pm On May 13
tayodele1:
Once again thanks for your response.
Gocoa, palm tree and cassava plantation

That kind of farming doesn't fall within the scope of the Bank unless you want to be processing Cocoa into powder, palm fruit into red oil and cassava into gari and you need equipment. BOI can come in that aspect.
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by jayaim: 3:08pm On May 13
Mr James, even though we are namesake u are falling hand. I told u we used a reputation government agency as they stood for us as collateral. U are still arguing with me. Nobody knows it @ll. Are u in Abuja? Let me take u there. The agency is strictly for business & entrepreneurship training. I still insist they used politics to kill it.
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by jameshow: 7:11pm On May 13
jayaim:
Mr James, even though we are namesake u are falling hand. I told u we used a reputation government agency as they stood for us as collateral. U are still arguing with me. Nobody knows it @ll. Are u in Abuja? Let me take u there. The agency is strictly for business & entrepreneurship training. I still insist they used politics to kill it.

Bro. I don't understand you. I pasted above the categories of people who can guarantee loan below N10m. Which categories does this govt. agency fall? You can't use an agency to guarantee loan with BOI, you can only use individuals that meet the requirements stated above.
Re: Bank Of Industry Loan At 10% Interest Rate Per Annum And 6 Months Moratorium by jameshow: 4:49pm On May 16
@jayaim am still expecting your response to the question I asked you

(1) (2) (3) (Reply)

Personal Income Tax In Nigeria / Bitcoin ( OneVanilla Visa/Ma, Amazon, Ebay, & Other gift card at best rate) / How To Access The N50billion CBN COVID-19 Loan

(Go Up)

Sections: politics (1) business autos (1) jobs (1) career education (1) romance computers phones travel sports fashion health
religion celebs tv-movies music-radio literature webmasters programming techmarket

Links: (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Nairaland - Copyright © 2005 - 2020 Oluwaseun Osewa. All rights reserved. See How To Advertise. 231
Disclaimer: Every Nairaland member is solely responsible for anything that he/she posts or uploads on Nairaland.