₦airaland Forum

Sapiosexuality:
Lol. I thought I saw a war but it turned out to be a massacre. I thought a child was been tortured but it turned out my vision was blurred.

You know when we beg that stronger kid not to shove sand into the mouth of his victim. That's what I'm doing here. We know who's stronger now.

I know who will 'phuck' the other up. I'm only preventing that from happening. I'm just sapiosexuality, an advocate of peace. Lol.

Lol
It's been a while I played and actually talked on this forum , you and your perceived victim have done well.

He must be in that his house where network and power supply is lacking in appearance, by tomorrow after charging his phone in the office he will come here and look for trouble again. Take note of his moniker, if you're observant you'll notice a trend.

Don't be like me sha, attracting trouble makers to myself. Unlike poles attract , that tells you the trouble makers will always look for a way to ruffle coolheaded girl's hair, like he's doing to me

Your moniker though always reminds me of a friend on this forum that gets banned everyday! He's currently serving punishment somewhere when he returns, I'll know. You're not him. If you had chosen a simpler moniker, my confusion would have been reduced to zero.

Sapiosexuality:
Lolol. You are high. For now I'm at the corner simply trying to make peace. Once I see a bloody nose I may step in to demand equity.

Your peace creation in the absence of war doesn't speak well for equity demands.

Check your intentions
You are covering up a guy who is trying to expose me. Upon my threat to expose him, you jumped in to beg me. How much is he paying you?

Are you working for him? Reveal your true identity bro.

Sapiosexuality:
Lol. Be careful with his ego. Don't shrink the little thing beyond recognition. I'm not taking sides@Hoz.

Lol. I am beginning to suspect you now. Are you on my side or on the side of a troll who openly abused me and made a mockery of my humble contribution on a noble section of this forum?

You are one of the people who cheer my haters and like my enemies post thereby giving them momentum to ridicule me and force me to deactivate in shame abi?

I will expose you too!

Sapiosexuality:
Lolol. Okay. Be gentle with him, please.

Sure.

It's only familiar strangers that have the effrontery to be hard on me in this forum.

I'll choose gentility as always
But watch out, he'll fight me even harder.

BoleAndFish:
Screenshoting this for police report in case I see any news about a girl teaching a small boy a lesson.

Hahahaha.

Trust me, the police will be more than glad if I'm achieve this mission. I can even get a national award to honour me.

No matter how many times he changes his moniker, his signature and assault on innocent girls like me remains the same. He can't change that.

And he loves bad music. So I know him.

Sapiosexuality:
Don't take his threats lightly except you know he's not capable of that.

I know the boy na

Called the kid on my last birthday for a movie night out but he ran away. Dude got no liver at all.

I'll hunt him down this weekend and teach him a lesson for harassing me on a public forum.

Highly commendable!
Lol. Shame on that troll who will not allow me comment in peace.

Hozier:
Na you sabi talk pass na, cho cho cho cho cho cho, your mouth go dey run like tap, no be you? That mouth go put you for trouble one day, ozuo.


I no where to find you, no be Gb be your area again. I go treat your phuck up, no worry.

See your life outside!

A leopard cannot change its spots, can it?

Oya, chat me up let me give you all the gist you've missed for weeks. A lot has happened

I am on my way to my house along Gb area, come and treat my phuck up let me see you. Small boy!

Hozier:
"Very soon they will say I'm rude" blah blah blah..... are you not rude before?

Nonsense girl. You are annoyed because I called you out. Will you gerrarah here before I treat your phuck up.

Talkative!

Lol. Just say what you want! Stop this bullish approach.

You registered to be a member this November and you already know me as a talkative I know I don't even talk on this forum these days, so what is your own uncle Bully Troll?

You better carry your NL love elsewhere!

Hozier:
[s]
You talk too much, ah ah!
Any small thing, "nene nene nene nene nene "

Will you keep kwayet![/s]

Uncle, must you quote when you're not spoken to? Very soon they will say I'm rude.

You want attention, take it. Now that I've noticed you, what next?

Africa shall be great again!
Robert Mugabe resigned, whether democratically or by coup, he has walked the walk of fame.

OP, thanks for the update. You have renewed my hope in not only the country but the continent.
Nigeria shall be great again!

Congrats on your recorded Victory.
Enjoy the pleasures of hard work and success.

Excellergroup:
I wouldn't miss this wedding for a million dollars.

... and the post duplicated itself!

Pre-wedding pictures will grace your screen soon.
Let's get our concept first.

Excellergroup:
I wouldn't miss this wedding for a million dollars.

How about for hundred million dollars? Lol

geobukky:
Amicable09

Lol. Geobukky, I've shared your post for reference purpose and I know who to report you to

Thanks. You sure you know me well
I can be a handful o

Happy Sunday!
Have a great morning.

davide470:
Nice write-up, but..

...most of the NPLs (Non Performing Loan) in the banking space had little or no collateral backing it; most were given on a oga-know-man basis; no risk management process deployed, especially if you are from the "Oil & Gas" sector then when Brent was breaking the roof..

..but things are changing though.

True, however, things have changed. We've seen that some who even pledged collaterals back in those years offered non-realizable collateral. For instance, presenting third party collaterals and one village Igwe's palace and all. Those properties if push comes to shove and the bank is set to sell, trading it off becomes an issue.

These days banks are wiser and risk management is requesting for collateral cover of at least 140%. This way the disastrous effect if anything should go wrong would have been watered down a bit.

Thanks for sharing in our sentiment.

Understanding Bank Lending is inspired by a conversation/chat I had yesterday with a friend. It might benefit the general public so I thought to share.

More to come...
*******************************************
Some minutes past 10am yesterday, a friend from school who studied Theatre Arts and is currently in the movie industry featuring in epic films and slowly rising as an upcoming star actor called me to request for my bank's partnership with him for a movie he's planning on shooting.

Bank, partner with an individual ? An individual who hasn't registered his company name with Corporate Affairs Commission (CAC). A young graduate in his 20s who is still trying to find his feet in the entertainment industry wants us to fully sponsor his film project. That's funny. I told him to chat me up as the conversation was going to be a long one. Then we began.

I decided to share the history of that chat here because there are a lot of people complaining that Banks don't encourage SMEs, banks don't encourage entrepreneurs, banks don't give loans to retail customers and so on. Not quite true. I'll explain why.

When you accost your account officer or walk into any of your bank's branches on a beautiful day after returning from your dreamworld, you are full of ideas, so much fire in your bones, very optimistic about your dream of being your own boss and an employer of labour but you need to understand what we see when we listen to your big dreams.

The loan/overdraft/import financing/LPO or whatever it is you're requesting for when you approach your bank will come at a cost. Why? Because banks don't print money. We take from areas of surplus (depositors) and give to areas of deficit/want/need (borrowers). This is a huge risk. A very risky business for banks because anything can happen to the individual borrower the next minute. He might die. His warehouse might be razed down after financing the stock in his warehouse. Or on the brighter side, he can go on a vacation to an island with his family and enjoy there till eternity.

Depositors money comes at a cost (interest accrual) to the bank. When we take Kabiru's savings and give to Michael for business and Kabiru walks into the bank the next day to request for his money, what do we do? Tell him we don't have his money anymore? If we try that there will be a run on our banks across all states. People trooping into our banking halls or using their mobile phones from the comfort of their homes to transfer their funds and we don't want that.

Yet, we are in business to serve customers. To offer financial intermediary services so we have no excuse you'll say. I agree with you but overtime banks have had their hands badly burnt therefore we need to apply caution as we discharge one of our primary responsibilities to our customers.

And what is that?

COMFORT

What comfort or collateral have you when you approach your bank. Please don't tell me you have a ready market with buyers waiting in line for your product like my friend told me. If it be so, why don't you leverage on spontaneous financing? The proposed buyers can actually pay in advance as they eagerly await your production. That way, you have money to produce or you can approach the bank with that deposit and it can be accepted as collaterized deposit. That is one form of comfort for the bank. At least, the facility will be cash-backed. No shaking.

Again, we ask to see previous works you've done in the past and you tell us you haven't done anything before but you believe so much in yourself that you want the bank to use your confession as bond. It doesn't work that way. No track record. No past successes to reference and you want your first project to be a block buster. Things don't work that way. Start with the little you have. Do small things first and show us the results. From the antecedents, we can be better prepared to offer financial assistance with your promise to pay back.

I asked my friend who is requesting for bank loan how he intends to pay back and his response was as expected, filled with high hopes. "Local movie houses will buy the movie once it's out. In fact, marketers in Alaba and Onitsha are already on ground. I've spoken with them".

Can you see the dilemma we find ourselves? I'm happy he has their commitments but is there a legal agreement, a partnership deed to close this deal? None! How sure are we that after producing a high budget movie it will not be underpriced? Have you taken into cognizance the commercial side of this project? He responded in the negative but insisted that he has it all figured out!

If it doesn't go as planned, what should the bank fall back on?

He said it will go as planned.

Sometimes, your optimism is not what makes a project work, your understanding and preparedness for failure produces success.

Questions and Reactions are welcome
My friend is like the hundreds of thousands of youths out there looking for a way to hit it big from the start.

Take it slow guys...

Your bank is here to serve you. Trust us to deliver.

OP, all is indeed well!

I took time to read your story from beginning to end and I have to confess, it's a sorry case.

I really don't know what to say in this matter but I'm hoping you'll get help soonest.

Davide470, how can we help our fellow countryman? This thread was created on the first of November, up till today, not many have seen or read about his predicament. This thread is recommended for front-page please.

Abeg, assist to push it forward.

Thanks.

realmindz:
Do you know that fraudsters have different accounts and account names with falsified data? Most discrepancies are the fault of the bank customers. An average Nigerian cannot tell the difference between first name, last name and middle name plus having different dates of birth on documents and I'd cards.

Bvn has come to stay and all irregularities must be corrected. Nigeria will be better with correct biodata capturing system

I know about fraudsters using different accounts to perpetuate fraud. I also know there are clean people with bvn issues and after linking their accounts we begin to see systemated messages flash in our eyes:

BVN MISMATCH!

97% of this mismatch are input errors.
All these charge and bail lawyers have enriched their pockets through affidavits that they are stamping up and down.

I have nothing against BVN, my issue is with seizing monies kept in trust with the bank.

Ballmer:
My dear you will lament to your death. BVN is here to stay anyone not able to go through with it should forfeit the money. You can complain lament wail all you want.

It's unfortunate that my saliva is too precious to be wasted this sunny day on you.

Learn to talk in a civil way then come back. Just maybe, I'll engage you in a civilized conversation.

bettercreature:
Are you a criminal?

Smart girls have Criminal Minds.

careerpluzz:
Great thread.

We have tested and can attest to the genuineness of Paylater.

It works and honestly the money hits your account in less than 5 minutes of your completing the request process.

There is even another one that requests your participation via sms. We also tried it out and it worked. The value of the facility for this one was just 5000 and the interest was 20% for two weeks.

Paylater has different interest rate regimen. We got 20% for 60 days.

Bravo OP.

What!!!!

Incredible!

I keep saying it, there's so much money in the hands of retailers. Poor people spend more money for less.

20% on a few thousand naira loan for 60days?
Short term. Less risk. Very minimal exposure.
Boy! This is good business.

This pricing is everything.

Tell them!

This so called BVN that was haphazardly done. I've not seen anything with as much errors at the time of enrollment in my life than BVN.

Federal Government should continue to look for money in other places and stop making citizens wary of putting their monies in banks. Too much money under people's mattresses instead of bank accounts.

Trust Nigerians sha, where there's a will, there's a way. They'll outsmart FG.

karleone:
I hope you find a good place at a suitable time to learn it.

Won't be bad to have little idea of Data Analysis. Sounds interesting.

I hope I do soon enough.
And yeah, it's not a bad idea for you too.

LastMumu:
Not my intention to douse your interest but a one-day training on excel data analysis is most likely a waste of money, except it is free. You won't learn anything tangible and the few things managed to learn, you will forget it quicker than you learnt it. The best way to learn Ms Excel is on the job training and personal training.

Excel class trainings are overrated.

You're right LM.

One day training won't be enough to grasp full understanding of data analysis. I however don't mind getting the basics, someone helping with the groundwork to lay a good foundation for me and OP has said it's free sha. That's an added motivation

I think what I'll start learning on my own with available online resources. Now that the interest is there before it wanes.

karleone:
Posting it twice shows how important the training/seminar is to you.

Lol. It really is very important to me.
I need training on data analysis most importantly right now.

abimbawealth:
MA!!!
Meant to write "my uncle's charger and case"


Amicable Amicable... Good to read from you ma'am

Lol. Engr Abimbs

Been seeing you around doing what makes you happy in 'viewing centres'. Hope you're good?

I thought to block you yesterday and say hi.

Hi!