₦airaland Forum

adecz:
You want equal salary with doctors,
go & read medicine if you fit.

What a ridiculous demand.

Just like HND holders who want
parity with Degree holders.

Small time, NCE will also want parity
with degree.

Federal govt must not engage every strike
with dialogue, Koboko is better.

I sincerely read your mention with great dismay, but I think should leave you with one word.. "Opportunity" Think about that please and be more objective going forward, thank you.

FG will always come up with cynical statements aimed at confusing gullible Nigerians probably to take sword on JUHESU. You can't confuse us all.

JUHESU is only asking for adjustment from CONHES to CONMES as you avail doctors and not same salary scale as you claimed. And if at all they ask for same salary, are these funds not spent in the same market where inflation is the order of the day?

Since Doctors said they can make do without other health workers, why then are you complaining? "Monkey the work baboon the chop abi"

Stop feeling superior to anyone, you ain't different being. You lack respect for others and want to be reverenced forever, nonsense.

The health Minister should keep telling lies to Nigerians while the fire engulfs the whole edifice.

Why stop another man's little progress when you are swimming in affluence. "Lobish"

ayomidun:
Success mail just in now... Any guides on what to expect at the further assessment?

Congratulations, just wait for oral interview and fast forward to Skye Bank training school for induction and orientation proper.

And this was moved to front page when educative posts are languishing in wilderness?

I don't seem to understand Nairaland anymore, just negodi!!!!

11 effective business promotion pattern for Nigerian entrepreneurs with little or no budget. Business promotion is a core aspect of every business development and such should be accorded the necessary priority to enhance a wide reach in awareness and sensitivity as well create product acceptance amongst consumers of such goods and services.

Effort to promote your business should not be undervalued in any way, rather improvise to get the product to its target market, considering that it will spell income generation.

You may however adopt a combination of any of the below recommendations to fast track your business promotion.

1. Brand gift items: As simple as it sounds, this has proved to be an effective method when you talk about business promotion. It’s in your own interest to do this if you had not considered it before now. Business owners give out gifts to their loyal customers occasionally especially at festive periods as a way of saying “thank you very much for choosing to patronize us all these while”, the idea is that these gifts items should be branded with your business name, location, address, phone number, email address, business website url if you have any.

This will go a long way to promote your business in the eyes of wider audience who could pick up your contact from the brand, make enquiry and possibly visit your business location for patronage. If you have not been doing this, kindly imbibe this idea and see how things will turn out.

2. Give discount on bulk purchase: The truth with this point is that every buyer no matter how rich they are deserve a give away from you, you should be able to part with something to make your customers feel valued for patronizing you because they are actually doing you a favor otherwise they would have to patronize other competitors who may offer fair price with same value. Let them enjoy some discounts on bulk purchase, it gladdens the soul. Don’t be too greedy and stingy not to give out even when your customers ask for it. These same customers will bring you referrals if you treat them well and are vital to your business promotion.

3. SMS Broadcast: This is a modern and one of the most effective business promotion tools, have you gotten an SMS from a shop you once visited and may probably not remember you even visited, thanking you for your patronage as well informing you the arrival of a similar or new product you purchased with them sometime just in case you need to try something new. This is the power of SMS broadcast, it keeps you in regular touch with your customers.

You can Improve bonding which hubs relationship in a business, send text messages on their birthdays to share that special day with them possibly just like you normally get from your bank, they’ll appreciate that. Not forgetting to wish them well in accordance with any festive season, it sends one thing to their minds, “they are valued”. Everybody wants to be treated with air of importance. Do this and start seeing  rapid result.

4. Print customize business T-shirts: This could be an old but effective business promotion tool, buying T-shirts and handing them over to get customized with your business name is not a bad idea at all. Who should wear these T-shirts? You and your customers inclusive, however should be targeted at regular customers who are capable of bringing referrals to your business, give it out as a way of returning back their favor, tell them how you value them and wish this process will be a continuous one.

By wearing the T-shirts your business will travel beyond boundaries as well creating more awareness about your brand, your email address and contact number could as well be printed on it for rapid contact, gradually you will become a household name.

5. Create a website for your business: [/b]The internet has been a credible marketing strategy in recent times, if you have not embraced it, then you are losing big. You can reach a wider and targeted audience with the use of internet, in fact this is the most effective business promotion tool today. 6 out of every 10 Nigerians are online today searching for information, with adequate site optimization thousands of Nigerians will arrive at your site daily  if they eventually search for keywords you are ranking for. The reach on this platform is far beyond what you have offline.

You can use the social media to your advantage, use facebook ads to get targeted audience and convert them to loyal customers, twitter and Instagram are there for you only if you know how to use them to your advantage. The internet is a veritable tool you should strive to harness to its potential.

[b]6. Partner with blogs in your product niche: I don’t mean to sound confusing, modern businesses have leveraged on this method and will continue to be a veritable business promotion tool. This is a practice whereby you identify blogs who are writing and promoting articles relevant to your business category. Contact such blogs and partner with them, when you do they will have to write reviews about your products and showcase to their audience who will in turn patronize you.

Example is say may be the very blog you are reading now which is financengr.com which is a finance blog that deals on banking, personal finance, entrepreneurial development and importation. If a bank wants to promote any product existing or new, they could choose to contact me to write a review about the product. I will do that and publish here for you my reader and others to get to know about it, they will pay me for doing that. While their product gets exposure to the right audience who are interested in financials.

You could as well place banner ads and pay the blog owner for leaving it there for a wider view, this will in turn promote your business for a wider view. Trust you are comfortable with that.

7. Write for a local newspaper if you are a blogger: This strictly concerns bloggers, a blogger is a person who write and publish information online for people like you and me to read and could get to understand how to solve a prevalent problems. I am a blogger here while you are my reader, you get that?

We are looking at business promotion, every blogger wants to promote his/her blog so as to get to a wider audience. This is as well concerned with how to market products in Nigeria, the blog and its contents are the products.

If by chance a local newspaper grants you the opportunity to write and get your writing published on a section of its column, you can imagine how much traffic that will drive to your blog, isn’t that a good business promotion approach, yes because your link will be attached to the post for interested readers to visit your blog for more valuable contents.

A blogger can also contact free advertising sites in Nigeria, where he could submit directory and get audience/traffic in return.

8. Donate branded stand to traffic wardens: You probably heard that for the first time right, well that’s one of the best ways to advertise in Nigeria, just imagine how many eyes that will get to look at the traffic warden stand in a day and envisage if it’s been branded with your business name and contacts around it. Passengers on traffic will definitely try out your site and get busy while the traffic last.

Your product will remain evergreen in their grey matter as much as they pass through that terminal and will definitely try it out. Don’t go about asking best ways you can advertise in Nigeria when you already have more than enough avenues. It takes only eagle eye to identify this business promotion method. If their stand is old, take advantage of this and change it for business optimization.

9. Subscribe to bulletins and magazines: Subscribing for bulletins is an integral aspect of business promotion you must not neglect if you ever expect result in your promotion campaign. Imagine how many readers that will get to see your business on the bulletin or magazine, you must not have direct sales immediately if that is the case, but your business and product remains fresh in the eyes and minds of your consumers, whenever they need a product in that line they could patronize you.

10. Sponsor TV/radio programs: This is very popular and needs no explanation, just that you may have to increase your budget a little bit to fund the cost, the response rate is very encouraging, you could end up being a house hold name.

11. Sponsor a local football team: This as well could demand huge budget, sponsoring a local football team is a good idea. You may have to buy their jerseys, pay their transport when they are playing away from home, could even donate buses. What do you gain in return, you may have your banner ads displayed in their home stadium during matches, fans are having a view of it, viewers watching the game on Television will sight it as well, and it goes a long way.

You could have your business name on their jerseys, buses as well on their football websites as a partner. Which will definitely avail you the required exposure.

Conclusion:

Business promotion is not a rocket science and there’s no definite pattern to it, try out what you think could work out for your business, but must have the ability to interface with required audience. Start implementing the above strategies according to your budget and see how you could make a difference.

If you have any business promotion strategy you think should had made this list, kindly include it using the comment box below.

Do not forget to like and share this article, thank you.

https://financengr.com/2018/04/30/11-effective-business-promotion-pattern-for-nigerian-entrepreneurs-with-little-or-no-budget/

randombumz:
how do we contact you?

The guide will come up on Job/vacancy section of this forum.

Well to all of you who were not invited, it's not the end of the road for you.

Note: Not everyone who's invited will make it to final stage, though I understand how painful it is to see a fellow advance while it seems you are static.

There are still better opportunities ahead, just get yourself prepared. I was once like you, but when my time arrived all protocols were broken and I got a job I thought I was not qualified for.

If you will be OK with a bank contract job that will pay within 70k, 80k and 100k+ then I am committed to show you how to get such jobs in less than one month.

I'm doing this because I posted this Skye Bank recruitment advert on Nairaland and felt so bad to understand that just few of you were shortlisted for the test. Good luck as you await the guide

How to get your tin number (Taxpayer Identification number) same day free of charge in Nigeria. By law, every citizen of Nigeria has an obligatory responsibility to pay and remit his/tax to the appropriate authorities. In developed countries, tax fraud/offense is being frown at immensely with prison able penalties.

However tax is a major source of government revenue as such the federal government of Nigeria haven’t watched with great dismay how taxes are being evaded by individuals and business owners took a step further to launch VAIDS which is Voluntary Access and Income Declaration Scheme. This program is aimed at granting amnesty to all and sundry and encourage everyone to declare their income, assets etc. for tax purposes, thus the need for tin number (Tax Identification number).

What is tin number?

Tin number (taxpayer identification number) is a unique number assigned to each tax payer, individual or companies by the federal government through Federal Inland Revenue Service (FIRS) to identify them as registered tax payers in Nigeria.

To avoid legal implications, companies tend to get their tin number (taxpayer identification number) after incorporation. Here’s all the details you need on how to apply and acquire your tin number for whatever purpose same day and it’s free of charge.

How to start the application process:

Go to any Federal Inland Revenue Service close to you and announce your intention to obtain tin number (tax identification number).

Types of tin number (taxpayer identification number):

1. Enterprise

2. Limited liability Company and

3. Individual or personal tin number

Enterprise and limited liability company tin number (taxpayer identification number) are strictly for business purposes while Individual tin number (taxpayer identification number) is for your personal income tax.

There are two major difference between Enterprise and Limited liability company tin number (taxpayer identification number)

1. There’s no assessment file being opened for enterprise application while you will need assessment file for limited liability type.

2.  The tin number (taxpayer identification number) for enterprise is eight digit number Example 14869725 while that of Limited Liability Company is twelve digit number Example 12546894-0001.

Requirements for application of tin number (taxpayer identification number):

1 Certificate of incorporation- This is certificate used or issued by the corporate affairs commission which permits the business to run as a registered and reorganized entity in Nigeria.

2. Memorandum and Articles of Association- Memorandum of association is document that sets up the company while Articles of association set out how the company is run, governed and owned.

3. Three letter head papers of the business which will contain the following information:

A . The first is called answer to questionnaire which contains: Incorporation date, commencement date, name of the company, business address of the company, email address etc.

B. Application for clearance certificate.

C. Application letter for tin number in Nigeria (taxpayer identification number).

4. Duly completed tin application form.

For individual: You will have to provide a duly completed application form for TIN. Then any of the following ID cards: International Passport, National ID Card, Staff Identity card or National Driver’s License.

How long does it take to get tin number (taxpayer identification number)?

Your tin number will be available same day, if all requirements are met and presented.

How much will I have to pay?

You are not expected to pay any money, it’s free of charge especially if you are running a new business, and however, after incorporation you have a grace period of six months to register for your tin.

If you are registering for an existing business older than six months, you may have to pay accrued charges as made provision for by the Act.

Where can I get tin number in Nigeria?

Visit any Federal Inland Revenue Service office close to you.

Example of a tin number in Nigeria/Nigerian tin number format;

14869725 – For Enterprise Company.

12546894-0001- For Limited Liability Company.
[b]
Tin number updating:[/b]This is the requirement for taxpayers with incomplete records at the Federal Inland Revenue Service (FIRS), to complete their documentation. This can be done at the tax office where the tin was initially generated by providing a. Email address and b. phone number which after updating the system will indicate that the tin has been successfully updated.

[b]Tin number validation in Nigeria:[/b]This is the practice of confirming that the updated tin meets the standard condition for transacting business with other organizations like the Nigerian Custom Service (NCS), Central Bank of Nigeria (CBN), NAFDAC etc.

Validation can be done directly at the FIRS trade portalwww.trade.gov.ng/firs by following the below procedures:

1 . Enter the tin number alongside the email address used in updating same, in the available spaces.

2. Enter the security word CAPTCHA systematically generated and click on validate.

3. If the validation is successful, you will see the following confirmation notice

“Register with NCS Done”.

4. An authentication email notification from “Nigeria Single Window” with a log in password and instruction on how to complete the registration process will be sent to the taxpayers email address.

5. On completion of the validating exercise, an email will be sent automatically to the email address provided confirming successful validation. You are hereby advised to check your email for the information.

This has in summary given a highlight on all you need to know about getting your tin with the Federal Inland Revenue Service (FIRS) in Nigeria.

Are there questions and concerns you wish to get clarity for, it’s you turn now ….. Let us here from you.

https://financengr.com/2018/04/27/how-to-get-your-tin-number-taxpayer-identification-number-same-day-free-of-charge-in-nigeria/

abduljaleel128:
Pls o...is it online...and pls what should we be expecting

If you are shortlisted, you will be invited for a written test.

Familiarize yourself with GMAT questions, Skye bank products and recent development in banking industry and the economy.

Know your basic arithmetic.

EngrDecenti:
These are normal businesses already crowding the Nigerian environment na. Well, at list you gave out some tips to help them run it effectively.

op, please properly format your articles before posting them here o!

Meanwhile, learn how to setup a profitable subscription-based website here https://www.Ghavoch.com/setup or you let http://www.laticodes.com do it for you.

OK, then make way for those who do not know it already... Thank you.

Amazing how you completely ignored the @bedfordng who mentioned a major issue with your service that is making people call it a scam including the op as the op mentioned the same thing.

You ignored the whole thing and this is the response you can give? You expect the op to publish his real name or website name on public forum? Why can't you check your live chat logs for the customers who have been chatting regarding the issues the op raised and also the support tickets open and resolve them.

Not trying to divert the thing.

You have said it all brotherly..

7 Profitable Business Ideas in Nigeria for young Entrepreneurs. Nigeria is a multiple business opportunity nation in West Africa, with a population figure of about 180 million people. This population has continued to attract foreign investors despite harsh business realities that abound in the area of erratic power supply and high level of insecurity of lives and properties.

It’s worthy of note and emulation that Nigerian youths have not been deterred from pursuing viable and profitable business ideas across all divides in the country.

In this guide, I will disclose to you 7 profitable business ideas you can venture in Nigeria while making so much money within shortest period of time.

1.Home food Item Delivery- The nature of life in present day Nigeria had continued to deprive households the immediate comfort of food items from the surrounding markets. Why is it so? Mothers or the supposed house keeper most often do not have time to visit the markets to buy household materials ranging from food items, provisions etc. This is largely due to the nature of their jobs.

8 to 5 is the rat race and a reality we have come to live with as such various departments in our homes have suffered untold neglect with reckless abandon.

Home food items delivery is one of the emerging business ideas you need to key into very fast giving to its lucrative nature. You will make money supplying these food items to homes in your neighborhoods and beyond.

Where and how to get your customers:

Your customers are in business offices in town, go to these offices and introduce yourself and your business to them. You can print business flyers and cards, hand them to your prospective customers and sound convincing beyond doubt that you can deliver. Collect their lists of items, go to the market and buy these goods. Do your constructive market surveys to know where you will have best and cheapest prices with relative demand quality.

Supply the goods for a commission, you may have to charge say N300 for a start. By the time you are able to win 20 customers in a day you can do the math yourself N300x20= 6,000 for a day. Say you spent N1000 on transportation you will still pocket N5000. There are few businesses that make such amount as profit in a day.N5000x30=N150,000 that’s for your profit for one month.

Continue growing your customer base across divides while maintaining a high integrity and honesty.

2. Home Laundry- This is one of the business ideas that’s gradually taking over the scene, it’s quite different from the normal Dry Cleaning services in the sense that you only wash clothes and deliver without ironing, if a customer wants you to do the ironing it goes for a different price. A washing machine is pertinent, you can do home deliveries after washing.

This opportunity thrives because households are continually growing lazy and highly occupied with other domestic chores and will rather decide to send their children clothes and theirs for you to wash and get paid. You do the job and give them the bills.

Where to get your customers:

Move around homes and advertise your services with the word of the mouth, you must dress neatly and presentable as a custodian of what you preach to offer. Print flyers and business cards so your customers can easily contact you when they need your services. You must deliver these clothes promptly to maintain the business relationship.

You may need to visit the nearest dry cleaning services store around you to learn the art of stain removal and chemical mixtures for different samples of fabrics. You must iron professionally if you must offer the services too.

Get an office and offer a professional dry cleaning services when your customer base increases beyond bounds.

3. Run a crèche and daycare service from your home- This is where toddlers and kids are being kept in the absence of their parents. Like I have said earlier, this business ideas is owed to lifestyle in Nigeria which had pressured and given room for this crèche and daycare business to thrive. Working class mothers spent just three months with these toddlers at home after that work begins and are not allowed to bring their kids with them in these offices for optimal concentration, that’s corporate job for you.

This is one of the lucrative business ideas I implore women and mothers who are housewives to take advantage of, you may convert a section of your flat to offer this services till may be the business grows that your apartment cannot accommodate it anymore.

Requirements:

There’s no legal requirement for daycare and crèche services in Nigeria yet, get sizable neat student matrasses, the house should be well ventilated. You will have to invest a fortune in toys and wall graphic papers on children education. The environment should always be neat and void of dirt for health issues. A steady electricity supply is ideal for high profile customers.

In such standards, you will have to charge N8000/monthly for a baby and they will be glad to pay especially if their kids improves physically while staying with you as a result of intensive care and adequate feeding. Say you have 20 babies to take care of:

20xN8000=N160,000 for the month. The population could increase far beyond that.

Where to get your customers:

Visit corporate offices in town and neighborhoods, market your services with flyers, business cards and word of the mouth. Your first set of customers will do the advertisement for you if you had a good working relationship with them, that’s called referral.

4. Open a bet shop/Agent- You may say why bet shop? No matter your principles and what you believe in, it remains the fact that running a bet shop is one of the greatest business ideas in the contemporary Nigerian society.

You can become an agent for Bet9ja, Nairabet, merrybet etc, and make huge returns at the end of every given week in Nigeria. Businesses are collapsing owing to government unstable and poor policies, people are therefore finding solace in trying out their lucks on bets. I know a bet shop that earns a commission of N100,000 a week.

Requirements:

1 . Get a very good site for your shop where football fans dominate, especially where there are football viewing centers. An area with high concentration of people may not really categorize a good site for this business if there are no target customers.

Bet9ja will not approve an agent shop less than ten minutes of walk from another. The major challenge with this business is siting, if you are opportune to get a very good one congratulations on your success in advance.

2. Get two fairly used laptops and two monitors for virtual and game selections for a start. You may need to buy all networks SIM cards in case others fail for internet services.

3. Build the cashier point away from the customer areas. You may take a look to a nearest bet shop to see samples for yourself.

4. Get one plasma Television on a wall in a strategic point and a cable subscription.

5. On approval, you will need at least a starting capital of N50,000 to settle winnings.

6. Generator set for 24hrs power supply, 2900 or 3000 is ideal. Avoid the I pass neighbor syndrome of generator.

Alternatively you may have to buy an existing shop with a notable goodwill, this may cost nothing less than N400k depending on the location. This means that on payment you own and inherit everything in the shop including the cashiers, you will start raking profits from that very week.

Things to note before buying a bet shop:

Try to see the weekly income statement of the existing user, this will decide if you are pricing too high for the shop. A shop with a weekly commission of N70,000 is not too bad for N400k or N600k buyout clause. Seek council from an existing agent to guide you right in this investment decision.

The difference between a new shop and an existing one is the revenue and the customers. You may need some time before you start making the kind of profit you desire in a new shop, while existing shop is selling a goodwill to you, to start making profit immediately without experimenting.

5. Engine oil business- selling engine oil has been one of the lucrative business ideas only few chose to venture into and have been making serious money from it.

You will do well in this business with a location very close to mechanic shops or general mechanic market like one popular Nkwo Nnewi automobile repair market in Anambra state and Mgbuka Obosi Onistha.

You could finish selling a drum of oil in three days making a profit of around N30,000 from a drum. Do your market visibility studies and thank me latter.

6. Private lesson/Tutorials- If you are a teacher in need of extra means of income, then this is for you. Fresh graduates can as well take to private tutoring and make decent income for themselves while applying for jobs. The truth is that you do not offer what you don’t have, you must have a very good knowledge of the subject you intend to teach.

Subjects on high demand are normally English language, Mathematics, Chemistry, Physics and biology. These parents are always willing to pay heavily for your services and time only if you know how to get In touch with them and prove that you actually deserve your bills.

Advertise your services on cardboard papers clearly displayed in conspicuous areas around streets and busy areas especially a high and middle class citizen residential areas. You can advertise your business on social medias, print flyers and share among parents in social gatherings, packaging is key.

7 . Sell memory cards/phone original batteries and chargers- You can actually start this business through mini importation. Go to online stores and search for these products like Iike on Alibaba, Walmart stores, Aliexpress etc, you will meet sellers who will like to do business with you. Make your product preference and shop around different prices to get best quality and prices as well. It's one of the business ideas that has the potential to make you an instant millionaire.

I will advise you to buy from merchants who offer free shipping, this is not only profitable but reduces overhead cost.

Choose to pay the merchant via Escrow, this means the merchant will only get paid after you might have confirmed the receipt of your goods to avoid scam.

You can only attract customers with quality and durable batteries, fast and durable chargers as well original memory cards. Go for the best to avoid killing your business young.

You could get these batteries at very good prices say N400 and sell for as high as N2k, N3.5k and N4k as the case may be, likewise the phone chargers, adapters and codes. If done properly your goods should be delivered to your doorsteps..

Are there viable business ideas you think should have made this list, let’s get to hear from you. If this article is resourceful and you think will help your friends and loved ones, kindly share these business ideas on social medias for a wide reach.


https://financengr.com/2018/04/25/7-profitable-business-ideas-in-nigeria-for-young-entrepreneurs/

The mods have done their worst.

For this thread not to get to front page shows their is no transparency in deciding what gets there.

This is a great disservice to mankind and I think the Nairaland management should look into this.

A similar thread that arrived this evening has been moved to front page, what a world..

alan056:
Application Succesful!

Congratulations..

mickel00:
Bro please how do i get past questions?

Familiarize yourself with GMAT questions, banking industry latest development..

Make a research on Skye bank products, know her mission and objectives. Good luck.

amiberry:
The site is not.going and i am using chrome browser
Anyome with the same problem

The site is currently undergoing upgrade to accommodate increasing traffic, kindly be patient. You are encouraged to use all browsers except Opera mini.

You may also have to contact yes centre for your enquiries on 01-2799500 or 01-4482100

Ojebo:
Pls how do I submit??..av filled all the required details but no Submit button o..hw do I go about it,pls

Is your browser updated, change browser. Use chrome preferably...

destino24:
I can't create an account

Which network are you applying with?

Lalasticlala please do the needful...

Skye Bank recruitment: Apply for Skye Bank entry level recruitment.

Skye bank is one of the leading commercial banks in Nigeria, committed to promoting customer convenience and lifestyle through arrays of electronic banking solutions.

In line with its commitment to improving lives through job creation, the management hereby approves fresh graduate entry level recruitment.

To apply for this job, you have to be passionate and result oriented.

Skye bank offers a competitive work environment and attractive compensation and incentives that enable you meet your career aspirations.

CRITERIA:

1 .A university degree with minimum of Second Class Lower  from accredited institution.

2. Completed the mandatory NYSC Scheme or have an exemption certificate.

3. 26 years or younger.

4. Willing and ready to work in any part of the country.

HOW TO APPLY:

1 Log on to Skye Careers on: www.skyebankng.com

2. Fill in your details via career portal.

3. Test Date is Saturday, April 28, 2018.

Note: Only shortlisted candidates will be contacted.

Signed

Management.

For enquiries and clarity please call: 01-2799500 or 01-4482100 or send email to yescenter@skyebankng.com


https://financengr.com/2018/04/24/skye-bank-recruitment-apply-for-skye-bank-entry-level-recruitment/

See how you can receive and make swift payment with mCash today. mCash is an innovative solution designed to facilitate low-value retail payments, grow e-payments by providing accessible electronic channels to a wider range of users and to further enhance financial inclusion in Nigeria, by extending e-payment benefits to payers and merchants at the bottom of the pyramid where usage of cash has been predominant.

This solution proposes to aid payments to Merchants (sellers) for commodities and services. It leverages the NIBBS Instant payments infrastructure for immediate fund delivery to Merchants accounts and the mobile telephone ussd technology which in recent times has become the most accessible channel for financial and non-financial transactions.

Features:

1 Merchant (seller) code is assigned without charge.

2. The seller receives instant credit for all transactions against T+1 of POS.

3. Payment is made directly from the buyer bank account, no need of card for mCash.

4. There’s no charge for ussd messages as the mCash ussd channel is zero rated.

5. Merchants (sellers) will not bear any cost for transactions below N10,000.

6. Payers get full refund for any transaction done in error.

7. Payments are made from any type of mobile phone.

8. Transaction security is guaranteed by usage of PIN when transacting and authentication with the BVN during enrollment.

Who can use mCash?

1 All business owners (Merchants/seller) who have goods and services.

2. Barbing saloons/Hair dressing Saloons.

3. Supermarkets/Grocery stores.

4. Lottery companies.

5. Pharmacies

6. Clothiers/Bootiques

7. Drycleaners.

8. Artisans.

9. Loungees/bars/ restaurants.

How to start using mCash for payment collection/receipt.

As a business owner, Merchant or Seller

Register with your bank by filling mCash form.
You will be issued an 8 digit Seller code.
Display the allocated mCash merchant code at various business locations for proper payers notification.


As a payer or buyer simply follow the below steps to make your payment for goods and services.

Step 1. Dial *402*Seller code*Amount#

Step 2. List of banks will pop up on your mobile phone, select the bank you want to use for payment.

Step 3. Select the account number.

Step 4. You will be required to provide your date of birth and create a passcode.

Step 5. Final stage: You will receive a confirmation message. As simple as that….

NB; A returning buyer will not be required to provide date of birth.

Benefits of mCash payment system:

1 Merchants are settled instantly without delay or recourse to reconciliation.

2. It does not require internet access.

3. It virtually works on all mobile phones.

4. Ussd service is available on all mobile networks with a wide coverage across Nigeria.

5. 24/7 availability.

6. It is easy and convenient as it limits the volume of cash individuals need to carry around.

7. It provides necessary information to the beneficiary E.g  Payee’s name and payment Narration to help with reconciliation.

What is seller code?

A seller code is an 8 digit unique number assigned by a financial institution to any Seller on mCash.

Can I make payment using any network?

Yes, mCash is available across all network.

What do I need to make payment using mCash?

You are required to have a mobile phone, an account in any CBN licensed financial institution who will require that you create a PIN/PASSCODE to secure your transactions.

Are transactions on mCash instant?

Yes, the payer is debited instantly and the Seller receives instant credit.

What type of mobile device can be used?

You can use any type of mobile phone.

How will the seller and the payer know that a transaction is successful?

The payer and seller both receive a flash screen SMS message showing status of the transaction.

What do I do in the event of a dispute?

The seller can dial *402*1*Sellercode# to get the list of his/her last 5 successful transactions or dial *402*1*Sellercode*Transaction Ref# to confirm a specific transaction. The payer can also report to his or her bank and a refund will be made in 24hrs after verification.


https://financengr.com/2018/04/23/see-how-you-can-receive-and-make-swift-payment-with-mcash-today/

ceeroh:
My fellow nairalanders, I'm in a dilemma at the moment. I presently work in a small company (one man business) with a ridiculously low pay, I can't even afford to save, no defined job description; I run all sorts of errands and yet, I still remain committed. And my boss, he never appreciates whatever you do, uses you as if you're not human, a chronic micromanager. So I wake up every morning feeling depressed and demotivated. But una know na, if I don't work, hunger will wire me and Bubu will call me lazy.
So recently, I went for an interview and I think I did well cos I was asked to come back tomorrow. During the course of the interview, the salary was mentioned and it's more than what I earn presently but the office is on the Island while I live on the mainland. So the t.fare will be much, even as high as what I earn at the moment. Which means I'll have little or nothing left with me after all the monthly expenses.
Now, I was asked to come tomorrow... should I go and hear what they wanna say? If the offer remains the same, should I reject or accept? I'm confused.
And I'm so so tired of my present job. No zeal, no motivation, nothing whatsoever.


Please push this to FP, I have less than 24hours to decide.

Citing the latter part of your submission

"And I'm so so tired of my present job. No zeal, no motivation, nothing whatsoever[/b].

Citing the latter part of your submission

"A[b]nd I'm so so tired of my present job. No zeal, no motivation, nothing whatsoever."

bluediesel03:
You just said, banks would not tell her customers this. Then I ask, don't you think banks will frustrate any of her customer that wish to invest in treasury bills? I need urgent reply. Thanks

Thank you very much for citing that observation, you see your investment is a function of your choice and decision.

No body has the right to frustrate your effort while trying to invest in treasury bills rather they could choose not to market it as that will discourage you from having a fix deposit with them.

The major problem here is information which you now have.

You have the leverage to write to CBN directly stating your frustrations if any, then see how the apex bank will handle that.

Hope my lines are not ambiguous?

Pentools:
this is highly informative. Pls can I have ur contact maybe ur email address or WhatsApp contact, need your utmost financial guidance/advice. Thanks in anticipation...

Glad to know you find it helpful. You can forward your mail to raphdon515@gmail.com better still visit my blog attached to my signature for further educative materials.

Welcomed decision/development, but long overdue!!!

You will be remembered forever.

#Respect!!

Well detailed and simple. This must be a product of experience and experimenting. Sometimes it's always good to have been there to tell the lessons better.

Keyword research before content creation is the way to go if you expect to get organic traffic from search engine, I use think it's a mere say till I almost got frustrated with my first blog.

I don't write contents now without doing a keyword research first and aim at a target and profitable keyword. Since I imbibed in it, my blog has been getting organic traffic like mad. There's no rocket science.

Creating quality back links will as well compliment your effort, this is very very important for search engine to rank your site.

Having done that carefully, relax and be patient while your dividends matures.

Cromcruach91:
During GEJ 's time, oil was, from 2011-14 above $100 per barrel...so the money was 'techincally' there to meet demands.

Except that even at that....it was not enough. Failure to remove oil subsidy plus spending on heavy infrastructure plus bad economic practices left little money for salaries.

Now the problem has carried over to Bubu...who met oil at $70 , then it dropped to $29 , and now it is just up to$70 again. Unless govt takes another loan....

And you think it's wise to meet the demands of Doctors and abandon other health workers, FG managed to answer the Doctors then gave a deaf ear to the Nurses, Pharmacists and other staff.

These people are buying from the same market for crying out loud. I think you should do well to understand why JOHESU Embarked on strike. Ngige just served a peripheral piece to serve their wicked act towards JOHESU.

Find out what real problem is, thank you.

Just when think you've seen or heard it all, another surfaces!!!

9ja home of comedy!!! We hail thee..

Lalasticlala

Introducing the new Skye bank mobile banking application. The era of technology has driven innovation to the next level, thus the ease of accessing bank products at the comfort of your home through mobile phones.

Nigerian banks may have different philosophies, goals and objectives alongside perceptions in diversity when it comes to products they sell, how they sell it to the public, but mobile banking is one area they seem to have similarity in diversity.



The emergence of Skye bank mobile banking application has helped its’ customers immensely. It’s also worthy of note that some customers still encounter difficulties while trying to install and sign up on the Skye bank mobile banking platform.

I will really want to take you by the hands then show you the A, B and C of how to install and start using the Skye bank mobile application.

Skyemobile: This is a mobile solution that avails you the opportunity to have access to your bank account through your mobile phone. This is however irrespective of your GSM network.

Benefits of Skyemobile:

1 You can check account balance via the Skye bank mobile banking application

2. You can purchase airtime of any category and even transfer same to your loved ones be it MTN, Glo, 9mobile, Airtel.

3. It gives you the opportunity to pay your bills like DStv subscription, Go TV, PHCN, Donations to churches, nongovernmental organizations, payment of school fees etc.

4. Card control

5. Master Pass

Who can use it?

Skyemobile can be accessed by every Skye bank customer with a phone.

Is there any charge for transferring money into another Skye bank account?

No, transferring money within Skye Bank is free. However there are processing charge for transfers to other bank accounts.

Read also: See How You Can Get A Bank Teller Job Anywhere In Nigeria

If I lost my phone and simcard probably damaged or stolen, what will happen?

Your money is safe, your account PIN protects your Skye bank mobile banking account. You will have to contact yes Centre on these numbers: 0700075932265, 08069880000, 01-4482100, 01-2705850 or emailYescenter@skyebankng.comyou can as well visit your nearest branch for complaint and support.

Who do I contact for support?

For complaints and dispute resolution, contact Yes Centre on 08069880000, 0700075932265, 01-4482100, 01-2705850.

How do I register or activate my SkyeMobile?

After downloading the Skye bank mobile banking application (Skyemobile) from the Google play store, sign up if you are a new user, provide your credentials to register and activate thereafter. If you are an existing user, select “Existing User” provide your credentials to register and activate.

Note: The phone number to be used must be the registered Skye Bank account phone number as well the email address.

What do I do when I forgot my pin?

Login to the Skyemobile App with your phone number and password, then select the menu button on the top left of the app screen. Select “My Profile”, then select the “Pin Reset”. You will be required to provide any 2 answers to your security questions created during registration. The answers are case sensitive and can be provided in any order. Finally create a new PIN and save. You are done.

If I don’t get my activation, what do I do?

On the “enter activation code page”, click on ”resend activation code button” or dial *389*076*0# from your bank registered line to get an activation code.

What if I forgot my password for Skye bank mobile app?

On the login page, click on “forgot password button.” You will be required to provide any two answers to your security questions created during registration. The answers are case sensitive and can be provided in any order. Finally create a new password and save.

And when I forgot the answers to my security questions?

Login to Skye bank mobile banking platform with your phone number and password, then select the menu button on the top left of the app screen. Select my profile, then select the “forgot security questions option.” You will be prompted to create a new set of security questions. You will then be required to enter your current PIN to save.

How do I add my other accounts to Skye bank mobile banking app?

Login to Skyemobile with your phone number and password, then select the menu button on the top left of the app screen. Select my accounts, then click the (+) sign on the top right of the (My Accounts) page. Enter the account number of the account you want to add, select the account type and enter your existing primary SkyeMobile PIN and send.

Read also: 5 reliable ways to receive money in Nigeria

Features of the newly improved  Skye bank mobile banking app.

Improved user experience

Performance improvement

Customizable background and profile picture

Automatic account verification

Meter number verification for PHCN payment

MasterPass/ Payment

Landing payer transaction history

Login page background music

Horizontal account navigation

Delete push message

Improved DSTV and GOTV verification and bundle selection

Live chat with Yes Center

Note: If you can not launch the app after downloading and you are pretty sure you have a good data network, kindly follow these steps:

1. Go to settings on your mobile phone.

2. Click on the apps option.

3. Identify Skyemobile app.

4. Enable and grant permission for all parameters.

6. Launch the application again, you are good to go.

On activation of Skyemobile on your mobile phone, you can only transfer N1000. To increase your limit, visit the nearest Skye bank branch.

Are their questions you wish to ask or further suggestions? It's your turn now.



https://financengr.com/2018/04/16/introducing-the-new-skye-bank-mobile-banking-application/

13+ ways to grow your entrepreneurial business. Virtually everyone who has been involved in the 8-5 race wants to be self reliant, provide for themselves, dictate their own pace and do not want to have a boss over their shoulder.

Probably wants to wake up from the bed without recourse to time while they make enough money to boost their financial status through a viable business.

These are people with entrepreneurial mindset. According to Zig Zigler "If you can dream it, you can achieve it", that's the power if the mind.

This guide will teach how to grow your entrepreneurial business to a profitable end.

Entrepreneur: Is used to describe someone who creates income streams or make money by starting his own business. They usually do this when they identify new opportunities and take risk as well.

To grow your entrepreneurial business you will have to adhere to the following steps:

1. Know who your competitors are: Obviously you may not be the only one in your chosen line of business, other entrepreneurs must have been operating prior to your arrival, it's then important to know who they are and what they are doing. Are they direct or indirect competitors?

Direct competitors are businesses that have same product  or offering same services as you do, these are the type you must watch closely, while indirect competitors are those who don't offer same service, but meet the same needs in an alternative way. You should be able to know;

A. How your competitors position themselves: The same products and same service can be offered in different ways.

B. Understand the pricing: You must not be too far or low, your pricing should be in line with what the buyers are looking out for, what are the people in your market willing to pay for?

C. Identify your competitors strength: Your idea is to beat your competitors in the same business for same buyers or customers, what do their customers like about them? You may want to offer those things too in unique ways, you will definitely gain ground in the market.

D. Identify your competitors weakness and capitalize on them: Knowing your competitors weakness will help you identify your strength, satisfy the customers in that area and improve your entrepreneurial business.

2. Provide exceptional services: Everyone in business has a service to offer particularly your competitors, but the uniqueness or how these services are being offered to meet needs is what makes the difference, you should go that extra mile to make the difference and stand out to improve your entrepreneurial business.

A. You must know your product inside out: Having good knowledge of what you are offering as you could entertain questions from customers, sounding convincing and confident indicates you know your business.

B. Be friendly: This is natural, being friendly with your customers is a natural way of winning their loyalty, improving bonding while attracting referral benefits. A hostile customer service will kill your business. Every customer wants to feel welcomed and a sense of belonging.

C. Say thank you: Appreciate your customers for choosing you out of many. Gratitude is worth remembering and will always push your customers to your end.

D. Train your staff: Your employees must respect your customers, integrate this in your policy. They must be held to a high esteem, provide trainings that will sensitize them on the need to attend to customers with passion and respect.

E. Listen to your customers and provide their needs.

F. Work and improve on their complaints: This is necessary to maintain their loyalty to your brand.

3. Maintain communication and feedback: Reach out to your customers especially if they haven't come visiting for a while, enquire to know what has gone wrong if any quickly address it and apologize genuinely no matter who's at fault. Whatever feedback you get should be treated with all seriousness it required. Send text messages on their birthdays and wish them well at festive periods. This will help you maximize sales in your entrepreneurial business.

4. Your team must be customer centric: Your customers are key and kings. Strive to leave them with an impression that they are highly valued and welcomed to your fold, never let a dull moment with them. This must be communicated to your employees, the customer is a friend and should be treated as one. See how you can achieve that,

Get everyone involved with the customers no matter the department.

Reward employees for exceptional service quality and customer satisfaction.

Put customer satisfaction ahead of everything else.

Create awareness in your organization.

Make customer satisfaction a part of your values and philosophy. At all times your team should be taxed with providing an exceptional customer experience.

5. Product design and packaging: Create and acceptable and appealing product through creative design and packaging. Your product outlook must be inviting and appealing to the your intending, would be and existing customers.

Judging the book by its cover, some customers will associate with your brand because of its packaging and design. But the quality must as well compliment the packaging and design otherwise your will fail and your entrepreneurial business will suffer.

6. Conduct periodic market survey: Market survey will enable you to understand the needs and demands of your customers relative to quality and pricing. Listen to their feedbacks, conducting a survey will expose your weakness to yourself as well that of your competitors and their strength. Improve on your weakness, capitalize on theirs to win a new business ground. You may use questionnaire and direct interaction approach, this will improve your entrepreneurial business.

7. Pricing: Right pricing to a great extend will determine your success, if it's higher than the expected market condition with all variables being constant, customers will switch to your competitors who provide relatively affordable market price.

If you ate just arriving at the market, you may scale down your price a bit then up when your product gained entrance and widely accepted, the quality must prevail.

8. Reward customer loyalty: Reward your customers for patronizing your products this will go a long way to improve your entrepreneurial business, you may achieve that doing the following,

Offer discount on sales.

create and introduce a loyalty card

Give a way free items with multiple purchases like buy one get one free.

Invite customers to trial developing products and services for free, ask customers to provide feedback on a new offer.

Take your best customers for a day out.

Reward introductions and referrals.

You cannot be that wrong doing these at intervals, keep it up and record steady growth.

9. Grow your contact base /email list: Keep in touch with your customers, announce your new arrival using this channel.

The customer base is the lifeblood of your business future success, the relationship you build with the base is how you grow or not.

10. Provide sponsorship

11. Motivate your employees. This is an integral aspect of your business. A happy employee will treat your customers processionally. You can do this by improving job offer, appraisals and promotions, rewarding exceptional service.

12. Diversify your business.

13. Aggressive advertising campaign

14. Create customers forum and have heart to heart discussions.

Conclusion: You now have what it takes to drive your entrepreneurial  business to the highest level.

Use the comment box to drop your questions and  suggestions if there's any on growing entrepreneurial business. Share this post of if think its helpful.

https://financengr.com/2018/04/15/13-ways-to-grow-your-entrepreneurial-business/