₦airaland Forum

Since America does not like this kind of event, it shouldn't get to the media at all

jideflash:
Wow. Thats loan shark style. Gtb quick credit is the very affordable. Abt 3% a month

exactly a loan shark system!
You can imagine taking #500, 000 loan and having to pay back #825,000 to a bank helping its customers to solve their problems.

Dexpro:
This is absolutely true.

It is necessary for people to understand before jumping at it.

Access Bank's Small Ticket Loan: what you should know

Access Bank has been aggressively promoting its Small Ticket Loan to customers, particularly salary earners, with promises of helping them combat inflation or settle bills. However, this seemingly attractive offer conceals a loan trap with an exorbitant 65% annual interest rate. I fell victim to this trap when I took out a loan that advertised a 10% annual interest rate. I naively believed that the interest would be calculated yearly and distributed evenly over the loan term.

To my surprise, during the first repayment, the interest deducted from my account exceeded even the principal repayment. This left me bewildered, assuming they had deducted the entire interest upfront since the amount debited matched the stated 10%. My concerns grew when I discovered on my Access More app that I still had to pay additional interest in subsequent repayments. I immediately contacted the bank's customer care for clarification and was disheartened by their response.

I learned that the interest was calculated at a rate of 10% on a reducing balance, not annually as I had initially understood. This resulted in an effective interest rate of 65% per annum. In practical terms, if you borrow 100k, you will need to repay a staggering 165k. Repayments are expected to commence from the first month, which can be challenging, particularly if you plan to repay solely from your salary. Regrettably, this crucial explanation may not be provided before taking out the loan.

Therefore, it is essential to exercise caution before considering this loan option. Ensure that you thoroughly understand and can comfortably meet the repayment terms, especially during the initial months. It is crucial to make an informed decision that aligns with your financial capabilities.

Stay informed and proceed with caution.

This is a great idea. Nigeria needs more land to match our ever increasing population, and make us the real super power we are.

enochogaga:
Am here to give you any answer about fault on ur generators, and how to identify original generators.

Hello Everyone! I am a dry cleaner considering buying a generator to power my irons and machines. I will need a minimum of 7.5kva generator and those that appear to fit in my budgets are elepaq constant and lutian generators. I don't know which is better between them. I am also open to suggestions outside these two.
My budget is about 170k

Hello Everyone! I am a dry cleaner considering buying a generator to power my irons and machines. I will need a minimum of 7.5kva generator and those that appear to fit in my budgets are elepaq constant and lutian generators. I don't know which is better between them. I am also open to suggestions outside these two.
My budget is about 170k

Issssssaaaa gooooooaaaaalllll

At last musa is out

leeking:
Thanks I really appreciate the response. They are into sorghum malt production.

if that is the case, in addition to my previous hints,you may need to have an idea of fermentation and probably pasteurization, food safety and general hygiene. What they just need is a good foundation they can build on.

[quote author=leeking post=67257061]

leeking:
Good morning sis,pls I need your help. I studied biochemistry (with no working experience yet) and I'm having a written interview for the post of a Quality control officer tomorrow, I just don't know what to lay my hands on. Pls what are the likely questions I should read on? Your response will be appreciated.

If you have not claimed to have experience, just be prepared for general questions about biochemistry, laboratory, and how biochemistry relates to the job. You should have an idea of what they manufacture, roles of quality control , good hygiene practice, how to prepare laboratory solutions, including storage conditions of common laboratory reagents( eg silver nitrate is stored in amber bottle). You may also need to know what the difference is between quality and grade, These are just general , I might be able to give you more hints if I know what the firm is into... All the best!

Can you fabricate 100kg/hr spray drying system?
What is the heating arrangement for your soap boiling kettle?

Techno L9 plus. Except that it has quadcore and doesn't have 4g . But it meets all other requirements you listed: 5000mAh, 6" screen, Front and back camera and flash, 7.0 android version,fingerprint, Otg enabled. Price is 45-49k

countryfive:
these group of white men came to make money

I don't think it is a bad idea for a business venture to make money, but the relationship must be mutually beneficial. They must involve our people in key operations and transfer the technology. It is just a shame that at this stage of our existence we can't produce rifles for our security forces , while countries are building nuclear warheads

heendrix:
which polish beryl M762 abi polish made AK47

this people are just here to scam a whole lot from u guys.

Even if it is only AK 47 we are able to produce locally through this arrangement, it is no mean feat. You can imagine the number of AK 47 our security forces use , and estimate how much job we can create and foreign exchange we can earn by exporting to smaller countries.

According to Jane’s 360 and the producer Fabryka Broni the Defence Industries Corporation of Nigeria (abbreviated DICON) and the holding company Polish Armaments Group (PGZ) have agreed to begin the production of the Beryl M762 military rifle.

Eventually, the full production will take place in Nigeria, at the Ordnance Factory Complex in Kaduna.

According to Jane’s the Beryl M762 is an export variant of the Polish military’s 5.56 mm Beryl wz. 96C service rifle that is chambered in 7.62×39 mm.

Below: Note the suppressor. Looks like B&T’s model with QD.



From the Press Release from Fabryka Broni – please note it is auto-translated from Polish.

Polska Grupa Zbrojeniowa signed with the Defense Industries Corporation of Nigeria (DICON) a memorandum on defining conditions and rules for technology transfer for the production of Beryl M762 rifles in Nigeria.

On Monday, March 26 at the headquarters of Fabryka Broni “Łucznik” in Radom, a memorandum with the Nigerian company DICON was solemnly signed. The content of the memorandum sets out the rules and conditions for the Beryllium M762 carabiner technology divided into three stages in Nigeria. The Polish Armaments Group was represented by the chairman of the board, Dr. Jakub Skiba and members of the board Paweł Pelc and Michał Kuczmierowski, while the Nigerian side of the director-general DICON general of the division Bamidele OlalekeOgunkale and director of the legal office DICON Kike Abiodun Bello. The letter of intent was signed in the presence of the Secretary of State in the Ministry of National Defense, Sebastian Chwałek.



– Abuja’s Armed Forces have been using Beryl M762 carabiners for several years. Very good opinions about them were one of the main reasons why our partners from Nigeria chose them as products that have a chance to become the basic equipment of their soldiers. This is a great opportunity not only for the Radom Factory of Arms, but also for other companies from our Group, to build a bridgehead for further expansion on these markets – said PGZ S.A., Dr. Jakub Skiba, after signing the memorandum.

Beryllium M762 is the equivalent of the modified wz.1 carabiner used by the Polish Army in 2009 96C. The only difference is ammunition – version M762 uses cartridges 7.62 mm x 39, while in Poland 5.56 mm x 45 ammunition is used.

In February 2015, the first batch of 1000 Polish Byzantes M762 along with repair kits hit the Nigerian army. This was the result of a contract worth over PLN 3.3 million, signed between Fabryka Broni and the Nigerian army in 2014. Another contract was concluded at the beginning of 2015 and included the sale of 500 Beryllium M762 powered by a 7.62 mm x 39 cartridge and 10 Mini Beryl M556 subcarabinets for 5.56 mm x 45 ammunition. Deliveries were made at the end of June 2015. The PGZ Group companies also provided supplies of training systems dedicated to Beryl carabiners.



– Representatives of the Nigerian Armed Forces praise the reliability, ease of use and ergonomics of our Beryllium. Difficult climatic conditions and the asymmetry of the threats that Nigerian military face on a daily basis builds the demand for solid products. All the more glad that this product are carbines from Fabryka Broni – said the president of the management board of Fabryka Broni “Łucznik”, Adam Suliga.

– Today’s memorandum is the next step on the path of cooperation with Nigeria. Development of an effective technology transfer model within the partnership with DICON will expand our competence to further expand into foreign markets and strengthen our position among other potential partners – added a member of the management board of Fabryka Broni “Łucznik”, Maciej Borecki.

Defense Industries Corportation of Nigeria, DICON, is a state-owned company of the Nigerian state, subject to the Nigerian Armed Forces. Deals mainly with special trade, ie production of defense equipment and products for the civil market, with special emphasis on small arms and ammunition dedicated to it.
The M762 has accessory rails and uses standard AK-47 magazines.

The fire selector comes with a single shot, three-round burst, and full-automatic modes.

Nigeria will be great

Explorers:
A leader waiting for bus to work

but this man behind is reading biafra news paper

tusinsola:
There is a new job which is user friendly and for mature minds only. It doesn't deprive you of pursuing your careers and ambitions.Is to give more financial stability.If you are interested please drop your email address ,I will send a message to you.

360talisman@gmail.com

GeneralOjukwu:
From your own name, it's obvious you are a JOKER.

Force you to buy properties in foreign land ? It's only Aba Jews who are foolish enough to refuse to invest in their own home and choose to " " develop " elsewhere

By the way....OONI is a single guy now...he went to do market survey. Aba Jewish women are a dime a piece

the king cant marry an igbo woman, he must marry from among the children of oduduwa

murphydon:
You can actually get a good one at Novelle center, near cosmo fm behind keystone bank new haven. Cheers

please can you give me a direction from Emene? And do you have an idea of their programmes?

Prechbills:
[/b]
You might be wondering why northerners don't want restructuring?
1.restructuring Nigeria means south-south will be controlling their oil
2.Nigeria is nothing without nice delta
3.they see themselves as born to rule
4.they want 1st class and 2nd class citizens
5.They don't want to work hard because they're eating money from Niger delta....
6.restructuring will make them very poor

Reason why some prominent Yoruba's like OBJ and tinubu?
1.without niger delta Lagos will be devasted
2.they don't want south-south to control their oil
3.they want to seem good in the eyes of their Hausa overlords...
Mind you this isn't hate speech... Just saying the fact after analyzing the current situations in Nigeria...[/color][color=#000099][color=#990000][/color]

joblessness at its peak...endeavour to use Google before going to public to spew thrash

please where can I get HSE training in Enugu ?

onnenka:
How will Yoruba Muslims defend this?

idiot, all your efforts to devide the yorubas have always failed..get a life or ask for directions to third mainland brigde and do the needful

YorubaDemon:
.

5

I am currently having same problem. My system already says ' consider replacing the battery'. So it is the battery that is faulty

Odu’a Investments Limited on Wednesday declared a profit before tax of N597million and the sum of N175 million dividends were paid to the five owner states of Oyo, Ogun, Ondo, Osun and Ekiti.

The cheques were presented to representatives of the owners at the Cocoa House headquarters during the 34th Annual General Meeting (AGM) of the conglomerate.

Each state received N35 million, representing an increase of 16 per cent above the N30 million they received last year.

The company’s Group Managing Director (GMD), Mr Adewale Raji, said the company paid higher dividends as a reward for the support of shareholders in the challenging operating environment in the year under review as well as an assurance of better days ahead.

He thanked the shareholders for their support and assured of better deals in the future.

The N597 million profit declared was however three per cent lower than the N615 million declared last year. Gross earning for the 2015 fiscal year also stood at N1.69 billion, a 16 per cent decrease from the previous year’s N2.02 billion.



Raji said that the company was able to maintain financial stability amid the harsh economic comditions because it focused in the strategies laid out to achieve efficiency.

He said: “We remained focused to our strategies and were committed to our ideals and goals. Despite the very turbulent time that we are all facing, we ensured the highest level of efficiency and we kept our eyes close to the ball, not dropping it. I think we have been able to have this impressive result because our shareholders have made it possible for us.

“The time was challenging, I must confess. Income was very tough. We managed and ended up with a reduction in income. In actual fact, our profit is lower by three per cent compared with the previous year. We all know all the challenges in the economy today in terms of disposable income to people and patronage. These are areas which affected us seriously. All the same, we are managing business. Unless a business demonstrates profitability, there is nothing you can tell shareholders or stakeholders. We believe that with our focus and commitment, all our other plans will materialize and then we can start to demonstrate growth.”

The GMD also disclosed that one of the areas the company was working on is agro-processing industry especially as the country tends towards diversification of the economy as well as patronage of made-in-Nigeria products.

He said: “We want to sustain what we did in the past and introduce new thing that could generate more revenues. We are working assiduously on this. We just laid the foundation of a housing estate in Ibadan. We are trying to add to our private portfolio and we are going into agro-processing.”

The Secretary to the State Government (SSG) of Osun, Alh. Moshood Adeoti, who spoke on behalf of the five shareholder-state commended the company for paying higher dividends in spite of lower profit. He urged the management not to rest on its oars.

Lagos State, which joined the group earlier this year, is expected to join the in the next AGM.

Who bought the drinks on the table, Nigeria or France?

Their story na jamb question

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