My brother how is life? has Oduz been able to grant you the 100k loan as promised? I feel the best way to begin is to be part of a process so you are sure of the foundation. instead of waiting for people who may not be able to deliver on promises due to reason that may not be within their control, lets build up a credible platform toward a collective self help.

All the banks have similar rules: civil servant or blue-chip companies otherwise you are on your own. pray you do not need these banks.

aquatic1: For the month of april stocking

Hello catfish farmers or intending farmers, our fingerlings and juvenile over 30,000pcs is available for sale for the month of march stocking at a very reasonable prices, fingerlings ranging from 3gram to 4gram, and average length of 3cm to 4cm and juvenile ranging from 5grams and average length of 5cm to 7cm. The fish are produce from a broodstock weighing (male 1.5kg) and female ( 1.8kg), they are produce in a quiet hatchery and they are feed well to meet a good standard, they are healthy and fast growing fish. You can make a booking with us now.

Home delivery is available within or outside lagos.
Large quantity attract a discount

For more information, call 08053018934 or 07089391123. Or send an email to araratnigeria@gmail.com. You can also check our information blog www.araratnigeria..com or website www.araratnigeria.gnbo.com.ng, or ping us 25F845B8.
Or visit oloruntoba estate ilepa, by sango otta ogun state.

A trial will convince you.

Longest time my brother. Thanks for the visit to my farm. i need to know if your juveniles are still available and if you have any infor on the bio-filter execlsior talked about cos i still need to do the re-circulatory because of draniange. By HIS grace by ending or first week in may i should start

DejiOluyem: OP, I am a Marketer at Enterprise Bank, we give salary loans provided your salary acct is domiciled wt us. All you need is to get documentatn of your bank statement and letter of recommendatn from ur HR stating ur salary every month and standing in as a guarantor should u default in paying. Dats all. We will surely give u d loan.

Irrespective of the size of the company?? how much loan is available to a custmer on what are your basis of computation? pay back period and interest. ( the maximum ceiling one can borrow?

excelsiorfarm: I already sent the snail detail I sent others

You mean sent to me?? pls if you have I have not receive it yet you may kindly resend. Thanks. Again, the bio-filter and aerator you mention earlier, I need help on them pls.

excelsiorfarm: integrityfood, i believe u are fine, i will love to point out a thing or two for reference sake, africkmart is a person that claim to have fishes and you are someone that wanted to start smoking fishes(at that time with no fishes), to buttress this point followers of this thread can go to page 9 to confirm, also the business thread on (CATFISH FARMING-MY STORY-BUSINESS) page 6,7 ,January 16-18,21 as a reference point to all, I don't recommend people, specially when I haven't met any of u before, GOD BLESS

@ Excielsius:
I appeciate you for being nice to people. I hope you read my post very well. i did nt say you know and can guaranty me. i mentioned that you directed someone who had fish to sell and the deal was very well executed which the lady could attest to my effort. I could not do the smoking myself at that time but we try sourcing for buyers and she was very grateful. At least you directed someone to meet me and I dealt faithfully with the person. I have met Ararat who is an honest person too. Your comment is not bad just to put the records right cos integrity is had to earn and one little error its gone!!!

try and contact the ops the young farmer cooperative society Abeaukuta. She may be of help.

Akdams:

@integrityfood..... ... I thought about this 2 years ago. I called on many to form an association like this ( all for one, one for all) many didn't sign up. Thank God for those that believe in my dream then and joined me as collective poineeering members. Last year the cooperative was registered after over a year processing modalities. After spending about 300k.

Mimshack multipurpose cooperative society limited. You can hook up with us has foundation member's . This is the beginning of good thing to come. Those that didn't believed then. They saw the reality. You that is just hearing about don't be left out.

Further info could be directed to me by submitting your email on this thread or maybe we open a fresh thread so not so as not distort the opinion being raised by @Integrityfoods

Thank you.

I welcome your inspiring contribution. Pls can you share the challenges you encountered during the build up to your registration and the specific requirement. Have you thought of the interest free model

Thanks

Bams95: @Op,i work with Fidelity Bank plc.i will like to discuss with u.u can call me on this number 08066206907

If you are real and not scam reveal your identity; your name, branch and d product. This way you will help clear doubt and prove your integrity whereby attracting more customers

manie:

Where is the property located? If your property is located in a good area and you have C of O to the property, you should be a able to get a loan.

If you have shares in blue chip companies, the shares will act as a very good collateral.

Thanks for your concern my brother. my property is in ikorodu with 3 bedroom bungalow. I am not interesting in using the property for loan anymore except with a big bank who will not be interested in my small house like the stories making the rounds that roadsides money lenders are diabolical who will stop at nothing till the frustrate you and take one's property

ajiifixing: Walk into any stanbic ibtc bank.as long as you can move your salary to them, you loan is sure.

Sorry Stanbic IBTC like all other banks will only treat loan cases of people working with blue-chip coy n govt establishments!!! i have been there and were not helpful. they say if you have been banking with them for long they might help. And they also mentioned that for you to qualify for asset finance, you must earn 90k +

I have said it earlier, our system is not helping the poor. Am listening if things have change though

yes there is govt ministry that handles the registration of cooperatives thru the director of cooperative in each state of the federation.

call your relatives at home if you are from the S/E or S/S and find out the current price per 20 liter n make effort where you intend to sell how much the buyer are willing to pay for the same quantity then factor in logistics, storage etc. am sure you can get oil in the east generally

many young entrepreneurs with sound business ideas are hindered because of starting capital. Our economy is not designed to help start-ups in any field. The financial market is sceptical of lending to an individuals/start-ups basically for fear of losing their money. From personal experience, financial institutions including government funded institutions like the bank for Agriculture, bank of industry prefers to deal with a group of people like COOPERATIVE SOCIETIES, Established organisations (big companies, churches) and wealthy individuals.

In view of taking the advantage of the collective benefit in achieving one's goal, establishing or joining a cooperative society remains one better option to raise start up capital.

practically, I have approached more than 10 banks, few micro finance banks and private financial institutions for loan even with my land C of O yet was not worthy in their assessment for a start up loan but they all agree on one point: lending to a cooperative.

My submission here is not however to say that borrowing money is a better way than trusting God for financial solution but if its the last option, coming together under an umbrella of a cooperative can break that barrier against start ups.

There are farmers cooperative, traders cooperative, workers cooperative etc. joining one and regular payment of your dues may allow you borrow upto 2 to 3 times your savings with lower interest rate and good payback period without collateral.

Some State govt are interested in developing SMEs and are providing soft loan through cooperative societies to support various ideas especially in agric ventures.

To this end, those who are facing similar financial constrain may wish to consider this collective fund raising initiative. Though the process of registering and establishing good business relationship with financial institution and govt funding agencies may take a little time but one thing is sure, you will get fund to establish your business in so far as you are sincere, hard working and committed to your business.

10 people are enough to start cooperative society. Members do not have to be in similar line of business but better if all are in common trade. Age, location and your trade( legal business any-ways)are not important if you are interested.

Islam and Christianity forbid usury (lending with interest)This point is vital and am convinced its possible depending on what members agree to. lets start the process. drop your email and line of business, location and general views if you are interested

from experience bros, banks are not interested in customers from small companies. if you are working in Govt office like ministries, big companies with over 50 workers like nigeria breweries, nigeria bottling co, Nestle plc etc. even the small finance house wants to see you earn above 100k montly. just try God by prayer n faith, that works better though it might take time but its sure its working for me. nigeria is so hard to survive even with my C of O, its hard to secure funding.

it will make sense if you provide brief details of previous deals for integrity. cheers

excelsiorfarm: @yugeekay, pls kindly forward the snail details I sent to u to jmksnails@yahoo.com and theopenkoko@yahoo.com,thanks sister I have to go for church service

kindly send to me also. Thanks integrityfood@gmail.com

I am looking for a credible partner/investor to expand my fish farm business. I am a man of integrity and experienced on the job. I have marked for the product.

Excelsious, this tread owner had sent me a farmer who had fishes but wanted buyers, by God's grace, her fishes were not enough for available customers.

My farm is located in Ikorodu, Lagos just in my personal compound of 3 bedroom bungalow with complete title document (c of O). This means that there is physical security of the farm (though security is of God), security of your investment and supervisory & better management.

Anyone willing to partner with me in so far that you are an honest person also, pls call me on 08025669642, 08135044012, or integrityfood@gmail.com.

Many people in this forum (NL) have met me personally like the woman whom we met in the course of selling her fish ( afromart), ararat etc.

@ ODUZ,

Recall that we have an unfinished business. All the times you are either out of lagos or in a meeting. Integrity counts in both finance as well as in a promise made without duress.

your email is returning all my messages. hope we can deal again if you are interested and true to your previous commitment.

With due respect to both parties ( the presidency and the ACN), I wish to observe that the presidency descended low by fixing an appointment for mr President on an important day within the ACN region. ideally, the Gov ought to receive the president at his point of entry. This is true irrespective of party different, ideology or anything for that matter. Then again, the Gov is the host of the ACN convention. ACN convention was of more important than commissioning a factory in my personal rating, hence the presidency should have reschedule its appointment if the ACN had fixed their convention before the hand to accommodate the ACN's event.This is not to excused LAi's and Okupe's tactless and undiplomatic approach in this particular matter.

We must learn to respect the office of the president even if we dislike the occupant for the time being. it is expected of us all to value and respect our leaders, sad that our president may have not done enough to convince us that he cares for us even his party controlled region and his ijaw natives.

Please Govt should not forget Ikorodu - Shagamu road. Lagos and ogun state govt should work out modalities how border town roads will be maintain because these axis are seriously neglected. Congratulation FEC on this one. Pls min of works, ensure fund is made available and the contractors perform.

nigerwide08: @ oduz, Thanks for ur support. I will get to you by thursday.

please inform the house if you receive favour from oduz or anyone else. Wishing you success.

This sound too good to be real then again all things are possible. Pls can you upload the picture of the stuff and the price. Explain how it will help water management and other benefit you mentioned. you may contact me on 08025669642 for one on one talk. am interested if you can prove it to be ok

Thanks for sharing infor on the oven. Pls what type of energy does it use? coal as in charcoal or gas?

Where is your farm in case we want to come for practical inspection and further negotiation for ours?

This pratice is a double standard. The NYSC scheme has over lived its relevance and the woman who is trying to be biased in Ogun state can not try such in the Northern part of the country with the Muslim member. The law of God is more supreme than laws of men and if someone on the accounts of his or her union with God refuses what does not cause harm to his naighbour, then why cause him pain? Let me ask the Ogun state NYSC director one question; if that lady was a daughter of an army genera,your church pastor, a sitting president or top govt functionaries can she do what she did?

pmc01: Type 'Is Goldie dead?' on Google. And you will know how silly this post is.
*just saying*

I did as you said this is what i saw among others

Goldie Harvey's death- Kennis Music releases press stament
misspetitenigeria..com/.../goldie-harveys-death-kennis-music...
2 hours ago – “With a deep sense of loss, we announce the shocking death of our darling music star, Goldie Harvey. Goldie, 31, died on Thursday after she ...

Partnership as the name suggests was meant to augument effort and bridge gap whether financially, skill or connection among others. The main challenge in partnership is INTEGRITY of partners. Its expedience to explain the rules before hand. There instances where a short time deal may work hence if such deal is made for a lasting intention, there is bound to be a problem. Am considering partnership with soomeone but with a brief life span such that as soon as the partner makes. About 100% profit of his investment within 1 to 2 years, then his stake ceases in the venture but if we suffer a loss during early period, he remains till we survive for him to recoup his money. I feel such arrangement may help but let's hear from so I don't make serious policy error. Thanks

I want to say a big sorry for my inability to attend today's meeting> I had earlier obtained permission but event at work change all my plans nd i could not help. pls bear with me and counts me as an interested person.

It seems they are real compare to other who are faceless. pls lay out your conditions if your different from others with draconian conditions

The main challenge is if he has the capital n determination, let him seek expert advise on which ever line of business he is deciding to do. there is no age limit to try a new idea n passion

@ Bibelo:
So sad, 4500 isnt a small amount of feed!!! but since you already got the knowlegde of the market, I feel you should just surrender!!! though your decision after all factors considered. Thanks for the infor. Pls can you drop your number or email at integrityfood@gmail.com for further discussion? pls treat as urgent and important. Thanks 09135044012. Thanks