Graduate students in Nigeria who are seeking scholarship for Masters degree have numerous opportunities available for them both locally and internationally. Scholarship for Master's degree in Nigeria and abroad are funded by Governmental bodies, NGOs, private organizations, etc. The scholarship schemes are meant to support various qualified and suitable graduates who want to obtain Master's degree.

A comprehensive list that provides the necessary information on the Top 5 Masters Scholarship for Graduate Studies in Nigeria both locally and internationally is presented in this article.


Advantages of Scholarship to Students

Scholarship is a means of granting financial aid to students, and it doesn't require one to make repayment as they are rendered based on merit for a recognized achievement, and these are the benefits:

1. Monetary Aid
There are cases of students or graduates with debt, and this makes it hard for them to settle their tuition fee. As a result of this, some students have to reduce the hours they have with their school work or education to carry-out per-time jobs to enable them to afford their educational expenses and cost of living. Along the way, some of these students end up dropping out of school due to the inability to further as a student of various disciplines and degrees.
The monetary aid is beneficial to graduates and students with intentions of pursuing their goals to a higher level, Scholarship provides them a more direct and focused vision on their chosen career without fear of repaying student loans or tuition fees. For Master's degree students, it terminates financial barriers and gives access to furthering education and also creating an easier life.

2. Academic Assistance
This reduces monetary concerns in obtaining the desired degree. Academic assistance is a great way of increasing and promoting higher chances of furthering ones education or postgraduate programs. An Individual on scholarship obtaining assistance as regarding his or her academics will have more time to learn and study for them to obtain good grades.

3. Increased Employability
An Individual who must have obtained scholarship is liable to become more employable when in contact or faced with job opportunities. This is because some employers know how competitive it is to be awarded scholarship, and it is a an achievement for the individual which further shows his or her capabilities. Scholarship can make an individual exceptional when job searching, and also offer that desired career you have always envisioned.

4. Individual Benefit

The scholarship provides and gives an upper hand to you personally. It allows you have control or take charge of your activities, and this means you are able to schedule most of your activities at your convenience. For a person who is smart and intelligent can use it effectively and gain an edge over others by acquiring the needed skills or value that will ensure their goals and aspirations.

---

A comprehensive list that provides the necessary information on the Top 5 to 20 Masters Scholarship for Graduate Studies in Nigeria both locally and internationally is presented in this article.


1. AGIP Postgraduate Scholarship
This scholarship is for Nigerian students with a desire to further and obtain a Master's degree in Nigeria or abroad. The scholarship covers tuition fees, books, accommodation, trip expenses for the one-year course of study. It is compulsory that applicants fulfill all the necessary requirements.
2. Chevening Scholarship
The Scholarship is in association with the United Kingdom Government. Chevening scholarship is funded by the Foreign and Commonwealth Office (FCO) to support students in UK universities. It is for a period of one year, and it covers the duration for a Master's degree.
3. Commonwealth Scholarship Commission
This organization grants Scholarships to eligible applicants to study for their Master's program in any institution of their choice. There are also requirements that each candidate must provide and fulfill to ensure a successful application. If you are able to obtain those criteria, then, you will be considered eligible for the scholarship.
4. Federal Government Scholarship Board
The Federal Ministry of Education in Nigeria offers a Bilateral Education Agreement (BEA) scholarship to be awarded to qualified students in Nigeria to further their education for their Master's level. Therefore, graduate students don't have to bother about their tuition fee.
5. FINCAD Women in Finance Scholarship
The Scholarship is open to Females from all countries including Nigeria to enroll in a post-graduate program at an accredited university. It is meant to encourage women in the field of Finance. There is no age limitation as women of adult age-grade can apply as long as they are qualified and suitable candidates with the interest in pursuing their education to master’s level.

Source : https://ccnworldtech.com/top-20-masters-scholarship-for-graduate-studies-in-nigeria/

YES, THERE ARE!

Have you been looking for ways to get loans in order to solve your urgent financial needs, but it seems the monetary value needed to eliminate it is scarce? There are times we turn to relatives, family members, and close friends for help but we are faced with either complaints, negative responses, or something that's not able to fix the exact demand. The next idea that comes to your mind is obtaining loan from banks, but the numerous paperwork and procedures that take too much time are overwhelming and frustrating.

Top 5 Loan Apps in Nigeria
These loan apps are reliable when it comes to fast loans, and effective customer relationships. These apps have provided financial needs to numerous individuals even in emergency situations, and you can make your choice on the one that suits your preference after reading through the various loan apps in Nigeria.

1. Aella Credit
Aella Credit is a trustworthy loan app that gives access to very fast Loans. They have good customer relation, and their customer service is very effective. Assistance is rendered to individuals with complaints or enquires whenever they are necessary. It requires for one to sign up and provide the necessary information needed to obtain the loan, and this gives access to loans irrespective of your location.


2. Branch
Branch loan app is among the top loan apps in Nigeria, it is also operated in other countries and gives accessibility to users at any location either at home, office, or public organizations, etc. After the necessary procedures are taken to sign up the individual who is interested in the loan, the money is sent to the individual through his or her bank account.
It is a reliable loan app with efficient accessibility to loans when it is needed for either business or personal purposes. Branch gives the opportunity to make applications for loans that are as low as a thousand naira, and as high as two hundred thousand naira from the loan app with no huge interest being placed when making payment of the money loaned.

3. Carbon (Paylater App)
This loan app called Carbon is among the numerous loan apps in Nigeria, it is one of the recognized apps to solve your fianacial issues. For lots of people who borrow money, this Carbon was initially called paylater app when it was established. This gives loans to people regardless of their job or work status. It doesn't matter if you are a worker, student, employed, unemployed, salary earner, or entrepreneur, you can seek a loan with this app whenever you have urgent financial needs.

4. CreditVille
This app is useful to mostly business and monthly earners in Nigeria. These group of people are always faced with financial challenges that will require them to borrow money. Creditville is capable of offering loan ranging from 100,000 to 4,000,000 naira. The good thing about this loan app is one can borrow money without using any form of collateral. It is expected for the borrower to pay back the loan within 1 months.

5. Fair Money
The Fair money loan app is popularly due to its efficiency in obtaining loans. The services offered by this loan app is very effective and has no stress. You can apply online for loans at any amount higher than 100,000 naira with no need for paperwork or collateral. Its repayment policy is vast giving options for convenient repayment, there's a great advantage for individuals who pay back loans early, because they are going to have opportunity to get higher loans. Other bills can also be made through this loan app with discounts when you buy airtime from the app in Nigeria.

You can find a comprehensive top 20 list of all the loan apps in Nigeria Here:

https://ccnworldtech.com/free-loan-apps-in-nigeria/

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If hacking people hard earned money is your calling and you’ve been wondering  and surfing the web on tips and tricks relating to how possible it is to hack into any bank account and access people’s funds, then this post is targeted to address your questions and as well throw more light to your quest for knowledge.

There are quite a number of ways bank account are being hacked in Nigeria, we will be considering the top 5 methods hackers use to exploit bank accounts in Nigeria.

How To Hack Bank Account In Nigeria

Mobile Banking Trojans

Phishing Method

Keylogging Method

Bank Message Method

Sim swapping Method

1.Mobile Banking Trojans.

How to hack a bank account using Mobile Banking Trojans.

Until recently, having access to your bank account balance via mobile phones was a mirage. However the advent of Information technology (IT) has transform the global space and most especially the banking sector. Everyone can easily access their bank account statement and account balance without stress directly from the comfort of their homes.


Additionally, the availability of such unprecedented mobile and internet banking services using your  android phone has not come into existence without certain demerits. People now use bank apps for checking their account details and other related transactions; this however has created more vulnerability for attacks by fraudsters who uses  malware and certain viruses to perpetrate their heinous acts/crimes


This  scammers or hackers integrates the use of Trojans in the following ways: They create a replica of your Bank app and uploads it to third party sites for easy download. Unknowingly, you decided to download such app and you eventually enter your  appropriate online banking user name and password into it, and your case ends here.


The fake bank app will send the details to the hacker who will then mastermind the operation and sweep your bank account clean. They hijack app, these are just ordinary Trojan app on their own, not banking app.



When you download and install them, they will start scanning for banking app on your phone, when it detects a banking app, the malware quickly puts up a window that looks identical to the app you just booted, if this is done smoothly, the user won’t notice any swap and will enter his/her login details, which the app will send to the malware author.



How To Prevent Mobile Banking Trojans

When downloading any banking apps from the app store, keep an eye on the amount of downloads it has, if it has a very low amount of downloads and little to no reviews, then you should be rest assured that something is not right with such application. An official app for a very popular bank with a low download count it’s likely dangerous and a fake app. Alternatively, you can walk majestically into your bank and request for the appropriate app.

2. Phishing Method



Phishing simply involves creating a dummy website, like a clone of a popular website such as Facebook or a shopping site like Jumia. In this method, the hacker creates a website, typically an E-commerce Website, since he hopes to collect bank details. Then promotes the website through social media to get users. He might even reduce the price of the items in the shopping cart to get people to purchase. During the payment, the transaction is not secure, thus leading to the site administrator having access to the raw card details through the backend of the website.

The hacker collects as many card details as possible. The details to collect is the card number, name expiring date, and the Security code. The hacker then uses the card details he has collected to make purchases online through the person's account. Some Nigerian banks have a 2 step authentication process where they send an OTP to the registered number to verify the transaction. In this case, the card is not useful to the attacker. However, if you use the card to buy stuff from sites outside Nigeria (ie payment in foreign Currencies), it bypasses the OTP authentication.

Tools needed to achieve this.

Laptop with an internet connection
A website or a web developer as the case may be
Domain name and web hosting plan

To discover 3 more in depth Methods of hacking a bank click here

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A handful of research efforts have shown that in order to fast-track the improvement of healthcare delivery through removal of access barriers, there is the need for telehealth systems to incorporate vital tools such as telemedicine, health informatics and tele-education.

While advanced countries are zeroing in on the use of telemedicine to promote their healthcare sectors, Africa is seemingly progressing at a slow pace with Nigeria and Burkina Faso lacking support from their respective governments. Although South Africa and Ethiopia have progressed in the practice of telemedicine, most African countries are yet to record any significant progress due to their grapples with insufficiency of ICT infrastructure.

This article sheds light on the observable reasons why Nigeria has not progressed in telemedicine. It therefore argues that that the country has not demonstrated enough readiness to embrace telehealth systems.


The Syndrome of Poor Internet

There are hundreds of Nigerian communities with excessively poor Internet access and this alone is a significant deterrent to the practice and growth of telemedicine in Nigeria. For effective practice of telemedicine, both healthcare institutions and patient populations need reliable Internet access.

While some urban-based healthcare centres in Nigeria do not adopt telehealth systems for certain reasons, many rural communities lack access to reliable Internet connectivity. Therefore, people in such communities barely stand the chance to enjoy online-based medical communication from remote health specialists.

Failure to Synchronize Education with Telemedicine

Nigeria is yet to show any serious readiness to appreciate telemedicine through education. Undeniably, many Nigerians are yet to value the benefits they can derive from remote access to medical needs. People in Nigeria are barely educated about what telemedicine stands for.

The United States and several other advanced countries continually champion the need for development through the adoption of telehealth systems. Constantly, the United States is encouraging healthcare facilities inclusive of hospitals and clinics to adopt improved modes of communication in reaching patients in remote locations. Rather than establishing unnecessary physical contact with patients, doctors, physicians and clinicians are realizing the need to communicate with patients via videoconferencing.

However in Nigeria, most people (including many caregivers) have little to no educational appreciation of what telemedicine is. With many Nigerian healthcare institutions not adopting telehealth systems, it is quite difficult for their patients to realize the need for telemedicine.

Low Affordability of Telemedicine

Poor education and failure of healthcare institutions to adopt telehealth systems constitute the reasons for low usage of telemedicine in urban areas despite that many Nigerians in these areas can afford the cost of a telecommunication medium such as videoconferencing.

Comparatively, rural communities grapple with the inability to afford telemedicine because most residents cannot bear the cost of smartphones and other gadgets required for the practice of telemedicine. Additionally, healthcare givers in such communities have little to no understanding of telemedicine.

Conclusion

The utilization of telehealth systems is undeniably essential for the removal of barriers to healthcare access. As a plus, such systems reduce the expenditure on healthcare while still favouring the delivery of quality care to patients.

However, Nigeria doesn’t seem to have joined the bandwagon of countries with healthy growth of telemedicine. While blame for this failure is partly on the Nigerian government, health institutions in Nigeria also have the responsibility of embracing the use of telehealth systems.

SOURCE: https://techcrude.com/best-ict-solution-companies-in-nigeria-in-2020

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Is it Coronavirus or COVID-19? You probably have heard of the new coronavirus disease currently ravaging the world. You have also heard of the term COVID-19 a lot this same season and on the same context. If you have not heard of them, then you probably just crawled out of a cave, and it's advisable you crawl back to where you are coming from as it's currently not safe out here.

Now, what is coronavirus? And what is COVID-19? Is it really the Coronavirus that is ravaging the world or the COVID-19?

Is there really any difference between the coronavirus and the COVID-19? Should we continue using both interchangeably like most writers have been doing this season?

This article discusses the two most popular words in the world right now, and highlight the differences (if any) between them.

What is CoronaVirus?

Coronavirus refers to group of viruses that are known to cause respiratory issues. So even though many are referring to the illness circling around right now as “coronavirus,” that’s not actually the name of the disease. Coronavirus is simply the organism that causes the disease, not the disease itself.

The symptoms of infections caused by coronaviruses can range from being mild ― like the common cold ― to more serious symptoms that can lead to hospitalization, like lung problems.

Some examples of previous coronaviruses include Severe Acute Respiratory Syndrome (SARS) and Middle East Respiratory Syndrome (MERS).

What is the COVID-19?

COVID-19 stands for Coronavirus Disease 2019, which describes the coronavirus disease outbreak which was first recorded in Wuhan, China in November 2019. It is the current pandemic ravaging most of the planet, and it's actually the right word for the disease many just identify as coronavirus.

COVID-19 can lead to major health problems like pneumonia and organ failure, and it can also cause issues like shortness of breath and fever. People who are at the highest risk for severe complications from COVID-19 are those who are over the age of 65, anyone who may be immunocompromised -- like persons living with HIV, and those with chronic medical conditions like heart disease, diabetes and lung disease.

COVID-19 is mainly spread person to person, likely through respiratory droplets when someone coughs or sneezes. Transmission can happen when people are in close contact with one another, usually up to about six feet. COVID-19 can also live on metal, wood, or plastic surfaces for days.

Differentiating Between the Coronavirus and Covid-19

You can get full details here :

https://techcrude.com/coronavirus-or-covid-19-is-there-really-any-difference

The Coronavirus (COVID-19) outbreak has caused numerous changes in human behavior, companies, businesses, schools as well as the internet. Some of these changes are mostly negative as the virus is encouraging people to stay at home, companies to work from home and many others.

Internet has been the major source of enlightenment to people since the outbreak of the COVID-19 up till this moment. While people are asked world-wide to stay at home and be   save from the virus infection, they can still access news portals, get in touch with friends, buy things and have access to other benefits that the internet has to offer. In the mist of all these changes, the COVID-19 will change the global internet atmosphere for good in the following ways;

Image source: Pixabay
E-Learning

As the world is fighting COVID-19 outbreak, more than 130 countries have closed schools nationwide. About 80% of students world-wide have resulted to e-learning.  That means hundreds of millions of students are using this medium to complete their studies even from the comfort of their homes. People have even  started to observe that online learning is as effective as normal schooling. A you can see, e-learning is one of the good changes that covid-19 has on technology and the global inter

net atmosphere by extension because even after this pandemic, people will continue to study or learn online as it would have become a part of them.

Banking, Shopping And Bills

Before the outbreak of COVID-19 the internet has been providing access to bank accounts by allowing people to view their balances, make transactions, send money, pay bills and others. Due to the lock down currently observed in many countries globally, the internet will give people the ability to find different products they wish to purchase and buy them without having to visit the stores.

It will also provide easy access to people to be able to compare prices between sellers and even have a first-hand view of what other people think about the product through online reviews which will help them in making better choices. This is another positive and good change that the COVID-19 will have on the global internet atmosphere and from now onwards, people will get used to banking online, paying bills online and shopping online that they will no longer need to unnecessarily live their homes on the quest to get things done at all times.

Work From Home And Access To A Global Work Force

The internet is the perfect place that allows people to work with others from around the world with instant communication. The internet can also make producing new products and services faster without the people involved getting physically in contact with one another.

As a result of the COVID-19 outbreak, a simple internet connection can provide people with the ability to work from home using their computers.You can even start Making Money through Blogging.


This will help employers to look for employees online from across the globe and save them from getting affected by the disease as they will all be working from the house. It will also help to save money at the long run.

Donations And Funding

The internet has access to a wider audience, with an internet connection, people can easily donate funds to help find a cure for the virus or get some necessities that are very vital for people who cannot afford them and the sick. The internet at this critically period is the only place people can find online services that can make it easy to help donate or support the course to finding a cure for the  virus.

Entertainment 

The internet gives everyone access to a wide variety of entertainment which includes watching videos, movies, listening to music, and playing games online. This period of isolation is the best time people can fully use their internet connections to get lots of entertainments for themselves and the good news is that this will in turn be another positive or good change the internet atmosphere will get because even after the lock down people are eventually going to continue getting entertained in numbers from the internet.

Conclusion

The above mentioned and many more are the various ways  COVID-19 will change global internet atmosphere for good. I must also add that there is presently no established cure for the virus and therefore people should stay home to continue to stay safe.

While you are home, you can get busy by learning online, working and even shopping. Thanks to the internet, these acts cannot in anyway get you infected by the virus.

SOURCE: https://techcrude.com/top-ways-covid-19-will-change-the-global-internet-atmosphere-for-good

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Honestly, technology blogs are easy to start in Nigeria. One good thing about blogging in general is that it is relatively easy and cheap to start a blog. You can own a blog for free on Blogger.com and start publishing online. Blogs are a good source of getting vital information, trending news and tutorials on how to do stuff. Blogging also serve as a means to connect to your customers if you're a business owner.

The down side to blogging is that people go the extra mile to fake a news and mislead their readers for the purpose of driving fast traffic to their website. This has resulted in a lot of people losing trust in most blog.

This is just Techcrude's list and might differ according to other people's opinions. Without further ado, let's jump right into the list in no particular order.

Top 10 Technology Blogs in Nigeria
Techpoint Africa (https://techpoint.africa)
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Africa stands within the frontline of leading tech blogs in Nigeria. They are committed to making sure that startups are ready to stand on their own and lead a successful career. Techpoint is also focused on helping entrepreneurs succeed. They take the lead when it involves innovation and technology in Africa.



TechCabal (https://techcabal.com)
TechCabal may be a subsidiary of the large Cabal Media brand. It was founded in 2013 and has since proved its mettle with contemporaries as a hotshot when it involves technology. You’ll find premium tech content at TechCabal that’s not just addressing important tech arguments but also taking a peek at the longer term. Frankly, our list of technology blogs in Nigeria wouldn't have been complete without the inclusion of Techcabal.



Technext.ng (https://technext.ng)
Technext.ng is the one-stop blog for Nigerians and indeed Africans to stay updated on the newest happenings within the world of technology also as groundbreaking innovations and frontiers around Africa. If you like to stay on top of what’s new in science and technology then this is your place. They also perform reviews on tech gadgets and makes.



NaijaTechGuide (https://www.naijatechguide.com)


This is one among the foremost prominent tech blogs in Nigeria that gives tech solutions to the myriad of problems users face a day, perform reviews on mobile brands, dishes out no-brainer tricks and tips that create tech tons easier and keeps the Nigerian E-community updated on latest tech trends and gists.

5. TechEconomy.ng (https://techeconomy.ng)
TechEconomy is one of the tech blogs in Nigeria that focuses on the latest tech news, as well as business, finance, economy, and telecoms. They combine technology as well as Nigerian economy news updates. They also unbox and review the latest tech gadgets.



TechCity (https://www.techcityng.com)
TechCityis the home of tech news, news, tech reviews and an area where you'll learn tons with their “how-to” articles dedicated to teaching people how to do things themselves when it involves the web, social media, YouTube and lots of more. It’s a place to broaden your tech horizon.



Ogbonge Blog (https://www.ogbongeblog.com)
Ogbonge Blog can be considered one of the pioneer tech blogs in Nigeria and has been around for many years now. The blog focuses on providing solutions to tech problems, supplying digital marketing tips, blogging tips and top ways of creating money online. They help startups with publicity through adverts.



Disrupt Africa (http://disrupt-africa.com)
Disrupt Africa is one of the foremost prodigious tech blogs in Africa that's centered on tech startups and investment. They cover tech news, trends, hubs and events within the entire African continent. They pride themselves because the favorite startup hub in Africa has a lot to supply.



Phone Corridor (https://www.phonecorridor.com)
At Phone Corridor, your guess is so right. It’s all about mobile phones and everything that borders around the said phones like apps and games for it. They are specialists when it involves reviewing phones and recommending the simplest phones for a specific price. They also give free tutorials on phone issues.



TechCrude (https://techcrude.com)
TechCrude is obviously one of the top technology blogs in Nigeria and currently provides trending articles and news in technology, exchange, and telecoms. With the increasing demand for quality tech reviews and products analysis, techcrude delivers undiluted and highly concentrated reviews on mobile phones, computers, and other gadgets. They also have articles for startups and SMEs.

Do you have other top tech blogs not in this list? drop it below for inclusion

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