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Religion / Re: Faith Oyedepo Tells Ladies Not To Dress Like Grandmas While Looking For Husband by Johnson5258: 9:19pm On Sep 11
They should also avoid using face mask as well.
Education / Re: 16-Year-Old Nmesomachi Emerges Winner Of 2022 Teens Essay Competition (Videos) by Johnson5258: 6:23am On Aug 28
More wins, congratulations champion �.

1 Like

Career / Re: Stanbic IBTC Or MTN Nigeria For A Graduate Trainee by Johnson5258: 5:07pm On Mar 04
Business / Re: Giant Dangote Oil Refinery Begins Production In 3rd Quarter by Johnson5258: 9:33pm On Jan 23
Very well noted.


Very unintelligent comment. Even if not saving forex, landing cost, more than 80% of chemicals use in Nigeria industrues would be cater for, employment and so on. Even if Nigeria is doing well, most of you will still annoying.
Business / Re: Giant Dangote Oil Refinery Begins Production In 3rd Quarter by Johnson5258: 9:07pm On Jan 23

Other than the employment opportunities it brings, there's nothing to be thrilled about this refinery. When cement was still being imported, the price was still manageable. In comes Dangote cement with locally sourced materials, prices of cement has since quadrupled if not more. I'm sure that's how it's going to be when this Dangote refinery becomes operational. That N300/L we don't want to spend on fuel at the moment, we might end up spending more than that as I'm sure government won't spend one Kobo to subsidize his fuel. Dangote enters a market and the prices of the commodity automatically inflates. His fuel won't be an exception
Politics / Re: Nigeria Lifts Twitter Ban by Johnson5258: 8:42pm On Jan 12
Happy new year, na Tinubu go first trend..
Health / Re: Strike: Lagos Nurses Walk Out On Commissioners, Others - Premiumtimes by Johnson5258: 8:17pm On Jan 09
Hell fire in mummy G.O's voice grin grin
Romance / Re: Stop Having Casual Sex. See Why (photo) by Johnson5258: 6:46pm On Jan 08
Are you an animal?

Fallacy! undecided

What about animals having casual sex, they will now be “downloading” their numerous partners’ problems angry

1 Like

Family / Re: So I Am Getting A Divorce... How Do I Adjust? by Johnson5258: 9:02am On Jan 08
Wao! I so sorry about that, I know so many things would have been done to salvage it but if you still want him, pray and seek God's face for him, show him more love even if you have to fake it just show love, tell your children to beg him and try to find out why he wants to leave. Get all the pictures and loving memories you've had together, show them to him and politely let him know you still want him.

You may not be fine, it might be difficult to find a person who wants a mother of 3 to start with and there is a whole lot of things that are yet to be unfolded.

Please don't keep quite on it, return the divorce papers to him that you're not interested he should tell you what he want and discuss.

I pray you both don't divorce.

Please pray my sister and God will help you.

You will be fine!

Trust me!

But your kids growing up without a fatherly figure, will forever have a psychological impact on them.

The brunt of divorce is bared by the kids. You and their father will be fine.

Politics / Re: FG Has Procured Six High-Tech Hilux Vehicles To Safeguard Rail Lines - Amaechi by Johnson5258: 6:32am On Jan 07
What else should they have done?


Government of wastefulness.

God forbid this type of government
Celebrities / Re: Portable Zazu Zeh Cries As He Is Given A Range Rover (Pix, Video) by Johnson5258: 7:49am On Jan 01
It's a good one for him, don't be discouraged we all have our special and exclusive features that nobody has celebrated us for but one day God will pick our call as well. Congratulations chief. I no kuku sabi the song.
Sports / Re: 5 Nigerians Who Have Played Under Peseiro by Johnson5258: 9:50pm On Dec 30, 2021
Omo Igbo coach grin grin grin grin
Religion / Re: Muslims Present Jesus' Portrait At Christmas Service In Kaduna (Photo) by Johnson5258: 2:18pm On Dec 26, 2021
They actually deceived us, we are all supposed to live as one. Thank you brothers.
Politics / Re: Shangisa Landlords Responsible For Magodo Take-Over, Not Lagos Govt Or Tinubu by Johnson5258: 8:36pm On Dec 22, 2021
No more land in Lagos state, contact real estate companies like Adron and Co to help you secure a comfortable location close to Lagos, Lagos Ibadan expressway is almost done that would ease up the traffic. We all cannot live in Lagos, it's not by force. This is huge lost.


Politics / Re: Reno Omokri Goes Flyboarding In The Ocean by Johnson5258: 11:37pm On Dec 18, 2021
I don't like rough play.
Education / Re: UNN Zoology Students Afraid To Carry Snakes During Practical Class (Video) by Johnson5258: 7:46am On Dec 08, 2021
Na that day I will leave that department, make me I carry snake?? Kuku kill me.

1 Like

Education / Re: The Owner Of Dowen College Hasn’t Called Me Till Now - Sylvester's Father Speaks by Johnson5258: 12:26pm On Dec 06, 2021
My own child will never attend boarding school �. Ptcheeew.

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Romance / Re: Don't Wanna Lose My Current Relationship by Johnson5258: 12:24pm On Dec 06, 2021
You better don't try rubbish or else na you go loose ooooo
I've been dating my beautiful damsel for over 6 years now (2015), she has been financially supportive to me when things were so rough for me untill now things are a bit balance, since when our relationship kickoff we have never fought for once, we do argue most~times and later in the day we settle it inside our bedroom at night, she's so respectful and honest to both me and my family members.

There's a pretty damsel working in a UBA bank close to my residencial area here in Oniru Lekki, when I do return every~day from my working place I do branch at the bank to save some money in my account, the lady is my favourite cashier so I do give her the money and take my leave, so later in the day she will transfer the money into my account without no delay at all. But yesterday she called me on phone that she wanted us to hang out together (today being sunday) that all bills & expenses on her. I'm seriously confused now.

I still love my current girlfriend and i don't wanna hurt her feeling's, plz help out peers.
Health / Re: COVID-19: Members Of Ramaphosa's Team Evacuated From Abuja by Johnson5258: 5:27pm On Dec 03, 2021
Lol! We are Christian elites not religious. There is no need sweet talking, we take the bull by the horn. Religious folks are not on Nairaland.

I don't know yet but am sure I wouldn't like to spend wherever eternity with a dangerously religious folk like you.
Health / Re: COVID-19: Members Of Ramaphosa's Team Evacuated From Abuja by Johnson5258: 3:46pm On Dec 03, 2021
The dog that will get lost will always ignore the whistle of the hunter. Where will you spend your eternity?

The Online Pastor above me and his penchant for hopping on threads to spread fear, doom, and boom!
Oga, you're the one who's talking Nonsense and Ingredients.
Crime / Re: Lagos Rapid Response Squad Arrest Cable Vandals (Photos) by Johnson5258: 3:43pm On Dec 03, 2021
This ones are still learners, the big guys use truck to pull the cable out of the ground, same was done to my office one of them died in process when the cable bridged in midnight, we learnt they came in police uniform with gun and drove the corpse away. May God save us from ourselves.
Politics / Re: Zainab Habib Kila Accused Of Smuggling Drugs Into Saudi Arabia Now NDLEA Officer by Johnson5258: 7:34am On Nov 20, 2021
Thank God, naso them for slaughter her head. I wish her all the best in her life.....
Religion / Re: Joyous Man Dances Uncontrollably In Church (Photo, Video) by Johnson5258: 11:27am On Oct 31, 2021
His bills has been paid on the cross, don't ask for barrenness like David's wife.
This is what happens when you gat no bills to pay.


Travel / Re: Prospective Corper Survives Ghastly Accident In Kano On His Way To NYSC Camp by Johnson5258: 7:00pm On Oct 23, 2021
Bandit niiii. Lol! Imporsicant
Politics / Re: Osinbajo To Nigerian Youths: You Can’t Make Changes Without Joining Politics by Johnson5258: 5:27am On Oct 21, 2021
Honestly and that's the bitter truth, you can make changes from the opposition. Please be involved.

1 Like

Sports / Re: FIFA Appoints Asisat Oshoala To Technical Advisory Group. by Johnson5258: 8:37pm On Oct 18, 2021
Congratulations ma


Family / Re: If Your Daughter Did This To Your Car, What Would You Do? (Photo) by Johnson5258: 7:08pm On Sep 24, 2021
She will inherit that car, that's her official car. I am even happy seeing it honestly. What's the joy of having a car than having a daughter that loves you? Omo gidi niiii jaaaare.
Nairaland / General / Gold Mine At The Bottom Of Pyramid by Johnson5258: 9:35pm On Sep 17, 2021

I was opportune to chat with some local shop owners on how they finance their business and some opened up to me that they get loans from Microfinance banks while they repay based on the amortization schedule. I went further to ask of the effect of the loan on their business but it was shocking that there wasn’t a meaningful impact on their business because of the repayment arrangement and interest. So, one of them told me she got a loan of #300,000.00 and repaid #380,000.00 which was about #27% of the loan within a period of 6 months and no moratorium. I got shocked and I asked her whether she had savings against the quantity of goods in the shop and then she said she even borrow to make the repayment.
The effect of this facility is not taking these women out of poverty but increasing it because the truth is that they had a little capital they were working with before they got the loan but at the moment but their capital and profit is lost, instead of advancing the reverse is happening to these people.

This issue will continue to linger until it’s been address with a simplified approach which I tag “SLOW AND STEADY PROFIT”.

I can understand that business is for profit making but slow and steady profit will be a win win case for both the financier and the borrower. If a customer at the bottom of pyramid can take that huge amount in quote and still repay it then I suggest the credit arrangement needs to be adjusted to make the customer conveniently repay the facility, grant access to those who do not have the capacity and also to increase the bank customers. These would in turn have the following effect on the society:
1. Poverty alleviation: the effect of these in poverty eradication is that, the low class will be independent by possessing the ability to foot their bills at their own level while the bank gets her own profit. Basically men who are the head of the family have a token for their family but they get choked when their is no support system leading to out of school children, malnutrition, broken homes, prostitution, e.t,c.
2. Job creation: from a different perspective, I discovered that youths are taking over the menial businesses of their parents using innovative approach in doing same business but the truth is that there is transfer of knowledge from their parents to the new generation, knowledge transfer can only be done when there is a conviction of a bright future in it, eventually the bank will be dealing with CEOs but not traders anymore.
3. Slow and steady profit: high interest rate and low repayment tenure is detrimental to effective repayment and the result of this is increase in NPL. Forecasted figures are realistic when there is proper approach even it may increase due to population of the masses, therefore any system that effectively manage the bottom of pyramid is actually the best and will grow drastically. 27% loan for a person living in the bottom of will only send him or her to adject poverty but a low interest and long tenure will help them to increase with time. Credibility of the customer should not be underplayed in the security arrangement, expenditure plan, family backgrounds and some other basis should be considered paramount before granting the facility.
4. Bringing employment to the street: on the actual fact, a child who sees his or her parent flourishing in their business will not think of working for another man, this in the nearest future like I mentioned earlier would raise CEOs from the street, reducing poverty line, increasing the economic growth, reshape mindset and make destinies rise from backward thought.
5. Economic growth: it is unfortunate that 2/3 of people living in the bottom of pyramid rely on the government for everything and never think of how to integrate their lives other than everyday blaming the government and those they feel should help but didn’t. The fact that we are elites then we should be able to help them see what they are not seeing and most of them would eventually blend along which will drastically decimate the population in that pyramid. It will become a parallel roll over creating unforeseen future opportunities for the country beyond the above listed.

The best way forward is forward together and we rise by lifting others, there are still people who believe in this country therefore their hope has to be rejigged and awaken from it’s slumber, honestly the gold mine in this pyramid is more than the above mentioned. There should be a proper harnessing of this article to achieve the best of it.

Johnson O. Adeomi
Published on Friday 17th September, 2021.
All rights reserved.
Nairaland / General / Re: Difference Between 4k and 2k Cinema Projector by Johnson5258: 9:48am On Aug 30, 2021
Alright. Thank you sir.
Hi, in such a case you can buy a new repeater with a huge range of bands, I bought one at https://qvsupplies.com/, a very famous store, many devices and excellent quality, full automatic configuration, without user intervention. DTV, it works for everything 100%, a very high-quality device, I advise everyone.
Properties / Re: Updated Cost Of Renting A 1 Bedroom Apartment In Lagos by Johnson5258: 7:41am On Jul 22, 2021
Please I need someone who is moving out of a 1 bedroom flat in the next 6 to 8 months around Ogudu, Gbagada, Ifako and environment or Ikeja to Egbeda. Please chat me on 08168042207. Thanks. We can discuss the price. Thanks.

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Politics / Re: South-West Leads In Voter Registration, North Takes Back Seat by Johnson5258: 7:49am On Jul 14, 2021
Be responsible, election doesn't happen on the Internet. Personally we all have to take responsibility of our actions than joining the blame game gang, get involved by getting your PVC in your nearest location at which you can vote. Thanks in anticipation.
Politics / Re: Twitter Retweet Button Turns Green (Photo) by Johnson5258: 12:27pm On Jun 12, 2021
Please help, my I can't access twitter with both VPN and IP Address. What are you using?

Mine has always been green.

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