₦airaland Forum

My own child will never attend boarding school �. Ptcheeew.

You better don't try rubbish or else na you go loose ooooo

Jayzel:
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.

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.

AlhajiNatty:
I don't know yet but am sure I wouldn't like to spend wherever eternity with a dangerously religious folk like you.

The dog that will get lost will always ignore the whistle of the hunter. Where will you spend your eternity?

AlhajiNatty:
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.

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.

Thank God, naso them for slaughter her head. I wish her all the best in her life.....

His bills has been paid on the cross, don't ask for barrenness like David's wife.

Treasure17:
This is what happens when you gat no bills to pay.

Bandit niiii. Lol! Imporsicant

xpressionx:
Ban NYSC

Honestly and that's the bitter truth, you can make changes from the opposition. Please be involved.

Congratulations ma

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.

GOLD MINE AT THE BOTTOM OF PYRAMIND

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.

Alright. Thank you sir.

WarmWood4:
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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.

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.

Please help, my I can't access twitter with both VPN and IP Address. What are you using?

Bilabong:
Mine has always been green.

Abeg which VPN you dey use? Even IP Address seff no gree go. Please help oooo

Since we don't have access to Twitter then let's give updates from our respective locations.

Please I need affordable room and parlour self contain around Ogudu, Anthony and Gbagada. 08168042207 WhatsApp.

Please I need room and parlour self contain around Gbagada, Anthony and Ogudu. My budget is 180k to 250k. 08168042207. Call and WhatsApp.

Is this still available? 08168042207 call and WhatsApp

Columba90:
A room and a parlor, self contained. Bariga. 150k/yr. Not far from the bridge head of 3rd Mainland Bridge, d4 proximal to Island n VI

How much for the subsequent years?

08168042207 call and WhatsApp

Columba90:
Minflat @ New Garage Gbagada. 350k total package.

Lol! Your mouth will not kill you.

MyPoint:
But Op I am suprise you still watch NTA. Has your subscription expired?

Jesus christ. This is serious.

I tweeted that "the Nigerian youths are oblivious to the politics of Nigeria" I don'thave issues with Seyi Makinde ooo but I charge everyone to be involved in politics, it will be a parallel roll over.

PissfulProtester:
No mind all these small boys

Everyone should know that in as much as you don't own a business then you have a time limit. I hope to get to the top of my career too. Congratulations sirs.

BOI keee, just like that? Don't let them scam you ooooo

The head of an elephant � is not what a child can carry alone. Atari ajanaku kiii se eru omode.

Tinubu has been preparing for 2023 since when he was a governor, himself and his guys are capable of funding his election, forget it.

CHHng:
Wetin e dey point again?

Is this his own major project? Hope he can see it through no matter the stealing wey go happen on top am including side funding for tinubu's 2023 bid

Funny

Rightly said, you might have to consider the figures of students seeking admission, we need more standard Universities in order to break the high price of private universities school fees and for competition sake. Nigerians are education lovers forget it. More direct employment and so on..

Raxxye:
We have got more than the required number of universities in this country already. I wish the owners of these private universities channeled their resources into building factories and/or agricultural ventures. No be book we go chop o!

We just started, when you hijacked Obaseki and Bayelsa you were feeling on top on the world. It will shock you. Go ahead with party members revalidation and let's see who is topping the game.