₦airaland Forum

Even after death, the fangs can still kill you if you touch it. Very deadly snake. Gaboon viper. It's poison can dry up a tree.

'I heard you got a new girl friend,,, and it's hurting meeeeeeeee", Quite prophetic song by Steflon Don. Fire bursts now.

I read in a place that:

He lost his mother in 2020
He lost his mother in-law in 2020
He lost media aid in 2020
He lost his residence to hoodlums who hijacked the #EndSars protest in 2020
He lost his wife to accident in 2020 -
Only one person in one year?

May God deliver and have mercy on this man in Jesus name.

uchaymart:
His surname tho... *IKWULONO* Meaning, "death is inevitable"

RIP sir, may God grant your soul eternal rest.

You are not exactly correct please. It means death has anguish, or unleashes anger.

DarkwebMaster:
Wonderful!
Clap for yourself, when it sounds cheap... It is scam. When it is too expensive. It is Real... Low mentality will not take you anywhere... Read through the post once more. Stop going about using your data to troll other hardworking people. You might get yourself into trouble some day

How does it sound cheap, when the price from Cotonou is #1.5m, 2007 model

Powersurge:
Waoh! Explicit! I am very grateful for your input. My business is registered (awaiting my certificate). Also I gave someone some money to be doing the business since 2018. She is not doing bad. But it was a micro scale. And part time basis. Both she and I are busy. I don't know if I should reference this in my application. I will be starting the training with SMEDAN Monday.

This year, I planned to take the business up. Hence the reason for seeking loan. We have done market research in two states and 3 major markets. And being a data analyst by profession and currently working as a sales Analyst in a major FMCG conglomerate, it's was easy for me to analyse the market research.

Based on the research, I cut potential sales by more than half. And putting into consideration the fact that we are new in the market. Yet we still have over 4 ROI. This is giving me concerns. because the lenders might see the project as being too optimistic. What do you suggest? And after the financial analysis, if we are able to do 30% of our projection (which had been reduced more than half), we will still be on the green side. Very green side.

OK.! Your experience counts, optimissm is essential in Business Plans., and based on this I think your background puts you in alpha position to defend your loan when the stage is set. However, i emphasize that you must tailor your loan to a value chain development business, not essentially a fast moving consumer product per se, that is what NIRSAL champions please. All the best.

Powersurge:
I just registered for this. I heard it's now dragging. Some people say they have being on it for about 1 year. Others say only about 1% get approval. Please have u gotten to a critical stage yet or have u been paid?

Did u contact the training center or they contact u. What are they looking at in the business plan?

Yes, the dragging is because of delayed processing and Naija issues. Also so many pple have been trained and more are applying daily. So far so good, but a lot of rumours are on anyway. It could be selective anyway based on the quality of your Business plan and the attractiveness of same to Nirsal. Don't believe all the side talks and face what you want. I'm still awaiting my interview and confident that I would be invited soon. A friend of mine got his invitation on Monday, and he applied about the same time with me in June this year.

Powersurge:
Bro you seems to have some knowledge about this. I need guide. I am new applicant. Do i contact the training institutes or they will contact me? What are they looking for in the business plan? What are the chances of a new venture getting the loan? because it seems CBN's body language is leaning towards existing ventures.

PROCESS
Step 1: Get Trained
It is mandatory for all applicants to attend training with a CBN certified Entrepreneurship Development Institute (EDI), they have centers spread across the country.
Look for an accredited EDI around your location and get trained. The Certificate from the training is your target, because without it, you are not qualified to apply.
The Business plan will be part of the training from the EDI, some centres help write the Business plan for applicants at a fee. The Biz plan is all about your business you are into, with Executive summary, Introduction, coy organization, Techical analysis, Market Research and Analysis, Financial projections (P & L, Cash flow, Balance sheet), you can read more about this online.
The Biz plan would have to be uploaded to the NIRSAL online site
Step 2: Apply For Loan
The Entrepreneurship Development Institute (EDI) will guides and assists you in applying for the loan by getting all necessary documents required for the processing of the loan



Step 3: Receive Funds
The Loan fund is paid into the account of beneficiaries. While unqualified candidates are given feedback.

Step 4: Get Business Support Services
The Entrepreneurship Development Institute (EDI) will assist you to implement the business plan drawn and also provide business support services commercially.

Step 5: Make Sales
You sell your products and services to pay back loans and make profit, beneficiaries are expected to run the business by keeping proper records, monitor sales, and expenses to maximize profit and pay back the loan.

The chances are very bright, even if it's a new venture, but it must be registered. Even without any history, you are good to go. Many pple have been given since May when I learn't of it. But your business should be one that has a value chain development in it. I'm an applicant, and awaiting my interview. Another requirement is that you will have to open a personal current account with a Nirsal Microfinance Bank nearest to you.

Humbly submitted.

Good luck.

Are you in Abuja?

=N=50,000 inclusive of waybill and the phone container pack, No 4 parakou street, Wuse 2, Abuja.

Lexusgs430:
Read responses from this thread, so i am not seen to be biased......

I will do, my motivation won't be wrong. I'm tired of Tecno and infinix, that's why my questions to try another brand. Thanks for the responses.

Lexusgs430:
I sent the Umidigi Pro, back to China..... Then upgraded to Umidigi Z1 Pro.........

Get the Umidigi A7 Pro or Umidigi F1........

Ok then. How do you rate the performance of the brand generally, and hope it's better than tecno and infinix. Thank you

Lexusgs430:
Your mates dey real football field.........

Hello brother, I'm new on the thread and I just read your enthusiasm on Umidigi at the beginning of this thread which later was a great disappointment. I really love the design of the phone, but I have a low budget of #50k. Based on your findings which one would you suggest for me or what other types of phone outside tecno and infinix. What was the eventual outcome of the Umidigi pro you returned. Is the phone not available in Nigeria? I will appreciate your feedback please. Thank you sir

Ade4all080:
Yes it is mandatory you pay @10,000 for the after whish you'll another #5,000 online for the soft Biz plan.
I prepared my Biz plan after my training, but you can prepare yours before your training mind you they'll train you on how to write a good Biz plan doing your training

Yes, you are correct. I'm done with the training and collected my certificate of training yesterday. I'm currently doing my business plan myself. The business plan writing was integral part of the course as you said. Thanks for the feedback.

ayummy:
. Okay noted.. I am in this alone.. No share holder.. So I put business type as PRIVATE. and my details in Promoter and Director spaces ..

That's ok. The option would have been sole trader or sole proprietorship, rather than the limited liability which I explained earlier. You are fine with that please.

ayummy:
. Please while filling the form, there is a place for PROMOTER'S DETAILS and another place for DIRECTOR'S DETAILS.. what am I suppose to fill in those spaces.. My personal details?

Promoters may be your relatives that support your business idea, just their names. Director's details is your name and those who subscribe in your memorandum and articles of association as directors that hold shares in the company. However it's possible that both the promoters and the directors maybe the same.

waleyp:
Ok Thats Good

Thanks. Let's keep in touch and may God make our application successful and bless the work we will do with it.

waleyp:
That's very correct. Where are you located and what business are you venturing on? You can do the business plan yourself but its better to give those who can handle it for you. Since they can do it for you for 10k that's sounds good then. Have you been given form to fill tho

I'm considering giving them the opportunity to do the business plan and the business is Agricultural merchandise. Though I can write it myself The form was filled on behalf of me based on the information supplied by me.

waleyp:
pls i will need you to find out more, maybe the covid-19 loan is different from the one im talking to you about.... try get to nirsal and get informed

Yes you are right about that. However it's just a variant of the intervention funds from the CBN, and usually the concepts are the same, few changes are noticeable. I started the training today with online zoom cloud meeting app, with whatsApp used to register me for the Covid-19 factor loan called AGSMEIS. It's a 7 year tenor, 5% int rate till 2021 March when it will become 9% all inclusive rate. My training continues next week. There will be a business plan to be done by self or by the trainers with a #10k cost. Which will be uploaded to the CBN NIRSAL AGSMEIS site And so on before you are invited for the interview proper.

waleyp:
It's okay I understand you, and it's good you taking steps, the 10k is for the training right? Have you contacted the training centre to know when there next training will hold? You need to keep contacting them because most training centres always do training once a month so you wouldn't waste this month. I am in ibadan oyo state. Please when you get to the training centre they will talk better about the business plan if you need it or not, I don't want to give false info and I don't other people to hit back at me for doing so. I didn't do the covid-19 cbn loan, I did the other one still under cbn and nirsal so the processes might be different. You will get much info at the centre but make sure you know there training dates, you will still pay 10k for the loan account but that can be later when your loan has been approved. I think I tried small

This is detailed enough. Thank you so much for time. God bless you. I will keep you posted with developments as they come.

waleyp:
yes you will be told to pay 10k for the training.the training might be for a whole week. and i think you will have to do a business plan online which might be another 5k, there is another thing to do after that. but its step by step

Alright. I just paid for the #10k now. Are you around Abuja? Hopefully my training will be next week beginning from Monday. As per the online Business plan, I think I should be able to do that myself so that I won't be charged another #5k again. What do you think? What is the status of your application and approval? Thanks. Appreciated for your feedback.

Ade4all080:
Pls do not expect a call or text from any of the training center because they'll not do so...
While filling the form, when you click on the centre close to you you will see a/some phone number to call, do call them for there next training schedule, that exactly what I did and I've been trained.

Hello, please did you pay any registration fees for the training? Somebody told me to prepare with #10, 000 and I was wondering if confirmed by the CBN. And when did you prepare your Business plan?

oluwaseunla:
Ask around in your location for a technician with a scanner. An 07-10 VW will likely throw a code that will give you an idea of what you are dealing with. About the costs, simply ask the technician before he starts.

Many thanks to you for the advice. Okay I will check up. Other people here felt indifferent to my challenges and cared less for my frustrations but only you. God bless you sir.

oluwaseunla:
Have you scanned this car? Don't think Siena is around anymore.

Ok, I don't even know about the scanning process and afraid of the cost. I was thinking I would read of similar issues or somebody with the same problem.

Jonwesley:
What a great idea. I'm just knowing this here.
Please help me out.

My car is as follows :
01) Volkswagen
02) Golf 4
03) 1.6 Ltr
04) Manual
05) 2007/2010. I'm not sure of the exact year
06) Euro.

Car starts normally first hand in the morning. Drive it maybe 5 minutes or so and then like you stopped to buy something on the road side. To start it, it would take a while up to 10 - 15 minutes to start normally again.
It starts, engine cranks, fires it, but it stalls. Sometimes if I fire it and drive it, it's like it jerks with revolving sound, and stalls, at times the Rev meter does not move immediately. It is always difficult for me and killed my last battery. I'm afraid it's going to do so again.
Kindly find away to help me please with solution or what could be wrong.
Thank you.

Oga Sienna, why the sudden quietness on my post. I'm sorry, not even a reply. Am I so unlucky? Anyone in the house to help me. Sienna's email address please....

Hello all!

I'm dedicating this thread to owners of Audi and Volkswagen models. There would appear to be a gap in the Nigerian Auto Industry, with regards to correct repair, diagnosis, service and general maintenance of these cars. I would like to try addressing these issues, as much as I can remotely, from a distance. I don't promise to always get it right, I can but try. Of course, the more details you give, the better.

Please use the format as shown below:

01) Make.
02) Model.
03) Engine size.
04) Transmission type.
05) Model year.
06) Spec (Euro or US).
07) Drive configuration.

As an example, here is how my details will be posted:

01) Audi.
02) S8.
03) 4,2L V8 32V.
04 5-Speed Tiptronic.
05) 2002.
06) Euro
07) Permanent AWD.

Then give as much detail as possible with regards the issues, if any. Examples shown below:

01) Car difficult to start when hot.
02) Car difficult to start when cold.
03) Car does not start at all (engine cranks, but doesn't fire).
04) Car does not start at all (engine does not crank at all).
05) Car starts, but doesn't idle (needs constant gas pedal pressed).
06) Car starts and runs, but jerks in motion, fuel consumption seems higher than normal.
07) Car starts and runs, but jerks in motion, fuel consumption appears normal.
08) Car doesn't start after long drive, but will start as normal after cooling for over an hour and above.
09) Car starts and drives as normal, but becomes sluggish and jerky once warm.
10) Engine has knock and rattle, gets worse under load (driving).
11) Engine has knock and rattle at idle, less under load (driving).
12) Engine died whilst driving. Noise before it stopped, does not sound normal cranking, or doesn't crank at all.
13) Engine idles lumpy (misfire evident).
14) Check Engine Light illuminated.
15) Fuel consumption has increased,  car appears to run and drive as normal.
16) Coolant level keeps dropping, no over heating.
17) Coolant level keeps dropping, engine overheating.
18) Coolant level normal, engine overheating.
19) Black smoke from exhaust.
20) Blue smoke from exhaust, engine performance appears normal.
21) Blue smoke from exhaust, marked drop in engine performance.
22) Grey smoke (steam) from exhaust.
23) Oil in coolant reservoir.
24) Coolant / water (sludge) in oil, evident on dipstick and inside of oil filler cap.
25) Auto transmission doesn't change gear, stays in one gear. Gear shift indicator on dash (PRNDS, PRND etc) all illuminated.
26) Auto transmission doesn't engage reverse, all forward gears okay. Gear shift indicator on dash (PRNDS, PRND etc) all illuminated.
27) Auto transmission loses drive once warm. Gear shift indicator on dash (PRNDS, PRND etc) NOT illuminated.
28) Auto transmission slips in all gears, engine revs high, road speed doesn't match. Gear shift indicator on dash (PRNDS, PRND etc) all illuminated.
29) Manual transmission noisy (noise increases with road speed).
30) Manual transmission slips out of gear (more so when braking).
31) Manual transmission crunches when selecting gears.
32) Manual transmission difficult to select individual gears.
33) Manual transmission impossible to select individual gears.
34) Manual transmission impossible to select ANY gears.
35) Clutch pedal soft, will not return to rest position.
36) Clutch pedal stiff, gear selection difficult.
37) Brake pedal spongy, car difficult to stop.
38) Brake pedal has excessive travel before car stops.
39) Grinding noise when applying brakes from speed.
40) Vibration when applying brakes from speed.
41) Car pulls to one side during sudden sharp (emergency) braking.
42) Knocking from front of car over bumps or rough roads.
43) Knocking from rear of car over bumps or rough roads.
44) Car has excessive "bounce" even over moderate bumps.
45) Car appears lower on one side, even when parked on level ground.
46) Droning noise from wheel area, worse when turning corners.
47) Droning noise from wheel area, less when turning corners.
48) Clicking noise from front wheel, worse when turning corners.
49) Vibration from steering wheel at certain speeds.
50) Aircon blows warm air.
51) Aircon blows cold air, but not from vents.
52) External lights don't work.
53) Cruise control doesn't operate.
54) ABS warning light is on.
55) Airbag warning light is on.
56) Battery keeps going flat, battery warning light illuminated.
57) Battery keeps going flat, battery warning light NOT illuminated.
58) Alarm sounds randomly.
59) Remote key does not work.
60) Central locking does not work.
61) Electric window does not work.
62) Electric mirror does not work.
63) Electric sunroof does not work.
64) Horn does not work, or has random operation.
65) One or more doors fails to unlock.
66) Door open warning on dash illuminated, despite all doors being shut.
67) Hood open warning on dash illuminated, despite hood being shut.
68) Trunk open warning on das illuminated, despite trunk being shut.
69) Poor radio reception.
70) Audio volume adjusts itself randomly.
71) Digital central display on dash dim, worse when warm.
72) Digital central display on dash has broken / missing pixels.
73) Wiper operation very slow, even on high setting.
74) Wiper fuse constantly burns out.
75) Wipes don't operate.
76) Key warning lamp on dash flashing, difficult to start car.
77) Key warning lamp on dash flashing, impossible to start car.
78) Key warning lamp on dash flashing, engine starts, then dies after approximately 2 seconds.
79) Fuel pump noisy (buzzing from trunk / rear).
80) Speedo does not work.
81) Speedo works intermittently.
82) Speedo / dash not illuminated with lights on.
83) No communication with diagnostic equipment via OBD II port.

What a great idea. I'm just knowing this here.
Please help me out.

My car is as follows :
01) Volkswagen
02) Golf 4
03) 1.6 Ltr
04) Manual
05) 2007/2010. I'm not sure of the exact year
06) Euro.

Car starts normally first hand in the morning. Drive it maybe 5 minutes or so and then like you stopped to buy something on the road side. To start it, it would take a while up to 10 - 15 minutes to start normally again.
It starts, engine cranks, fires it, but it stalls. Sometimes if I fire it and drive it, it's like it jerks with revolving sound, and stalls, at times the Rev meter does not move immediately. It is always difficult for me and killed my last battery. I'm afraid it's going to do so again.
Kindly find away to help me please with solution or what could be wrong.
Thank you.

Sad for the game of basketball. This guy was a special individual in Lakers. Very unfortunate. Rest in peace.

Man, the driver and a woman in the front sitting position of the SUV. Too bad.

OP, did you at any time in the beginning taking Septrin tablets? It's a major cause of this problem.