₦airaland Forum

Owamudia:
Pain ke.
Ibos are under the table anytime any day.

Owamudia:
The slaves are the ones who have NEVER produced the country's president, 48 years after Biafra. And they won't even smell VP anytime soon.

Shame!

Conquered people, the yeasterners.

Fadiga24:
This one has denied his brothers cc lzaa

imhotep:
Future refugee spotted
cc lzaa

OnyeOGA:
cc; lzaa come o

imhotep:
angels09 will soon go into permanent refugee lifestyle just like omenkalives

angels09:
Never. Aguiyi Ironsi ruined our regional government structure and handed every function and money to the central government.... until we get out that crap no way

VanNistelrooy24:
Abdullateef Olebanjo and Odegbami Oniru sef...... No shame at all. See the idiot priick don shrink.

imhotep:
Alariiwo, yarimo and sarrki will not like this.
cc lzaa

midolian:
An Igbo woman killed her Igbo Husband in another man's land (Cameroun)..

Development gone wrong..

May his soul rest in perfect peace..

maximunimpact:
During the launch of a book on banking reforms earlier this week, the speaker of house of representative, Hon. Yakubu Dogara raised some serious concerns on how the banking institution in Nigeria stifle small businesses, he decried the look warm stance of the “lenders” on funding small and medium enterprises (SMEs).

One of the bedrock of any economy is the small business sector, not only do they create innovative products; they also create employment opportunities for the teaming population. So any economy that ignores this all important sector is heading for high rate of unemployment which leads to high crime rate, kidnapping, fraud and illegal acquisition of wealth. The banks which are supposed to play their role as the lenders have unfortunately misplaced the priority.

Enter access bank credit card for students

Earlier today access bank’s executive director on Personal Banking Division, Mr. Victor Etuokwu unveiled a credit card for students of tertiary institution in the country which he described as teaching young people how to be responsible borrowers.

To understand what a credit card means let me first give a simple explanation; ‘A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder’s promise to the card issuer to pay them for the amounts so paid plus the other agreed charges’. This means that the card holder can spend above what he/she has and pay back later with interest.

Who needs a credit card more?

In a working society there is obviously nothing wrong with issuing a credit card to students, afterall developed countries do it but this is Nigeria where we struggle to do the right thing. As I wrote earlier on in this piece, small business holders hardly ever get a business loan from money deposit banks; this is because of the impossible requirements like collateral securities, expected business turnover you can have before accessing the loan as well as getting references and guarantors.

Although access bank did not explicitly state how they will recover the credit from students, but why give loan to students who are not yet working while ignoring entrepreneurs who could use the credit facility to create jobs for these students when they graduate? This scenario is a classic case of misplaced priority in my own opinion.

The heart of the matter

For a bank where it is almost impossible to access loan as an entrepreneur to create a credit card for students, I really want to follow up on this product to see how it goes. When you critically look at this product, it has a better chance of working out with entrepreneurs than students who most of the time has no means of paying back.

I think the bank should go back to the drawing board and create products that will help small businesses succeed in the country, not only access bank but all the commercial banks in Nigeria. It is easier for politicians to secure loan in banks for nomination form than for SMEs to get funds from banks, as serious as this practice is to the economy of this country, there is little or nothing done to find a midway.

Final verdict

The access bank credit card for students is dead on arrival, if the bank truly want to create “responsible borrowers”, let them start from the small business sector that needs it. It is also in order to stop describing our banks as “lenders” and use more of “money deposit banks” as that is the area they are very good.

https://www.financialwatchngr.com/2018/03/15/access-banks-students-credit-card-hit-or-miss/

imhotep:
This sai babarian seems to be waking up from slumber
cc lzaa

GMbuharii:
the zmB don chop ban

imhotep:
OK. Sai baba please
cc lzaa

imhotep:
why are they avoiding CHANGE ? ?

imhotep:
that guy needs urgent therapy to deal with igbophobia

imhotep:
cc lzaa alariiwo sarrki omenkalives yarimo

python1:
Do you have issues with complex? How am I involved in whatsoever you post? Have I ever called you to take note of my post?

debolayinka:
Instead of seeing the sense in this, BMCs be like:
Aisha is a frustrated IPOB yoot! Buhari is still the best thing that ever happened to Nigeria.

royalsgist:
The pre weeding photos of this couple is currently trending online, as seen on the one of the photos the groom lifting his bride up while they rock Manchester united jersey.

SOURCE: https://royalsgist.com/2018/03/15/groom-lifts-bride-rocks-manchester-united-jersey-pre-weeding-photos/

justtruth88miSt:
our media House is mess... how many people many corpse did u see now just 7...mumu ple

zoba88:
Below are photos from the ongoing mass burial of 24 people killed by Fulani herdsmen in Omusu-Edumoga, Okpokwu Local Government Area of Benue State.

May their souls RIP.Amen!


Source: http://www.trezzyhelm.com/2018/03/photos-from-ongoing-mass-burial-of-24.html?m=1

Pataricatering:
they were talking about producing fabrics locally for fed fed govt agencies ! That will help with job creation , won’t it ?

Femiolu2000:
https://www.google.com.ng/amp/s/www.thecable.ng/abducted-schoolgirls-responded-better-jonathan-says-buhari/amp

Angelanest:
A lady from Awgu, Enugu state who wedded two months after meeting her husband - has taken a swipe at 'unserious' guys. According to the beautiful lady identified as Rubby Nebechi Demian, any man that loves his partner will not hesitate in marrying her as she shaded those guys that love studying women as 'a university course' before getting married.

She revealed that she met her man on December 2017 and officially tied the knot on February this year.

Congratulations to the couple.

Below is what the new wife shared on Facebook;

Any man that loves you will not waste time to make you his wife but the unserious ones will like to study you like university course .We met on December 2017,first introduction was on 7th January 2018 and we tied the knot traditionally on 24th of February this year.

Source; https://www.nationalhelm.co/2018/03/lady-blasts-unserious-guys-wedding-man-two-months-meeting-photos.html

edi287:
Registas.

mvem:
...normal i mean no medical condition like impotency or so

mvem:
...you are kidding me...all normal males have experienced norcturnal emmision or whatever u call it...it is fact....and its not different because na sperm/seminal fluids dat is ejaculated which is capable of impregnating a lady in both situations....

mcvities:
Outrage in police over lopsided promotions •South-East and South-South officers send SOS

There is discontent among some officers and men from South-East and South-South geopolitical zones in the police over what they described as “marginalisation of our officers” from the regions in the promotion of personnel.

They fear they may not have satisfactory career in the force if events continue the way they are, calling on President Muhammadu Buhari to come to their rescue.

The officers alleged that they have made representations of the alleged marginalisation of their regions without success despite their qualification, hard work and dedication to duty, pointing out that there is no Assistant Inspector-General (AIGs) of police from the South-East for instance.

To this end, investigations by revealed that there are about 29 Assistant Inspectors-General (AIGs) of police in the force.

Out of the 29 AIGs, 27 are general duty (GD) officers while the remaining two are specialists (medical and air wing).

It was further revealed that the veterinary section ought to have a specialist AIG but a GD officer is heading the section.

According to the officers, even with the 29 AIGs, the South-South and the South-East are being marginalised, as only one officer from the South-South is an AIG, while there is no AIG from the South-East.

It was gathered that while the South-East zone has no AIG, Niger State – where the Inspector General of Police (IGP), Ibrahim Idris, comes from – and Plateau State have two and three AIGs, respectively.

It was further gathered that since Ibrahim Idris took over as the Inspector-General of Police (IGP) on June 21, 2016, no Commissioner of Police (CP) from the South-East has been recommended to the Police Service Commission (PSC) for promotion to the rank of AIG.

When DAILY INDEPENDENT called Jimoh Moshood, Force Public Relations Officer (FPRO), he advised the newspaper to reach PSC, which, he said, is in charge of officers of that category.

However, a dependable source close to the Chairman of PSC, retired IGP Mike Okiro, explained on phone that promotion to the rank of AIG was not determined by quota or the federal character principle.

“Promotion from the rank of Commissioner of Police is not done on quota system or on federal character basis.

“In the police, only the rank of Deputy Inspector-General of Police (DIG) is done on quota system or on federal character.”

The source cited the Chairman of PSC who, he said, “was promoted from the rank of a CP to the rank of DIG, even when there were two AIGs senior to him.”

The source added: “Another rank that is done on either quota system or on federal character is from Inspector to Assistant Superintendent of Police (ASP) only during recruitment exercise.

“Promotion of any other rank is done on seniority basis, except on hard work – an officer who has performed an extra feat is promoted to encourage him.”

Explaining why the South-East has no AIG, the source disclosed that a commissioner from the South-East may soon be promoted.

“There was a CP from the South East who is number three on seniority list in the force. He will be given an AIG before the year ends,” the source assured.

On Tuesday, Last week, the PSC announced the promotion of 414 officers.

A breakdown shows that three Commissioners of Police (CPs) were promoted to the next rank of AIGs, four Deputy Commissioners (DCPs) to Commissioners of Police (CPs) and 12 Assistant Commissioners (ACPs) to DCPs.

The three CPs promoted to the rank of AIG are CP Danjuma Ibrahim, CP Istifanus Shettima, and CP Jimoh Omeiza Ozi-Obeh.

Findings revealed that promotion to a higher rank is not automatic but on availability of vacancy.

“A whole zone cannot produce an AIG, yet Niger State – where the IGP comes from – produces two AIGs. This is one of the lopsidedness and oppression going on in this government. We leave everything to God,” one of the senior officers from the South-East lamented.

Similarly, some officers from the South-South who spoke on strict anonymity also complained about the situation.

“Apart from not giving us (the South-South) equality in the police in the areas of promotion, most of our mates are two ranks ahead of us, and when we see them we salute our juniors who are now our seniors because they are from a particular section of the country.

“The IGP is showing tribalism openly, he posted only his people to juicy areas. He cannot be IGP forever, he will go one day.”

Investigations further revealed that to rectify the marginalisation of South-South officers, the PSC recently promoted Lagos State Commissioner of Police, Edgal Imohinmi, twice within six months to meet up with his contemporaries.

The AIGs and their states of origin are as follows: Musa Katsina (Katsina); Abdul Salami Ayaji (Kogi); Tilli Abubakar (Kebbi), Zone 6, Calabar; Dorothy Gimba (Plateau); Abdul Bube (Sokoto); Agboola Oshodi-Glover (Lagos); Umaru Shehu (Kebbi); Usman Yakubu (Niger); Abdulmajid Ali (Niger); Abubakar A. Mohammed (Nasarawa); Kayode Aderanti (Osun); Mohammed Usman Sani (Bauchi); Yakubu Jibrin (Nasarawa); Ibrahim Adamu (Zamfara), Zone 2; Abdul Dahiru (Kano); Salisu F. Abdullahi (Kano); Lawal Shehu (Katsina), border patrol; Aminchi Samaila Baraya (Taraba); Usman Alkali Baba (Yobe), maritime; Tijani Dada (Yobe); Abubakar Marafa (Kebbi); Dan Bature (Plateau); Karma Hosea Hassan (Taraba); Felix Ogundeji (Ondo); Frederick Taiwo Lakanu (Lagos); Hilda Idiruro Harison (Edo); Rasheed O. Akintunde (Ogun); Ezekiel Zang (Plateau), airwing; and Mohammed, medical.


Source News Express

http://newsexpressngr.com/news/51076-Outrage-in-police-over-lopsided-promotions-South-East-and-South-South-officers-send-SOS-46

igboOSU:
Lol
OSUS always pained by the truth