₦airaland Forum

Davash222:
Are these nonsense you mentioned above Banks

What do you call them sir. I call them Internet Banks. How about you sir

This article will talk more on the list of online banks in Nigeria as of the year 2020. However, you won’t be seeing the regular list you used to know but a more credible and different list. This particular list is what will take over banking activities in the long run. I hope you are ready to bookmark those available as at when writing this article.

Some of them come in the form of an app. That is, there is no building to carry out transactions as everything will be done on the internet. Besides, it can be done by just a mobile phone.

In recent times, most Nigerians are beginning to lose interest in commercial banks in Nigeria due to their outrageous charges and unethical activities. Here comes the commercial Bank alternative tagged Top 5 Internet Banks in Nigeria as the year 2020.

There are lots of posts on social media condemning the activities of the usual commercial banks. No thanks to the digital age for giving us alternatives to the usual commercial bank. This sets of internet banking are what I have been using for a long time now and none of these have given headache like the commercial bank have been doing.

What is a Bank?

According to Investopedia, A bank is a Financial Institution licensed to receive deposits and make loans. Banks may also provide financial services such as wealth management, currency exchange, and safe deposit boxes. There are several different kinds of banks including retail banks, commercial or corporate banks, and investment banks. In most countries, banks are regulated by the national government or central bank. Just as it is regulated by the Central Bank of Nigeria in our case.

What Are the 9 Major Types of Financial Institution?

9 major types of Financial Institution provide a variety of services. As financialization continues to permeate our lives, it is increasingly likely that you will have an account or product offered by several of these types.

1. Central Banks
2. Retail and Commercial Banks
3. Internet Banks
4. Credit Unions
5. Savings and Loan Associations
6. Investment Banks and Companies
7. Brokerage Firms
8. Insurance Companies
9. Mortgage Companies

What is Internet Banking?

Online banking, also known as internet banking or web banking, is an electronic payment system that enables customers of a bank or other financial institution to conduct a range of financial transactions through the financial institution’s website. The online banking system will typically connect to or be part of the core banking system operated by a bank and is in contrast to commercial banking which was the traditional way customers accessed banking services.

Internet banking software provides personal and corporate banking services offering features such as viewing account balances, obtaining statements, checking recent transactions, transferring money between accounts and making payments.

1. Kuda Bank

da BankWith no particular reason, this is the first online bank I will be talking about on the post on Top 5 Online Banks in Nigeria as of the year 2020. Kudabank is the bank of the free. I mean you need to join Kuda bank to set yourself free. Kuda Bank is designed for smartphones, free of ridiculous charges and great at helping you budget, spend smartly and save more. In kuda, you can save your money, spend it, send it. It’s all up to you to decide what you do with your money.

What makes Kuda Bank different?

Kuda’s bank-level security protects your sensitive personal information and prevents unauthorized use.
Lost Card. Sometimes debit cards go missing. If that ever happens you can freeze your missing card on the app, and even unfreeze it if you find it later.
It is completely paperless as everything is done on the phone.
No minimum balance as you can withdraw all the money you have in there.
Responsive customer support.
Simple tools for managing your money in the best way.
The fees are transparent as you will get what you see and no extra unknown charges.
You have total control of your money. Whatever you want to do with your money, you can do it from the app with no single queue. They will make sure it’s done better and hassle-free.
With Kuda Bank, you are Insured because Kuda is licensed by the Central Bank, and your money is insured. And lots more...

To join Kuda Bank, please click the following link. url]https://kudabank.com/referrals?invitedby=0TKAAPQR[/url]

2. Palmpay

This is another Online Bank I will be talking about on the post on Top 5 Online Banks in Nigeria. You have another opportunity here to send money for free, pay for your airtime and bills and earn rewards every time you spend with PalmPay. Try it for yourself on Android and iOS:

What makes Palmpay unique?

Deposit with no queue:
Deposit funds to your wallet for free using your ATM card.

Earn Rewards As You Spend:
Earn rewards for every transaction in the form of PalmPoints cashback. Earn 10% cashback for airtime top-up and 5% for any bill payment.

Fast and Reliable:
Send money to any financial account at market-leading rates and to other PalmPay users for free.

Totally Secure:
Your money is protected using the most advanced technology and follow GDPR standards for data handling. Also, all of your data are encrypted and do not share information with 3rd parties.

PS: If you are making a transfer and the receiver needs it immediately then I’m sorry Palmpay might not be a better option as they try to delay transfers sometimes.

To join Palmpay please click https://h5.palmpay.app/#/sign/sign-up?invitQrCode=7G0DB2&code=0234&scene=PalmPay

3. Opay

Here is another mobile bank we really should know about. Though most people must have known this app before this time, and for those of us that don’t know much about the app, then you are welcome here to know all you need pertaining to this aspect.

Opay is more than just a payment company. They believe everyone should be able to enjoy financial and social inclusion, without regard for physical borders, boundaries, or even social status. This is a one-stop mobile-based platform to send and receive money, and pay bills.

You can also turn it to a mobile bank to save your money so that your balance won’t be reduced anyhow. Furthermore, according to Opay themselves, says, over 60% of people in Africa remain unbanked and can’t access the most basic financial services to invest in their education and businesses, which limits their full potential. Nobody should be denied access to participate in the world economy because of their circumstances or background.

In addition, With a passionate team, sophisticated mobile platform, and a fast-growing community of users, OPay is making financial services more efficient for millions of users and it starts with the ability to pay and have access to the right opportunities at the right time.

In summary, Opay is an online banking platform to send and receive money. You can save for further use and you can use it in paying for bills like Electricity, TV subscription, Airtime/Data, etcetera.

To join Opay please download the app here https://play.google.com/store/apps/details?id=team.opay.pay&hl=en and use the code 38UUJRV to start enjoying services like bill payments, money transfer, investment and loans, and lots more. Get started now.

4. Alat by Wema

Here comes another Online Bank in Nigeria we need to talk about. Alat by Wema is Nigeria’s first fully digital bank, designed to match your lifestyle and help you save more. ALAT is built from scratch to be entirely digital, making all banking services available to you anywhere you can access the internet. Alat by Wema is easy to use and stress-free. All you need to do is Open an ALAT account from your phone with your BVN and phone number, and you are good to go. No paperwork required.

Why you should use Alat by Wema.

Save Easily: [/i]Take the pressure off with a simple automated savings plan and earn a 10% annual interest which could be three times the standard bank rate.

[i]Request Instant Loans: Get a short-term loan whenever you’re in a pinch, few questions asked.

Free Card Delivery: Pick one of three bank card designs and it will be delivered to you in two business days, anywhere in Nigeria, at no cost.

Pay In Dollars: Create a free virtual dollar card for paying online, convert naira to dollars any time.

Get Discounts Every Week: Save money on meals, cab rides, shopping, entertainment and more with deals from their partners.

please click tp join https://www.alat.ng/

5. Standard Chartered Bank of Nigeria

This is yet another wonderful Internet bank to talk about in this article on Online Banks in Nigeria as of the year 2020. The Standard Chartered Bank hits the Nigerian economy in the year 1999 and since has made so much impact. With SCBN enjoy mobile banking from the go. Transfer funds, manage your account and complete most of your service needs. Say goodbye to long queues and take your bank anywhere and everywhere. Be Unstoppable.

Some qualities to look out for on Standard Chartered Bank are;

They operate in a very dynamic environment with limitless opportunities for growth. Also, they are well-positioned for growth and continue to focus on growth plans. With over 900 dedicated staff, the branch network has expanded from 3 branches in 2003 to about 22 branches presently. Currently, there are over 100,000 clients of the Bank.

Standard Chartered Bank Nigeria has a strong reputation for delivering the highest standards of international governance – a competitive advantage and a differentiator. It continues to set governance standards in the countries it operates in by migrating FSA best practices, e.g. KYC, AML, etc.

Furthermore, actively engage with all the Governments and Regulators to share skills and expertise and work in partnership to support sustainable development. SCBN is currently the Sovereign Rating Advisor to the Federal Government through the Ministry of Finance

Kindly click https://www.sc.com/ng/ to join

Also, you can read the full article from the sources @ https://www.moshinfohub.com/top-15-best-online-banking-app-in-nigeria/

viyon02:
nice one

thanks man...

This post will walk us through the step-by-step guide on How to Open a Paypal Account in Nigeria, and How to Open Paypal Account that Receives Money in Nigeria.

We often need a PayPal account for numerous things to scale up our business, therefore, we need one in other to receive our international payments.

It is no news that Nigeria PayPal can not send and receive funds efficiently but can be used just for online purchases.

This makes for the research of another alternative to Nigeria PayPal because we want nothing but a working PayPal account that can send and receive the fund.

Since we now have restrictions on the previous article I wrote on How to Open Paypal Account that Receives Money in Nigeria. Hence the reason for this new article.

Different persons daily have been contacting me on How to Open a Paypal Account in Nigeria aside from the previous one, hence I came up with this other method.

As we have known that Nigeria’s Paypal is not good for business as it is mainly used for shopping online and can not do the basic things an international PayPal should do.

Today, I will be discussing in detail how to open and own a working PayPal account that can send and receive funds in Nigeria. Not a Nigerian PayPal though. I have been using this particular one for three years now and still blazing.

A reliable PayPal we will be talking about is “[url]Lesotho PayPal[/url]”.

Lesotho Paypal has been doing well ever since because it has all the features of an international Paypal that can send and receive funds conveniently and does other things that a foreign PayPal account does.

As a Nigerian, we can open a Lesotho Paypal account to keep our business going since our own Nigeria Paypal has been limited to some extent.

But before we proceed we would like to explain briefly what PayPal is and what it is used for, for the sake of those that stumbled on this post.

[url]What is Paypal?[/url]
According to Investopedia: PayPal is an electronic commerce (e-commerce) company that facilitates payment between parties through online fund transfers. In other words, PayPal is a company that makes payment of goods and services possible between buyers and sellers.

Furthermore, if you want to transact/receive funds internationally, then PayPal is a better option you can use.

If you render any service to someone in another country then the person can pay you through PayPal after which you can convert the PayPal fund to your local currency.

Things you need to Open a Paypal Account in Nigeria
What you need before opening a Lesotho working PayPal account are;

Email Account (preferably a new one for this purpose)
Name
Billing Address
ID Number
Phone Number (A Nigeria phone number is okay)

Do not worry about the ones you think you don’t have, as I will put you through how you can get them all without stress.

Without wasting much of our time, let’s go into details on How to Open a Paypal Account in Nigeria.

READ THE FULL ARTICLE HERE https://www.moshinfohub.com/how-to-open-a-paypal-account-in-nigeria/

olumide3367:
Registered my company my self and it took me months

. It is a good thing you were able to get a number. Keep it flying man. How about running a facebook ad for your company? It will sure be a beautiful one...

TUANKU:
Thanks for the information.

. You are welcome. Do make sure to click on the link for the full information...

This article will walk us through how to register a Business Name in Nigeria. Gone are the days when getting registered was a hassle but not anymore. Anyone can now successfully register their Business Name in few easy steps.

What is the Corporate Affairs Commission

According to Corporate Affairs Commission’s official website https://www.cac.gov.ng, says the Corporate Affairs Commission was established by the Companies and Allied Matters Act, which was promulgated in 1990 to regulate the formation and management of companies in Nigeria.

The establishment of the Corporate Affairs Commission as an autonomous body was a result of the perceived inefficiency and ineffectiveness of the erstwhile Company Registry, a department within the Federal Ministry of Commerce and Tourism which was then responsible for the registration and administration of the repealed Companies Act of 1968.

It carries out its functions through accredited members of the Association of National Accountants of Nigeria, Institute of Chartered Accountants of Nigeria, Institute of Chartered Secretaries and Administrators of Nigeria (ICSAN) and the Nigerian Bar Association (NBA). The organization is headed by a Registrar-General. Prior to the enactment of CAMA, these activities were carried on under the Companies Act 1968. (CA 1948)

Functions of the Corporate Affairs Commission

The below lists are some of the functions of the Commission as set out in section 7 of the Companies and Allied Matters Act, under the article on how to register a Business Name in Nigeria

To administer the Act, including the regulation and supervision of the formation, incorporation, management and winding up of companies
Also to establish and maintain company registry and offices in all the states of the Federation suitably and adequately equipped to discharge its functions under the Act or any law in respect of which it is charged with the responsibility.

Another well-known function is that the commission arrange and conduct an investigation into the affairs of any company where the interests of the shareholders and the public so demand

Requirements to register a Business Name in Nigeria

Proposed Business Name
Means of identification (Driver’s license, National ID card or others)
Debit card for your payments
Passport Photograph

kindly click the link below to read the full article. Things you still need to know before getting your name registered are listed in the full article such as;

Why you should register a business name in Nigeria
steps involved in registering a business name in Nigeria
and more...

CLICK HERE ==> [url]https://www.moshinfohub.com/how-to-register-a-business-name-in-nigeria-cac/
[/url]

This post will be talking on how to grow a Facebook page without paid Ads and you can actually get the same result with paid ads.

Lately, building a Facebook page is never child’s play in a population of an estimated 40 million small businesses using Facebook to reach their esteemed customers and as well get their products known to the populace.

To save time and energy, most marketers have been going for paid ads. If you can afford to go for the paid ads then you have an advantage ahead.

Marketers that are managing pages for these businesses will understand more of this how it is hard to attract single Facebook likes.

When we say Increasing our Facebook page is hard doesn’t mean that we won’t get involved and getting involved the right way will surely produce a reasonable result.

The main points we will be looking at include;

i. Creating Charming Contents.
ii. Promoting your page.
iii. Other relevant points.

Since the whole thing we are clamoring for is the TRAFFIC.

1. Creating Charming Content.

There is no doubt that the first and foremost thing to work on before building a reliable facebook page is Creating Unique, Informative, and Charming content.

- The quality of your content will go a long way in determining the likes you required.

- Talking about quality content, you have to take lots of things into consideration: Some of the things you have to take into consideration are;

- Your content should contain quality images as we have known that post with images has a higher possibility of engagement compared to content without images. A well-communicative image is a better way to increase your page engagement.
A study on Facebook says, videos now outperform photos in terms of reach/view. This is the best time to start incorporating video into our social content to reach a greater audience. Don’t dull it as time is now.
Another thing to look out for in creating charming content is how interesting the post should be. No one wants to read boring and frustrating content.

So, you have to make your posts interesting so that those you are expecting will not get to your page and hiss. mtchewwwww. Be sure you are ready to meet their expectations before engaging them.
Also, make your content short and simple. Remember you are promoting a Facebook page and not a blog so you have to make sure your content is short, simple, and straightforward so you can carry your visitors along.

A study says the characters needed in other to gain maximum engagement in this type of situation should be between 40-100 characters.

2. Promoting your page

Promoting your page takes a lot and there are lots of activities to engage in to achieve the desired result on how to grow a Facebook Page without paid ads

- The first point we have to look at is: Promoting your page on other social media accounts like Twitter and LinkedIn. Insert the page you are trying to promote in your posts on other social media.

- Relate with people with like minds. When on Facebook, look for other mature pages/groups on the same course as yours.

- Do make yourself relevant in those pages/groups by giving out thoughtful solutions for their souls. Make a meaningful post and as well comment on another post on the said pages.

- Imagine being relevant in 10 different pages/groups that shared the same dream as yours, can you imagine the kind of traffic you will be pulling from those developed pages? Making yourself relevant will also give its own percentage of your anticipated audience.

- Point to your Facebook page on your blog if you have one already. If you have an interesting post on your page making an engagement, you can talk about it on the blog while mentioning the Facebook page. By that people tend to know about your Facebook page

- Another thing is that you shouldn’t control the page by being invisible, try as much as possible to show yourself. Let your readers know who is behind the scene by so doing you’re giving them the privilege to trust you, making sure you are human and not a robot.

- You can also link the Facebook page you are trying to increase in traffic to your personal Facebook profile as a place of employment or the like

3. Other relevant points on How to Grow a Facebook Page Without Paid Ads


- You must not bombard your page with only your promotional content, doing so will only make your page a boring one. You actually need both promotional and nonpromotional content to build up your page. In this regard, non-promotional content should be more than promotional content.

- A study says a 70/30% is okay for you to take your page to the next level. The 70% should go with the non-promotional content while 30% should go for your promotional content. Your non-promotional content can come in any form. It might include jokes, memes, organizing Question and Answer posts, and so on.

- Always make sure to visit your (Facebook Insights) to find out the content that is working with your audience. Find the posts that have received the most engagement and highest reach, and share these types of content more often than before and fold your arms to see the magic.

- From a suitable page on your blog, try to include a (Like us on Facebook) link to your blog. Readers are more likely to like you from the link if they’re excited about what they read on your blog.

- Make a partnership with likely pages as your niche. Agree to cross-promote posts to help each other in building the required audiences.

- If you have an email list, when sending content to your email contacts, you can incorporate the link inviting your contacts to connect with your Facebook page.

- As we know that nearly everyone is taking advantage of popup boxes on their blogs these days. You can as well join the moving train, and set your popup asking visitors to join your Facebook page. Don’t forget you can also set the popup also inviting visitors to join your email list.

NOTE:

- Make engagement a priority. Develop a habit of answering questions and responding to comments promptly. Your Facebook posts are a starting point for great discussions and not to lie like a log of wood.

- You can use a WordPress plugin like WP-TopBar to show a “Like us on Facebook” message at the top of each page of your blog.

- A catchy URL will be more enticing and much easier to remember, so always make sure to look out for that.

Conclusion on How to Grow a Facebook Page Without Paid Ads

Building a Facebook page shouldn’t be the problem rather the system you put in place in other to achieve your desired result.

David Baser, a Facebook Insights Product Manager, reminds marketers that increased engagement should be their no1 priority. “User engagement is the best proxy metric for the ultimate success of your brand page on Facebook.

It’s better to understand how much distribution you are getting in the news feed, and the number of people you are reaching with your messages. This tends to be one of the most if not the most important aspect you have to take into consideration in other to build your Facebook page.

At the same time, you have to know yourself that only likes couldn’t lead to a good page. What you should be after is the engagement on the page to make you relevant to your users. Don’t forget you are building a page and building the page can lead to massive sales with no doubt…

Please do read the full article from the source https://www.moshinfohub.com/how-to-grow-my-facebook-page-for-free/

Do you have other points you want to let us know about? kindly let us know in the comment section below. we will be glad to hear from you.

femi214:
Good morning,
What's the difference between NHIS and HMO?
Can my husband HMO cover my pregnancy and delivery.

Firstly, the difference is that HMO is the link between the enrollee, healthcare facility and the NHIS. Secondly, every HMO has their own policy, if your husband HMO covers pregnancy then you can be benefitted but if it doesn't cover pregnancy then you have to go for your. In summary, everything depends on the HMO policy and the type of HMO your husband operate.

wanger50:
I'm an enrollee,of late my HCF has not had a Doctor and my HMO seems helpless about it. What are the options open to me?

I will personally suggest you go to the website or click on the source URL. From their website, you will see options to contact them, from there you can explain better to them and i am sure they will do something about it.

The National Health Insurance Scheme (NHIS) is a corporate body established under Act 35 of 1999 Constitution by the Federal Government of Nigeria to improve the health of all Nigerians at an affordable cost.

However, NHIS is to provide social health insurance in Nigeria where contributors ‘ health care services are paid out of the general pool of funds provided by Scheme participants.

Furthermore, it is also a pre-payment plan where participants pay a fixed sum regularly. The amount/funds are pooled so that the Health Maintenance Organizations (HMOs) can pay for those in need of medical care. It is essentially a mechanism of risk sharing that can boost the allocation of capital and equity. Yes, it is considered the most commonly used method of funding for health care throughout the world.

In addition, NHIS controls HMO-operated private health insurance. HMOs should have a hyperlink to the HMOs list on the web. Health Insurance is a social security system that guarantees that individuals are provided with the appropriate health services at regular intervals by making nominal contributions.

Objectives of the National Health Insurance Scheme (NHIS)

Ensuring equitable distribution of health care costs among different income groups
For appropriate patronage of all levels of health care
Improving and harness private sector participation in the provision of health care services
It makes sure there is an equitable distribution of health facilities within the Federation
Limiting the rise in the cost of health care services
Maintaining high standards of health care delivery services within the Scheme
Making sure health care services are efficient
Protecting families from the financial hardship of huge medical bills
To ensure that every Nigerian has access to good health care services
To make available funds to the health sector for improved services

Programs of the National Health Insurance Scheme (NHIS)

To ensure that every Nigerian have access to good health care services, the National Health Insurance Scheme has developed various program to cover different segments of the society and these includes;

1. Formal Sector

i. Formal Sector Social Health Insurance Programme
ii. The National Mobile Health Insurance
iii. Voluntary Contributors to Social Health Insurance Programmes (VCSHIP)

2. Informal Sector

i. Tertiary Institution Social Health Insurance Programmes
ii. Community-Based Social Health Insurance Programmes

3. Vulnerable Group

i. Physically Challenged Persons Social Health Insurance Programme(PCPSHIP)
ii. Prison Inmates Social Health Insurance Programme(PISHIP)
iii. Children Under Five (5) Social Health Insurance Programme
(CUFSHIP)
iv. Pregnant Women
v. Retirees
vi. Aged

That is not all folks. Kindly read the full article to know all about NHIS. Get answers to your numerous questions pertaining to NHIS and how you can participate/register in the NHIS program. CLICK HERE==> https://www.moshinfohub.com/?p=70

This article will explain in detail the guidelines for registration with NAFDAC which is all we need, to get our NAFDAC registration number. And for better understanding, we will be focusing on the guidelines for registration of MSME (Micro, cottage, kitchen scale) regulated products. However, the article will talk about NAFDAC, its functions, and its cost. If you see this then you are lucky as the article will explain in detail and step-by-step guide (2019 updated).

To understand better the purpose of this article, we need to know what NAFDAC is and how they operate.

The National Agency for Food and Drug Administration and Control (NAFDAC) was established by Decree No. 15 of 1993 as amended by Decree No. 19 of 1999 and now the National Agency for Food and Drug Administration and Control Act Cap N1 Laws of the Federation of Nigeria (LFN) 2004 to regulate and control the manufacture, importation, exportation, distribution, advertisement, sale and use of Food, Drugs, Cosmetics, Medical Devices, Packaged Water, Chemicals and Detergents (collectively known as regulated products). The agency was officially established in October 1992.

FUNCTIONS OF NAFDAC

The functions of NAFDAC as provided in the enabling law that establishes it are to:

--Advice Governments, the private sector, and other interested bodies regarding the quality, safety, and regulatory provisions on regulated products
--Carry out such activities as are necessary or expedient for the performance of its functions
--Compile and publish relevant data resulting from the performance of the functions of the Agency or other sources
--Compile standard specifications regulations and guidelines for the production, importation, exportation, sales, distribution, and registration of regulated products
--Conduct appropriate tests and ensure compliance with standard specifications designated and approved by the Council for effective control of the quality of regulated products and their raw materials as well as their production processes in factories and other establishments
--Control the exportation and issue quality certification of products intended for export
--Establish and maintain relevant laboratories or other institutions in strategic areas of Nigeria as may be necessary for the performance of its functions
--Grant authorization for the import and export of narcotic drugs and psychotropic substances as well as other controlled substances;
--Collaborate with the National Drug Law Enforcement Agency (NDLEA) in the bid to eradicate drug abuse in Nigeria
--Issue guidelines, grant approvals, and monitor the advertisement of food, drugs, cosmetics, medical devices, bottled water, Chemicals, and detergents
--Liaise with relevant establishments within and outside Nigeria in pursuance of its functions
--Pronounce the quality and safety of Products after appropriate analysis
--Regulate and control the importation, exportation, manufacture, advertisement, distribution, sale, and use of food, drugs, cosmetics, medical devices, bottled water, Chemicals, and detergents.
--Sponsor such national and International conferences as may be considered appropriate
--Take measures to ensure that the use of narcotic drugs and psychotropic substances is limited to only medical and scientific purposes
--Undertake appropriate investigation into the production premises and raw materials for regulated products and establish relevant quality assurance systems, including certification of the production sites and the regulated products
--Undertake inspection of imported regulated products and establish relevant quality assurance systems, including certification of the production sites
--Undertake the registration of foods, drugs, cosmetics, medical devices bottled water, Chemicals, and detergents...

Please click on the following link to read the full article on[url] https://www.moshinfohub.com/guidelines-for-the-registration-of-msme-regulated-products/[/url]

Read the full article to know about your question...

olaide721:
where and how much can someone get those rice ?

Today, as in 2019, we’re going to be talking about the Top Made in Nigeria Rice available in the market. Rice remains the second most popular crop after maize at the moment. Nonetheless, after information technology and oil & gas industry that can never feed the population, the agricultural sector as the third-best profitable business in the world, though Agriculture can address that.

According to Rice Farmers Association of Nigeria (RIFAN), there are more than 12.2 million members involved in rice farming, milling, storage and management, trading and marketing, export, research and training and, allied enterprises. This number has also been growing, especially since Nigeria escalated in 2015.

Another thing RIFAN made us know is that they want to ensure that the Nigerian rice production meets its local demand which is placed at about 5 million tons annually.

Brief Information on Rice Plantation


Experts say the farmer needs to select the right land for his farm in rice farming. To remain in the rice farming business for a long time, it is advisable that the farmer must choose a site in ecological zones where rice is historically grown. It is proved that it can be locations in geographical zones across the country that can be in the north, east, west, and south.

Moreover, rice farming can be a complicated business and as such, it is important to conduct thorough research before starting to grow. Nonetheless, it is preferable to choose fertile lands with high capacity for water retention, swampy lands and organic matter such as loamy soil.

Rice can be cultivated either through transplantation or direct seeding. Before cultivation, the seeds are sprayed onto the soil after which they are plowed into the soil using a plow. The rice seeds are soaked in water for 34 hours, allowing them to dry for 24 hours after which they are ready to grow.

It takes between 120-200days for the grains to get ready for harvest after planting, depending on the area and other factors, when it’s prepared, the grains will fall off on the stalk from green to golden-yellow.

Before proper harvesting, it is required to dry/evaporate the water stored in the rice paddies and also allow the rice to ripen well.
The rice is then harvested by a mechanized thresher slicing the stalk immediately below the heads and extracting the grains from the stalk. Although much more work still needs to be done.

The list of Top Made in Nigeria Rice Available in the Market as of 2019 are;

1. Abakaliki Rice
2. Abadini Rice
3. Adaminna Rice
4. Al- Hamsad Rice
5. Arike Rice
6. Confluence Rice
7. COSRICE
8. Cottage Rice
9. Danyaro Rice
10. Ebony Super Rice
11. Famous Rice
12. Ga'ate Gold Rice
13. Hajo White Rice
14. Igbemo Rice
15. Labana Rice
16. Lake Rice
17. Mama Happy Rice
18. Mama's Choice Rice
19. Mama's Pride Rice
20. Miva Rice
21. NSB MAI SALLAH RICE
22. Ogoja Rice
23. Plateau Rice
24. Royal Naija Rice
25. Savannah Rice
26. Tiamin Rice
27. UMZA Classic Rice

Know how to contact any of the above Rice companies by their contact address and phone numbers through the full article here -->

https://www.moshinfohub.com/rice-farming-in-nigeria-2023-updated/

We need a Photo for numerous things. If you think you can afford to pay for your unique photos then go ahead as that is the best to do. On the other hand, if your budget did not include photos and you need to use one then this is an opportunity for you to know the different places to get free photos.

We all want that unique image that hasn’t been seen anywhere else but it's quite expensive in some instances. But the list is helping out to get different sites to get awesome and unique photos for free and without any copyright hassles.

However, these sites have gone miles in other to make this happen, and as such should be used with some respect.

Brief on Licenses
Most of the photos are free from copyright restrictions or licensed under

creative commons public domain

dedication. With that, you can copy, edit, distribute, and perform other works with the photos, even for commercial purposes. What makes all these cool is that you can use them without asking permission.

However, some photos may require attribution. We’ve done our best to identify which license they fall under but we still advise you to do your research and determine how these images can be used.

Having talked about that, let’s proceed to the different places to get free photos.

1. 123RF
It is a 100% bootstrapped company since 2005, and they have grown to be one of the world’s largest digital stock agency with an evenly distributed global footprint. 123RF has helped a wide range of individuals and businesses tell their stories using creative free photos, contributed by talents from around the world. However, they are ready to impact the creative industry in a big way as a global player that enables creative solutions through constant innovation, new products, and services…

2. ABSFreePic.com
ABSFreePic.com is a high-resolution and free photo platform with only one type of license: CC0 Public Domain. However, photographers are welcome to upload their photos under the CC0 Public Domain license…

3. Adobe Stock
[/b]Talking from experience, only Adobe Stock can give everyone from emerging artists to global brands almost everything they need to design and deliver exceptional digital experiences. One thing about this app is more of paid photos and that makes the free photos you can get limited…

[b]4. AllTheFreeStock
AllTheFreeStock is your number one place to get different free photos, videos, and much more. These sites offer free photos listed under the Creative Commons Zero license. Therefore you are free to use these photos in commercial projects. However, there is a good idea to check the terms of use before using them…

5. ANCESTRY IMAGES
This website on free photos is provided as a free resource for historians, genealogists, and anyone undertaking family history, ancestry, or local history research. You can also use the free photos here as you want…

6. BARNIMAGES
Barnimages was created with the hope of redefining traditional stock photos. Here, you will find the only quality photograph that’s fresh, with nothing that duplicates the stock photograph you will generally find nowhere. Furthermore, they call their collection “non-stock,” and also add new free photos every week…

7. Bigfoto
This site offers you free photos to download all the pictures in a massive and constantly growing photo gallery. You can use these photos just as you wish for personal or commercial purposes and there are no watermarks or complicated rules. It is advisable you see Copyright for details…

8. BIGSTOCK
Bigstock offers over 86 million royalty-free photographs and illustrations from talented photographers and artists around the world. And you know what? it is available for almost any purpose. However, this is one of the Web’s leading royalty-free stock image communities…

9. Burst (by Shopify)
Burst is a free photo platform that is powered by Shopify. The image library includes thousands of high-resolution, royalty-free images that were shot by their global community of photographers. However, Burst is built to provide designers, developers, bloggers, and entrepreneurs with access to beautiful free stock photography…

10. Canva
The collection of free photos by Canva is another platform you ought to look out for. Here, you can get millions of high-quality free photos to create beautiful designs…

kindly, login here to read the full article [url]https://www.moshinfohub.com/free-stock-photos-for-commercial-use-2/[/url]

Most of them. But I use Branch and ALAT the most...

Mannyemmy:
Op which one have you gotten a loan from??

Thanks for letting me know about this. I will sure make research on this...

CHARLOE:
. I know. Kudos. Dbn loan is an FG initiative for smes; low interest, long tenure. But d designated banks refuse to give entrepreneurs d loan . If we don't talk n fight for it d banks will keep it for business

CHARLOE:
What of DBN loan?

. I can't include everything. I just dish out just 10.

This post will walk us through 10 different platforms to get Instant Loans in Nigeria. However, back in the day getting a loan is something else, but we thank God today for the recent technology that is spreading like wildfire. Which comes with the opportunity for us to get Instant Loans in Nigeria.

Currently, there are lots of companies in Nigeria ready to give out loans with reasonable interest rates and without physical collateral. I only limit the list to TEN for better understanding.

What do you need to Get a Loan?

Getting a Loan on almost all the platforms does not require physical verification, and most of the time, what they need is just your Bank Verification Number (BVN).

These platforms can issue loans from as low as 1,000 naira to millions of naira. If you have a business opportunity you want to invest in, pick the lending platform suitable for your demand.

In addition, if you have personal expenses you seriously need to take care of, then these are the platforms you need to look out for.

Based on the technology advancement, most of the loan platforms come in the form of an app YEA. that’s it. Once you know the platform that meets your demand, download the app, register, and request for a loan. As easy as that.

The different platforms available to get instant loans in Nigeria are

1. AB Microfinance Bank

The first platform we will be talking about in how to get instant loans in Nigeria is the AB Microfinance Bank.

What makes them unique is the fact that they focus more on loans for businesses. You also have the opportunity to obtain a huge loan of up to ₦20,000,000. However, the loans are easy to pay out and within 48 hours. Do not forget this loan is meant for businesses and not for an emergency.

In short, just evidence that your business has been in existence within the stipulated period on your documents.

Another opportunity you have is that you don’t have to open an account with the bank before you can use this service.

Moreover, need to tell you that you need at least a guarantor before the loan can be processed. Finally, all you need for proof of identification is a valid ID card and proof of business ownership shikena.

2. ALAT by WEMA

Another loan platform we will be discussing on how to obtain instant Loans in Nigeria is the ALAT by WEMA. It has been saving thousands of Nigerians with its loan opportunities.

This particular company happens to be Nigeria’s first fully operative digital bank. With ALAT, you can do all your banking transactions without being physically present at a bank.

However, they are allowing everyone to apply for a loan without paperwork or visitation to any physical address. Moreover, you get a response for the loan to be disbursed to you in no time once you have been accepted in the system.

For you to be accepted by the system, they will have to run a quick credit check upon request for a loan.

3. branch

branch is also a lending platform we will be discussing on how to obtain instant loans in Nigeria. Engages in delivering world-class financial services to the mobile generation. That is, you can simply get the loan you had wanted on your mobile phone.

However, you do not need Computer or paper works. Just your mobile phone and you are good to go. In emerging markets across the universe, the middle-class thing is at a fast rate. And so they will always need fair, reliable financial services and capital just for them to step up their game.

With smartphone growth at an all-time high, the branch has the best opportunity to build customer-first financial products for everyone. It is designed to fit everyone’s needs and help to grow financially. The more you build credit with the branch, the more you unlock larger loan amounts.

4. creditville Limited

creditville Limited an asset management company. Also, a private lending platform registered in Nigeria, which focuses on Consumer Finance, Real Estate, And Capital Markets.

Their customer base involves employed individuals and SMEs all over the country. They operate as a viable institution and base their services and operations on global best practices. This is one you have to look out for in the post on how to get instant loans in Nigeria

5. FINT

FINT is Nigeria’s first loan platform and that’s why it was able to make it to the list of how to get instant Loans in Nigeria.

It is a loan platform that matches lenders looking for competitive returns with credit-worthy borrowers, both sides looking for the most attractive interest rates possible.

This company is fully automated which makes it transparent and simple to use. Furthermore, It is a loan platform that ensures that the borrowing needs of individuals are met quickly and efficiently. Connecting lenders and borrowers on this platform will be a win-win situation for both parties.

6. Kwikmoney

Kwikmoney will always be available if you need money to start your small business or you need to handle an emergency. You can get a loan from as little as ₦10,000 to ₦200,000 direct to your bank account and with no hassle. The repayment plan normally is between 14-30 days, and an interest rate starts from 10%. Furthermore, taking a loan and paying back will give you a high advantage on the platform because you are building your trust with the system and which can give birth to a higher loan as time goes by. No collateral and hassle-free.

In addition, to participate in the savings platform, you have to do is open an instant mobile account in a bank or microfinance bank and you will be earning a 10% annual interest rate. However, interest is paid daily so you can see your investment growing every day. This can also make your loan opportunity rise reasonably.

7. Lmoney

Lmoney is also a lending platform we want to let you know about how to get instant Loans in Nigeria. This particular platform also has its uniqueness which is the fact that it focuses on salary advances and consumer credit platforms. However, they provide a range of credit facilities to corporate professionals in Nigeria. Wholly owned and operated by Lubeck Capital Ltd, a registered Micro Finance Institution in Nigeria.

8. Paylater

Paylater is another online lending platform we will be talking about in the post on how to get instant Loans in Nigeria. Restricted to Nigerians alone, and they help cover unexpected expenses or capital.

However, there is no time you can not apply for a loan in Paylater, whether morning, afternoon, night, or even midnight, you can go ahead and apply for a loan, and with their quick application process, you will be able to know your status whether qualified for a loan or not. Furthermore, Paylater does not require any collateral or paperwork, all you have to do is just to download their app on your mobile phone, register, and apply for a loan.

9. Pettycash

Pettycash focuses on petty loans. However, they are not up for a big amount of loan they only want to issue little to cater to your petty kinds of stuff. Furthermore, they have customers all over d states in Nigeria, though no physical office but they claimed they have enough employees dedicated to helping their customers borrow funds, one of the big advantages of technology. That way, they can make a list of how to get instant loans in Nigeria.

10. renmoney

In the same vein, this is another platform on how to get instant loans in Nigeria. Renmoney is a financial institution that is available in giving out loans with no collateral. However, renmoney is giving out loans in case you need money to pay rent, cover school fees or buy a new car. Also, renmoney offers loans of up to 4,000,000 Naira conveniently spread over 12 months, at a flexible repayment pattern. And of course, the goal is to make life easier by providing simple, flexible loans made available for everyone.

Furthermore, the reasons you should go for renmoney are because;

They are fast, simple, and convenient
You don’t need collateral or a guarantor
It also includes a flexible repayment plan
The interest rate is competitive...

Kindly read the full article from the source. From the full article, you will get to know how each of them works. You will also get to know how to log in to their various website for the loan application and so other things you need to know to get a loan... https://www.moshinfohub.com/best-loan-app-in-nigeria-2023-for-personal-use/

MVLOX:
nice one there

Glad to hear that. You can also read the full article on the site.

Ikennablue:
thanks a lot. Bookmarked

always welcome...

Glad to hear that. You can read the full article on the site.

Hotworta1:
Thank you very much for sharing. Post like this is very important and highly welcomed here not posts about afonja versus Biafra or Fulani herdsmen bombing nonsense...and who makes the loudest noise!

We were fortunate to come across these awesome sites, each of them doing different things. However, they are also on top of their game because they brought innovation to the world in their own way.

They tend to solve problems in their respective fields. We have used all the sites we will be talking about in the post awesome sites.

Seriously, the awesome sites we will be listing in this post had helped a lot and they are still helping and they will continue to help. Be ready to bookmark them.

The list of the sites we will be talking about includes

i. remove background
ii. Whoer
iii. Globfone
iv. Dingtone
v. Grammarly

1. REMOVE BACKGROUND

Remove Background is a free service to remove the background of photos. It works 100% automatically.

You don’t have to manually select the background/foreground layers to separate them, just select your image and instantly download the resulting image with the background removed.

This site is used to remove image backgrounds FREE

100% automatically in 5 seconds without a single click

Other things you need to know about remove bg are

*It uses sophisticated AI technology to detect foreground layers and separate them from the background.
*You can use it for persons, products, and cars.
*It is 100% free to use.

2. WHOER

Whoer is another innovative website that is used to check your IP address. We love whoer because it is very easy to use.

You don’t need to fill out any form whatsoever, all you have to do is to log in to the sites and your IP will be the first thing you will see.

Assuming you’re using a VPN and you want to confirm if the VPN is showing the exact location you wanted.

Switch ON your VPN and after it is connected, open your browser and type whoer, the IP address will be boldly written so you will be able to confirm if your IP has been changed or not.

3. GLOBFONE

It has always been an innovative VoIP call service which is one innovation we admire a lot.

It is a site that you can use to call any number in the world.

If you need to make a call and you don’t have call credit but you have data/WiFi available, you can simply log into the globfone website and make that call no matter the country the other person stays.

It can make both voice and video calls and can also text. One of the things that makes the site cool is that you don’t have to register on the site before you can make calls.

4. GRAMMARLY

Grammarly AI-powered products help people communicate more effectively.

Millions of users rely on Grammarly every day to make their messages, documents, and social media posts clear, mistake-free, and impactful. Grammarly is an Inc. 500 company with offices in San Francisco, New York, and Kyiv.

How does Grammarly work?

Grammarly automatically detects grammar, spelling, punctuation, word choice, and style mistakes in your writing.

It’s easy to use: Copy and paste any English text into Grammarly Editor or install Grammarly free browser extension for Chrome, Safari, Firefox, and Edge. They will help you write correctly on nearly every site on the web.

The algorithms put in place flag potential issues in the text and suggest context-specific corrections for grammar, spelling, wordiness, style, punctuation, and even plagiarism.

In summary, it is able to explain the reasoning behind each correction, so you can make an informed decision about whether, and how, to correct an issue.

5. DINGTONE

We thought we should introduce Dingtone to some individuals that don’t know the site. The name of the site is “Dingtone”.

Dingtone is a site that issues a virtual mobile number. You can get the USA, UK, and other numbers.

You can pay tokens to get the numbers and you can get them for free. The difference is when you pay, you get the number immediately, but if you want it free it takes about a month or so.

There are some things you will be doing every day on the app which reward you with credits, like logging into the site every day to accumulate credits.

There are other things you can do to accumulate more credits.

The credits you earned can be used to

*Call & text any number.
*It can also be used for getting an international number.
*You can also use the number to verify those sites that need number verification.

We have been using this particular site for the past two years now and it’s still blazing hot. Though there are other apps that do the same thing. We prefer Dingtone because it is easy to use…

If you have other cool and innovative ideas you want us to include on this list, kindly let us know below...

To read the full article from the source: https://www.moshinfohub.com/5-powerful-websites-you-should-know/

The site domain is included sir...

MOORCHMOORE:
Nice research, but no site domain

Allsingles:
Nice information from a good NIGERIA.
Thanks for this pieces of information.

You are welcome man...

No. Still active till this time of writing this post...

BUTTERMILKSUGAR:
I thought ding tone stopped working in Nigeria

Thanks for that...

ndimmadu:
Awesome and educative

We were fortunate to come across these awesome sites, each of them doing different things. However, they are also on top of their game because they brought innovation to the world in their own way.

They tend to solve problems in their respective fields. We have used all the sites we will be talking about in the post awesome sites.

Seriously, the awesome sites we will be listing in this post had helped a lot and they are still helping and they will continue to help. Be ready to bookmark them.

The list of the sites we will be talking about includes:

i. remove background
ii. Whoer
iii. Globfone
iv. Dingtone
v. Grammarly

1. REMOVE BACKGROUND

Remove Background is a free service to remove the background of photos. It works 100% automatically.

You don’t have to manually select the background/foreground layers to separate them, just select your image and instantly download the resulting image with the background removed.

This site is used to remove image backgrounds FREE

100% automatically in 5 seconds without a single click

Other things you need to know about remove bg are

*It uses sophisticated AI technology to detect foreground layers and separate them from the background.
*You can use it for persons, products, and cars.
*It is 100% free to use.

2. WHOER

Whoer is another innovative website that is used to check your IP address. We love whoer because it is very easy to use.

You don’t need to fill out any form whatsoever, all you have to do is to log in to the sites and your IP will be the first thing you will see.

Assuming you’re using a VPN and you want to confirm if the VPN is showing the exact location you wanted.

Switch ON your VPN and after it is connected, open your browser and type Whoer, the IP address will be boldly written so you will be able to confirm if your IP has been changed or not.

3. GLOBFONE

It has always been an innovative VoIP call service which is one innovation we admire a lot.

It is a site that you can use to call any number in the world.

If you need to make a call and don’t have call credit but have data/WiFi available, you can simply log into the globfone website and make that call no matter the country the other person stays in.

It can make both voice and video calls and can also text. One of the things that makes the site cool is that you don’t have to register on the site before you can make calls.

4. GRAMMARLY

Grammarly AI-powered products help people communicate more effectively.

Millions of users rely on Grammarly every day to make their messages, documents, and social media posts clear, mistake-free, and impactful. Grammarly is an Inc. 500 company with offices in San Francisco, New York, and Kyiv.

How does Grammarly work?

Grammarly automatically detects grammar, spelling, punctuation, word choice, and style mistakes in your writing.

It’s easy to use: Copy and paste any English text into Grammarly Editor or install Grammarly free browser extension for Chrome, Safari, Firefox, and Edge. They will help you write correctly on nearly every site on the web.

The algorithms put in place flag potential issues in the text and suggest context-specific corrections for grammar, spelling, wordiness, style, punctuation, and even plagiarism.

In summary, it is able to explain the reasoning behind each correction, so you can make an informed decision about whether, and how, to correct an issue.

5. DINGTONE

We thought we should introduce Dingtone to some individuals that don’t know the site. The name of the site is “Dingtone”.

Dingtone is a site that issues a virtual mobile number. You can get the USA, UK, and other numbers.

You can pay tokens to get the numbers and you can get them for free. The difference is when you pay, you get the number immediately, but if you want it free it takes about a month or so.

There are some things you will be doing every day on the app which reward you with credits, like logging into the site every day to accumulate credits.

There are other things you can do to accumulate more credits.

The credits you earned can be used to

*Call & text any number.
*It can also be used for getting an international number.
*You can also use the number to verify those sites that need number verification.

We have been using this particular site for the past two years now and it’s still blazing hot. Though there are other apps that do the same thing. We prefer Dingtone because it is easy to use…

If you have other cool and innovative ideas you want us to include on this list, kindly let us know below...

To read the full article from the source here: https://www.moshinfohub.com/5-powerful-websites-you-should-know/

For your branding services kindly click HERE