₦airaland Forum

igwedaboss:
Good day sire,
Please, I would like to know how mobile money operators make their money. Do they charge their customers a certain amount of fee or they receive a percentage at a particular period of time. please if you know, kindly enlighten me

Baed on the model used here in Kenya, to deposit into your mobile money account which is your phone number, it is FREE but to send to another number you pay a fee and also to make a withdrawal from your account there is a charge. But one can send to another number paying both the sending and withdrawal charge. The receipient receives an Sms that you have sent him/her a transfer, he.she alongside their ID, goes to the nearest agent with the phone that has the sms in which the withdrawing code is in.

I use airtel money because the withdrawing charges are lower and l do not have to pay for sending to another number irrespective of network. With a Debit card linked to it, l have an option of withdrawing from any ATM with the Visa logo worldwide or make payment over POS.

Beans and maize garnished with Avocado, no pepper, no oil, no onions nothing at all just salt added and that is a Kenyan meal for you! I almost threw up!

i can very much relate to it, it was only swallow we ate in pairs.

Little by little.

Observing, April will certainly come.

My Parish here in Nairobi is just the regular offertory during Mass and once in a while when there is need for collection outside that we are pre-informed of it a week of two before it. Tithing which is optional is first Sunday of the Month.

Hmm....The basic psychological need of a man is respect while that of a woman is love. Neither respect nor love are things that can be forced rather they have to be worked for and earned.
.

Watching how he will get his bail perfected.

This is so serious.

Peritus:
This is a lie. You can't be gay and still be allowed to be a Catholic priest. You will be striped off all the priestly privileges. Why are you guys so hell bent in spiting and denigrating the church and Christ.

The OP, did not highlight the fact that he has been defrocked.

Amyceilyn:
We are into Green House Tomato production at Scot Farms, Uromi, Edo State...we Have Eva tomato,Nemo-Netta and Cherry at affordable prices....we can deliver to Benin, Warri, Abuja etc....we also run consultancy services for people who intend to go into green house farming whether pepper,cucumber,sweet melon,water melon etc....call Manager Scot farms Uromi 07068640699

Do post pictures of your greenhouses (interior and exterior).

anonimi:
Great thread, OP.
Hope business is good.
You should seriously find ways to weight, grade and pack them in various portions for supermarkets and home/office supplies to clients.
Best.

You are so right about packaging them for better market access but so unfortunately we are stuck in our ways! Seein those produce in those basket saddens me when using plastic crates looks better and reduces wastage.

WorldChanger7:
Mobile Money would have work in Nigeria if there is a robust agency network spread to facilitate transactions but currently, majority of the un(der)banked prefer a trusted platform that can guarantee the safety of their deposit and gives them additional value such as interest, microcredit etc. which are not available on Mobile Money

We need a robust agency network. Across Kenya, there about 100,000 mobile money agents offering deposit and withdrawal services. The platforms are secured. They do also offer loan services based on subscriber's credit rating. I can easily borrow an equivalent of $40 from Airtel Money network and choose to pay back either in a week or two at an agreed interest rate and within 2-3 minutes the loan is approved, l get an sms that the money in now in my Airtel money account which is my phone line. I have the option to go and withdraw it as cash from an agent, go to an ATM to withdraw since it linked to Debit card or use it for online payment anywhere Visa is accepted. Once the subscriber repays the loan promptly, the amount he can borrow next time would be increased by at least 25%

As for banks, most of their customers conduct their financial transactions using agencies, some agencies are as small as a 6ft by space and in there one can collect/send Moneygram, Western Union, withdraw and deposit cash into banks the agency represents. They operate 7 days a week.

Mobile money will work in Nigeria, the selfishness of banks will not let them feel comfortable with Telcos rolling out such service, l use Airtel Money in kenya which is basically my phone number and do have a Visa debit card linked to it.

Over limestone!

Farmers should be focusing on irrigation.

ediscuss:
Very big thanks to you... we use to call it likiliki growing up then in lagos

Also grew up in Lagos and have known it as awin.

I laugh at those who base their argument that the 14 year old willingly eloped with Yinusa. A minor has no will of her own.

Elijahrona2:
Wow thanks

You are welcome.

Why did case of his paternity drag up to the level of the Supreme court? A DNA test back then would have sorted things easily!

Elijahrona2:
I noticed this is the season for a fruit we call 'Segun' here at Warri. Calling the fruit is funny if you're around someone called Segun. Please nairalanders help me. What's the English name of the fruit? Or what do you call it in your local dialet?

It is called black velvet tamarind.

That makes sense.

No single story captures any tribe,

Those dogs dey enjoy pass many humans!

The West has a way of making those who wants to be revered as gods in Africa to look common, where are his legion of security details? He is busy there enjoying the benefits of good governance while he has mismanaged Imo State into a dumpsite!

As long as it is not passed into law,he is right!

Okorocha has messed up lmo state.

A refund and conviction is the way to go.

See them going to arrest someone in his house at 4.30a.m but call them about an on-going crime at that same time, they would want you to first come to the station to write a statement....and they want us to believe "Police is your friend".

prologue:
Sir, I have been a keen follower of your ideas. I would like to come to Kenya and acquire knowledge on green house construction and farming techniques. Also, get exposure on markets. Where do I need to start from?

You need to list out what you intend to achieve while visiting Kenya and weeks before arrival engage with the persons/institutions you want to learn from. That would help you calculate time and costs.

Saw an advert where the attached picture was posted, the Advert is sponsored by a big Kenyan agro exporting firm that massively exports Dutch potatoes, fruits and vegetables to Europe. They are looking for farmers who grow the pepper organically as they intend buying tonnes of it for export, What caught my attention was many Kenyans saying if the company was to be Nigeria based it would be easier to source it as Nigerians are more into the variety!

Truly Kenyans farmers don't grow much of it that is why it is not commonly seen in the market as one is only sure to see it in Indian owned grocery stores as Indians consumes it like us.

This shows we have crops that have huge market potentials but lack of adequate knowledge and logistics is just what is hindering us!

askari01:
Lol, You seems to know what's on my mind... That's what We called[b] Better Link[/b] to get UK visa, No Documents, No interview, just submit your passport n get the Visa.

Na so UK dey humgry you so! Abeg go gather your documentation and book for interview!