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Ruke1990's Posts

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Technology MarketTop EMR Software Vendors In Lagos, Nigeria: 2026 Rankings And Reviews by Ruke1990(op):
Nigeria’s Digital Healthcare Shift: EMR Solutions for 2026

Nigeria’s healthcare sector is experiencing a major digital transformation, with Electronic Medical Record (EMR) systems at the center of this change. These platforms are improving patient care, simplifying hospital operations, and strengthening data management. As 2026 approaches, the need for dependable, easy-to-use, and locally adapted EMR solutions has never been greater. This review highlights the leading EMR vendors in Nigeria for 2026, with special attention on Choyom, a solution built specifically for Nigerian healthcare providers.

Choyom: Managing the Entire Patient Journey

Choyom stands out for its ability to handle every stage of patient care seamlessly:

- Patient Registration: Fast and accurate data capture.

- Appointment Scheduling: Automated reminders to reduce missed visits.

- Consultation: Easy access to medical history for personalized treatment.

- Diagnostics Integration: Real-time connection with lab equipment.

- Treatment Planning: E-prescriptions and updated care plans.

- Billing: Simplified invoicing with multiple payment options.

- Follow-Up: Patient portal for results, records, and communication.

Top EMR Vendors in Nigeria (2026 Rankings)
Rank -Vendor Name - - What the Software is best for - - - - - - - - Key Highlights
001- - - - Choyom EMR - - -Small & Large Hospitals, Multi-location - -Local customization, offline functionality, patient portal,
- - - - - - - - - - - - - - - - - - - - hospital, multi-specialty facilities - - - - - - flexible pricing, IT support, on-site training
002 - - - - MediTrack - - - - -Small to medium clinics - - - - -- - - -- - -- - Affordable, simple design, core EMR features like registration, - -
- - - - - - - - -- - - - - - - - - - - - - - -- - -- - - - -- - - - - - - - - -- - - - -- - - -- -- -- - -scheduling, billing
003 - - - - HealthConnect - Large hospitals, multi-specialty facilities- -Cloud-based, telemedicine, pharmacy management, advanced analytics
004 - - - - CareSoft EHR - - -Small Clinics and hospitals - - - - - - - - - - -Lab integration, billing, mobile app access
005 - - - - SmartCare - - - -- Specialty clinics & diagnostic centers - - - -Specialty modules (dermatology, cardiology, radiology), imaging
integration, patient engagement tools


Why Choyom Leads the Pack : Choyom is ranked first because it is:

- Locally Relevant: Designed for Nigerian healthcare workflows.

- Offline Ready: Works without internet and syncs later.

- Comprehensive: Covers the entire patient journey.

- Affordable: Mini, Midi, and Pro plans for different facility sizes.

- Well Supported: In-house engineering team and on-site training.

For inquiries, you can call or WhatsApp ‎+2349028813029 or email info@choyom.com.ng. Demo: https://www.choyom.com.ng/product/electronic-medical-record-software

Conclusion

Nigeria’s healthcare industry is embracing digital innovation, and EMR systems are central to this progress. Choyom stands out as the most locally adapted and comprehensive solution, but other vendors like MediTrack, HealthConnect, CareSoft, and SmartCare also provide strong options depending on the size and needs of each facility. Choosing the right EMR system in 2026 will be key to improving efficiency, patient outcomes, and long-term growth.
Technology MarketWhat Is The Best EMR/HMIS Solution In Nigeria? by Ruke1990(op): 11:33am On Jun 14
When people ask “What is the best EMR/HMIS solution in Nigeria?”, several platforms are often mentioned. Most of those systems have made strides in digitizing healthcare records and hospital workflows.

But if you’re looking for a solution that is homegrown, fully featured, affordable, and tailored to Nigerian healthcare realities, then Choyom EMR/HMIS clearly stands out as the best choice.

🌟 Why Choyom EMR/HMIS Is the Best in Nigeria

Homegrown Solution: Unlike imported systems, Choyom EMR is built specifically for Nigerian hospitals and clinics, ensuring it aligns with local workflows, compliance standards, and patient needs.
Comprehensive Features: It covers patient registration, consultation notes, prescriptions, billing, inventory, laboratory management, and reporting—all in one integrated system.
Affordable Licensing: At just $180 per annum, it’s far more cost-effective than most alternatives, making it accessible for both small clinics and large hospitals.
Reseller Program: With a $90 per annum reseller fee, partners can earn while expanding digital healthcare adoption.
Ease of Use: Designed with simplicity in mind, staff can quickly adapt without extensive training.
Local Support: Direct support channels to ensure fast resolution of issues.
📌 Final Thoughts

While Nigeria has several EMR/HMIS solutions, Choyom EMR distinguishes itself by being locally developed, fully featured, affordable, and supported by a dedicated team. It’s not just software—it’s a strategic partner for healthcare providers who want to digitize operations without breaking the bank.

👉 You can explore a demo and download Choyom EMR directly at Choyom EMR - https://www.choyom.com.ng/product/electronic-medical-record-software
Technology MarketHow To Choose The Right Pharmacy Management System by Ruke1990(op): 10:00am On Jun 14

https://www.youtube.com/watch?v=VCDsLiToJbE

Managing a pharmacy now is far more difficult than it used to be. Pharmacy owners must rely on dependable tools to remain competitive, as they juggle tasks like following regulations, managing stock, providing good customer service, and maintaining profitability. That’s where a pharmacy management system (PMS) becomes really useful. But with so many choices out there, how can you find the best one?

This article gives a thorough explanation on selecting the best pharmacy management system, covering the key features, expenses, and important factors to keep in mind. By the end, you'll understand why Choyom Pharmacy Management Software is a top choice for pharmacies in Nigeria.

🌍 Why You Need a Pharmacy Management System
A pharmacy management system is more than just software—it serves as the foundation of your business operations. The right PMS can:

-Organize inventory to avoid running out of supplies and using old medications.

-Automate billing for faster transactions.

-Ensure compliance with NAFDAC and PCN regulations.

-Boost customer satisfaction by keeping accurate records and offering loyalty programs.

-Increase profits by cutting down on waste and making the most of sales.

🏆 Key Factors to Consider When Choosing a PMS
1. Features
-Look for essential features such as:

-Inventory management

-Sales and billing

-Customer records

-Regulatory compliance tools

-Multi-branch support

2. Ease of Use
A simple and easy-to-use interface helps cut down the time needed for training and makes it easier for staff to start using it.

3. Cost
Compare subscription vs license fees. Affordable solutions designed for Nigeria usually offer more value compared to costly international systems.

4. Scalability
Pick a system that can expand as your business grows, allowing it to handle multiple locations and users.

5. Data Security
Make sure the system keeps sensitive customer and business information safe by using backups and allowing access based on user roles.

6. Support
Having dependable customer support is essential for quickly fixing problems.

📊 Cloud vs Desktop Systems
When selecting a PMS, you usually have to choose between a cloud-based system and a desktop-based option.

Criteria
-Cloud PMS or Desktop PMS
-Accessibility: Anywhere with Internet or Limited to Installed Device.
-Updates: Automatic or Manual
- Full Cost or License Fee Subscription
-Data Security: Vendor-managed or Pharmacy-managed


⚖️ Balancing Cost and Features
Not every pharmacy needs enterprise-level systems. Small pharmacies might find it more helpful to use cost-effective solutions that focus on essential features, whereas larger pharmacy chains might need more sophisticated tools that offer detailed data analysis and support for multiple locations.

🌟 Why Choyom Pharmacy Management Software Is the Right Choice
Choyom Pharmacy Management Software stands out as an excellent choice, combining cost-effectiveness, useful features, and suitability for local needs.

✅ Key Benefits:
-Affordable License Fee: Only $180 per annum.

-Reseller Opportunity: Earn money by paying a $90 fee each year.

-Quick Download: Available at Choyom Download URL.

-Dedicated Support: Contact via WhatsApp +2349028813029 or email info@choyom.com.ng.

-Tailored for Nigeria Pharmacies: Built with local pharmacies in mind, ensuring compliance and ease of use.

Unlike global solutions that charge hundreds or thousands of dollars, Choyom delivers enterprise-level functionality at a fraction of the cost.

https://www.choyom.com.ng/blog/how-to-choose-the-right-pharmacy-management-system
PoliticsRe: Shock As Nigerian Beggars Form An Official Organization, CEO Introduced In Viral by Ruke1990: 6:42am On Oct 04, 2025
Membership dues money is sweet. Going forward no one is illegal begging will no more be tolerated from unregistered beggars outside the association. Get your membership form and be registered. A daily begging fee of N500 must be paid to the union before commencing begging for the day
PoliticsRe: Dangote Refinery Asks Nigerians To Stand Against TUC, PENGASSAN by Ruke1990: 8:16am On Oct 01, 2025
bixton:
Continuing telling fairy tales.

No be only 50k per truck them dey collect as dues. If you know anyone please let them show you proof of payment and to whose account?
Dangote himself mentioned this is the union charge at his refinery. Do you have half of the sense and know more about dangote refinery than dangote himself?
PoliticsRe: Dangote Refinery Asks Nigerians To Stand Against TUC, PENGASSAN by Ruke1990: 8:00am On Oct 01, 2025
owobokiri:
With pump prices at nearly 1000 a liter, while you are lifting a significant quantity of your crude from local sources!?!?!
No be only to stand up.
Do we need to jump up and down too?
FG sells local crude to dangote at OPEC approved price. Dangote only gets 45% from FG, he sources 55% of the required crude from overseas at pays at international price. He was able to crash the price of crude oil from N1400 to slightly above N800. He is telling you that Nupeng, pengasson dues apart from FG NPA loading fee is part of why the petrol still costs that much. These unions have mostly importers competing against him and they charge tankers loading at his refinery N50,000 per tank. This fee is passed on to the petrol buyer. Even after dangote decides to buy trucks and handle the logistics freely by himself eliminating the cost of delivery, if unions are allowed to impose arbitrary charges, the petrol users won't see any changes in price.

Besides, N50,000 per loading tanker x 10,000 trucks loaded daily = N500, 000, 000 per day collected as union dues. Multiply that by 365 days of the year = N182, 500, 000, 000 as union dues from.petrol tank drivers in one year alone. This will be shared by less than 20 persons called exco

Wetin dey burst pengasson and nupeng head, na the potential dues from estimated 30,000 dangote workers. The figure is big and the potential revenue from their union dues collection can make anybody head burst. 30,000 x N20,000 monthly dues = N7,200,000,000 per year in dues from dangote refinery alone. All these monies to be shared by less than 20 persons called union exco. Searchight needs to be beamed on the finances of unions in Nigeria
CareerRe: Dangote Refinery: We Sacked Few Workers, Over 3,000 Nigerians Still Employed by Ruke1990: 6:35am On Sep 27, 2025
Zionmdde:
You should know better to hold your own union accountable
Am yet to see pengassan members complain what you are complaining

Everybody wants to work in oil companies, if pengassan didn't ensure staff welfare is what it is today, will people desire to work there?

As a federal worker, you should know better than to be generalizing for all the unions, if your union has outlived its purpose opt out
if you are old enough, you should know frank kokori. That is the union leader that sacrificed his life for pengasson and nupeng to earn the huge pay they earned. He was jailed for many years and beaten by the millitary administrations until he lost his health and was only recently released from jail (less than 5 years ago) but didn't live long after. But his struggles is what made oil workers salaries to be increased. They actually earned peanuts before his time. Do you know that many oil company jobs were given out to contractors to supply contract staff and their salaries were massively splitted. After frank kokori era, None fought for them. No one fought against turning staff to casual workers, or reduction in salaries of so-called contract staff. MTN contracted all their work out so as to pay less. Till tomorrow, the telecom workers association didn't do anything about it. If you don't understand, pengasson and nupeng are not fighting for dangote staff interest, they are fighting for dues.

Dangote employs let's say 20,000 staff multiply by 10,000 monthly dues. They will make not less than N2, 400,000,000 yearly from dues collected from dangote staff salary. Did you not read that these unions already collect N50,000 dues per tanker loaded at dangote refinery. Obviously, they don't want to peg it to fixed monthly payments because one tanker can load many times in a month and that would be several billions of naira in dues. Is that the people you think are fighting for the workers interest? Do you know how many people have been laid off by oando, agip, MRS without union making any noise? Did otedola not tell you in his book of how he sacked people anyhow in his company, did pengasson or nupeng intervene?

American companies eg Chevron are generous to workers. it is not union that make Mobil or chevron treat workers fine. Travel all over the world, in any country you find an American company you find generous pay and perks of office. In contrast, wherever you find Asian companies, you find exploitation and slavery. It is the culture of their origin countries that reflect. Nigeria doesn't need senseless and exploitative labour. What they need is a functional government. Like in Italy or UK where you can report an employer to the court or to a govt agency and the employer can be fined for not treating you right while you get compensation. The ministry of labour needs to modernize itself and come out of stone age . 99% of Nigerian labour unions have joined hands with employers to.exploit employees through dues while not providing them the promised services
CareerRe: Dangote Refinery: We Sacked Few Workers, Over 3,000 Nigerians Still Employed by Ruke1990: 6:07am On Sep 27, 2025
Zionmdde:
Small education for you
Union is strictly there to protect the interest of its members so you can't just wake up tomorrow and sack them for nothing without realizing that you are putting them and all their dependents into hardship

What is happening with all these Lebanese and Chinese companies is pure slavery and that's dangote's model. Unionism is one of the major pillars of the UN ILO

You guys can keep supporting injustice, it will reach everybody
I am a federal govt worker for 11 years. There are many requests approved by the industrial court 12 years ago, union cannot fight for the implementation. There are times our allowances were cut off by our local mda for 2 years, union did not ask for explanation or even fight for it. The federal minimum wage has not been properly implemented for health workers and judiciary workers, we all got 40k flat payments instead of the usual percentage increments done by government which would have given us more than 40k salary increase. Our salary structure is overdue for review 12 years ago. So many Mou signed but the union declared strikes thrice, we were even denied 2 months salary because of strikes. But at the last hour each time, once they get presidential invitation and have dinner with the presidents, they will call off the strike after they are bribed and we will be asked to resume reversing the progress made
Unionism without union dues deduction is the way forward in Nigeria because now most of these unionists are rogues feeding fat on colleagues salaries and deductions but not willing to sacrifice or fight for their colleagues. Unionism should be outright banned in Nigeria because they have outlived their usefulness and now exist to feed on workers.
PoliticsRe: 91% Of Nigerians Can't Afford Healthy Meals by Ruke1990: 4:19pm On Sep 25, 2025
Healthy meals are not in Nigeria. The beans you buy from fulanis are mixed with snipers or bag of cement to prevent weevils. Your fufu is prepared with detergents, your roadside plantain chip is fried using transformer oil. Your melon is grinded without washing. Your garri these days are mixed with sand. Your Fulani cow rearers have sex with the cow sold to you as beef. Your indomie spices are made using dangerous chemicals
So where is the healthy food in Nigeria
EducationRe: Nigerian Companies Fail To Fund Research But Actively Sponsor BBN - Don (video) by Ruke1990: 4:08am On Sep 17, 2025
Because they seek brand awareness not innovation
EducationRe: Chinese Language Added To Senior Secondary Curriculum – Education Secretary by Ruke1990: 8:01pm On Sep 16, 2025
Maybe this is one of the new conditions given to Nigerian government to continue to enjoy Chinese loans. These politicians don't tell us the truth
PoliticsRe: FULL LIST: Multidimensional Poverty Across States - Sokoto, Bayelsa, Gombe Lead by Ruke1990: 10:32am On Sep 08, 2025
FG invests trillions of naira in Lagos yearly leaving out all other southern states. Lagos has the highest revenues (allocation+ IGR)l. Yet, Lagos poverty ratio is higher than that of Lagos
RomanceRe: Why Did God Give Us Powerful Sexual Urges And Still Dont Want Us To Have Sex . by Ruke1990: 6:50am On Sep 08, 2025
AllBlack:
Your God made birds to fly naturally and fish to swim professionally from birth but packed all these urges in your body and left you to train yourself till the day you die.

That sounds very nice and considerate.

Please come up with another wonderful excuse why I should not use my ability to f&ck as many females as much as I want to. Training? Hahahahahahahaha.
You can as well do whatever you want with your body. That's also a part of your design. You were designed to have lots of choices with each choice having varying implications. So whatever suits you, you are free to do. That's the beauty of your design

Animals were not created to have choices like you. That's why carnivores cannot choose to become vegetarian. But you can choose to become one. Domestic animals cannot choose to become wild animals. They are not given ability to do just anything they choose to do. But as a human being, you can choose to go wild by fuc.king animals, infants and fellow men. God doesn't stop you.

Have you ever seen a goat fuc.k a dog or a cat fu.cked by another specie of animal. Animals don't fuc.k same sex or other species of animals. That's because they have no choices than to do what they are created to do. You that is a human being, given free will to do whatever you will like to do now prefer to compare yourself with animals
RomanceRe: Why Did God Give Us Powerful Sexual Urges And Still Dont Want Us To Have Sex . by Ruke1990: 11:21am On Sep 07, 2025
Because he wants you to train yourself to be strong and be able to control your mind. He doesn't want to create a second satan that was too weak to shut out the thoughts of insurrection. So man was created with many tendencies and a will. Only those men who trained their mind to resist sin will be taken to heaven. Men will be as angels in heaven according to Christ

We are the 2nd batch of sons of God that will be called up to heaven after being created. Satan was in the 1st batch. In the 1st batch 1/3; of the spirits failed. They weren't trained to control their lusts or shut down negative emotions. But we in the 2nd batch are being made to go through this temptation process inorder to strengthen our character before we are called up to heaven and be like the other angels there

It will be better to filter out those who are likely to betray God by falling into sexual lust, pride, lie and other sinful tendencies here on earth first without giving them the privilege to go to heaven to go and play the role of a second lucifer
Foreign AffairsRe: Top 10 African Countries With The Best Government: CGGI 2025 Rankings by Ruke1990: 4:06pm On Sep 06, 2025
The point SA constantly misses is that south Africa is 5th best governed in Africa. It won't take long before they too will start travelling to other parts of africa. Governance in Africa is taking a positive turn gradually
BusinessRe: Sujimoto Shares His Own Side Of The Story - Breaks Down In Tears! by Ruke1990: 4:00pm On Sep 06, 2025
Nigerian politicians and public sector CEOs are the worst people to take contracts from. It either goes fine with you and them sharing the bulk of the project money while delivering low quality project or it goes sour with them collecting their share, your expected share and part of, if not all of the project money. Most times, you have to be in thesame cult group with them for them to even give you your share from the contract. If not, them fit use your brain, refuse to pay you the balance or even stop funding the project midway after they have decided ways to pull the money out of govt account
PoliticsRe: Tribal War: Do People Get Paid To Instigate It As Widely Publicised? by Ruke1990: 9:54am On Sep 06, 2025
Many of the Nigerian influencers, Civil Society Organisations, are working for politicians. Reno omokri, Fani Kayode are not just politicians, but influencers working for any highest paying politician.
CrimeRe: Nigerian Based In SA Had Altacation With Members Of Dudula by Ruke1990: 9:33am On Sep 06, 2025
Lioness5280:
LMAO. Oh here comes the poor little victims of other countries.


Why do you suddenly love black people when you are in a functional environment, why not start taking care of them in Nigeria?

Why is your APC government not taking care of it's citizen's Needs?

And Europeans would never demean themselves by coming to our public hospitals and Schools,why are you different? Why demand something not meant for you ?. When Europeans come here ,they have health insurance and we do the same when visiting other countries, why is your own different?


So SAns should pay for the healthcare of Africa? What is the duty of your governments? So we must oppress ourselves with heavy taxes in fear of being black shamed by people who don't want to hold themselves ( governments) responsible?
Dey play lol.

SA is not responsible for the black race ...we all have responsibilities, and you should play your own role instead of condemning yourselves to be world's burden. Put down those tribal and religious swords and you will see that Nigeria cam only function when you all put your heads together. We are doing it here even with the most difficult challenge ( race). You are all black with the same history, yet this is what you made of yourselves? You should be ashamed instead of trying to shame others in foreign lands.

You have everything to make Nigeria a country to be but you chose this route and you'll pay for it .


Yes,SA is such a messed place but your people can't leave it alone?. Why tell them to be careful,why not tell them to come back and enjoy free basic amenities over there? Or are they only entitled to those in foreign lands ?

I'm not surprised you are an APC member. No wonder you don't want them back to expose and fight their own government.lol
Many educated Nigerians like me (not those drug smugglers) who once fancied the idea of visiting south Africa have completely cancelled South Africa from our hearts looking at the venom and hate spilled by average south Africans against other blacks in Africa most especially Nigerians, Zimbabwe, Kenyans, etc.

The rest of Africa is developing however slow the pace. But the idea most SA have (going by their comments here and in all social media spaces) is that SA is heaven in the middle of hell. The other African countries are seen as hell. However, it's not true. SA is more industrialised than the rest of Africa, but Morocco, Seychelles, Mauritius are equally doing well. When it comes to income, and some other indices, SA is not alone. I was surprised to read that equatorial guinea even pay tech staff far above south Africa and the other more developed countries. So the rest of Africa is not hell as perceived by SA.

Back to your post. It appears, you are trying to say, free emergency medical care is strightly an indigene or citizen right - not a non-citizen right in SA. Well, it's possible for that man to have had SA citizenship if it's free for citizens. But if by SA it is an indigenous right, then the Nigerian man is completely wrong to go near there

The emotional reaction and public outrage from south Africans whenever the word "Nigeria" is mentioned has nothing to do with drugs as they allege. The average black SA has hate problem and it feels like majority of black SA suffering in the midst of plenty has conditioned you guys to this psychiatric condition. Could it be post-apartheid PTSD or what? I don't understand your grieving conditions

White SA do not complain of anyone doing drugs or taking away their jobs the way you blacks do. This tells, they nurse no hidden grievance or hate. Black SA hate minority white SA, also hate blacks from the rest of Africa. So it's a hate problem for which you guys need a "national medical rehabilitation".
PoliticsRe: Northern Governors Back Tinubu On Creation Of State Police by Ruke1990: 8:53am On Sep 06, 2025
Mrexcell:
Whatever their real motives are tinibu should use the advantage to create it immediately without wasting any more time it will surely benefit the entire south and even the middle belt more when a fulani man who is well known for abusing power becomes president again it will become a kind of buffer to their excesses a lot of state governors really suffered when buhari was president they couldn't do anything to stop fulaniherdsmen from massacring their people because buhari vehemently refused to give the orders for nigerian security agents to go after them.
I support creation of state police and do not understand what is still delaying it since tinubu summoned all the governors from day 1 to Abuja to think about it and give him their opinion
A workable state police solution should be one where the number one boss is not a political appointment but appointed by a civil service process based on years in service, awards won while in service and inputs from civil society groups/community leaders. While a governor may have power to remove the person, he must not be given power to appoint. Even the removal must be only when there is evidence of corruption, abuse of due processes or serious petitions from the public on issues involving partisan and criminal behaviours from the leader. Upon removal, he must be entitled to his salary for life - incase it is politically motivated so that officers in that position will not bow to the whims and calories of the state governor even if they take operational instructions from them. The police boss salary must be deducted straight from the state allocation before the state gets it's share
PoliticsRe: Northern Governors Back Tinubu On Creation Of State Police by Ruke1990: 9:05pm On Sep 05, 2025
zeuss:
The north used to be at the fore front of posing as a stumbling block to any suggestion for the introduction of state police but alas they no longer hold the aces and the failed quota structures the encouraged has exposed them terror thus the are pushing for it now. Evil wind never blows anyone good ultimately.
These northern politicians have evil intentions beneath this open support. They may be looking for a state police they can use for 2027 election rigging since it will be under their control. Tinubu has completely emasculated them and strapped them of their electoral value. I guess they are seeking to use the state police for a come back.
Northern politicians are not known to supporting good things. So this calls for suspicion of their true motives. Northern politicians who even lied that no more insecurity under buhari are now shouting everywhere about insecurity. Their brand of politics is unfortunate one
Jobs/VacanciesRe: VACANCIES: Python Programming Trainers Needed In Abuja by Ruke1990: 7:47am On Sep 05, 2025
Will you pay up to N1m monthly? I need to see the salary structure to know if it's worth considering sir. Make Una dey try attach the salary range to local job adverts for clarity sake
PoliticsRe: Exclusive: How Former Minister Malami And Ex-rep Shehu Koko Imported Notorious B by Ruke1990: 12:16pm On Sep 03, 2025
alpharoyalty:
Open truth...
The north irrespective of party allegiance have their hands in the importation of killer herdsmen from neighboring Muslim countries like Niger, chad, mali and central Africa Republic.
A strategy they used at both state level and federal level to destabilize Nigeria and brought in buhari
The Fulani are too desperate for power and can kill or do anything to get It even though they have nothing upstairs and nothing to offer. Fulanis need to be tamed for the country to progress
PropertiesRe: Nigerians Can Now Access Mortgage Loans At An Interest Rate Of 6% For A 30yrs by Ruke1990: 12:04pm On Sep 03, 2025
NHF is scam for federal workers. Our money is being deducted, but we are told we cannot get the application form from FMBN offices. I have worked for 11 years, federal workers do not have access to application form. Even the FMBN boss in ekiti years ago told us it is impossible to get the form from the federal civil servant cooperative society except by institution bribing on our behalf and that even at that the form released are always too few that only just one or two persons per MDA corners everything .

Why do we need to access mortgage from through a federal civil servant corporative society and not by downloading from FMBN website. Afterall, we are not members of such corporative society. You see that politicians create these things to steal contributed money and to empower their boys. If not why make it impossible to access the application form but automatic to deduct our funds upon employment
IslamRe: Sokoto Government Introduces Monthly Support For Imams And Mu’azzins by Ruke1990: 11:38am On Sep 03, 2025
AntiChristian:
What about when your God was both political and religious in the old testament? Was He anti Christ too? Anyways, God wey be one and three! God wey dey die! God wey dey turn man! May we not lose our senses!
Haven seeing your monicker, I am elated that the antichrist has appointed someone to defend him. So this your defense line is straight from the realm of the anti Christ kingdom
IslamRe: Sokoto Government Introduces Monthly Support For Imams And Mu’azzins by Ruke1990: 10:40am On Sep 02, 2025
Islam is the anti Christ religion. Islam is both political and religious movement. Same is the antichrist of the bible who must first be preceded by a false prophet who will decieve the godless world into this false religion and worship of the antichrist
PoliticsRe: Hate Politics Introduced By Tinubu APC And His People by Ruke1990: 2:08pm On Aug 31, 2025
The Yoruba people smile with you when they eat from you. When you try to eat from them their tribal consciousness comes alive. They would realise you are not their brother and start throwing tantrums. That's the relationship between the south south people and the Yoruba people
PoliticsRe: “nobody Knows Tinubu's History"- Sule Lamido by Ruke1990: 6:14am On Aug 31, 2025
The CIA already said he is CIA asset dropped off Into Nigeria. A spy cannot have relatives in the country where they are spying
AgricultureRe: Smoked Catfish Business: I Invested, Now Where Do I Sell My Fish? by Ruke1990: 5:56am On Aug 31, 2025
@brain54 has given you all the clues you need

Your hottest buyers are hotels and restaurants near you who will make daily orders. Talk to 3 to 5 hotels around you. Give them your contact and be ready to take it to them on demand even if it's just 5 piece per request. Next, find traders in the market who sell smoked fish, figure how much they buy and see how you can offer them a marginally lower price even if it is N20 lower. They will eventually start sourcing from you. If you have supermarkets that buy such fish, consider approaching them for order supply. Taking it to them personally will give you some edge if they already don't have someone coming to supply them personally

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