₦airaland Forum

Thundafireseun:
May God Almighty continue to Bless President Tinubu with Wisdom…

He is still the best man alive for the job

Modified …. For those children quoting me ….Okonjo Nwela’s father was kidnapped and tortured when she tried to move for subsidy removal… Jonathan and Buhari didn’t have enough balls to remove it…

Governors receive 3 times more money from Federal government…. Hold your governors accountable for a while

the same governors that held Gej so he won’t remove subsidy
Na the thunder wan de your moniker go fire you

After you have destroyed peoples home and relationship

Blessing ceo
This one no go end well

madridguy:
Name 50 Yoruba streets in the same Ebonyi state and I promise I will return with 500 ibo street names here in Alimosho LG area of Lagos.

but same Yoruba people are named after street in london and America and nothing is wrong it but e reach ona them wan take over Yoruba land

Na hypocrisy go kee ona

Can any key pin corruption against obj, Gej or atiku

De play

Soon my remittance service will join this and it will beat Accessbank 🥰

aswani:
How did it go, at least show us nau so that we too will see?

I guess maybe next time, we shouldn't have elections sef, we should just ask you to decide as you know how it goes.

and you expect me to, the same Igbos that voted
Yaradua
Atiku
Obasanjo
Gej
Suddenly became tribalist because a competent man comes from their region
Continue to de play

Eye wan de cry
E no de find cane wan de make am cry

aswani:
Have you got proof he rigged, why didn't you hand them over to Peter Obi's lawyers at the Tribunal?

I am not APC by the way, it is just getting tiresome when you people won't accept Peter Obí cane third despite not having proof otherwise.

agbado rest
Except you’re blind to sentiment
We know how it went

No be to de chocho

nairalanda1:
No let her have the baby, as abortion always causes issues.

it won’t
They should look for a good doctor who specializes on d&c

She will be fine after 2days

Tinubu that had three deputies in 8years and fielding different political parties is the one y’all are surprised that he won’t do same as a rigged in president

Make ona de play 😂😂

Make ona go abort the nonsense and send her back to her fathers house so she can continue school and will use that to learn a lesson

Jarvis no suppose date peller in the first place but most women don’t know their selves

She look so much like my coworker here in America and she’s South Africans too 😂

For me I’ll suggest you go into agricultural consumable goods here’s how I’ll do it if I were you

First, let’s handle the legal side. You’ll want to register your business with the **Corporate Affairs Commission (CAC)**—that’ll cost you around ₦30,000 to ₦50,000, depending on how fast you want it done. Once that’s sorted, open a **business bank account**—some banks charge as low as ₦5,000 for this, while others might go up to ₦20,000. Having a separate account keeps your business money organized and makes you look more professional.

Next, the most important part—**stocking up on products**. Since you’re focusing on palm oil or other farm goods especially palm oil, you’ll need to find a reliable supplier. With about ₦200,000 to ₦250,000, you can buy in bulk, which usually gets you better prices. Don’t forget to factor in transportation costs—moving goods from the factory to your storage might take another ₦20,000 to ₦50,000, depending on distance.

Now, let’s get your business online. You’ll need a **simple website** where people can see your products and order. If you’re not tech-savvy, you can hire a freelancer for around ₦100,000 to ₦150,000. But if you want to save money, you can actually build one yourself using platforms like **Wix or Carrd**—there are tons of YouTube tutorials to guide you.

To accept payments online, set up a **Paystack or Flutterwave account**—they’re easy to use and won’t cost much to start. Then, create social media pages (**Instagram, Facebook, TikTok, Twitter**) to promote your business. You don’t need to spend much here at first—just start posting regularly. If you want faster growth, you can put aside ₦20,000 to ₦50,000 for ads to reach more people.

For branding, spend about ₦30,000 to ₦50,000 on **packaging and labels**—this makes your products look more professional and trustworthy. A nice logo and neatly packaged goods go a long way in convincing customers to buy from you.

Finally, keep at least ₦50,000 aside for **unexpected expenses**—maybe extra delivery costs, sudden price changes, or small emergencies.

**The key here is consistency.** You might not make huge profits on day one, but if you keep at it—posting daily, engaging customers, and restocking smartly—you could easily start making **₦10,000 to ₦50,000 daily** within a few months. Reinvest your profits to grow bigger, and soon, you’ll be glad you started!

Is the Ibadan not in Nigeria ?
Or the Igbos not Nigerians

Na wa

tanigororo:
I won't measure the industry by the number of the unicorn it produces, I will judge it by how far it has come despite all odds.
This is a country where you have more reason to fail than succeed, yet you are not expected to fail.
To begin with how long have you been into programming or the IT line?

I’m not into IT or programming but I’m working on an edtech startup and bootstrapping all by my self with a few team.

tanigororo:
I guess you are having Akatalarization Disorder, Nigeria developers are solving problems that are peculiar to their environment not some trendy fancy solutions that has no market. Those fintech solutions you are criticizing solves a lot of fundamental problems that major financial institutions refuses to solve because it's too small for them.
Those ML you are talking about is not yet solving problems for small businesses in Nigeria, invariably not a mass market for everybody.

please throw words at me
Just reply one unicorn outside fintech in Nigeria or africa as a whole

flokii:
Yorubas need to wake up and fast..
Lagos used to be serene up till the mid 90s' till everything changed.. it started with Balogun market, then Computer Village, Trade Fair and now all across the State.

Is Nigeria at war?.. why the unchecked influx of people into Yorubalands?

Is South West the only habitable region in Nigeria?.

Those in Ogun, Oyo, Osun, Ondo etc. must wake up and avoid the mistake made in Lagos.

those criminals who where arrested if recent
Are they from southeast or south south

If you don’t want other Nigerians to come to Lagos take Lagos to Ghana or Senegal or better still fight for it independent
Other than that
There’s nothing like Yorubaland
It Nigeria land y’all use Nigeria passport and ID’s

Okponuoshi

Let me tell you my painful story! Since I left Nigeria, I've been using my Nigerian bank account to save money, thinking it was secure. What a joke! One morning, I woke up to an email alert - ₦150,000 GONE! Just like that! No OTP, no transaction notification, nothing. My hard-earned money disappeared into thin air!

I immediately called the bank, sent emails with transaction receipts, filed complaints, submitted documents - I even involved the branch manager. Guess what? Till today, nothing! Just endless "we're investigating" messages. Abeg, which investigation takes two months? Are they trying to locate MH370?

I was so frustrated that I withdrew every single kobo from that account and moved everything to crypto. At least there, I control my money. No bank manager can wake up one day and play games with my funds. Now when I need to send money to family, I transfer the exact amount needed and send it immediately - no more keeping money in that bank!

Don't even get me started on the VDM vs GTBank drama 😅. If they could arrest VeryDarkMan just for complaining about his mother's missing money, who am I? Just another small fish they can ignore forever?

I remember when my CapitalOne card in the US had fraudulent charges of $76 and $23 at Walmart - one phone call and they blocked the card immediately, refunded all my money within a week, and issued me a new card!

But in Nigeria? Ha! Different story entirely! Which makes me wonder - what's the point of BVN and NIN? We provide all our personal data, but when fraud happens, they act like tracking money is rocket science. Yet if you owe them just ₦500 in charges, they'll freeze your account before you can blink!

Are Nigerian banks above the law? Isn't there any regulation forcing them to refund customers when fraud or errors occur? CBN has guidelines, but how many people actually get their money back without years of fighting? Some people go to court, and by the time they get justice (if ever), the bank has moved on like nothing happened.

And customer service? Please don't go there! They treat you like a nuisance for asking simple questions. Wrong transfers take forever to reverse, mysterious charges keep appearing, and complaints disappear into a black hole. Yet these same banks make billions in profit every year!

What's really going on in Nigeria's banking sector? Why do banks have so much power that even regulators can't control them? Are the laws weak or are the banks just too big to fail?

Has anyone else experienced this? How did you get your money back? Or are we all just supposed to accept that once money enters a Nigerian bank, its safety becomes a gamble? Let's discuss!

PS: If anyone knows a better way to keep money in Nigeria without using banks, please DM me. This situation is exhausting! 😩

Ttalk:
You just want to justify container economy you practice in your region.

Your Obi supermarket depends on importation of junks into the country and you want naira to appreciate.

Are you expecting a fiat pronouncement that will make naira appreciate overnight?

Let your charity begin at home and first tell your Obi to embark on building a business that will produce products that Nigeria can buy and export, stop blaming the president for the problem caused majorly by your brothers

oga rest
Everything is not politics

Criticize constructively
America is an import dependent economy
They only export creativity and import the final result

If you have a well export margin you’re good
Take countries like Switzerland
And the rest are all import dependent and they are all doing well

My people to own a dog is like owning 5children at once
I had a Siberian husky
I had to give it out cause e nearly killed me
And bought a cat

I got two which is east to maintain than one dog


Don’t me wrong
I love dogs but their wahala too much

algomachine:
Seems like you’re new to tech, but I digress.

Firstly, all tools you use were built by the whiteman, whatever programming language, infrastructure, cloud providers just name it were built by them. Some build it for free hence the term Opensource and this is literally impossible to do in Africa (tell me a free service, I’m waiting), poverty would finish your life if you try this when there’s no food stamp or help from government.

Secondly, there’s no market for innovation in Nigeria. Build the best app and watch your company soak in depth (Aws, hosting, salary etc).

Thirdly, you’re a bloody Third world country for a reason. Have you ever integrated NIPSS api that has numerous downtime? Have you been to remote areas outside towns to see that they can’t make phone calls let alone browse? Or you think that’s not Nigeria?

Fourthly, the brilliant minds won’t wanna stay in Nigeria with you. They wanna build a name outside, become citizens there then maybe come back once in a while. This is brain drain (they know they’re finished staying in Nigeria for 500k jobs)

Lastly, there are tons of ideas that would never make it in a third world country. I wanted to replicate FHIR api for healthcare centers but in Nigeria, this api would ensure that doctors have all patient data and health history in a centralized repository, but how do you think such an innovation would fly in Nigeria where most hospitals or primary healthcare centers don’t have electricity.

Let me stop here cos when you guys ask questions, it just makes me laugh

bro I’m not new to tech and I’m currently in the US
I am not a coder or programmer but I love innovation and I’m currently working on one in the edtech space. I’ve got 3000 pre sign which validate it demand. My question in as much on everything you stated, we still developers who re doing well, like those who are currently working with foreign client and get paid in hard currency. Can’t they come together and out in resources together and build an ecosystem to scale different ideas?. Elon and his pals that created PayPal are all programmers who came together and put resource together to fund it and today they’re all doing well, elon is an example. Bro we can do it and it not had

MindHacker9009:
Did you open this thread just to comprehend or just opened it without comprehending?

If Nairaland is not innovation to you, then show us your own innovation.

oh my God
🤦🏽‍♂️
See who I share same country with

MindHacker9009:
Is Nairaland you have posted on and their spam bot not innovations?

did you read to comprehend or just read to comment without comprehending ? Which one

Mbappe left to win champions league and guess what


Psg won it 😂😅

I’ve been observing the tech scene in Nigeria and Africa for a while, and I can’t help but feel disappointed by the lack of real innovation. Don’t get me wrong—there are a few brilliant minds doing amazing things, but the majority? It’s just copy-paste, especially in fintech. Everywhere you look, it’s another crypto app, payment solution, or digital bank.

Now, AI is the next big thing, and instead of challenging themselves to build something groundbreaking, many are just replicating what’s already out there—and often poorly. Some even use these copied ideas just to raise investor funds, knowing the projects will crash because there’s no real innovation behind them.

Look at the West. Most of the world’s biggest innovations came from people solving real problems. Uber’s founder didn’t own cars but created the largest ride-hailing service. Coursera’s founders didn’t have a physical school but built the biggest e-learning platform. Canva’s designer didn’t chase clients—she made a tool that millions now use daily. Even OpenAI integrated it into their system.

Meanwhile, in Nigeria/Africa, many developers just learn to code and wait for foreign clients to pay them. Why not use those skills to solve our own problems? We have endless issues in edtech, logistics, agriculture, e-commerce, healthcare—yet the few unicorns we celebrate are almost all fintech (Opay, Moniepoint, etc.).

Yes, our government is terrible, but are we also not part of the problem? If we keep chasing trends without original thinking, how will we ever build a robust tech ecosystem that creates jobs and grows the economy?

What do you think? Am I being too harsh, or is it time for African developers to step up their game?

UpaIweka:
Pity your fada generation their bigitry n hate gut us here. The closest thing to Chicago in Nigeria remains Lagos so cite Anambra as example of poorly developed state next time so the rest of us can take you seriously. After all Lagos is still beta developed than Anambra in all level of development known to the human race today 2025.

the ode don carry am go tribalism
Na why you never better cause you don’t think out side the box

I’m not even Igbo and I don’t know why you’re adding anambra to the discussion

The topic simple staTe we should force our leaders to decentralize govt so it can be felt by everyone then other thing follow

You’re here calling anambra

Like I said I pity
Fela suffering and smiling full Nigeria youth

HacheNoire:
You see! Can tell you a newbie!

You DEFINITELY stay in village to have gotten a condo of 200k. It still freaks you. The government soaked you in 30 years credit and here you are applauding chains on your neck.

So that’s what the government of Illinois did for you! Have you calculated your interest over 30 years? You feel they helped you 🤣🤣🤣

Your area definitely does have good schools or healthcare with a 200k condo. Don’t get me started please! Can tell guns be ringing every night in such area.

like I said you and the rest are dunce

Other than the gun violence
What else you gat

A condo for 200k

You must be a joke

I got a three bedroom flat and I live in cook county
I mean I’m the city which cost me 258k

And I pay it comfortable
Even if there’s tax at least it used for basic things from local, state and federal govt

Now in Nigeria can an avarage dangote truck driver buy a house in gbagada and pay monthly mortgage on it or can a manager in a Nigeria bank buy a house in ajah and pay mortgage on it

I pity you
You think by protecting the rot in the system you feel you’re patriotic

I sorry for you