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Business / Re: DBN Loan - NOT A VIABLE OPTION FOR MSMES by sweeterman(m): 10:04am On Aug 08, 2018
Business / DBN Loan - NOT A VIABLE OPTION FOR MSMES by sweeterman(m): 9:41am On Aug 08, 2018
If you're an Entrepreneur, startup, or a business in Nigeria, and have tried to get a Loan, Then you must have witnessed first-hand the extreme difficulty there is, in accessing loans in Nigeria.

I Learnt of DBN LOAN - (Development Bank Of Nigeria), on Vanguard Newspaper; It sounded like a Game Changer for MSMEs and small Corporates in Nigeria.

The DBN loan can be accessed for your working capital and asset/expansion finance needs. It is availed as a term loan with expected periodic repayment of principal and interest. The rate is dependent on the tenor you are seeking to access the loan for. it equally supports all business sectors in the Nigerian economy. According to Managing Director (MD) of the bank, Mr. Tony Okpanachi when he was asked how much the bank had for disbursement to MSMES, he said, "In terms of the amount I can assure you that we have enough funding now of about $1.3 billion so we can draw down. We have $1.3 billion available to us to draw and as we disburse we draw more.”

They also acknowledged the difficulty Startups face is accessing loans in Nigeria. From DBN website - "In Nigeria, there are over 37 million MSMEs contributing to over 50% of Nigeria’s GDP. However, less than 5% of these businesses have access to credit in the financial system."

BUT after all the charades, they turned out to be a Business, who is more interested in profits than assisting MSMES.

I applied for DBN LOAN for my business, through Fidelity bank. I was asked to provide some information about my Business; when it started, Average monthly turnover, how much do i seek to access, what do i seek to access the loan for, and my current banking relationship?.

I was also asked to provide my Fidelity account details, operating business address, and my preferred visiting time to enable a member of their team visit me to discuss further and possibly initiate a loan process.

When i saw this requirements, i was stunned, just this and i can access a loan. I later found out it was all smoke and mirrors.

When the fidelity staff visited me, The REAL REQUIREMENTS was made known to me. I was asked to provide a LANDED PROPERTY with certificate of occupancy as collateral. Which start-up in Nigeria fit get that kind requirement.

My Business of 2 years have a monthly turn-over of 250,000 naira, which is impressive in my opinion for a start-up, and i was not eligible. So who is DBN LOAN for?, as is every loan in nigeria, RICH PEOPLE.


learn more about DBN LOANS - https://www.vanguardngr.com/2018/05/dbn-deploy-1-3b-loans-msmes/

credit - https://cifwep.com/dbn-loan-development-bank-of-nigeria/

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Business / Re: 3 Essential Internet Advertising Techniques For Every SME by sweeterman(m): 8:26am On Jul 27, 2018
Business / 3 Essential Internet Advertising Techniques For Every SME by sweeterman(m): 7:45am On Jul 27, 2018
Most of you out there still think that advertising and marketing stops at digital and print media agencies like TV/Radio stations, Fliers, Newspapers, Banners and other form of conventional methods that were existing before the rise of the INTERNET and SMARTPHONES. Due to advancement in technology over the years the internet has now become a more convenient source for information and entertainment, and since smartphones are very handy and internet connection has been made accessible to more people, there is a very large population of individuals who are surfing the web on daily basis for different reasons.

After the Invention of the internet, lots of amazing products and services were developed to further enhance the dissemination of information and entertain this large online audience. The Internet has now become the number one source of information and entertainment in the world, thus making it the number one channel for marketing and advertising.

Below are 3 basic digital marketing technique that every SME must incorporate into their overall marketing strategy


The first thing you need to do before you start paid advertising is acquiring a web space for your business or brand, this should give your prospective customer or client their desired insights about your business. This space could be in form of a website, blog, or a single landing page, Now whichever you choose to create would strongly depend on what kind of products/ services you are offering, and you can definitely contact us to know which of these outlets would work best for your business and how we can help you design and develop any of them.


Search engine optimization is a process that allows your website, blog or web page to show up on a search engines result page when an individual searches for keywords relating to your business on search engines like google, Bing, yahoo etc. SEO is the most important aspect of a digital marketing strategy because a lot of internet users are using search engines (google) to search for information and it is really important that user who searching for products and services that you offer are able to find you.


Social media platforms like Facebook, Instagram, Twitter, Linkedin and pinterest have become the second most used internet platforms after search engines. These platforms serves as a social community where different individuals are capable of communicating with themselves and shear their opinion about several issues, making it highly entertaining, educative, informative and definitely populated. Advertising on these social media platforms would definitely give you an edge over your competition.

These are the first three online advertising/ digital marketing technique that we recommend for any small or medium scale enterprise that is considering to use online marketing as a channel to reach out to its target audience. They are other intermediate and advance form of digital marketing techniques like Retargeting, In-app Ads, Display Ads etc.

source : Cifwep digital https://cifwep.com/3-essential-internet-advertising-techniques-for-every-sme/
Car Talk / Re: N679m:See World’s Most Expensive Bike With Gold,Diamonds & See-through Engine by sweeterman(m): 7:05am On May 23, 2018
I'll Rather Invest The Money...


The person that will buy it is he not an investor?? undecided
Family / Re: How Cheating Wife ''Led Husband To His Death In Delta State''. Photos by sweeterman(m): 6:07am On May 06, 2018
I don't believe that was what killed the man. With the high rate of infidelity in our society, 70% of our men for don die. Anyway Rip

Traditions vary, this is what killed my half brother.
Health / Re: How To Train Your Brain To Stop Worrying ! by sweeterman(m): 10:13am On Apr 15, 2018
Celebrities / Re: Toke Makinwa Reacts To Ice Prince Adorable Photo – See What She Wrote by sweeterman(m): 2:54am On Mar 23, 2018
Sometimes its not the person you miss, but the feelings and moments you has when you were with them.
cry cry cry
Food / Re: Happy World Meal Gate: kicking hunger & malnutrition out of Nigeria & Africa. by sweeterman(m): 10:02pm On Mar 08, 2018
a ponzi site on frontpage
Romance / Re: Help Me Remove Her From My Head by sweeterman(m): 5:36pm On Mar 07, 2018
You Want Me To Help You Remove Her From Your head... Did I Put Her There In The First Place

lol bro, doctor wey dey treat accident victims, did he buy the car with dem
Romance / Re: Help Me Remove Her From My Head by sweeterman(m): 5:34pm On Mar 07, 2018


Love song is NO NO grin...but there is one good song for u to catch..

HAPPIER by Ed Sheeran grin

thanks dear, i have the song already kiss kiss
Romance / Re: Help Me Remove Her From My Head by sweeterman(m): 12:21pm On Mar 07, 2018
Is she the girl that disvirgined you? cheesy

funny enough bro, she aint, i've had several girls before her, dont just know why her own is different.
Romance / Re: Help Me Remove Her From My Head by sweeterman(m): 12:19pm On Mar 07, 2018
No one has the answer to that because it is already answered. YOU ARE SIMPLY HOLDING ON TO WHAT IS ALREADY GONE....

DO WHAT SHE DID.... get a rebound Lady.... date someone else even if she is still stuck in your head.... soon with quality time, great sex, lots of communication with the new Lady, YOU WOULD FORGET HER... you would forget the OLD and then you can MOVE ON with your life.


thanks a bunch for this.
Romance / Re: Help Me Remove Her From My Head by sweeterman(m): 12:17pm On Mar 07, 2018

Why not drink alcoholic drinks ? This is the best way so u can start talking to other babes in yo street...And if u say that u never tried any alcoholic drinks, this is the BEST OF THE BEST so u can forget her & if ur lucky tonight u can get laid grin

lol.. i don even add smokes join the alcohol but it seems im getting more obsessed, i no more listen to the radio because of love songs.
Romance / Help Me Remove Her From My Head by sweeterman(m): 11:59am On Mar 07, 2018
We love each other so much but its not working as planned, we finally separated she got a new guy now because she is trying to forget me.
now its hard for me to even say hi to a lady because she is stuck inside my head.

i have tried all the stuffs i read online but it seems not to be working.

please with your experience, how did u forget her and moved on??
Romance / Re: See What A Lady Sent To A Nigerian Guy After Meeting On Facebook (photos) by sweeterman(m): 8:35am On Mar 01, 2018
Box sealed iphone 4s in 2018, glossy MacBook wow..

we are in the same spirit brother, thought its only me that saw that.
Religion / Re: Ifeanyi Ubah Builds A Catholic Cathedral In Nnewi, Anambra (Photos) by sweeterman(m): 6:33pm On Feb 18, 2018
Are there unemployed youths in Nnewi?

Are all The Hospitals there of World standard?

Just building more infrastructures to impoverish his very own people as thats were tithe and offerings will be heading to next.

Who knows, The guy might be going into religion business. He just needs to employ a sweet mouth pastor like Adeboye or Oyedepo and money is rollin-in


so u read the post and typed this rubbish
Phones / Re: 6 Latest Nokia Android Phones With Prices And Specification by sweeterman(m): 9:19am On Jan 07, 2018
Nokia isn't back.

They licensed their brand to HMD Global, a chinese company.

Just like Blackberry did.

They don't make phones anymore.

HMD isnt Chinese, use google bro
TV/Movies / Re: 50+ Examples Of Cartoon Logic That Will Make You Facepalm by sweeterman(m): 12:01am On Dec 24, 2017
and now i cant watch cartoons in peace again, especially spongebob embarassed embarassed embarassed
Business / Re: GTB In Desperate Move To Stop Customers From Closing Account by sweeterman(m): 7:36am On Dec 23, 2017

Does that console you? undecided

but thats a google cache..

read and understand what it is, no knowledge is a waste bro.


Celebrities / Re: Ebuka Obi-Uchendu Hosts Miss Nigeria 2017 Pageant Rocking Tuxedo (Photos) by sweeterman(m): 8:49am On Dec 22, 2017

Like your sister abi lol

Anyway, this Ebuka negro is the most conceited mothafucka ever a.k.a camera ashewo.. I'm sure he would sex himself if he could.

I hear his wife is Rich hence why he's able to afford such lifestyle

He neva pays for the cloth, designers pay him to wear the clothes and snap..

u guys need to understand the industry.
Celebrities / Re: Ebuka Obi-Uchendu Hosts Miss Nigeria 2017 Pageant Rocking Tuxedo (Photos) by sweeterman(m): 8:47am On Dec 22, 2017

I don't need to ,common sense is enough.
P square owns a mansion in Banana island, as well as so many luxurious property all over the world.
Wizkid made more than 400 million naira this year, thanks to the streaming of his album " sounds from the other side as well as a one million dollar deal he had with Sony at the beginning of the year.
Davido's father is one of the richest men in Nigeria, Davido is one of the most successful artiste ever in Nigeria, just this year alone, he resigned his 100 million Pepsi deal, had a sold out show across the world for his 30 billion Concert ,and signed a deal with Sony worth 1 million dollars.
Now tell me what Ebuka is doing?
Hosting Big brother ?
Which major investment does Ebuka have? Which endorsement has he signed?
Money does not hide bro, try as much as you like, I don't need to enter his pocket to know, I have common sense, do you?

Mr. Pocket and Bank account analyser.. how much dey ur account that year undecided undecided undecided

work for ur own bro.. Ebuka is making his money.

1 Like

Sports / Re: Nigeria FF Boss Questions Caf's Awards Criteria After Moses Snub by sweeterman(m): 7:42am On Dec 20, 2017

Yes Moses was not instrumental as mahrez,but what do you expect from a wing back? maybe you expect a wing back to get you 20 goal a season just as mahrez did that season

leave the dude he dey watch socce with him yansh not eyes...

dont know what these pipo expect from a wingback..

Moses last season for me did a flawless job...

1 Like

Sports / Re: Nigeria FF Boss Questions Caf's Awards Criteria After Moses Snub by sweeterman(m): 7:38am On Dec 20, 2017
am sure someone who watches d epl cnt deny d fact that Mane was better than Moses last season... Moses just had d luck 2 win EPL... ask liverpool how market in d absence of Mane them go tell u

Ask Chelsea how market in the absence of Moses..

Mane that wa splagued with injury last season?? undecided undecided undecided
Business / How To Get Sponsorship Deals For Your Events And Projects by sweeterman(m): 8:11am On Dec 19, 2017
How can you as a small business owner take advantage of this Sponsorship for your events and projects and also make some money out of it? Read on to discover how to tap into the Sponsorship arena.

The reason most of these large and medium organizations involve in sponsoring your events or projects is because they want to enhance their public profile in a cheaper way. Note that not only Large corporations are holding sway here, even medium sized businesses are jumping in the sponsorship bandwagon and are leveraging on sponsoring everything including local or community sports, health shows, enlightenment campaigns, cultural festivals just to name a few.

Actually there is no event or project that cannot be sponsored. But events or projects that often attract sponsorship are the ones that add value to the community and indirectly increase the brand image and profits of the organization's products and/or services. Events or projects that bother on health, education, charity, entertainment, art, empowerment, children and gender issues are real examples of what can attract sponsorships.

You can also note that events like Gulder Ultimate Search, Star Quest, Lagos Half Marathon, Argungu Fishing Festival among others have been lucky to attract annual sponsorships.

What are the types of sponsorships that I can take advantage of?

They are two types of sponsorships you can take advantage of:

1- Product Sponsorship: Many small and large corporations are comfortable with this. They release their company products to you as an endorsement for your event or project. Examples of these companies are Nestle Foods, Nigerian Bottling Company, UAC, MTN, Zain, Etisalat, Globacom, etc. There are also small organizations in your locality that you can confidently approach for this kind of sponsorship and even sole entrepreneurs that have product offerings who need your events to project them.

2- Financial Sponsorship: Companies will release set aside funds to you for your event or project as long as it is an community impact-driven project. The amount requested should be rather specific and every step of your analysis of how the funds will be used should be clearly stated. Examples of funding companies are British Council, Nokia, UAC, Chevron, Texaco, Mobil, British Tobacco Nigeria Ltd, Guinness, Nigerian Breweries, Nestle, Wampco, Ford Foundation, Unilever, GTBank, Ecobank, etc. There are also a whole lot of small and medium companies waiting to be approached with your sponsorship proposals.

Am I eligible to Land a Sponsorship Deal?

The painful truth is that it is nearly impossible for an individual to land a sponsorship deal. Companies are more comfortable dealing with sponsorship proposals from an outfit, either governmental or non-governmental outfit. So make sure when you are sending in a sponsorship proposal, it bears the name of an outfit whether registered or not, and this covers religious groups, clubs, NGO's, educational institutions, private registered business, etc. Now we get on to the next section, how to get that winning sponsorship

How then do I get that winning Sponsorship?

What you simply need to make sure your sponsorship sails through is your Proposal. I recommend that you send in your proposal at the beginning of each quarter because that's when most companies review their financial books. Now you need to follow up on your proposal except the company states that they would get back to you. But one secret you should take note of is trying to cultivate a platonic relationship with the officer-in-charge, probably outside the office zone.

The first thing to do is to draft a brief but meaningful proposal to the organization of your choice. What is essential is that your proposal should indicate how your event or project can move their brand forward and paint the company's image in a good light. But how do you write a winning sponsorship proposal?

Now you must realize your proposal will have to fight for attention among the hordes of other proposals that these companies receive on a daily basis. You must be apt in your write up, make it at least a page or two and keep it simple. Take note of the following tips to write that winning proposal.

Your Headline - this is the subject matter of your proposal content. Write an headline that is direct and one that can sell itself. If you can't write one, find a good copywriter who can do it for you.

The Project/Event - In writing your proposal, this should be first. Be clear in explaining what your event is all and avoid giving out details that would not help stating your project or event purpose clearly.

The Target Audience - Explain clearly whom your project is going to target in the public.

Type of Sponsorship you seek - describe the type of sponsorship you need either product or financial sponsorship

Sponsorship benefit - Explain in your proposal what the sponsors stand to benefit because they would only put money where their mouth is.

Introduce your outfit - having completed the above, then you formally describe what your outfit is all about and why you are embarking on the project.

Proposed event date - Highlight when the event or project for sponsorship consideration is scheduled to take place. If you don't do this, you might be taken for a ride, meaning they will take their time pretty well.

And the last is your cover letter - Attach your cover letter which must be signed by whoever receives it from you.

Then how do I make money from these Sponsorship deals?

You can strike the gold pot in two ways: First, after executing the event/project successfully, you do not need to refund any left over money. It's all yours. Secondly, you make extra money by gate-takings, where you promote your event using the popularity of a known brand as your major sponsor. You can make this a 50-50 deal with the sponsor but in some cases sponsors don't even care about this part.

Before sending in your proposal, research on the company of your choice and know who is in charge of handling sponsorship issues.

Be prepared for Presentation

Once your proposal is accepted, don't be caught hanging when called to do a presentation of your event/project. Be ready before that time and get all your facts right.

Just like I advised earlier on, get the phone number of the officer-in-charge (if you can) to enable you to proper follow up within and outside official hours.

The only thing that can stop you is yourself. So go on and get that Sponsorship deal for your events or projects.

Article Source: http://EzineArticles.com/5898672
Credit : https://cifwep.com


Sports / Re: Doralie 'Bad' Medina Is Victor Anichebe's New Girlfriend (Photos) by sweeterman(m): 5:08am On Dec 19, 2017

Nice one Anichebe,

There's nothing better than being where a great man has been.

LMAO grin grin grin


Romance / Re: See What This Facebook User Said About Breast (photo) by sweeterman(m): 4:43am On Dec 19, 2017
You know the pleasure of thrusting your phallus through two big mammary glands?

Try that with peanut boobs undecided

Bliss bro!! Fuvking Bliss!! grin grin grin grin


Business / Website Designer In Onitsha, Anambra State. by sweeterman(m): 6:01am On Dec 18, 2017
A Website is a must have for any business, We provide outstanding web design and development service that will make your company stand out from your competition.

Cifwep is a Web Design Company in Onitsha. In a digital world, first impressions are vital and a responsive website is the key to success. Users enjoy visiting websites that are fast, appealing and easy to navigate. Let our company help your website make an outstanding first impression with speed and accessibility.

At Cifwep, we design websites that attract and engage your customers, as well as communicate your brand. Our team of web designers and developers work together to help clients meet their project objectives. We believe that a close collaboration is the foundation for an outstanding result. we collaborate at each step of the process. We will get your business noticed in the digital world by using design ingenuity for creating brand personality with a long-lasting impact. We provide various customizable design sets and focus on creating a website to fit your brand while engaging your visitors.

Contact us today: 08160578158
or visit our website : https://cifwep.com/web-design-onitsha/
Car Talk / Re: Samson Switchblade,World's 1st 2-Seater Flying Sports Car Goes On Sale Next Year by sweeterman(m): 10:06am On Dec 16, 2017
Ever since explorer got married to that woman!

He haven't been updating us with latest news around the globe

maybe e don reach wia to choose one leave one, so he had to choose her cry cry cry

1 Like

Business To Business / Digital Advertising Agency In Nigeria by sweeterman(m): 4:03pm On Dec 15, 2017
A full service Digital Creative Agency

Cifwep is a Digital Advertising Agency with a difference, We are a team of professionals passionate about what we do .
We communicate with our clients to make sure their project is well executed. Our culture of excellence is the major factor that separates us from other firms.
At Cifwep, we make conscious effort in every project to exceed the expectations of our clients. We work with brands of different sizes – multinationals, SMEs, and start-ups.

Our qualified team of specialists consistently delivers outstanding results combining creative ideas with our vast experience. We can help you build a sustainable, meaningful relationship with your clients by engaging them with your brand using social media marketing, creative Web design, digital marketing among others.

Our mission is to provide our clients with the utmost satisfaction. By doing so, we treat every client's website with care. We strive for a modern website layout and high organic search engine rankings

Our Services

Your "One Stop Shop" for everything Digital with services including Web Design & Development, E-Commerce, SEO, Digital Marketing, E-mail Marketing, Social Media, and much more. contact us today, let's transform your business.

Contact us - 08160578158,
Visit our website - https://cifwep.com
Business To Business / Re: Introduce Your Business by sweeterman(m): 3:31pm On Dec 15, 2017
A Digital Agency with a difference, Cifwep is a Digital Advertising Agency in Onitsha, Anambra State, Nigeria.

Our Services

Social Media Advertising
Search Engine Optimization
Website Design
Paid Ads, among others,

Contact Us - 08160578158, https://cifwep.com/contact/
Business / How To Succeed In An Over Saturated Market by sweeterman(m): 3:06pm On Dec 15, 2017
Just because the business you want to enter is crowded with competitors doesn't mean you can't succeed.

You’ve taken the leap and decided to turn your passion into a thriving business. The problem is that your passion lies in an industry that’s already over-saturated with businesses just like the one you envision. There’s value in finding an untapped market, but you don’t have to toss your dreams aside just because you’re not the first person to have an idea. Startups are emerging as leaders in saturated markets by carving out a niche.

Saturation Means Strong Demand

A saturated industry is a sign that there’s a lot of opportunity in the market. If entrepreneurs avoided entering markets that are already served by other businesses, consumers would have far less options.

Tap Into Change

The key to success in a saturated market, is change. If you don't know what's changing with your customers, competitors, features and more, your customers will buy from those who do. And that’s precisely where new businesses have an edge. New companies often recognize the gaps that established businesses don't. If they're correct, they gain customers and grow. The challenge is not to become like the established businesses who think they know better than the customer, Larger companies that have been in business for decades are sometimes set in their standards, and it’s more complicated to modify long-standing practices. Small businesses with less rigidity and a smaller organizational hierarchy can often make quick decisions and turn on a dime.
In any entrepreneurship course, you’ll be advised to choose a business model and figure out how to do it differently or better than existing companies. In some cases, though, you might already be in business and experience a sudden boom in competition.

Differentiate Your Business

If you’re really good at keeping your finger on the pulse of the industry and the waves of change, that often sets you apart from the competition. Small businesses that differentiate themselves are able to thrive in the most competitive environments. “My advice is to do your homework, define what makes you different and embrace that difference wholeheartedly,” says Bob Myhal, CEO of NextHire.
No matter how crowded your industry, even if it's full of major brands, you can achieve success by setting yourself apart. Whether that means reinventing industry standards, taking a new approach to the business model or offering something customers can’t refuse, carving a niche in the most saturated market is possible with commitment and creativity.


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