TO LET
WHITESTREET GARDENS
Newly built 3 bedroom Terrace House
Harmony Estate, Langbasa, Ajah, Lagos
Rent N2m
Agency N100k
Agreement N100k
Caution N100k
Annual charge (security & compound cleaners) N300k
Total package: N2.6m
Call or WhatsApp- 08085404500 if interested.
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| Hire Purchase options in Nigeria |
Are you in need of a car but don't have the funds to buy one outright? Hire purchase may be a great option for you. This type of financing agreement allows you to pay for a car in installments over a period of time, making it easier to afford the car you need. I often get calls from drivers looking to work on Uber, Bolt, Indrive (formerly Indriver), Rida and others asking about how to get a car to start work. Hire purchase agreement is a great way to enter the business at a lower cost and you have the ambition of ensuring the car becomes yours after completing all your installments. If you are hardworking and focused, this is totally achievable.
If you're considering getting a car on hire purchase in Nigeria, there are a few things to keep in mind. First, you'll need to decide on the type of car you want and the budget you have available. It's important to choose a car that meets your needs and fits your budget to ensure that you can afford the monthly payments.
Once you've decided on the car and the terms of the hire purchase agreement, it's time to find a lender. There are many lenders in Nigeria that offer hire purchase agreements, including banks, car dealerships, and independent financing companies. It's important to shop around and compare the different options to find the best deal for your needs.
Some reputable companies providing Hire Purchase services in Nigeria include:
Jaiz Bank Plc: Jaiz Bank is a bank that offers ethical financing and they offers hire purchase agreements for cars, trucks, and other vehicles. They offer flexible repayment terms of up to four years and financing is based on the concept of cost plus mark-up. The Bank purchases the vehicle and sells to the customer with reasonable markup (otherwise called profit) on a deferred payment basis.
Lotus Bank Plc: Lotus Bank is another bank that offers ethical financing and they offers hire purchase agreements for cars. They offer flexible repayment terms of up to five years and financing is available for buying a brand-new car or a fairly used car. You must be between 24-50 years old to be considered.
based on the concept of cost plus mark-up. The Bank purchases the vehicle and sells to the customer with reasonable markup (otherwise called profit) on a deferred payment basis.
Cars45: Cars45 is a popular car dealership in Nigeria that offers hire purchase agreements for both new and used cars. They offer quick approval and flexible repayment terms.
Sterling Alternative Finance (SAF): SAF is the ethical banking subsidiary of Sterling Bank and they have quite a flexible approach to car financing. They add a mark-up to the purchase price. Currently, the mark-up is at 27% and the time of repayment for the car financed depends on the kind of car your purchase:
Once you've found a lender and agreed on the terms of the hire purchase agreement, you'll need to provide the necessary documents, including proof of income, proof of address, and proof of identity. You'll also need to provide the lender with the details of the car you're purchasing.
Once your hire purchase agreement is approved, you'll be able to take delivery of the car and start making your monthly payments. It's important to make sure that you make your payments on time and in full to avoid any additional charges or penalties.
In conclusion, getting a car on hire purchase in Nigeria can be a great option for those who need a car but don't have the funds to buy one outright. By choosing the right car, lender, and terms, you can get the car you need and spread the cost over a longer period. With the variety of lenders available in Nigeria, you can find the best hire purchase agreement for your needs and budget.
Nigeria's economy has been experiencing challenges in the financial sector, particularly with failed transfers. Failed transfers have become a major issue for Nigerians, causing frustration and inconvenience, and leading to economic losses. However, with the advent of Opay, the solution to this problem is within reach. Opay is a financial technology company that has been making waves in the Nigerian market, offering innovative solutions to financial challenges. In this post, we will explore the problem of failed transfers in Nigeria, the role of Opay in solving this problem, and the impact of Opay's solution on Nigeria's economy.
The problem of failed transfers in Nigeria is a complex
issue that has had significant impacts on the country's economy and social
fabric. One major reason for failed transfers is the lack of reliable and
secure payment systems, which often results in money being lost or stolen
during transactions. Additionally, corruption and bribery are widespread in
Nigeria, and this has resulted in many transfers being diverted to unauthorized
recipients or simply disappearing altogether. Furthermore, bureaucratic
inefficiencies and delays in processing transfer requests have also contributed
to the problem, as individuals and businesses may have to wait for weeks or
even months before their transfers are completed.
To address these issues, the Nigerian government has made
efforts to improve its payment systems and crack down on corruption, but progress
has been slow. Ultimately, the problem of failed transfers in Nigeria is a
symptom of deeper structural issues that will require a concerted effort from
both the government and private sector to resolve.
Opay is a mobile payment platform that has revolutionized
the way Nigerians conduct financial transactions. One of the key challenges
faced by users of traditional banking systems is the issue of failed transfers.
Failed transfers occur when funds are debited from the sender's account but are
not credited to the receiver's account. This can be particularly frustrating
for both parties involved, and can lead to a loss of trust in the banking
system.
Opay has been able to address this challenge through its
innovative technology and customer-centric approach. An important factor in the success of mobile
payment platforms is the ability to provide a seamless and reliable user
experience. Opay has been able to achieve this by investing in state-of-the-art
technology and by providing round-the-clock customer support to its users.
Additionally, Opay has been able to leverage its vast network of agents to
provide on-the-ground support to customers, particularly in areas with limited
access to traditional banking services.
By providing a reliable and convenient alternative to traditional banking systems, Opay has played a critical role in solving the challenge of failed transfers and has helped to build trust in the Nigerian financial system.
The emergence of mobile money solutions in Nigeria has had a
significant impact on the economy. Opay, a mobile money platform, has provided
a solution to the challenges of financial inclusion and banking inaccessibility
in the country. The adoption of mobile money solutions by firms such as Opay
has led to the democratization of banking services, enabling more people to
access financial services, which has resulted in increased economic growth.
Increased access to financial services has also led to an increase in financial
literacy, which has contributed to the growth of small and medium-sized
enterprises (SMEs) in the country. Additionally, the use of mobile money
solutions has led to increased transparency and accountability in financial
transactions, reducing the risk of fraud and corruption.
Opay's solution has also provided employment opportunities
for Nigerians, as the platform requires a significant workforce to operate
efficiently. Overall, the impact of Opay's solution on Nigeria's economy has
been significant, as it has provided a solution to the challenges of financial
inclusion and has contributed to economic growth, financial literacy,
transparency, accountability, and job creation.
In conclusion, the problem of failed transfers in Nigeria has been a major issue for Nigerians, causing frustration and inconvenience, and leading to economic losses. However, companies such as Opay have been able to address these challenges through their innovative technologies and customer-centric approaches. Opay's solution has had a significant impact on Nigeria's economy, contributing to financial inclusion, growth, and job creation. With continued innovation and investment, it is likely that mobile payment platforms such as Opay will play an increasingly important role in Nigeria's economic development.
You can register on Opay in Nigeria and start enjoying fast
and convenient transfers by clicking here.
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| Sajadah Electronic Prayer Mat |
Are you looking to improve your Salat experience? The Sajadah electronic salat teaching prayer mat is here to make the process of learning and perfecting Salat easier and more efficient for Muslims - young or old, revert or raised as a believer.
This prayer mat comes equipped with advanced technology that allows you to learn and recite prayers accurately, at your own pace, and in the comfort of your own home. It is designed to help Muslims perform their daily prayers in the best possible way and is perfect for those who want to learn to pray or those who want to perfect their prayer techniques. The electronic salat teaching prayer mat has a built-in speaker that plays a recording of the prayers as you move through the different positions. This way, you can easily follow along and focus on your prayer without worrying about missing a step. The process is intuitive and easy to follow, making it perfect for beginners. The electronic salat teaching prayer mat is designed to improve your overall prayer experience and make maintaining a regular prayer schedule more manageable. It is made from high-quality materials that are durable and long-lasting, so it is an investment that will continue to benefit you for years to come.-This is a prayer mat designed to educate Adult, teens, kids
and Muslim reverts/converts on how to perform the Muslim prayer in a fun and
enjoyable way.
- It can teach about the different times of salah, and the
various bodily movements and positions, and what to say during them.
-This prayer Mat accurately records the contents of worship
and standard movement tips, so that user can learn how to pray anytime and
anywhere.
-The interactive prayer mat is touch sensitive and has
pre-recorded keys that can be touched to reveal the sound, such as prayer
times, how to do wudu, recite surahs, say duas, and much more.
Key Features
-Easy to use
-High quality and Inexpensive
-Exquisite Workmanship
-Durable in use
-Well Made
By Nelson Daramola
The job market has radically changed in the last decade, more so since the outbreak of the Covid-19 in 2019. Ideas like freelancing and remote work that were thought to be emerging trends but not mainstream ways of working and employing staff have now disrupted the job market with many employers and even a greater number of workers preferring these options. Millennials and Generation Zs active in the job market are increasingly choosing to freelance, work remotely for foreign companies or go the entrepreneurial route which has almost always been there because they want freedom and more flexibility to pursue and promote things they care about. This position is backed by The Deloitte Global 2021 Millennial and Gen Z Survey. This is a challenge for big companies in general but for startups and micro, small and medium-sized enterprises (MSMEs), it is a potential existential threat because if you don't attract quality talent to help you run and grow your business, the challenges faced by it are likely to be fatal to its survival. So, how do MSME owners convince people that want higher pay, greater flexibility and relative freedom to work for them? I am going to suggest a few ways that I have identified over the years as a business manager.
1. Internships
A key part of the academic programmes that many universities, polytechnics and tertiary institutions run is an industrial training programme or internship. This means that without having some work experience in a relevant organization, a student cannot complete the academic programme they have enrolled in many tertiary institutions. For an MSME owner, this group of students is a fantastic pool of potential employees to tap from because their immediate reasons for working are not tied to high pay. Even for those that might be heavily motivated by huge pay, they have lower negotiating power than a graduate that does not have school grades and academic performance to worry about. You should position your business strategically to attract them to want to intern with your organization. To do this effectively, it is a good idea to contact the tertiary academic institutions close to your organization’s location or those that teach specializations that are relevant to your industry. For example, a fintech company in Yaba, Lagos should have a good working relationship with the computer science and banking and finance departments of the University of Lagos (UNILAG) and Yaba College of Technology (YABATECH) which are in close proximity with it. This will give your business an advantage in terms of getting some of the smartest students coming out of these academic institutions that can have internships or industrial training (IT) with your organization. The benefit for you is that you can tap into their energy and enthusiasm to build cutting-edge products/services while they in turn get practical, real life experience that would prove valuable for them in the future after graduation. The major disadvantage of employing staff this way is that most will not stay for more than a year at best which means that you might lose some knowledgebase and momentum anytime one of your interns leaves. However, this challenge can be tackled in two ways; first, by ensuring that you keep proper record of work done and the procedures through which it is done. In this regard, collaborative applications like Google Workspace and Microsoft Teams. So, anybody that joins thereafter can follow the workflow from previous tasks done and learn from them. Secondly, mistakes from the past can be learnt from and new interns can be guided to avoid such during their on-boarding by using real work-based artifacts developed by previous employees. In this way, you achieve a scenario where you have a system that can run regardless of the personnel put in place to use it.
2. Apprenticeships
Apprenticeships are similar to internships in the sense that you are recruiting people in order to train them. However, there is a significant difference in the sense that apprentices tend to stay for a longer time than interns, usually about two years or more and they are often trying to master a professional skill rather than seeking training to complete an academic qualification. Vocations like tailoring, bricklaying, carpentry, plumbing and catering rely heavily on apprenticeship for knowledge transfer and employment purposes. A good master professional treats their apprentices with dignity and respect and also ensures they are paid fair stipends for the work they do. While it is true that apprentices are getting knowledge and know-how from working with you, it is not in your best interest to exploit them. When this balance of training-learning-compensation is reached, you are likely to find that you can scale your business significantly with this additional manpower. Do not be hesitant to train your apprentices effectively because the more skilled they are, the better the quality of products or services that they can deliver to your customers. However, to reduce the chances of unethical practices from your apprentices, it is important to test them for integrity and good work ethics before taking them onboard because the way to relate with existing and potential customers good have serious effect on your business. It is also important to open feedback channels with your customers so that you can get genuine feedback on the performance of your apprentices.
3. Part-time Employment
A key limitation for many startups and MSMEs is funding. So, while it might be easy to identify the kind of professionals and quality of talents you need, you might not be able to afford them. A way out of this predicament is to employ such professionals on a part-time basis. For example, many private schools in Nigeria do not employ French and Information Communication Technology (ICT) teachers on a full time basis. They are often recruited on a part-time basis and paid based on the number of classes and the number of times they teach in a month. This allows the school management utilize their services to meet the needs of their students without incurring heavier personnel costs. It also allows such teachers the opportunity to earn a good income from their knowledge and skills while maintaining their freedom to work in other places. This arrangement is used in different industries as well such as health, tech and fashion. Whatever your industry, you can adapt this strategy to meet your manpower needs. To get the most out of this arrangement, you need to ensure that the terms and conditions of the employment are clearly understood and agreed by both parties involved. The fact that a worker is employed on a part-time basis should not lead to lowering of standards in terms of their deliverables.
4. Freelancers
Freelancing is a popular recruitment model for MSMEs because it allows you to use the services of highly-skilled professionals for specific tasks or projects. Let us imagine you own a local bakery and you want to design a logo, promotional fliers and design a website to promote the business. It would be very unwise to say you want to employ a graphic designer and web designer on a permanent basis to deliver these business artifacts. The cost-benefit analysis would not make sense for most people. Consequently, it would be better to employ a freelance graphic designer and website designer to design the promotional website and fliers for you. They get paid for the project and you do not have to bother about paying them after this until you need their service for other projects in the future. There are many freelance websites out there like Upwork, Fiverr, and Freelancer. You can post your projects on these websites, get freelancers to bid on your project and you select the ones you think are the best fit for you based on past projects completed, skills and of course willingness to work for an amount within your budget. To get the most out of this arrangement, it is important that you clearly define the task you want done and what the key parameters for assessing the quality of work done are. It is also important that you carefully assess the freelancers that apply for your project so that you do not waste time, effort and resources on the wrong freelancer without getting the results you need.
5. Virtual Employees
The world is now a global village thanks to the Internet and this has lead to a large number of jobs moving online, what this means for small business owners or manager is that you can employ people to work for you full time on the internet. So, if you are a busy executive, you can have your travel itinerary, flight and hotel bookings done for you by a virtual assistant. They can also help you organize and host virtual meetings and a multiplicity of other functions. This will allow you focus on tasks that are critical to you and increase your productivity and profitability effectively. In selecting a virtual assistant, you need to consider their availability across your time zone in addition to their competence. Therefore, in your advert seeking for a virtual assistant, clearly describe the working hours that the ideal candidate should be available to work for on a daily basis. To avoid problems, it is better to select a virtual assistant that is familiar with your location and living in a location with a similar time zone to yours.
6. Partnerships
Sometimes, the level of skill and expertise required by an MSME or startup might be so great that trying to get professionals who have it to become your employees is not likely to happen based on your smaller profile and limited resources. In such situations, it is a good strategy to pitch partnership with such people. Depending on the kind of business registration you have, you may be able to change a business venture to a partnership or bring a skilled professional as a director of a limited company. Sometimes, such professionals may have a strong network that you want to connect with, a skill that is rare or unique insights that will allow your business have a stand-out advantage. The important thing here is to determine what you are giving and what you will receive in exchange. Angel investors and venture capitalists may also fall under this category. Agreements should be made and clearly spelt out in a legal binding document.
7.
Bots
Small businesses can get tasks done using bots by utilizing automated tools such as chatbots, virtual assistants, and workflow automation. Chatbots can be used to answer customer inquiries and provide support, digital virtual assistants can automate mundane tasks such as scheduling appointments and managing social media accounts and workflow automation can automate processes such as ordering products, invoicing customers, and managing inventory. All of these bots can help small businesses reduce their workload, increase efficiency, and save time. You should do your research to identify the bots that have the functionality and features your business needs and fall within your budget.
Conclusion
Starting a business and ensuring that it survives and thrives is a huge challenge that not many people have the capacity to achieve. To help you achieve it, you should try and leverage on your network of family and friends, social media platforms like LinkedIn, Twitter, Facebook, Telegram and WhatsApp. Sending your information out to a large audience via the Internet and Social Media is a great way to connect with the different categories of workers that I have listed in this article. It is also a fantastic way to identify jobseekers who are actively seeking to work in organizations or businesses like yours. It is also important to engage with other entrepreneurs and business managers to keep yourself up-to-date and conversant with the latest management and job market trends. Actively doing all of these will give you a great chance to attract and retain some great employees. The most important resource any business has is its staff. Therefore, being able to attract competent and trustworthy people to work with you regardless of your budget is critical to your success. I hope you find the tips in this article useful and would love to get your feedback.
Nelson Daramola is the Manager at Rock Springs Ventures and Services
Limited, he can be reached via [email protected]
Are you a car owner in Lagos, Nigeria looking for a way to make extra income? Consider signing up to be an Uber driver!
Uber is a great way to make money in Lagos, and it’s a great choice for car owners who want to supplement their income. With Uber, you can choose when and where you want to work, giving you the flexibility to work as much or as little as you want. Plus, signing up to be an Uber driver is easy. All you need is a 4-door vehicle (from Year 2000 or after), proof of vehicle registration and a valid driver’s license. Once you’ve signed up, you’ll be able to access the Uber app, which will show you all the available jobs in your area. Uber also offers competitive rates and bonuses. You’ll be paid for each ride you complete, and you can also take advantage of incentives like weekly bonuses, surge pricing, and referral rewards. Finally, when you sign up to be an Uber driver, you’ll join an ever-growing community of drivers who are passionate about making a difference. Uber drivers in Lagos are passionate about providing a safe and reliable ride experience for their passengers, and they’re committed to delivering an excellent service. So, if you’re a car owner in Lagos, Nigeria looking for a way to make extra income, consider signing up to be an Uber driver. With Uber, you’ll enjoy flexible hours, competitive rates, and the chance to be part of a vibrant community of drivers. Contact me via WhatsApp on 08085404500 to be guided for free (Yes, free and I mean it).
In this day and age, getting ahead of the competition, whether in business, career or other areas of life requires strategic thinking and action. Don't just do things randomly, do them intentionally. Let me use myself as an example.
I recently became a verified Wharton Interactive Instructor joining top professors, and executive coaches around the world in having such a distinction. In plain English, Wharton, the best Business School in the world agrees that I can guide students to take some of their latest cutting edge online courses. How did I manage to join such exclusive group of leaders? Strategic positioning and branding.
Let me take you through, what many people do not immediately recognise in the modern age is that there is a dual route to career advancement:
1. Academic
2. Professional.
Many people understand the academic route – go to the university, get one or multiple degrees with good grades and hope to get a job with it. The professional route is less clearly defined, it relies more on your skills and alignment with leading organizations or people in the field. So for someone like me, this means, identifying the areas I wanted to have expertise in, building my knowledge and skill base and then getting professional certifications from the likes of the Nigerian Institute of Management (NIM), Google (I have 7 certifications) and a specialized certificate from the University of New South Wales. These qualifications in addition to being a co-owner and manager of JarusHub, which is Nigeria's No.1 platform for career guidance and mentoring, place me in a strong position for many engagements.
The good news for you my reader is that you can also leverage on the same principles as I have to get ahead of the competition. We are currently taking a few lucky people to take the Wharton Interactive Entrepreneurship Course with JarusHub support. You will be getting complete training and certification from Wharton on entrepreneurship and be getting support from me as your verified instructor to help you navigate the process and gain incisive insights. Whether or not you have strong academic qualifications does not matter as long as you have passion for entrepreneurship. Investors, customers and other stakeholders will respect you more if you have a powerful brand like Wharton attached to your profile. So, don't miss out on this fantastic opportunity and take advantage of our early bird discount before it runs out.
Remember, strategic branding works only when you align yourself with the best of the best. I hope to meet you soon as we have a great time sharing life-changing transformational knowledge about Entrepreneurship.
Click here to register.
