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The Central Bank of Nigeria ( CBN ) has said that 28 million bank customers have never received loans from their banks. Deputy Governor, Financial System Stability Directorate, CBN, Aisha Ahmad, said this while speaking at the 4th National Fintech Conference, in Lagos. Lamenting the huge financial access gap in the country especially in terms of access to credit, she said: “Out of 40 million Bank Verification Numbers (BVNs) and about 12 million have credit history and that gap is to be looked at. “Yes, 63.2 per cent of Nigerians are financially included but financial inclusion is not inclusion itself it is about also expanding access within those that are included.” Stressing the need for innovation in bridging the financial inclusion gap especially access to credit gap, Ahmad called on banks and fintechs to pursue responsible innovation which promotes inclusion in the financial industry. “Firstly, responsible innovation, it must be inclusive, to address all our issues on f...

1. Focus on your energy - learn to monitor your energy flow and establish intentional practices to renew it, you can take steps to manage your time each day.  2. Start with just one thing - start each day by picking one important thing to focus on first, try choosing the most difficult item on your to-do list.  3. Separate to-dos from might-dos - put your might-dos on a separate list. By doing this, you can spend the majority of your energy on finishing your major projects.  4. Make your calendar work harder - Use your calendar for more than just remembering appointments and meetings. Remember to schedule breaks that allow you to renew and replenish your energy.

Never liked Mourinho, (yes, I’m an Arsenal fan) but it’s from him I took one of the most profound quotes that we should all apply in our lives as Nigerians. “The dog barks but the caravan moves on” Detractors will have you continuously believe that the economy is not improving or that the climate is not prime for entrepreneurial development but this recognition alongside all the recent pronouncements by the World Bank and the United Nations on the success of the NSIPs shows that it’s actually our scepticism that’s holding us all back from exploring all the policies being put in place by this administration. The question Nigerians should be asking is why have we climbed up the World Bank’s Ease of Doing Business 2020? What are the things we are doing right and how could we possibly improve. World Bank used 12 areas of business regulation to measure countries globally and they are, starting a business; dealing with construction permits; getting electricity; registering property; ge...

The  Ministry of Foreign Affairs  has urged qualified Nigerians to apply for the vacant position of Director-General of the Islamic Centre for Development of Trade in Casablanca, Kingdom of Morocco. According to the Organisation of Islamic Cooperation (OIC) Secretariat, applications for the vacant position must be accompanied by detailed curriculum vitae and should be sent to: Directorate of Cabinet, OIC General Secretariat, PO Box 178, Jeddah-21411, Kingdom of Saudi Arabia, Fax No. +966126512288, Email: vacancy@oic-oci.org The ministry’s spokesperson, Ferdinand Nwonye, in a statement, said the deadline for the submission of application is Thursday, October 31, 2019. The ministry urged interested applicants to visit: https://www.oic-oci.org/vacancies and click on vacancies at the bottom of the website for details. The ministry also asked qualified Nigerians to apply for the vacant position of Public Relations (PR) and Outreach Adviser at the Islamic Organisation ...

NIGERIA MOVES UP 15 PLACES TO 131 IN WORLD BANK DOING BUSINESS RANKING FOR 2020. NAMED GLOBAL TOP-10 IMPROVER FOR THE SECOND TIME IN THREE YEARS Thursday 24th October, 2019 – The World Bank’s 2020 Doing Business Index (DBI) has ranked Nigeria 131 out of 190 countries, up 15 places from 146 position last year. The report, which was released on October 24, 2019 also named Nigeria one of the top 10 most improved economies in the world for the second time in three years. Nigeria is one of only two African countries to make this highly prestigious list. With this year’s leap, Nigeria has improved an aggregate of 39 places in the World Bank Doing Business index since 2016. The Doing Business Index is an annual ranking that objectively assesses prevailing business climate conditions across 190 countries based on 10 ease of doing business indicators. The index captures ease of doing business reforms that have been validated by the private sector, and offers comparative insights based on ...

Let me put a proper perspective to the  @retsonbiz   @NGFarmersGroup  existential and sucess story. The NFGCS, which is the acronym for Nigeria Farmer's Group and Cooperative Society was registered as a cooperative in early 2017. A litte over 2 and half years ago. provided the sum of N1,500,000 ONLY as a take off loan. It was and remains the only loan we have ever granted a new business entity without any proven revenue model. As the NFGCS leased land and began preparation for farming, membership subscription happened simultaneously. Within about 3 months, membership in the cooperative had surpassed 300, and crowdfunding/contribution/subscription to cultivate maize, which was the first crop to be cultivated had topped N100m. The first year of farming season was a success despite earthworm challenges. Membership of the cooperative increased after the first farming season, and so did subscription to cultivate variety of crops increase. The farm diversified crop cul...

By Seun Bisuga The 2018 Graduate Skills ranking by the World Economic Forum, placed Nigeria on 135 out of 140 countries, this simply shows that most Nigerian graduates don’t have the requisite skills, experience and knowledge for the dream job that they crave, even worse, is the fact that most of them are not professionally aware of the sector they seek to work in. Personally, I have had firsthand experience with many Nigerian graduates in the last two years, interviewing them and also asking basic questions but the answers I get are rather fascinating. They appear to have little knowledge of the main course they studied in school and very little of what policies and programmes are happening around them. Hence, the cliché that Nigerian graduates are “unemployable” is sometimes apt, when you see graduates who cannot write proper English or even speak; you sometimes wonder how they graduated. I understand that no one is a master of both written and spoken English but everyone is e...

Some Nigerians have argued that the $322.5m General Sani Abacha loot recovered from the Swiss government by the Buhari administration could have been used for other infrastructural projects instead of sharing N5000 each to 400,000 poor households over a period of time. BUT HERE ARE THE REASONS WHY THE FEDERAL GOVERNMENT OF NIGERIA COULD NOT HAVE DONE OTHERWISE. 1.       The Swiss court ruled that the Abacha loot will only be returned to Nigeria if Nigeria nominates a project that is aimed at alleviating poverty. 2.       The Swiss Court ordered the commencement of repatriation of Abacha loot on the condition that the World Bank would supervise utilization to prevent mismanagement and re-looting. 3.       Nigeria had to sign a Memorandum of Understanding with the Swiss government and the network of Civil Societies (CSOs). 4.       The Swiss court rejected Fast Power P...

15 HEALTH BENEFITS OF BENISEED (SESAME SEED) Helps nourishes the Skin Helps to moderate cholesterol Level Helps in detoxifying the Liver Helps in asthma Treatment Helps in maintaining Strong Bones  Serves as weight-loss Diet Prevent diabetes Prevent anaemia & other blood diseases Prevents/ treats constipation Protect the organs from radiation effects Good for the Heart Good for Eye Health Good for Oral Health Good for Pregnant Women Balances Sex Hormone

Wazobia FM has apologised and retracted its story on the allegations made by Timi Frank that Vice President Yemi Osinbajo received N90 billion from FIRS as campaign funds for 2019 polls. Wazobia FM apologized to Prof. Osinbajo, saying that it had since discovered, like other well-meaning individuals and Nigerian organisations including Vanguard Newspaper that the allegations were baseless, untrue and unsubstantiated. The radio station aired the news report of the unfounded allegations on its popular programme titled: ”Dem Say Dem Say”, retracted the reports, saying ”We are sorry Vice President.” Wazobia FM tendered its unreserved apology to Prof Osinbajo thorough the presenter of the programme, popularly known as Expensive James, saying that it erroneously joined the broadcast of fake news. It was gathered that the Vice President, had ,through his solicitors, Osaror Ehogbami SAN and Femi Atoyebi SAN, written to the station that the report was meant to tarnish his hard-earned reputation...

IF YOU DO MOBILE BANKING with your phone, there is a need to put a PIN on your SIM, otherwise your account can be wiped clean anytime you lose your phone or your phone is stolen. The process to do is very simple but if ignored can cost all your life savings. For those who don't know about it yet, just follow these simple steps to protect the hacking of Your bank account through SIM THEFT. 1. Go to SETTINGS on Your phone. 2. Go to SECURITY & LOCATION under SETTINGS 3. Go to SIM CARD LOCK. 4. Click on LOCK SIM CARD. 5. Enter your mobile network default SIM CARD PIN. *For MTN users it is "0000".                          *For AIRTEL users it is "1111". *For 9MOBILE users it is "0000"                         * For GLO  users,  it is "0000"  6. After entering the MOBILE NETWORK DEFAULT PIN, under it You will see " CHANGE SIM PIN",...

The First Lady of Nigeria, Dr. Mrs. Aisha Muhammadu Buhari returned to the country after a long holiday in the  UK on Sunday morning . She arrived at the Nnamdi Azikiwe International Airport at 4.30am via a British Airways flight. Speaking to reporters on arrival, Mrs. Buhari said she was happy to be home after a well-deserved rest. She confirmed that she was fully rejuvenated to continue the work of improving the health and well-being of women, children and other vulnerable Nigerians. She used the opportunity to thank her husband, family and well-wishers for their support and encouragement. On hand to receive her were wives of present and former and governors and many associates.