Throw it over the cliff!

Once upon a time in a faraway land, there lived a Chinese wise man and his disciple. One day in their travels, they saw a hut in the distance. As they approached they realized that it was occupied in spite of its extremely poor appearance.
In that desolate place where there were no crops and no trees,
a man lived with his wife, three young children and a thin, tired cow. Since they were hungry and thirsty, the wise man and his disciple stopped for a few hours and were well received. At one point, the wise man asked:
“This is a very poor place, far away from anything. How do you
survive?”
“You see that cow? That’s what keeps us going,” said the head
of the family. “She gives us milk, some of it we drink and some were make into cheese. When there is extra, we go into the city and exchange the milk and cheese for other types of food.
That’s how we survive.”
The wise man thanked them for their hospitality and left. When he reached the first bend in the road, he said to his disciple:
“Go back, get the cow, take her to the cliff in front of us, and push her off.”
The disciple could not believe what he was hearing.
“I cannot do that, master! How can you be so ungrateful? The
cow is all they have. If I throw it on the cliff, they’ll have no way to survive. Without the cow, they’ll all die!”
The wise man, an elderly Chinese man, took a deep breath
and repeated the order: “Go ahead. Push the cow off the cliff.” Though outraged at what he was being asked to do, the student was resigned to obey his master.
He returned to the hut and quietly led the animal to the edge
of the cliff and pushed. The cow fell down the cliff and died.
As the years passed by, remorse for what he had done never left the disciple. One spring day, the guilt became too much to bear and he left the wise man and returned to that little shack. He wanted to find out what had happened to that family, to help them out, apologize, or somehow make amends.
Upon rounding a turn in the road, he could not believe what his eyes were showing him. In place of the poor shack there was a beautiful house with trees all
around, a swimming pool, several cars in the garage, a satellite dish, and on and on. Three
good-looking teenagers and their parents were celebrating their first million dollars.
The heart of the disciple froze. What could have happened to the family? Without a doubt, they must have been starving to death and forced to sell their land and leave. At that moment, the student thought they must all be begging on the street corners of some city. He approached the
house and asked a man that was passing by about the whereabouts of the family that had lived
there several years before.
“You’re looking at it,” said the man, pointing to the people gathered around the barbecue.
Unable to believe what he was hearing, the disciple walked through the gate and took a few steps
closer to the pool where he recognized the man from several
years before, only now he was strong and confident, the woman was happy, and the children were now nice-looking teenagers.
He was dumbfounded, and went over to the man and asked:
“What happened? I was here with my teacher a few years ago and this was a miserable place.
There was nothing. What did you do to improve your lives in
such a short time?”
The man looked at the disciple, and replied with a smile:
“We had a cow that kept us alive. She was all we had. But one
day she fell down the cliff and died. To survive, we had to start doing other things, develop skills we didn’t even know we had.
And so, because we were forced to come up with new ways of
doing things, we are now much better off than before.”
Moral of the story: Sometimes our dependency on something small and limited is the biggest
obstacle to our growth. Perhaps the best thing that could happen to you is to push your “cow” down the cliff. Once you free yourself of the thought “it’s little
but it’s certain,” or of that idea “I am not doing great but there are people who are much worse than me” — then your life will
really change.

Is there a cow in your life that is keeping you miserable?

 Close year 2015 by throwing it off the cliff!!!

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Budget 2016

FULL TEXT OF PRESIDENT MUHAMMADU BUHARI'S 2016 BUDGET ADDRESS AT THE NATIONAL ASSEMBLY TODAY.

PROTOCOLS
I am honored and privileged to present the 2016 Budget proposal. This is my first address before this joint session of the National Assembly. I have come here today, not only to address members of the National Assembly, but also to speak directly to the men and women who placed us here.

2.      I know the state of our economy is a source of concern for many. This has been further worsened by the unbridled corruption and security challenges we have faced in the last few years. From those who have lost their jobs, to those young people who have never had a job, to the people in the North East whose families and businesses were destroyed by insurgents, this has been a difficult period in our nation’s history, lessons that we must not forget or ignore, as we plan for the future.

3.      By June 2014, oil prices averaged $112 per barrel. But as at today, the price is under $39 per barrel. This huge decline is having a painful effect on our economy. Consumption has declined at all levels. In both the private and public sectors, employers have struggled to meet their salary and other employee related obligations. The small business owners and traders have been particularly hard hit by this state of affairs.

4.      Fellow Nigerians, the confidence of many might be shaken. However, I stand before you today promising that we will secure our country, rebuild our economy, and make the Federal Republic of Nigeria stronger than it has ever been.

5.      The answers to our problems are not beyond us. They exist on our farmlands; our corporations; in the universities in the hearts and minds of our entrepreneurs; through the gallantry of our Armed Forces; and the resolute spirit of Nigerians, especially the youth, who have refused to give up despite all the obstacles confronting them.
6.      This Budget proposal, the first by our Government, seeks to stimulate the economy, making it more competitive by focusing on infrastructural development; delivering inclusive growth; and prioritizing the welfare of Nigerians. We believe that this budget, while helping industry, commerce and investment to pick up, will as a matter of urgency, address the immediate problems of youth unemployment and the terrible living conditions of the extremely poor and vulnerable Nigerians.

7.      In the medium to longer term, we remain committed to economic diversification through import substitution and export promotion. This will build resilience in our economy. It will guarantee that the problems we have today, will not confront our children and their children. This shall be our legacy for generations to come.

2015: A Year of Global and Domestic Challenges
8.      Today, it is widely acknowledged that the global economy has slowed down. This is particularly the case with emerging markets such as Nigeria. However, despite the weak emerging market growth rates, our domestic security challenges, declining oil prices, and the attendant difficulties in providing foreign exchange to meet market demands, the Nigerian economy grew by 2.84% in the third quarter of 2015.

9.      We have, and will continue to implement strategies that will maintain macroeconomic stability and manage the oil price shocks we are experiencing.

10.      Upon the inauguration of this administration on 29th May 2015, we engaged key stakeholders from various sectors of our economy and interfaced with the heads of Ministries, Departments and Agencies (MDAs) in order to understand the true state of our nation. What we found prompted us to take certain strategic decisions.
11.    On the economy, we injected new leadership at the helm of our revenue generating agencies including the Federal Inland Revenue Service (FIRS), Nigerian National Petroleum Corporation (NNPC), Nigerian Communications Commission (NCC), and the Nigerian Customs Service (NCS). We implemented the Treasury Single Account (TSA) which, so far, has provided greater visibility of Government revenues and cash flows. We intervened to support States to navigate their fiscal challenges by restructuring their commercial bank loans and by providing facilities to enable them to pay salary arrears.

12.      We have demonstrated a strong will to fight corruption. I am sure you will agree that the sheer scale of corruption and impunity of the past explains in part, the economic challenges we now face. On these initiatives, and the many more to come, we shall not be deterred. We will pursue the recovery of everything that belongs to the people of Nigeria. No matter where it is hidden. No matter how long it will take.

2015 Budget Performance
13.    Distinguished and honourable members of the National Assembly, I now present a review of the 2015 Budget. That Budget was based on a benchmark oil price of $53 per barrel, oil production of 2.28 million barrels per day and an exchange rate of N190 to the US$.

14.    The projected revenue was N3.45 trillion, with an outlay of N4.49 trillion, implying a deficit of N1.04 trillion. Due largely to under-provisioning by the previous administration for fuel subsidy and the costs required to support the military operations in the North East, the Government had to obtain National Assembly’s approval for a supplementary budget of N575.5 billion. I take this opportunity to thank all members of the National Assembly for the prompt passage of that Bill.

2016: Budget Assumptions
15.      After reviewing the trends in the global oil industry, we have set a benchmark price of $38 per barrel and a production estimate of 2.2 million barrels per day for 2016. We have focused on non-oil revenues by broadening our tax base and improving the effectiveness of our revenue collecting agencies.

16.      Also, with the full implementation of the Treasury Single Account, we expect significant improvements in the collection and remittance of independent revenues. To further support the drive for increased remittances, we will ensure that all MDAs present their budgets in advance, and remit their operating surpluses as required by section 22 of the Fiscal Responsibility Act.

17.    We are determined to ensure that our resources are managed prudently and utilized solely for the public good. To set the proper tone, one of our early decisions was the adoption of a zero based budgeting approach, which ensures that resources are aligned with Government’s priorities and allocated efficiently. This budgeting method, a clear departure from previous budgeting activities, will optimize the impact of public expenditure.

18.      In addition to the proper linkage of budgeting to strategic planning, we are enhancing the utilization of the Government Integrated Financial Management Information Systems (GIFMIS) to improve financial management. The recently established Efficiency Unit is working across MDAs to identify and eliminate wasteful spending, duplication and other inefficiencies. We engaged costing experts to scrutinize the 2016 budget proposals. They have already identified certain cost areas that can be centralized for economies to be made.

19.      We have directed the extension of the Integrated Personnel Payroll Information System (IPPIS) to all MDAs to reap its full benefits. We will also strengthen the controls over our personnel and pension costs with the imminent introduction of the Continuous Audit Process (CAP). These initiatives will ensure personnel costs are reduced. Our commitment to a lean and cost effective government remains a priority, and the initiatives we are introducing will signal a fundamental change in how Government spends public revenue.

2016: Laying the Foundation for Sustainable Growth
20.    The 2016 budget, as outlined, is designed to ensure that we revive our economy, deliver inclusive growth to Nigerians and create a significant number of jobs.

21.      We aim to ensure macroeconomic stability by achieving a real GDP growth rate of 4.37% and managing inflation. To achieve this, we will ensure the aligning of fiscal, monetary, trade and industrial policies.

22.  As we focus on inclusive growth, we are conscious of the current rate of unemployment and underemployment. This is a challenge we are determined to meet; and this budget is the platform for putting more Nigerians to work. I can assure you that this administration will have a job creation focus in every aspect of the execution of this budget. Nigeria’s job creation drive will be private sector led. We will encourage this by a reduction in tax rates for smaller businesses as well as subsidized funding for priority sectors such as agriculture and solid minerals.
23.    As an emergency measure, to address the chronic shortage of teachers in public schools across the country, we also will partner with State and Local Governments to recruit, train and deploy 500,000 unemployed graduates and NCE holders. These graduate teachers will be deployed to primary schools, thereby, enhancing the provision of basic education especially in our rural areas.

24.    We also intend to partner with State and Local Governments to provide financial training and loans to market women, traders and artisans, through their cooperative societies. We believe that this segment of our society is not only critical to our plan for growing small businesses, but it is also an important platform to create jobs and provide opportunities for entrepreneurs.

25.    Furthermore, through the office of the Vice President, we are working with various development partners to design an implementable and transparent conditional cash transfer program for the poorest and most vulnerable. This program will be implemented in phases. Already, the compilation of registers of the poorest persons is ongoing. In the coming weeks, we will present the full programme, which will include our home-grown public primary school feeding and free education for science, technology and education students in our tertiary institutions. Indeed, this will mark a historic milestone for us as a nation.
The 2016 Budget
26.    Distinguished members of the National Assembly, I now present, the 2016 Budget proposals of the Federal Government. Based on the assumptions I presented earlier, we have proposed a budget of N6.08 trillion with a revenue projection of N3.86 trillion resulting in a deficit of N2.22 trillion.

27.    The deficit, which is equivalent to 2.16% of Nigeria’s GDP, will take our overall debt profile to 14% of our GDP. This remains well within acceptable fiscal limits. Our deficit will be financed by a combination of domestic borrowing of N984 billion, and foreign borrowing of N900 billion totaling N1.84 trillion. Over the medium term, we expect to increase revenues and reduce overheads, to bring the fiscal deficit down to 1.3% of GDP by 2018.

28.      In 2016, oil related revenues are expected to contribute N820 billion. Non-oil revenues, comprising Company Income Tax (CIT), Value Added Tax (VAT), Customs and Excise duties, and Federation Account levies, will contribute N1.45 trillion. Finally, by enforcing strict compliance with the Fiscal Responsibility Act, 2007 and public expenditure reforms in all MDAs, we have projected up to N1.51 trillion from independent revenues.

29.      Although we are working to diversify our economy, we will not lose sight of the need to restructure the oil and gas sector which has been marred by corruption and plagued with inefficiencies. Accordingly, I have directed the Petroleum Products Pricing Regulatory Agency (PPPRA) to adjust its pricing template to reflect competitive and market driven components. We believe this can lower input costs and attain efficiency savings that will enable PPPRA to keep the selling price for all marketers of petrol at N87 per liter for now.

30.    The current fuel scarcity with long queues at petrol stations all over the country causing social dislocation is very unfortunate. Government profoundly apologizes to Nigerians for this prolonged hardship and misery. It is as a result of market speculators and resistance to change by some stakeholders. Government is working very hard to end these shortages and bring fuel to the pumps all over the country.

31.      I have also directed the NNPC to explore alternate funding models that will enable us to honour our obligations in Joint Ventures (JVs) and deep offshore fields. We are confident that these measures can be achieved and will lower the burden that the traditional cash calls have imposed on our budget and cash flows as well as contribute towards shoring up our national reserves.

32.      To deliver our development objectives, we have increased the capital expenditure portion of the budget from N557 billion in the 2015 budget to N1.8 trillion, in the 2016 budget. Distinguished and honourable members of the National Assembly, for the first time in many years, capital expenditure will represent 30% of our total budget. In future years we intend to raise the percentage allocation for capital expenditure.

33.      This is a fulfillment of our promise to align expenditure to our long-term objectives, and a sign of government’s commitment to sustainable development. This increased capital expenditure commits significant resources to critical sectors such as Works, Power and Housing – N433.4 billion; Transport – N202.0 billion; Special Intervention Programs – N200.0 billion; Defence – N134.6 billion; and Interior – N53.1 billion. These investments in infrastructure and security are meant to support our reforms in the Agriculture, Solid Minerals and other core job creating sectors of our economy.

34.      We will invest to safeguard lives and property.

35.      We will invest in equipping our farmers with the right tools, technology and techniques.

36.  We will invest in empowering and enabling our miners to operate in a safe, secure and humane environment.

37.      We will invest in training our youths, through the revival of our technical and vocational institutions, to ensure they are competent enough to seize the opportunities that will arise from this economic revival.

38.  Indeed, the future looks bright. And I ask that we all work together to make this vision a reality. The 223% year on year growth in capital expenditure demonstrates our desire to make Nigeria more competitive, and start the journey to deliver sustainable development in our country.
39.    In fulfillment of our promise to run a lean government, we have proposed a 9% reduction in non-debt recurrent expenditure, from N2.59 trillion in the 2015 Budget to N2.35 trillion in 2016. Furthermore, we have budgeted N300 billion for Special Intervention Programs, which takes the total amount for non-debt recurrent expenditure to N2.65 trillion.

39.    As I mentioned earlier, the Efficiency Unit set up by this Administration together with effective implementation of GIFMIS and IPPIS will drive a reduction of overheads by at least 7%, personnel costs by 8% and other service wide votes by 19%. Distinguished and honourable members, this budget will be executed to provide optimum value by ensuring every naira spent by this Government, counts.

40.      We will devote a significant portion of our recurrent expenditure to institutions that provide critical government services. We will spend N369.6 billion in Education; N294.5 billion in Defence; N221.7 billion in Health and N145.3 billion in the Ministry of Interior.  This will ensure our teachers, armed forces personnel, doctors, nurses, police men, fire fighters, prison service officers and many more critical service providers are paid competitively and on time.

41.      Distinguished and honourable members of the National Assembly, our 2016 borrowings will be principally directed to fund our capital projects. Furthermore, the sum of N113 billion will be set aside for a Sinking Fund towards the retirement of maturing loans; while N1.36 trillion has been provided for foreign and domestic debt service. This calls for prudent management on our part, both of the debt portfolio and the deployment of our hard earned foreign exchange earnings.

42.    I am aware of the problems many Nigerians currently have in accessing foreign exchange for their various purposes – from our traders and business operators who rely on imported inputs; to manufacturers needing to import sophisticated equipment and spare parts; to our airlines operators who need foreign exchange to meet their international regulatory obligations; to the financial services sector and capital markets who are key actors in the global arena.

43.    These are clearly due to the current inadequacies in the supply of foreign exchange to Nigerians who need it. I am however assured by the Governor of Central Bank that the Bank is currently fine-tuning its foreign exchange management to introduce some flexibility and encourage additional inflow of foreign currency to help ease the pressure. 

44.      We are carefully assessing our exchange rate regime keeping in mind our willingness to attract foreign investors but at the same time, managing and controlling inflation to level that will not harm the average Nigerians. Nigeria is open for business. But the interest of all Nigerians must be protected. Indeed, tough decisions will have to be made. But this does not necessarily mean increasing the level of pain already being experienced by most Nigerians.

45.    So to the investors, business owners and industrialists, we are aware of your pains. To the farmers, traders and entrepreneurs, we also hear you. The status quo cannot continue. The rent seeking will stop. The artificial current demand will end. Our monetary, fiscal and social development policies are aligned.

Conclusion
46.      Mr. Senate President, Mr. Speaker, distinguished members of the National Assembly, in spite of the global economic uncertainties; we must remain steadfast in our commitment to steer this country back to greatness.

47.    The Nigerian economy needs to move away from dependency on oil. Our growth must be inclusive. Nigerians must be part of the growth story. As a Government, we shall deliver security, jobs and infrastructure. This is the right of all Nigerians.

48.    I know many people will say “I have heard this before”. Indeed, trust in Government, due to the abuse and negligence of the past, is at an all-time low. This means we must go back to basics. Our actions will speak for us. My team of dedicated, committed and patriotic Nigerians is well aware of the task ahead and I can assure you that we are taking on the challenge.

49.      We will not betray the trust reposed in us.

50.    We will welcome and be responsive to your feedback and criticisms.

51.    We are here to serve. And indeed, Nigerians will get the service they have longed for and which they rightly deserve.
52.    We as a Government cannot do it alone. We will require the support of all civil servants, the organized labour, industry groups, the press and of course, our religious and traditional institutions. This is a call for all of us to stand and serve our country.

53.    This Budget represents a major step in delivering a new opportunity for Nigeria. It demonstrates our confident optimism that despite the challenging times, we have the will, resourcefulness and commitment to deliver prosperity to our people. And by the Grace of Almighty God and the sheer will and determination of the Nigerian people, we will come out stronger and more united than ever.

54.    Thank you and God bless the Federal Republic of Nigeria.

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Recruitment!  Recruitment!
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The staff recruited will work in the areas of consulting, training,  recruitment,  Microfinance and real estate.
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urgent vacancy for customer loyalty officer

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Vacancy for Cashiers

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VACANCY FOR BUSINESS DEVELOPMENT MANAGER IN FMCG SECTOR

VACANCY FOR BUSINESS DEVELOPMENT EXECUTIVE IN FMCG SECTOR

NAME & ADDRESS OF COMPANY	CLIENT IN LIQUIOR BUSINESS, Company is located in Opebi, Ikeja, Lagos, Nigeria.
CONTACT EMAIL ADDRESS	coinboxlimited@gmail.com, piusandrew@hotmail.com
JOB TITLE	BUSINESS DEVELOPMENT MANAGER
DEPARTMENT	BUSINESS DEVELOPMENT/MARKETING
KEY JOB SPECIFICATION/RESPONSIBILITY	-GROW THE BUSINESS MARKET SHARE - INTRODUCE NEW MARKETS/ACTIVATIONS - SUPPORT DISTRIBUTORS TO GROW THEIR MARKETS -MANAGE THE MARKETING STAFF - CREATE, MANAGE, CORDINATE AND ORGANISE CAMPAIGNS AND PROMOTIONS
PERSON SPECIFICATION	-          TEAM LEADER -          YOUNG AND INTELLIGENT -          A GO GETTER -          CREATIVE AND DYNAMIC -          PROACTIVE -          EXPERIENCED IN SAME OR SIMILAR FIELD (2-3YRS MINIMUM) -          I T SAVY -          A GRADUATE WITH MINIMUM QUALIFICATION OF B.SC AT 2ND CLASS LEVEL, MASTERS AN ADDED ADVANTAGE
JOB DESCRIPTION	-          MANAGE AND SUPPORT CURRENT DISTRIBUTOR BASE -          ENLIST NEW ACTIVE AND FUNCTIONAL DISTRIBUTORS -          RECRUIT AND SUPPORT NEW MARKETERS -          COORDINATE STAFF ACTIVITIES -          CREATE AND CORDINATE ACTIVATIONS -          GROW BUSINESS MARKET SHARE -          CREATE AND GROW NEW PRODUCT LINES -          GROW THE BUSINESS
KEY PERFORMANCE INDICATORS	1.       PERFORMANCE OF PRESENT DISTRIBUTORS IN TERMS OF GROWTH 2.       MARKET/BUSINESS ACTIVATIONS 3.       GENERAL BUSINESS GROWTH BY INDICES 4.       STAFF/TEAM PERFORMANCE 5.       Level of personal development
REPORTS TO/SUPERVISED BY	REPORTS DIRECTLY TO THE MD/CEO
EDUCATIONAL QUALIFICATION (S)	MINIMUM QUALIFICATION OF A B.SC OR EQUIVALENT FROM A RECOGNISED UNIVERSITY A SECOND DEGREE AN ADDED ADVANTAGE PROFESSIONAL AFFILIATIONS ALSO AN ADVANTAGE
MINIMUM COGNATE EXPERIENCE REQUIRED	MINIMIUM WORK EXPERIENCE IN SIMILAR OR SAME FIELD OF AT LEAST 2-3YEARS
BUSINESS SUPPORT TOOLS e.g official car	-          OFFICIAL CAR BASED ON A PERFORMANCE THRESHOLD -          PHONE/TAB -          LAPTOP
REMUNERATION & OTHER BENEFITS	SALARY AT A MINIMUM OF NGN1.8M – NGN4M AVAILABILITY OF OTHER BENEFITS LIKE HEALTH INSURANCE, HOUSING, EDUCATIONAL UPGRADE, ETC. pension and other regulatory benefits included.
HOW SOON IS THE APPLICANT EXPECTED TO RESUME IF EMPLOYED	IMMEDIATELY
No. OF VACANCY TO BE FILLED	1(ONE)
COMPANY CONTACT PERSON AND FULL CONTACT DETAILS	All resumes should come with passport photo attached and sent to coinboxlimited@gmail.com and copy piusandrew@hotmail.com
PROPOSED SALARY RANGE	Minimum range of NGN1.8m – NGN3m

Thank you.                                  

COINBOX LIMITED.

 coinboxlimited@gmail.com

234-1-4541821, 2348023526682, 07046085597

5, Soji Adepegba Close, off Allen Avenue, Ikeja, Lagos.

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Fundamentals of Economic Analysis, Lecture 1: Scarcity, Choice, and Valu...

INVERTER FINANCE

Coinbox Cooperative in collaboration with GTI is providing inverter finance for her members and payment done over 6 months maximum.

your power worries are now over hurry come to Coinbox Cooperative today!

Requirements:

• Membership of Coinbox Cooperative (just register with NGN2,000)
• An account relationship with the bank for a minimum of 30 days (if applicable)
• Completed loan form
• Acceptable guarantor
• Statement of net worth for both the borrower and the guarantor
• 6 months bank statement of borrower and guarantor
• Executed but undated cheques of borrower and guarantor
• Acceptable means of ID card
• Passport photos of both guarantor and borrower
• Board resolution for corporate requests
• Cash Equity of 30 %
• Acceptable collateral in form of shares, equipment, household items, landed property, fixed deposit, cars, etc
• Tenors run to a maximum of 6 months
• Company documents such as Certificate of Incorporation photocopy, Memorandum and Article of Association, Form C07,Form C02 will be required for corporate accounts
• Referal letter from Coinbox (at a fee of 5%)
• Profoma invoice from a recognised inverter company
• monthly savings with the cooperative 
• 
  
• charges for this service are:
• 2% flat – Loan Processing Fee (paid upfront)
• 2% flat – Management Fee (paid upfront)
• • 5% flat – Interest Rate (charged on reducing balance after the first 30 days)
  • N500 – N3000 – Loan form (depending on the volume)Other charges such as corporate search and credit history search will apply as applicable and these typically run between N1,000 to N20,000 collectively.

CONTACTS

for further details contact us at our office at 5, Soji Adepegba Close, Off Allen Avenue, Ikeja, Lagos.

email - coinboxlimited@gmail.com

or you can call: 01-4541821, Pius on 08172844282, Ayo 09093929847

Get your inverter with convenience now!

GENERATOR FINANCE

Coinbox Cooperative in collaboration with GTI is providing generator finance for her members and payment done over 6 months maximum.

your power worries are now over hurry come to Coinbox Cooperative today!

Requirements:

• Membership of Coinbox Cooperative (just register with NGN2,000)
• An account relationship with the bank for a minimum of 30 days (if applicable)
• Completed loan form
• Acceptable guarantor
• Statement of net worth for both the borrower and the guarantor
• 6 months bank statement of borrower and guarantor
• Executed but undated cheques of borrower and guarantor
• Acceptable means of ID card
• Passport photos of both guarantor and borrower
• Board resolution for corporate requests
• Cash Equity of between 30 % depending on the volume
• Acceptable collateral in form of shares, equipment, household items, landed property, fixed deposit, cars, etc
• Tenors run to a maximum of 6 months
• Company documents such as Certificate of Incorporation photocopy, Memorandum and Article of Association, Form C07,Form C02 will be required for corporate accounts
• Referal letter from Coinbox (at a fee of 5%)
• Profoma invoice from a recognised generator company
• monthly savings with the cooperative
  charges for this service are:
• 2% flat – Loan Processing Fee (paid upfront)
• • 2% flat – Management Fee (paid upfront)
  • 5% flat – Interest Rate (charged on reducing balance after the first 30 days)
  • N500 – N3000 – Loan form (depending on the volume)Other charges such as corporate search and credit history search will apply as applicable and these typically run between N1,000 to N20,000 collectively.

CONTACTS

for further details contact us at our office at 5, Soji Adepegba Close, Off Allen Avenue, Ikeja, Lagos.

email - coinboxlimited@gmail.com

or you can call: 01-4541821, Pius on 08172844282, Ayo 09093929847

Get your generator with convenience now!

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