I met these guys who sell a software that you can install on your phone and I later got to understand that they are agents who get a commission according to a predefined formula - I am just wondering if this is the same model that is being used here.

I guess it it almost like giving people a platform to earn according to how they perform which would not have been a  problem if the economy was good and people had money to deposit. I still think that it is better to leave the choice in the hands of the people; what i mean is, people should be free to try out things and leave them if these things do not work. Life is a journey and generally it is cathodic such that you cannot get to one position without passing though another and we continually build upon our experience and opportunities.

The government needs to do more in encouraging entrepreneurship and then there would be jobs and real choices and for those who choose to remain in banks as sales agents, there will actually be money for them to open accounts with and no one would notice the 25K allowance because all agents would be earning huge commissions on sales!

I strongly agree that every one who works should be well rewarded but I also do not want to pay COT and I do not like to pay high rates on my loans and sometimes I have defaulted even after re-structuring my loans nor do i like it when no dividends are paid on my investments so really, it is always easier to point a finger at someone else.

Just Imagine if we had uninterrupted power supply, many of graduates will chase their own initiatives and there will be real choices and the economy would be in motion like never before.

I don't know why we have all taken this thing out of context and blown it out of proportion! The country is tough at the moment and we are all being forced to make tough choices both individuals and organisations and it seems real change can only come from the government - through the people.

I had a friend who was almost losing his sanity after staying at home with a 3rd Class degree for 3yrs after graduation and I had to beg a friend in the banks to consider him as a Sales Agent - and that is exactly what it is whether at FCMB or any other bank, these people are engaged as sales agent who get a commission based income.  My friend who became a sales agent has not suddenness become a Bigs Boys but at least he is not begging me for money every and I understand there was a month a made a commission of N90,000 un top of his  his usual 25K and he got promoted to a senior Sales Agent a short while later with a larger monthly stipend.

I don't know about you but this job as bad as it is saved my friend's sanity - of course he complains and wishes for something better but that is usually on a month when sales did not go well - and let us face it who does not want something better? With his experience as a sales agent, he was almost getting a fuletime job in another bank before the sunami hit but that was a blessing in disguise because that bank which I will not name for ethical reasons retrenched people en mass just to stay alive.

That is another thing about all these banks - especially before shake up - many of them were just loud and promising outrageous rewards that they knew very well they could not sustain - how many fulltime workers in banks have had massive salary cuts over the last year? Countless!! The truth is that if there were job,s agents with carry their experienec and run for greener pastures and if the banks are really making money from any scheme or avenue, they will be willing to pay more to keep the egg that lays the golden egg.

The problem is that things are hard! Nigeria is a tough place to run a business in, I have tried it and I know, Do you know what it takes to run a generator for 12 hours?  That is not to say that people should not get a living wage or a decent standard of living but in the end, it is really the government that can change things for us and that change must come from the top. In the meantime, let us encourage all those who are making an effort towards the better be it workers or employers because you never know what effect a simple comment could have.