The Petrol Subsidy as we had it before was settled to each marketer/importer/retailer, where each marketer/importer will have to file subsidy returns to the government, and they get paid given the margin between the total landing cost (Could differ around the country) and the total revenue (official price x units sold).

The shortfall financing in this case is just NNPC selling their fuel at a reduced price and as well financing the margin as stated above.

Guess the salient difference here is that NNPC is the only marketer that can file returns to the government, which I think was the objective to start with. A lot of retailers under the subsidy regime will usually ship their products out to other countries to sell more fuel, and claim more subsidies.

Doesn’t feel like the subsidy removal was well thought out and planned anyway, we’ve got kinda like a single importer, and there’s bound to be a lot of bottleneck and throttling(Every retailer will have to buy from NNPC, if they are going to have a competitive price) hence the scarcity we have now, but I guess they can monitor the supply chain better now.

Great guy, report was complete and prompt.

ufotty2001:
please stop using grey. Ooohh!! Let me warn u now... Alot of people money have been trapped since last month they can't withdraw.. if u have money there now sorry for u.. am a victim now

You open to DM? 09034882022 on WhatsApp

I think you can use Grey.co, they give out free USD receiving accounts as well as GBP and Euro

Cutezt:


Don't get it wrong, I am in no way saying I am rejoicing at seeing people struggle, never, I never said it was easy for me either, it's hours and hours of labor with back pains, and yes, my text is filled with account numbers, so I help when I can. All I am trying to say is that irrespective of whatever is happening around me, I still will give God thanks because I know it is not my doing, I do help out to Raise the few I can too. So I am not in any way rejoicing, I am only saying mine is not as bad as others.

Alright, it’s good to thankful at all times, but you should commemorate when you should, and be grateful when you should. Kinda understand you now, but ur previous statement wasn’t so understandable.

Cutezt:
When I look at everything, I look at the struggles people face and I look at how relatively comfortable I am, all I can say is Thank you Lord.

This country no easy, especially when you dey Lagos Island

I think it is wrong for you to rejoice when others are crying. Might have been better to keep your gratitude privy and even better if you prayed for the others who aren’t so privileged.

Good day to everyone, so I decided to treat myself to the movie specified in the subject, and it feels like everytime you watch this movie, you learn new things at each turn. It feels like Ifa's proclamation could not have been avoided on Otun's fate, and it feels like every effort Otun made towards avoiding the prophecy still brought him closer to his end. What are your thougts and insights on this movie?

Job Specifications:
• Employment Type: Full-time
 Required Qualifications: BA/Bsc/HND
 Location: Iwere ile (Iwajowa Local Gov’t Oyo | Nigeria.
 Job Field: Finance/ Accounting
Job Description:
• This position reports to the CEO and serves as an integral member of the senior management team wearing the hat of Head of Finance.
• As the Head of Finance, the candidate will be responsible for developing, monitoring and evaluating overall corporate strategy with the CEO and other departments with emphasis on bottom line performance, working capital and enhancing shareholder value. This position will provide useful financial insights to help make better decisions about formulating and executing our strategy.
• All financial matters, including budget development, planning & reporting; managing the accounts, payroll and financial reporting of business performance.
• To work as part of the Senior management team to contribute financial and operational expertise in the development and implementation of organizational strategies, policies, practices, funding proposals and applications.
• To interact with the Board of Directors, Finance & Audit Committees, by providing financial reports and information to ensure sound financial structure.
• Play a significant role in long-term planning, including an initiative geared toward operational excellence.
• Oversee overall financial management, planning, systems and controls.
• Management of budget in coordination with the Chief Executive.

Responsibilities
• CEO and BOD
• Supporting the CEO and investors in additional fund raising, due diligence, mid-term financial planning and exit strategy.
• Presenting Board Packs to the Leadership team and backers.
• Establishing KPI's and reporting metrics.
• Preparation of monthly, quarterly and annual financial statements.
• Annual budgeting and forecasting for all business units.
• On-going business performance review.
• Analysing operational analysis and preparing meaningful MI to enhance corporate decision making.
• Providing finance related advice for new product analysis covering accounting, billing, risk management and taxation.
• Assisting in contract negotiations with suppliers.
• Establish internal control processes required to manage and grow the business
• Drive the annual budget process and the monthly reporting.
• Effectively lead the finance / accounting/operations team by developing and coaching existing team and by hiring and retaining top-grade talent.
• Develop and implement a financial risk management policy.
• Effectively manage bankers, board of director, suppliers, and other financial relationships
Regulatory & Statutory Relationship:
• Oversee the coordination and activities of independent auditors (Internal and External Auditors).
• Coordinates regulatory and supervisory functions.
• Manages relationship with regulatory and statutory bodies, i.e. NDIC, CBN, FIRS, LIRS, etc.
• Reviews and manages the Financial Risks undertaken by the business, and demonstrates a good understanding of the risk profile of the company whilst reporting risk issues, and mitigating all identified risks.
• Skills and Competencies:
• Strong budget and management skills, including proven ability to manage project/process.
• Ability to adapt to change quickly and multi-task.
• Excellent ability as a consultant/negotiator to influence company senior management and Board of Directors.
• Ability to deal with ambiguity, tight timelines, multiple priorities, and demanding Customers, in a fast-moving, constantly changing environment.
• High degree of professionalism, maturity and confidentiality.
• Strong oral, written interpersonal and presentation skills.
• Strong People skills- Building Collaborative Relationships, highly developed, demonstrated teamwork skill.
• Demonstrated ability to see the big picture and provide useful and strategic advice and input across the company and on the executive team.
• Creative and forward-thinking skill.
• Strong analytical and problem-solving skills.
• Ability to work within and manage a team of professional, guiding and coordinating towards achieving common objectives.
• Strong Leadership skills.
• Strong ethics.
• Responsible for presenting and reporting accurate and timely historical financial information of the Company.
• Responsible for capital planning and allocation as well as balance sheet optimization.
• Reports financial status by developing forecasts; reporting results; analyzing variances; developing improvements.
• Coordination of financial reports within the Company.
• Demonstrates an excellent understanding of Fintech financials as well as advanced business finance and performance analysis.
Qualifications and Requirements:
• A minimum of BA, Bsc or HND in Accounting, Business Administration or related discipline.
• Candidate should possess CIBN ICAN, customer service & interpersonal relation skills.
• Candidate should have 1-3 years of experience in related role.
• Proficiency in the use of Microsoft Packages especially Excel, Word, Power Point and etc is mandatory.
BENEFIT/ PACKAGES
We offer attractive remuneration package and opportunity for career and personal development.
Method of Application
All interested candidate(s) should please send an email containing your CV with the position being applied for as the subject of the email to: avemariamfb@ammilmfi.com
SELECTION/INTERVIEW:
Please note that shortlisted candidate(s) will be invited for interview via SMS and Telephone Call(s).
Deadline: August 10, 2021.

ChizzyBuna:
Omo at the end of the day, na abortion e go be cuz I can't handle this at all.

You'll regret it, if u ever try it!

[quote autho see wrer=Gunnhty post=103306329]It shall not be well with Tinubu for bringing this evil administration upon us

Tap Like for MAD MAN on the street
Tap Share for BUHARI[/quote]

[quote author=FreedomWinsNow post=102974023][/quote]He was being sarcastic.

AkalaJ:
Imagine this kind excuse coming from a governor. So na population increase make Fulani people to dey kill innocent people all over Nigeria, abi? Is Oyo the only state where killer Fulani herdsmen are disturbing people? Makinde is starting to sound very incompetent lately.

If you read the post critically, you'd realize he actually never made such a statement, it was just the point the not so smart reporter could pick from his statement. He was at the inauguration of the Board of the Oyo State Security Network Agency, codenamed Amotekun, where he endeared the corps members to be prepared for more security challenges as more people come in to Ibadan, due to its favourable policies. And well you can read the rest, I suppose. I won't lie, if I didn't know the man any better, I would have been so quick to react the same way. Terrible reporting.

....

...

.

MANAGING DIRECTOR
Job Specifications:
• Full Time
• Required Qualifications: B.sc/HND. MBA/CIBN Certification
• Location: Oyo (IWERE ILE | Nigeria.
Job Description:

• Experience in financial services.

• A proven record of success in senior management level, preferably in the microfinance banking industry.

• A wide knowledge of the microfinance banking industry.

• An understanding of financial management and wider management principles and techniques.

• Analytical and presentational skills.

• Knowledge of statutory requirements.

• A very high level of commercial awareness.

• Leadership skills.

• Excellent communication skills.

• Excellent organizational skills.

• Excellent analytical and problem-solving skills.
• Excellent credit analysis skills

Qualifications and Requirements:
• A minimum of B.sc/HND in any Finance of Business related discipline
• MBA/CIBN Certification.
• Candidate should have Not less than 8 years post qualification experience, minimum of 5 years in the financial services industry and minimum of 3 years at the senior management level.
BENEFIT/PACKAGES
We offer competitive remuneration package and opportunity for career and personal development.
Method of Application
All interested candidate(s) should please send an email containing your CV with the position being applied for as the subject of the email to: avemariamfb@ammilmfi.com
SELECTION/INTERVIEW:
Please note that shortlisted candidate(s) will be invited for interview via SMS and Telephone Call(s).
Deadline: June 20, 2021.


FINANCE MANAGER/HEAD OF FINANCE
Job Specifications:
• Employment Type: Full-time
 Required Qualifications: BA/Bsc/HND
 Location: Iwere ile (Iwajowa Local Gov’t | Nigeria.
 Job Field: Finance/ Accounting
Job Description:
• This position reports to the CEO and serves as an integral member of the senior management team wearing the hat of Head of Finance.
• As the Head of Finance, the candidate will be responsible for developing, monitoring and evaluating overall corporate strategy with the CEO and other departments with emphasis on bottom line performance, working capital and enhancing shareholder value. This position will provide useful financial insights to help make better decisions about formulating and executing our strategy.
• All financial matters, including budget development, planning & reporting; managing the accounts, payroll and financial reporting of business performance.
• To work as part of the Senior management team to contribute financial and operational expertise in the development and implementation of organizational strategies, policies, practices, funding proposals and applications.
• To interact with the Board of Directors, Finance & Audit Committees, by providing financial reports and information to ensure sound financial structure .
• Play a significant role in long-term planning, including an initiative geared toward operational excellence.
• Oversee overall financial management, planning, systems and controls.
• Management of budget in coordination with the Chief Executive.
Responsibilities
• CEO and BOD
• Supporting the CEO and investors in additional fund raising, due diligence, mid-term financial planning and exit strategy.
• Presenting Board Packs to the Leadership team and backers.
• Establishing KPI's and reporting metrics.
• Preparation of monthly, quarterly and annual financial statements.
• Annual budgeting and forecasting for all business units.
• On-going business performance review.
• Analysing operational analysis and preparing meaningful MI to enhance corporate decision making.
• Providing finance related advice for new product analysis covering accounting, billing, risk management and taxation.
• Assisting in contract negotiations with suppliers.
• Establish internal control processes required to manage and grow the business
• Drive the annual budget process and the monthly reporting.
• Effectively lead the finance / accounting/operations team by developing and coaching existing team and by hiring and retaining top-grade talent.
• Develop and implement a financial risk management policy.
• Effectively manage bankers, board of director, suppliers, and other financial relationships
Regulatory & Statutory Relationship:
• Oversee the coordination and activities of independent auditors (Internal and External Auditors).
• Coordinates regulatory and supervisory functions.
• Manages relationship with regulatory and statutory bodies, i.e. NDIC, CBN, FIRS, LIRS, etc.
• Reviews and manages the Financial Risks undertaken by the business, and demonstrates a good understanding of the risk profile of the company whilst reporting risk issues, and mitigating all identified risks.
• Skills and Competencies:
• Strong budget and management skills, including proven ability to manage project/process.
• Ability to adapt to change quickly and multi-task.
• Excellent ability as a consultant/negotiator to influence company senior management and Board of Directors.
• Ability to deal with ambiguity, tight timelines, multiple priorities, and demanding Customers, in a fast-moving, constantly changing environment.
• High degree of professionalism, maturity and confidentiality.
• Strong oral, written interpersonal and presentation skills.
• Strong People skills- Building Collaborative Relationships, highly developed, demonstrated teamwork skill.
• Demonstrated ability to see the big picture and provide useful and strategic advice and input across the company and on the executive team.
• Creative and forward-thinking skill.
• Strong analytical and problem-solving skills.
• Ability to work within and manage a team of professional, guiding and coordinating towards achieving common objectives.
• Strong Leadership skills.
• Strong ethics.
• Responsible for presenting and reporting accurate and timely historical financial information of the Company.
• Responsible for capital planning and allocation as well as balance sheet optimization.
• Reports financial status by developing forecasts; reporting results; analyzing variances; developing improvements.
• Coordination of financial reports within the Company.
• Demonstrates an excellent understanding of Fintech financials as well as advanced business finance and performance analysis.
Qualifications and Requirements:
• A minimum of B.Sc in Marketing, Business Administration or related discipline.
• Candidate should possess good marketing, customer service & interpersonal relation skills.
• Candidate should have 1-3 years of experience in related role.
• Proficiency in the use of Microsoft Packages especially Excel, Word, Power Point and etc is mandatory.
BENEFIT/ PACKAGES
We offer attractive remuneration package and opportunity for career and personal development.
Method of Application
All interested candidate(s) should please send an email containing your CV with the position being applied for as the subject of the email to: avemariamfb@ammilmfi.com
SELECTION/INTERVIEW:
Please note that shortlisted candidate(s) will be invited for interview via SMS and Telephone Call(s).
Deadline: June 20, 2021.




HEAD OF CREDIT AND MARKETING
Job Specifications:
• Job Type: Full Time
• Required Qualifications: BA/BSc/HND, MBA/MSc
• Location: Iwere ile (Iwajowa Local Gov’t | Nigeria.

Responsibilities:
• Lead the design and implementation of all Marketing strategies to achieve the goals for all the microfinance banking products.
• The Head of Credit & Marketing is expected to provide leadership within the Micro-Finance bank to ensure timely and successful development and implementation of the banking product and service ideas.
• Head of Credit and Marketing is responsible for Supervision of all Business Development initiatives, Personnel and Resources.
• Provide effective leadership guidance in business development strategy.
• Achieve overall profitability target of the microfinance bank.
• Implement and execute regular sales activities to generate business.
• Direct and organize sales presentations to prospects.
• Organize and direct staff to ensure successful execution of design strategies.
• Interview prospective clients.
• Inspect prospective client's business to ascertain its viability and assessment of collateral
• Write reports for granting of loan facility
• Monitor approved loans and advise clients on good management practices
• Consistently adhere to regulatory standards.
• Banking experiences an advantage.
Qualifications and Requirements:
• BA/BSc/HND , MBA/MSc/Experience3
• Minimum of 3-5 years of work experience, preferably in brand management.
• Direct experience in Brand development and marketing of products.
• Experience in communications, advertising and if possible PR.


BENEFIT/ PACKAGES
We offer attractive remuneration package and opportunity for career and personal development.
Method of Application
All interested candidate(s) should please send an email containing your CV with the position being applied for as the subject of the email to: avemariamfb@ammilmfi.com
SELECTION/INTERVIEW:
Please note that shortlisted candidate(s) will be invited for interview via SMS and Telephone Call(s).
Deadline: June 20, 2021.


HEAD, INTERNAL CONTROL and COMPLIANCE
Job Specifications:
• Job Type: Full Time
• Required Qualifications: BA/BSc/HND, MBA/MSc
• Location: Iwere ile (Iwajowa Local Gov’t | Nigeria.
• Requirements & Qualifications:
• Candidate must have at least 3-5years Microfinance Bank experience in internal control.
• Minimum of Bsc or HND .MCIBN certification will be an added advantage.
Job Description
• Ensure compliance on report rendition to regulatory bodies Monthly.
• Ensure compliance to the bank rules, policies, and regulations daily.
• Reconciliation of correspondent bank accounts to ensure transactions are not outstanding beyond 2 weeks and bringing the exercise up to date monthly .
• Review of the statutory returns to regulatory authorities and government agencies to ensure accuracy and timely rendition monthly.
• Customers’ visitation for random deposit verification weekly.
• Review the accuracy and reliability of financial transaction records – cash deposits, cash withdrawals, treasury bills investments, fixed deposits, and funds transfer daily.
• Engage in loan recovery and reconcile customers’ loan accounts for closure when need arises .
• Involve in the thorough review of the bank’s accounting software for efficiency daily.
• Review credit or loan files for compliance daily.
• Review accounting records to ensure proper and compliance with company’s extant policies daily.
• Review and recommend changes to some of the company’s policies to ensure adequate control daily.
• Conduct cash-counts of vaults daily.
• Reviewed customers’ account opening documents for compliance with Know Your Customer (“KYC”) policy and anti-money laundering requirements daily.
• Ensure compliance with the bank’s policies and conduct daily, weekly and monthly General Ledger (GL) review for reconciliation.
• Handle customer complaints (Fraud, disservice, etc). When need arises.
• Review expenses & payments. Daily
• Conduct sweep exercise and spot check on tellers and account officers.
BENEFIT/ PACKAGES
We offer attractive remuneration package and opportunity for career and personal development.
Method of Application
All interested candidate(s) should please send an email containing your CV with the position being applied for as the subject of the email to: avemariamfb@ammilmfi.com
SELECTION/INTERVIEW:
Please note that shortlisted candidate(s) will be invited for interview via SMS and Telephone Call(s).
Deadline: June 20, 2021.


HEAD Of OPERATION
Job Specifications:
• Job Type: Full Time
• Required Qualifications: BSc/HND
• Location: Iwere ile (Iwajowa Local Gov’t | Nigeria.
• Requirements & Qualifications:
• Applicant must possess the following qualifications:
• Minimum of BSc / HND from a recognized institution in any discipline.
• Minimum of 3-5 years experience in Banking/Microfinance institution will be an added advantage.
• MCP Certification in microfinance banking will be an added advantage.

Responsibilities:
• Supervise and coordinate branch operations activities on a daily basis.
• Maintain a highly motivated, skilled and trained workforce with operations.
• Ensure that all activities and process undertaken by operations unit conform to set standards pertaining to banking policies.
• Ensure technical, banking and operation policies are efficiently and appropriately achieved.
• Manage centralized loan processing and account opening functions to ensure efficiency, quality and control over loan creation and completeness of Know Your Customer (KYC) / Anti-Money Laundering (AML) activities.
• Vault balancing.
• Central Operations – Account Services, Clearings, Payments, Cash Management and Reconciliation.
• Card Operations – Account Services, Reconciliation of the Bank’s debit card activities
• Safeguard customer data and protect against fraud through management of authorization levels and access rights.
• Treasury Operations – FI Transaction activity and 3rd Party Funds / Investment.
BENEFIT/ PACKAGES
We offer attractive remuneration package and opportunity for career and personal development.
Method of Application
All interested candidate(s) should please send an email containing your CV with the position being applied for as the subject of the email to: avemariamfb@ammilmfi.com
SELECTION/INTERVIEW:
Please note that shortlisted candidate(s) will be invited for interview via SMS and Telephone Call(s).
Deadline: June 20, 2021.

Joromi1:
I've been wondering.....most women have this NO SEX ON FIRST DATE motto like it's the only criterion to ascertaining feminine decency. They say it gives the guy the impression that you're too cheap and he would definitely dump you easy.

But to me, it's not true. You can play the hard-to-get for a year and still get jilted. So, ladies, allow your mood determine for you. If you have to bang that guy, bang him! And who knows, it might result to true love and marriage.

Or what do you think, guys?

Shut up Devil!

Women should rather learn some confidence, rather than taking the seemingly easy way out. Everyone has got excuses for their actions

Nice to see our countrymen making us proud

Happy International Chess Day

.

quaintbloke:
As expected, we are having hard right comments here, but why are we soo resistant to differing opinion?
If people consider trousers as improper dressing, why should they be shouted down and heckled?
NYSC should be a scheme of national pride and people shouldn't be forced into accepting what they aren't comfy with. Even proper military women wear skirts, so what's the fuss with hard rightists?

Later we would expect not to be looked down on as Musulmi ladies for dressing like masquerades in the name of religious adherence or we will turn around to scream islamisation when policies aren't made to favour us, yet we dont want to listen to the voice of the minority. Nigerians are rooted in so much hypocrisy.

We really need to be tolerant of each other's inclination.

Skirts wouldn't be appropriate for the drills they would go through in camp, their sexuality is even more protected with trousers. Skirts for maybe post camp though.

Your urge to practicalize what you've watched is perfectly normal, most pple would have the same response to the event, However what you feel is terribly disordered, and you must leverage on psychological and religious tools to treat yourself. Try understanding why such urges are disordered both from a psychological and moral perspective.

oz4real83:
Good one but this is exactly the reason some people are advancing againt banning guns in America. They will say that if this family for instance, had no gun at home, the robbers would have succeeded. They forgot that if the thieves had to guns, they may not have ventured into such act knowing fully well the risks involved when using other weapons not as effective, efficient and fast like guns for robbery. There are still too many guns in America.

Robbers will still get guns whether or not it is banned, the question is would you like to face them unharmed, knives are just are deadly as guns, and have been used to kill just as many pple as guns, are they banned? If a human wants to kill you, he probably will, and most certainly will if you are less armed.

I was at the market recently, and it occurred to me that getting spaghetti might be a better deal to getting rice, still don't have the right numbers though, would like to get some solid opinions.

donsmall94:
Please what's the title of the track where he sang the "aguntan wa o je labe gesi"

Ma Wo Mi Roro

Add me too
0806 497 3666
Thanks

LuciferAkbar:


Electric cars would reduce demand for fossil fuels like petrol and diesel thereby driving the price down. If the dependency on fossil fuels drop, the price will drop too.

Good point, but you still need cheap energy to run Electricity Generating Plants

EmmaFantastic:

It is a state in Nigeria that is occupied by numerous tribes including Benin, Esan, Afemai (etsako), uneme, igala, etc, ok?
Learn to read and acquire knowledge.
Good evening

Zhegx:
Thanks for the assist. In addition, we have the igbankes who speak IBO, the ijaws around ologbo, the owan people etc. Dunno why people speak ignorantly.

Would have been much better if you provided citations to your argument.
http://www.edoworld.net/origin_of_the_Edo_people.html
http://www.dawodu.com/aluko89.htm
https://en.wikipedia.org/wiki/Edo_people
https://www.britannica.com/topic/Edo-people
https://www.legit.ng/1180576-edo-culture-traditions.html
http://www.edofolks.com/html/pub89.htm
http://www.africanholocaust.net/news_ah/edo_religion.html
This is purely academic, if you have contradictions, kindly cite them.
Zhegx feel free to contribute.