How are you ending the year as regards your mentorship, growth and business goals?

I know quite a number of people have smashed their goal list for the year and are looking forward to doing same 2022. Congratulations if you did. I'm happy for you� because 2021 has been filled with alot of uncertainties.

And for many that had it hard 2021, I can confidently tell you that 2022 is another historical date to make things happen if prepared to.

Discovering Agile Community (DAC) is a forum that exists to promote the principles and practices of agile across the world. We focus on spreading the word of #agility to places and people who will necessarily not hear about agile.

Finish reading here:
https://www.linkedin.com/posts/discovering-agile-community_discovering-agile-community-mentorship-activity-6882231486657908736-ptTR

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Sadist mind your business if you have nothing positive to contribute.

Sadist mind your business if you've got nothing positive to say.

Every business needs finance to start up, manage and expand, no matter how big or small. However, large businesses are usually more advantaged when it comes to getting bank loans due to a long-standing credibility.

Getting a loan for small businesses is not an easy task to accomplish, nonetheless, there is hope. As long as you run a credit worthy, high-scoring small business and meet the requirements, you can achieve any amount applied for.

Where do I get a loan?

Seeking loans from banks, partners, family and friends have always been the usual ways of getting loans. But in all, banks offer the lowest interest rates and are trustworthy lenders. Although in Africa, more than 70% of bank loan applications from small businesses are not approved, and many small business owners give up after two or three unsuccessful applications, you can learn from every turned down application, re-strategize and reapply.

These tips will help you get the next loan you apply for

1. Do you really need a Bank Loan?

Most small business owners make the mistake of asking Banks for money at the earliest stage of their business. A reputable financial institution is less likely to invest in a business that has not tested the waters. For startups, do not you really need a loan? Building your business to a particular stage gives you a better idea of how much more you need to put in, not forgetting that with bank interest rates, your business can go bankrupt if it does not make a profit and in time.

2. Know the type of loan you can easily access

Basically, there are two main types of small business loans: overdrafts and term loans. An overdraft allows you to withdraw money from your bank account than you currently have. A perfect example is the GTSalary Advance platform. This scheme dispenses loans [of not more than 50% of their monthly salary] to working class individuals with short term capital needs. An overdraft is usually flexibility with a pay-as-you-go interest rate. On the other hand, a term loan starts to accrue interest from the moment you receive it; whether you use it or not. It is a high risk loan and is best for long-term projects.

3. Study your Prospective Investor

Your business needs to be in line with the interests and goals of the financial investor you plan to approach. Some banks invest only in large scale businesses, therefore might see your business as too small a fish to fry. Also, your business might meet all the requirements needed by the bank except one, which you probably missed out during your background study of the bank. Know your investor thoroughly before you present your business to them.

4. Write a detailed Business plan

Your business idea is as good as it looks on paper, every detail counts. Your business plan is required to be well-informing and convincing, with facts and figures to back up your projections. Make it simple, understandable, realistic and let your plan answer questions like;

What is your business about?
Is there a market for it?
What is your unique selling points and marketing plans?
What background and experience do you have to make the business work?
What will the loan be used for?
5. Include Financial Records

Banks are interested in investing in businesses with good credit history; they want to see your money management skills. If you don’t have any in your records or a shabbily done account records, you might just have another NO staring back at you. Present clear and genuine financial records to stand a better chance. You can also add a purchase order [if you have any] as proof that people are interested in patronizing your business.

6. Offer a collateral

Financial institutions often insist that the value of the collateral you pledge is the same value (or more) of the amount you are applying for. This is usually a challenge for most small business owners but can be handled if you are a credible individual/company. Note that using your property as collateral for a loan should be a carefully thought-out decision.

7. Back your application up with a Guarantor

Your application will require a guarantor, who would be held responsible by the bank, in a case where you do not meet up with the payment plans. Having a guarantor assures the bank that the risk is worth a try and increases your chances of getting a loan.

You can get fast loans on Branch Mobile App with repayments installment ally. https://branch.co/download/9fcshn

Government’s attempt towards eradication of slums.
https://www./attempts-nigerian-government-eradicate-slums-efforts-onarinde/

Though it can be said that the major factor that leads to the development of slums in Nigeria is basically urbanization. The effort of the government even if microscopic cannot be overlooked as they have contributed towards the eradication of slums. They include:

1. The ignoring of slum conditions to develop on a larger scale: The appropriate approach to the prevention of slums is the use of proactive measures. To be proactive is to "manage the process of urban expansion so that cities can organize, orient, and initiate their response to the Multitude of challenges and opportunities posed by their urban future (World Bank, 2008 pp. 29-30). The Documentary evidence examined suggests that Nigerian authorities are reluctant to adopt this approach and the Consequence is the growth of shanties and shacks. In Abuja for instance, the residents of slums are usually allowed to acquire land from the native people who are waiting for resettlement by the government, and this allows them to illegally squat on land that belongs to the federal government. As of 2004, there were 27 squatter settlements in different parts of the Federal Capital Territory (FCT) and their combined development covered a land area of 2412 hectares.

2. Eviction of slum residents: In 2006, Nigeria was ranked third among the worse violators of housing rights by the Geneva-based CORHE (CORHE, 2009). From 2000 to 2011, more than two million people have been forcibly evicted from their homes in different parts of Nigeria. And most of those affected were already marginalized in slums and many had lived their lives without access to clean water, sanitation, adequate health care or education (Amnesty International,2011). There are two key issues of concern about forced eviction in Nigeria: firstly, the residents are often not given adequate notice of eviction or even evicted without prior notice. For example, about 19,000 people were forcibly evicted from their homes in August 2009 at the Njemanze waterfront in Port Harcourt. These evictions were carried out without adequate notice (Amnesty International, 2011). Further, the Amnesty International (2011) announced via a press release published in its website that:

Read more: https://www./attempts-nigerian-government-eradicate-slums-efforts-onarinde/

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