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nigeria financial companies

Financial Companies in Nigeria

Financial Companies in Nigeria

 

Chams Switch
8, Louis Solomon Close, Victoria Island, Lagos State, Nigeria+234-1-2700070-5, +234-1-7389314+234-1-2700079http://www.chamsswitch.com/
An electronic payment switch service center for payment transaction services.
Berkely Cupola
P.O. Box 74121, Victoria Island, Lagos State, Nigeria+234 805 692 1362, +234 1 271 9489, +234 1 271 9488http://www.berkeley.com.ng/
This financial card manufacturing company offers financial card personalization services such as chip initialization, data processing, data input and PIN application.
Abax-oosa
18, Akanbi Danmole Street, South West, Ikoyi, Lagos+234 1 463 0842, +234 01 463 084301-463 0848http://www.abax-oosa.com/ 2 stars
Abax-oosa is a firm of accountants providing audit, assurance, accountacy, taxation and financial advisory services.

Voguepay
VoguePay is a user-friendly online payment platform in Nigeria that allows you set up an account for free and receive, transfer funds with or without a website.
https://voguepay.com/
Address: 70 Allen Ave, 100271, Ikeja, Nigeria
Phone: +234 817 000 8003
Cash Envoy
13 Thorburn Avenue, Yaba, Lagos State, Nigeria+234-1-2914359https://www.cashenvoy.com/
CashEnvoy is owned by Electronic Settlement Limited, a limited liability company located in Lagos, Nigeria.
Humber International
24, Ekoolu Street, Surulere, Lagos State, Nigeria+234-1-764-3949+234-702-770-0411http://www.thehumbergroup.com
A financial service company in Lagos for project funding, bill of exchange, financial consulting and advisory services.

Ibile Holdings
2nd floor 62 / 64 Campbell Street, Lagos Island, Lagos State, Nigeria01-2716237, 01-295042901-263-7211http://www.ibileholdings.com/
Ibile Holdings Limited renders financial advisory, property, investment and business promotion services.
Kemeboff
62 Calcutta Crescent, Apapa, Lagos State, Nigeria07038501655, 0814 443 3333, 0802 384 4444http://www.kemeboffresources.com/
This business company provides state of the art document protection technology to financial institutions.

Superflux International
3, Vori Close, Ikeja, Lagos State, Nigeria+234 0709 850 4249http://superfluxnigeria.com/
Superflux International Limited is the leading cheque provider in Nigeria.

1Adims Credit and Investment Limited
Suite 9, Okaka Plaza, Opposite E Close, Besides Domino Pizza, 1st Avenue, Festac Town, Lagos Nigeria0803 389 6114, 0812 316 3866http://www.adimscredit.com/ 5 stars
We are in business to provide business support services, loans, asset management, financial advisory services and investment opportunities.

ASO Savings & Loans Plc
Plot 266, FMBN Building, Cadastral Zone A0, Central Business District, Abuja0700 330 0000, 0704 163 1121http://asoplc.com/ 1 stars
The Lagos based financial service center for home finance services in Nigeria.

COOP Savings & Loans Limited
11, University Crescent, Beside Access Bank, Secretariat – U.I. Road, Ibadan, Oyo0815 839 3942http://coopmortgageng.com/
COOP Savings & Loans Limited is a Nigerian financial service outlet for home finance services in Ibadan.
Resort Savings And Loans Plc
5th Floor St. Nicholas House 6, Catholic Mission Street, Marina, Lagos, Nigeria01 462 2081-2http://resortng.com/ 3 stars
Resort Savings And Loans Plc is a Nigerian loan service companies for house finance services in Lagos.
One Credit
56 Opebi Road, Suite 304, 3rd floor Dream House, Salvation Bus Stop, Ikeja, Lagos Nigeria01 460 9945, 01 460 994501 631 1215http://www.one-cred.com/
One Credit is a financial firm located in Lagos Nigeria providing short-term and affordable consumer credit and loans to individuals who have limited access to finance.

Union Homes Savings and Loans Plc
Royal House, 153, Ikorodu Road, Onipanu, Lagos, Nigeria01-7400840http://www.unionhomes.com.ng/ 4 stars
A Nigerian financial service center for loan scheme services in Lagos.
Agusto & Co
57 Marina, UBA House, 5th Floor, Lagos Island, Lagos Nigeria01 270 7222, 01 270 722301 271 3808http://www.agusto.com/
Agusto & Co is located in Lagos, Nigeria and render services in financial research, credit rating, credit risk management and other tailored ser
Dignity Finance And Investment Limited
5 O.P Fingesi Street, Utako, Abuja FCT Nigeria0803 700 3939, 09 870 3350https://www.dignityfinanceltd.com
Dignity Finance And Investment Limited (DFIL) offer services in equipment financing & leasing, hire purchase, LPO financing, export financing, loans and advances, agricultural financing, corporate finance and project financing.

Libra Reliance Finance
73, Allen Avenue, Ikeja, Lagos Nigeria0701 188 1000http://finance.librareliance.com/
Libra Reliance Finance is a financial services company based in Lagos with services in personal loan, business loan, corporate loan, and asset management financial advisory.
TopCheck
Plot 45 Oyibo Adjarho Street, Lekki Phase 1, Lagos Nigeria0809 101 1222, 0818 451 9607https://topcheck.com.ng/
TopCheck provides services and products in car insurance travel insurance, life insurance, health insurance, personal loans, credit cards and broadband internet.
6UBS Nigeria
1, Muhammed Murtala Drive, Ikoyi, Lagos Nigeria01 466 3100https://www.ubs.com/ng/en.html#global-ourfirm
UBS Nigeria is a financial services providers of investment banking and asset management, and more.

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Posted by: | April 1, 2017

Posted on: 2017 April 1
nigeria adsense money

Make More Money from Adsense

How to improve your earning potential with Adsense. 

 

We have compose a very easy to read and understand guide. With little or no ambiguous words that  usually confuse readers. Experts in this  field, believe  average amount of time anyone spends on a page is 10 seconds. This average is termed as the  “bounce rate”. This means that if your site is difficult to understand,  navigate, or is badly designed, then your bounce rate will be very high.

Below are some  points to follow to increase your Adsense earning

Compelling  Content – In order to generate clicks on Adsense, you need to have a rich content. This means that your write-up must be substantial enough, and it has to be matched with the right images. Most of the time, people just post an ad without care for the over-all design. Adsense does not run on pure luck. Remember to put an effort into it.

People simply stay on pages that provide some kind of value. If you  don’t have the content that the visitor is after, then they will simply leave your site and never come back. Having good content is extremely important, because it ties into the most important principal, that a well-designed website will have a good CTR.

The contents of your site should provide value to the users. Once the content of your page meets the approval of the people, they will keep coming back to look for the information that they need. The longer they stay on your page, the greater are the chances for them clicking on an ad.

 

Over Kill –  Avoid  one of the  major pitfall, over using AdSense. The common misconception about ads online is that the more  Ads you add on a page, the more clicks you will receive. This is not true, rather the more Ads the more messy your site will look and  users will be turn off.

One of the best ways to increase your AdSense ‘click-through-rate’, or CTR, is to decrease the number of your ads on a page.  To one or maximum two.

 

Ads Placement Location –  Page Layout is very important, this also influences how usable is your site for your users. You should place your Ads on a Location where it is easy for users to click it. There are some tools available.

As a rule of thumb, place it on your most busiest page and nicely at the top or RHS.  It all depends on your page Layout. Placing it on the footer on a long page, might not be visible to many users. Not all users have the patience to scroll down on a long page.

 

Write Content That Links between pages  Within Your Site –  This means users will navigate from  one page  to another within your site. This increase their pages per visit, which produces more ad impressions.  But ensure it is not random links but relevant linking.

 

Shorten  readable Page URL – Pages with short url and relevant  page title brings in traffic, this increase page impression and means high CTR

Traffic – As the number of people clicking on  your  site increases, the more money you make. If no one visits your site, you make no money.

Niche – Target those niches where advertisers in large numbers are actively trying to seek more and more customers. E.g cheap phone cards, best data plan

Colour Blending – Web page optimization is one important consideration in AdSense but this should not be overdone. You need to lay out your web pages so the ads blend in with your site. Studies have revealed that people who visit sites that contain ads  with  colors not in harmony with the actual Web site tend to develop “ad blindness”. This means they tend to ignore the links, so no matter how much traffic comes into your site, chances are no one will click the ads. If no one clicks, you make nothing.

Remember to blend your  site background or color to match with your Ads.

 

This is by no means an exhaustive list. Will be continuously edited.

 

 

 

 

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Posted by: | January 20, 2017

Posted on: 2017 January 20
nigeria-make-extra-cash

How to make extra cash

How to make extra cash 

 

Become a Youtuber,  for 1000 views you can earn between £1 and £5

Adsense – If you put in the work, you can make a couple of hundred dollar per month

Run errands for cash

Collect/Trade on empty bottles and containers

Paid  Blogging

Become a  tour guide

Market  your skill or talent

Proofread Articles for cash

Do odd jobs

Start Youtube Channel

Get involve in Afilliate marketing

Start a farm in your back garden, soon will be harvest

Temporary Event Steward

Temporary Nanny

Car BOOT Sale

Babysitting

Tutor

Delivery driver

Organise a  paid  show/event

Flyer/Leaflet distributor

Freelance.

Coaching

Tutor

Teach an online course.

Sell on Ebay, Etsy

Get paid to run errands.

Become a driver.

Wash cars.

Walk dogs.

Wait tables or bartend on temp basis

Cater waiter

Clean homes.

Mow lawns, rake leaves or shovel snow.

Ask friends, family and neighbors if they’d like to hire you for  odd jobs

Paying musical instrument for pay

Become a delivery person.

Promote products and events on the street.

Host guests or rent out your place.

Participate in focus groups.
Participate in an online jury.

Get Paid to Write software reviews.

Sell your old stuff on ebay

Sell old and unused items

Sell old electronics.

Sell bottled water at events.

Collect bottles and cans  for sale

Get paid for online searches.

Trade in empty ink cartridges for cash on empty re-usable containers

Become a Photographer or play music at weddings.

Sale Out Unwanted items

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Posted by: | January 6, 2017

Posted on: 2017 January 6
nigeria-stock-market

How to make Money on Stock

How to make Money on Stock

 

We are delving straight right in to it, we will show you what stock to buy to make real money.

1.You can make money by investing in  growth stock

The basic idea behind a growth stock is that you want to buy it when it’s not worth much and then sell it when it’s worth a lot (“buy low, sell high”)

A growth stock investment strategy attempts to find companies that are already experiencing high growth and are expected to continue to do so into the foreseeable future.

To investors eager to capitalize on this momentum, rapid growth means a fast and sustained increase in the stock price, which leads to a faster accumulation of wealth.

2.A safer way to make money on stocks is to invest in a company that pays dividendsbut the real advantages of these stocks are their stability and dividends. You can probably trust that McDonald’s, Dangote, Microsoft, MTN,   isn’t going to go out of business any time soon. Since the company makes enough money to reinvest and still have some leftover, it pays dividends.

In other words, the company pays you money for being an investor. Long-term investors have seen a good return, but if your goal was to make a quick buck—or if you couldn’t stomach that big dip—If you can’t handle the thought of a volatile stock price, don’t invest in growth companies.

3.Cheap isn’t always good, and expensive isn’t always bad. Sometimes a stock is cheap because its business is growing less or actually slowing down. And sometimes a stock is expensive because it’s widely expected to grow its earnings rapidly in the next few years. You want to buy stocks that you can reasonably expect will be worth more later, so look at value combined with expectations for future earnings.

4.Evaluate financial health by digging into the company’s financial reports. All public companies have to release quarterly and annual reports. Check the Investor Relations section of their web site, or find official reports filed with the SEC online here. Don’t just focus on the most recent report: What you’re really looking for is a consistent history of profitability and financial health, not just one good quarter.

5.Know how much debt the company has by check the company’s balance sheet. Generally speaking, the share price of a company with more debt is likely to be more volatile because more of the company’s income has to go to interest and debt payments. Compare a company to its peers to see if it’s borrowing an unusual amount of money for its industry and size.

6.Find the ETFs which track the performance of the industry you interested in and check out their holdings. This can be as easy as just searching for “Industry X ETF”; the official ETF page will disclose either all or only the top holdings of the fund.

7.Use a screener to filter stocks based on specific criteria such as sector and industry. Screeners offer users additional features such as sorting companies based on market cap, dividend yield and other useful investment metrics.

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Posted by: | November 23, 2016

Posted on: 2016 November 23
nigeria-exchange-rate

Nigeria naira versus dollar history

 

Nigeria naira versus dollar history

 

In the 60’s and 70’s, the naira was more valued than the dollar. As at 1985, the dollar and the naira were just about even with the naira slighty higher. The decline of the naira have been staggering, today the official rate  is about $1/305 and black market rate is $1/475.

 

WHAT HAPPENED TO THE NAIRA

-Almighty Corruption

-Too much reliance on Oil

– Weak export/Manufacturing sector

-Tough economies measures impose by IMF/World bank

Almighty Corruption

From Obasanjo regime till present, the leader and govt officials have been looting the country  massively with no accountability. Imagine how much foreign reserve have been looted, billions in dollars

 

Too much reliance on Oil

Successive govt have ignores Nigeria  Textile mills, Rubber, Cotton, Coal, Steel plant, opening of other sea ports in addition to Agriculture and many other domestic sources. Instead they have been relying heavily on the money from Oil boom. Now oil prices have crashed spectacularly, the govt is running out of funds.

The mentality of the govt and the people need to change. Govt need to invest heavily in other sectors and encourage small and medium enterprises. Provide tax relief to made in Nigeria goods.

 

Weak export/Manufacturing sector

This sector is dying fast in Nigeria and the there is no enterprenuer spirit any more in Nigeria. Most youngster always prefer the fast lane. No drive to make or create anything instead we are a heavy consuming nation.  Successive govt have failed so far, neglecting this sector. The revenue from this sector is quite limited for a population of over 160 million.

Tough economies measures impose by IMF/World bank

The policies attach to IMF  and other loans have been detrimental to the economy and the value of the naira. Noting not long ago Osibanjo -vice president of Nigeria hinted nigeria loan stands out $60 billion. Those policies are not disappearing any time soon, one of such is SAP – Structural Adjustment programme.

 

BENEFITS OF A WEEK CURRENCY

-Encourage and boost domestic  manufacturing sector

– Increases export

-Reduce Inflation

 

Encourage and boost domestic  manufacturing sector

A weak currency encourages, industrialization and manufacturing of goods in the home country because imports are more expensive but when  you export you  get more money for your exports.

Usually, when you  devalued  a country’s money against $$, there is  always some upside. The manufacturing sector has to  boom.  This will help raise revenue from other sector apart from the oil.

Increases export

Nigeria or individuals can net huge some of money exporting to countries with strong currency. Nigeria can raise huge forest reserve via export.

Reduce Inflation

Made in Nigeria product will be cheaper compare to imported products

 

 

DOWNSIDE OF HAVING A STRONG CURRENCY

Discourage exporting and encourages importing

One downside of a strong currency is that it  hurt the export businesses, especially when exporting to a country with a weak currency. Exporters can end losing large sum of money depending on the volume of their export.

 

SOLUTION

-Not by  in CBN

Trying to stabilize the currency by using Nigeria forest reserve to artificially fix the rate is a loss cause. Nigeria will end up losing all her foreign reserve.

– Revive  Made in Nigeria 

Revive all Nigeria ailing manufacturing sector, invest in equipment and people. Lets Nigeria start exporting

Although manufacturing is growing today,it still grows at 3% a yr, whearas it should be growing double digits to make a huge difference.

-Address Bad Trade Policy   

The govt should also  stop implementing bad IMF Policy. Allowing the western Govt to easily dump all their manufacturing goods in Africa and Nigeria is bad strategy for currency.

At the same to not allowing Nigeria or Africa access to western market.  The imbalance must be address.

 

 

 

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Posted by: | November 19, 2016

Posted on: 2016 November 19
binary options

Binary Options

The No-nonsense Guide on Trading in Binary Option.

Binary options  allows you to trade on a wide range of financial assets, including currencies, stocks, bitcoin and commodities. To make money trading, you need to have the ability predict if the assets will go up in value or down in the future.

If  you predict prices will drop in the future, you opt for Put and Call for  rise in asset.

If your prediction is accurate  you can make a profit of up to the % of your investment.

We will assume readers know how to  to trade binary options, we will  focus on mistakes to avoid.

 

types of Binary options

 – high low

– one touch

– range

To win with High Low binary requires that the price at maturity is higher than the initial price set when the option is bought. Winning the Put option  requires that the price is lower than the initial price.

To win  One Touch binary option requires the  price has to touch at least once a set price before the maturity.

While the to win  No Touch option.  The set price has to  never reached before the maturity.
To win  Range binary option requires the final price is between an upper bound and a lower bound.

Key Facts..

– Whenever a trader wins a trade, the broker has to pay the profit from its own pocket. This is the truth and do not believe in any other theory that anyone tries to feed you

If you don’t have an honest broker, say goodbye to your wins or profit.

Honest broker is a must.

– In truth, making profits in binary trading isn’t possible unless you use results-oriented strategies

– Binary option by design is a pro-broker and anti-trader instrument.

– Brokers make money whenever a trader lose

– Monitor  rise and low

– Choose the right time to start trading

– Candle light chart is recommend, the candles are shown in colour, with the respective time period which asset  has risen or fallen. It is particularly suited because it displays  interval.

– A strategy is very important. Without one, you will lose your money faster than you know

Failing to factor earnings or dividend payment dates into your options strategy
It pays to keep track of earnings and dividends dates for your underlying stock.  If you have sold calls and there’s a dividend approaching, it increases the probability you may be assigned early. This is especially true if the dividend is expected to be large. That’s because option owners have no rights to a dividend. In order to collect it, the option trader has to exercise the option and buy the underlying stock.

 

 

 

 

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Posted by: | August 30, 2016

Posted on: 2016 August 30
nigeria commodity market

Dont Trade in Commodities Before Reading

Don’t Trade in Commodities Before Reading

Commodities are natural resources that have a global market, most of which fall into four categories of trading commodities which include: Energy (including crude oil, heating oil, natural gas and gasoline) Metals (including gold, silver, platinum and copper) Livestock and Meat (including lean hogs, pork bellies, live cattle and feeder cattle) Agricultural (including corn, soybeans, wheat, rice, cocoa, coffee, cotton and sugar).

Most commodities have a limited geographic distribution. Only certain nations, regions, or companies have economic access to these specific resources, but virtually every region needs the resources. Hence, a large global market has developed to enable the distribution of commodities from their most economical sources to where it is needed.

Commodities are physical assets and include metals such as gold, silver and copper, oil and gas, and so-called ‘soft’ commodities such as wheat, sugar and cocoa bean etc

Investment into  commodity such as precious metals has grown  significantly over the past decade, While gold has acted as a store of value for thousands of years, the recent performance of precious metals, their diversification benefits and inflationary concerns have restarted the discussion of this investment in commodity market.

Commodity prices have almost tripled over the previous decade.

Getting involve  in commodities usually involves buying physical assets, such as gold coins or bars. This can be expensive, including the cost of storage and insurance. It is wise to buy at a low price but this can be difficult to achieve, particularly when buying in small quantities.

Investing in commodity,  such as oil and gas is by  buying  shares in companies such as BP, Royal Dutch Shell or Tullow Oil. The same applies to ‘soft’ commodity companies.

Other ways of accessing the commodity market is via   investment fund. This  is an easy way to access the commodity sector because there provide a degree of diversification.  They will typically invest directly in a variety of commodities as well as in production companies.

Some other ways of  investing in the commodity market is via Passive funds.  This  have also risen in popularity over the past few years, with ETPs (exchange traded products) becoming a viable way to access commodities either indirectly or directly.

Equity-based commodity exchange traded funds invest in shares of commodity companies, whereas exchange traded commodities  are instruments that track the price of the commodity or a basket of commodities.

However, ETFs only track an index such as oil futures, so there is little room for manoeuvre.

 

Commodity prices, like the prices of everything else, depends on supply and demand. Increased demand and lower supply increases prices, and vice versa. And because the supply-demand equilibrium for any commodity continually changes, so does its price.

Need to know before Trading Commodity

1. SEASON – The prices of many commodities are  affected by the season, especially agricultural products. For instance, corn usually peaks in March and April before the growing season, and reaches a low in September and October.

Also crude oil prices tend to rise in the summer because of increased driving for vacations, while natural gas peaks in the winter since its main use is to heat homes.

2. Inflation – Commodities like real estate is a  natural hedge against inflation. In fact, a rise in commodity prices may be the 1st sign of inflation. Indeed, if rapid inflation seems imminent, then commodities may rise even faster, because people will be moving money out of investments that don’t offer a hedge against inflation to the commodity markets to protect their assets.

As people moved much of their money out of stocks, bonds, and real estate, they moved some of it into the commodities market, which pushed up the prices of commodities, and further depressed stock prices because the profits of many companies are diminished when commodity prices are higher. This was the primary reason why oil prices increased 150% during the spring and summer of 2008 and naturally this increases costs for most companies, since virtually every depends on oil to some extent.

3. Weather/Forecasting –  forecast of a colder than normal winter may cause the price of frozen orange juice to shoot up or the threat of another war in Nigeria or the Middle East may cause oil prices to spike or the threat of hurricanes that can limit oil refining can cause the price of gasoline to spike, which happened after Hurricane Katrina damaged oil refineries in the Gulf of Mexico. During the spring and summer of 2008 crude oil went from under $100 per barrel to almost $150 per barrel due mostly to speculation.

4. Political – There are also geopolitical risks with many commodities. Events in countries of major suppliers of commodities can cause the prices of commodities to gyrate wildly from day-to-day, such as happens to oil prices whenever there is civil conflict in Nigeria that may threaten the supply of oil. A major geopolitical risk for companies that extract natural resources is the threat of nationalization or major increases in taxes. For instance, in 2006, Bolivia nationalized the natural gas industry, and expelled the foreigners of companies that were extracting and processing their natural gas.

5. Currency fluctuation – Another major risk is currency risk, where the value of the currency used to buy the commodity can decline with respect to the currencies of the major suppliers of that commodity. For instance, when the value of the United States dollar declines against major currencies, the price of oil increases.

Hence, to be successful  intimate knowledge of both the commodity and its market is necessary. Success also requires constant monitoring of  news that may affect the supply and demand of the commodity, since the price depends on it.

 

 

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Posted by: | August 1, 2016

Posted on: 2016 August 1
Nigerian stock exchange

Dont Buy Stock before Reading

Dont Buy Stock before Reading

Stock simply means the share of ownership in a company’s assets, profits or earnings. Meaning when you buy and own a stock, then you own part of that company whose stock you bought. You now  have a share in her assets and profits relating to the amount of the stocks which you  have bought.

Be warned stock exchange can be risky. There is no guarantee on individual stocks in the stock market, when the stock goes bankrupt then your investment is worth zero.

Before buying Stock

A stock might look tempting at the moment but how will the stock look like in the next one or two years.

Will it keep  appreciating?  Your ability to predict the appreciation in the market performance of a stock is very important here.

Look out  for the stock that is trading heavily at the moment. The quantity traded and value of shares.

Understanding the financial market and  been able to interpret financial figures and tables/graphs.

Research, research and more research the market  Capitalization of a company – It is the current share price multiplied by all outstanding shares. This gives you a general idea of the size of a company. 

Price to Earnings Ratio :   It is the  price to earnings of a  company’s current share price divided by its EPS. This amount will show you about what investors are willing to pay per dollar of earnings. It can also be used as a metric to determine how much a company is over or undervalued.

Growth stock – The basic idea behind a growth stock is that you want to buy it when it’s not worth much and then sell it when it’s worth a lot. A growth stock investment strategy attempts to find companies that are already experiencing high growth and are expected to continue to do so into the foreseeable future. 

Only invest money you willing to lose, don’t invest your life saving.

Analyse  company financial statement. Check to see how well the company was doing in the recent past, this will give you an idea of how the future of a company will likely shape in few months.

 

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Posted by: | July 30, 2016

Posted on: 2016 July 30
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