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Ibrahim Maigaris Business clinic 101

Business Clinic 101
Part 1
We are starting a series on the above topic as our contribution to the promotion of small businesses, self-reliance, youth and women empowerment and the overall socioeconomic development of our country, Nigeria. I advise that we not only read but most importantly put all that we learn into practice.
Have a nice read!

Planning to start your business
Starting your own business is very exciting but can be rather daunting. It can also be a risky thing to do, so you need to make sure you understand the risks before taking the plunge and going into self-employment. You may want to start by asking yourself a few searching questions:
• Do you have the financial resources to start your business, and to pay your general living expenses while you go through the start-up phase? Can you afford to, and do you really want to risk these resources? For example, you might have to take a secured loan based on the value of your home – what would you do if your business failed and you were forced to sell your house?
• Do you have the commitment and self-discipline to see through potential hard times? There may be times when customer demands are particularly heavy, and it will be up to you to make sure these demands are met. How will you cope with this, and are you prepared to put in the necessary hours to fulfil your customers’ demands?
• Do you have the confidence that you will be able to negotiate with suppliers to get the best deal, be sociable with customers (at all times!), think clearly under pressure, and take criticism without getting upset?
• Are you familiar enough with the market for your product or service, and will you be able to assess how this changes over time so that you can adapt your business strategy to deal with fluctuating demand?
There are no specific answers to these questions, but it is very important for you to consider if you will be able to cope with the pressure of running your own business.

To get your new venture off the ground, there is a mountain of tasks to complete, research to carry out, things to do and people to contact. You need a thorough understanding of the information you need to find and the contacts you need to make in order to pull your start-up plan together. You may already have done a lot of the groundwork, or you may be right at the beginning of your quest to get your new venture started.

Whatever your personal starting point, there are some fundamental questions you need to ask yourself about your business idea, your personal aims, and your own ability.

Why are you going into business?
Why do you want to run your own business and what do you want out of it?
Are you going in to business to
• Supplement your main income?
• Replace your main income?
• Provide employment for your family?
• Start a business as an investment opportunity, with the intention of selling it on at a later date?
• Provide employment for the local community?
Your personal objectives for starting in business will directly influence some of your business aims and targets. For example:
• If you are starting a business as an investment opportunity, the focus of your planning will be leading up to your exit, that is the sale of your business. Your plan will involve building a business and maximizing its value in order to achieve the best selling price possible.
• If you are building up a family business, your plan will include your succession strategy. How will your family take over when you retire? By planning ahead you will be able to ensure that your business does not rely on you too heavily and that your family are fully prepared for what they will need to do to run the business.
As you ponder on all above, stay tuned until next monday God willing, for a continuation of this very important part of business start up.

Wishing you success in all the legitimate things you do.

facebook/Ibrahim Maigari Ahmadu

follow me on twitter @ibrahimmaigari1

Bunkasa harkokin yan kasuwa

A ranar 12 ga watan Janairu na shekara 2013 ne mata suka yi wani dan karamin gangami a cikin garin Kaduna. Taron gashi ba na karatu,siyasa,biki,mutuwa ko suna ba. Ama ya sa wayanda suka halarta kwadayin samun daman zuwa wani.
Kamfanonin Aim Multimedia Concepts da Greenberry tare da hadin gwiwar wasu mata da suke muamala da su ne suka hada hannu.
Gangamin dai anyi shi ne a wani cibiya da a ka kafa domin zuwa motsa jiki.Akwai wuraren motsa jiki da dama a garin Kaduna.Ama kwadayin wannan hadin gwiwar kungiyoyin mata shi ne su samu su motsa jiki a wurin da babu  maza ko da masu koyar da motsa jikin ne.
Lafiya dai uwar jiki ce,ama matan mu na arewacin Najeriya suna sakaci da kula da jikin su ta fannin motsa shi.Daga bude  wannan cibiya mata su ka yi cincirindo   dan su koyi rawan zumba wanda yake sa mutum ya rame a cikin gajeren lokaci.
Kudi yana da nasaba da lafiya a zamanin nan.A bisa wannan dalilin ne a ka gayaci mata su zo su ga yanda ake rawan Zumba dinnan.Sannan a ka bama mata masu saye da sayarwa a gida ,shago ko kasuwa da kuma wayanda kasuwar ranar kadai za su ci daman su zo su baje kolinsu na yini guda.
Mata da dama suna sanaa ko saye da sayarwa ama rashin kasuwa ko kuma bashi na karya jarinsu.Wannan dama da aka samu tamkar kasuwa ce aka bude na yini guda,gashi ba maza,ga wadatacen fili ga haja .Masu sayar da abinci ma an same su kala daban daban.
A fanin gyaran jiki da bunkasa kasuwancin ana samu karfin gwiwa daga FashionHouse Kaduna,wanda yake a Wurno road kusa da ofishin NEMA. Katafaren gida ne da ake yi wa mata gyaran gashi,jiki da kuma dinki.A shekaran daya wuce sun koya wa mata hanyoyin motsa jiki dan samun lafiya inda suka kawo Fatima Adamu daga Philadelphia na kasar Amurka dan koyar da kwas na sati uku a cibiyar ta su.Ban da haka sun gudanar da baje koli har biyu dan masu kamfanoni da sana’a su talata kayan su.
Ga wayanda basu samu halartar wayannnan taron na baya ba;ranar 16 ga watan maris 2013 za a samu dama dan masu kasuwanci a gida ko a waje su talata kayan su.Ga mazauna Kaduna da kewaye  sunan Wusasa Business school da UWIDI ba bakin sunaye bane wurin koyar da harkar kasuwanci,tallafi da kuma kare mutuncin mata da kimarsu ta fanin dogaro da kai.
A kan wannan manufa ne suke shirin yin Taro da suka   sa ma suna;’ Baje kolin kanannan yan kasuwa’.A bayanin kakakin hadin  gwiwar AIM,WBS da UWIDI Kabiru Abdulkadir yin wannan taron ya zama dole ne domin magance wasu matsaloli da ke fuskantar kananan yan` Q kasuwa da kuma masu sanaar hannu.
A bayaninsa ya ce;”Mutane dayawa suna kasuwanci ama sai ka ga basu san hanyoyin zamani da za su yi amfani da  ba domin bunkasa neman kudinsu. Wannan karamin baje koli ba irin wanda a ke yi na gwamnati bane;baje kolinmu na da riba 5. Na daya ba bashi kowa da kudinsa zai koma gida .Na biyu kasuwa cikin bainar jamaa ba zancen ba a san kana sai da kaya  ko sana’aba.Na uku halartar bita kyauta a kan bunkasa kasuwanci da zaban sana’a.Na hudu talla a cikin mujalar kasuwanci na AIM da za a kaddamar a ranar wanda ko bayan ranar mutane sun san inda za su neme ku  da kayan ka.Na biyar kudin baje koli mai rahusa wanda ko dan makaranta zai iya kama shago na yini guda.
Baje kolin za ayi shi a ranar asabar 16-3-13 a Womens multipurpose center,Bank road Kaduna.Daga karfe sha biyun rana zuwa karfe shida na yamma.Ma su neman Karin bayani za su iya samun Mal Kabiru a kan lamba 07038000480.Ma su karatun shafin nan da ke da tambayoyi akan harkokin mata su nemi ma’aikatan UWIDI a wajen dan samun shawara kyauta.

Beyond Facebook

BEYOND FACEBOOK
It looks like every phone and tablet manufactured lately has a Facebook application on it. That’s good, Facebook is very interesting, and it’s informative, enlightening and educational. It also keeps you connected with friends, family and boosts your causes and businesses. It’s basically a one stop shop for people.
 Facebook allows its users make friends or catch up with old ones and keep a friends list. One can make posts; upload pictures and videos for their friend’s consumption and comment on friends’ status or activity.
There is an online chat feature built in that allows multiple chat similar to sending sms short message service but on d Facebook  platform.
Every user has a wall where their posts and some of their activities on Facebook can be seen.
Bored online? One can play games on Facebook , join various groups or create your own family, friends, religious, ethnic, social group or visit pages for celebrities, businesses or interesting people.
 Facebook has a general marketplace where anything and basically everything can be sold within legal limits. The market is global and or localized to ones location.
Facebook is currently the hook up capital of the world as it gives opportunity for romance and relationships to develop.
Facebook currently has about 900 million users spread all over the world. I get all my news on Fb, attend classes, found old friends from as far back as nursery school, buy and sell stuff, do advocacy keep in touch with my relatives and so many other things but lately I’ve felt the need to stay off Facebook a bit its getting too addictive. I also noticed that too many people rely only on Facebook as internet access. I ran a poll and found that for many people social networking on Facebook, twitter and 2go is the limit of their internet use

One of the negative features of Facebook is that It’s quite addictive. It is also not suitable for children as they can be easily influenced and can make all kinds of undesirable connections.
Many people claim it leads to infidelity and has destroyed many relationships, that may be true .I have seen and heard of people getting so engrossed in their cyber friends and relationships to the detriment of their real lives especially their marriages.
Security on Facebook is also a problem as everything one does is recorded somewhere. Personal details could land in the wrong hands if the site ever gets hacked.
I choose to look at the positive features of Facebook. Despite all its positive aspects its good for Facebook users to go check visit other sites and widen their web experience. Their are other social networking sites like Myspace,Hi5, Orkut, Xing, Google+, linkedin, Friendster, Twitter, Tagged etc.
According to Alexa a rating service for websites the top 5 sites on the internet are
1-Google
 2-Facebook
3-Youtube
 4-Yahoo
5- Baidu.

SHAYE SHAYEN MAGUNGUNA MASU FITAR DA MUTANE DA GA HAYACINSU

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A cikin shekarar da ya wuce ne yan uwa da abokan arziki suka yi dafifi zuwa garin Katsina auren Ali da Mabruka.Biki son kowa kin wanda ya rasa. Amarya da ango sun dace suna ta soyyayarsu irin ta kuruciya.Ba a shekara ba sai ga Mabruka ta dawo gida da kayanta karkaf da jiki duk raunuka.Binciken iyaye ya nuna cewa ango da amarya suna son junansu ama da yake suna zaune a gidan gado ne wasu kanen Ali su ka adabi gidan da sace sace da kuma shaye shaye.Ko takalmi Mabruka ta bari a waje ya tafi kenan gashi idan suka yi shaye shayen idanuwan su ba sa kallon kowa da gashi a ka har ya kai suka dake ta.Wannan labari  ya daga wa jamaa hankali ba dan komai ba sai dan kanen Ali’n nan duk mata ne kuma ba wace shekarunta ya wuce 24.Guda biyu yan makaranta ne daya kuma bazzawara.A kamaninsu da kyar a gane.Mahaifiyarsu ta yi iyaka kokarinta ta gane me ke sa su hauka wani lokaci wani lokaci kuma dacin rai ta kasa ganewa,bata ganin su da giya, kwayoyi ko taba.Anyi musu ruqiya dan Kore jinnu shiru.

Wannan matsala ya zama ruwan dare yanzu a al ummar mu.Bahaushe na cewa rashin sani shi ne cuta,abun da ba a gane shi ba ai ba ranar maganin shi.Ama a yanzu yawan aukuwar birkicewan jamaa ya sa an fara gane matsalolin.A da idan aka ga mutum na wasu halaye marasa kan gado sai a ce yana shan giya, wiwi ko hodar iblis;gaba gaba kwayoyi suka zo suka yi karfi irin su LSD,ecstasy,meth,mai reverse,duniya komai level da dai sauransu.

Yanzu babu alamari mai daga hankali Kaman cewa maganin da aka fi amfani da shi wurin fita daga hayaci da maye magani ne da ake samu a kusan kowane gida.magani ne da ko dan shekara goma ya shiga chemist za a bashi tunda magani ne da a da baya bukatar takardan likita.Nigeria kuma kasa ce da babu doka saboda haka mutum zai iya samun ko guda nawa ya ke so a kusan kowane lokaci. Masu shan wayannan magani ana kiransu yan parkalin,yan tutolin,yan benylin ,yan codeine ko kuma slow.

Mura dai ciwo ne da kusan kowa na yi a kalla sau hudu a shekara,saboda haka sayar da maganin mura dinnan ya zama dole .Matsalar shi ne yanda wasu suke bata shi mayar da shi abun sa maye. Yawancin maganin mura idan kuka duba za ku ga cewa suna maganin murar,tari,zazzabin murar ta hanyar sa mutum barci ko kuma ya rage wa mutum zafin nama. Jikin mutum sai ya dan yi sanyi wasu kuma su yi ta barci idan sun sha.

A cikin hirar da na yi da Mal Idris a Unguwar rimin Kaduna ya bayyana mana cewa yawancin masu shan maganin nan dan suyi barci ne ko su manta matsalolin rayuwa.wasu kuma ji suke idan sun sha tamkar basu da wata matsala.Wasu kuma idan suka sha maganin murar ya kashe musu jiki sai su hada da wasu kwayoyi kuma daban da ke sa su jin waras irin su a rungumi zaki.Refnol,exol,roche,bashi,tramol wayanda duk kayan sa maye ne yawancinsu magungunan asibiti ne ama idan aka sha su ba a dai dai ba akwai matsala.Mal Idris ya dade yana wa matasa fada akan illolin shan kwayoyi kuma ya kan binciki sababbin salo da suke fitowa da su kullum.

Ba matasa kade ke shan wayannan magungunan ba  dan su samu su yi slow dinnan a yanda suke fada.Masifa ce da ba babba ba yaro, ma mace ba namiji ba mai kudi ba talaka.

A cikin hirar da muka yi da wasu yan sanda WCPL Evelyn da abokin aikinta sun bayyana mana cewa a chemist ba a sayar da magungunan nan haka sidan ama ana sayar da su ta bayan fage.Na tambayesu irin magungunan da ake yayin sha a gari yanzu sun yi mana bayanin cewa akwai mogadon ,refnol,exol,kofsil.Na kara tambayar su yanda suke gane masu shaye shayen nan? Sun yi min bayani da cewa ya danganta,wasu idan sun har hada magungunan sai barci,wasu kuma su yi slow din, wasu kuma su kara karfi da kuzari wasu kuma idan hadin ya kwacibe har yi suke Kaman masu farfadiya.Idan su ka samu irin yan shaye shayen nan wasu ana kaisu police station idan kuma sun rika ana kai su har kotu.Idan kotu ta yanke hukunci kuma takan daure mutum tun balanta idan shaye shayen ya hadu da wani babban cin mutunci Kaman cin zarafin wani,sata,hatsari, ji ma wani rauni,zagi,fada,ko ta da husuma.

Matsalar nan ta shaye shayen maganin da ke iya sa maye ba a kasar hausa ta fara ba;masifa ce da akwai ta a kowace kasar duniya,tun balanta a inda ake da akida ta mutunci sai a fake da shan wayannan magunguna a maimakon giya da su cocaine da wiwi.Wayannan magunguna basu da wani wari ko alaman an sha su sai dai dabiar wanda ya sha idan ya chanza an ga ba yanda yake kullum ba ko kuma idan bai sha ba yayi ta kunci ko fada da mutane.

Menene sakamakon shaye shayen maganin asibiti ba da dalili ba ko kuma a kan wata manufa daban da samun warkewar ciwo?In ji Dr Ahmad Inuwa na Garko clinic Danladi Nasidi housing estate Kano ya ce, ‘’Hankali shi ne mutum .Idan mutum ba ya cikin hayacinsa ba abun da ba zai iya yi ba.A kiwon lafiya magungunan nan da aka mayar na maye ko zuga mutane suna da amfani sosai idan aka bi kaidar su; wasu na ciwon jiki ne wasu kuma maganin mura wasu na sa barci wasu kuma na hauka ne ma. Idan mutum yana amfani da su ba a bisa kaida ba sai ya zamanto jikin sa ya saba har ya zamanto kullum kwakwalwar sa na bukatar sai ya sha.Magungunan sun kasu kashi daban daban da akwai wayanda ake kira opiods irin su methadone ana amfani da su ne dan maganin zafin ciwo Kaman mumunar rauni ko bayan an yi wa mutum theatre.Idan aka zarce da sha ya wuce kaida sai ya zamanto wa mutum farilla ya sha kuma zai yi koma menene dan ya samu.Shan su dayawa kuma yana iya kawo yankewar num fashi ko kuma mutuwa farad daya.”Likita ya yi mana bayani.

“Depressants kuma irin su diazepam,lorazepam da dai sauransu ana bada su a asibiti ne domin kwantar wa mutum da hankali da samo mishi sauki idan yana fama da fargaba ko kasa barci.Idan ya zama jiki kuma sai mutum ya sha kullum ya na sa yawan barci,rashin kuzari rudewa ,tabin hankali .Hadarin neman a daina sha ba da zuwa asibiti ba idan ya zama jiki kuma shi ne zai iya kawo lahani saboda haka idan an ga ne dan kwaya irin wannan magungunar ya ke sha a kai shi asibiti dan likita ya kulla da yanda za a raba mai sha da wannan halin.”

Abu Sufyan tsohon dan kwaya ne mai kokarin ya daina saboda haka sai naga ya kamata muji daga bakin sa me ke sa su shan maganin asibiti ba da dalili ko izinin likita ba me suke ji idan su kayi shaye shayen? ya wahalar daina sha  da kuma farashin magungunan.

Ya bayyana mana cewa,“Yawancin mutane wani damuwa ko baccin rai ke sa su su fara shaye shaye ko son samun wani Karin karfin jiki ko karfin guiwa idan za su je wani wuri ko za su yi wani muhimmin abu ama daga baya sai ya zamanto wa mutum jiki kuma ko nawa ne zai sa kudi ya saya.Magungunan basu da tsada irin su lara,d5,diyaga,assage,fashion duk daga naira 10 ne zuwa naira 30.Masu tsada irin su babban tramol ne wanda ake sayar wa N200.magungunan mura kuma daga N150 ne ama original daga N500 su ke.Gaskiya daina sha na da wuya domin matsalolin rayuwa dayawa.kwayan diyaga guda daya da ake sayarwa N20 sai ya warware maka duk wani damuwa da kake ciki.”Abu Sufyan.

Samari,yan mata da matan aure sun fi zake wa a wurin shan maganin mura dan maye ,idan aka je wasu wuraren shakatawa wayanda yan mata da samari ke zagayawa a dare guda sai a samu kwalban magani 100 a lokaci guda.Budurwa daya ana iya samun kwalba 5 a jakanta.Wasu matan auren kuma haka su ma suke tara kwalaben magungunan nan su yi ta sha sun mayar da shi Kaman sobo.

Ina iyayen da ke ba yaransu kudi su je su sha shisha?to su ma su kula domin shisha grade B magunguna ake sawa aciki kar yaran ku su tashi daga grade A wanda kanshi suke zuka ko kuma su koma grade C wanda wiwi ake sawa a ciki.

Wasu na fakewa da cewa shan magani ba haramun bane tunda ba giya bane.wannan babban kuskure ne domin babbu addinin da zai yarda da mutum ya sa kansa a hali na maye ko bata rayuwarsa.Magani kyan sa mutum ya sha iyyaka kai’dan da masana su ka bada ba wai ka ji labarin wani kwaya na sa barci ka kama sha ba kulla ba.

Maganin wannan illa kuma na farko shi ne fadakarwa,idan jamaa duk aka farga za a iya sa ido domin samun maganin wanan musiba da buwayi al-umma.a rika kulawa da yara da irin mutanen da suke muammala da.Idan an ga chanjin yanayi ko da mutum ya karyata shan kwaya haka siddan a je asibiti a bincika.

Sanjay da bishiyar Goba

SANJAY DA BISHIYAN GOBA

Ma su kallon fim din india dai sun san mutan India da nuna soyayya,bajinta da kuma rashin yafiya idan aka yi musu laifi tun balanta idan laifin ya taba mutuncinsu.

A  shekarar da ta gabata ne kafofin yada labarai na India suka kawo labarin wani dan tahaliki mai suna Sanjay.

Sanjay dai   an bada labarin cewa shekarunsa 25 ne kuma dan kauyen Ramgaon,Vinasi ne ama yana aiki a babban birnin Mumbai.Ya yi aure da wata mai suna Tara kimanin shekara daya.A  ranar 9 ga watan Maris Sanjay ya dawo gida daga aiki kafin lokacin tashin sa yayi,sai ya tarar da matarsa a cikin halin da bai kamata ba da wani makwabcinsu anan cikin gidan Sanjay din.Rigima ya kaure har sai da aka koma kauye yin sharia.

Zuwa kauye sai ya zamanto bai kawo karshen rigimar ba domin ita Tara bata ba wa mijinta hakurin cin amanarsa da ta yi ba.Malam Sanjay da ya ga ta ki ba shi hakuri bayan yan uwansu sun shiga maganar domin warwareta ya sa Sanjay ya zuciya ya hau kan wata bishiyar goba da ke nan kusa da gidan iyayen sa.  

A cikin watan disamba na shekarar 2012 dai Sanjay watan sa tara  a kan wannan bishiyar domin Tara dai bata ba shi hakuri ba kuma ta hada kayanta ta koma birni wato Mumbai bata daka ta tashi ba.

Kanwar Sanjay mai suna Nisha ta tabbatar wa jaridar Asian Age na India da aukuwar wannan abu;ta kuma kara bayani cewa yayan nata a kan bishiyar yake yin komai, anan yake cin abinci, anan yake barci ,anan kuma yake yin bawali da bahaya.Da farkon zaman sa kan bishiyar ya’yan itacen kawai yake ci ama daga baya mahaifiyarsu na kai mishi abinci.

A nan abun tambaya shi ne;zuciyar me ya sa shi zaman kan bishiyar?Idan ta ba shi hakuri me zai kara mishi?

Tambaya na biyu kuma shi ne; yana yaji ne akan yana son matar tasa ta ba shi hakuri su koma zaman auren su haka?

KISHI KUMALON MATA

                                          

Masu iya Magana suna fadin cewa duk macen da ba ta da kishi to bata cika mace ba ta rako mata duniya ne.Wai mata kadai ke da kishi?.Mene ne kishi kuma me nene mahimmancin sa a rayuwar dan adam.Kishi dai shi ne mutum ya ji rashin dadi da zaman wani ko samun sa ko zamantakewar sa ko ta hanyar soyaya,ko abun duniya ko ilimi ,ko kasuwa ko girma a wuri.Kishi kuma zai iya zama cewa mutum ya razana da shigar wani rayuwarsa ko rayuwar  wani ko wata da suke da kusanci ko kuma hanyar samu. Wata ya’ya ta tana cewa ko almajiran da suke layi karban sadaqa a kan titi ana samun kishi da hassada a tsakaninsu.Kishi ya dauko asali tun halartar dan adam, ba sabon abu bane ba kuma abu bane da za a ce yana da karshe ba sai dai a samu saukinsa da kuma halaya da ke zama daban  daban.

A kan kishi mutane dayawa sun halaka a duniya kuma dayawa za su halaka a lahira.Me nene halarcin kishi a addini?Halal ne ko haram,malamai sun yi bayani akan kishin da ya halarta shi ne kishi a wajen yawan ibada da kusanci da ubangiji.

A duk sanda mutum ya fita daga gida ya zaga unguwa,ko kuma ya saurari kafofin sadarwa idan yau ba ka ji ba, gobe ka ji wani mumunan aikin da kishi ya kawo.A ranar 6-9-12 labarun yahoo na yanar gizo ya kawo labarin wani dan wasan kwalon kafa a kasar ingila da ya kashe budurwarsa yar shekara goma sha biyar  domin kishi.A cikin watan da ya wuce ne na ga wata mata da budurwar mijinta ta bi ta har gida ta kama ta da kokawa, ta kwasa da gudu  budurwar ta hangi ruwan zafi ana dafawa a gefe ta dauka ta watsa a bayan matar nan,wa yanda suka san labarin sun tabbatar da cewa budurwar har a yau basu rabu da mutumin ba, mata ita ko jinya bai kare ba.

Maza na lahanta ko kashe abokan gaban su a wurin neman dukiya;a kasuwanci ,sarauta ,siyasa,aikin office ,soyayya da sauransu. Mata ma  na nasu kokarin a wurin kishi tun balanta a wurin soyyaya ko aure .Wata babbar mace da muka yi hira da ita a Abuja tayi mana tadin wata mata da budurwar mijinta ta biya yan fashi dasu tare matar a hanya su kashe ta domin mijin ya ki aurenta kuma a tunanin budurwar lefin matar ta gida ne.Maman Hauwa ta yi mana bayani cewa,”wata mata ce a nan garin Abuja mijin ta na da kudi da mulki sai ya zamanto cewa akwai budurwar da suka dade tare ama bai aure ta ba,da matan da budurwar duk sun yi iyaka kokarinsu a wajen malamai,bokaye,pastoci da dai sauran masu ba da taimako.Idan ita budurwar ta nemi samun kan mutumin sai matar ita ma ta zaga ta rusa.To a haka ne budurwar abun ya ishe ta ta ga gara ta aika ta lahira ta huta gabadaya.

A zahiri babu wanda zai so a ce wani ya fi shi a wani abu,ko kuma an fi son wani a kan sa,ko abun da mallakar ka kai kadai ne yau an wayi gari sai dai ku yi taraya da wani a kai.

Asalin wannan rubutu ya taso ne da na samu labarin kishiyar kanwata Allah ya yi mata rasuwa. Ita kanta kanwar nan tawa Binta na yi shekaru ban gan ta ba dan nisan garin da ta ke aure ama tare muka taso a ka yi mana aure.  San da ta aure  Isa  bai dade da fara aiki ba kuma ba shi da komai da sunan abun duniya,ba ta kaunarsa ko kadan ama ta bi umarnin iyaye ta aure shi kuma ta zauna.Isa ya taba aure har da da daya sai suka rabu da matarsa ,ganin ba zai zauna haka ba ya sa a nemo mishi wata ya aura.Aka hada shi da Binta suka yi aure.Abun da ya daure wa mutane kai shi ne,ita Binta tana da zafin kishi da gasa,ba ta son kowa ya fi ta da komai. Abun mamaki sai ya zamanto ita da kanta ta nemi matar mijin ta na da suke zumunci.Isa  ya nuna ba ya so ama bata daina ba har wata rana matar mijin ma ta zo gidanta suna hira Isa ya dawo gida kwatsam. Ita Binta ce ta boye matar nan ta shi a dakin ta a cikin wardrobe. Shekara da shekaru suka wuce Allah ya albarkaci zamansu da yaya  da rufin asiri.A wannan lokacin ne Isa ya kawo maganar yin aure.Abu na dangi ni da nake gefe labari na ji ama sai da na taya ta kishi tun balanta na ji an ce amarya ita                                                                                          za a kai abuja Binta ko an ajiye ta a gefe wai yaya sun yi mata yawa.yau sai aka wayi gari wai amaryar nan Allah ya dau kayan sa,Sai na ji kunya.Daukan dimin na mene ne,yau da Binta ce ta rasu ai  wannan baiwar Allah ita za ta rike mana yaya.Allah dai ya shirye mu ya ganar da mu.

Kowa ya san kishi ya san abun da yake iya jawo wa,abun da mutane dayawa ke   tambaya shi ne ta yaya za a rage kishi ko kuma a ci moriyar kishin nan? Ga mabiya addinin Islama da akwai adduoi da ake iya karantawa domin rage zafin kishi. Da akwai wasu hanyoyi da zamu iya amfani da su domin gane idan muna da kishi da ya wuce hankali da kuma yanda za mu rage zafin kishin. Ku biyo mu kashi na biyu na wannan rahoton wata mai zuwa domin karanta wayan nan hanyoyin.

Saadatu Hamma

 Kaduna

9-9-12

YOUWIN AND THE NIGERIAN WOMAN

We have been so excited inviting women to apply for Youwin.Yes 1-10 million can really change the lives of the lucky winners and create jobs.The problem with youwin is that it is not for the ordinary woman on the street who has no idea what a business plan is,cannot access the internet and cannot write a concept note.This woman is marginalised by poor quality education and access to the 50bn the FGN set aside for youwin.Govt cant be everywhere and do everything.That woman on the street im talking about needs just 5000, 10,000 , 20,000 ,50,000 or a 100,000 Naira to improve her life and that of her family.If we are talking about training it will take very little to train these women,we dont have to gather them in one venue we can do the training by radio.Th...

e most important thing we need are the funds. If communities can send children to school by contributing money we can do the same for women to set up businesses.I emphasize on women because it is a notorious fact that the womens business better sustains the primary and necessary needs of the family.The sucesses recorded by Muhammad Yunus of the Grameen bank in Asia is an example. If Nigerians can become one of the highest customers of the private jet industry buying over 130 new private jets between 2007 and 2012 on an average of $50million per jet we have no business being poor as a nation.Nigeria as a nation is rich but the normal citizens are poor.Nigerias wealth lies in the hands of Government officials ,politicians and their cronies.Whatever they do God doesnt sleep and He is all seeing.My grouse is what you and i are doing to build others.Seven years ago a woman asked me for 500 Naira as an investment to start selling firewood i gave her a thousand and she returned two years after to say thank you and tell me she has built on that.Most people trade blindly or set up businesses dumbly.Lets give them basic training the way SMEDAN is doing as we give them the loans,lets borrow a leaf from youwin minus the complex "turanci";Set up small business idea competitions pick out the feasible ones,mentor others to make the ideas suceed let the community or different tribal associations,neighbourhood associations,religious groups fund these initiatives.Pressure the rich men in your locality to subscribe and fund the programs.Identify people with promise;is it the kosai seller on your road ?What would she need to graduate to providing kosai,kunu,waina,moin-moin,chips and plantain for breakfast .Her small kosai corner can turn into your neighbourhoods breakfast corner with just a 2 hour lecture and less than 20,000 Naira.The possibilities are endless.Monitoring and training,will provide the necessary security to avoid diversion of funds."

YOUWIN;DOING OLD THINGS IN A NEW WAY

 

For the last two months or so I have pumped the issue of Youwin the FGNs business grant program down the throats of my friends, family and strangers especially my social media contacts. I tend to be skeptical about FG policies and programs but embraced this one seeing that it’s a win-win situation. I still believe that it’s a program for the elite and will do very little for Nigerian women, but if we can get more than the 1200 winners of the premier Youwin competition this time and they can employ at least 5 people each men and women that will be at least 6000 people employed. The remaining 140million Nigerians that are unemployed will get their chance when the competition is re launched soon.

I insist that it’s a win-win situation even if you don’t win this edition because:

1. You can apply next time; The FGN earmarked 50billion Naira for the program last year, they only got 1200 winners and I’m sure very few got the full grant sum of 10million.

2. If indeed you did good research, have a decent feasibility study and a feasible business plan your ideas or business plan cannot go to waste, for you to become an entrepreneur you need to dust your proposal and show it to investors, one may get several rejections but somewhere out there your yes awaits you.

3. There are other funds available from the FGN and other sources  do a little digging and you may find a program that’s right for you. For women we await the new CBN business program for women coming up. If you didn’t apply for Youwin you might get a chance with CBNs program.

4. If you have gone as far as submitting your concept note, that means you have a fair idea of what you’re doing. In some cases by scaling down the size of your project you may find that you don’t need outside funding after all and you can start on your own or with others. In fact by the time you start something tangible you have a shot at applying for a grant from Youwin and other sources, with higher chances of getting the grant.

5. All over the world you hear about venture capitalists and angel investors but they seem not to exist or are virtually impossible to locate in Nigeria. Instead of dumping money in the bank wealthy Nigerians can put their money to work for them by investing in some of the business plans being submitted for youwin.

Doing old things in a new way; of the three tenets of youwin the one that seems to frustrate people the most is innovation. Women have been running helter-skelter nationwide trying to find or create brand new businesses. This is due to lack of business education, even those that attended schools of higher learning seem to be handicapped in that respect. I presented Youwin to an audience of 48 women to aid them in applying for the grant unfortunately none could give me an innovative business idea.

Yes new things are created everyday but you don’t have to be the one to create it, you can pick something old add value to it by making some changes or improvements. In answer to the many phone calls, text messages and visits from women who want to apply for Youwin; I say look around you, within our immediate environments alone we can find several things that can be improved upon. Don’t wait for the solution to come from Asia, America or Europe we know our challenges better and if there’s the possibility that other people have the same problem and will pay to use or own your solution then Youwin awaits you.

Do some modern marketing etc and you are good to go. It’s not a person’s level of education or social prowess that will determine their ability to succeed rather it’s the beauty of the idea by virtue of its being innovative. It’s ability to create and sustain jobs and; for it to be economically viable.

Women tend to be highly creative and innovative, entering the kitchen and creating gourmet meals out of remnants is a typical example, juggling family schedules is another. People generally need to set aside or find a way to throw out their business inhibitions after all nothing ventured nothing gained. To be an entrepreneur is a big challenge and I’m glad Nigerian women are ready.

 

Ebele Ejikeme

Ebele Ejikeme is the epitome of self employment.She is a wife,mother,teacher,lawyer and entrepreneur.

NAME:     Hon. Barr. Mrs. Ebele Ejikeme JP

STATE OF ORIGIN:     Anambra State

FAMILY SUPPORT AND CHALLENGES:    My husband and Childen

EDUCATIONAL BACKGROUND:    Grade II, NCE (Mathematics), Bed Maths, LLB (Hons), BL.

BUSINESS : Founder / Proprietress Bright  Int.'l  Group of schools, Campuses (Abuja, Kaduna and Onitsha)., Legal practitioner and Property managers.

START UP:  I started by giving lessons to students after school when i was young.

STAFF /HELP:     About 350 Teachers  and  other staff.

LOCATION:    Abuja, Kaduna and Anambra state

MAJOR CHALLENGES:    Boko Haram crises in Kaduna State is effecting my Kaduna four campuses   

WHAT IS YOUR BUSINESS NAME: Bright Int'l. group of schools and Ebele Ejikeme & Co Legal Practitioners and Property Managers.

APPRENTICES AND STUDENTS:    Over 2000 Students / Pupils

LENGTH OF TRAINING:    Nursery (3yrs), Primary (6yrs),and Secondary (6yrs)

COST:    Depends on the class of the child.

ABILITY:    Professional teaching

GROWTH RATE:    Wonderful

EXPECTATIONS:    To train our students/ pupils to be good and God fearing leaders of tomorrow

WHAT ARE YOUR ASPIRATIONS:    To give my school children quality affordable education.

AGE OF BUSINESS: 22 years

No.OF JOBS HANDLED: As a legal practitioner and Property Managers I have handle so many cases

START UP CAPITAL:     I started in a very little way

REGRETS:  None except with the Boko Haram and Religious crises in Kaduna State.

NOTABLE JOBS:    A lot of them.