@MrOlibaba FMCG is the easiest one the list. Majority of the top brands do have distribution channels already, just build on it. Real Estate is most difficult. RR is high.
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Nepo Daddy
7.7K posts
Nepo Daddy
@C0nquer0r_
Fighting for my life on the street of Lagos.
I shuffle btw here and there เข้าร่วม Temmuz 2017
606 กำลังติดตาม615 ผู้ติดตาม
Nepo Daddy รีทวีตแล้ว
I’m a Subject Matter Expert and can lead discussions (Facilitate Trainings) at your firms on the following core areas;
1. Organizational Development
2. Human Resources Management
3. Basic and Advanced Financial Statement Analysis
4. Finance for Non-Finance Professionals
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Nepo Daddy รีทวีตแล้ว
When it comes to personal finance, no two persons are the same.
Yes, two persons could earn same figure and their entire financial situation will be different.
Earnings is only one part of that equation.
For example, one could have no black tax while the other has.
One may be investing heavily in himself, writing professional exams. The other may not need same investment at that time.
It is never a direct comparison with anyone until you understand their peculiar situations.
But one thing is constant. You’re the sum total of the choices you make.
Tuchel@Officially_Kriz
When I see people say they can't save a kobo from 500k monthly salary, I just smile. Because I know a few people who earn lower than that but have N1m+ invested in the 🇳🇬 stock market. Truth is, if you really have the WILL to do it, you will do it.
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Nepo Daddy รีทวีตแล้ว
This is misleading 👇
1. The Valuation Is Still Speculative
The $40–50 billion valuation is still a projection, not a confirmed market capitalisation. Until the SEC-approved prospectus and final IPO pricing are released, using that figure for definitive Shariah conclusions is premature.
2. One Loan Does Not Represent Total Debt Exposure
Focusing only on the newly consolidated $4 billion syndicated loan oversimplifies the refinery’s capital structure. Proper Shariah screening must assess total conventional debt, refinancing exposure, and other important financing liabilities. Projects of this magnitude are rarely financially simple.
3. Passing One Ratio Does Not Make a Stock "100% Halal"
Debt screening is only one part of Islamic equity screening. Other criteria include: impure income, receivables ratio, cash composition, interest-bearing securities and full business activities.
Assessing a company for shariah compliance based on debt ratio alone is a far cry from the standard procedure shariah advisors use.
4. Market Cap-Based Screening Can Be Distorted by Sentiment
Using market value as denominator means investor optimism can temporarily make leverage ratios appear safer. Also, market cap is not the only factor used in this case.
5. “100% Halal” Is Too Optimistic and Hasty
Saying the refinery "will be 100% halal" before the final prospectus, audited disclosures, comprehensive shariah analysis and complete capital structure are available is hasty and risky.
In Islamic finance, responsible analysis requires caution, qualification and realistic expectations. Let's be careful of what we throw around especially when it involves business/investment because people will be asked about how they make their money.
A.Y.O@YusufAsunmogejo
According to recent corporate filings, Dangote Refinery just consolidated its legacy construction debts into a fresh $4 billion senior syndicated term loan underwritten by a syndicate of 31 lenders (led by Afreximbank and Access Bank). On the flip side, financial advisers are targeting an initial market valuation of $40 billion to $50 billion for the public listing. If we take the conservative lower end of that valuation ($40 billion) and run the standard Islamic equity screen: 4 Billion Consolidated Debt/40 Billion Target Valuation = 10% For a stock to be halal, its interest-bearing debt must not exceed 33% of its market value. At a provisional 10%, the refinery is well positioned within the safe zone. The absolute final confirmation will drop the moment the SEC-approved prospectus locks in the exact initial share price. However, structurally, it is on track to comfortably pass the halal screen. It’s will be a 100% halal investment. (My Sources: Institutional investor briefs, Bloomberg valuation reports, and the Afreximbank syndicated loan disclosures).
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Dear HRs, if we’re offered meal or snacks while waiting for our interview, can we eat it ?
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Nepo Daddy รีทวีตแล้ว
The Muslim world’s financial “backwardness” is actually proof that classical Islamic scholars were the most sophisticated macroeconomic thinkers of the pre-modern era and the West accidentally proved it in 2008.
The prohibition of riba was never primarily a moral injunction against greed alone rather It was a systemic design principle to prevent the decoupling of money from productive economic activity. When you ban interest-bearing debt as the engine of capital accumulation, you force wealth to remain tethered to real assets, real partnerships, real risk-sharing.
The entire 2008 financial crisis was a textbook demonstration of what happens when you build an economy on the exact mechanism Islamic jurisprudence spent centuries arguing against: the multiplication of money through money, completely detached from underlying value. CDOs, mortgage-backed securities, credit default swaps: pure riba architecture collapsing under its own abstraction.
Islamic banks largely weathered 2008 better than conventional ones because the structural rules prohibited the specific instruments that caused the collapse.
The insane part: Western economists spent the 20th century mocking Islamic finance as a medieval relic. Then they spent the 21st century slowly reinventing through “stakeholder capitalism,” ESG investing, and calls to link executive pay to long-term performance, the core intuition that capital must carry risk to be legitimate.
Fuqaha in the 9th century called it. No gain without exposure to loss.
They just didn’t have the PowerPoint.
وَمَن احسن من الله حكما لقوم يوقنون؟
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@CutestPristine Lol.
Ads back then were great (Creativity/effectiveness) compared to what we have now.
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@CutestPristine You are right. Eroxxil 5000 is Oga Muftau tau tau
youtu.be/htPCzc1H3cs?si…
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Indonesia
Ododo oro ni madam yi so
Ms. Mowumi✨💕@Mo_brightt
Gbogbo yin wa ra blue tick, e wa n tweet bi omo alaini 😔💔
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Nepo Daddy รีทวีตแล้ว
@Harmony_Vets I can testify. Good old days 🥺
Inflation over the past few years has eroded our purchasing power.
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Walahi 2018/2019 I sold rams for 22k, 25k, and some lower
Rams i got from the north for 12k, 13k, transport from kebbi back then cost #500 per ram
Tao Of Iperu💡🦅🖤🇳🇬@TaoFeek182
There was never a time Ileya ram was sold for 45k, not even 70k. Unless na baby ram 😭😂😂
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Nepo Daddy รีทวีตแล้ว
We are making progress
Please I beg you in the name of Allah to repost or contribute to this cause of saving a friend of mine whose wife is in critical condition.
Amount needed-₦1.4m
Amount realized-₦590,900
Shortfall-₦809,100
Jazakumllahu Khairan as you do.
IDRIS (Wenger)@Official_Idreez
Still on this contribution. Please I beg you in the name of Allah to repost or contribute to this cause of saving a friend of mine whose wife is in critical condition. Amount needed-₦1.4m Amount realized-₦532,700 Shortfall-₦867,300 Jazakumllahu Khairan as you do.
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Nepo Daddy รีทวีตแล้ว
I received a LinkedIn connection request from Prof. Folasade Ogunsola @UnilagVC in March. I accepted and we connected. She then sent me her WhatsApp number for ease of communication and we have been chatting and exchanging pleasantries since then.
Two days ago, the number started to send me what were clearly 419 fraud messages. I have reached out to her on LinkedIn and by text message to ask if her WhatsApp has been hacked but there has been no response. It just struck me that the person with the WhatsApp number may have created the LinkedIn profile for fraud purposes.
Anyone who knows Prof Ogunsola should please alert her to this. I am reluctant to share the WhatsApp number here in case it is her real number and it’s just her WhatsApp that has been hacked. Thank you.
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Nepo Daddy รีทวีตแล้ว
YOU MUST LEARN TO ENJOY LIFE WITHOUT NEEDING AN AUDIENCE TO SEE THAT YOU ARE ENJOYING LIFE
Dr. Shak🩺@realbig_shak
Tell us a simple life hack.
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Nepo Daddy รีทวีตแล้ว
Muslim countries around the world have standardised their education system and their kids now learn in proper school and classrooms, with modern curriculum and pedagogy. The system Dr. Hadisa is describing needs to be phased out. There's no future for it.
Trust TV News@trusttv_news
"Not all beggars are Almajiris", says Dr. Hadiza as she sheds light on the Almajiri system, exploring the fine line between education, poverty, neglect, and exploitation. Watch full interview: youtu.be/w32fxRcQudM #trusttvnews
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Nepo Daddy รีทวีตแล้ว
Nepo Daddy รีทวีตแล้ว
X% of Y is also Y% of X.
So if you want to find out what 7% of 50 is, you could instead find out what 50% of 7 is, which is 3.5.
This means that 7% of 50 is also equal to 3.5.
Happy Sunday.
Dr. Shak🩺@realbig_shak
Tell us a simple life hack.
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Nepo Daddy รีทวีตแล้ว
IF YOU COME ACROSS THIS POST, PLEASE DON’T SCROLL AWAY, YOU MAY BE OF HELP.
Assalāmu ʿAlaykum wa Raḥmatullāh.
One of our sisters is currently in the hospital with her child due to their inability to clear a hospital bill of ₦172,000. Unfortunately, the longer they remain there, the more the bill continues to increase.
By the will of Allah, we are hoping to get her discharged today, Monday 11th May 2026.
As at the time of making this post, we currently have ₦40,000, leaving a balance of ₦122,000 to complete the payment.
Please, if Allah has blessed you and you are willing to help this sister, kindly donate using the account details below.
Account Number: 0491241121
Bank: GTBank
Account Name: Abdullah Abdulsalam
No amount is too small, and even if you cannot donate, kindly help us repost.
Jazākumullāhu Khayran. Āmīn.
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