Global IT Spending to Jump by $228B and hit $3.92T in 2021

Esan Bolaji
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Global IT Spending to Jump by $228B and hit $3.92T in 2021

The COVID-19 crisis forced companies and organizations across the globe to speed up the digitalization of their business, as remote working and distance learning became the new normal amid the ongoing lockdown.

The surge in the use of digital solutions and services abated the pandemic’s negative effect on IT spending, which still dropped to just under $3.7trn in 2020.

Global IT Spending to Jump by $228B and hit $3.92T in 2021 Brandspurng
Photo by Fotis Fotopoulos

According to data presented by Stock Apps, global IT spending is expected to recover in 2021 and hit a $3.92trn value, a $228bn increase in a year.

Recovery to 2019 Spending Rates

The surge in the use of IT services and devices, enterprise software and data centre systems led to the impressive growth of global IT spending over the years. In 2005, consumers, businesses, and organizations worldwide spent $2.6trn on IT devices and solutions, revealed the Gartner survey.

By 2013, this figure jumped by almost 40% to $3.6trn. After a drop to below $3.4trn in 2015 and 2016, global IT spending hit more than $3.8trn in 2019, the highest level in fifteen years.

In just a few months, the COVID-19 crisis has delivered years of change in the way companies across different sectors do business. According to a McKinsey Global Survey of executives, they have speeded up the digitization of their customer and supply-chain interactions by three to four years. The share of digital or digitally enabled products in their portfolios has accelerated by seven years.

Nevertheless, the economic uncertainty caused by the pandemic had a huge impact on global IT spending, which dropped by $121bn in 2020. Statistics show this figure is set to jump by 6.2% and hit $3.92trn in 2021.

However, to survive in a post-COVID-19 world that involves higher adoption of remote work and digital touchpoints, businesses will have to keep speeding up their digital transformation plans. That is why Gartner predicts global IT spending to continue increasing and hit more than $4.1trn in 2022.

Enterprise Software and IT Devices to Witness the Highest Growth in Spending

Statistics show that global spending on communication services, as the largest segment of the market, is set to reach $1.4trn in 2021, up from $1.35trn last year. Businesses and organizations are forecast to spend $1.07trn on IT services this year, or 6% more than in 2020.

However, the Garner survey revealed that spending in the enterprise software segment is expected to have the strongest rebound in 2021 and grow by 8.8% YoY to $506bn.

The increased demand for tablets and laptops due to remote working and distance learning is expected to drive impressive growth in the devices segment. Statistics show that global spending on PCs, tablets, mobile phones and printers is set to jump by 8% to $705.4bn in 2021, the second-highest increase this year. Data centre systems are forecast to witness a 6% growth in 2021 and hit $228bn in global spending.

Philip Morris International Declares Regular Quarterly Dividend of $1.20 Per Share

Esan Bolaji
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Philip Morris International Declares Regular Quarterly Dividend of $1.20 Per Share

The Board of Directors of Philip Morris International Inc. today declared a regular quarterly dividend of $1.20 per common share, payable on April 9, 2021, to shareholders of record as of March 22, 2021. The ex-dividend date is March 19, 2021. 

PMI has increased its annual dividend every year since becoming a public company in 2008, representing a total increase of 160.9%, or a compound annual growth rate of 8.3%.

Philip Morris ends Q3 with over 16M IQOS users
www.wordpress-1516176-5827464.cloudwaysapps.com

Philip Morris International (PMI) is leading a transformation in the tobacco industry to create a smoke-free future and ultimately replace cigarettes with smoke-free products to the benefit of adults who would otherwise continue to smoke, society, the company and its shareholders. PMI is a leading international tobacco company engaged in the manufacture and sale of cigarettes, as well as smoke-free products, associated electronic devices and accessories, and other nicotine-containing products in markets outside the U.S.

Nigeria’s Real Estate Sector: Positive Signs But Not Yet Out

United Capital Research
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Nigeria’s Real Estate Sector: Positive Signs But Not Yet Out

According to the NBS, Nigeria’s real estate sector printed a 2.2%y/y growth in Q4-2020, the first time since Q4-2015. However, the sector tumbled -9.2% in FY-2020, the steepest decline since 2016.

Notably, the sector has been in recession for five straight years. Prior to 2016, the real estate sector was growing at a fast pace, driven by the oil market boom and a +6.0% aggregate income growth in Nigeria.

The Nigerian real estate sector has not quite recovered since the 2016 recession
Real Estate GDP vs Real GDP

Nigeria’s Real Estate Sector Brandspurng Positive Signs But Not Yet Out
Sources: NBS, United Capital Research

However, during the 2016 recession, the sector saw a contraction of -6.9% and has not quite recovered since. The sector suffered the most, economically, during the 2020 lockdown, tumbling -21.9% in Q2-2020, however, the Q4-2020 number showed a surprising rebound in Q4-2020.

The Eko Atlantic City Brandspurng All You Need To Know13

Nigeria’s real estate sector is trapped in a vicious cycle of lower crude oil income, decreasing income-per-head and poor FDI inflows. This is worsened by FX shortages and a poor policy framework.

So, even before Covid-19, Nigeria’s sub-2.0% GDP growth, alongside its one-commodity economy and shrinking middle class, made an investment in the real estate sector unattractive.

In countries where real estate has blossomed in recent times, e.g., Indonesia and Columbia, GDP has grown by c.5%, bolstered by a growing middle class. Also, the government plays a vital role in driving real-estate sector growth, creating mortgage funds through subsidies that encourage homeownership.

Although, the Nigerian government, through the Federal Mortgage Bank (FMB), has initiatives such as the National Housing Fund (NHF) aimed at boosting home ownership in Nigeria, mortgage loans to GDP in Nigeria is a paltry 0.5%, vs. 72.0% and 78.0% in the US and UK.

Notably, the N15.0m funding gap by the FMB seems inadequate in a high-cost market and a reported average loan processing time of 2-3 years, makes the NHF scheme too bureaucratic.

For private investors looking for alternative investments, the low rental income yield, even in highbrow areas such as Victoria Island and Ikoyi, compared with returns on risk-free government notes, makes real estate investing unattractive.

As such, the resurgence in the sector seems unlikely in the interim amid Nigeria’s shrinking middle class, the large population outside the housing market and unaffordable mortgage facilities.

Money out of nowhere!

United Capital Research
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Money out of nowhere!

In Feb-2021, the CBN’s circular instructing banks to close any bank account operating on cryptocurrency exchanges or stop the facilitation of all transaction in relation to cryptos, coupled with the bitcoin (the most popular and widely accepted) rally, pushing the cryptocurrency conversation further into the mainstream.

So, what exactly, is a cryptocurrency (or Crypto)?

A cryptocurrency is a decentralized digital asset (or coin) designed to work as a peer-to-peer transaction version of electronic cash by allowing users to conduct transactions without the need of a third-party financial institution.

Publicly traded companies move more cash reserves into Bitcoin
Publicly traded companies move more cash reserves into Bitcoin

Digital coins are enabled by Blockchain technology, a decentralized public ledger system in which all cryptocurrency transactions are publicly announced, with the help of cryptography, to ensure there is no need for third party financial institutions on the systems.

The pioneer cryptocurrencies(coins) are Bitcoin, Ethereum, Litecoin and OTA.

In today’s high-tech and fast-changing environment, blockchain and cryptocurrencies offer potential advantages that could improve our financial systems, such as lower transaction fees and quicker transaction processing time.

Also, because blockchain is a public ledger system, transactions are based on proof and not
trust. Some start-ups in more developed markets have used Initial coin offerings to raise capital.

Cryptocurrencies have also been adopted as a store of value against extreme inflationary pressures in some countries. However, the regulatory risk remains the biggest concern for cryptocurrencies.

Justifiably, digital coins pose legitimate concerns to regulators because; they could facilitate illicit transactions with ease due to their anonymity feature (names do not show, just wallet IDs are revealed).

Also, monetary policy autonomy of the apex banks is weakened as coins become increasingly accepted/used- a central bank could lose some control of the money supply if citizens use less fiat currency.

Like most innovations, there are upsides and downsides; the optimal destination can only be achieved by constant stakeholder engagement between operators, regulators and customers to build a robust ecosystem.

Buying the Dip or to Stay Out?

United Capital Research
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Buying the Dip or to Stay Out?

The local bourse spent most of 2020 on a bullish run closing the year with a record-breaking 50.0% return.

The bourse kicked off 2021 with a similar sentiment, gaining 5.3% in Jan-2021. However, Nigerian equities have since maintained a southward direction, losing 5.6% in Feb-2021 and has shed 0.7% in March-2021.

Naira Gains against the USD at the Bureau De Change, Parallel (“black”) Markets Brandspurng
Afolabi Sotunde Illustration Naira

The question on many investors’ minds is largely to know if this is a temporary lull, a correction, or a significant crash.

Firstly, we have reiterated in several publications that the sustained reversal in the yield environment has weakened investors’ interest in equities and has led t o the active selloffs observed over the past month.

The reversal in yields appears some way off its peak. Thus, we anticipate yields will continue to reverse higher in the near to mid-term.

Furthermore, the benchmark All Share Index (ASI) has formed a bearish reversal signal a s it has crossed its 5 0-day MA below and closed below it for five trading days. This signal has historically preceded prior major corrections in the market.

More concerning is the slump in activity levels which signals reduced appetite for risk assets.

That said, we view the current bearish performance in the market as a correction that is likely to extend through the period when yields in the Fixed income market stabilizes.

We recognize this as an opportunity for investors to take advantage of lower prices to buy into stocks forecasted to deliver solid earnings in 2021, employing a patient approach in building up positions.

Food Price Index rises for 9th consecutive month in February – FAO

Esan Bolaji
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Food Price Index rises for 9th consecutive month in February – FAO

Early estimate for 2021 wheat output positive but 45 countries in need of external assistance for food

4 March 2021 – Global food commodity prices rose for the ninth consecutive month in February, with quotations for sugar and vegetable oils increasing the most, the Food and Agriculture Organization of the United Nations (FAO) reports today.

The FAO Food Price Index, which tracks monthly changes in the international prices of commonly-traded food commodities, averaged 116.0 points in February, 2.4 percent higher than the previous month and up 26.5 percent from a year ago.

Food Price Index rises for 9th consecutive month in February - FAO Brandspurng
Palm oil for sale in Sierra Leone.

The FAO Sugar Price Index rose by 6.4 percent from January, as production declines in key producing countries together with strong import demand from Asia prompted ongoing concerns over tighter global supplies. Expectations of a production recovery in Thailand and a bumper crop in India dampened the increase.

The FAO Vegetable Oil Price Index gained 6.2 percent, reaching its highest level since April 2012. Prices for palm, soy, rape and sunflower seed oils all rose.

The FAO Dairy Price Index rose by 1.7 percent, led by international export quotations for butter, where firm imports by China met limited supplies from Western Europe. Cheese prices declined, partly due to high inventories in the United States of America.

The FAO Cereal Price Index averaged 1.2 percent higher than in January. Sorghum prices rose 17.4 percent in the month, driven by ongoing strong demand from China. International prices of maize, wheat and rice were either stable or edged up slightly.

The FAO Meat Price Index increased 0.6 percent, pushed higher by tight supplies of bovine and ovine meats in key producing regions. By contrast, pig meat price quotations fell, underpinned by reduced purchases by China amidst heavy oversupplies and a rise in unsold pigs in Germany due to the continued ban on exports to Asian markets.

Early estimate points to record 2021 wheat output

FAO also released the Cereals Supply and Demand Brief, including updated assessments of global production, consumption, trade and inventories.

Global wheat production in 2021 is likely to increase and hit a new record of 780 million tonnes, according to FAO’s preliminary forecast, as expectations of a rebound in production in the European Union more than offset weather-impacted production prospects for output in the Russian Federation.

Maize production in South Africa is expected to reach near-record levels in 2021, while outputs in South America are forecast at well-above-average levels. The crop is yet to be planted in countries north of the equator.

The Brief offers more details and updated assessments. Highlights include a new and higher estimate for world cereal production in 2020, now seen at 2 761 million tonnes, a 1.9 percent increase from the previous year, lifted by higher-than-expected outturns reported for maize in West Africa, for rice in India, and wheat harvests in the European Union, Kazakhstan and the Russian Federation.

FAO’s new projections for 2020/21 include a 2.0 percent annual increase in global cereal utilization to 2 766 million tonnes and 5.5 percent growth in world trade in cereals to 464 million tonnes.

Global cereal stocks are now forecast to end 2021 at 811 million tonnes, 0.9 percent below their opening levels, pushing down the stock-to-use ratio to 28.6 percent. World rice and wheat stocks are expected to increase, while those of coarse grains to decline.

Cereal output and import needs both rises in Low-Income Food Deficit Countries

Crop Prospects and Food Situation, a quarterly publication by FAO’s Markets and Trade Division, was also released today.

It estimates that aggregate cereal production by the 51 Low-Income Food Deficit Countries rose 3.0 percent in 2020 from the previous year to 502.4 million tonnes, as recoveries in Southern Africa and the Near East outweighed a decline in Central Africa.

However, aggregate cereal import requirements by the group in the 2020/21 marketing year are expected to rise to 74.1 million tonnes, with the Far East and West Africa subregions posting the largest additional needs.

Early production outlooks for 2021 are broadly favourable but drought-like conditions in Afghanistan and southern Madagascar are of emerging concern.

The report assesses 45 countries to be in need of external assistance for food:

  1. Afghanistan,
  2. Bangladesh,
  3. Burkina Faso,
  4. Burundi,
  5. Cabo Verde,
  6. Cameroon,
  7. The central African Republic,
  8. Chad,
  9. Congo,
  10. The democratic People’s Republic of Korea,
  11. The Democratic Republic of Congo,
  12. Djibouti,
  13. Eritrea,
  14. Eswatini,
  15. Ethiopia,
  16. Guinea,
  17. Haiti,
  18. Iraq,
  19. Kenya,
  20. Lebanon,
  21. Lesotho,
  22. Liberia,
  23. Libya,
  24. Madagascar,
  25. Malawi,
  26. Mali,
  27. Mauritania,
  28. Mozambique,
  29. Myanmar,
  30. Namibia,
  31. Niger,
  32. Nigeria,
  33. Pakistan,
  34. Senegal,
  35. Sierra Leone,
  36. Somalia,
  37. South Sudan,
  38. Sudan,
  39. The Syrian Arab Republic,
  40. The United Republic of Tanzania,
  41. Uganda,
  42. Venezuela,
  43. Yemen,
  44. Zambia and
  45. Zimbabwe.

Over 168 Million Children Miss Nearly A Year of Schooling – UNICEF

Esan Bolaji
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Over 168 Million Children Miss Nearly A Year of Schooling – UNICEF

More than 168 million schoolchildren globally missed out on learning in class, as schools in some 14 countries remained largely shut for almost an entire year due to coronavirus-related lockdowns, the UN Children’s Fund (UNICEF) reported on Wednesday. 

“As we approach the one-year mark of the COVID-19 pandemic, we are again reminded of the catastrophic education emergency worldwide lockdowns have created”, Henrietta Fore, UNICEF Executive Director, said in a news release, announcing the agency’s findings.

Over 168 Million Children Miss Nearly A Year of Schooling - UNICEF Brandspurng
UNICEF/Chris Farber/UNICEF via Getty Images
UNICEF’s ‘Pandemic Classroom’ at the UN Headquarters in New York. Each empty desk and chair represents the million children living in countries where schools have been almost entirely closed.

“With every day that goes by, children unable to access in-person schooling fall further and further behind, with the most marginalized paying the heaviest price”, she added.

According to UNICEF, nine of the 14 countries, where schools remained mostly closed between March 2020 to February 2021, are in the Latin American and Caribbean region, affecting nearly 100 million students. Of these countries, Panama kept schools closed for the most days, followed by El Salvador, Bangladesh, and Bolivia.

In addition, around 214 million children – one in seven pupils globally – missed more than three-quarters of their in-person learning, while over 888 million continue to face disruptions to their education due to full and partial school closures, according to UN data.

Prioritize schools in reopening plans 

School closures have devastating consequences for children’s learning and wellbeing. The most vulnerable children and those unable to access remote learning are hit even harder, as they are at an increased risk of never returning to the classroom, sometimes forced into child labour and even child marriage, according to UNICEF.

Schoolchildren globally also rely on their schools as a place to interact with peers, seek support, access health and immunization services and a nutritious meal. The longer schools remain closed, the longer children are cut off from these critical elements of childhood, the agency added.

Executive Director Fore called on all nations to keep schools open, or prioritize them in reopening plans where they are closed.

“We cannot afford to move into year two of limited or even no in-school learning for these children. No effort should be spared to keep schools open, or prioritize them in reopening plans”, she highlighted.

UNICEF also urged governments to focus on the unique needs of every student, with comprehensive services covering remedial learning, health and nutrition, and mental health and protection measures in schools to nurture children and adolescents’ development and wellbeing.

‘Pandemic Classroom’

Also on Wednesday, UNICEF unveiled ‘Pandemic Classroom’, a model classroom made up of 168 empty desks, each desk representing one million of the children living in countries where schools have been almost entirely closed, as a “solemn reminder of the classrooms in every corner of the world that remain empty”, said the agency.

Behind each empty chair hangs an empty backpack – a placeholder for a child’s deferred potential.

After walking through the installation, set up at UN Headquarters in New York, UN Secretary-General António Guterres called the staggering number of children missing out on valuable education “a tragedy”.

“We have millions of children out of school and that is a tragedy. A tragedy for them, a tragedy for their countries, a tragedy for the future of humankind”, he said.

Organ Harvesting And Trafficking The Killer Of Hopes And Aspirations.

Oreoluwa Aderinkomi
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Organ Harvesting And Trafficking The Killer Of Hopes And Aspirations.

Humans need their organs functioning well in order to have a healthy life. As well the saying goes “health is wealth”. The rate at which human organs seems to have one issue or the other is alarming and those who came to afford organ transplant are the rich thereby leaving the poor to a sad state. However, recent development has seen a surge in human trafficking for the purpose of organ harvesting.

Human trafficking has existed as an ill in society that has failed to be solved. It is among the wicked Problems that humans have failed to make the right attempt as solving. While there seems to progress in tackling it, evidence suggests otherwise.

Organ Harvesting And Trafficking The Killer Of Hopes And Aspirations.

And what is even alarming is the form of human trafficking that is on the rise due to the huge demand for organs. Organ trafficking and harvesting in the form of human trafficking currently eating our society and there has even been a recent rise in such activity in Asia.

According to the United Nations, the transplantation of healthy organs into persons whose own organs have failed improves and saves thousands of lives every year. But demand for organs has outstripped supply, creating an underground market for illicitly obtained organs.

This demand for more human Organs for transplant has however taken a negative turn as human organs are being harvested in order to supply and keep up with the required demand.

This demand for organs with less supply has also made the organ trafficking and harvesting illegal business now a lucrative one has the pricing of organs keeps increasing.

There is much need to put a stop to this illegal practice but in order to do one needs to understand why such a market is booming. As earlier stated, the more the demand and the less the supply, the more the increase in the cost of an organ but there is a bigger cause at play which is the desperation of recipients and those people whose organs are harvested.

This desperation is an underlying cause why the illegal market is booming. The recipients or those in need of the organs pay high prices out of desperation because they want to prolong their lives and they are probably out of other options.

Those who are harvested are victims of desperation too. The Desperation to seek a better life for them and their families and sadly, most victims are from poorer countries of the world who seek to travel in search for greener pastures.

These victims leave home for a better life but nothing would be heard from them ever again. They left home to feed home but some perished or have their organs taken without permission while trying to have a better life.

There have been stories about how people from Africa desperate to reach Europe sell their body parts especially their organs in order to ensure passage. This is a very disturbing development and shows the desperation in leaving Africa once termed Fatherland and now seen as a wasteland.

There have been Speculations about the Asian being a strong market for organ harvesting and in as much as such speculations would want to be put to rest. Let us not forget how China used to practice harvesting organs from executed prisoners until the World greatly condemned it and in as much as the practice stopped, there would be a terrifying surge in the need of these organs by rich recipients.

Those trying to seek greener pastures should be wary of fake foreign agency promising them to work abroad. They would help in settling your travelling expenses but this is a plot to make one a victim of organ trafficking. The emergence of these fake agencies as been linked to the boom in the need for organs in the Middle East, Asia.

In the bid to fight this organ trafficking, information, Communications and collaboration is key. The right information and adequate Communication in local context and settings would need in order to make people especially in poorer countries aware of these vices.

Also, programmes and initiatives should spring up from this Communications on how you can find your greener pastures locally and if there is a need to find it else, the appropriate channels to pass through.

There should also be Communication tailored to the rich people who can afford to buy those organs as many are unaware of the sources of the organs used to prolong their lives or that of their love ones.

Also collaboration between the United Nations, the countries suffering from these acts of lack of respect for humans and the countries that seem to be benefitting from it. If there is a tight collaboration between these three in areas that include sharing of intelligence, Communication and information and designing solutions then there is a better chance to fight off these problems.

There is this saying that the rich keep getting richer and the poor keeps getting poorer but I guess in this case it is the rich eats the poor and until there is respect for human lives and rights then this would keep happening even thou they are cases where the rich are unaware but there are certain times, they know what is happening but just turn a blind eye to it.

If a country is involved indirectly or indirectly in this act of human organ trafficking by turning a blind eye to the illegal market or the human trafficking of people for organ harvesting, that country should be penalized by the United Nations no matter how powerful the country is.

Global Smart Speaker Sales Cross 150 Million Units for 2020 Following Robust Q4 Demand

Esan Bolaji
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0
Global Smart Speaker Sales Cross 150 Million Units for 2020 Following Robust Q4 Demand

HomePod Mini helps drive record quarterly share for Apple while Amazon and Google combine for more than 50% of the market

Global smart speaker sales reached a record level in 2020 in spite of the challenging conditions precipitated by the Covid 19 pandemic, according to the latest research from Strategy Analytics’ Smart Speakers and Screens service.

Global Smart Speaker Sales Cross 150 Million Units for 2020 Following Robust Q4 Demand Brandspurng1
During the lockdown, an Apple HomePod, a bottle of hand sanitiser, and a face mask. During the Covid-19 pandemic, smart home accessories like the Apple HomePod are becoming increasingly useful for operating smart devices in the home without having to touch them | Photo by Thomas Kolnowski

New model introductions from Apple, Amazon, Google, Alibaba and Baidu, which hit the market in time for the all-important holiday shopping season, contributed to a positive end to a difficult year. Smart displays accounted for 26% of the total smart speaker market during the quarter, up from 22% in Q4 2019.

Global Smart Speaker Sales Cross 150 Million Units for 2020 Following Robust Q4 Demand Brandspurng

The growing availability of models across different sizes and price points is contributing to strong growth for smart displays.

Amazon led the overall smart speaker market in Q4 with a 28.3% share of global shipments as the delayed Prime Day and strong seasonal demand resulted in a return to year-over-year growth for Echo speakers following two-quarters of volume decline.

Google finished second with a 22.6% share of the market but its shipments declined slightly versus the previous year. Baidu and Alibaba finished the year strongly, with both posting solid double-digit shipment growth as they put the challenges of the first half of the year behind them.

Apple was the standout performer in the quarter as its global shipments grew by 74% year-over-year following the launch of the $99 HomePod Mini in November. Apple’s market share reached a record of 7.8% in Q4 2020, an increase of 3.1% over the previous year.

“Considering all of the obstacles put in front of smart speaker vendors this year, the market has held up remarkably well,” notes David Watkins, Director, Smart Speakers and Screens.

“The delayed Prime Day shopping event delivered a boost to year-end demand and if it were not for component supply shortages the market would have fared even better. Stock supplies are expected to remain tight through early 2021 as the global shortage in electronics components lingers on.

Assuming smart speaker manufacturers can weather that storm then the continued recovery in China and high growth opportunities in markets with low smart speaker penetration across Europe, Asia and Latin America should present them with a solid platform for growth in 2021.”

FundQuest Visits Orphanage Home to Give Back to The Society

Esan Bolaji
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0
FundQuest Visits Orphanage Home to Give Back to The Society

FundQuest Financial Services Limited, a Finance Company operating within the middle tier of the Nigerian financial system, recently visited an orphanage home named Real Woman Foundation as part of the Company’s core purpose of giving back to the society.

The Company has always engaged in giving back to the society as part of its social responsibility and the trip to Real Woman Foundation is one of such in recent times.

FundQuest Visits Orphanage Home to Give Back to The Society Brandspurng

FundQuest believes in the principle of reciprocity and considers its society as a key stakeholder in the attainment of its corporate objectives. Therefore, the act of giving back to the society has been enshrined firmly within the Company’s Corporate Social Responsibility objectives.

The organization is poised and will continue to keep putting smiles on the faces of Nigerians through its services and Corporate Social Responsibility activities whilst delivering on its brand promise.

Incorporated in January 2012, FundQuest is known for playing complementary roles to banks in bridging the financing and investing gap through providing financial intermediation services such as Loans, Leases, Investments, Funds Management, and Business Advisory Services to Individuals, Micro, Small and Medium Enterprises (MSMEs) and corporate institutions in Nigeria.

For expert opinions on Investment, Advisory and Loans, please visit FundQuest at Fundquestnigeria.com.

Follow FundQuest on Twitter, LinkedIn and Facebook.

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