HOW TO USE GLO BORROW ME CREDIT

Glo has launched path breaking product called Borrow Me Credit for Prepaid Customers.  This is the most innovative service launched by Glo. Currently, when customer runs out of recharge, he has to go to out to buy a recharge card and top up his account. Sometimes there are situations when customer cannot go out to buy recharge card; during late night hours, while travelling, etc. Under these emergency situations customer is not able to make call due to low balance and there is opportunity loss for Glo.

Now, we offer solution to such customers who have consumed their airtime and cannot go out immediately to buy recharge card. Customer can send request to avail the facility of airtime credit by sending text on the short code. Customer will repay his credit by recharging his account and credit airtime will be deducted from his balance.

The customer is required to request through the predefined short code *321#, which will provide the customer the amounts qualified for. To get specific denominations use the following short codes:

    *321*50# for N50,
    *321*100# for N100,
    *321*200# for N200,
    *321*500# for N500
    *321*1000# for N1000

The Emergency Airtime Service allows active Globacom prepaid customers who meet the eligibility criteria set out in the table below.

Eligibility Matrix

Denomination (N)	Time on Network (Months)	Average Monthly Refills	Average Monthly Usage (N)
50	4	0	200
100	4	0	400
200	4	0	800
500	4	0	2000
1000	12	0	5000

The airtime advanced is subject to a service charge as mentioned below

Service Charges

Denomination (N)	Time on Network (Months)	Average Monthly Refills
50	5	45
100	10	90
200	20	180
500	50	450
1000	100	900

HOW TO SHARE YOUR GLO DATA PLAN WITH ONE OR MORE PERSONS

Data Sharing/Gifting

Data Sharing
You can now share your data plans with friends, family and loved ones. You can buy a data plan and share with your wife and kids instead of buyibg four different data. Anyone you share with gets notified via sms with immediate access to the internet.

How to Share
• To ADD people to share dial *127*01*# or Send “Share ” to 127
• To REMOVE people from sharing, dial *127*01*# OR Send “Remove ” to 127
• To LIST PEOPLE sharing your subscription, dial *127*00# or Send “List” to 127

Data Gifting
You can also buy a subscription and send it to friends, family and loved ones as ‘gifts’. This feature is especially useful if you don’t want to share your subscription with the intended recipient.
The gift recipient will be notified via customized SMS.

How to Gift a Data plan
• To GIFT a subscription: Dial *127**#
or Send “Gift ” to 127

THE IMPACT OF INTEREST RATE ON INVESTMENT DECISION IN NIGERIA. AN ECONOMETRIC ANALYSIS

CHAPTER ONE
INTRODUCTION

1.1 Background of the Study

Investment is the change in capital stock during a period. Consequently, unlike capital, investment is a flow term and not a stock term. This means that capital is measured at a point in time, while investment can only be measure over a period of time.

Investment plays a very important and positive role for progress and prosperity of any country. Many countries rely on investment to solve their economic problem such as poverty, unemployment etc (Muhammad Haron and Mohammed Nasr (2004).

Interest rate on the other hand is the price paid for the use of money. It is the opportunity cost of borrowing money from a lender to finance investment project. It can also be seen as the return being paid to the provider of financial resources, for going the fund for future consumption. Interest rates are normally expressed as a percentage rate. The volatile nature of interest is determined by many factors, which include taxes, risk of investment, inflationary expectations, liquidity preference, market imperfections in an economy etc.

THE IMPACT OF INTEREST RATE ON INVESTMENT DECISION IN NIGERIA. AN ECONOMETRIC ANALYSIS (1981-2010)

ABSTRACT

The focus of this research work is based on the impact of interest rate on investment decision in Nigeria. An econometric analysis between the periods of 1981-2010. Secondary data obtained from the central bank of Nigeria (CBN) statistical bulletin (volume 21) DEC 2010. Date was collected and empirical analysis made. To achieve these objective multiple regression was used in analyzing the data that the impact of interest rate on Nigeria prior to interest rate regulation in 1.986 and serve as guide to how interest rate can be fixed to enhance effective accumulation of savings that can channel to investment. Policy recommendation Government should in massively embarks on large-scale agriculture, manufacturing industrialization e.t.c and equally encourages small and medium scale enterprise (SMES). Public private partnership (ppp) should also be encouraged by government for efficient and effective production.

FAKE SOFTWARES IN NIGERIA

DESPITE   regulations, software  piracy has continued to grow in geometric progression across the globe, causing more economic harm than good.

Recently, a new study by the Business Software Alliance, BSA, the leading advocate for the global software industry has revealed that the commercial value of unlicensed software in Nigeria exceeded $287 million in 2013.
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This is an indication that eighty one percent of the software installed on personal computers, PCs, in Nigeria in 2013 were not properly licensed.


Similarly, in the Middle East and Africa, the commercial value of unlicensed software , according to the new study, was over $4.3 billion in 2013.

Globally, according to the study, unlicensed software use continues to be a major problem with 43 percent of the software installed on PCs around the world not properly licensed.

Emerging markets

Emerging markets now account for 56 percent of all PCs in use globally and nearly three-quarters of all are unlicensed software installations (73 percent). That trend is likely to continue.

Among the other findings in BSA’s global software survey, is the commercial value of unlicensed PC software installations totaled $62.7 billion globally in 2013, a slight decrease from $63.5 billion in 2011.

The survey further reported that computer users cite the risk of security threats from malware as the top reason not to use unlicensed software. Among their specific concerns are intrusions by hackers and loss of data.

Yet in the enterprise, only 35 percent of companies have written policies in place requiring use of properly licensed software.

“The study clearly shows how much work still has to be done,” said Marius Haman, Corporate Attorney, Digital Crimes Unit at Microsoft, one of BSA’s member companies,” adding that , “Reducing unlicensed software use will help to stimulate Nigeria’s economy, enhance businesses productivity and better avoid security risks. Security is especially important in light of the growing threat of cybercrime.”

“Most people don’t know what is installed on their systems. That needs to change,” BSA President and CEO Victoria Espinel, said.

According to Espinel, “There are common-sense steps managers and administrators can take to make sure their organizations are using genuine, properly licensed software.”

Another concern for Nigerian businesses is accidental piracy. “As methods to manufacture and sell counterfeit software become more sophisticated, there is an urgent need for greater awareness of this critical problem.

“ Unsuspecting companies are at risk of downloading or purchasing counterfeit software that can expose them to spyware, malware and viruses that can lead to identity theft, loss of data, and system failures,” Haman said.

Unscrupulous
resellers

According to him, “Local law enforcement is taking action to tackle unscrupulous resellers and computer shops. An effective partnership between the public and private sector is crucial to reducing unlicensed software use in Nigeria.”

One of the alarming trends revealed in the study was the significant gap between workers’ and IT managers’ awareness of company software policies.

A full 42 percent of workers say their companies either do not have a policy on licensed software use or they don’t know, while 86 percent of IT managers claim that their companies have either a written policy or an informal one. It is no surprise then, that less than half of IT managers surveyed are very confident that their company’s software is properly licensed.
Among the risks associated with unlicensed software, 64 per cent of users cited unauthorised access by hackers as a top concern and 59 percent cited loss of data.

The Middle East and Africa has the third highest regional rate of unlicensed software tied with Latin America at 59 percent. Asia-Pacific has the highest rate in the world (62 percent) followed by Central and Eastern Europe (61 percent).
Although there is a gradual shift occurring in the delivery of software functionality to the cloud, it is not likely to lower the rate of unlicensed software installations anytime soon.

According to the survey, 52 percent of respondents said they shared log-in credentials, up from 42 percent in 2011.
The BSA Global Software Survey, conducted in partnership with IDC, estimates the volume and value of unlicensed software installed on personal computers in 2013 across more than 110 national and regional economies.

It also reveals key social attitudes and behaviors related to software licensing, intellectual property, and emerging technologies based on a global survey of more than 24,000 respondents.

Tonto Dikeh Reacts To A Drawing Of Her On Twitter

She is definitely not liking it at all!!