The Central Bank Of Nigeria CBN is issuing loans to small and medium enterprises under the Agric Small and Medium Enterprise Scheme (AGSMEIS) Loan 2020.

What is Agric Small and Medium Enterprise Scheme (AGSMEIS)?

Agric, Small and Medium Enterprise Scheme AGSMEIS is the Bankers’ Committee’s initiative aimed at complementing the efforts of the Federal Government to promote agri-business as well as small and medium-sized enterprises as a vehicle for sustainable economic development and job creation.

The AGSMEIS was approved at the Bankers’ committee 331st held on the 9th of February 2017. The Scheme requires all banks in Nigeria to set aside 5% of their profit after tax (PAT) annually for onward disbursement as loans.

In pursuit of this Scheme, the CBN appoints reputable and experienced organizations, referred to as Enterprise Development Institutes (EDIs), to provide necessary business development support.

From the AGSMEIS, you can access up to N10M at 5 percent per year– without collateral.

Objectives of the Agric, Small and Medium Enterprise Scheme (AGSMEIS)

The Scheme’s goals include:

To create much-needed job possibilities in Nigeria

To improve the agricultural value chain and guarantee sustainable farming practices.

To guarantee access to finance for small and medium-sized enterprises (SMEs)

To boost the managerial capacity of Agri-Business/SMEs as pipelines of fast growing enterprises that can evolve into corporate organizations.

Who is eligible for AGSMEIS Loan
MSMEs are eligible in the following industries:
Agriculture,
Education,
Healthcare,
Services,(Hospitality, Restaurants, Catering, Services, etc.),
ICT,
Manufacturing / Production,
Mining, Creative Industry (Fashion, Design, Craf Entertainment, etc.), etc.

How to apply for AGSMEIS Loan Without Collateral

Step 1: Get trained
Train at a CBN-certified Entrepreneurship Development Institute (EDI) for a one-week mandatory training course.

Step 2: Apply for the Loan.
The Entrepreneurship Development Institute (EDI) will guide you and help you get all the papers you need to secure your credit.
You can obtain the current application form from the CBN EDC that trained you. But

Step 3: Receive funds
For eligible applications, funds are paid into the beneficiaries’ account.
Feedback is provided to unqualified applicants.

Step 4: Get Business Support Services
The Entrepreneurship Development Institute will assist you in implementing the business plan and commercially delivering business support services.

Step 5: Make Sales
Sell products and services for reimbursement and profit.

Step 6: Reimbursement
Run your business, keep records, monitor sales and expenses to maximize profit and repay the loan.

What is the interest rate for AGSMEIS Loan?

This is the question any serious prospective entrepreneur should ask. The AGSMEIS charges as little as five (5) percent interest for the first five(5) years on overall capital.
In other words, if you get One Million Naira(N1,000,000), you will be required to reimburse One Million Fifty Thousand Naira(N1,050,000) over the period of the loan.
Get more details at: www.nmfb.com.ng/sme

CBN AGSMEIS Loan Requirements
Get the following details handy as you will be required to present them either during application, before final approval of the CBN loan application or final disbursement of the funds.
Registered business with CAC
Evidence of tax payments
BVN
Letter of Introduction
Letter of Guaranty
Certification by an EDI
Passport photo of you and guarantor
Valid ID card
Who Is Qualified To Write A Letter of Introduction for CBN AGSMEIS Loan?
Your Pastor/Priest
Chief Imam
LGA Chairman
CDA Chairman
Village Head
Senior Civil Servants Level 14 above
Your friend or spouse can write the guaranty letter.

Important Notice: Please note that applicants who submitted last year and received a link to provide further details before the last requirements came out do not need to submit again.

About NMFB
The National Microfinance Bank is Nigeria’s leading financial institution authorized by the Central Bank of Nigeria (CBN). The Company was established in 2019 as a Private Limited Company and began operations after obtaining a license from the CBN as a National Microfinance Bank. It is owned by the Bankers Committee by 50%, by NIRSAL by 40% and NIPOST by 10%.

Until now, the bank has disbursed about 776 million loans under the AGSMEIS to eligible SMEs.

Here is a list of CBN approved Entrepreneurship Development Centers EDC
There is at least one EDC center in each of the six geopolitical zones of the country. Here are their addresses.

CBN-EDC, Ibadan (South West)
Website: www.edcsouthwest.org
Address: Old SDSTC (Oyo Oodua Skill Acquisition Centre Premises),
Samonda, along Sango-UI Road,
Ibadan, Oyo State, Nigeria.

CBN-EDC, PortHarcourt (South South)
Website: www.ssedc.org
30 Trans-Woji road, Grace plaza, by Slaughter Bridge Woji Town,
Port Harcourt, Rivers State

CBN-EDC, Maiduguri (North East)
website : edcnortheast.com.ng
Address: Old Informatics Institute, Njimtillo, Kano Road,
Maiduguri, Borno State

CBN-EDC, Kano (North West)
Address: Murtala Muhammed Library Complex,
Kano, Kano State

CBN-EDC, Makurdi (North Central)
Off Jonah Jang Crescent,
Near Federal Secretariat,
Makurdi, Benue State.

CBN-EDC, Minna (North Central)
Address: Minna Innovation Institute,
Behind Niger State Sharia Commission,
Justice Ndajiwo Drive,
Minna, Niger State.

CBN-EDC, Enugu (South East)
Address: Ebenezer Villa Suite
8, Ogenyi Close, Off Cornerstone Avenue
Off Nike Lake Resort Road,
Enugu, Enugu State.

You can get more contact addresses of Entrepreneurship development centres in Nigeria @ https://www.boi.ng/edcpartners/

Frequently asked questions

How do I access the Loan?
Get trained by first selecting a CBN-Certified Entrepreneurship Development Institute (EDI) to guide you through the loan application process and ensure that all your documents are complete.

What is the interest rate for this loan?
The interest rate is nine percent (9%) per annum

Do I need collateral?
No, this loan scheme does not require a collater

How long will it take to receive funds?
This loan scheme is designed to be easily accessible. The entire process is automatted. From application submittion to disbursement takes six(6) to eight(8) weeks.

Has disbursement started?
Yes we have disbursed over N25B and this is sti ongoing.

Source: https://canonspace.com/2019/10/02/apply-for-cbn-agsmeis-loan-2019-without-collateral/

Pope Francis has declared support for civil unions for same-sex couples for the first time, according to the Catholic News Agency.
The Pope made the historic remarks in "Francesco," a new documentary film directed by Russian filmmaker Evgeny Afineevsky, that premiered at the Rome Film Festival on Wednesday.

"Homosexual people have a right to be in a family. They're children of God and have a right to a family. Nobody should be thrown out or be made miserable over it," the Pope said in the film, the Catholic News Agency reported.

"What we have to create is a civil union law. That way they are legally covered," the Pope said.

The film also explores the Pope's work and views in other issues, including climate change, migration and economic equality, according to the film's website. It is set to premiere in North America on Sunday during the SCAD Savannah Film Festival.

Francis has suggested in past interviews that he is not against civil unions, but this is the first time as Pope that he has directly come out in favor of them.

As Archbishop of Buenos Aires, Francis advocated for same-sex civil unions as an alternative when Argentina was discussing whether to legalize same-sex marriage.
Francis' comments differ from his predecessor, Benedict XVI, who made the news when he labeled homosexuality "an intrinsic moral evil."

Jesuit Father James Martin, who has advocated for the church to welcome LGBTQ people, said bishops from many countries, including some in the United States and Poland, who are "violently against" civil unions will have to rethink their positions.

"He's creating a new space for LGBT people ... He's saying it on the record and he's being very clear. It's not simply that he's tolerating it -- he's supporting it," Martin told CNN's Christine Amanpour on Wednesday.

In the US, Bishop Thomas Tobin of Providence, Rhode Island, asked for more clarification, saying the Francis' comments contradict the church's teachings on same-sex unions.

"The Church cannot support the acceptance of objectively immoral relationships," Thomas said in a statement. "Individuals with same-sex attraction are beloved children of God and must have their personal human rights and civil rights recognized and protected by law. However, the legalization of their civil unions, which seek to simulate holy matrimony, is not admissible."

Ed Mechmann, director of public policy for the Archidiocese of New York, described the Pope's comments as a serious mistake that can lead to a lot of confusion.

"In this case, I think we have to recognize that the Holy Father has plainly erred," Mechmann wrote in a blog post. "Catholics cannot promote the legalization of same-sex unions. But we also have to be clear that he isn't changing the teaching of the Church on homosexuality or same-sex unions in any way."

Source: https://www.cnn.com/2020/10/21/europe/pope-gay-couples-civil-union-intl/index.html

Is it advisable to mix  ,fungicides and liquid fertilizer in the same tank?
Won't the fertilizer reduce the effectiveness of both contact and systemic fungicide that are to be mixed together? 
Also what is the advisable mixing ratio of the fungicides(both contact and systemic)?

Pls my pepper has been affected by diseases and they have affected many plantsuch as Tomatoes spotted wilt virus, bacteria leaf spot ,fruit rot etc.pls any remedy, I just applied manxozeb (z force) but I ve not noticed any changes?

 I am a new member, a vegetable farmer..I will love to learn more on vegetable farming (pepper and tomatoes)  and share my experiences in later times

An Abia pig farmer, Mr. Akobundu Steven Agomoh is currently counting his losses following a deadly disease that struck his farm, killing over 438 pigs.

Mr. Agomoh who is the CEO of Akonauche Farms located in Agbommiri Ndoro Oboro in Ikwuano local government area of Abia state in a chat with ABN TV on Friday said the swine flu defied all cures by his veterinary doctors.

Video:
https://www.youtube.com/watch?v=hy9zcilClCs

According to Mr. Agomoh, all known medication was administered on the pigs but no result was achieved as they continued dying helplessly. The farmer described the disease as an outbreak that broke out in Lagos, moved to Ogun, and later Umuahia, Abia State. He said it was brought into the state by people who went to buy the younger pigs known as weaners.

The disease which he said can be spread to humans witnessed a spike in Umuahia when owners of infected pigs started an aggressive sale to meat sellers. He said it was transferred into his farm by meat sellers who had contact with infected pigs and later visited his farm in Oboro, Ikwuano. The disease since the outbreak in June this year has caused fatal losses to farmers, he said.

In the third week of June, Agomoh's farm was struck, leading to the death of 438 pigs, estimated at 11 million Naira. "They died in tens hourly. The first sign I noticed was the loss of appetite and cold. Anyone that dies will have a semblance of blood on the nose.
"They also had red spots. Within 40 minutes after death, the spots change to black" he said.

Source: https://abntv.ng/2020/07/fears-as-deadly-pig-disease-hits-abia-farmer-loses-millions-in-4-days-photos-video/

I am Adeyeye Emmanuel a new member wishing to get first-hand counsel that will help me in my poultry adventure

I reside deep in the heart of kaduna, graduate of chemical engineering whose heart has always been in love with farming, especially livestock. Now my singular goal is to marry both to aid boost Agric Business in Nigeria. For now I own a small poultry farm but my mind harbors a plan for the near future. I am glad to be here as I always advocate for the free flow of information as long we all do the same. This thread will host my current experiences good and the other good

I reside deep in the heart of kaduna, graduate of chemical engineering whose heart has always been in love with farming, especially livestock. Now my singular goal is to marry both to aid boost Agric Business in Nigeria. For now I own a small poultry farm but my mind harbors a plan for the near future. I am glad to be here as I always advocate for the free flow of information as long we all do the same. This thread will host my current experiences and journey so far  

Hi everyone. I m a newbie. So glad to come across this forum

In this thread, I want to post lots of info I have gathered on plant nematodes. Plant parasitic nematodes are very tiny pests that lives in the soil. So tiny that you can't see them with your naked eyes. These pests can attack roots and suck nutrients out of plants, causing decrease yield and poor plant health.

There are many types of nematodes but the root knot nematodes is popularly known by many. They are those ones that causes knots on the roots.

PTF: Farmers Should Prepare To Return To Their Farms by modgba :
By Modupe Gbadeyanka

Chairman of the Presidential Task Force (PTF) for Coronavirus Disease (COVID-19) in Nigeria, Mr Boss Mustapha, has asked farmers in the country to prepare to return to their farms very soon.

The PTF Chair, speaking during the daily press briefing on Friday in Abuja, stated that this became necessary to avert food crisis in the country at a time the nation was battling with health and economic crisis.

According to him, the federal government, through the ministry of Agriculture, will make adequate arrangements to make things go smoothly for farmer.

He said Nigeria must take full advantage of the forthcoming planting season to increase the food bank of the nation.

“​I also wish to use this opportunity to restate that food security and self-sufficiency remain important to our national life.

“I therefore, urge all our farmers to begin to prepare for their return to the farms as the planting season.

“The Federal Ministry of Agriculture has put in place arrangements for access to farm inputs, extension and others services,” Mr Mustapha said.

The PTF boss, who doubles as Secretary to the Government of the Federation (SGF), used the occasion to announce the signing of a deal to provide life insurance to about 5,000 health workers assisting in the fight against coronavirus pandemic.

“​I am, however, pleased to inform you that, in addition to what the Federal Government is doing, the insurance industry has responded massively to the call for support.

“The PTF has received the life insurance cover to the frontline workers on COVID-19 for a maximum of 5,000 health workers who are employed to fight against the COVID-19 pandemic.

“The premium in the sum of N112,500,000 for the cover has been fully paid by the Nigerian insurance industry in line with the principle of no premium, no cover,” he said.
Concluding his speech, Mr Mustapha further appealed to “all Nigerians to continue to comply with the advisories,” saying, “These are still the most efficient measures that can help us manage the ravaging virus.”

https://businesspost.ng/general/farmers-should-prepare-to-return-to-farms-ptf/

I have come across some sites that claim that fermented cow urine can be used against pests and diseases. But how true is this? Can it really tackle stubborn pests and diseases?

I want to start a plantain plantation and I intend keeping over 100 local chickens in it. But the only problem is that they will scratch the soil and disturb roots and this might not be good for the plantain. So I want to know if there is anything that can be put on the chickens to prevent scratching. Any idea?

Is it dangerous for a foreigner to own and operate agricultural activities?

Will Nigerians fall back to agriculture as a main source to generate income since it was abadoned for crude oil whose price value has diminished?

What role does animals play in transmitting the pandemic ( in particular coronavirus)

Please can any one tell me how has the pandemic (coronavirus) affected food systems, food security, and agricultural livelihood?

By Ven. Olusegun Onafeso
As a way of tackling future pandemic plague like the corona virus, Mr Bill Gate has proposed the use of skin embedded microchips, as a means of vaccination certification. There is an ongoing concern amongst Christians whether the microchip skin implant vaccination certifications proposed by Mr Bii Gate, and whose development is said to be currently being funded by him is the mark of the beast? The concern is further boosted by officially discribing the implant as a "quantum dot tatoo".
My opinion about this is that, this is not the sign of the beast, but a prelude to it. What is currently happening is a gradual conditioning of the human race to accept personal data computation. Due to a pandemic like Corona virus plague, the vaccination certification idea of Mr Bill Gate will gain widespread support in the near future. Personal Data Computation of Medical records will be the first to be accepted, thereafter, other more controlling Personal Data Computation (like financial records, religious allegiance, etc) will be gradually introduced. Invariably a time will arrive in the future, when people will be asked to express religious allegiance to the state, at that time there will be one global government and that is when, the mark of the beast will happen. Remember that the offshoot from the 2nd World War was the formation of the United Nations, likewise, the offshoot from worldwide crisis (like plague, economic depression, credible fears of aliens phenomenon etc) will eventually result to the emergence of a form of World Government as a replacement to the United Nations. But all these I am saying is not imminent now, until the unfolding of more trying times ahead to make a World Government inevitable. The rapture will happen either before the World Government is formed or during it's tyrannical oppression of the Church of Christ (2 Thess.2:3-4).
What the Church needs to do at this time is vigilance and doctrinal steadfastness to the gospel of Christ and the Scriptures. Compromising on little things are presently going on, when the compromise on big things begins to happen, a big shaking, which has never happened in the history of the Church will happen, in preparation for the rapture. Every Christian must be sure that, what he is holding is the authentic gospel, as handed down by the apostles and not mere Denominational dogmas or New Age version of Christianity. Training of Christians in true Discipleship and Stewardship, must be the primary focus of the Church, along with an unprecedented aggressive Evangelism. This we must ensure as the Church of Christ, to pass on, to the coming generations, generation after generation, until the coming of the Lord.
The second coming of Christ is in two parts, the first part is the rapture of the saints militant to join the saints triumphant in the sky (1Thess.4 : 15-17). This is largely an invisible event, the only thing the people left behind will notice is the vast disappearance of the faithful. The second part of the second coming of Christ is the descent of Christ with the saints, as written in Jude 14-25, to do two things:
1. Deliver the nation of Israel from the Armageddon war.(Rev. 19: 14-17)
2. To sack the World Government, and commence reigning as King over the whole world for a thousand years. This is the millennial reigned of Christ (Rev.20:1-7). These two events constitute the Second Advent of Christ.

Source: https://mobile.facebook.com/groups/282475001842282?view=permalink&id=2981879645235124&p=10&av=100001379541349&eav=AfYAoS6E2mzocglRmHQ-nTOcwK_CpNNuj8mz85nroLC04s7JvRQaaHFfF9ZaLoA9NEw&refid=18

UNN Youngest Professor, Ozioma Onuzulike Writes About The Marlians Cult

*The Deadly Virus Called Naira Marley*
By Ozioma Onuzulike

“Quarter pass, you still want to get high/After one original tramadol extra…/ I want to wake up inside money… /Yeah, come! Am I guilty?/ I am smart and I am making money… /Am I a yahoo boy? No evidence…”

Taken from “Mafo” (2019), these lines easily spotlight the hot lure of our youth towards Naira Marley’s world of reckless lifestyle. Azeez Fashola took up the stage name “Naira Marley” in admiration of Bob Marley, the late reggae musician. Like Bob Marley, he wears dreadlocks and is a notorious smoker and promoter of cannabis (Indian hemp or Igbo). He is the latest deadly virus in town, creating a cult followership among the youth who are called Marlians.

Like an evil genius, Azeez Fashola easily sells the Marlian brand to his admirers by blowing their heads with customised volleys of “Marlians! Marlians! Marlians!...” Many adults have also swallowed the bait. One of them recently thumbed up Azeez Fashola’s photograph on the social media, gleefully declaring: “This is the Marlian Prince”. He proceeded to enlist as one of Naira Marley’s spin doctors, blatantly lying that Naira Marley “studied uptil (sic) Masters level in the UK and holds a degree with distinction in Business Law”. Is he correct? Has Azeez Fashola attended any degree-awarding school? Naira Marley’s last school was a Sixth Form college (Crossways College) at which point he left off formal education because, according to his own confession to the EFCC, “I had kids at that time, so I took a break and started making music till date”. But his spin doctor told ‘white’ lies in his spirited effort to convince his audience that Naira Marley is, according to him, “a successful young man, living an interesting life”. And why not? Naira Marley, born only on 9th May 1994, is married to two wives and has four kids!

Concerned parents should discountenance Naira Marley’s spin doctors on social media who are dutifully reading his recent Wikipedia entry upside down to the extent of expressly awarding him a master’s degree in an unknown field of study. They are working hard to dispel fears that real Marlians do not become school drop outs even when they are “mannerless” and smoke weed like their Prince, change women like clothes and immerse themselves in the quest for easy money that are spent on alcohol and sex – vices that constitute the selling points of their Prince’s music videos.

As a parent, take out some time to understand the lyrics of Naira Marley’s latest hit song “Soapy”, which he released after his recent “visit” to the Economic and Financial Crimes Commission (EFCC). Watch Naira Marley himself or members of his growing gang do the “Soapy Dance”. You will be surprised to witness how audacious Naira Marley has grown in injecting deadly viruses into the brains of our youth.

Before now, you may have seen people dancing lewd dances with their vibrating buttocks and changing gear sometimes to make gestures that are suggestive of the sexual act itself. But you have seen nothing yet. In his so-called “Soapy Dance”, Naira Marley has got those vulgar dance moves “improved” by his introduction of a very explicit sexual gesture that has extended the deadly reach of today’s insanity. Beginning with the song’s title, “Soapy”, he makes no pretensions about his glamorisation and promotion of masturbation. In doing this so-called “Soapy Dance”, the right or left hand is held in front of one’s groin in a way that visually suggests it is holding up a man’s charged “thing”. A rhythmic glide of the folded hand is sustained at work while the dancer seductively moves his or her groin in an aggressively suggestive way.
That is not all. It is even more perplexing and vexing to encounter Naira Marley’s deliberate injection of real or simulated voices of children into the “Soapy” choruses in ways that easily sway unsuspecting kids to sing along with him. What good does a practical lesson on masturbation do to your children? He even ends the song, most enchantingly, by cautioning on the wrong kind of soap to masturbate with. Your children innocuously sing with him, oblivious of the song’s poisonous flow that gradually finds its way into their vulnerable brain. Naira Marley’s “Soapy Dance” is sugar-coated poison! Like a delicious candy, your children nod their heads to its sweetness at first, but, if care is not taken, they are bound to be silently and gradually destroyed by the candy’s deadly core!

You may also examine Naira Marley’s “PXTA”, his music video featuring a large crowd of shameless young men and women dancing with bare bottoms and even copulating like dogs. You will find a set of pregnant girls dressed in what looks like secondary school pinafore uniforms and who suddenly turn to dance the “ass dance”. In this video, Naira Marley unambiguously defines the qualifications for admittance of young, impressionable minds into the Marlian “gang” (to use his own expression!). In the song’s introduction, you hear Naira Marley say “Hey control the crowd, control the crowd/ Marlians come forward, the rest Bleep off…” Well dressed young men are refused admission into the dance arena as Naira Marley intones, “If herb is not getting you high, just play Naira Marley song and you will scatter/We, the mannerless ones; zero belt, a thousand trousers”. The young men pull out their belts and stagger into the arena to join Naira Marley whose own ‘belt-less’ trouser hangs below his ass as he continues singing “Do you know MD?/ That means you should dance Marlian Dance/Can you see NBG?/ Don’t bother saying too much; it is we, the no belt gang!”

From my interactions with students of my university, “Zero belt, a thousand trousers” has become a very catchy line for them. So, to be a real Marlian, you have to dress without a belt and your trousers would have to hang down your ass, exposing your inner wear like that of Naira Marley. Why? “We, no manners” is the creed! After all, “U Bad-Oh!”

If you are patient to search out the English translation of Naira Marley’s “Opotoyi”, you will confirm that he has NOTHING good to offer your children. In this, he sings: “Marlians (7x)/Lift Your Legs (6x)/ Marlians (7x)/MD, MD, MD, this MD is Bad-Oh!/… South Africa owns this bottom mehn/Look at that bottom, they travelled to mould that bottom./So It's as big as this/You covered it up with clothes/It's as big as this…” He continues to sing about big bottoms. Suddenly, he adds “…Dance to my song, give me 5 minutes like indomie/ She's looking at me, seems she wants to bang me/ Give me my thing, man, give me my weed”. He glamorises illicit sex and Indian hemp. He then goes even more vicious: “I called my dealer, she sniffed, I had weed in my mouth, ganja!/She wants to kiss, baby girl can you kiss Tobi, Go down …/Small breast like tiger pussy/Sexy girl, let me lean on your chest”.
He is not done yet. In “Opotoyi”, Naira Marley tickles the fancy of your children towards MouthAction, raising their curiosity as he sings, “Just like sugar,… her pussy is as sweet as sugar… / Lick what you want, let them know we met wealth on earth/ So It's as big as this/ You covered it up with clothes…”. He continues with other lewd lines before the song comes to an end with hails of “Marlians! Marlians!...” And then, you wonder if Naira Marley is building your children for good or helping the devil to plant seeds of destruction in their impressionable minds. Or whether the devil himself has not cultured Naira Marley into a deadly virus.

Without doubt, what have characterised Naira Marley’s brand are illicit drugs, sex, alcohol and easy money. All of Naira Marley’s music lyrics and videos of 2019 that I have seen are never complete without the glamorisation of cannabis (Indian hemp), the female ass and alcohol. The glorification of internet fraud (yahoo-yahoo) is also his trademark. These are among deadly viruses that drive many young people away from their parents’ godly counsel and either destroy them completely or keep them disoriented.

Parents? Yes, I am referring to godly parents, those who are truly responsible and exemplary, not those who are probably worse than Naira Marley himself. One of Naira Marley’s strange fans among the university lecturers that I know has vehemently argued that Naira Marley is not the inventor of these vices and that they (these vices) will not end with him. Yes. There have always been these vices, no doubt. But the point is that Azeez Fashola (Naira Marley) is currently one of the most audacious promoters of them all. And responsible parents ought to be on their guard. They should be wary of the trending deadly virus of this time.

I urge all truly concerned parents to be on red alert, constantly guarding their children with the anti-virus of godly virtues. One of my own father’s efficacious anti-virus programmes is drawn from God’s word in Proverbs chapter 1, especially verse 10. I can confidently recommend that - “My son, if sinners entice thee, consent thou not!”

*Ozioma Onuzulike is a Professor of Ceramic Art and African Art History at the University of Nigeria, Nsukka.*

From https://www.nairaland.com/5652747/ozioma-onuzulike-naira-marley-deadly