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Jay Onwukwe

Jay Onwukwe

The Bankers’ Committee established the Agri-Business, Small and Medium Enterprise Investment Scheme (AGSMEIS) initiative in 2017.

The AGSMEIS Scheme supports government’s initiatives for the promotion of agro-businesses, micro, small and medium enterprises (MSMEs) as vehicles for sustainable economic development and job creation in Nigeria.

To accomplish this objective, these target groups must have easy access to affordable loans. Lack of access to credit is a major hurdle and setback for Micro, Small and Medium Enterprises in Nigeria.

And that is precisely what NIRSAL National Microfinance Bank is set to reverse. NIRSAL is licensed by the Central Bank of Nigeria (CBN) to operate as a National Microfinance Bank, with branches in all the 774 Local Government Areas in Nigeria.

As an interventionist Microfinance Bank, NIRSAL will disburse loans at an annual interest rate of 5%, and with no collateral requirement - except for large loans. Under the AGSMEIS Scheme, the loan amount obtainable was capped at ₦10 million.

Available Products and Services include Micro-savings, Micro-loans, Agricultural Finance, Small and Medium Enterprises Loans, Group Loans, Lease Finance, Consumer Finance and School Finance.

There are various Savings and Current account types amongst which are the NIRSAL MICROFINANCE BANK Quick Access Corporate Savings/Current Accounts for both Individuals (persons or partnerships) and Corporate Bodies (Limited Liability Companies, Registered Businesses, and NGOs).

Now you no longer have any excuse for not starting that dream business or project of yours. Contact Aba Chamber of Commerce, Industry, Mines and Agriculture (ACCIMA) secretariat for further guidelines.

To know more about NIRSAL, visit their website at


© Jay Onwukwe

The Aspiring Entrepreneurs Digital Programme organised by Fate Foundation and powered by Facebook is now open to applications from Aba Young Entrepreneurs Business Community. The Event will happen live here in Aba.

This Scholarship information is ONLY for young aspiring Nigerian entrepreneurs applying for the Facebook supported Aspiring Entrepreneurs Digital Programme.

With generous support from Facebook, FATE Foundation is able to provide full term scholarship support to 320 Entrepreneurs in 2019, for 8 Aspiring Entrepreneurs Programme streams across 7 Nigerian cities.

The tuition fee for the 2019 run of the AEP is at a subsidised rate of N200,000 (Two Hundred Thousand Naira Only). This fee covers all participants feeding and materials during the programme including reading packs, books, case studies and lunch/snacks.

To learn more click here:

To apply click here:

To your Success!

How to Optimize Your Enterprise Potentials using the
"Igbo BUSINESS Model"

Blackboard CHALK is used not only by teachers in public and private Primary and Secondary schools in Nigeria, but also by others such as tailors, technicians, furniture makers, designers, construction workers, etc. The demand drivers for chalk are active and growing; hence school (blackboard) chalk is a commodity in constant demand.

School chalk production is a simple business you can start at home. You don't require much money if you can start on a manual production mode, with just yourself and a helper. In that case you need not worry about electricity or generator until you decide to raise your production capacity using automated processes.

Who Can do this Business?

Are you ready to sweat? Are you ready to put both your brain and brawn to work? You don't mind getting your hands untidy? You're not put off by mixing chemicals? You don't have a 'get-rich-overnight' mentality? Then you're welcome!

This is a simple straightforward business anyone willing to work hard can actually start at home, with little capital and no labour or power issues to worry about.

Getting Started

The Process: You need to learn how to make quality school chalk. This you can do by reading about it (buy a Chalk Production Manual), visiting a skills acquisition centre near you, or learning from someone already in the business.

Space: You need operating space to store raw materials, place the moulds, and for drying (under the sun) and packaging the chalk sticks.


Equipment Required

You need Chalk Moulds (usually made of metal or plastic) that meet industry standard specifications. Moulds are the main equipment for chalk production.

Moulds have holes into which the mixed paste is filled. The mould gives your chalk its shape, size and length.

A manual mould could have up to 60, 72, 120, 144 or even 240 holes; and this determines the quantity of chalk sticks produced in one go.

Others things you need include Mixers (large basin or bucket) Scrapper, Cup, Lubricants, paint Brush and Packaging items (small cartons or nylon packs).

For a small scale manual production, sun drying is adequate. No need for Dryer yet.

Safety and personal protection items such as Safety boots, Hand gloves and face masks are recommended.

The Raw Materials 

The raw materials for chalk production include: Plaster of Paris (POP), Calcium Carbonate (makes the chalk sticks smooth and less dusty), and colorants (for making coloured chalk).

Plaster of Paris is the main ingredient for chalk making. POP and Calcium Carbonate form a quick hardening paste when mixed with water.

Clean water is the solvent for dissolving and mixing the chemical components into a smooth paste.

For easy of operation, lubricants (usually cooking oil mixed with kerosene) are used to keep the moulds smooth and free from sticky paste.

The Production Process

The production process is simple:

Pour the right quantities of POP and Calcium Carbonate into your mixer bowl. Mix thoroughly and then add water. Add colour if necessary. Stir until you have a very smooth paste.

Lubricate the mould; then pour the paste into the holes. Leave to set (15 – 20 minutes). Dismantle mould and remove chalk sticks. Leave the chalk sticks under the sun to dry for 2 to 3 days.

Arrange and package the dry smooth chalk sticks for the market and supply.

Start-up Success Tips

Register a business name (as soon as you can).

Learn the tips and tricks of making high quality chalk. Purchase a good and detailed Chalk Making manual.

You may need to visit a producer to get more information on components mixing ratios, and answers to any other questions.

Prioritize your time between sourcing for raw materials, actual production, packaging and marketing of your product.

Visit your neighbourhood schools and other prospective users of your product and give them free samples of your product. Then politely ask for their order when next you visit.

Be sure to produce high quality chalk; as well as meet the quantity demanded by your customers.

Is it Profitable?

Education at all levels is a continuum. New schools are springing up every year. The demand for school chalk in Nigeria is therefore strong and growing.

The process of chalk production is simple and easy – no technicalities. The raw materials are always available. This is a business you can start small (manual) and grow big (automated).

The market is ready. Demand is always increasing. Profits are guaranteed. What are you waiting for? Start your own School Chalk Production Business today - thank me later!


Stay Smart, Wealthy and Wise!

© Jay Onwukwe


Business management principles adduce reasons why a business fails. However, there are other less obvious but equally potent reasons why a Small Business may fail.

Profit is a measure of business success. There are known considerations and principles for business start-up success. These include business plan, choice of location, capital, customer service, book keeping, staffing, publicity, etc.

However, many start-ups overlook these basic business principles thinking they do not apply to them; and this may lead to business failure.

Below are the less obvious reasons why a one-man Business fails.

  1. Your Profit Calculation is Wrong
    If the calculated difference between your selling price and your cost-of-production is wrong, your business may crash sooner than later. Selling Price minus Production Cost must be positive for your business to survive and make profit. Be sure to factor in all costs into the calculation!

  2. You are in the Wrong Business
    Is your business right for you? Are you excited about it? Do you have the drive? Are you a round peg in a round hole? Not being in the right business could lead to failure.

  3. You're in Business for the Wrong Reasons
    Starting a business just because you want to answer "Boss"; or because you want to escape from the 9-5 workday routine, is a wrong move. Being in business for the wrong reasons can cause failure.

    A successful business is highly rewarding. But it requires great personal sacrifice and long hours of work; and you must be ready to work even harder. Start a business only if you have a strong Drive, Desire, Purpose, Vision and Mission.

  4. You Plunder the Business
    Disloyal and poorly motivated employees can plunder the business by wasting time, low output, or even stealing raw materials and finished products. This can run a business down.

    Business owners also plunder the business by taking money from the business for non-business purposes; by using business funds to cater for social, family and personal expense; by taking money from the cashier and not accounting for it - because you are the "boss"!

    You must separate your personal expense from your business expense. Place yourself on a salary and live within it.

  5. Where is the Money?
    Poor credit management can lead to business failure. When your operating capital is tied down in debt, and out of reach of the business, then there is danger of bankruptcy. Selling on credit, having many debtors and a poor or no repayment plan, can cripple any business.

    Stay Alert!

    Remember, no business fails overnight. There usually are noticeable tell-tale signs before a business crash. If you are mindful and alert, you can take action to prevent a business collapse before it ever happens.

Stay Smart, Wealthy and Wise!

© Jay Onwukwe 

Share your thoughts!

Wednesday, 10 October 2018 20:43

Become Rich With Nigerian Food Export Business!

One out of every four Africans is a Nigerian. And not too long ago, it was difficult for Africans, and indeed Nigerians to get Nigerian food to eat while abroad. But today, it is a different story – thanks to Nigerian Food Export Business.

Nigerian food export business is simple and straight forward. All you need do is Source, Package and Export. You don't have to export everything! Just focus on the few most viable ones for your chosen market or country of export – taking into consideration availability, easy of processing, preservation, quality, packaging and shipping requirements.

What Can I Export?
Food items you can export include Yam Tubers, Plantains, Bananas, Tomatoes, Mangoes, Oranges, Pawpaw, Water Melon, Pineapples, Red Palm Oil, Onions, Cucumbers, Corn, Potatoes, Groundnut Oil, Garri, Amala, Melon Seed (egusi), Ogbono, Pepper (red or black), Dehydrated Vegetables (Ugu, Bitter Leaf, Water Leaf, Okazi, Utazi, Uziza), Okra (fresh and dried), Fish (smoked), Crayfish, Prawns (dried), Mushrooms, Cauliflowers, Asparagus, Carrots, Beans (White and Brown), Kola Nuts, Bitter Kola, Coconut, etc. You can get support, information and a comprehensive exportable items list from the Nigerian Export Promotion Council in your state.

Can I do this Business?
Are you interested and passionate about food? Are you conversant with foodstuffs quality, processing and preservation? Can you relate with those jaw cracking botanical names? Are you knowledgeable about export requirements? Do you know where to get the best quality foodstuffs cheaply and in large quantities? You don't mind roaming the countryside in search of products? Are you computer literate and not shy of a little arithmetic? Then this business is for you!

How do I Get Started?
An interesting way to shorten your learning curve is to start and run your own foodstuffs shop (wholesale or retail) to acquaint yourself with the business. This will also serve as warehousing for your export business; and shock absorber in case of negative changes in commodity prices and exchange rate fluctuations. In addition:

  1. Join appropriate unions and attend seminars to learn more.
  2. Search the web for more information.
  3. Register your business, or join a registered cooperative society.
  4. Understand Pro-forma Invoice, Letter of Credit, Certificate of Incorporation, NXP forms, NEPC Registration, Sanitary and Phyto-Sanitary (SPS) requirements, and when and where each is needed. A visit to the Nigerian Export Promotion Council in your state is a must.
  5. Choose your export status, export products and export market (country).
  6. Contact prospective buyers or their agents.
  7. Process and package (labelling, product description, contents, nutritional facts, caloric value, expiry date, etc.) your products to required/agreed standards.
  8. Ship your products to agreed destinations or receivers.

 Success Tips
Knowledge: Understand the food export industry and how it operates.

Standards: Your sourcing, processing, storage and packaging must meets required standards, to avoid your products being rejected and shipped back.
Packaging: Invest on quality packaging and consumer information. These go a long way to ensure that your export products are well received.
Integrity: Avoid any form of fraud or malpractice; otherwise you won't last long in this business.

Many superstores and groceries in the United States and Europe eagerly await high quality food supplies from Nigeria. Nigerian Food Export Business is a great opportunity for massive profits. If you got the capital, what are you waiting for?

Related: Nigerian Fashion Export Business

Stay Smart, Wealthy and Wise!

© Jay Onwukwe

Share your thoughts! Use the comments box below. 

Monday, 01 October 2018 13:56

1st. Aba Investment Summit 2018

The Abia State Government in partnership with the Aba Chamber of Commerce, Industry, Mines and Agriculture (ACCIMA), and the Abia Think Tank Association has packaged a 3-Day Investment Summit to boost the Abia State Government's push towards returning the Enyimba City to its top position as the investment destination of choice, south of the Niger.

The Investment Summit which holds from 25 – 27 October 2018, at the prestigious Hotel Du Golf, Aba, will have in attendance top government policy makers, social, economic and technical experts, investors, entrepreneurs and financiers, to brainstorm on the business opportunities and investment potentials in Aba.

For details please contact Sam Hart on 0817 777 1306; Henry on 0803 675 8278 or email This email address is being protected from spambots. You need JavaScript enabled to view it.

Secure Your SEAT

See the FULL Program of Events


Abia State Government led by the Governor

National Assembly Members representing the Aba Metropolitan Area

Abia State House of Assembly led by the Speaker

Aba Chamber of Commerce, Industries, Mines and Agriculture

Abia Think Tank Association

CEOs of Big Industries in Aba

Ambassadors and Economic Attaches of Foreign Embassies in Nigeria

Heads of Development Partner Organisations in Nigeria

Heads of International Development-Oriented Non-Governmental Organisations

Chief Executive Officers of Financial Institutions

Professional Bodies & Experts in the Investment Value-Chain

Aba Industrial Development Catalysts (Leather & Garment Union Leaders, Artisans, etc)

Aba Residents Association

Aba Landlords Association

Heads of Tertiary Institutions in Aba

Religious Leaders in Aba

Heads of Government Agencies in Aba

Youth Groups

Market Union Executives

Transport Union Executives

Aba Metropolitan Local Government Chairmen

Traditional Rulers


Total expected participants - 500 Guests

See the FULL Program of Events

© Jay Onwukwe

Aba BUSINESS Pages was there!

Surveyor Jay Onwukwe explains the benefits of Aba BUSINESS Pages ( to Gov. Okezie Ikpeazu of Abia State, at the just concluded First Aba INVESTMENT Summit that held at Golf Hotels Aba; as his entourage watches with rapt attention.

Your thoughts, Questions? Use the comments box below:

Saturday, 29 September 2018 21:14

Recover Your Stolen Phone – in 5 Easy Steps!

If ever lost or stolen, there is a way you can trace and recover your lost or stolen phone or mobile device, even before reporting to the Police. If you can act on this information right away, then you should never be afraid of loosing your handset or mobile device.

Just remember that your phone or mobile device has a unique International Mobile Equipment Identity (IMEI), which can be used to track it to wherever it is on planet earth. So you need to access and secure your phone's IMEA as soon as you unpack it; not when it gets lost!

This is how to go about it:

  1. To know your IMEI Number, simply dial *#06# from your mobile device.
  2. When you do this, your mobile phone shows a screen with a unique 15 digit code.
  3. Write down, Copy and Save this number to a secure media. Storing this number to a file on your mobile device is useless in case of loss of your phone or mobile device; because this is the number you will need to help you trace your phone or mobile device, in case of loss or theft.
  4. If your handset is lost or stolen, just email your 15 digit IMEI Number to This email address is being protected from spambots. You need JavaScript enabled to view it. with the following details:

Your Name:

Your Address:

Your Phone model:

Your Phone Make:

Your Last used Number.:

Your eMail for contact:

Missed Date:

Your IMEI No :


With the above information, your mobile device can be traced within 24 hours using a combined system of GPRS and Internet technology. A GPS (Global Positioning System) and Internet enabled phone will give faster and more accurate tracking. You'll be able to know where your handset is being operated from, and the new user's phone number will be sent to the email address you provided.

  1. You may then wish to lodge a formal complaint with the Police about your missing phone or mobile device, providing all the information now at your disposal. This will help the Police swing into effective and targeted action.


© Jay Onwukwe

Why is the world turning its attention towards African clothing, fashion and design? Simply because traditional African designs are unique, colourful, elegant, charming, sexy, easy and comfortable.

Nigeria is the most populous nation of Africa. The world is fascinated by Africa, its people, and culture. African fashion and design reflects African cultural and traditional values; and this singular influence largely creates the freshness, uniqueness and authenticity that make African attire attractive.

African costumes are in high demand worldwide - from big international retail outlets and fashion houses, to individual Africans in the Diaspora, the numbers are growing.

The African Growth and Opportunity Act (AGOA) offers duty-free access to USA markets for some sub-Saharan African countries, Nigeria inclusive. 

You can do this Business if:
You are imaginative and creative.

You have eyes for details and quality.
You are fashion conscious.
You love quality, style and elegance.
You have computer and graphics design skills.
You are ready to learn export documentations.
If your answer to all the above is 'Yes', then feel free to jump in, or simply help others with your skills and earn some cash!

Your Start-up Options

Nigerian Fashion export business involves selling high quality authentic Nigerian clothing, attires and costumes to foreign countries, especially Europe and USA. Just decide where to pitch your tent on this Clothing Business chain. Below are your options:

If you don't have the required capital, you can simply start by becoming a link between the garment makers and foreign buyers.

If you have what it takes, you can start by creating an online shop, display your products, market your brand, look for buyers and fulfil their orders.

If you have the financial muscles, you can source for quality fabrics, design, sow, package, warehouse and ship to your export partners.

You'll need to:

  1. Have a business plan or blueprint
  2. Do market research/analysis to choose your market/products
  3. Find an exciting, stylish, and memorable brand NAME for your products line
  4. Create your brand's logo or symbol
  5. Register your business name, brand and logo
  6. Setup your office (or work from home)
  7. Connect with foreign buyers or their agents
  8. Connect with a shipping agent (or do it yourself).

Success Tips

  1. Determine what products and countries you want to deal with
  2. Create high quality products with perfect finishing
  3. Do not economise on quality packaging
  4. Understand export business procedure and documentation
  5. Setup a website to showcase your products and connect with buyers
  6. Create a catalogue and price list for your products
  7. Network with other producers and fashion geeks
  8. Regularly attend Fashion Shows and Events
  9. Use social media platforms to gain publicity mileage
  10. Liaise with Export Promotion Council in your state.

What You Can Export

Ready-made Garments: 
Shirts, Trousers, Children's wears, Safari suits, Safari coats, Adire batiks wears, Ankara wears, Beach wears, etc.

Textile Products: 
African Print (cotton super print), Cotton real wax, Cotton sheets, Bedspreads and Sheets, Mosquito nets, Table covers, Napkins, Pillow cases, Linens, etc.

Manufactured Products:
Cotton thread, Cotton bags and Towels, Textile fabrics, Cotton grey cloth, tapestry cloth, Cotton yarn, Absorbent cotton wool, etc.

Footwear and Leather Products:
 Leather sandals, Leather slippers, Canvas shoes, Leathers folders, Leather bags, Men and Ladies Shoes, Children shoes, Shoe soles, Belts, etc.

Canvas Products:
Canvas tents, Tarpaulins, Carpets and Rugs, School bags, Canvas shoes, etc.  


The world is fascinated by African culture and costumes. There is a steadily growing demand for African fashion products and designs worldwide. Nigerian Fashion and Clothing Export Business is a sure route to wealth. What are you waiting for? Start your Nigerian Fashion Export Business today!

Related: Nigerian FOOD Export Business 

Stay Smart, Wealthy and Wise!

© Jay Onwukwe

Monday, 17 September 2018 20:36

Wanted! Creative Solutions to African Problems

We live in the information and technology age. Today, with the internet, you can access whatever knowledge or information you need from the comfort of your home, office or on the go.

Technology solves problems and makes life easy for humanity. How much of these great innovations come from Africa, by Africans and for Africans? Or are we just voluptuous consumers?

Africa is peculiar. Africans have peculiar needs. Africans are thus best placed to solve African problems because they know Africa and its peculiarities, environment, people and needs. Does it not bother you that:

Africa has lots of natural resources yet her people are poor? 
Africa has lots of sunshine but little solar powered electricity supply? 
Africa has many rivers and water bodies yet portable water is a luxury? 
Africa has fertile soils and suitable climate, yet famine and starvation ravage her children?
Africa grows a lot of natural foods but much of it goes to waste for lack of proper storage? 
Africa has the population (potential markets) yet many African countries manufacture nothing and import everything? 

Oh Africa, my Africa! Wake up! Problems are known to be the genesis of many a great Business or Enterprise. We should not run away from them!

Governments, politicians, scientists, investors and business men in Afrika owe us a duty to come up with innovative ideas, products and technologies to alleviate and reverse the perennial problems and suffering in Africa. That way, they add Value to the people, create employment and boost stake-holders bottom-line.  A desirable and win - win outcome. Africa must arise!


© Jay Onwukwe

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Aba BUSINESS Pages is your 'goto' information hub, Directory and Listings of Companies, Businesses, Markets, Products, Events and Services.

Robust, reliable and up to date, nwabaNG is the 'info-hub' of choice for Corporate Organisations, Businesses, Manufacturers, Merchants, Clusters, Professionals, Investors, Buyers, Sellers, Shop Owners, Artisans, Advertisers, and all who do or want to do business in the Industrial cum Commercial City of Aba - the Enyimba City, and its environs. 

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