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NCRIB: ‘80% of Policyholders Complaining about Insurance Didn’t Patronise Brokers’

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L-R: Mr. Atanda Olatokunbo, Controller, Internal Audit & Compliance, Nigerian Council of Registered Insurance Brokers (NCRIB); Falade Adedayo, Assistant Executive; Mr. Tope Adaramola, Executive Secretary/CEO and Mr. Dele Ayeleso, Corporate Communications Manager when members of the Insurance & Pension Editors of Nigeria (IPEN) paid a courtesy call on the leadership of NCRIB in Lagos yesterday.

Mr. Tope Adaramola, Executive Secretary/CEO, Nigerian Council of Registered Insurance Brokers (NCRIB) says more than 80 percent of policyholders that complain about insurance did not patronise registered insurance brokers during the process of procuring insurance cover.

Adaramola made the disclosure when members of the Insurance & Pension Editors of Nigeria (IPEN) visited the Council on courtesy visit in Lagos yesterday.

The NCRIB CEO said: “More than 80 percent of complaints of non-payment of claims, inappropriate treatment of the insured by insurance firms usually come from those that did not patronise registered insurance brokers during the contract process. Brokers are technical intermediaries that guide the insured in the insurance contract process to enable policyholders enjoy maximum value from their insurance policies.”

Adaramola added that brokers are more permanent in terms of reach and visibility that insurance marketers that could leave or change employment at any time without notice, leaving policyholders vulnerable and stranded. He said that brokers have achieved better branding than before.

“The media should help brokers to inform the general public on the importance of registered insurance brokers in the insurance value chain. The advancement of the insurance industry is inextricably tied to the advancement of the media industry.”

He commended members of IPEN for taking the step to achieve better penetration for the insurance industry in Nigeria. He also praised them for their individual and collective contribution to the NCRIB and the insurance sector in Nigeria over the years.

“We appreciate your focus on professionalism, discipline and ethics. Discipline is the hallmark of institutions that desires to achieve greatness. Discipline will stand you out from other Associations. Life is about competition. Be the driver of that competition.”

 

 

IWD2023: Unity Bank Unveils Women Network to Promote Advocacy for Gender Equity

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As part of initiatives to mark International Women’s Day, IWD 2023, Nigerian lender, Unity Bank Plc has announced the launch of Unity Bank Women Network to foster greater inclusion, equity, and opportunities designed to promote gender empowerment.

While announcing the commencement of the initiative in Lagos, the Managing Director of Unity Bank Plc, Mrs. Tomi Somefun said, as women, “we must also do our part to create a more equitable society that empowers women, drives them to do more, entrust them with responsibilities, and celebrate their achievements every step of the way”.

Unity Bank Women’s Network is conceptualised as a gender advocacy platform to enable the Bank to target and champion initiatives to promote networking and relationships beginning with females within the institution, providing mentorship opportunities and advocacy on social and other relevant issues such as gender equality, parenting, financial education, and leadership.

While naming the Bank’s Chief Compliance Officer, Mrs. Patricia Ahunanya as the Co-ordinator of the Women Network, Somefun added: “I believe this Network will promote more visibility, inclusion, and collaboration amongst women within our organisation”.

Speaking further on this year’s IWD theme, #EmbraceEquity, Somefun said the day provides another opportunity to reflect on the ongoing advocacy for gender equality, adding, “as women, we must always take the time to think about the role we play in creating a sustainable future through our contribution to the success of our organisations, homes, businesses, and the entire society, and evaluate our level of impact and influence”.

She, therefore, pledged that as an institution, “Unity Bank will continue to create an enabling and equitable environment that focuses on empowering its female workforce by creating an atmosphere in which women can thrive irrespective of culture, background, and education.”

While speaking on the launch of the Unity Bank Women Network, Mrs. Patricia said that after creating impact with many collaborative initiatives to empower women, it is very significant that the Bank is at last domesticating a viable project initiative to further co-create and drive impact.

To demonstrate commitment to gender inclusion, Unity Bank is one of the financial institutions in Nigeria that has up to three female representatives on its Board and has over the years celebrated the IWD with socially impactful initiatives aimed at empowering women and creating an enabling environment for the female gender to thrive.

In the 2022 edition, the Bank collaborated with ALTSchool Africa to empower female software engineers, a strategic initiative aimed at empowering the female gender to participate actively in the burgeoning technology sector.

In a similar vein, the Bank also partnered with the National Association of Small and Medium Enterprises, NASME to roll out an engagement programme for women entrepreneurs in commemoration of the IWD in March 2022.

Brokers Target Generation of 90% Premium in Insurance Sector

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L-R: Mr. Atanda Olatokunbo, Controller, Internal Audit & Compliance, Nigerian Council of Registered Insurance Brokers (NCRIB); Falade Adedayo, Assistant Executive; Mr. Tope Adaramola, Executive Secretary/CEO and Mr. Dele Ayeleso, Corporate Communications Manager when members of the Insurance & Pension Editors of Nigeria (IPEN) paid a courtesy call on the leadership of NCRIB in Lagos yesterday.

The Nigerian Council of Registered Insurance Brokers (NCRIB) says the future target of brokers is to generate as much as 90 percent of premium income in the Nigerian insurance industry from the current level of 60 percent.

The Nigerian Insurers Association (NIA) said earlier that insurance brokers facilitated 60 percent of businesses in the insurance sector in the 2022 financial year.

Mr. Tope Adaramola, Executive Secretary/CEO of the NCRIB said in Lagos yesterday during a courtesy visit on the Council by members of the Insurance & Pension Editors of Nigeria (IPEN) that though brokers have been active intermediaries in the insurance value chain over the years, the brokerage fraternity intends to further increase its contribution in terms of revenue generation in the sector to 90 per cent.

Urging individuals and corporates to channel their risk underwriting through registered brokers who would properly advise policyholders on the right cover for their risks, he added that registered brokers are in a better position to interpret the terms and conditions of insurance policies to policyholders to know ahead of time what their insurance policies covers and likely exemptions.

He promised that brokers will not relent in their efforts to increase its stake in the growth of the industry through its awareness programmes across the six geo-political zones of the country in a bid to enhance insurance penetration, adoption and acceptance in the country.

He pledged the Council’s support to the programmes of IPEN, believing that the industry needs more players in the area of advocacy to increase acceptance and contribution of insurance to the nation’s Gross Domestic Product (GDP).

“I have listened to your President reeling out the lofty plans of the Group to increase insurance and pension penetration through developmental journalism and I must confess, they were all new and laudable initiatives that, when well implemented, will turn around the fortunes of the insurance industry.”

He said the goal of the new association and that of the Council are in agreement in the area of advocacy, urging IPEN to see NCRIB as a partner in progress and should not hesitate to call upon the Council when the need arises.

Insurance & Pension Editors of Nigeria Visits NCRIB

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Stanbic IBTC Bank Named by PenCom for Funding of RSA-Backed Mortgage

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Stanbic IBTC Bank, a subsidiary of Stanbic IBTC Holdings, has been named as one of the banks to process Retirement Savings Account (RSA) backed mortgages by the National Pension Commission (PenCom).

The RSA Backed mortgage initiative of the Pension Commission allows contributors to use up to 25% of their contribution as equity to purchase a home in their chosen area. This is barely two years after the commission launched the transfer window initiative.

In seeking opportunities to help contributors get more value from their contribution ahead of their retirement, the commission has partnered with Financial Institutions such as Stanbic IBTC Bank to make funds available to verified contributors to buy homes while using part of their RSA balance as equity contribution.

Stanbic IBTC has reaffirmed its commitment to the growth of Nigeria’s real estate sector in alleviating the housing challenge in the urban and sub-urban regions of the country; with the commencement of the validation process for RSA holders who have shown interest in the home loan.

Speaking on the collaboration, Olu Delano, Head, Consumer, and High Networth Clients, Stanbic IBTC Bank, stated that this opportunity aligns with the bank’s strategic focus of enabling all Nigerians to Live a Better Life and making dreams possible for clients. In this case, the vision is accomplished by providing affordable loan solutions to meet housing needs and supporting pension contributors in extracting value from their contributions before retirement.

He said: “Housing is one of the basic human needs, and in Nigeria, home ownership is a real challenge for many individuals and families. Therefore, Stanbic IBTC is supporting PenCom to help bridge the accessibility gap.”

“We want to provide affordable loan solutions for our customers and Nigerians to meet their basic and business needs, one of which is housing for residential and business use”, he added.

Stanbic IBTC remains laser-focused on delivering value to its numerous customers, and the RSA Backed mortgage is just one of the ways the organisation is living up to its commitment.

Social Good: Sanlam Nigeria Donates to Special Needs Organisations

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L-R: Bode Opadokun, Managing Director/Chief Executive Officer, Sanlam General Insurance Nigeria Limited; Chidi Nwankwo, National Co-ordinator, Association for Handicapped Persons Welfare; and Tunde Mimiko, Managing Director/Chief Executive Officer, Sanlam Life Insurance Nigeria Limited, at the cheque presentation to support the Association of Handicapped Person’s Welfare borehole construction project and infrastructures for the welfare of members living with disability.

In line with its Corporate Social Responsibility exertions, Sanlam Nigeria, formerly known as FBN Insurance Limited and FBN General Insurance Limited recently donated cash to support various activities of the Association for Handicapped Person’s Welfare and the Down Syndrome Foundation Nigeria.

While receiving officers of the non-governmental organisation at the Head Office of Sanlam Life, the Managing Director/Chief Executive Officer of Sanlam Life Insurance Nigeria Limited, Tunde Mimiko, acknowledged the good work that is being done by both organisations while reiterating the continued support of Sanlam Nigeria.

“We appreciate the good work you are doing to support and care for those with special needs, so we are also extending our show of love in appreciation. We promise to continue in this light,” Mimiko said. “As a brand whose overall drive is to help her stakeholders live with confidence, we understand the challenge associated with special needs people, and commit to always be that brand that stands by them, boosting their confidence and helping them lead a fulfilling life,” he concluded.

The National Coordinator of the Association for Handicapped Person’s Welfare, Chidi Nwankwo, speaking on behalf of both NGOs, expressed his profound gratitude to the insurer for its show of love and kind support to the people living with disability. “We appreciate Sanlam Nigeria for always standing by us and attending to our needs whenever they arise. “We pray that the Almighty God will reward your labour of love,” Nwankwo enthused.

In his reaction, the Managing Director/Chief Executive Officer of Sanlam General Insurance Nigeria Limited, Bode Opadokun, also appreciated the members of staff of the Association and Foundation for going extra miles for mankind. “We appreciate your commitments. Please keep it up,” Opadokun charged.

Recall that Sanlam Nigeria rebranded from FBN Insurance Limited and FBN General Insurance Limited in September 2022, following the divestiture of FBN Holdings’ 65% stake in June 2020, making Sanlam Nigeria fully owned by the Sanlam Group, SA.

Sanlam is a pan-African brand with a rich history and heritage founded in 1918 as a life insurance company.

The brand has grown to become Africa’s largest non-banking financial services group, with a strong presence in 33 countries on the African continent, and a niche presence in India, Malaysia, the United Kingdom and Australia. Indeed, Sanlam operates in 8 out of the 10 largest economies in Africa, with over 154,000 employees globally, delivering superior value to customers, shareholders and the broader society.

 

International Women’s Day 2023: ‘STI Believes in a World of Equality’

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As the world gets set to celebrate the International Women’s Day on March 8, 2023, the Managing Director and Chief Executive Officer of Sovereign Trust Insurance Plc, Mr. Olaotan Soyinka has said that the Underwriting Firm is an equal gender organisation that gives vent to the aspiration and ambition of members of staff irrespective of the gender, tribe, or religious affiliation.

He equally stated that premium is placed on meritocracy and good professional conduct from all and sundry in the organisation.

In his goodwill address to the Female Employees of the organization at a special session organized for them in commemoration of the global event, Soyinka seized the moment to appreciate and honour them accordingly.

In his words: “As we celebrate all our women the world over on March 8, 2023, I want to particularly express my profound support and appreciation to our great women in Sovereign Trust Insurance Plc for your doggedness and dedication to duty. You have always proven that you are all women of grit and compassion and it has been very exciting working with you all. As you are all aware, our organisation is an equal gender-based one driven by professionalism, dedication, and commitment to good corporate governance ethics. An attestation to this fact is seen in the composition of the Management structure of the organisation as quite a number of women are in top management positions within the organisation.”

The Executive Director, Marketing and Business Development, Ugochi Odemelam, who is also a pioneer staff of the Underwriting Firm rose through the ranks over the years and today, she is equally a member of the Board of Directors of the company and a member of the Executive Management team respectively. She has this to say:

“I could not have asked for more. 27 years ago, when I joined the organisation as a fresh graduate with little or no experience in the insurance industry, I was what anyone would literarily describe as a rookie but today, with the right tutelage and guidance, I have become what you will describe as a weather-beaten and experienced insurance practitioner operating at the top echelon of the organisation and the industry as a whole.”

According to her, the climb to the ladder has not been fortuitous, but rather, it has been that of hard work, dedication to duty and commitment with support from every member of staff irrespective of the gender as the organisation gives equal opportunity to everyone who is ready to do the work diligently without playing to the gallery.

She equally thanked the Management for giving a lot of other women in the system high profile responsibilities across the company’s operations.

Amongst such high-ranking officers in the organisation are Angela Uche-Onochi,e an Assistant General Manager and a pioneer staff who heads the Eastern Operations of Sovereign Trust Insurance Plc, Bisola Asaju, an Assistant General Manager as well as the Head of General Internal Services under the Finance and Corporate Services Division of the organisation.

One of such amazons is Victoria Eze who heads one of the sales teams in the Head Office in the capacity of an Assistant General Manager as well.

As all attention will be focused on women all over the world on Wednesday, March 8, 2023, Sovereign Trust Insurance Plc is wishing all the women a hearty International Women’s Day celebration as they choose to #embrace Equality in a world of innovation driven by technology.

 

IPEN Unveils Identity, to Deepen Insurance, Pension Penetration in Nigeria

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A new group of insurance and pension journalists, the Insurance and Pension Editors of Nigeria (IPEN) has unveiled its identity with a firm promise to deepen insurance and pension penetration in Nigeria through professional and comprehensive reporting and coverage of the two sectors.

IPEN, whose mandate is to partner stakeholders to ensure they fulfil their commitment to policyholders and retirees as enshrined in the laws that established them, said: “We are committed towards the realisation of the insurance industry’s expanded penetration of insurance business in Nigeria and also to ensure comfortable retirement for retirees through the new pension scheme.”

Reacting to the development, Mr. Chuks Udo Okonta, the Chairman of IPEN noted that the Group has Professionalism, Discipline and Enterprise as its guiding principles, stressing that IPEN is ready to collaborate with industry stakeholders (regulators and operators) in both the insurance and pension sectors to achieve the corporate objectives of the two markets.

Stressing that the current members have been reporting the two sectors for more three decades or more, Okonta maintained that IPEN will drill its members to ensure they produce qualitative write-ups that addresses the challenges of both sectors as well as proffer solutions.

“We shall continuously, as individuals and as a Group, add value to the brand image and reputation of both regulators and operators in the two sectors,” he pointed out. “We shall equally provide seamless editorial coverage of their corporate activities in terms of policy implementation and corporate goals respectively. We look forward to robust partnership with regulators and operators in the insurance and pension sectors of the Nigerian economy going forward.”

The current members of IPEN include:

  • Chuks Okonta: InspenOnline
  • Omobola Tolu-Kusimo: The Nation Newspaper
  • Zaka Khaliq: Leadership Newspaper
  • Ngozi Onyeakusi: SuperNews Online  
  • Prince Cookey: Business Journal
  • Bisi Bamishe: Bislad News Online

 

Ethics and Practice in Media Monitoring and Intelligence

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By: Philip Odiakose

Media monitoring and intelligence have become increasingly important in the digital age. With the vast amount of information available online, media monitoring provides businesses, organisations, and individuals with valuable insights into clients’ media mentions, public opinion, industry trends, competitive media share, media sentiment and emerging issues.

However, as the use of media monitoring and intelligence continues to grow, so do the ethical concerns surrounding their use.

In this article, I will explore the ethics and practice of media monitoring and intelligence, including the potential risks and benefits, as well as the best practices for using them responsibly.

Benefits of Media Monitoring and Intelligence

Media monitoring and intelligence can provide a range of benefits, including:

  1. Near Real-time insights: Media monitoring allows businesses and organizations to track their brand reputation and public perception in near real-time. By monitoring news articles, social media posts, and other online content, they can quickly identify any negative comments or issues and take action to address them before they escalate.
  2. Competitive intelligence: Media monitoring can also provide valuable insights into competitor activity, helping businesses and organisations stay ahead of industry trends and identify potential threats or opportunities.
  3. Industry trends: By monitoring industry-specific news and social media, businesses and organizations can stay up-to-date on emerging trends, allowing them to adapt their strategies and remain competitive.
  4. Crisis management: In the event of a crisis, media monitoring can help businesses and organizations track public sentiment and respond quickly and effectively.

 

Risks and Ethical Concerns

While media monitoring and intelligence can provide valuable insights, they also raise a number of ethical concerns, including:

  1. Privacy: Media monitoring often collects personal information, such as social media posts, location data, and online activity. This raises questions around consent and privacy, particularly in cases where the information is being collected without the knowledge or consent of the individual.
  2. Accuracy: Media monitoring relies on algorithms and machine learning to analyze large volumes of data. While these can provide valuable insights, there is always a risk of errors or biases in the data analysis.
  3. Misuse: Media monitoring can be used for malicious purposes, such as tracking the activities of individuals or groups without their knowledge or consent.
  4. Unintended Consequences: Media monitoring and intelligence can have unintended consequences. For example, monitoring the online activity of employees can create a culture of distrust, negatively impacting morale and productivity.

 

Best Practices for Ethical Media Monitoring and Intelligence

To mitigate these risks, it is important to follow best practices for ethical media monitoring and intelligence:

  1. Transparency: Media Monitoring Consultants should be transparent about the use of media monitoring tools and the data collected. This includes providing clear information about what data is being collected, how it is being used, and who has access to it.
  2. Consent: Media Monitoring consultants should sign an SLA with clients before collecting and using their data. This includes obtaining explicit consent for sensitive data, such as location data or social media posts.
  3. Accuracy: Media Monitoring Consultants should ensure that media monitoring tools are supported by humans to ensure accurate and reliable data. This includes regular human testing and reviewing the algorithms used.
  4. Purpose: Media Monitoring Consultants should ensure that media monitoring tools are used for legitimate purposes, such as media performance audit, media intelligence, media research, crisis management, or competitive analysis.
  5. Security: Media Monitoring Consultants should take measures to ensure the security of the data collected, including using encryption and other security measures to protect sensitive information.

 

In conclusion, Media monitoring and intelligence provide valuable insights into clients’ media mentions, public opinion, industry trends, competitive media share, media sentiment and emerging issues. However, the use of media data raises ethical concerns around privacy, accuracy, and unintended consequences.

To ensure the responsible and ethical use of client’s media data, media monitoring and intelligence consultants should follow best practices around transparency, consent, accuracy, purpose, and security. By doing so, they can harness the power of media monitoring and intelligence while minimizing the risks and protecting the rights of clients in their custody.

 

Philip Odiakose is the Chief Insights Consultant at P+ Measurement Services, a Media Intelligence Consultancy in Lagos State, Nigeria.

CBN: Anchor Borrowers’ Programme Loan Repayment Tops 52.39% in Feb 2023

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The Central Bank of Nigeria (CBN) says it remains committed to its developmental mandate of stimulating access to finance for the real sector, disclosing that total repayments as of the end of February 2023 under the Anchor Borrowers’ Programme (ABP) stood at N0.503 trillion, representing 52.39 per cent, adding that the balance of N0.119 trillion was not due for repayment.

The Acting Director, Corporate Communications Department, Dr. AbdulMumin Isa, disclosed this in Abuja over the weekend while exchanging views with journalists on the performance of the ABP, revealing that the Bank had released the sum of N1.079 trillion, as of February 28, 2023, of which N0.960 trillion was due for repayment.

According to him, the CBN ABP had supported about 4.57 million smallholder farmers at end-February, 2023, who cultivated over 6.02 million hectares of 21 commodities across the country. He listed the commodities as rice, wheat, cowpea, millet, maize, cotton, fish, soya bean, poultry, cassava, groundnut, ginger, sorghum, oil palm, cocoa, sesame, tomato, castor seed, yellow pepper, onions, and cattle/dairy.

Citing statistics from the Food and Agriculture Organisation (FOA), Dr. Isa noted that the ABP had contributed significantly to the increased national output of focal commodities, with maize and rice peaking at 12.2 and 9.0 million metric tonnes in 2021 and 2022, respectively. He said the programme had also helped to improve the national average yield per hectare of these commodities, with productivity per hectare almost doubling within the eight years of the Programme’s implementation.

While further noting that repayments under the ABP are made through cash or produce by the beneficiaries, the Acting Spokesperson of the CBN stressed that the outstanding due balance on loans was still under moratorium due to the COVID-19 forbearance granted to beneficiaries of the Bank’s interventions in March 2020 and extended to February 28, 2022.

“It is pertinent to note that the tenor of loans under the ABP is based on the commodity gestation period. For instance, loans granted to farmers cultivating some perennial crops could have up to seven-year tenor,” he explained.

Dr. Isa emphasised that the Bank’s interventions, with the core objective of catalysing the economy’s productive base, have continued to support investments in capital assets in sectors with high-growth and employment-elastic potential.

“The Central Bank of Nigeria remains committed to its developmental mandate of stimulating access to finance for the real sector, particularly agriculture, as it continues to support the Federal Government’s drive for food security and economic growth. Accordingly, the Central Bank of Nigeria continues to welcome applications from eligible Nigerian farmers and firms under the Anchor Borrowers’ Programme,” he added.

NISS Seeks Collaboration with NCC to Improve National Security

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National Institute of Security Studies (NISS) has engaged the Nigerian Communications Commission (NCC) to advance strategic collaboration that would enhance the application of Information and Communication Technology (ICTs) towards improving national security.

Speaking during a visit to the Executive Vice Chairman of the Commission, Prof. Umar Garba Danbatta at the NCC’s Head Office in Abuja recently, the Institute’s Director, Research Estimates and Library Services, Dr. Adegboyega Karim, said the visit was on a fact-finding mission to enrich ongoing research that focuses on globalization and regional integration for sustainable development in Africa.

Karim led to the Commission a team delegation of Executive Intelligence Management Course Sixteen Participants (EIM16), a study group with representations from various security agencies under the auspices of NISS, typically senior officers in security agencies, including the military, police, intelligence services, and other relevant agencies.

He noted that the Commission has made giant strides advancing the course of digital economy development in Nigeria, and that its regulatory processes provide a good opportunity for the collaboration to enable the group to research further into matters regarding telecommunications and national security.

Director, Special Duties of the Commission, Dr. Ikechukwu Adinde, who received the team on behalf of Danbatta, affirmed the readiness of the Commission to collaborate with the Institute, and, indeed, any private and public institution that is focused on national development.

Reiterating on the advancements made in ICTs, Adinde said it is within this context that the Commission continued to promote the deployment of robust digital infrastructure capable of supporting and improving the security of lives and property.

“As a way of consolidating on the tremendous successes that had been recorded in the telecoms industry through effective regulatory regime emplaced by the Commission, the Federal Government has formulated a number of policies such as the Nigerian National Broadband Plan (NNBP) and the National Digital Economy Policy and Strategy (NDEPS), among others, which serve as a compass for our efforts at building a resilient digital economy that supports security,” he said.

Adinde enlightened the visiting delegation on NCC’s efforts towards ensuring adequate protection for telecoms facilities, across the nooks and crannies of the country where it is treated as Critical National Infrastructure (CNI), the building of Emergency Communications Centres (ECCs) across states and Federal Capital Territory (FCT) as well as series of collaborations with relevant agencies to ensure effective connectivity to individuals and institutions.

Interswitch Named Best Employer Brand at LinkedIn Talent Awards

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Africa’s leading integrated payments and digital commerce company, Interswitch has been named the Best Employer Brand – Sub-Saharan Africa at the LinkedIn Talent Awards.

The prestigious award was announced at the LinkedIn Talent Awards ceremony which held at the Microsoft offices in Johannesburg, South Africa on Thursday, March 2, 2023.

The LinkedIn Talent Awards recognises companies around the world that are leading the future of work through innovation, creating inclusive workplaces, building strong employer brands and actively engaging talent communities on platforms like LinkedIn.

Interswitch was adjudged to have met all the criteria and emerged as the winner of award for its outstanding efforts to attract and retain top talent, as well as its commitment to creating a positive work culture and supporting employees’ professional development.

Commenting on the award, Franklin Ali, Chief Human Resources Officer, Interswitch Nigeria, said the company is delighted to be recognised for its talent management efforts, and remains committed to sustaining a positive work environment that promotes innovation, creativity, and collaboration.

He said: “We are thrilled to be named the Best Employer Brand in Sub-Saharan Africa by LinkedIn. It is fulfilling to be able to do what we do every day here at Interswitch; for and with our employees, customers, partners and indeed our thriving community of almost 300,000 individuals on LinkedIn.  We have been empowered to showcase our brand, culture, and ethos to the wider world outside Interswitch, as part of our quest to keep inspiring Africa to greatness.”

Interswitch has established itself as a leading employer in the African digital payments and commerce industry, with a reputation for attracting and retaining top talent. The company offers a range of employee benefits and initiatives, including hybrid working arrangements, spousal allowances, child education support, and opportunities for career advancement.

The recent LinkedIn Talent Award adds to the growing list of accolades received by Interswitch over the years. In 2019, the company also received the Rising Star Award at the LinkedIn Awards.

Last year, it also emerged as one of Nigeria’s top five leading companies in Diversity, Equity, and Inclusion (DEI) according to a report by advisory consulting firm, Hofstede Insights.

These awards are a testament to Interswitch’s commitment to building a strong employer brand and providing an exceptional employee experience.

Interswitch offers a range of innovative products and services to support businesses and individuals in making seamless and secure digital transactions. With a strong focus on innovation, collaboration, and customer service, Interswitch has become a trusted partner to individuals and businesses across Africa and beyond.

 

 

 

COVID travel restrictions eased globally

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Fames odio vehicula et in congue ac sem varius suspendisse rutrum eu, blandit etiam curae sociosqu elementum morbi sodales libero habitant sed. Sodales pellentesque vel ridiculus sollicitudin masysa arcu himenaeos, habitant dapibus praesent laoreet risus ultrices vivamus, lacus eleifend dis tristique odio purus. Gravida imperdiet magnis ultricies accumsan placerat nam sapien dio molestie musad haces consequat sem vitae at cum enim sodales tempor nibh augue est aliquet egestas velit mauris.

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caption_title_color=”hsla(var(–awb-color1-h),var(–awb-color1-s),var(–awb-color1-l),calc(var(–awb-color1-a) – 100%))” caption_overlay_color=”hsla(var(–awb-color8-h),var(–awb-color8-s),var(–awb-color8-l),calc(var(–awb-color8-a) – 50%))”]https://www.businessjournalng.com/wp-content/uploads/2023/03/post-image-4.jpg[/fusion_imageframe][/fusion_builder_column_inner][/fusion_builder_row_inner][fusion_text animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” margin_top=”20px” margin_bottom=”50px”]In gravida dapibus sed semper blandit aenean ante pellent esque eges tas aliquam ut mus porta ultricies magnis himenaeos, diam name elementum convallis leo urna fermentum suspendisse tempor senectus pretium risus faucibus sodales. Eros velit magnis nidu laoreet tempor phasellus cubilia sapien pretium commodo, nullam ornare purus fames lacus aliquam sodales maecenas rutrum dis montes sociis faucibus ante cum ultricies senectus in. Suspendisse dis duis lacinia vivamus praesent sodales.

Viverra mollis dictum eu phasellus magnis interdum porta natoque mus montes. Velit sociis laoreet suscipit sed rhoncus auctor etiam feugiat metus justo senectus integer quis parturient purus conubia maecenas platea consequat vitae donec pharetra.[/fusion_text][fusion_builder_row_inner][fusion_builder_column_inner type=”10.00″ type=”10.00″ align_self=”auto” content_layout=”column” align_content=”flex-start” valign_content=”flex-start” content_wrap=”wrap” center_content=”no” column_tag=”div” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” order_medium=”0″ order_small=”0″ hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ z_index_subgroup=”regular” background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ lazy_load=”none” background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” sticky=”off” sticky_devices=”small-visibility,medium-visibility,large-visibility” absolute=”off” filter_type=”regular” filter_hover_element=”self” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ transform_type=”regular” transform_hover_element=”self” transform_scale_x=”1″ transform_scale_y=”1″ transform_translate_x=”0″ transform_translate_y=”0″ transform_rotate=”0″ transform_skew_x=”0″ transform_skew_y=”0″ transform_scale_x_hover=”1″ transform_scale_y_hover=”1″ transform_translate_x_hover=”0″ transform_translate_y_hover=”0″ transform_rotate_hover=”0″ transform_skew_x_hover=”0″ transform_skew_y_hover=”0″ transition_duration=”300″ transition_easing=”ease” animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ last=”no” border_position=”all” element_content=”” min_height=”” link=””][/fusion_builder_column_inner][fusion_builder_column_inner type=”4_5″ type=”4_5″ align_self=”auto” content_layout=”column” align_content=”flex-start” valign_content=”flex-start” content_wrap=”wrap” center_content=”no” column_tag=”div” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” order_medium=”0″ order_small=”0″ hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ z_index_subgroup=”regular” background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ lazy_load=”none” background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” sticky=”off” sticky_devices=”small-visibility,medium-visibility,large-visibility” absolute=”off” filter_type=”regular” filter_hover_element=”self” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ transform_type=”regular” transform_hover_element=”self” transform_scale_x=”1″ transform_scale_y=”1″ transform_translate_x=”0″ transform_translate_y=”0″ transform_rotate=”0″ transform_skew_x=”0″ transform_skew_y=”0″ transform_scale_x_hover=”1″ transform_scale_y_hover=”1″ transform_translate_x_hover=”0″ transform_translate_y_hover=”0″ transform_rotate_hover=”0″ transform_skew_x_hover=”0″ transform_skew_y_hover=”0″ transition_duration=”300″ transition_easing=”ease” animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ background_color=”hsla(var(–awb-color2-h),var(–awb-color2-s),calc(var(–awb-color2-l) + 2%),var(–awb-color2-a))” padding_top=”50px” padding_right=”50px” padding_bottom=”50px” padding_left=”50px” border_sizes_left=”5px” border_color=”var(–awb-color4)” last=”no” border_position=”all” min_height=”” link=””][fusion_text animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” margin_bottom=”0px”]

Inceptos leo rutrum quisque mauris sed eget porta curae. Scelerisque cursus congue tincidunt dignissim percum disret conse quat aenean luctus litora curae aliquet nisl id nunc justo accumsan libero nam velit eros tempor mendus cum.

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Sed debitis iure ullam facilis sint non galisum

[/fusion_title][fusion_text animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky”]

Lectus nibh nullam lacinia erat eleifend varius urna tellus cum platea diam laoreet, est velit tortor in integer consequat cras inceptos mollis luctus. Feugiat cubilia velit cum facilisis blandit praesent, id curabitur montes habitasse ornare bibendum litora ya dictum vitae eleifend pellentesque facilisi. Rutrum porta sociis malesuada eros bibendum.

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Magnis torquent curae praesent faucibus dis sed nam.

[/fusion_li_item][fusion_li_item]Habitant primis ullamcorper praesent vel rhoncus.[/fusion_li_item][fusion_li_item]Nascetur habitant pharetra magnis tempus et urna dictumst.[/fusion_li_item][fusion_li_item]

Ligula tempor nisl sem nam vestibulum congue hac pellentesque.

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Faucibus lacus gravida aliquet platea

[/fusion_title][fusion_builder_row_inner][fusion_builder_column_inner type=”1_2″ type=”1_2″ align_self=”auto” content_layout=”column” align_content=”flex-start” valign_content=”flex-start” content_wrap=”wrap” center_content=”no” column_tag=”div” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” order_medium=”0″ order_small=”0″ hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ z_index_subgroup=”regular” background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ lazy_load=”none” background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” sticky=”off” sticky_devices=”small-visibility,medium-visibility,large-visibility” absolute=”off” filter_type=”regular” filter_hover_element=”self” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ transform_type=”regular” transform_hover_element=”self” transform_scale_x=”1″ transform_scale_y=”1″ transform_translate_x=”0″ transform_translate_y=”0″ transform_rotate=”0″ transform_skew_x=”0″ transform_skew_y=”0″ transform_scale_x_hover=”1″ transform_scale_y_hover=”1″ transform_translate_x_hover=”0″ transform_translate_y_hover=”0″ transform_rotate_hover=”0″ transform_skew_x_hover=”0″ transform_skew_y_hover=”0″ transition_duration=”300″ transition_easing=”ease” animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ padding_top=”15px” last=”no” border_position=”all” min_height=”” link=””][fusion_text animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky”]Pulvinar nullam suscipit tempus consequat felis habitasse, fringilla mus ligula senectus litora condimentum semper quam montes ridiculus enim placerat. Natoque erat porttitor lectus nisial bibendum posuere suscipit pellentes.

Placerat enim proin magnis netus justo dictumst rutrum nisi, neque nulla bibendum ut nec fusce commodo aenean vulputate, cursus id pulvinar libero fames eu platea. Ullamcorper elementum tellus mi cubilia hac id, suspendisse fames sollicitudin facilisis fringilla, gravida nec nascetur per ligula.

Tristique hendrer class platea phasellus dictumst velit egestas aenean tempor maecenas volutpat dapibus vestibulum duilay vehicula fermentum ornare cras justo arcu mattis.[/fusion_text][/fusion_builder_column_inner][fusion_builder_column_inner type=”1_2″ type=”1_2″ align_self=”auto” content_layout=”column” align_content=”flex-start” valign_content=”flex-start” content_wrap=”wrap” center_content=”no” column_tag=”div” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” order_medium=”0″ order_small=”0″ hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ z_index_subgroup=”regular” background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ lazy_load=”none” background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” sticky=”off” sticky_devices=”small-visibility,medium-visibility,large-visibility” absolute=”off” filter_type=”regular” filter_hover_element=”self” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ transform_type=”regular” transform_hover_element=”self” transform_scale_x=”1″ transform_scale_y=”1″ transform_translate_x=”0″ transform_translate_y=”0″ transform_rotate=”0″ transform_skew_x=”0″ transform_skew_y=”0″ transform_scale_x_hover=”1″ transform_scale_y_hover=”1″ transform_translate_x_hover=”0″ transform_translate_y_hover=”0″ transform_rotate_hover=”0″ transform_skew_x_hover=”0″ transform_skew_y_hover=”0″ transition_duration=”300″ transition_easing=”ease” animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ padding_top=”15px” margin_bottom=”60px” last=”no” border_position=”all” min_height=”” link=””][fusion_text animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky”]Donec auctor curae inceptos viamus. Posuere egestas suspen disse morbi nullam facilisis gravida felis, natoque penatibus nisl imperdiet bibendum tortor.[/fusion_text][fusion_imageframe aspect_ratio=”custom” custom_aspect_ratio=”52″ lightbox=”no” linktarget=”_self” align_medium=”none” align_small=”none” align=”none” hover_type=”none” caption_style=”off” caption_align_medium=”none” caption_align_small=”none” caption_align=”none” caption_title_tag=”2″ animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ image_id=”1211|full” margin_top=”25px”]https://www.businessjournalng.com/wp-content/uploads/2023/03/post-image-3.jpg[/fusion_imageframe][/fusion_builder_column_inner][/fusion_builder_row_inner][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

Easy & healthy snack ideas to keep you energized

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[fusion_builder_container type=”flex” hundred_percent=”no” hundred_percent_height=”no” hundred_percent_height_scroll=”no” align_content=”stretch” flex_align_items=”flex-start” flex_justify_content=”flex-start” hundred_percent_height_center_content=”yes” equal_height_columns=”no” container_tag=”div” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” status=”published” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_blend_mode=”none” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” pattern_bg=”none” pattern_bg_style=”default” pattern_bg_opacity=”100″ pattern_bg_blend_mode=”normal” mask_bg=”none” mask_bg_style=”default” mask_bg_opacity=”100″ mask_bg_transform=”left” mask_bg_blend_mode=”normal” absolute=”off” absolute_devices=”small,medium,large” sticky=”off” sticky_devices=”small-visibility,medium-visibility,large-visibility” sticky_transition_offset=”0″ scroll_offset=”0″ animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ admin_label=”Post Content”][fusion_builder_row][fusion_builder_column type=”1_1″ type=”1_1″ align_self=”auto” content_layout=”column” align_content=”flex-start” valign_content=”flex-start” content_wrap=”wrap” center_content=”no” column_tag=”div” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” order_medium=”0″ order_small=”0″ hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ z_index_subgroup=”regular” background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ lazy_load=”none” background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” sticky=”off” sticky_devices=”small-visibility,medium-visibility,large-visibility” absolute=”off” filter_type=”regular” filter_hover_element=”self” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ transform_type=”regular” transform_hover_element=”self” transform_scale_x=”1″ transform_scale_y=”1″ transform_translate_x=”0″ transform_translate_y=”0″ transform_rotate=”0″ transform_skew_x=”0″ transform_skew_y=”0″ transform_scale_x_hover=”1″ transform_scale_y_hover=”1″ transform_translate_x_hover=”0″ transform_translate_y_hover=”0″ transform_rotate_hover=”0″ transform_skew_x_hover=”0″ transform_skew_y_hover=”0″ transition_duration=”300″ transition_easing=”ease” animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ spacing_left=”100px” spacing_right=”100px” last=”no” border_position=”all” min_height=”” link=””][fusion_title title_type=”text” rotation_effect=”bounceIn” display_time=”1200″ highlight_effect=”circle” loop_animation=”off” highlight_width=”9″ highlight_top_margin=”0″ title_link=”off” link_target=”_self” content_align=”left” size=”4″ text_shadow=”no” text_shadow_blur=”0″ gradient_font=”no” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ style_type=”default” animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky”]Aliquam fames tempus integer feugiat sem libero quisque[/fusion_title][fusion_text animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky”]

Fames odio vehicula et in congue ac sem varius suspendisse rutrum eu, blandit etiam curae sociosqu elementum morbi sodales libero habitant sed. Sodales pellentesque vel ridiculus sollicitudin masysa arcu himenaeos, habitant dapibus praesent laoreet risus ultrices vivamus, lacus eleifend dis tristique odio purus. Gravida imperdiet magnis ultricies accumsan placerat nam sapien dio molestie musad haces consequat sem vitae at cum enim sodales tempor nibh augue est aliquet egestas velit mauris.

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caption_title_color=”hsla(var(–awb-color1-h),var(–awb-color1-s),var(–awb-color1-l),calc(var(–awb-color1-a) – 100%))” caption_overlay_color=”hsla(var(–awb-color8-h),var(–awb-color8-s),var(–awb-color8-l),calc(var(–awb-color8-a) – 50%))”]https://www.businessjournalng.com/wp-content/uploads/2023/03/post-image-4.jpg[/fusion_imageframe][/fusion_builder_column_inner][/fusion_builder_row_inner][fusion_text animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” margin_top=”20px” margin_bottom=”50px”]In gravida dapibus sed semper blandit aenean ante pellent esque eges tas aliquam ut mus porta ultricies magnis himenaeos, diam name elementum convallis leo urna fermentum suspendisse tempor senectus pretium risus faucibus sodales. Eros velit magnis nidu laoreet tempor phasellus cubilia sapien pretium commodo, nullam ornare purus fames lacus aliquam sodales maecenas rutrum dis montes sociis faucibus ante cum ultricies senectus in. Suspendisse dis duis lacinia vivamus praesent sodales.

Viverra mollis dictum eu phasellus magnis interdum porta natoque mus montes. Velit sociis laoreet suscipit sed rhoncus auctor etiam feugiat metus justo senectus integer quis parturient purus conubia maecenas platea consequat vitae donec pharetra.[/fusion_text][fusion_builder_row_inner][fusion_builder_column_inner type=”10.00″ type=”10.00″ align_self=”auto” content_layout=”column” align_content=”flex-start” valign_content=”flex-start” content_wrap=”wrap” center_content=”no” column_tag=”div” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” order_medium=”0″ order_small=”0″ hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ z_index_subgroup=”regular” background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ lazy_load=”none” background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” sticky=”off” sticky_devices=”small-visibility,medium-visibility,large-visibility” absolute=”off” filter_type=”regular” filter_hover_element=”self” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ transform_type=”regular” transform_hover_element=”self” transform_scale_x=”1″ transform_scale_y=”1″ transform_translate_x=”0″ transform_translate_y=”0″ transform_rotate=”0″ transform_skew_x=”0″ transform_skew_y=”0″ transform_scale_x_hover=”1″ transform_scale_y_hover=”1″ transform_translate_x_hover=”0″ transform_translate_y_hover=”0″ transform_rotate_hover=”0″ transform_skew_x_hover=”0″ transform_skew_y_hover=”0″ transition_duration=”300″ transition_easing=”ease” animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ last=”no” border_position=”all” element_content=”” min_height=”” link=””][/fusion_builder_column_inner][fusion_builder_column_inner type=”4_5″ type=”4_5″ align_self=”auto” content_layout=”column” align_content=”flex-start” valign_content=”flex-start” content_wrap=”wrap” center_content=”no” column_tag=”div” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” order_medium=”0″ order_small=”0″ hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ z_index_subgroup=”regular” background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ lazy_load=”none” background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” sticky=”off” sticky_devices=”small-visibility,medium-visibility,large-visibility” absolute=”off” filter_type=”regular” filter_hover_element=”self” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ transform_type=”regular” transform_hover_element=”self” transform_scale_x=”1″ transform_scale_y=”1″ transform_translate_x=”0″ transform_translate_y=”0″ transform_rotate=”0″ transform_skew_x=”0″ transform_skew_y=”0″ transform_scale_x_hover=”1″ transform_scale_y_hover=”1″ transform_translate_x_hover=”0″ transform_translate_y_hover=”0″ transform_rotate_hover=”0″ transform_skew_x_hover=”0″ transform_skew_y_hover=”0″ transition_duration=”300″ transition_easing=”ease” animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ background_color=”hsla(var(–awb-color2-h),var(–awb-color2-s),calc(var(–awb-color2-l) + 2%),var(–awb-color2-a))” padding_top=”50px” padding_right=”50px” padding_bottom=”50px” padding_left=”50px” border_sizes_left=”5px” border_color=”var(–awb-color4)” last=”no” border_position=”all” min_height=”” link=””][fusion_text animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” margin_bottom=”0px”]

Inceptos leo rutrum quisque mauris sed eget porta curae. Scelerisque cursus congue tincidunt dignissim percum disret conse quat aenean luctus litora curae aliquet nisl id nunc justo accumsan libero nam velit eros tempor mendus cum.

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Sed debitis iure ullam facilis sint non galisum

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Lectus nibh nullam lacinia erat eleifend varius urna tellus cum platea diam laoreet, est velit tortor in integer consequat cras inceptos mollis luctus. Feugiat cubilia velit cum facilisis blandit praesent, id curabitur montes habitasse ornare bibendum litora ya dictum vitae eleifend pellentesque facilisi. Rutrum porta sociis malesuada eros bibendum.

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Ligula tempor nisl sem nam vestibulum congue hac pellentesque.

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Placerat enim proin magnis netus justo dictumst rutrum nisi, neque nulla bibendum ut nec fusce commodo aenean vulputate, cursus id pulvinar libero fames eu platea. Ullamcorper elementum tellus mi cubilia hac id, suspendisse fames sollicitudin facilisis fringilla, gravida nec nascetur per ligula.

Tristique hendrer class platea phasellus dictumst velit egestas aenean tempor maecenas volutpat dapibus vestibulum duilay vehicula fermentum ornare cras justo arcu mattis.[/fusion_text][/fusion_builder_column_inner][fusion_builder_column_inner type=”1_2″ type=”1_2″ align_self=”auto” content_layout=”column” align_content=”flex-start” valign_content=”flex-start” content_wrap=”wrap” center_content=”no” column_tag=”div” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” order_medium=”0″ order_small=”0″ hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ z_index_subgroup=”regular” background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ lazy_load=”none” background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” sticky=”off” sticky_devices=”small-visibility,medium-visibility,large-visibility” absolute=”off” filter_type=”regular” filter_hover_element=”self” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ transform_type=”regular” transform_hover_element=”self” transform_scale_x=”1″ transform_scale_y=”1″ transform_translate_x=”0″ transform_translate_y=”0″ transform_rotate=”0″ transform_skew_x=”0″ transform_skew_y=”0″ transform_scale_x_hover=”1″ transform_scale_y_hover=”1″ transform_translate_x_hover=”0″ transform_translate_y_hover=”0″ transform_rotate_hover=”0″ transform_skew_x_hover=”0″ transform_skew_y_hover=”0″ transition_duration=”300″ transition_easing=”ease” animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ padding_top=”15px” margin_bottom=”60px” last=”no” border_position=”all” min_height=”” link=””][fusion_text animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky”]Donec auctor curae inceptos viamus. Posuere egestas suspen disse morbi nullam facilisis gravida felis, natoque penatibus nisl imperdiet bibendum tortor.[/fusion_text][fusion_imageframe aspect_ratio=”custom” custom_aspect_ratio=”52″ lightbox=”no” linktarget=”_self” align_medium=”none” align_small=”none” align=”none” hover_type=”none” caption_style=”off” caption_align_medium=”none” caption_align_small=”none” caption_align=”none” caption_title_tag=”2″ animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ image_id=”1211|full” margin_top=”25px”]https://www.businessjournalng.com/wp-content/uploads/2023/03/post-image-3.jpg[/fusion_imageframe][/fusion_builder_column_inner][/fusion_builder_row_inner][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

Sustainable shoes takes center stage at fashion Week

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Fames odio vehicula et in congue ac sem varius suspendisse rutrum eu, blandit etiam curae sociosqu elementum morbi sodales libero habitant sed. Sodales pellentesque vel ridiculus sollicitudin masysa arcu himenaeos, habitant dapibus praesent laoreet risus ultrices vivamus, lacus eleifend dis tristique odio purus. Gravida imperdiet magnis ultricies accumsan placerat nam sapien dio molestie musad haces consequat sem vitae at cum enim sodales tempor nibh augue est aliquet egestas velit mauris.

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Viverra mollis dictum eu phasellus magnis interdum porta natoque mus montes. Velit sociis laoreet suscipit sed rhoncus auctor etiam feugiat metus justo senectus integer quis parturient purus conubia maecenas platea consequat vitae donec pharetra.[/fusion_text][fusion_builder_row_inner][fusion_builder_column_inner type=”10.00″ type=”10.00″ align_self=”auto” content_layout=”column” align_content=”flex-start” valign_content=”flex-start” content_wrap=”wrap” center_content=”no” column_tag=”div” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” order_medium=”0″ order_small=”0″ hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ z_index_subgroup=”regular” background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ lazy_load=”none” background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” sticky=”off” sticky_devices=”small-visibility,medium-visibility,large-visibility” absolute=”off” filter_type=”regular” filter_hover_element=”self” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ transform_type=”regular” transform_hover_element=”self” transform_scale_x=”1″ transform_scale_y=”1″ transform_translate_x=”0″ transform_translate_y=”0″ transform_rotate=”0″ transform_skew_x=”0″ transform_skew_y=”0″ transform_scale_x_hover=”1″ transform_scale_y_hover=”1″ transform_translate_x_hover=”0″ transform_translate_y_hover=”0″ transform_rotate_hover=”0″ transform_skew_x_hover=”0″ transform_skew_y_hover=”0″ transition_duration=”300″ transition_easing=”ease” animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ last=”no” border_position=”all” element_content=”” min_height=”” link=””][/fusion_builder_column_inner][fusion_builder_column_inner type=”4_5″ type=”4_5″ align_self=”auto” content_layout=”column” align_content=”flex-start” valign_content=”flex-start” content_wrap=”wrap” center_content=”no” column_tag=”div” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” order_medium=”0″ order_small=”0″ hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ z_index_subgroup=”regular” background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ lazy_load=”none” background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” sticky=”off” sticky_devices=”small-visibility,medium-visibility,large-visibility” absolute=”off” filter_type=”regular” filter_hover_element=”self” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ transform_type=”regular” transform_hover_element=”self” transform_scale_x=”1″ transform_scale_y=”1″ transform_translate_x=”0″ transform_translate_y=”0″ transform_rotate=”0″ transform_skew_x=”0″ transform_skew_y=”0″ transform_scale_x_hover=”1″ transform_scale_y_hover=”1″ transform_translate_x_hover=”0″ transform_translate_y_hover=”0″ transform_rotate_hover=”0″ transform_skew_x_hover=”0″ transform_skew_y_hover=”0″ transition_duration=”300″ transition_easing=”ease” animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ background_color=”hsla(var(–awb-color2-h),var(–awb-color2-s),calc(var(–awb-color2-l) + 2%),var(–awb-color2-a))” padding_top=”50px” padding_right=”50px” padding_bottom=”50px” padding_left=”50px” border_sizes_left=”5px” border_color=”var(–awb-color4)” last=”no” border_position=”all” min_height=”” link=””][fusion_text animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” margin_bottom=”0px”]

Inceptos leo rutrum quisque mauris sed eget porta curae. Scelerisque cursus congue tincidunt dignissim percum disret conse quat aenean luctus litora curae aliquet nisl id nunc justo accumsan libero nam velit eros tempor mendus cum.

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Sed debitis iure ullam facilis sint non galisum

[/fusion_title][fusion_text animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky”]

Lectus nibh nullam lacinia erat eleifend varius urna tellus cum platea diam laoreet, est velit tortor in integer consequat cras inceptos mollis luctus. Feugiat cubilia velit cum facilisis blandit praesent, id curabitur montes habitasse ornare bibendum litora ya dictum vitae eleifend pellentesque facilisi. Rutrum porta sociis malesuada eros bibendum.

[/fusion_text][fusion_checklist type=”icons” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” icon=”fusion-prefix-awb-magazine-angle-right-solid” item_padding_left=”25px” circlecolor=”hsla(var(–awb-color4-h),var(–awb-color4-s),var(–awb-color4-l),calc(var(–awb-color4-a) – 90%))” iconcolor=”var(–awb-color4)” item_padding_top=”10px”][fusion_li_item]

Magnis torquent curae praesent faucibus dis sed nam.

[/fusion_li_item][fusion_li_item]Habitant primis ullamcorper praesent vel rhoncus.[/fusion_li_item][fusion_li_item]Nascetur habitant pharetra magnis tempus et urna dictumst.[/fusion_li_item][fusion_li_item]

Ligula tempor nisl sem nam vestibulum congue hac pellentesque.

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Faucibus lacus gravida aliquet platea

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Placerat enim proin magnis netus justo dictumst rutrum nisi, neque nulla bibendum ut nec fusce commodo aenean vulputate, cursus id pulvinar libero fames eu platea. Ullamcorper elementum tellus mi cubilia hac id, suspendisse fames sollicitudin facilisis fringilla, gravida nec nascetur per ligula.

Tristique hendrer class platea phasellus dictumst velit egestas aenean tempor maecenas volutpat dapibus vestibulum duilay vehicula fermentum ornare cras justo arcu mattis.[/fusion_text][/fusion_builder_column_inner][fusion_builder_column_inner type=”1_2″ type=”1_2″ align_self=”auto” content_layout=”column” align_content=”flex-start” valign_content=”flex-start” content_wrap=”wrap” center_content=”no” column_tag=”div” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” order_medium=”0″ order_small=”0″ hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ z_index_subgroup=”regular” background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ lazy_load=”none” background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” sticky=”off” sticky_devices=”small-visibility,medium-visibility,large-visibility” absolute=”off” filter_type=”regular” filter_hover_element=”self” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ transform_type=”regular” transform_hover_element=”self” transform_scale_x=”1″ transform_scale_y=”1″ transform_translate_x=”0″ transform_translate_y=”0″ transform_rotate=”0″ transform_skew_x=”0″ transform_skew_y=”0″ transform_scale_x_hover=”1″ transform_scale_y_hover=”1″ transform_translate_x_hover=”0″ transform_translate_y_hover=”0″ transform_rotate_hover=”0″ transform_skew_x_hover=”0″ transform_skew_y_hover=”0″ transition_duration=”300″ transition_easing=”ease” animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ padding_top=”15px” margin_bottom=”60px” last=”no” border_position=”all” min_height=”” link=””][fusion_text animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky”]Donec auctor curae inceptos viamus. Posuere egestas suspen disse morbi nullam facilisis gravida felis, natoque penatibus nisl imperdiet bibendum tortor.[/fusion_text][fusion_imageframe aspect_ratio=”custom” custom_aspect_ratio=”52″ lightbox=”no” linktarget=”_self” align_medium=”none” align_small=”none” align=”none” hover_type=”none” caption_style=”off” caption_align_medium=”none” caption_align_small=”none” caption_align=”none” caption_title_tag=”2″ animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ image_id=”1211|full” margin_top=”25px”]https://www.businessjournalng.com/wp-content/uploads/2023/03/post-image-3.jpg[/fusion_imageframe][/fusion_builder_column_inner][/fusion_builder_row_inner][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

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