About me.

Andrew M. Mwenda is the founding Managing Editor of The Independent, Uganda’s premier current affairs newsmagazine. One of Foreign Policy magazine 's top 100 Global Thinkers, TED Speaker and Foreign aid Critic



Monday, October 31, 2016

Bringing the state back in

Lessons for Uganda from the failure of Crane Bank and what should be done going forward

Last week’s central bank takeover of Uganda’s third largest bank, Crane Bank, was another step in our nation’s march to the absolute mastery of our economy by international capital. Crane follows a long list of locally owned banks that have gone under or been swallowed by others over the last 20 years, beginning with the International Credit Bank, then Greenland Bank, the Cooperative Bank, Uganda Commercial Bank and recently National Bank of Commerce.

After the failure and closure of all these local banks between 1998 and 1999, Uganda’s banking industry has grown by leaps and bounds. In 1995, total deposits were Shs383 billion (or Shs1.327 trillion in 2015 prices). By December 2015 they had grown to Shs15 trillion. Bank profits have grown from Shs10 billion (or Shs34.65 billion in 2015 prices) to Shs529 billion over the same period. Bank assets have grown from Shs727 billion (or Shs2.5 trillion in 2015 prices) to Shs22 trillion between 1995 and 2015; bank accounts from 321,307 to 4,499,426.

These facts show a rapidly growing banking sector. They also demonstrate the competences that Bank of Uganda in regulating banks. Indeed, the executive director for bank supervision at BOU, Justine Bagyenda, is a no nonsense woman commonly referred to as “The Iron Lady” in commercial banking circles. On the face of it, this growth in size, scale and scope of the banking industry shows that Uganda’s banking industry has come of age. It also confirms why multi-national banks should be allowed to take over our banks and why local banks should be discouraged.

Yet in spite of this phenomenal growth, Uganda still has only about 5% of the population banked. Indeed, we have also seen rapid growth of private money lending by what we call “loan sharks”. This demonstrates that many Ugandans cannot get loans from banks. Banks in Uganda are not designed to serve most Ugandans but a small elite class in towns, the NGO and donor sector and a few business and even here within narrowly defined parameters.

I admire BOU’s strict regulation of the banking sector that has protected depositors from greedy bankers and reckless borrowers. However, I am now aware that these short-term gains are outweighed by the costs our current banking laws impose on the economic transformation of our country in the long-term. Multinational banks tend to rely on rules set by their parent companies in Johannesburg, London, New York, etc. that are inherently skeptical about the credit worthiness of Africans. Thus, businesses and individuals in Uganda find it hard to get credit from them.

Crane Bank succeeded because its owner, Sudhir Ruparelia, built his business from the bottom up on the streets of Kampala. He acquired a good social network with local businesspersons and excellent intuition and knowledge of their workings. This newspaper is a living testimony of Crane Bank’s role in the growth of local businesses. When we set up The Independent in December 2007, our company broke-even in the first five months. However, because we were small and new, many of our suppliers insisted we pay them in advance. Yet our customers, especially advertisers, were large and reputed corporations that insisted on 45 to 60 days credit; some even took 90 days to pay us. Hence although we were profitable, we had cash-flow shortages.

We tried to get a line of credit from Barclays and Standard Chartered banks in vain even though we had accounts with them. Crane Bank gave us an overdraft without demanding collateral (which we did not have) because they knew their customers personally. This allowed us to remain in business, grow and become a major employer, taxpayer and exporter. How many potentially great businesses have died due to lack of access to credit?

BOU and government may deny the current economic downturn. But that is like burying one’s head in the sand. In 2013 BOU increased the Central Bank Lending (CBR) from 12% to 23% in circumstances where 98.3% of all loans were on variable interest rate. Commercial banks reacted by increasing their prime lending rates from 17% to 33%. Many loans began to fail.

In 2014, Stanbic Bank wrote off Shs 175 billion. In 2015, Standard Chartered Bank wrote off Shs 165 billion. Crane Bank wrote off Shs 115 billion. Many other banks had big write-offs as well. Only four out of 25 banks grew their profitability in 2015. Since April, BOU had asked several banks to recapitalise. Today, many banks are under stress due to nonperforming loans. Of course the likes of Stanbic and Stanchat can afford big write-offs and recapitalise. Crane, owned by a local business tycoon with limited financial power could not.

Yet Crane Bank gave Uganda more value. Sudhir is heavily invested in Uganda – in real estate, import and export trade, warehousing, hotels, schools, a university, a flower export business, etc. Stanbic and Stanchart do not invest in the country; they repatriate all their profits. They don’t even own the offices in which they are headquartered. If they failed they would just pack their bags and go. Surely if these are not mercenary banks, what are they?

BOU is doing an excellent job in enforcing existing rules. But these rules are meant for rich countries. Look at the world’s fastest growing economy, China; or Africa’s fastest growing economy, Ethiopia: over 90% of the banking sector is owned locally and largely by the state. South Korea in the 1960s to early 1990s, or Western Europe and North America during their transition from agrarian to industrial societies had banking rules and practices similar to those of China or Ethiopia today. Lesson: what you need to grow from poverty is different from what you need once you are rich.

The takeover of Crane provides the Uganda government with an opportunity to reenter commercial banking. Crane needs Shs500 billion in liquidity. I suggest government raises it and takes a majority stake in the bank. It should run it on private sector principles and make borrowing accessible to Ugandans by maintaining the quality of service that Crane Bank gave its customers.

For Uganda to transform from a backward to an advanced nation, it must be willing to take big risks. One such risk is to believe that our people can borrow, grow their businesses and pay back. They must be be given credit without the absurd requirements that characterize our banks today. Without such risks, we shall continue to replicate, but we shall never transform, the structures of our economy.

****
amwenda@independent.co.ug

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Ahmed Mustapha said...

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Ahmed Mustapha said...

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Ahmed Mustapha said...

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We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,HSBC bank etc

We provide BG, SBLC,and lots more for clients all over the world.

We are equally ready to work with Brokers and financial
consultants/consulting firms in their respective countries.

Our procedures are most reasonable and safest as we operate a 100% financial risk free process which entails that the issuing and receiving bank continues the transaction immediately after DOA is countersigned

We offer certifiable and verifiable bank instruments via Swift Transmission from a genuine provider capable of taking up time bound transactions. We are RWA ready to close leasing with any interested client in few banking days

We hope to establish a long term business relationship with you even after this first trial

Regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
Tel contact: +447031968934
Registered No: 04374045

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elliotoliveloanfirm said...



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elliotoliveloanfirm said...



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Just contact ahmedconsultancycompany@gmail.com and you are already in the process. Contact for all of your loan needs today and get your cash loan approved with 24 hours. Amount is between 5k to 500k and duration is between 2 years to 20years.
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FIVE STAR FINANCE COMPANY said...

Do you need Personal Loan?
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=================
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Loan Amount Needed:.
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Loan Duration:..
Gender:.............
Marital status:....
Location:..........
Home Address:..
City:............
Country:......
Phone:..........
Mobile / Cell:....
Occupation:......
Monthly Income:....

Contact Us At fivestarfinancecompany@gmail.com
Phone number :For call or watssap us +15165910949

Osman ibrahim said...

Do you need a financial help? Are you in any financial crisis or do you need funds to start up your own business? Do you need funds to settle your debt or pay off your bills or start a good business? Do you have a low credit score and you are finding it hard to obtain capital services from local banks and other financial institutes? Here is your chance to obtain a financial services from our company. We offer the following finance to individuals-
*Commercial finance
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*Business finance
*Construction finance
*Business finance And many More:
and many more at 3% interest rate;
Contact Us Via Email: creditfinance37@aol.com +918448223793 (Call/Whats app)

Abigail Mills said...

WELCOME TO ABIGAIL MILLS abigailmills.loans227@gmail.com our aims is to provide Excellent Professional Service.

Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?.

Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose – from vacations, to education, to unique purchases

We offer a wide range of financial services which includes: Personal Loans, Debt consolidation loans, Business Loans, Education Loans, Mortgage Secured Loan, Unsecured loan, Mortgage Loans, Payday off Loans, Student Loans, Commercial Loans, Car Loans, Investments Loans, Development Loans, Acquisition Loans, Construction Loans, with low interest rate at 2% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme.

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

Please, contact us for more information: abigailmills.loans227@gmail.com
Kindly write us back with the loan information;

BORROWER INFORMATION

1)Full Names:
2)Country:
3)address:
4)State:
5)Sex:
6)Marital Status:
7)Occupation:
8)Phone Number:
9)Monthly income:
10)Next of Kin:
11)Loan Amount Needed:
12)Loan Duration:
13)Purpose of Loan:
14)Specific date you need the loan:

If you are interested to get a loan then kindly write us with the loan requirement.
Please, contact us for more information: abigailmills.loans227@gmail.com

Yours Sincerely,
Mrs Abigail Mills
abigailmills.loans227@gmail.com

We look forward to hear from you ASAP

Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

Abigail Mills said...

My name is Mrs Abigail Mills we are a new legit loan lenders of 2019 and we like to help any body that need financial help we offer as from $500,000.00 and $5,000,000.00 and we also give out loans in euro above that so if you need help kindly send us an email on:abigailmills.loans227@gmail.com so that your loan transaction can take place now you will be with your loan in the next 8 hours it is a fast transfer and is safe without any delay. So email:abigailmills.loans227@gmail.com if interested

Email:abigailmills.loans227@gmail.com

Abigail Mills said...

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, to education, to unique purchases. Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 2.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

Please, contact us for more information: abigailmills.loans227@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: abigailmills.loans227@gmail.com
Yours Sincerely,
Mrs. Abigail Mills

We look forward to hear from you ASAP

Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

Abigail Mills said...

Greetings..
Please contact us for your secure and unsecured Loan at an Interest rate of 2%
………………………………….

Is the difficulty of the economy affecting you this year,? If your answer is yes, then you need a loan. I’m Mrs Abigail Mills, the owner of a lending company We offer safe and secure loans at an interest rate of 2%.

* Are you financially squeezed?
* Do you seek funds to pay off credits and debts?
* Do you seek finance to set up your own business?
* Are you in need of private or business loans for various purposes?
* Do you seek loans to carry out large projects?

If you have any of the above problems, we can be of assistance to you but I want you to understand that we give out loans at the interest rate of 2%.

* Borrow anything up to $95,000,000 USD.
* Choose between 1 to 20 years to repay.
* Choose between Monthly and Annual repayments Plan.
* Flexible Loan Terms.
Please if you are interested check back with us through this email address: abigailmills.loans227@gmail.com

We promise a 100% guarantee that you will receive your loan at the end of this loan transaction.There is no security check, no credit check

Regards
Abigail Mills
Abigail Mills loan company

Abigail Mills said...

Attention

We are a financial consultant that handles international finances for any amount of banking instruments. We have the access/contacts to raise from $10 thousand to $500 Million Dollars, With our company (Abigail Mills loan company) and other TOP PRIME AA BANKS like Bank of America, HSBC, Lloyds, Wells Fargo, The Best Banks for SBA Loans etc.

Feel free to engage our leased facilities in trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans) and many more.

We have provided over $1 Billion in business loans to over 17,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $500 million.

Do you find yourself in a bit of trouble with unpaid bills and don't know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Abigail Mills loan company is the answer. Reduce your payments to ease the strain on your monthly expenses. contact us via Email(abigailmills.loans227@gmail.com)

Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved. Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable.
Email us via: abigailmills.loans227@gmail.com

Regards
Mrs Abigail Mills
Email: abigailmills.loans227@gmail.com
Motto: We offer the fastest and reliable financial services

Abigail Mills said...

Hello Everyone,

Welcome to the future! Financing made easy with Abigail Mills loan company.

Have you been looking for financing options for your new business plans, Are you seeking for a loan to expand your existing business, Do you find yourself in a bit of trouble with unpaid bills and you don’t know which way to go or where to turn to? Have you been turned down by your banks? Abigail Mills loan company. says YES when your banks say NO. Contact us as we offer financial services at a low and affordable interest rate of 2% for long and short term loans(Secured and Unsecured). Interested applicants should contact us for further loan acquisition procedures.

Services include:

* Car Loan
* Home Loan
* Truck Loan
* Mortgage Loan
* Debt Consolidation Loan
* Business Loan
* Personal Loan
* Students Loan.

With Abigail Mills loan company. you can say goodbye to all your financial crisis and difficulties as we are certified, trustworthy, reliable, efficient, fast and dynamic.
Email: abigailmills.loans227@gmail.com

Regards,
Mrs Abigail Mills

Abigail Mills said...

We are a financial consultants that handles international finances for any amount of banking instruments. What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Abigail Mills loan company (abigailmills.loans227@gmail.com) is the answer. Reduce your payments to ease the strain on your monthly expenses. Feel free to engage our leased facilities as We have provided over $2 Billion in business loans to over 25,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 8 hours of successful application.

* Personal loans
* Debt consolidation loan
* Student loan,
* Truck Loans
* Car Loans
* Real Estate Loans
* Refinancing Loans
* Debt consolidation loans
* Education Loans
* Farm Loans
* Corporate Loans
* Business Start-up Loans

We offer loans from a minimum range of $5,000 to a maximum of $500 million, Abigail Mills loan company services Will give you loan with an affordable interest rate of 2% and loan duration of 1 to 20 years to pay back the loan (secure and unsecured). Our aim is to provide Excellent Professional Financial Services. Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved. Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable..
Email us via: abigailmills.loans227@gmail.com.

Yours Sincerely,
Mrs. Abigail Mills.

We are certified and offer fast and reliable services….

Abigail Mills said...

Hello everyone my name is Maksims Odincovs and i am from USA, Chicago i have been on the internet and i have heard people saying they have been scammed before and i urgently need a loan so i was afraid to apply for a loan online thing i saw 3 people testify about Mrs Abigail Mills loan company that they got there loan from her i have never applied for a loan before and i was so afraid that i will get scammed but i believed what the people says and apply from that loan company and everything was fine and they told me to send the transfer fee which will be used to transfer my loan when they told me that i was so afraid that it was a scammed so i sat down and i thought about it and i went back to them and tell them i have never done this before but Mrs Abigail Mills said i should trust them that they are going to help me so i did and i went to send the fee which they said i should send for the transfer of my loan just today i got an alert from my bank that there is money on my account. Today i am very happy i have never been scammed before and i received my loan once so now i am happy and me and my family is going to be happy too so anyone that need a loan should apply from this company without been scammed because she is real and great and i pray God should continue to use her to help people of there loans. her mail address is abigailmills.loans227@gmail.com.

Once again i remain Maksims Odincovs

Abigail Mills said...

My name is Gwendolyn Shirley Tammie and i am from Houston,Texas in USA i just received my loan from Abigail Mills loan company right now and i have heard about this company and i thought it was a fake company but now i am so happy this company helped me and 100% this company is real so anyone that need a loan this is the right company to apply from now i applied for a loan for my business of 250,000.00 USD and this company helped me without delay i am so happy i am testifying this company because i saw other people do it and i am happy to be among the people who shares testimony on how this company helped me so everyone if you need a real loan your helper is here. their contact information is abigailmills.loans227@gmail.com

Abigail Mills said...

My name is Annette Kim Bailey I am from Ohio USA. I want to use my little time to write to the internet to people in need of a real loan that if you need a loan without getting cheated Abigail Mills is the right company to apply from i am a teacher of Mathematics and English and i was cheated 2 time by a fake company who clam to be lenders but i no longer worry because Abigail Mills has already helped me so if you need an urgent loan to do anything this company is going to put a smile to your face i have also introduced most of my friends to this company and only 2 of my friends told me they have received there loans already one of my friend received a loan of $38,000.00 dollars and the other of my friend received the sum of $75,000.00 dollars so anyone in need of an online loan apply from this company and you will be happy no doubt about that because this company is really helpful and God will continue to use them to help people in need of a loan. If you need an online loan apply from this company and contact them via this means email address abigailmills.loans227@gmail.com and also you can contact them via Whatsapp +1 (903)378-6704. Regards to anyone who reads my messages.

Abigail Mills said...

Good day everyone

My name is Abiezer Petit Homme i am from Philippine and i live in the city of Manila. I want to use this little time i have to rite to the internet that if you need a real and legit loan Abigail Mills is the right company to apply from i was cheated by 2 companies i applied for a loan from and Abigail Mills was the third company i applied from i received my loan from Abigail Mills loan company in less than 8 hours time as the company told me so anyone who needs an online loan without getting scammed apply from Abigail Mills and be rest assured that you will be happy with this company. You can only contact this company via mail or whatsapp mail address is abigailmills.loans227@gmail.com Whatsapp +1 (903)378-6704. Regards to anyone who reads this message all over the world.

Abigail Mills said...

Regards everyone my name is Kojonka Moe and i am from Switzerland and i live in the city of Zürich with my family. I have heard about people testify about this company called Abigail Mills and this is my first time applying for a loan online i was afraid to apply for an online loan because of the scam i see on the internet but after i read so many testimonies about this company i decided to give it a try and apply for a loan from this company called Abigail Mills loan company i was in need of money and i needed a loan of 720,000.00 Swiss franc. So i applied and i was told of what to do i was afraid but i gave the company a chance to help me and they assured me that in less than 8 hours time i will receive my loan in my account. I never believed but i was waiting in less than 8 hours time i received a call from my bank that an amount of 720,000.00 Swiss franc was in my account and immediately my bank called me i contacted the company and let them know that i have received my loan and today i am happy. So if you came across my message and you read it and you need a legit loan apply from this company and be rest assured that you will be happy with this company i believe this company is God sent and i pray they last and keep on helping people. Contact this company via mail address abigailmills.loans227@gmail.com

Abigail Mills said...

All thanks to Abigail Mills for helping me with my loan after been scammed 6 times by fake people who clams to be loan lenders.

My name is Rethabile Grace Thandolwethu i am from South Africa and i live in the city of Johannesburg. A month ago i was searching for an online loan and i saw different loan lender on the internet and with some fake testimonies and i applied from them and all i got was scammers i applied more than 6 companies and i was cheated all the way. So i gave up hope until i decided to check again if i will find help as i was searching and i settled down to look for a legit loan company i found this company named Abigail Mills loan company i saw a lot of testimonies that people comment about her but because i was cheated severally i thought it was a scam but i did what i was asked to do and i waited for my loan and Mrs Abigail Mills told me in less than 8 hours time you be with my loan safely i did not believe cause i thought it was also a scam so that day it was night time in South Africa and i slept off the nest morning as i woke up i received an alert from my bank that there is money on my account and immediately i called my bank to confirm and the bank manger told me to come to the bank immediately and i went immediately the bank got opened as the bank manager checked my account we saw an amount of $135,000.00 USD that is United States Dollars and i explained to my manager that i applied for a loan online and my bank manager was shocked if there was still a real and legit loan company online i am so happy all thanks to Abigail Mills i decided to write on the internet because i saw other people do it and testify about this company that is why i am posting this message online to anyone that need a loan even if you have been cheated before apply from this company and be rest assured that this company won't let you down. My Regards to anyone that reads my message and you can contact this company via mail abigailmills.loans227@gmail.com they also use Whatsapp which the number is +1 (903)378-6704. Once again my regards to anyone that reads my message and i pray you are happy as i am today with this company because i am bring more people to this company to help.

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Unknown said...

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Nancy White said...

A MUST READ: HOW I GOT MY LOAN OF $375,000.00 FROM THIS GREAT COMPANY CALLED LANDON LUIS HOME LOANS

Hello to All across the globe, I am Nancy White , from United State Of America, USA. I am a single mother of four kids and I was stuck in a financial situation and I needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not fall prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you will not hear from them again they have done it to me three times before i come in contact with Landon Luis Home Loans the most interesting part of it is that my loan was transfer to me within 72hours so I will advice you to contact Landon Luis Home Loans if you are interested in getting loan and you are sure you can pay them back on time you can contact them via email……… (landonluishomeloans@gmail.com) Phone: call/text+1 +1 (929) 377-6816 No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Landon Luis Home Loans today for your loan

They offer all kind of categories of loan they

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Long term loan (20_30 years)

They offer loan like

*Property Purchase loans................... Home loan............., Business loan........
Debt consolidation loan .......Refinance Loan..........,Business start up loan
Farm loan....... , Company loan..............Mortgages loan
construction loan.....car loan........ hotel loan....personal loans..property loans etc

Email..........(landonluishomeloans@gmail.com) Phone: call/text+1 +1 (929) 377-6816
When it comes to financial crisis and you need to be free from financial crisis then Landon Luis Home Loans is the place to go please just tell them that Nancy White direct you Good Luck.... 

Abubakar said...


Do you need Personal Finance?
Business Cash Finance?
Unsecured Finance
Fast and Simple Finance?
Quick Application Process?
Finance. Services Rendered include,
*Debt Consolidation Finance
*Business Finance Services
*Personal Finance services Help
Please write back if interested with our interest rate
contact us now: (abubakarloanservice@gmail.com)WhatsApp or call; +91-9818603391

Abigail Mills said...

WELCOME TO ABIGAIL MILLS abigailmills.loans227@gmail.com our aims is to provide Excellent Professional Service.

Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?.

Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose – from vacations, to education, to unique purchases

We offer a wide range of financial services which includes: Personal Loans, Debt consolidation loans, Business Loans, Education Loans, Mortgage Secured Loan, Unsecured loan, Mortgage Loans, Payday off Loans, Student Loans, Commercial Loans, Car Loans, Investments Loans, Development Loans, Acquisition Loans, Construction Loans, with low interest rate at 2% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme.

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

Please, contact us for more information: abigailmills.loans227@gmail.com
Kindly write us back with the loan information;

BORROWER INFORMATION

1)Full Names:
2)Country:
3)address:
4)State:
5)Sex:
6)Marital Status:
7)Occupation:
8)Phone Number:
9)Monthly income:
10)Next of Kin:
11)Loan Amount Needed:
12)Loan Duration:
13)Purpose of Loan:
14)Specific date you need the loan:

If you are interested to get a loan then kindly write us with the loan requirement.
Please, contact us for more information: abigailmills.loans227@gmail.com

Yours Sincerely,
Mrs Abigail Mills
abigailmills.loans227@gmail.com

We look forward to hear from you ASAP

Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

Abigail Mills said...

My name is Mrs Abigail Mills we are a new legit loan lenders of 2019 and we like to help any body that need financial help we offer as from $500,000.00 and $5,000,000.00 and we also give out loans in euro above that so if you need help kindly send us an email on:abigailmills.loans227@gmail.com so that your loan transaction can take place now you will be with your loan in the next 8 hours it is a fast transfer and is safe without any delay. So email:abigailmills.loans227@gmail.com if interested

Email:abigailmills.loans227@gmail.com

Abigail Mills said...

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, to education, to unique purchases. Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 2.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

Please, contact us for more information: abigailmills.loans227@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: abigailmills.loans227@gmail.com
Yours Sincerely,
Mrs. Abigail Mills

We look forward to hear from you ASAP

Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

Abigail Mills said...

Greetings..
Please contact us for your secure and unsecured Loan at an Interest rate of 2%
………………………………….

Is the difficulty of the economy affecting you this year,? If your answer is yes, then you need a loan. I’m Mrs Abigail Mills, the owner of a lending company We offer safe and secure loans at an interest rate of 2%.

* Are you financially squeezed?
* Do you seek funds to pay off credits and debts?
* Do you seek finance to set up your own business?
* Are you in need of private or business loans for various purposes?
* Do you seek loans to carry out large projects?

If you have any of the above problems, we can be of assistance to you but I want you to understand that we give out loans at the interest rate of 2%.

* Borrow anything up to $95,000,000 USD.
* Choose between 1 to 20 years to repay.
* Choose between Monthly and Annual repayments Plan.
* Flexible Loan Terms.
Please if you are interested check back with us through this email address: abigailmills.loans227@gmail.com

We promise a 100% guarantee that you will receive your loan at the end of this loan transaction.There is no security check, no credit check

Regards
Abigail Mills
Abigail Mills loan company

Abigail Mills said...

Attention

We are a financial consultant that handles international finances for any amount of banking instruments. We have the access/contacts to raise from $10 thousand to $500 Million Dollars, With our company (Abigail Mills loan company) and other TOP PRIME AA BANKS like Bank of America, HSBC, Lloyds, Wells Fargo, The Best Banks for SBA Loans etc.

Feel free to engage our leased facilities in trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans) and many more.

We have provided over $1 Billion in business loans to over 17,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $500 million.

Do you find yourself in a bit of trouble with unpaid bills and don't know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Abigail Mills loan company is the answer. Reduce your payments to ease the strain on your monthly expenses. contact us via Email(abigailmills.loans227@gmail.com)

Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved. Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable.
Email us via: abigailmills.loans227@gmail.com

Regards
Mrs Abigail Mills
Email: abigailmills.loans227@gmail.com
Motto: We offer the fastest and reliable financial services

Abigail Mills said...

Hello Everyone,

Welcome to the future! Financing made easy with Abigail Mills loan company.

Have you been looking for financing options for your new business plans, Are you seeking for a loan to expand your existing business, Do you find yourself in a bit of trouble with unpaid bills and you don’t know which way to go or where to turn to? Have you been turned down by your banks? Abigail Mills loan company. says YES when your banks say NO. Contact us as we offer financial services at a low and affordable interest rate of 2% for long and short term loans(Secured and Unsecured). Interested applicants should contact us for further loan acquisition procedures.

Services include:

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With Abigail Mills loan company. you can say goodbye to all your financial crisis and difficulties as we are certified, trustworthy, reliable, efficient, fast and dynamic.
Email: abigailmills.loans227@gmail.com

Regards,
Mrs Abigail Mills

Abigail Mills said...

We are a financial consultants that handles international finances for any amount of banking instruments. What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Abigail Mills loan company (abigailmills.loans227@gmail.com) is the answer. Reduce your payments to ease the strain on your monthly expenses. Feel free to engage our leased facilities as We have provided over $2 Billion in business loans to over 25,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 8 hours of successful application.

* Personal loans
* Debt consolidation loan
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* Truck Loans
* Car Loans
* Real Estate Loans
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We offer loans from a minimum range of $5,000 to a maximum of $500 million, Abigail Mills loan company services Will give you loan with an affordable interest rate of 2% and loan duration of 1 to 20 years to pay back the loan (secure and unsecured). Our aim is to provide Excellent Professional Financial Services. Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved. Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable..
Email us via: abigailmills.loans227@gmail.com.

Yours Sincerely,
Mrs. Abigail Mills.

We are certified and offer fast and reliable services….

Abigail Mills said...

My name is Gwendolyn Shirley Tammie and i am from Houston,Texas in USA i just received my loan from Abigail Mills loan company right now and i have heard about this company and i thought it was a fake company but now i am so happy this company helped me and 100% this company is real so anyone that need a loan this is the right company to apply from now i applied for a loan for my business of 250,000.00 USD and this company helped me without delay i am so happy i am testifying this company because i saw other people do it and i am happy to be among the people who shares testimony on how this company helped me so everyone if you need a real loan your helper is here. their contact information is abigailmills.loans227@gmail.com

Abigail Mills said...

My name is Annette Kim Bailey I am from Ohio USA. I want to use my little time to write to the internet to people in need of a real loan that if you need a loan without getting cheated Abigail Mills is the right company to apply from i am a teacher of Mathematics and English and i was cheated 2 time by a fake company who clam to be lenders but i no longer worry because Abigail Mills has already helped me so if you need an urgent loan to do anything this company is going to put a smile to your face i have also introduced most of my friends to this company and only 2 of my friends told me they have received there loans already one of my friend received a loan of $38,000.00 dollars and the other of my friend received the sum of $75,000.00 dollars so anyone in need of an online loan apply from this company and you will be happy no doubt about that because this company is really helpful and God will continue to use them to help people in need of a loan. If you need an online loan apply from this company and contact them via this means email address abigailmills.loans227@gmail.com and also you can contact them via Whatsapp +1 (903)378-6704. Regards to anyone who reads my messages.

Abigail Mills said...

All thanks to Abigail Mills for helping me with my loan after been scammed 6 times by fake people who clams to be loan lenders.

My name is Rethabile Grace Thandolwethu i am from South Africa and i live in the city of Johannesburg. A month ago i was searching for an online loan and i saw different loan lender on the internet and with some fake testimonies and i applied from them and all i got was scammers i applied more than 6 companies and i was cheated all the way. So i gave up hope until i decided to check again if i will find help as i was searching and i settled down to look for a legit loan company i found this company named Abigail Mills loan company i saw a lot of testimonies that people comment about her but because i was cheated severally i thought it was a scam but i did what i was asked to do and i waited for my loan and Mrs Abigail Mills told me in less than 8 hours time you be with my loan safely i did not believe cause i thought it was also a scam so that day it was night time in South Africa and i slept off the nest morning as i woke up i received an alert from my bank that there is money on my account and immediately i called my bank to confirm and the bank manger told me to come to the bank immediately and i went immediately the bank got opened as the bank manager checked my account we saw an amount of $135,000.00 USD that is United States Dollars and i explained to my manager that i applied for a loan online and my bank manager was shocked if there was still a real and legit loan company online i am so happy all thanks to Abigail Mills i decided to write on the internet because i saw other people do it and testify about this company that is why i am posting this message online to anyone that need a loan even if you have been cheated before apply from this company and be rest assured that this company won't let you down. My Regards to anyone that reads my message and you can contact this company via mail abigailmills.loans227@gmail.com they also use Whatsapp which the number is +1 (903)378-6704. Once again my regards to anyone that reads my message and i pray you are happy as i am today with this company because i am bring more people to this company to help.

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elliotoliveloanfirm said...

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Contact name: Mr . Smith Anderson for his service is strictly for workers/those
that do day to day work at least 20 hours and students charity.

Note: We offer only Commercial /Small Business Administrative loans(SBA),
Personal /Residential and Mortgage loan at 1.3% interest; apply for a Minimum
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FULL NAME:
RESIDENT ADDRESS:
COUNTRY:
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CELLMOBILE PHONE:

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