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Friday, 31 January 2014

Papua New Guinea University of Technology Opening Academic Year, 3rd of February 2014: video address by the Vice-Chancellor, Dr. Albert Schram

Youtube Video: http://www.youtube.com/watch?v=SOyjVV9p8Po

Dr. Albert Schram in Australia
This is my video address to all Students, Professional Staff, and Faculty of the Papua New Guinea University of Technology at the start of the academic year 2014.

Today, we are exited and delighted to welcome over 900 new students from all over Papua New Guinea and several from other Pacific Islands to UNITECH. This is almost 10% more than last year, and the largest number of incoming students in UNITECH's 48 year history. As Vice-Chancellor, it is a special pleasure for me to say to all incoming first year students: "Welcome to UNITECH!".

I am sorry that I have to address you from my exile in Australia, because I have not yet been granted a new employment visa, which is a legal requirement for my return to PNG. Although in all these months I have never been legally dismissed by the UNITECH Council - the news that I have been reinstated therefore is greatly exagerated -, my first employment visa was cancelled in March last year by the government without explanation, and I have not been issued a new one yet.

I will not speak of the great sadness this involuntary exile has caused in me, and the terrible insecurity my family has faced during all these months. I feel for the UNITECH community that has put all its hopes in our efforts to transform the institution. This was my promise as a candidate for the Vice-Chancellor's role in my presentation for council, staff and students on 8 June 2010 (Schram 2010b). The UNITECH community has been waiting patiently until today for that to happen, and for my return to campus.

I thank you for all the tremendous and loyal support you have shown me, and my wife Paulina. In particular, I want to thank the past and present Student Representative Council SRC Leadership: SRC President 2012 Joe Kaowai; this year's SRC president Eddy Nagual and Vice-Presidents Olsson Waram and Constance Kauwaba; the courageous students who staged the demonstration in Port Moresby on 12 December 2013; and all the students, who have shown tremendous support and risked their studies to defend UNITECH. It has not been a waste of time.

Many thanks to all who were courageous enough to act against political convenience, prudence and their own self interest, just to do what is right: Justin Kehatsin and Simon Sengi of NASA, Wilfred Pasanai of NSA, Micah Vines, Ken Polin, Chris Alu our Director at the Port Moresby office, the Chancellor Sir Nagora Bogan, the Pro-Chancellor Alan McLay; the Deputy and now Acting VC Prof. John Pumwa, who together with the Senior Management Team did a great job keeping the university running, all those helpful staff in the registry bursary, and administration of UNITECH, too many to mention. Your acts of extra-ordinary civil courage risking dismissal or worse, are gratefully acknowledged and will not be forgotten.

Finally, I want to thank my wife Paulina who not only left her job, home and family to come to PNG, but supported me throughout these difficult times.

Let me spend a few words on how the so-called UNITECH saga started in the first place, and make a historical comparison with the University of Leyden in the Netherlands in the 1940s. Next, I will speak about the future of the Higher Education Sector and UNITECH in Papua New Guinea. Lastly, and in line with tradition I will offer some words of advice to the first year students.

A- UNITECH SAGA. There is no peace without justice. There are times when academics have to stand up for each other. Once justice has been done the university and the country can again move forward. Let me illustrate this by a historical example from Europe.

As you know many European countries, including the Netherlands, were invaded by the German armies in the 1940s. The regime proceeded swiftly to order the Vice-Chancellors of the universities to sack all Jewish professors. Most Vice-Chancellors regrettably complied, except Prof. Cleveringa (CLEVERINGA), not a Jew himself (Ignatieff 2013).

In a famous speech he gave on 26 November 1940, Cleveringa resisted the racist policies. The German armies then were at the top of their power, and resistance seemed futile. The Dutch students were moved to tears by his words, sang the national anthem, and started to boycott classes. In response, the regime closed down all universities. Prof. Cleveringa was incarcerated, but survived the war, and so did his Jewish colleague, and both continued to work together at the university.

After the war the reputation of the University whose motto is "bastion of liberty" (praesidium libertatis) had further increased, due to Cleveringa's act of civic courage and resistance to unlawful policies. As a consequence, its academics played an important in reconstruction of the country, when the rule of law had been restored.

Let us recall of how the UNITECH saga started. Please note, it was never in our interest to prolong the saga or make it so public, and it is the responsibility of our adversaries that is has gone on for so such a long time.

In 2012, UNITECH we were faced with a hostile Council, which has since been dissolved, and from December onwards with a hostile Minister of Higher Education. We had to protect a member of our management team from unjustified attempts by the previous Chancellor to fire him, for no reason what so ever. Although later I became the prime target, the conflict therefore did not start with me, but when a colleague was threatened with dismissal for no legitimate reason.

On 28 December 2012 we suffered another attempt by the Minister of Higher Education Research Science and Technology HERST David Arore to reappoint a former Head of Department, we had just fired for incompetence. Soon afterwards on 8th of February came my first unlawful deportation. The second unlawful deportation on the 9th of March triggered student unrest, which however did not produce the desired result. Promises were made, but not kept. In April, I came to campus for the graduation and an interview with the investigation team, but had to leave prematurely, narrowly avoiding a third deportation. It was only then that I was notified my employment visa had been cancelled on 14th of March.

Since then there has been more than enough time to arrange my return, but until today there have been no results. The Sevua Investigation found no evidence for all the silly and baseless allegations in my regard, and was presented to the Prime Minister on 29th of May. Trying to expedite the process, I applied for a new visa at the on 26 August. Council endorsed me twice in August and in December. Until today no news on my employment visa, not even a proof the application has been lodged.

On 20 December 2013, Minister of Higher Education HERST David Arore again cast doubt on my good name in a bizarre performance on national television, and tried to instruct council to dismiss me. It seems the Minister is confused about his role, trying to tell the autonomous UNITECH Council what to do. It is indeed a serious impingement on academic freedom.

Throughout these events, Prof. Cleveringa's civic courage stayed in my mind. Although the price for defending institutional autonomy and academic freedom can be high, we have to continue to do what is right, always.

An important lesson from any conflict is that, only after justice has been done, peace and stability can arise. In 2012, for example, we were able to appoint a new Chancellor, Sir Nagora Bogan, a long-serving and respected PNG diplomat, and citizen of Lae. The Chancellor is the chairman of the Council, or board, which as a body is the supreme authority at UNITECH. He managed to stabilise the Council and slowly end the infighting.


B- FUTURE OF HIGHER EDUCATION SECTOR IN PNG. It is not just UNITECH that is in trouble. The following issues for all PNG public universities need to be addressed urgently:

  1. to establish properly organised university administrative systems in order to end mismanagement, favouritism, and corruption. 
  2. to stop political interference and cronyism, and respect the autonomy of the University Councils and Academic Boards (or Senate at UPNG) as established by the University Acts, 
  3. to assure the promised infrastructure funding is transferred immediately to the public universities in a transparent manner, and 
  4. to stop new fly-by-night private universities from entering the country for a price, and selling a parody of a university education to unsuspecting students.

All this is NOT hard to do: it requires adequate university management, and the political will of the government to carry out its agreed and published higher education policies, including the reduction of the size of the university councils at UPNG and UNITECH. We beg Prime Minister to start implementing the government's higher education policies.

In the 12 months, for example, that I was on campus as Vice-Chancellor, I was able to start up many projects. The management team, staff and students stepped up, and carried them out with vigour, and in a constructive spirit. Leading after all is getting things done through others, and giving them credit for it.

Since not all of the following is known, and there has been much ill-informed talk about it, allow me to list what my management team together with UNITECH staff and students accomplished. Apart from the appointment of the new Chancellor, we managed to make significant progress in dealing with legacy issues in four main areas:

1- Provide a more strategized approach to academic leadership and create better working relationships on campus: installed an effective Acting Management Team, brought communication into the 21st century on campus by giving email enabled blackberries to all Head of Departments and Directors; created a Staff and Student Representatives Advisory Committee and thus build much better relations on campus among staff and students; ended with the SRC student groups fighting on campus, in return for better teaching and better student services; started strategy development and implementation oriented towards exceeding students expectations (Schram 2013) (Schram 2014).

2- Improve academic quality of teaching and research: hired over 20 Faculty members with PhDs, and built houses for them; started with international institutional accreditation, approved by Academic Board and supported by AusAid; started with professional accreditation of engineering programs; reorganise and develop the graduate programs, and appoint a Dean of Graduate Studies Dr. Shamsul Akanda; had the MBA approved by the Academic Board and started after 20 years of discussions; installed industrial advisory committees for all departments to assure the relevance of the programs for the employers of our graduates.

3- Improve learning opportunities and create more activities for students: increased the number of international scholarships for students; increased research funding, and start with international student exchange with Europe through the Erasmus Mundus programs (Schram 2010a); started experimenting with the entrepreneurship program; helped the SRC organise the first Cultural Show after 3 years; organised the first Open Day for all departments after 6 years.

4- Upgrade infrastructure and provide better services on campus: negotiated a 50% rate cut with Digicel in off-peak, night hours, offered Wifi for students; had the campus roads resealed; installed an ATM on campus; reopened the staff restaurant, the “Kofi Haus” and started mosquito spraying for reducing malaria incidence.

Much of this has been continued in 2013 by the Acting Management team I left in place after my departure. When proper governance is restored at UNITECH, and I will return on campus, we will be able to continue this work, and initiate new projects which will benefit students and staff directly. The full benefits of our strategy to transform UNITECH are yet to come.

If it can get its act together, UNITECH can count on the support and help of many alumni, industry partners, supporters and friends. After my mission to Singapore and India last year, for example, we can obtain better and cheaper internet, saving students hundreds of Kina per month in Digicel credits. We will also be able to import much cheaper textbooks from India, saving students thousands of Kina per year.

In Australia, we can engage in public private partnership that will allow our students to obtain internationally recognised certificates. We can receive help from our university partners from all over the world. In Europe, UNITECH has been included as associate partner in an increasing number of Erasmus Mundus projects, which will allow students to study degree programs in Europe, and staff to spend time on study visits.

Meanwhile, we will continue to lobby the government to transfer the promised infrastructure funding, and implement a salary review by increasing the salaries for all UNITECH staff. We implore the Prime Minister to assure the implementation of its approved higher education policies, return my employment visa, respect the decision of the autonomous UNITECH Council (Jackson, 9 Jan 2014). We request the release the funding for the Kina-for-Kina commitment of the Australian government agree between the Somare and Rudd governments, the 500 Million Kina promised for the university system by the O'Neill government, and the 180 Million Kina for the accreditation of the engineering programs at UNITECH.

C- WORDS OF ADVICE. Thirdly, in line with tradition, some words of advice and encouragement to our new students.

Today, we celebrate that you are part of an international learning community with a universal mission. Any university has a universal mission of providing high quality research, teaching and outreach. But UNITECH is special as a university: we stimulate the critical evaluation of science and technology for Papua New Guinea and the Pacific. This is what we are supposed to be doing, this is our ideal.

You are part of this community, because you came here to learn and to be educated. At all time, you must follow the university rules, which ensure that others have the opportunity to learn. Unlike secondary school, at university you need to become a self-directed learner. Once you have learned how to learn, you must continue learning during your whole life.

As to your education, extra-curricular and civic activities play an important role. University is more than doing your assignments and passing your exams. Only at University will you forge friendships with people with a completely different background and values. You will learn to respect each other, and value diversity. You should therefore continue to be active in your Church and civic organisations. In addition, here on campus you can become active in sports activities, departmental associations, provincial groups, organisation of events, and the SRC. All this is essential to develop your character and leadership skills.

Let me close now. We must not allow others to erode inclusive and democratic institutions, such as universities (Acemoglu and Robinson 2012). Inclusive institutions provide the rules, the organisation, and the transparency, which allow the spread of economic prosperity and political responsibility widely among the population. As the Prime Minister has repeatedly said, corruption undermines these type of institutions, and has no place in PNG. Without such institutions, Papua New Guinea will continue on its narrow path of economic growth reflected in the official statistics, but without development for the largest part of the population.

We have one last chance to get this right now for UNITECH, and defend it as an autonomous, academic and public institution. Together, we must continue on this path, and achieve the necessary transformation of UNITECH in order to make this great institution live up to the promise contained in its mission.

Let me to end with reminding ourselves of why we are part of this great learning community called UNITECH in the words of the great Italian poet, Dante Alighieri from the early 13th Century in Italian:

Considerate la vostra semenza:
fatti non foste a viver come bruti,
ma per seguir virtute e canoscenza.

Consider your origin as human beings;
you were not born to live like brutes,
but to follow virtue, justice and knowledge.

(Dante Alighieri La Divina Commedia Canto XXVI, lines 118-120.)

Thank you for your attention.

(Updates will be posted on my Facebook page http://facebook.com/albert.schram).



References
Acemoglu, Daron, and James A Robinson. 2012. Why Nations Fail: The Origins of Power, Prosperity and Poverty. New York: Crown Publishers.

Universiteit Leiden. 2014. “Leiden Classics: Cleveringa’s Protest - Articles - News & Events.” Accessed February 2. http://news.leiden.edu/dossiers/cleveringa-dossier/articles/leiden-classics-cleveringas-protest-against-the-anti-jewish-measures.html.

Ignatieff, Michael. 2013. “Civil Courage and the Moral Imagination” presented at the Cleveringa Lecture, November 26, Leiden. http://media.leidenuniv.nl/legacy/cleveringa-oratie-2013-michael-ignatieff.pdf.

Jackson, K. [PNGAttitude]. (2014, Jan 09). You can't govern #PNG effectively by faffing about, Peter - you should get this #Unitech disgrace sorted today http://t.co/Y3wlfZU1sc [Tweet]. Retrieved from https://twitter.com/PNGAttitude/status/421179184161890304

Schram, Albert. 2010. “The Social Responsibility of the University as Producer of New Knowledge.” In Proceedings of the World Universities Congress, Canakkale Onzekiz Mart University (Canakkale, Turkey 20-24 October 2010). Canakkale, Turkey.

———. 2011. “The Development of Universities in Low and Middle Income Countries” presented at the Papua New Guinea University of Technology: presentation of Vice-Chancellor Candidates for staff and students, June 8, Lae. http://bit.ly/1bH2V6j.

———. 2013. “The Global Expansion Of Higher Education: Are Low Income Countries Catching Up?” In Lae, Papua New Guinea: Papua New Guinea University of Technology. http://bit.ly/1cHnJ18.

———. 2014. “Leadership, Strategic Planning and Strategic Management for Higher Education Institutions in Developing Countries.” In World Business and Economics Research Conference. Auckland, New Zealand: Journal of Management. http://bit.ly/1d4iJNO.

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  1. Here is my video talk for the opening of the academic year.

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  2. Awesome speech. Thanks for your heart to serve our people!

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    1. It is my life's mission to contribute to positive change at universities in developing countries. For me it has been a special pleasure and honour to contribute to the transformation of UNITECH. We will see it through, together we can do it.

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  3. Thank you for providing your speech online and at least every stakeholders and those of us who where part of the fight for justice can see the outcome of the time and effort we sacrifices during UNITECH SAGA.

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    1. Thank you for your comment. It is clear what needs to be done at UNITECH, so let's do it!

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    1. Thank you Dr Schram. The good Lord sees the heart of a good person and rewards it accordingly..With God all things are POSSIBLE

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  5. Thank you VC Dr. Schram for the wonderful speech. We are still waiting for your return at Unitech.

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    1. Thank you. Still waiting, no news on my employment visa.

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  6. A wonderful person with a great and noble heart. . Solider on Dr Schram..you have met your life' s challenge. May God bless you.

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    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    ReplyDelete
  16. i want to appreciate jackson west of accesscredits@yahoo.com for helping me to get an urgent loan i have been scammed total of $6700 by different fake loan lenders and i was at a point of selling my properties to make ends meet. until i saw a post on the internet on how a friend from Germany got her loan from the firm access credits and i also applied with same faith. and i got my loan with no stress after agreeing to the repayment terms and conditions of the firm. avoid internet scammers now! if you are in need for a loan to start up a business, car loan, medical bills, projects loans, education etc. contact the firm access credits via email.Accesscredits@yahoo.com

    ReplyDelete
  17. Good Day

    Do you need an urgent loan to solve your financial needs, We Offer loan ranging from $ 5,000.00 to $ 10,000,000.00 Max, we are reliable, efficient, Fast and dynamic,with 100% Guaranteed We also gives out loan in ( Euros,Pounds and Dollars. ) The Interest rate applicable to all Loans is (2%, ) if you are interested get back to us via ( mrfavourinvestment@outlook.com )

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    ReplyDelete
  18. Do you need an urgent loan or any other financial assistance?
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    full name

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    ReplyDelete
  19. My name is Andy James currently living in Zurich Switzerland,Am writing this letter because am really grateful for what Elvin Morrison did for me and my family when I thought there was no hope he came and make a way for me and my family by lending us loan at a very low interest rate of 2%. I never thought that there are still God sent and genuine loan lenders on the web but to my greatest surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would like to recommend you to Elvin Morrison the Managing director of Elvin Loan Company because he is a God sent man that can change your life forever, So if you really want to make a better life without any fund scarcity I would advise you to get in touch with him through this e-mail below elvinloancompany@yahoo.com or call on +13072132540.

    ReplyDelete
  20. May The Peace Of The Lord Be With You.
    Are you a business man or woman? Are you in any
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    such as
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    informations needed

    Name:……………………………………
    Country: …………………………………..
    Address:……………………………………
    MaritalStatus:…………………………………
    Sex:………………..Age…………………..
    Loan Amount Needed:…………………….
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    Personal Mobile Number:…………………..
    Monthly Income:……………………………….

    email:pastorwilliansloanfirm@hotmail.com
    Thanks And God Bless

    ReplyDelete
  21. Dear Applicant,

    i am Mr Scott Larry, and i am a legit loan lender,who gives out loan with a very low interest rate of 3% which is negotiable.

    We give out all kind of loan like Educational loan, Business loan, home loan, Agricultural loan, Personal loan, auto loan ETC.

    I also give out loans from the rang of 5,000 - 50,000,000.00 at a reduced 3% interest rate. Duration of 1 - 30 years depending on the amount you need as loan. Get back to us for more information via: greenworldloanfirm@gmail.com or greenworldloanfirm@yahoo.com.



    I await your response,
    Remain Blessed,

    Mr. Scott Larry

    ReplyDelete
  22. re you a business man or woman? Are you in a financial mess or do You need funds to start your own business? Need to pay loans Their Debt or pay off your bills or start a nice business? Do you have a low credit score and you will find it hard to get Capital loan from local banks / other financial institutions? You need one Loan or funding for any reason such as:Email:detlevjonasfunds@outlook.com

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    ReplyDelete





  23. Greetings,


    We @ CURTIZ MORGAN LOAN FIRMS invite you to partner with us and benefit in
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    BEST REGARDS,

    CURTIZ MORGAN

    ReplyDelete





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    ReplyDelete
  25. Welcome To Dr. Powell Garcia Loan 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?.

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    ReplyDelete
  26. Best Place To Get A Solution To Your Financial Problems (Lexieloancompany@yahoo.com)!!!

    My Name is Nicole Marie, I live in USA and life is worth living comfortably for me and my family now and i really have never seen goodness shown to me this much in my life, As i am a struggling mum with two kids and i have been going through a serious problem as my husband encountered a terrible accident last two weeks, and the doctors stated that he needs to undergo a delicate surgery for him to be able to walk again and i could not afford the bills for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i ran to my father and he was not able to help me, then when i was browsing through yahoo answers i came across a God fearing man (Mr Martinez Lexie) who provides loans at an affordable interest rate and i have been hearing about so many scams on the Internet mostly Africa, but at this my desperate situation, i had no choice than to give it an attempt due to the fact that the company is from United State of America, and surprisingly it was all like a dream, i received a loan of $82,000.00 USD and i payed for my husband surgery and thank GOD today he is ok and can walk, my family is happy and i said to myself that i will shout to the world the wonders this great and God fearing Man Mr Martinez Lexie did for me and my family; so if anyone is in genuine and serious need of a loan do contact this GOD fearing man via Email: ( Lexieloancompany@yahoo.com ) or through the Company website: http://lexieloans.bravesites.com OR text: +18168926958 thanks


    ReplyDelete
  27. Do you need Financial Assistance?
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    ReplyDelete
  28. Do you need Financial Assistance?
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    ReplyDelete
  29. Do you need Financial Assistance?
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    ReplyDelete
  30. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
    2. Telephone Numbers:……….
    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
    6. Purpose Of Loan………….
    7. country…………………
    8. phone…………………..
    9. occupation………………
    10.age/sex…………………
    11.Monthly Income…………..
    12.Email……………..

    Regards.
    Managements
    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete

  31. We give out loan to interested inviduals who are seeking loan with good faith.Are you
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    DO YOU NEED A BUSINESS LOAN OR UNSECURED LOANS OR PRIVATE LOAN

    ReplyDelete
  32. My name is Mrs Karen Kesby. I live in Texas USA and i am a very happy woman today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them.They gave me and my family happiness, i was in need of a loan of $180,000.00 to start my life all over as a widowed with 2 kids I meant this honest and GOD fearing loan lending company online that helped me with a loan of $180,000.00 U.S. Dollar, They are indeed GOD fearing People, A reputable loan company.

    I am very happy i got my loan from them last week. If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs Karen Kesbyrefer you to them. contact via E_mail: peterjacksonloan@gmail.com.

    Mrs Karen Kesby

    Testimony on how i got my loan

    ReplyDelete
  33. Does your firm,company or industry need financial assistance? Do you need finance to start your business? Do you need finance to expand your business? Do you need personal loan? contact us at Email: (macrofinancelimited@gmail.com)

    ReplyDelete
  34. Are you in need of a personal or business loan @ 4% interest rate? if yes
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    ReplyDelete
  35. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
    2. Telephone Numbers:……….
    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
    6. Purpose Of Loan………….
    7. country…………………
    8. phone…………………..
    9. occupation………………
    10.age/sex…………………
    11.Monthly Income…………..
    12.Email……………..

    Regards.
    Managements
    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  36. Hello Everyone,

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    ReplyDelete
  37. How i got my Desired Loan Amount from a Reliable Loan Company (Alexloancompany@yahoo.com)

    Good day everybody am Ketesha Frank By name am from the United State Of America i want to give thanks and a great appreciation to Mr Adolf Alex Loan Company for offering me loan for purchasing my house with a low interest rate. I want to give thanks to him for giving me this loan. My friends out there who needs loan for different purposes i advice you contact Mr Adolf Alex Loan Company for loan instead of falling in to hands of Scammers online. Am happy today because of Mr Adolf Alex Loan Company. So if you want to contact them for a loan you contact them on: ( Alexloancompany@yahoo.com)or Text: +1 571-322-5806

    ReplyDelete
  38. Need a loan? If so, we rented at a low offer interest rate 2% and no credit check, we offer personal loans, debt consolidation, venture capital, business loans, education loans, loans or "loans for any reason. However, our method allows for an opportunity to explain the required amount of loan and can not afford the time to deniel.cavenee.investment@outlook.com.

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    ReplyDelete
  39. Hello sir/Madam,

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    Remain Blessed,
    Mr Mark Perry.

    ReplyDelete
  40. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
    2. Telephone Numbers:……….
    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
    6. Purpose Of Loan………….
    7. country…………………
    8. phone…………………..
    9. occupation………………
    10.age/sex…………………
    11.Monthly Income…………..
    12.Email……………..

    Regards.
    Managements
    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  41. Hello Everybody, My name is Mrs Sharon Sim. I live in singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com)

    ReplyDelete
  42. WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.
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    ReplyDelete
  43. WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.
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    ReplyDelete
  44. Affordable Loan Offer
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  48. TAKE A LOAN @ 2% INTEREST RATE with Victoriafinancier@outlook.com

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    ReplyDelete
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  52. Affordable Loan Offer
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  53. Affordable Loan Offer
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  54. Affordable Loan Offer
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  55. Are you in any financial mess and you need cash help, or do you need funds to start up your own business? Or to settle your debt, even to pay off your bills and start a nice business? we offer all kinds of finance at a low interest rate of 3%. If you are in any financial difficulties you need to contact us now for more information. grameenkootafinancial@gmail.com

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  56. Hello Everybody.
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  59. GET FAST SECURED AND UNSECURED LOANS
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  63. DO YOU NEED A LOAN TO START A BEFITTING NEW YEAR!!!!!!

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  64. DO YOU NEED FINANCIAL ASSISTANCE?
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    Personal loans may not be right for every borrower looking for a home improvement loan. For example, if you have significant equity in your home and are looking to borrow a large amount, you might be able to save money with lower interest rates on a home equity loan. Also, interest payments on home equity loans and lines of credit can be tax deductible under certain circumstances – that’s not the case with personal loans.
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  65. DO YOU NEED FINANCIAL ASSISTANCE?
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    Personal loans may not be right for every borrower looking for a home improvement loan. For example, if you have significant equity in your home and are looking to borrow a large amount, you might be able to save money with lower interest rates on a home equity loan. Also, interest payments on home equity loans and lines of credit can be tax deductible under certain circumstances – that’s not the case with personal loans.
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    *Borrowers in lower home value markets (if your home value has barely budged since you moved in, you may not have much equity to draw on for a home equity loan)
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    *Borrowers with great credit and cash flow

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    ReplyDelete
  66. Hello.

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  69. A PART TO FOREVER FINANCIAL FREEDOM
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    Hello, My name is Christopher Palmer, a resident of 1630 Birch Street, Scranton PA United State, I am here to testify of how i got my loan from Joan Felch Loan Company. after i applied Two times from various loan lenders who claimed to be lenders right here this forum, i thought their lending was real and i applied but they never gave me loan until a friend of mine introduced me to Joan Felch Loan Company, who promised to help me with a loan of my desire and they really did as he promised without any form of delay, I had doubts but i never seized to believe. I never thought there are still reliable loan lenders until I met Joan Felch, who really helped me with my loan and changed my life for the better. I know there are still many good lenders out there but i would advise you out there looking for reliable loan lender to try Joan Felch Loan Company, they are caring and understanding. don’t know if you are in need of an urgent loan also or want funding for your projects, So feel free to contact Joan Felch Loans Company today. his email address is (joanfelchloanhome@gmail.com or jfloanlendingcompany@yahoo.com ) or TEXT/CALL via +1(254) 881-9936

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  71. DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN?

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  74. Are you in any financial problem? Do you need quick loans to clear your debit and get back to business. Please do provide us with the following below via Email:dereknels
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    I lost everything like it was the end of the world, my family were driven out of our home because I couldn't pay my bills anymore, i applied from various company but all to no avail i end up being scammed by this fake companies claiming to be lender and denied a loan by my bank as well as credit unions I visited. i was homeless, i was bored and felt like it was the end of the world, i prayed so hard to God so he can help me, i cried day and night, to God be the glory One day i meant an old friend of mine who introduced me to this God fearing loan company davisloancompany@yahoo.com At first I told him that I am not ready to take any risk of requesting a loan online anymore,but he assured me that I will receive my loan from them on a second thought due to my current situation and condition I took a trial and applied for the loan, I filled the loan application form and proceeded with all that was requested of me,so Luckily as God would have it, this great and God fearing company granted me a loan of $200,000.00 which i actually applied for from this company a God sent loan lender, i know many people are out there passing through so much pain right now all in the name of getting a loan i will strongly advise you all to get your loan today from this company You can get in contact with this great company via email at [davisloancompany@yahoo.com] OR CALL/TEXT +{424} 772-2156

    ReplyDelete
  77. My name is Marian i live in west Virginia and i am a happy woman today, I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to them.I would like to bring this to the notice of the public about how i meet martins Walters after i lost my job and being denied loan by my bank and other financial institution due to my credit score. I could not pay my children’s fees,I was behind on bills, about to be thrown out of the house due to my inability to pay my rent, It was during this period my kids were taken from me by foster care. Then i set out to seek for funds online where i lost $3,670 that i borrowed from friends which i was rip off by two companies. Until i read about: martinswalters28@gmail.com
    where i was granted a loan to pay up my debts and to start up a business. You can contact them through the email above or martinswaltersloanfirm@yahoo.com. I am doing this to save as many that are in need of a loan not to be victim of scams on the internet.

    ReplyDelete
  78. DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN?

    We have provided over $1 Billion in business loans to over 15,000 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 $5,000 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? Dr. Ezra Sebastian Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (ezrasebastianloans@gmail.com)

    DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%
    EZRA SEBASTIAN LOAN HOME, (ezrasebastianloans@gmail.com) aims is to provide Excellent Professional Financial Services.

    Our services include the following:

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    * Personal Loans
    * Debt consolidation loans
    * Car Loans
    * Business Loans
    * Education Loans
    * Mortgage
    *Refinancing Loans
    * Home Loans

    We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). 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 (ezrasebastianloans@gmail.com)

    NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

    Yours Sincerely,
    Dr. Ezra Sebastian
    +1 (850)846-6235
    We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.


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    ReplyDelete

  79. Hi people ,iam Larissa April,Last year, i had health issue and due to this reason i was advised by my doctor to always move on a vehicle in order to avoid the total loose of strength since my place of work was far from where i and my husband reside , i told my husband about my plans to get a loan since there was no other means so that i can get a good car of my choice but my husband instructed and advise that i shouldn't apply for a loan online because almost all loan lenders online are fake and fraudulent in there actions so i had to suffer the stress of not moving on a car for some months and i later made up my mind to apply for an online loan because i wasn't having any other choice at that point but still i was advised by my siblings to apply for a bank loan instead of an online loan especially due to the current ongoing news about online scammers but all effort to get a loan from my bank didn't work through because i was having a bad credit report so with all this issues i had to get my mind crossed by applying for a loan online although i wont say that i was so perfect or very careful for not been scammed but i strongly believe that it was the lords mercy of God that directed me to the AMEIR MILLER CLASSIC FINANCIAL INSTITUTE . the great news is that i got my loan funds very fast and easily and this came to the surprise of my husband and my siblings who had earlier on discouraged me on this online loan issue and the most surprising of all was that i was granted this loan funds at a very cheap interest rate if %2.5 percent ... i am grateful for this car loan and i am also grateful to the AMEIR MILLER LOAN FOUNDATION FOR THERE transparency and total support , you can reach them on email : ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , text +1 252-585-5014 ameirmillerapprovedloans@usa.com ,ameirmillerfinancialinstitute@gmail.com

    ReplyDelete

  80. Hi people ,iam Larissa April,Last year, i had health issue and due to this reason i was advised by my doctor to always move on a vehicle in order to avoid the total loose of strength since my place of work was far from where i and my husband reside , i told my husband about my plans to get a loan since there was no other means so that i can get a good car of my choice but my husband instructed and advise that i shouldn't apply for a loan online because almost all loan lenders online are fake and fraudulent in there actions so i had to suffer the stress of not moving on a car for some months and i later made up my mind to apply for an online loan because i wasn't having any other choice at that point but still i was advised by my siblings to apply for a bank loan instead of an online loan especially due to the current ongoing news about online scammers but all effort to get a loan from my bank didn't work through because i was having a bad credit report so with all this issues i had to get my mind crossed by applying for a loan online although i wont say that i was so perfect or very careful for not been scammed but i strongly believe that it was the lords mercy of God that directed me to the AMEIR MILLER CLASSIC FINANCIAL INSTITUTE . the great news is that i got my loan funds very fast and easily and this came to the surprise of my husband and my siblings who had earlier on discouraged me on this online loan issue and the most surprising of all was that i was granted this loan funds at a very cheap interest rate if %2.5 percent ... i am grateful for this car loan and i am also grateful to the AMEIR MILLER LOAN FOUNDATION FOR THERE transparency and total support , you can reach them on email : ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , text +1 252-585-5014 ameirmillerapprovedloans@usa.com ,ameirmillerfinancialinstitute@gmail.com

    ReplyDelete
  81. Good Day Everyone,
    We are Christian Organization formed to help people in needs of helps,such as financial help.So if you are going through financial difficulty or you are in any financial mess,and you need funds to start up your own business,or you need loan to settle your debt or pay off your bills,start a nice business, or you are finding it hard to obtain capital loan from local banks,contact us today via email barbarahodgeloanfirm@gmail.com. for the bible says””Luke 11:10 Everyone who asks receives; he who seeks finds; and to him who knocks, the door will be opened”.So do not let these opportunity pass you by because Jesus is the same yesterday, today and forever more.Please these is for serious minded and God fearing People.
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    Awaiting your swift reply.

    ReplyDelete

  82. Hello,

    Are you tired of Seeking Loans and Mortgages, have you been turned down constantly By your banks and other Financial Institutions or micro finance scheme. This is to let you know with 100% guarantee that we Offer loans ranging from $ 5,000 to $ 500,000,000 at 3% interest rate per Month. We give out LOANS for developing business a competitive edge/business expansion.

    Be rest assure that We are certified, trustworthy, reliable, efficient, Fast and dynamic. and a co-operate financier for real estate and any kinds of business financing, we give out long term loan for 6 Month to 30 years maximum and all interest rate and calculate and allow to be pay annually.

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    ReplyDelete

  83. Hello,

    Are you tired of Seeking Loans and Mortgages, have you been turned down constantly By your banks and other Financial Institutions or micro finance scheme. This is to let you know with 100% guarantee that we Offer loans ranging from $ 5,000 to $ 500,000,000 at 3% interest rate per Month. We give out LOANS for developing business a competitive edge/business expansion.

    Be rest assure that We are certified, trustworthy, reliable, efficient, Fast and dynamic. and a co-operate financier for real estate and any kinds of business financing, we give out long term loan for 6 Month to 30 years maximum and all interest rate and calculate and allow to be pay annually.

    We offer the following kinds of loans and many more; We offer the following loans to individuals-

    contact us via our e-mail id below. (jorgebeckerlloans@gmail.com)

    Phone number:+12548819936

    *Personal Loans
    *Commercial Loans
    *Investments Loans
    *Development Loans
    *Consolidation Loans
    *Student Loans
    *Car Loans
    *Mortgage Loans
    *Acquisition Loans
    *Construction loans

    Business Loans And many More: If you are highly interested in our loan offer, kindly contact us via our e-mail id below. (jorgebeckerlloans@gmail.com)

    ReplyDelete
  84. DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN?

    We have provided over $1 Billion in business loans to over 15,000 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 $5,000 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? Dr. Ezra Sebastian Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (ezrasebastianloans@gmail.com)

    DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%
    EZRA SEBASTIAN LOAN HOME, (ezrasebastianloans@gmail.com) aims is to provide Excellent Professional Financial Services.

    Our services include the following:

    *Truck Loans
    * Personal Loans
    * Debt consolidation loans
    * Car Loans
    * Business Loans
    * Education Loans
    * Mortgage
    *Refinancing Loans
    * Home Loans

    We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). 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 (ezrasebastianloans@gmail.com)

    NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

    Yours Sincerely,
    Dr. Ezra Sebastian
    +1 (850)846-6235
    We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.


    Get your instant loan approval

    ReplyDelete
  85. Hi people ,iam Larissa April,Last year, i had health issue and due to this reason i was advised by my doctor to always move on a vehicle in order to avoid the total loose of strength since my place of work was far from where i and my husband reside , i told my husband about my plans to get a loan since there was no other means so that i can get a good car of my choice but my husband instructed and advise that i shouldn't apply for a loan online because almost all loan lenders online are fake and fraudulent in there actions so i had to suffer the stress of not moving on a car for some months and i later made up my mind to apply for an online loan because i wasn't having any other choice at that point but still i was advised by my siblings to apply for a bank loan instead of an online loan especially due to the current ongoing news about online scammers but all effort to get a loan from my bank didn't work through because i was having a bad credit report so with all this issues i had to get my mind crossed by applying for a loan online although i wont say that i was so perfect or very careful for not been scammed but i strongly believe that it was the lords mercy of God that directed me to the AMEIR MILLER CLASSIC FINANCIAL INSTITUTE . the great news is that i got my loan funds very fast and easily and this came to the surprise of my husband and my siblings who had earlier on discouraged me on this online loan issue and the most surprising of all was that i was granted this loan funds at a very cheap interest rate if %2.5 percent ... i am grateful for this car loan and i am also grateful to the AMEIR MILLER LOAN FOUNDATION FOR THERE transparency and total support , you can reach them on email : ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , text +1 252-585-5014 ameirmillerapprovedloans@usa.com ,ameirmillerfinancialinstitute@gmail.com

    ReplyDelete
  86. Hi people ,iam Larissa April,Last year, i had health issue and due to this reason i was advised by my doctor to always move on a vehicle in order to avoid the total loose of strength since my place of work was far from where i and my husband reside , i told my husband about my plans to get a loan since there was no other means so that i can get a good car of my choice but my husband instructed and advise that i shouldn't apply for a loan online because almost all loan lenders online are fake and fraudulent in there actions so i had to suffer the stress of not moving on a car for some months and i later made up my mind to apply for an online loan because i wasn't having any other choice at that point but still i was advised by my siblings to apply for a bank loan instead of an online loan especially due to the current ongoing news about online scammers but all effort to get a loan from my bank didn't work through because i was having a bad credit report so with all this issues i had to get my mind crossed by applying for a loan online although i wont say that i was so perfect or very careful for not been scammed but i strongly believe that it was the lords mercy of God that directed me to the AMEIR MILLER CLASSIC FINANCIAL INSTITUTE . the great news is that i got my loan funds very fast and easily and this came to the surprise of my husband and my siblings who had earlier on discouraged me on this online loan issue and the most surprising of all was that i was granted this loan funds at a very cheap interest rate if %2.5 percent ... i am grateful for this car loan and i am also grateful to the AMEIR MILLER LOAN FOUNDATION FOR THERE transparency and total support , you can reach them on email : ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , text +1 252-585-5014 ameirmillerapprovedloans@usa.com ,ameirmillerfinancialinstitute@gmail.com

    ReplyDelete