10/08/2015

The Skills Gap Illusion

Title: The Communication and Development Studies Curriculum at Papua New Guinea University of Technology: is it meeting industry requirements?

Lecture delivered at the Second Community Affairs and Business Development Workshop, 10-12 August 2015, Lae International Hotel.


The skills gap illusion

For a long time now, business leaders have been saying that the workforce lacks sufficient skills to fill 21st century jobs. Allegedly, this "skills gap" is holding back not just workers but businesses and the development of the economy.

In our view, there will always some problems finding people for specific jobs in specific industries. For those businesses that are having these problems, to a large degree the solutions are in their own hands. Specifically, they can start training programs, pay competitive wages, work with governments and universities to align programs to their needs, and step in with some extra investment in the educational institutions, where required.


Leadership

A few months ago, I received a letter from a large superanuation fund. It contained a number of complaints about the program our University offers, while not a single solution was proposed. The complaints ranged from our University not preparing people for C level positions, to not training accountants who could start on an entry level job.

Regarding the first complaint, it reveals a profound ignorance about what Universities can do. No University in the world trains people for a C-level position. One gets recruited for a similar position because of a mixture of education and training, and a track record of success.

The combination of education and good track record is critical. Career success depends as much on hard technical skills as on people and leadership skills. All universities can do, is to provide life-long learning opportunities through for example through our Executive MBA program in Lae.

All leadership is necessarily value-based leadership. If a leader does not show integrity, credibility goes down the drain and consequently any capability to influence or lead others. If there is a shortage of C level candidate in the country, that may have more to do with lack of sustained career success and leadership readiness than with hard, technical skills. It is evident the letter writer from the superannuation fund lacked leadership skills, since people who are successful leaders, seldom complain about problems without offering a number of solutions.

In the past, public Universities have not been very effective in addressing leadership issues, but we are trying to remedy this early on in the educational process. Following our vision statement, we are striving to be a student-centred, innovative and entrepreneurial university. We are introducing now project, case or problem based learning in all of our courses as part of our efforts to achieve provisional accreditation according to the Washington Accords.

Over the past few years, our Academic Board has approved several measures to change and update our courses. The Communication and Development Studies and the Business Studies departments addresses leadership skills in their undergraduate and their Masters programs. Personally, for example, with other colleagues I am offering a short course on "Leadership and Transparency" for young undergraduate students.

Basic Skills

Concerning the second complaint of our graduates not having the necessary skills for entry level jobs in their chosen professions, this has a more solid basis. We believe our accountants, scientists and engineers, for example, should have both general understanding relevant for their profession, as well as some basic skills.

A university, however, is not a skills training centre. If you look at our graduate profiles and learning outcomes descriptions, for example, they are general in nature. Our graduate accountants, social scientist and engineers, therefore, will require some specific, in-house training before they can do the job, and most reputable firms offer this type of training.

The major problems regarding skills seems to not to be the hard skills, but rather the soft people, organizational and leadership skills. In the USA the National Association of Colleges and Employers surveyed more than 200 employers about their top 10 priorities in new hires. Overwhelmingly, they wanted candidates who are team players, problem solvers and who can plan, organize and prioritize their work. Technical and computer-related know-how placed much further down the list

We are working to address the soft skills issue by introducing more student-centred pedagogical approaches such as problem, case and project-based teaching. In fact, as an accreditation requirement all our engineering courses need to have a project as part of the course.

The underlying issue, however, is that employers’ expectations for the skills of new graduates, for what they must invest in training, and for how much they need to pay their employees have grown increasingly out of step with reality.

If the skills gap were a real thing, the companies would train employees. Their cries of "there are not enough trained people" is a political cry, intended to prolong an arm-length attitude towards higher education, hoping to continue to externalize the costs for training and their practice to hire dirt cheap labour abroad.

Apart from this public posturing, when business are asked for their real opinions, they answer quite differently. According to a recent survey by the Association of American Colleges and Universities, for example, 80 percent of employers agree that, regardless of the major, every college student should acquire a foundation in the liberal arts and sciences, which offer the best preparation for leadership roles later on in life.

Skills Gap

Why do employers complain about this illusionary skills gap or graduates not meeting industry requirements? A malicious explanation is that they just are trying to minimize their own training costs.

There might be something else however. Maybe very few business have a good idea of how to train or education employees. Interestingly, companies that have strong in-house training programs, such as ExxonMobil, for example, do not complain so much about the skills gap, and engage actively with universities. Exxon Mobil is now chairing our Industrial Advisory Board which is guiding the curriculum revision in all our science and engineering programs, have invested in our general infrastructure, our labs and in our quality management systems.

If businesses were really serious about securing a stable pool of future employees, they are going to have to invest in young adults more comprehensively and earlier, and engage actively with universities like ours. Universities together with industry should set up comprehensive employment programs. Research shows that successful employment programs provide not just technical training and job opportunities but also mentoring, feedback, and real-life skills training. Young people do best when they receive behavioural coaching, training in workplace communication, scheduling, planning and time management, and counseling and monetary bonuses to reward good performance. A pedagogical approach that trains communication and people skills, rather than root learning and lecturing can do much to enhance the chances of career success for the graduates.

Our University has good experiences with the mining industry. With AusAid/DFAT funds, for example, the Chamber of Mines and Petroleum has been supporting our Mining Engineering Dept. sponsoring their library, conference and research activities, workshops, etc.

Regarding our Communication and Development Studies department, we are confident their curriculum is tailored to produce the graduate outcomes. It has been revised continuously over the last 5 years with the support of AusAid/DFAT and anthropology faculty of Australian National University. Our graduates not only work in the extractive industries like mining or other resource development sectors but all range of areas like NGO organization (eg. World vision, Exodus and others), government organizations, and private industries.

Although the Communication for Development program was established in partnership with the PNG Chamber Mines and Petroleum to educate people to work in the resource development sector (extractive industries), subjects have been added so that graduate can also work in different areas like Government, NGOs, and other private sector organizations. We must not limit the options of our graduates, who won't want to put all their eggs in one basket. The program is therefore a general humanities and social science based program with emphasis to the extractive industries.

Final Remarks

To sum up, the question "whether it meets industry requirements?" needs to be answered by a question: to what extent should it meet industry requirements?

Apart from those industries which employ our graduates, any curriculum needs to meet the higher education industry requirements, which are general in nature. Through our Academic Board we implement an elaborate quality management system, which is continuously being improved. Recently, for example, we instituted a Quality Assurance Team, which is making sure all quality measures are being followed through. ExxonMobil is sponsoring our system of external assessors who evaluate the integrity of our assessment procedures. The final test for our own quality as a higher education institution will be an external certification by an independent third party, and whether our graduates will be highly employable.

Companies that do not invest in employee training and career development should not complain about a skills gap or graduates not meeting industry requirements. We invite all companies to be part of the solution as partners, rather than complain as bystanders.

Therefore, contrary to my habit, I did not answer the letter from the superannuation fund, but I did step up our engagement with companies that put some time and resources towards helping us produce improve quality, and better alignments of our programs to their needs. Much good can come from listening to industry, though our responsibility is to ensure the right balance of fundamental people and leadership skills on the one hand, and technical skills on the other hand.

In order to facilitate industry engagement with our University, we created many opportunities during our academic year for companies to interact with the University community. This month we will hold the Career Fair on 27 and 28 August, where you can interact directly with our students. Meanwhile, by focusing on our graduate profiles we ensure that our graduates are not trained only for a single industry or company, but acquire the life-long learning skills that make the versatile and resilient employees and entrepreneurs.

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    ReplyDelete
  25. Do you need Financial Assistance?
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    ReplyDelete
  26. Do you need Financial Assistance?
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    ReplyDelete
  27. Welcome To Dr. Powell Garcia Loan Service…
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    ReplyDelete
  28. Hello, Do you need a loan from The most trusted and reliable company
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    ReplyDelete


  29. Do not use all of these Private Money Lender here.They are located in Nigeria, Ghana ,Turkey, France and Israel My name is Margret Buchan, I am from United State. Have you been looking for a loan?Do you need an urgent personal or business loan?contact Morris And Company Trust Fund Limited he help me with a loan of $800.000 some days ago after been scammed of $12000 from a woman claiming to be a loan lender but i thank God today that i got my loan worth $800.000.Feel free to contact the company for a genuine financial service. Email: morristrustfundlimited@hotmail.com +16477393756

    ReplyDelete
  30. Dear Customer Are you looking tired of loans and mortgages, have They were constantly turned down by your banks and other financial institutions, we offer any form loans to individuals and corporate bodies at low Interest you rate.If are interested in a Loan, do not hesitate to contact us today, we promise offer the best services ever.Just enter usury because a trial will convince you.What are your financial needs?You need a business loan?You need a personal loan?Do you want to buy a car?Do you want to refinance?Do you need a mortgage?You need a huge capital from start your Business proposal or expansion? Have you lost hope and They think there is no way out, and your financial Loads still exists?Apply today with the below Email Address:
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    ReplyDelete
    Replies
    1. BETTERMENT FUNDING {bettermentfunding@gmail.com}
      Hi everyone, i am Alexis Ohanian am so glade coming back to this great forum to testify about the help i received from Chester Brian. I was in desperate need of a loan in other to be free from debt and financial bondage that was place on me by my ex husband. It was really bad that i have to seek for help from Friends,family and even my bank but on one could assist me because my credit score was really bad. So i was browsing with my computer and saw some testimonies from people Chester Brian assisted with a loan, then i decided to contact him on his email {bettermentfunding@gmail.com}, then i received a mail from them and i did all that was asked from me. To my greatest surprise they transferred to my account the loan i requested and now i am so happy clearing my debt and have also started a business with the remaining amount to take care of myself and family. If you need a loan do contact the best loan lender of all time Chester Brian on his email: {bettermentfunding@gmail.com}S

      Delete
  31. Dear Customer Are you looking tired of loans and mortgages, have They were constantly turned down by your banks and other financial institutions, we offer any form loans to individuals and corporate bodies at low Interest you rate.If are interested in a Loan, do not hesitate to contact us today, we promise offer the best services ever.Just enter usury because a trial will convince you.What are your financial needs?You need a business loan?You need a personal loan?Do you want to buy a car?Do you want to refinance?Do you need a mortgage?You need a huge capital from start your Business proposal or expansion? Have you lost hope and They think there is no way out, and your financial Loads still exists?Apply today with the below Email Address:
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    ReplyDelete
  32. Have you been looking for a loan?Do you need an urgent personal or business loan?I received the sum of $3,000.000 some days ago after been scammed of $8500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $3,000.000.Feel free to contact the company for a genuine financial service. Morris and Company Trust Fund Limited is located in Canada (morristrustfundlimited@hotmail.com) Canada +16477393756 He is a trust worthy man. Thank you sir.

    ReplyDelete
  33. BEWARE OF FRAUDSTERS. Apply for any kind of loan here.
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    ReplyDelete

  34. Hello Loan Seekers,

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    ReplyDelete
  35. Words cant explain my gratitude to David Benjamin blank card company for helping me purchase the card which i have sought for years from other companies and have been scammed of my money. I saw a post by Clara and i took his email from there and also in less than 3 days i got my already programmed card at an affordable price and it was conveniently delivered no extra charges no stories told. If you wish to contact this company then davidbenjaminltd@outlook.com is the address and i assure you of qualified services.

    ReplyDelete
  36. 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


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

    ReplyDelete
  37. I have my ATM card already programmed to withdraw the maximum of $ 5,000 a day for a maximum of 84 days. I'm so happy with this because I got mine last week and I've used it to get $ 144,000. Mr Martins is giving the card just to help the poor and needy even though it is illegal but it is something nice and it is not like another scam pretending to have the ATM cards blank. And no one gets caught when using the card. I western union some money to him and to my greatest shock, the card was shipped to me in 18hrs.Get yours today ,just send an email to martinshackers22@gmail.com

    ReplyDelete
  38. Vai jums ir nepieciešams 100% Finance? Es varu noteikt jūsu finanšu vajadzībām ar muguras problēmas algu, kas ir iemesls, kāpēc mēs finansētu jums par tikai 2,5% Neatkarīgi no Jūsu apstākļiem, pašnodarbinātajiem, pensionāriem, ir slikta kredītu reitingu, mēs varētu palīdzēt. elastīgu atmaksas, sazinieties ar mums: asdafinanceltd@gmail.com

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  39. $$$ GENUINE LOAN WITH LOW INTEREST RATE APPLY $$$
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    ReplyDelete
  40. Dear Sir,

    We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease/sales, our bank instrument can be engage in PPP Trading, Discounting, signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffeur driven offers.

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    The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760,
    Description OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG/SBLC)
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    4. Age: One Year, One Month
    5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
    6. Delivery: Bank to Bank swift.
    7. Payment: MT-103 or MT760
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    We are ready to close leasing/purchasing with any interested client in few banking days, if interested do not hesitate to contact me.(WE MOVE FIRST)

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    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) 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………………
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    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  42. David Benjamin ATM company is indeed a wonderful place to be. For the past 6 months i have been paying money to several companies just to get me a loaded card and all have scammed me of my money without any delivery. I was told by a friend who got her card in less than 4 days of her applying to contact davidbenjaminltd@outlook.com and lo and behold i was told to make a delivery payment and part payment for the card balance when i receive the card and must have tested it. Am proud to announce to any one in need of a genuine hacker who is tired of loosing money to rippers to contact : davidbenjaminltd@outlook.com and get you card without any story telling.

    ReplyDelete
  43. Hack and take money directly from any ATM Machine Vault with the use of ATM Programmed Card which runs in automatic mode. email (ehibesthacker@gmail.com ) or call or whatsapp +2348062387084 for how to get it and its cost,and how to also hack credit cards and send the money to your self..

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    ReplyDelete
  44. My name is.Mrs.Juliet Quin. I live in Canada 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 $ 73,000.00 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 $ 73,000.00 Canada 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.Juliet Quin that refer you to him. Contact Dr Purva Pius via email: reply to email {urgentloan22@gmail.com}

    ReplyDelete
  45. Are you looking for a business loan, personal loans, mortgages, car
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  46. Hello viewers all over the world, There is good news for you all today get your Blank ATM card that works in all ATM machines all over the world. We have specially programmed ATM cards that can be used to hack ATM machines, the ATM cards can be used to withdraw at the ATM or swipe, at stores and POS. We give out this cards to all interested clients worldwide, the card has a daily withdrawal limit of $5,000 Dollars on ATM Machine and up to $55,000 Dollars spending limit in stores depending on the kind of card you order for and the amounts of money you need in the ATM CARD, From a minimum range of $10,000 to a maximum of $15 million Dollars, With our network hacking services (Sarkpaya Hackers) and other TOP PRIME AA HACKERS like NASA hackers, Legal Hackers, Ethical Hacker etc. 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, We are certified and your privacy is 100% safe with us. Worry no more about your financial problems, If you are in need of any other cyber hack services, we are here for you anytime, any day so contact us via our Email Address: sarkpayahackers@gmail.com

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  47. BETTERMENT FUNDING {bettermentfunding@gmail.com}
    Hi everyone, i am Alexis Ohanian am so glade coming back to this great forum to testify about the help i received from Chester Brian. I was in desperate need of a loan in other to be free from debt and financial bondage that was place on me by my ex husband. It was really bad that i have to seek for help from Friends,family and even my bank but on one could assist me because my credit score was really bad. So i was browsing with my computer and saw some testimonies from people Chester Brian assisted with a loan, then i decided to contact him on his email {bettermentfunding@gmail.com}, then i received a mail from them and i did all that was asked from me. To my greatest surprise they transferred to my account the loan i requested and now i am so happy clearing my debt and have also started a business with the remaining amount to take care of myself and family. If you need a loan do contact the best loan lender of all time Chester Brian on his email: {bettermentfunding@gmail.com}

    ReplyDelete
  48. We are Ireland based major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
    we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.
    DESCRIPTION OF INSTRUMENTS:
    1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)
    2. Total Face Value: 10M MIN to 50B MAX USD or Euro
    3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
    4. Age: One Year, One Day
    5. Leasing Price: 4+ 2%
    6. Sale Price: 32+2%
    7. Delivery by SWIFT .
    8. Payment: MT103-23
    9. Hard Copy: Bonded Courier within 7 banking days.
    If you have need for Corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN, we fund 100% of the face value of the financial instrument.
    Inquiries from agents/ brokers/ intermediaries are also welcomed; do get back to us if you are interested in any of our services and for quality service.
    Name : Robert O'Sullivan
    E-mail : osullivanr225@gmail.com
    Skype id : osullivanr225@gmail.com

    ReplyDelete

  49. We Facilitate Bank instruments SBLC for Lease and Purchase. Whether you are a new startup, medium or large establishment that needs a financial solution to fund/get your project off the ground or business looking for extra capital to expand your operation,our company renders credible and trusted bank guarantee provider who are willing to fund and give financing solutions that suits your specific business needs.

    We help you secure and issue sblc and bank guarantee for your trade, projects and investment from top AA rated world Banks like HSBC, Barclays, Dutch Ing Bank, Llyods e.t.c because that’s the best and safest strategy for our clients.e.t.c

    DESCRIPTION OF INSTRUMENTS

    1. Instrument: Funds backed Bank Guarantee(BG) ICC-600

    2. Currency : USD/EURO

    3. Age of Issue: Fresh Cut

    4. Term: One year and One day

    5. Contract Amount: United State Dollars/Euros (Buyers Face Value)

    6. Price : Buy:32%+1, Lease: 4%+2

    7. Subsequent tranches: To be mutually agreed between both parties

    8. Issuing Bank: Top RATED world banks like HSBC, Barclays, ING Dutch Bank, Llyods e.t.c

    9. Delivery Term: Pre advise MT199 or MT799 first. Followed By SWIFT MT760

    10. Payment Term: MT799 & Settlement via MT103

    11. Hard Copy: By Bank Bonded Courier


    Interested Agents,Brokers, Investors and Individual proposing international project funding should contact us for directives.We will be glad to share our working procedures with you upon request.



    Name: Muhammed Emir Harun

    Contact Mail :info.financewizardltd@gmail.com

    Skype: info.financewizardltd@gmail.com

    ReplyDelete
  50. 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: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

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    ReplyDelete
  51. We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )

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    ReplyDelete
  52. We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )

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    ReplyDelete
  53. 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: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

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    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 1.00% 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: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

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    We look forward to hear from you ASAP
    Interested applicants should Contact us via email: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com

    ReplyDelete
  54. We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )

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    ReplyDelete
  55. Dear, Sir/Ma.

    We offer Legitimately FC and SS Bank Guarantee (BG) and Standby Letter of Credit (SBLC) alongside a number of other Bank Instruments specifically for Lease with the option of sale optionally available from a certified financial group. We deliver cautious of the time line required for the completion of transactions and other intermediaries are welcome to deal. Other financial instruments such as MTN, CD, DLC, PB are also available.

    For genuine and Serious inquiry of any form please kindly contact me via the details below.

    Contact : Mr. SIVAJOTHI GNANATHEEVAM
    Email: leasingmandate@gmail.com

    Regards
    SIVAJOTHI GNANATHEEVAM

    ReplyDelete
  56. My Brothers and Sister all over the world, I am Mrs Boo Wheat from Canada ; i was in need of loan some month ago. i needed a loan to open my restaurant and bar, when one of my long time business partner introduce me to this good and trustful loan lender DR PURVA PIUS that help me out with a loan, and is interest rate is very low , thank God today. I am now a successful business woman, and I became useful. In the life of others, I now hold a restaurant and bar. And about 30 workers, thank GOD for my life I am leaving well today a happy father with three kids, thanks to you DR PURVA PIUS Now I can take care of my lovely family, i can now pay my bill. I am now the bread winner of my family. If you are look for a trustful and reliable loan leader. You can Email him via,mail (urgentloan22@gmail.com) Please tell him Mrs Boo Wheat from Canada introduce you to him. THANKS

    ReplyDelete
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  58. We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )

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  59. We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )

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  61. If you are seeking Bank Guarantee (BG), SBLC for Lease or Purchase we are the best financial institution to help you secure a verifiable and easily Monetized

    BG, SBLC and other financial instruments. At SPOT FINANCE, we are a group of experienced bankers, seasoned brokers with years of experience in the Financial

    Instrument industry. We deal directly with reliable Providers of BG, SBLC, MT109, MT799, MT760, Loans, Sale and Lease of Financial Instruments issued by Top

    rated global banks.

    Our procedure is TIME SAVING and transparent. With us, you can secure any face value of BG/SBLC from 10M – 10B (EURO/USD) in time for use in Heavy/Light

    project funding anywhere in the world.

    Basically, we are here to help move your business to the next level.

    Anticipating your interests,
    Email: info.spotfinanceltd@gmail.com
    Skype: spotfinanceltd

    Sincere regards,
    Gary Derek Beckett
    SPOT FINANCE LTD

    ReplyDelete
  62. We are Ireland based major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
    we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.
    DESCRIPTION OF INSTRUMENTS:
    1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)
    2. Total Face Value: 10M MIN to 50B MAX USD or Euro
    3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
    4. Age: One Year, One Day
    5. Leasing Price: 4+ 2%
    6. Sale Price: 32+2%
    7. Delivery by SWIFT .
    8. Payment: MT103-23
    9. Hard Copy: Bonded Courier within 7 banking days.
    If you have need for Corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN, we fund 100% of the face value of the financial instrument.
    Inquiries from agents/ brokers/ intermediaries are also welcomed; do get back to us if you are interested in any of our services and for quality service.
    Name : Leon Tourish
    E-mail : abdovfinancial@gmail.com
    Skype id : abdovfinancial@gmail.com

    ReplyDelete
  63. Dear Sir,

    We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffeur driven offers.

    We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

    The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760,
    Description OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG/SBLC)
    2. Total Face Value: Eur/USD 5M MIN and Eur/USD 10B MAX (Ten Billion EURO/USD).
    3. Issuing Bank: HSBC Bank London, Barclay's bank London,Credit Suisse and Deutsche Bank Frankfurt.
    4. Age: One Year, One Month
    5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
    6. Delivery: Bank to Bank swift.
    7. Payment: MT-103 or MT760
    8. Hard Copy: Bonded Courier within 7 banking days.

    We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me.


    Regards,
    kelvin Brigth
    Skype: kelvinbrigth84@gmail.com
    Email: kelvinbrigth84@gmail.com

    ReplyDelete

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