CREATING WEALTH IN TOILET TISSUE PRODUCTION
A WORKABLE BUSINESS PLAN
PREPARED BY
UDEME U. UDO
SUMMITTED TO THE
NIGERIA BUSINESS INITIATIVES
AN ENTRY FOR THE
INAUGURAL ANNUAL BUSINESS PLAN COMPITION
August, 2009.
TABLE OF CONTENTS
CONTENT PAGE
Introduction
CHAPTER 1
1.10 Business Description
1.11 Business Goals
1.13 Return on Investment
1.12 Equity Structure
CHAPTER 2
2.0 Sources of Fund
2.10 Operating Cost
2.11 Projected Takes off Capital
CHAPTER 3
3.0 Management Team
CAPTER4
4.10 Market Size
4.11 Competition
4.12 Future Trend
CHAPTER 5
5.0 Manufacturing Process
5.10 Raw Materials
CHAPTER 6
6.0 Marketing Strategy
6.10 Prospecting Customers
6.11 Distribution Policies
6.12 Promotion Method
6.13 CONCLUSION
6.14 RECOMMENDATIONS
REFERENCES
INTRODUCTION
The Federal Government of Nigeria included toilet roll of any type amongst other in the import prohibition list.
That means that this year 2009 and beyond, no foreign toilet paper, serviette or face tissue would be imported into this country.
This government policy is in the right direction.
The marginal propensity to consume in third world countries is very high. This leads to low savings, low capital formation, low investment and low productivity. The end results are the vicious circle of poverty, which without sounding a false alarm, is the picture of Nigerian economy.
In order to break this vicious circle of poverty a meticulous identification, evaluation and appraisal of viable projects in terms of small capital outlay, local raw materials availability, cheap manpower requirements and availability of sustainable high market demand, low but nonetheless appropriate technology, employment generation and incremental gain among others, have been carried out by this writer. The end result is that toilet roll production, even at a small-scale level fits well the technologically, the payback period short and economically very viable if properly managed.
This brief write up seeks to enlighten any interested investor, businessman on what it takes to set up a profitable toilet roll manufacturing plant.
CHAPTER 1
1.10 BUSINESS DESCRIPTION
Tender Rose Tissue Paper will commence business in January 2010 as the division of Udemsco Industries Ltd. (UIL0. UIL decided to commence tissue paper production in Abuja or it environ because of the gap between Demand and supply of the commodity to the ever expanding Abuja city.
1.13 Business Goals
Udemsco Industries Ltd is in the business of Toilet Tissue paper and serviette production. The company Objectives is to expand local tissue paper production by processes the products for direct consumption and commercial needs. The company utilizes local raw materials in the country process package and sell it as a finished production of high quality.
Our Goals includes but not limited to the following
Starting Small and latter growing it capital into a big conglomerates through hard work and high quality products.
To create employment for our unemployed youths
To boast local production of direct consumable goods in the country
To becomes the largest tissue producing company on a long run.
1.13 Return on Investment
Generally and based on experienced, establishing and running a toilet roll factory is very lucrative if due diligence is given to good management practice. From an input of 250 metric tones of jumbo reels and after making allowances for expected wastages, and operating at 40%m utilization capacity, gross profit before tax of N31.8 million would be made within first year of the business. Deducting annual operating cost of 14.7 million, profit before tax of 17.1 million would be recorded in the first year of operation. Deducting the annual taxation of 2.2million, net profit after tax of N14.96 million would be recorded.
Further analysis of the investment revealed that percentage return on sales would be 62.7% while percentage return on investment would be 137.0% (as shown below).
This is not considered bad at all given the prevailing economic climate.
FORECAST STATISTICS:
Assuming the sum of 16 million is invested
Period ended December 2010 2010 2011
N,000 N,000
Turn over 31,180 54,006
Profit before Tax 17,100 27,003
Profit after tax 14,960 20,230
dividend payout 5,984 8,123
Forecast Statistics
Earnings per share (Kobo) 93.5 130
Dividend Per Share (Kobo) 37.4 94
Earnings Yield 93.5 162
Dividend Yield % 3.74 0.94
P/E ratio
1.14 Equity Structure
The company will commence business in 2010 with initial share capital of N5 Million comprising of five million ordinary share of N1 each which shall be issued and fully paid up. By January 2010 the share holding structure of the company will be as follows:
Year Authorized (N,000) Issued and Fully paid up (000) remark
2010 N5.000 N5,000 cash
CHAPTER 2
2.0 Sources of Fund
The company share shall issued all her and shares to willing but limited share holders to the tune of N5,000,000 (Five Million Naira Only) while the other fund will be source from bank and other financial institutions.
2.12 Operating Cost
The sum of N15, 702,000 will conveniently set up a toilet/tissue rolls plant to produce 5 million toilet rolls per annum. With the possibility of the price dropping if there is an existing accommodation
2.13 Projected Takes off Capital
The sum of N16, 000,000 will conveniently set up a toilet/tissue rolls plant to produce 5 million toilet rolls per annum with all the equipments taken into consideration
CHAPTER 3
3.0 Management Team
The board of the company shall compose of six members made up of two Executive directors and four Non Executive Directors: the board members shall be professional’s entrepreneurs with vast experience and credible track records.
CHAPTER4
4.10 Market Size
My recent research findings reveal woeful supply inadequacy vis-à-vis demand for toilet rolls thus creating a gap yearning for quick satisfaction. Nigeria alone needs over 950 million toilet rolls per annum out of which local suppler through production meets only 150 million. This enormous demand supply gap translates into a viable investment opportunity for any entrepreneur that exploits it. For such a determined investor, the illusion created by the sight of many people hawking toilet rolls of various types and their packing in stores and warehouses should be discarded as it doesn’t portend market saturation but rather that the products is in high daily demand. To confirm the veracity of this assertion, one needs to go observe the many lorry loads of toilet rolls being carted away daily from the warehouse of major distributors.
Enterprising traders from ECOWAS daily besiege Lagos markets in search of toilet rolls and other toiletries.
Their bulging lorry loads of merchandise as they speed home to and sell and come back bear an eloquent testimony to this.
4.11 Competition
Do I hear you say: does it mean that I will not have competitors? Of course you will have; there is competition even if you have only two producers or service produces. But the assurance in toilet roll production is that the prevailing competition is not such as will rock the boat.
You are on a safe landing coast based on our experience and research funding.
Given the above scenario, if the current demand supply gap of 800 million toilet rolls per annum is to be filled, all things being equal, it means that not less than 160 additional toilet roll producing plants of the same capacity as above will have to be established (by straight forward arithmetic. Ideally, this should be slightly, less for obvious reasons) and kept running daily nationwide.
4.12 Future Trend
Udemsco industries Ltd will in the near future explore the possibility of expanding it products to cover the entire country and further look beyond the local market to the ECOWAS countries. To take advantage of the Ecowas free trade zone.
The company also intends to diversify it investment into other relevant business area by grabbing every opportunities that may offer good returns on investment to the company’s share holders
CHAPTER 5
5.0 Manufacturing Process
The relevant machinery and equipment, all of which are obtainable locally are:
1. CORE CUTTING MACHINE
2. GLUING MACHINE
3. JUMBO REEL WINDING MACHINE
4. BAND SAW CUTTING MACHINE
These have been tested, found to be reliable, rugged, long lasting and high performing by those who have been using the plant. The equipment supplier grants guarantees of 3 years for their performance, will install, and test run the plant It should be noted that these machine can also be imported from some tested foreign machine producers on request.
The rated daily input is one metric tone of jumbo reel. This gives an output of 20,000 2-ply toilet rolls. This means that if you work 250 days a year, will turn out 5 million toilet rolls or 180,167 packets of 4 dozen each. If this seems too small it can be the machinery or work on two shifts or a combination of both.
In terms of factory space, a three bedroom space or duplex is ideal to house both the plant and raw materials. Of course factory can build when contemplating a bigger plant. Or hire a warehouse type of accommodation.
After selection and purchased of good quality jumbo reels, received and stored, the production of toilet rolls involved the following brief processes;
First the core paper is fed into the core making machine from two different rolls and glue applied. The core pipe length is determined and cut. Jumbo reels are fed into the jumbo reel – making machine with the core pipe from the core-making machine. The jumbo reels sheets are wound or wrapped round the reel to be made. The jumbo reel sheets are wound or wrapped round the core pipe automatically by the reel to be made.
This is now sent to be band-cutting machine where the toilet roll tissue paper is cut into desired market sizes.
The cut toilet rolls are then manually wrapped, packaged in cellophane wraps, stamped and sent to the store ready for sale.
5.10 Raw Materials
The essential raw materials needed are the jumbo reels, core paper and white glue while the packaging materials are the wrapping paper on which the producers name, address and brand name will be conspicuously printed, cellophane, staple pins etc.
Each of these is obtainable locally from suppliers. The jumbo reels are either pure white or off white.
Pure white sells for between N180,000 and N185,000 per tone while off white sells currently between N135,000 and N140,000 depending on your source. From each jumbo real, one can produce 20,000 double ply toilet rolls in an ideal situation.
CHAPTER 6
7.0 Marketing Strategy
The company into to use direct marketing to major shops and distributing agent across the country indoor to fairly and effectively market it product. This will be achieve by paying attention to the packaging and high quality product from the factory.
6.10 Prospecting Customers
Toilet rolls are consumed on daily basis by all and sundry irrespective of age; social class or religious divide for sanitary and cleansing purposes.
They enjoy high aggregate demand in places like households, hotels, schools, hospitals, and various types of institutions, parties of sorts, canteens, churches and mosques. Others are maternity homes, night and other clubs, shopping and food selling centers, offices etc. The beauty arsenals of any lady are not properly assembled and deployed without a toilet roll, a permanent of their handbags; can you imagine a world without toilet rolls?
Toilet rolls have a high repeat sales tendency which is fuelled by such factors as increasing social and sanitary awareness of the heed for hygienic and good quality living standard, geometrically exploding population, continued drift from the rural to the urban centers in search of the better things of life and job opportunities, affordability of the product price etc.
The market for toilet rolls has been well established and developed. It is large, expanding and sustainable.
The country’s population, which was estimated in 2005 to be in the neighborhood of 150 million, grows at an annual rate of 2.831%. In addition the ECOWAS has about 350 million people with similar growth rate.
What this translates into is that any ventures into this lucrative toilet roll production business will tap into the already existing and expanding local and export markets.
6.11 Distribution Policies
The company will employ the services of advertising agent to promote it product, thereby establishing the product as a major brand in the market. This is to ease the work of the distributors which will spread across major towns and city across the country. We believe that in no distance time the brand haven achieve its goal of producing tissue of high quality at affordable rate will grow to become a major player in the industry.
6.13 Promotion Method
The company, in her quest to build an outstanding brand shall deploy the services of advertising agents to advertise it products. More so, it will cultivate the habit of setting aside reasonable percentage of its profit for promotion and advertisement to boast its output.
CONCLUSION
Following the outcome of this research we are optimistic that an investment in this direction offers good returns to any investor or entrepreneur who venture into it. As return on investment will be realize in the first years with reasonable profit inspite of the unfavourable investment challenges and the high cost of doing business in the country today
RECOMMENDATIONS
Base on the above the following recommendations are made.
That tissue paper production if adequately manage will offer good to investors that investors
The services of experienced man-power should be sort to avoid unnecessary misstate on the part of the labour.
That not more than five labour should be use in the first year of production.
Further analysis of the investment revealed that percentage return on sales would be 62.7% while percentage return on investment would be 137.0% (as shown below).
This is not considered bad at all given the prevailing economic climate.
REFERENCES
1. Stocchi E. (1990), Industrial Chemical Volume 1, English Editon EULLISHORWOOD Ltd. California
2. Albers, Henry H. (1974) Principle of Management (4th Ed.) New york: John Wiley.
3. Ubeku, A. K. (1975) Personnel Management in Nigeria Benin City: Ethoipe Publishing Corporation,
4. Uba Godwin (2009) ThisDay Newspaper, Abuja, Leaders & Co Ltd.
Wednesday, November 28, 2012
Thursday, November 11, 2010
Commonwealth Scholarships 2011/2012 For Nigerians
Since their inception in 1959, some 26,000 individuals have benefited from the award of Commonwealth Scholarships and Fellowships to pursue advanced academic study in other Commonwealth countries. About two thirds of awards have been tenable in the United Kingdom. The vast majority of award holders have returned to make a significant contribution to their home countries, in many cases at the highest level, making the award scheme one of the largest and most prestigious in the world.
This prospectus describes the Commonwealth Scholarships offered by the Commonwealth Scholarship Commission in the United Kingdom for citizens of other Commonwealth countries in 2011-2012. Separate programmes and prospectuses exist for the scholarships offered by distance learning and on a shared funding basis, and for short mid-career fellowships, both academic and professional, offered by the Commonwealth Scholarship Commission. Please visit the CSC website at www.cscuk.org.uk for details of these programmes. For information on Commonwealth Scholarships offered by other Commonwealth countries, please visit the Commonwealth Scholarship and Fellowship Plan (CSFP) website at www.csfp-online.orgIn case you know about this scholarship already,you may like to go straith into applying by visiting : www.cscuk.org.uk .
Application deadline is : 8 DECEMBER 2010
The secretariat of the Commonwealth Scholarship Commission in the United Kingdom is provided by the Association of Commonwealth Universities (ACU), which is responsible for all matters concerning selection and academic studies. The British Council is responsible for payments to scholars, and for arranging travel, reception and other support services for them.
E L I G I B I L I T Y
To apply for the awards covered in this prospectus, candidates should:
Be Commonwealth citizens, refugees, or British protected persons
Be permanently resident in a Commonwealth country other than the United Kingdom, the Channel Islands or the Isle of Man
Be available to commence their academic studies in the United Kingdom by the start of the UK academic year in September/October 2011
Hold, by October 2011, a first degree of upper second class Honours standard (or above); or a second class degree and a relevant postgraduate qualification, which will normally be a Master’s degree AND
In the fields of medicine and dentistry, have qualified as a doctor or dentist between 1 October 2001 and 30 September 2006
The Commission wishes to promote equal opportunity, gender equity and cultural exchange. Applications are welcomed from the many different races and origins that comprise the Commonwealth’s rich variety of cultures, traditions and institutions.
W H A T T Y P E S O F AWA R D A R E A V A I L A B L E A N D H O W C A N I A P P L Y ?
The Commission invites the nomination of candidates for Common – wealth Scholarships from a number of sources. These are described below. Candidates may choose any of these ‘nominating routes’ for any category of award, subject to the exceptions noted. Candidates must, however, apply locally in the first instance. The Commission does not accept direct applications.
For the following categories of award…
12-36 months’ support towards completion of either a full-time taught or a doctoral post graduate qualification at an eligible UK institution. These awards are open to those candidates nominated either by the Vice Chancellor/Executive Head of their employing institution or by the appointed agency in their home country
12 months’ non-degree study in the United Kingdom on a Split-Site basis to aid the completion of a doctoral degree undertaken at a university in the candidate’s home country
6 months’ clinical training in medicine or dentistry (available only to candidates from developing countries). These awards are open to candidates nominated by their Vice Chancellor/ Executive Head or by the appointed agency in the home country
… nominations are invited through the following channels
The candidate’s national Commonwealth Scholarship agency. This is the main route of application and a full list of Commonwealth Scholarship agency addresses can be obtained from the CSC website
The Executive Head of an eligible developing country university on whose staff the applicant serves. (In the case of Bangladesh and India, nominations are made through the University Grants Commission; in Pakistan, through the Higher Education Commission; and in Sri Lanka, through the Secretary, Ministry of Higher Education)
Selected non-governmental organisations, charitable bodies and development partnerships
Please note that candidates from developed Commonwealth countries – Australia, the Bahamas, Brunei Darussalam, Canada, Cyprus, Malta, New Zealand and Singapore – can only apply for doctoral or split-site study (not Master’s study) and can only apply to study at a UK institution with whom the Commission has a joint funding agreement. The availability and number of awards to citizens from developed Commonwealth countries will be dependent on any funding approved in 2011. Please note that candidates from developing Commonwealth countries (i.e. all other countries) can apply to study at doctoral (including splitsite) and Master’s level at UK institutions with which the Commission has a part funding agreement. A list of institutions that have agreed to offer joint and part funded scholarships in 2010-2011 is available at www.cscuk.org.uk/apply/ universities.asp. This list indicates where an institution has agreed to offer funding to citizens of developed or developing Commonwealth countries only or, if not specified, to both. The Commission anticipates that these institutions will enter into similar agreements in 2011-2012.
In addition, the Commission offers:
Support for study towards an undergraduate degree in the United Kingdom for citizens of the Falkland Islands, Maldives, St Helena and the Seychelles. Nomination is through the national Common – wealth Scholarship agency
A full list of universities and other organisations invited to nominate can be found on the CSC website. Those wishing to be considered for inclusion in the list of universities and other organisations invited should contact the Executive Secretary of the Commonwealth Scholarship Commission (c/o The Association of Commonwealth Universities, Woburn House, 20-24 Tavistock Square, London WC1H 9HF).
Applications must be submitted using the Commission’s Electronic Application System (EAS), which is available on our website by following the appropriate links at www.cscuk.org.uk/apply/postgraduate_study.asp. All applications must be submitted to and endorsed by one of the approved nominating bodies detailed previously. Please note that all Scholarship candidates must complete their application using the EAS by 7 December 2010.
Awards made by the Commission are subject to the ongoing endorse – ment of the nominating body. The Commission regrets that it is unable to accept nominations from other organisations or applications directly from individuals, and that these cannot be acknowledged.
T E N U R E A N D P L A C E M E N T
Awards are tenable at any approved UK university or higher education institution with whom the Commission has a joint and/or part funding agreement (i.e. those on the list mentioned previously) for a specific programme of study or research and are not restricted to particular subject areas. Awards are to obtain one degree and funding will not be extended to enable candidates to complete an additional or higher qualification than that for which the selection was made. Scholarships are made in respect of full time study only and no other courses of study may be undertaken at the same time.
It is important that candidates make clear at the point of application the qualification for which they are applying, especially if they wish to be considered for a Scholarship intended to lead to a doctoral degree. This will enable the Commission to consider the application in the correct category. The final decision on institution of study will be made by the Comm – ission, which reserves the right to overrule any preferences expressed by the candidate at the application stage. The Commission will consider the suitability of the course and its value for money when considering any overrule. Applicants are, however, expected to identify up to three institutions and courses (or supervisors for research degree applicants) that they consider most appropriate on the application form, and explain the reasons for their selection. This is important since the Commission will not change the institution or course for which the candidate has been provisionally selected after the Commission’s selection committee has met, unless exceptional information becomes available that could not have been foreseen at the time of application. Many courses have strict admission deadlines (particularly at the Universities of Oxford, Cambridge and London) and candidates must take the necessary steps to secure admission to their preferred institutions in advance of any Scholarship application to the Commission. Candidates in business, management, economics and other related fields should note that a number of univ – ersity depart ments will require a candidate to demonstrate a valid GMAT or GRE score before an offer of admission can be made. Candidates should check admission requirements carefully at the time of application.
Applications for 12 months’ study in the United Kingdom on a Split-Site basis must be made in the context of a departmental/institutional link with a UK university already in operation or currently under negotiation and must include a letter of invitation from the proposed UK host dep – artment. Candidates will have the option of one full 12 month period of study or two six month periods with a period not greater than 12 months elapsing between each term. Those candidates who have not yet comm – enced their home PhD at the time of application will be eligible to spend a maximum of six months in the UK in the first year of their studies.
Please note that where the Commission selects a candidate who will have already started their PhD study by the time of their selection, their Scholarship will commence at the start of the next academic year (i.e. in September/October following the selection) and will end after the Scholar has been registered for their PhD for 36 months, in line with the Commission’s policy on PhD length.
T H E S E L E C T I O N P R O C E S S
Nominations for 2011 Commonwealth Scholarships tenable in the United Kingdom are required to arrive with the Commission no later than 21 December 2010 in electronic format. All nominating authorities will have organised their own competitions in advance of this, with earlier deadlines and local rules for application, that you are strongly advised to check.
In order to ensure a competitive process in the United Kingdom, the Commission normally seeks approximately three times more nomin – ations than there are Scholarships available. Following this deadline, each nomination is first considered by a member of the Commission’s panel of advisers with expertise in the subject area concerned and then by the Commission’s selection committee in competition with other applicants.
Applications are considered according to the following selection criteria:
Academic merit of the candidate
The quality of the proposal
For those candidates from developed Commonwealth countries (see list on previous page), the potential of the candidate to lead in the pursuit of global excellence in research and knowledge
For those candidates from developing Commonwealth countries (i.e. all others), the likely impact of the work on the development of the candidate’s home country
V A L U E O F AWA R D S
Each Scholarship provides:
Student concessionary or other approved airfare to the United Kingdom and return on expiry of the Scholarship (the cost of jour – neys made before final award confirmation will not normally be reimbursed, nor can fares be paid for a Scholar’s dependants)
Approved tuition and examination fees
A personal maintenance allowance at the rate of £844 per month (£1044 per month for those studying at institutions in the London Metropolitan area)
A grant towards the expenses of preparing a thesis or dissertation, where applicable
An initial arrival allowance, incorporating an initial clothing grant for Scholars from tropical countries
A grant for expenses for approved travel within the United Kingdom or overseas
A grant towards fieldwork costs for those Scholars undertaking doctoral studies for whom a case has been made for fieldwork outside the United Kingdom. This shall not normally exceed one economy class return airfare to the fieldwork location
A paid mid-term fare to their home country for Scholars on three year doctoral awards. Scholars for whom fieldwork fares are provided to their home country shall not be entitled to a mid-term fare home, nor Scholars who have claimed (or intend to claim) spouse or child allowances for more than 12 months during their award.
For married Scholars selected by the Commission for awards exceed – ing 18 months, a marriage allowance of £220 per month is payable provided that the husband and wife (or civil partners) are residing together at the same address in the United Kingdom. It is not paid when a husband or wife (or civil partner) of the Scholar is also in receipt of an award. For such married couples accompanied by their children, a child allow ance is payable at the rate of £138 per month for the first child, and £108 per month for the second and third child under the age of 16, provided they are residing with their parents. The Commission’s spouse and family allowances represent only a contribution towards the costs of family maintenance in the UK and Scholars should expect and be able to supplement these allow – ances to support family members who choose to come to the UK. Irrespective of the length of the award, a Scholar who is widowed, divorced or a lone parent will receive an allowance in respect of the first accompanying child and child allowances for the second and third accompanying children.
More information can be found about the terms and conditions of the Scholarships in the Handbook for Commonwealth Scholars and Fellows, available on the CSC website.
G E N E R A L C O N D I T I O N S O F AWA R D
Applicants should be aware of the following general conditions:
The Commission reserves the right to publish the names of candidates provisionally selected for awards on the CSC website. By applying for an award, the candidate gives consent for such publication in the event that his/her application is successful
Candidates will be notified of their provisional selection by the Commission: that is, selection for award subject to the Commission agreeing the terms of admission to the university/institution
Candidates will be given a formal Notification of Award – the offer of a Scholarship – as soon as terms of admission to the university/ institution have been agreed
Formal confirmation of the award will be issued when all conditions of the Notification of Award have been met
Scholars will be expected to take up the award from the date stated by the Commission in its Notification of Award
A Commonwealth Scholarship covers fees, fares and personal maintenance. Similar awards may not be held concurrently
Scholars will be expected to reside in the United Kingdom through – out their award, and to seek prior approval for any proposed visits abroad
Scholars may not undertake paid employment during their award without prior consent
The Commission will require a medical report before an award can be confirmed
Scholars will be required to sign an undertaking to return to their home country as soon as their award comes to an end
The Commission will only consider requests to extend leave to remain in the UK post-award for those wishing to move from Master’s to PhD study. Strict conditions will apply
The Commission will therefore be unable to provide any letter of support which might be required by an award holder to stay on to work in the UK
A D D I T I O N A L R E Q U I R E M E N T S
The Commission may require candidates to undertake the academic IELTS English language test as a condition of eligibility. It is the candidate’s responsibility to check with their nominating agency whether this requirement applies to them and to note that an IELTS test will only be considered valid if taken after 1 October 2010 and before 6 March 2011. As a further condition of award, the Commission, or a host institution in the United Kingdom, may require a candidate to take particular English tests and/or training in English.
Applicants in medicine and dentistry whose programme requires them to practise clinically, or to work in a laboratory department reporting on samples from patients, must state how the skills acquired by the training programme will be put into practice post-award. Such applicants can be considered only if they are eligible for registration with the General Medical Council or the General Dental Council. Information about current conditions for registration can be obtained from the GMC and GDC websites: www.gmc-uk.org and www.gdc-uk.org. Please note that the GMC currently requires applicants for their registration to obtain an overall score of 7.0 in the academic IELTS test, with minimum scores of 7.0 in speaking and 6.0 in listening, reading and writing.
Commonwealth Scholarship Commission in the United Kingdom
c/o The Association of Commonwealth Universities
Woburn House, 20-24 Tavistock Square, London WC1H 9HF
www.cscuk.org.uk
Read more: http://www.nigerianelitesforum.com/ng/youths-education-scholarships/5308-commonwealth-scholarships-2011-2012-for-nigerians.html#ixzz1VyK6CQES
Friday, October 29, 2010
Thursday, October 28, 2010
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