November 12, 2020

A Tech Role Model for Nigeria


Trustworthy and indepth news stories are more important now than ever.
Support our newsroom by MAKING A CONTRIBUTION HERE

India has proved that three policies – lowering the cost of mobile data, implementing a national identification program with an open-source API, and embracing digital payments – are essential to enable tech companies to innovate and grow. As Nigeria attempts to capitalize on its own tech boom, it should pursue a similar approach.

Portrait of an African American typing on the keyboard.

LAGOS – In 2018, African start-ups were celebrating: they had raised nearly $1.2 billion in equity – a 108% increase from the previous year. And last year, Nigerian financial-technology (fintech) companies set an even more impressive record, raising $360 million from international investors in a single month (November). Making the most of the Nigerian tech sector’s current boom, however, will take work. The COVID-19 pandemic should be a spur to action.

Nigeria is certainly on a promising path. Already, it is Africa’s largest technology market by Internet users and mobile subscriptions, and it boasts the second-highest tech-startup density on the continent. Lagos is fast-becoming a tech hub, with more than 400 startups valued at a total of more than $2 billion. Add to that a burgeoning population, and Nigeria is beginning to look to like India five years ago.

India has long been a leading outsourcing destination for global companies, particularly in the technology sector. But it has raised its profile significantly over the last five years, producing 19 “unicorns” (companies valued over $1 billion). On the Global Innovation Index, India has climbed from 81st place in 2015 to 52nd last year, when it was also the world’s third most attractive investment destination for technology transactions. This year, India’s information-technology and back-office sector is expected to grow 7.7%, to $191 billion.

Three key policies put the Indian tech sector on this positive trajectory: lowering the cost of mobile data, implementing a national identification program with an open-source application program interface (API), and embracing digital payments. To secure India-style tech growth, Nigeria should pursue a similar approach.

One gigabyte of mobile data costs $0.26 in India – the lowest rate in the world – compared to $12.37 in the United States, $6.66 in the United Kingdom, and $8.53, on average, globally. Indian consumers owe their low data costs to Reliance Jio, a young telecom operator that gained a foothold by offering ultra-cheap 4G service. To compete, other providers had to lower their rates significantly.

In Nigeria, data rates are among the lowest in Africa, with consumers in just four countries (Mozambique, Rwanda, Egypt, and Sudan) paying less. But the African average remains nearly nine times that of Asia, despite some of the world’s fastest growth rates for mobile-phone subscription and Internet penetration.

In lieu of a single player changing the competitive landscape, Nigeria’s government and private sector should share the burden of bringing down mobile-data prices. This means going beyond ordering providers to lower their rates, as the Nigerian government recently did, to liberalize and, along with private companies, boost investment in the telecoms sector.

The next step toward fostering a dynamic tech sector – and, more broadly, a digitized economy – is to create a national-identification program with an open-source API on par with India’s Aadhaar program, which assigns Indians a unique digital ID with which they can access government benefits and financial services. India’s government released the Aadhaar API so that developers could integrate the program into their systems. Now, private companies can tap into the Aadhaar database to perform credit checks, customer verification, online payments, and more. Indians can now conduct virtually any transaction – pay rent, order a ride to work, or buy lunch – using their Aadhaar ID.

To some extent, Nigeria is on the right track. In 2014, it introduced an electronic identity (e-ID) program, which offers a chip-based card to everyone with a national identification number. But its system remains highly fragmented, with 13 separate federal government agencies offering IDs. With no communication among agencies, duplicate IDs often are issued. Nigeria’s government should urgently create a single unified program similar to Aadhaar and release the API to private developers.

This would facilitate progress in the third key area: creating a cashless economy. India accelerated this process with a forceful demonetization in 2016, when the government suddenly removed 86% of the cash in circulation – a move that, though far from flawless, did drastically reduce the use of cash in the country.

It helped that the Indian government took steps to encourage all forms of digital payments, including the use of e-wallets. From October to December 2016, during demonetization, e-wallet transactions surged by 163%. Meanwhile, private companies increased their offerings of mobile-money services. For example, the mobile operator Airtel launched banking services in 2017 to cater to its 250-million-subscriber base.

Nigeria wants to replicate India’s transition to a cashless economy, but its plan to do so by taxing cash may backfire. Instead, it should focus on promoting the use of mobile money. Such transactions accounted for only 1.4% of Nigeria’s GDP last year, compared to 44% in Kenya. This can be blamed partly on Nigeria’s central bank, which previously limited the banking services in which mobile operators could engage, promoting instead a bank-based regulatory framework for mobile money. Fortunately, the central bank lifted these restrictions this year, allowing major telecom companies like MTN to start providing mobile-money services.

India has shown that structural reforms are essential to enable tech companies to innovate and grow. Without cheap data, users cannot access the next great e-commerce website. Without an open-API identification system and effective mobile-money platforms, the economy cannot go cashless. Nigeria is well positioned to apply these lessons. With the pandemic placing a premium on technologies that facilitate social distancing, it should start now.

Elo Umeh is CEO and co-founder of Terragon Group, a Nigeria-based data analytics and marketing tech company..

The text has been adapted from Project Syndicate website

We can't do quality journalism without your support

Perhaps it goes without saying — but producing quality journalism isn't cheap. At a time when newsroom resources and revenue are declining, The Chronicles remains committed to "Serving Your Right To Know The Truth". Stand with us as we document Rwanda's remarkable journey for you and the future generation. Do you value our journalism? We can't do it without you. Show us with your support by CONTRIBUTING HERE.
Email your news TIPS to info@chronicles.rw or WhatsApp +250788351327.
You can also find us on Signal

339 Comments

  1. Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.

  2. What i do not realize is in fact how you’re now not really a lot more smartly-favored than you may be right now. You are so intelligent. You understand therefore significantly with regards to this topic, produced me personally consider it from so many various angles. Its like men and women aren’t fascinated unless it’s something to accomplish with Woman gaga! Your own stuffs nice. Always care for it up!

  3. I’m not sure why but this blog is loading incredibly slow for me. Is anyone else having this issue or is it a problem on my end? I’ll check back later and see if the problem still exists.

  4. Its like you read my mind! You seem to know so much approximately this, like you wrote the book in it or something. I feel that you could do with some p.c. to pressure the message house a bit, however other than that, this is great blog. An excellent read. I’ll definitely be back.

  5. Fine way of describing, and nice piece of writing to take information regarding my presentation subject matter, which i am going to deliver in university.

  6. Usually I do not read article on blogs, however I wish to say that this write-up very forced me to try and do so! Your writing taste has been amazed me. Thank you, quite great article.

  7. Nice blog right here! Additionally your site rather a lot up very fast!
    What host are you the use of? Can I get your associate hyperlink on your host?
    I desire my web site loaded up as fast as yours lol

  8. Wonderful blog! Do you have any helpful hints for aspiring writers? I’m planning to start my own site soon but I’m a little lost on everything. Would you propose starting with a free platform like WordPress or go for a paid option? There are so many choices out there that I’m totally confused .. Any suggestions? Thanks a lot!

  9. It is perfect time to make some plans for the future and it is time to be happy. I have read this post and if I could I want to suggest you few interesting things or suggestions. Perhaps you could write next articles referring to this article. I wish to read more things about it!

  10. Hello my friend! I wish to say that this article is awesome, nice
    written and include approximately all important infos.
    I would like to see extra posts like this .

  11. Your style is really unique in comparison to other folks I have read stuff from. Thanks for posting when you have the opportunity, Guess I will just bookmark this page.

  12. I am not sure where you’re getting your info, but good
    topic. I needs to spend some time learning more or understanding more.

    Thanks for fantastic info I was looking for this information for my mission.

  13. Thank you, I have recently been searching for information approximately this topic for ages and yours is the best I have came upon so far. However, what concerning the conclusion? Are you sure concerning the source?

  14. Hi there! I realize this is kind of off-topic but I had to ask. Does running a well-established blog like yours take a lot of work? I’m completely new to blogging but I do write in my diary daily. I’d like to start a blog so I will be able to share my experience and views online. Please let me know if you have any ideas or tips for new aspiring bloggers. Appreciate it!

  15. First off I want to say awesome blog! I had a quick question in which I’d like to ask if you don’t mind. I was curious to know how you center yourself and clear your mind before writing. I have had a tough time clearing my mind in getting my thoughts out. I do enjoy writing but it just seems like the first 10 to 15 minutes are wasted just trying to figure out how to begin. Any ideas or tips? Cheers!

  16. I would like to thank you for the efforts you have put in writing this blog. I’m hoping to view the same high-grade blog posts from you in the future as well. In fact, your creative writing abilities has motivated me to get my own website now 😉

  17. Do you have a spam issue on this website; I also am a blogger, and I was curious about your situation; many of us have created some nice procedures and we are looking to trade methods with other folks, why not shoot me an e-mail if interested.

  18. Fantastic goods from you, man. I have take note your stuff prior to and
    you’re just too magnificent. I really like what you have received right here,
    certainly like what you are stating and the way by which you assert it.
    You make it enjoyable and you continue to care for to stay it smart.

    I cant wait to read far more from you. This is really a wonderful web
    site.

  19. Hi, I do believe this is an excellent web site. I stumbledupon it 😉 I will come back once again since I bookmarked it. Money and freedom is the best way to change, may you be rich and continue to help other people.

  20. Undeniably consider that that you stated. Your favourite justification appeared to be at the internet the simplest thing to consider of. I say to you, I definitely get irked even as folks consider concerns that they plainly do not recognize about. You controlled to hit the nail upon the top as smartly as defined out the whole thing with no need side effect , folks can take a signal. Will likely be back to get more. Thank you

  21. Artificial Intelligence and technology are powerful tools that hold limitless opportunities and possibilities. Finley Asia’s simple-to-connect hardware changes the way you look at wealth building.

  22. We provide single-window solutions, like Bulk sms, VoIP, call center solutions, and manpower enlistment services. We are here to empower businesses to communicate effectively and efficiently, while also fostering talent and providing opportunities for the growth and development of individuals.

  23. hey there and thank you for your information I’ve definitely picked up anything new from right here. I did however expertise some technical issues using this site, since I experienced to reload the web site many times previous to I could get it to load properly. I had been wondering if your web hosting is OK? Not that I am complaining, but sluggish loading instances times will often affect your placement in google and can damage your high quality score if advertising and marketing with Adwords. Anyway I’m adding this RSS to my e-mail and can look out for a lot more of your respective fascinating content. Make sure you update this again soon.

  24. Unquestionably believe that which you stated. Your favorite justification appeared to be on the internet the simplest thing to be aware of. I say to you, I definitely get irked while people consider worries that they plainly do not know about. You managed to hit the nail upon the top as well as defined out the whole thing without having side effect , people can take a signal. Will likely be back to get more. Thanks

  25. Hi, I think your website might be having browser compatibility issues. When I look at your blog site in Safari, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, great blog!

  26. Excellent post. I was checking continuously this blog and I am impressed! Very useful information specially the last part 🙂 I care for such info a lot. I was seeking this particular info for a long time. Thank you and good luck.

  27. I am curious to find out what blog system you have been working with? I’m experiencing some minor security problems with my latest website and I would like to find something more safe. Do you have any solutions?

  28. Hello would you mind stating which blog platform you’re working with? I’m planning to start my own blog in the near future but I’m having a tough time selecting between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your design and style seems different then most blogs and I’m looking for something completely unique. P.S My apologies for getting off-topic but I had to ask!

  29. Hello there! I could have sworn I’ve been to this blog before but after going through a few of the posts I realized it’s new to me. Nonetheless, I’m definitely happy I discovered it and I’ll be bookmarking it and checking back frequently!

  30. Не знаете, какой подрядчик выбрать для устройства стяжки пола? Обратитесь к нам на сайт styazhka-pola24.ru! Мы предоставляем услуги по залитию стяжки пола любой площади и сложности, а также гарантируем высокое качество работ и доступные цены.

  31. Please let me know if you’re looking for a author for
    your site. You have some really great articles and I feel I would
    be a good asset. If you ever want to take some of the load off, I’d
    really like to write some material for your blog in exchange for a link
    back to mine. Please send me an email if interested.
    Thanks!

  32. Ищете надежного подрядчика для механизированной штукатурки стен в Москве? Обратитесь к нам на сайт mehanizirovannaya-shtukaturka-moscow.ru! Мы предлагаем услуги по оштукатуриванию стен механизированным способом любой сложности и площади, а также гарантируем высокое качество работ.

  33. I’m impressed, I must say. Rarely do I encounter a blog that’s both educative and entertaining, and let me tell you, you have hit the nail on the head. The issue is something not enough people are speaking intelligently about. I’m very happy that I stumbled across this in my search for something relating to this.

  34. My spouse and I absolutely love your blog and find many of your post’s to be what precisely I’m looking for. Do you offer guest writers to write content to suit your needs? I wouldn’t mind producing a post or elaborating on some of the subjects you write regarding here. Again, awesome weblog!

  35. email рассылка – (Info Email bomber https://t.me/floodservice/273 )

    Email Bombing – email flood or email hoax (DOS attack) or cluster email bombing, what are they actually doing?

    A huge number of emails are sent to e-mail. This usually means that the @FloodService_bot bot specifically targets the victim’s mailbox associated with your email.

    These emails are intended to make fun of friends or distract the victim from any security messages or other emails.

    I am glad to present you a mail flood bot with a convenient menu and flexible settings!

    The cost of the service is $ 2 = 1000 letters.

    You specify the time of the flood and the number of letters yourself, or choose the “FAST FLOOD” function

    During the flood, a sufficient number of letters arrive so that the owner would miss an important letter!

    The bot will flood more than you ordered. On average, 30% more than ordered.

    Flood email, Floods Email, Email flooding, gmail flood, email bomber, flood hotmail, flood online,email flooding, email flood bot, email flooded with spam, email flooding service, email flooded with subscriptions, email flooder bot, email bomber 2023, email bomber 2024, email spam bot online, email spammer bot free, spam bot, бот по флуду почт, сервис по флуду почт, услуги по флуду, флуд услуги.
    @FloodService_bot – Лучший емаил бомбер на рынке!

  36. spam bombed – (Info Email bomber https://t.me/floodservice/273 )

    Email Bombing – email flood or email hoax (DOS attack) or cluster email bombing, what are they actually doing?

    A huge number of emails are sent to e-mail. This usually means that the @FloodService_bot bot specifically targets the victim’s mailbox associated with your email.

    These emails are intended to make fun of friends or distract the victim from any security messages or other emails.

    I am glad to present you a mail flood bot with a convenient menu and flexible settings!

    The cost of the service is $ 2 = 1000 letters.

    You specify the time of the flood and the number of letters yourself, or choose the “FAST FLOOD” function

    During the flood, a sufficient number of letters arrive so that the owner would miss an important letter!

    The bot will flood more than you ordered. On average, 30% more than ordered.

    Flood email, Floods Email, Email flooding, gmail flood, email bomber, flood hotmail, flood online,email flooding, email flood bot, email flooded with spam, email flooding service, email flooded with subscriptions, email flooder bot, email bomber 2023, email bomber 2024, email spam bot online, email spammer bot free, spam bot, бот по флуду почт, сервис по флуду почт, услуги по флуду, флуд услуги.
    @FloodService_bot – Лучший емаил бомбер на рынке!

  37. Undeniably believe that which you stated. Your favorite justification appeared to be on the internet the simplest thing to be aware of. I say to you, I definitely get irked while people consider worries that they plainly do not know about. You managed to hit the nail upon the top and also defined out the whole thing without having side effect , people can take a signal. Will likely be back to get more. Thanks

  38. This is very fascinating, You are an overly professional blogger. I have joined your feed and look ahead to seeking more of your wonderful post. Also, I have shared your site in my social networks

  39. It’s a shame you don’t have a donate button! I’d without a doubt donate to this brilliant blog! I suppose for now i’ll settle for book-marking and adding your RSS feed to my Google account. I look forward to brand new updates and will talk about this blog with my Facebook group. Chat soon!

  40. I am really enjoying the theme/design of your weblog. Do you ever run into any web browser
    compatibility issues? A small number of my blog audience
    have complained about my blog not working correctly in Explorer but
    looks great in Chrome. Do you have any solutions to help
    fix this problem?

  41. Sight Care is a daily supplement proven in clinical trials and conclusive science to improve vision by nourishing the body from within. The Sight Care formula claims to reverse issues in eyesight, and every ingredient is completely natural.

  42. Cortexi is a completely natural product that promotes healthy hearing, improves memory, and sharpens mental clarity. Cortexi hearing support formula is a combination of high-quality natural components that work together to offer you with a variety of health advantages, particularly for persons in their middle and late years. Cortex not only improves hearing but also decreases inflammation, eliminates brain fog, and gives natural memory protection.

  43. Boostaro increases blood flow to the reproductive organs, leading to stronger and more vibrant erections. It provides a powerful boost that can make you feel like you’ve unlocked the secret to firm erections

  44. Prostadine is a dietary supplement meticulously formulated to support prostate health, enhance bladder function, and promote overall urinary system well-being. Crafted from a blend of entirely natural ingredients, Prostadine draws upon a recent groundbreaking discovery by Harvard scientists. This discovery identified toxic minerals present in hard water as a key contributor to prostate issues.

  45. Puravive introduced an innovative approach to weight loss and management that set it apart from other supplements. It enhances the production and storage of brown fat in the body, a stark contrast to the unhealthy white fat that contributes to obesity.

  46. EyeFortin is a natural vision support formula crafted with a blend of plant-based compounds and essential minerals. It aims to enhance vision clarity, focus, and moisture balance.

  47. The Quietum Plus supplement promotes healthy ears, enables clearer hearing, and combats tinnitus by utilizing only the purest natural ingredients. Supplements are widely used for various reasons, including boosting energy, lowering blood pressure, and boosting metabolism.

  48. GlucoBerry is one of the biggest all-natural dietary and biggest scientific breakthrough formulas ever in the health industry today. This is all because of its amazing high-quality cutting-edge formula that helps treat high blood sugar levels very naturally and effectively.

  49. SonoVive™ is an all-natural supplement made to address the root cause of tinnitus and other inflammatory effects on the brain and promises to reduce tinnitus, improve hearing, and provide peace of mind.

  50. Gorilla Flow is a non-toxic supplement that was developed by experts to boost prostate health for men. It’s a blend of all-natural nutrients, including Pumpkin Seed Extract Stinging Nettle Extract, Gorilla Cherry and Saw Palmetto, Boron, and Lycopene.

  51. Introducing FlowForce Max, a solution designed with a single purpose: to provide men with an affordable and safe way to address BPH and other prostate concerns. Unlike many costly supplements or those with risky stimulants, we’ve crafted FlowForce Max with your well-being in mind. Don’t compromise your health or budget – choose FlowForce Max for effective prostate support today!

  52. Nervogen Pro, A Cutting-Edge Supplement Dedicated To Enhancing Nerve Health And Providing Natural Relief From Discomfort. Our Mission Is To Empower You To Lead A Life Free From The Limitations Of Nerve-Related Challenges. With A Focus On Premium Ingredients And Scientific Expertise.

  53. Endo Pump Male Enhancement is a dietary supplement designed to assist men improve their sexual performance. This natural formula contains a potent blend of herbs and nutrients that work together to improve blood flow

  54. Kerassentials are natural skin care products with ingredients such as vitamins and plants that help support good health and prevent the appearance of aging skin. They’re also 100% natural and safe to use. The manufacturer states that the product has no negative side effects and is safe to take on a daily basis. Kerassentials is a convenient, easy-to-use formula.

  55. Cortexi is an effective hearing health support formula that has gained positive user feedback for its ability to improve hearing ability and memory. This supplement contains natural ingredients and has undergone evaluation to ensure its efficacy and safety. Manufactured in an FDA-registered and GMP-certified facility, Cortexi promotes healthy hearing, enhances mental acuity, and sharpens memory.

  56. EndoPump is a dietary supplement for men’s health. This supplement is said to improve the strength and stamina required by your body to perform various physical tasks. Because the supplement addresses issues associated with aging, it also provides support for a variety of other age-related issues that may affect the body. https://endopumpbuynow.us/

  57. iGaming 업계에서 선두를 달리고 있는 프라그마틱 게임은 모바일 중심의 혁신적이고 표준화된 콘텐츠를 고객에게 제공합니다.
    프라그마틱

    프라그마틱과 관련된 이 글 정말 잘 읽었어요! 더불어 저도 제 사이트에서 프라그마틱에 대한 새로운 정보를 공유 중이에요. 함께 나누면 더 좋을 것 같아요!

    http://customercaresupportnumber.com/
    https://okgasda.weebly.com/
    https://dwqewqe.weebly.com/

  58. 프라그마틱 슬롯에 대한 정보가 정말 유용했어요! 더불어, 제 사이트에서도 프라그마틱과 관련된 새로운 내용을 찾아보세요. 함께 지식을 나누면 좋겠어요!
    프라그마틱 슬롯 사이트

    프라그마틱 관련 내용 감사합니다! 또한, 제 사이트에서도 프라그마틱에 대한 유용한 정보를 공유하고 있어요. 함께 서로 이야기하며 더 많은 지식을 쌓아가요!

    https://www.eprust.com
    https://www.iaz681.com
    https://spinner44.com/

  59. 프라그마틱 게임은 iGaming 분야에서 선도적인 콘텐츠 제공 업체로 꼽힙니다. 모바일 중심의 다양한 포트폴리오와 최상급 엔터테인먼트를 선보입니다.
    프라그마틱 슬롯

    프라그마틱은 항상 최고의 게임을 제공하죠! 여기에서 더 많은 흥미진진한 정보를 얻을 수 있어 기뻐요.

    http://flagyl500mg.site
    https://www.rachitadas.com
    http://advairgeneric.site

  60. Желаете завершить диплом скоро и без лишних заморочек? В Москве имеется обилие вариантов приобрести аттестат о высшем образовании – https://diplom4.me. Специализированные исключительно агентства предлагают помощь по приобретению документов от различных учебных заведений. Обращайтесь к надежным поставщикам и завершите свой диплом сегодня!

  61. Hey! This is my first visit to your blog! We are a collection of volunteers and starting a new initiative in a community in the same niche. Your blog provided us valuable information to work on. You have done a marvellous job!

  62. В эпоху сейчас достаточно сложно обеспечить будущее без высшего образования – https://www.diplomex.com/. Получить работу с подходящей зарплатой и комфортными условиями практически невозможно. Многие индивидуумы, узнав о существующей вакансии, вынуждены отказаться от нее, лишенные данного документа. Однако есть выход: заказать диплом о высшем образовании, который оценивается значительно дешевле, чем обучение. Особенности заказа диплома о высшем образовании: Если нужно лишь показать свидетельство друзьям, можно заказать копию по доступной цене. Но если его придется предъявить при трудоустройстве, необходимо подойти к этому вопросу с большей серьезностью.

  63. Howdy just wanted to give you a quick heads up. The text in your post seem to be running off the screen in Chrome. I’m not sure if this is a format issue or something to do with internet browser compatibility but I thought I’d post to let you know. The design and style look great though! Hope you get the problem resolved soon. Kudos

  64. Купить диплом о среднем образовании в москве – – это вариант скоро завершить бумагу об академическом статусе на бакалаврском уровне безо лишних хлопот и затраты времени. В столице России доступны множество опций настоящих дипломов бакалавров, гарантирующих удобство и легкость в получении.

  65. I was wondering if you ever considered changing the page layout of your blog? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having one or two images. Maybe you could space it out better?

  66. Доброго всем дня!

    Бывали ли у вас случаи, когда приходилось писать дипломную работу в крайне сжатые сроки? Это действительно требует большой ответственности и напряженного труда, но важно не унывать и продолжать активно участвовать в учебном процессе, как я и делаю.
    Для тех, кто умеет эффективно находить и использовать информацию в интернете, это может существенно облегчить процесс согласования и написания дипломной работы. Больше не нужно тратить время на посещение библиотек или организацию встреч с научным руководителем. Здесь, на этом ресурсе, предоставлены надежные данные для заказа и написания дипломных и курсовых работ с гарантией качества и доставкой по всей России. Можете ознакомиться с предложениями на https://1server-diploms.com, это проверено!

    купить диплом о среднем специальном
    купить диплом колледжа

    Желаю каждому нужных отметок!

  67. Здравствуйте!
    Нашел в сети ресурсы, которые помогли мне ускорить процесс написания диплома, благодаря чему стало немного легче.
    Предоставляем возможность купить диплом Гознак со скидкой, гарантией и быстрой доставкой в любой город РФ.
    http://artem-energo.ru/forums.php?m=posts&q=16732&n=last#bottom
    http://molbiol.ru/forums/index.php?showtopic=1089291
    http://drop-let.ru/index.php?subaction=userinfo&user=ijewaci

    Желаю всем пятерочных) отметок!

    купить диплом кандидата наук
    купить диплом в арзамасе
    купить диплом в туапсе
    купить диплом во всеволожске
    купить свидетельство о браке

  68. Приветики, дорогие мои!!
    В интернете я нашел ресурсы для диплома, которые помогли мне ускорить написание.
    У нас вы можете приобрести диплом университета без предоплаты с доставкой в любой город России, оплачивая после получения.
    http://www.finanso.net/index.php?subaction=userinfo&user=usufe
    http://redhawkclan.free.fr/index.php?file=Members&op=detail&autor=oxorojyw
    http://ds2.edu.sbor.net/index.php?subaction=userinfo&user=ililefy

    Желаю каждому положительных оценок!

    куплю диплом кандидата наук
    купить диплом университета
    купить диплом в батайске
    купить диплом учителя физической культуры
    купить диплом в крыму

  69. Wow, wonderful blog format! How long have you ever
    been blogging for? you made running a blog glance easy.
    The whole glance of your web site is fantastic, as smartly
    as the content! You can see similar here sklep

Leave a Reply

Your email address will not be published. Required fields are marked *