Tuesday, August 15, 2006

Trans-cultural Business Failure: Wal-Mart Exits Germany

In August 2006 Wal-Mart, the worlds largest retailer, announced that it was exiting operations in Germany. Bentonville based retail giant announced it was selling all the 85 of its hypermarkets to Metro (German retail giant). This marks the end of Wal-Mart’s German adventure which began in 1997 with the acquisition of Wertkauf.

I have lived in USA where I shopped, studied and observed Wal-Mart’s business operations. And the news came to me as no surprise. Back in 2003 I had posted a presentation on why Wal-Mart will find it tough to succeed in India. The recent news validated my observation that Wal-Mart’s cultural insensitivity led to its failure in Germany. (The same mistake is being repeated by Wal-Mart in Korea, Japan, China and Mexico)

History of Wal-Mart in Germany

Wal-Mart started with an aggressive global expansion strategy. In 1997, Wal-Mart bought Wertkauf, a leading retail chain. Later it acquired Interspar in 1998. Wal-Mart wanted to jump-start its European presence. In UK, Wal-Mart purchased ASDA, and started talks to buy the German retailing giant Metro. ( Wal-Mart could not acquire Metro - as Metro board rejected the idea. ASDA was acquired by Wal-Mart and is the second largest retailer in the U.K)

Wal-Mart’s Mistakes

The fundamental problem with Wal-Mart’s global expansion plans lies with its core advantages - a fully owned distribution network, standardized store layouts, warm & welcoming employees who greet customers, and standardized ERP systems. These factors enabled Wal-Mart to succeed in United States - but these factors can become a major disadvantage while operating abroad.

Firstly, Wal-Mart is not experienced in the game of acquisitions and mergers. Wal-Mart was built ground up in the USA and Canada. The lack of managerial skills needed to bring out the related synergy between itself and Wertkauf led to employee frustration. Moreover, the top management refused to acknowledge the differences in customer behavior in Germany when compared to its US customers, and the top management failed to listen to the feedback from its employees.

Wal-Mart stores are designed for customers who are willing to spend lot of time shopping. But in Germany, the shopping hours are shorter: Shops close by 5 PM on weekdays, and no shopping on Sundays. This meant that customers don’t have the habit of spending lots of time in a store - wandering around for the things they need. Coupled with this problem, German customers do not like to be assisted by Wal-Mart’s friendly store assistants. Germans prefer to do their own search for bargains.

Wal-Mart got its store merchandising wrong: Germans like to see the advertised discount products upfront - without having to ask the store assistant. This implies that the discount products must be placed at the eye level. Instead Wal-Mart chose to use its US style merchandise display strategy - where premium priced products are kept at eye level and discount products are kept at higher shelf or in the bottom racks. This irritated the German shoppers. Wal-Mart also got its store inventory wrong, Wal-Mart stocked its store with clothes, hardware, electronics and other non-food products were given much bigger floor space than food products, as a result more than 50% of the revenue was from non-food products. But other German retailers stock more of food products. For example for Metro, food products constitute more than 75% of the revenue.

Wal-Mart also failed to achieve the required economies of scale. To implement its US style hypermarkets, Wal-Mart invested in a robust distribution system with three warehouses and logistics centers - this implied higher cost. To be efficient Wal-Mart needed about 400+ stores, but it had only 85 stores.

The biggest mistake of Wal-Mart was to ignore the local culture, local buying habits and impose an American boss on its German operations. The first head of German operations was an expat from the USA - who did not understand Germany or its culture and insisted that all business operations be carried out in English language. I have not met him in person or even interacted with him - but from what I hear and understand, it is clear to me that the cultural insensitivity started right at the top.

Closing Thoughts

Cross-border, Cross-cultural business is a challenge even for the biggest companies. Companies have to be sensitive to the local cultures and tailor their offerings to local market. To localize their offerings, companies must carry out cultural assessment before acquisitions, maintain an ongoing cultural assessment of its foreign operations. This will help companies measure the effectiveness of its localization efforts and make adequate changes in local strategy & tactics.

The Wal-Mart example tells us that even the biggest of the companies are not immune to failures. Companies need to understand the local culture in order to capitalize on the local market.

The lessons learned from Wal-Mart’s experience in Germany, Korea and Japan can be applied by other retailers who are planning on expanding in India & China. Large retail chains such as Tesco, Metro, Carrefour, Home Depot, etc., have to be very careful when they plan to invest in countries outside their home markets. Indian market offers tremendous opportunities for these organized retailers - but it also comes with tremendous challenges. Indian consumers have deep rooted cultural biases which must be understood and overcome in order to succeed in India.

Also See:

Keep Overseas Staff Focused on the Right Goals
Cultural Assessment - Prerequisite for successful Mergers
Promoting Organizational Change Through Communication

70 comments:

pradeep said...

excellent article. very insightful. you inspire me to start blogging.

pradeep said...

forgot to mention.. ur blog goes into my favourites..

princess kali said...

thanks for all the great info. i am a business management student and your blog always helps me to give my papers a nice twist. keep up the good work!

ayesha said...

Good stuff, topics are wide and well written, thanks for your help! albeit received indirectly...

chobitz_news said...

Good article, but stores in Germany do noct close at 5 p.m., it's between 7 and 10 p.m. depending on the store...

rohit said...

hey arun i tired contacting you on orkut but could not, your work is really nice I am doin my dissertation on indian retail sector in food an opportunity for foreign investment.

rohit said...

hi this is really good can u please give me your contact number I really need to speak to you, or your email id, my id is RC548@mdx.ac.uk

namita joshi said...

Lovely article....I wish if I can get your reply on nami.mba@gmail.com.I am doing MBA in India.Thanks.
Nami

Midhun jose said...

Excellent Insights provided, You have taken each and every minute Cross-Cultural aspects into consideration. This will be a great help for all students and those who have any interest on International Business.

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mahipal said...

Dude i am about to write a long ass paper on Wal-Mart and its failures in germany.You made my job easier bro..

radhakrishna said...

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birry said...

Hello to all my viewers in the world my name is Elizabeth Henderson, I am from the New Arizona,United State, am here to testify of how i got a loan of ($150,000usd) from Mr birry lapocompany after i applied 5 times in my country from various loan lenders who claimed to be lenders they all fail me without give me the loan,i thought their genuine lender in my country where i can real applied but they never gave me loan until a friend of mine introduce me to Mr birry lapo company the l.a.p who promised to help me with a loan of my desire and he really did it as he promised without any form of delay, I never know thought there are still reliable loan lenders until i met Mr birry company, who really helped me with my loan and changed my life for the better now.I don't know if you are in need of loan. So you are feel free to contact Mr birry he offer loan to individual and public sector and certified them in a low interest rate of 2%. Bad credit acceptable with any individual and public sector that are in need of financial Assistance it dose not matter were he live all you need is money and is very genuine company. thank you for reading my massage from Elizabeth Henderson you can email via for your own help birrylapomicrofianacebank@gmail.com

Mrs Sharon Sim said...

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

Marina Luda said...

Hello Everybody,

TESTIMONY ON HOW I GOT A LOAN TO CHANGE THE BROKE LIFE OF MY FAMILY

My name is Marina Luda. I live in USA Florida and i am a happy woman today? I told my self that any Loan lender that could change my Broke Life and that of my family, i will refer any person that is looking for loan to Them. They gave happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as a widow with 3 kids I meant this honest and GOD fearing loan lending company online that helped me with a loan of $250,000.00 U.S. Dollar, They are indeed GOD fearing People, working with a reputable loan company. If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mr. Oscar James referred you to them.

contact via E_mail:oceanfinancials.uk.net@gmail.com website http://oceanfinancialsloanfirm.webs.com/


Marina

Dorene Zeller said...


MY TESTIMONY FROM A LEGITIMATE MONEY LENDER
My name is Dorene Zeller, I am from United State. Have you been looking for a loan?Do you need an urgent personal or business loan?contact Dennis Hopkins Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service. Email:dennishopkins_financehome@live.com or http://www.dennishopkinsfinancehome.com/ or dennishopkins69@yahoo.com or Tel: USA +12404374240 Skype ID:roger.n.william Tel:UK+447509546091.He is a trust worthy man.

Dorene Zeller said...


MY TESTIMONY FROM A LEGITIMATE MONEY LENDER
My name is Dorene Zeller, I am from United State. Have you been looking for a loan?Do you need an urgent personal or business loan?contact Dennis Hopkins Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service. Email:dennishopkins_financehome@live.com or http://www.dennishopkinsfinancehome.com/ or dennishopkins69@yahoo.com or Tel: USA +12404374240 Skype ID:roger.n.william Tel:UK+447509546091.He is a trust worthy man.

Kesby Jean said...

I am Mrs Kesby Karen and it gives me joy writing this article of my testimony on how i became financially stable and summary of my previous finance stage before now. I believe there is nobody that doesn`t like money, when one is having finances, there is inner joy in you and i am among those having joy now and i will through this article saves you that is reading now in financial mess on how to be financially stable with Williams Jeffery Loan Company Before now, i make little earn with one transport company i was working with and it didn`t take me anywhere, i lived in struggle and what pained me most was my family because my husbands little salary couldn't cater and take good care of me and our children`s needs but i had no choice but to manage the business and another thing that caused me grief was i didn`t always have time for my family and i wanted a business for myself but i couldn`t even afford a hundred dollar to make it work. But when i thought all hope and aspiration for my business plan was void then a friend of mine now retired in the same transport company where i worked advised me and referred me to an online Financial Institute that could better my financial stage and he stressed on that he is living well and fine today because of the financial body and i contacted them for help and to my greatest amazement, i was offered a loan of 120,000usd at affordable 2.5% rate for 7years after due process and today i am living well and happy and i now have time for my family because i am my own boss now. And i will forever maintain a standard relationship with Williams Jeffery Loan Company because they are the reason i am living with joy today. For as many in financial mess, bad credits, debt, in need or whatsoever challenges that you`re in today don`t fail to contact them on their email: williamsjefferyloancompany@gmail.com and i do assure you that your desires will be manifested.

Kathie Smith said...



Recently I was involved in a scam with a company pretending to be a loan company that went in search of a lender that would lend money to people with bad credit. To make a really long story short I was naive and ended up wiring a total of $13000.00 to Nigeria,Ghana,Malaysia and Singapore.The worst part of this whole thing is that I did my research like I was supposed to, the company was listed in the phone book in MA, and I also checked them out!!! Everything checked out fine and when the money never came in the company said that they were going to refund my money and when the money never came in I tried to call the company and the recording now says Thank you Goodbye and hangs up on you. I was Lucky to get in Contact with Dennis Hopkins Finance Home that offered me a loan of $500.000. i will refer anyone in need of financial Help to http://www.dennishopkinsfinancehome.com/ or dennishopkins_financehome@live.com or dennishopkins69@yahoo.com Tel: USA +12404374240 Tel:UK +44750954609 Skype Id:roger.n.william I had a wonderful experience with them. Dennis Hopkins Finance Home is a legitimate Money Lender

rose said...

DIRECT SERVICE ONLINE FIRM
HEAD OFFICE---Richmond Road,Worthing, United Kingdom
EMAIL--[directserviceonlinefirm@gmail.com]
---------------------------------------------------------------------------
We give out loans from the range of $1,000 to $90,000,000.at an interest
of 2% Interest rate.

Interested clients should please fill our form below-

NAME--------------
COUNTRY-----------
ADDRESS--------------
AMOUNT OF LOAN NEEDED-------
PURPOSE OF LOAN ------------
SCAN AND ATTACH YOUR IDENTITY CARD--
OFFICE/HOME PHONE NUMBER-----------
GENDER---------------------------

Our company mailing contact box is
via- [directserviceonlinefirm@gmail.com]

ROSE WILLIAMS
EMAIL--[directserviceonlinefirm@gmail.com]
DIRECT SERVICE ONLINE FIRM

Tracy Williams said...



HELLO
Are you in any kind of financial difficulty? Are you having
sleepless nights and worried on how to get a loan to relief
you of all your financial stress? Your help comes now.

Contact: TRACY WILLIAMS LOAN COMPANY for easy and
reliable loans at 3%.
Email: tracywilliamsloancompany@gmail.com

APPLICANT'S INFORMATION
Full Name:.........
Country:...........
State:.............
Sex:...............
Loan Amount:.......
Loan Duration:.....
Address:...........
telephone number:..

TRACY WILLIAMS

Tracy Williams said...



A licensed Loan Lender, We offer Affordable Loan at 3% interest rate available for local and international borrowers, Are you seriously interested in getting a genuine Loan without stress? Do you need this Loan for business and to clear your bills? Then send us an email now for more details via:(tracywilliamsloancompany@gmail.com)

LOAN APPLICATION FORM.

(1)Full Name:
(2)Country:
(3)State:
(4)Address:
(5)Sex:
(6)Occupation:
(7)Amount needed:
(8)Loan duration:
(9)Loan purpose:
(10)Telephone

Email Us:(tracywilliamsloancompany@gmail.com)

TRACY WILLIAMS

rose said...

DIRECT SERVICE ONLINE FIRM
HEAD OFFICE---Richmond Road,Worthing, United Kingdom
EMAIL--[directserviceonlinefirm@gmail.com]
---------------------------------------------------------------------------
We give out loans from the range of $1,000 to $90,000,000.at an interest
of 2% Interest rate.

Interested clients should please fill our form below-

NAME--------------
COUNTRY-----------
ADDRESS--------------
AMOUNT OF LOAN NEEDED-------
PURPOSE OF LOAN ------------
SCAN AND ATTACH YOUR IDENTITY CARD--
OFFICE/HOME PHONE NUMBER-----------
GENDER---------------------------

Our company mailing contact box is
via- [directserviceonlinefirm@gmail.com]

ROSE WILLIAMS
EMAIL--[directserviceonlinefirm@gmail.com]
DIRECT SERVICE ONLINE FIRM

George Clydesdale said...

Welcome To George Clydesdale Loan Service….

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

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

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate @3% 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: {clydesdaleloancompany@yahoo.com or clydesdaleloancooperation@hotmail.com} or Tel: +1(347) 708-8926

So we await to hear from you soon.
Thanks for your cooperation
George Clydesdale...

James Halt said...

Do you need an urgent loan or any other financial assistance?
We offer all type of loan at two percent (2%) interest. email us now
via jameshaltloanfirm@gmail.com with the following information

full name

date of birth::

country:

permanent address:

occupation:

loan amount:

loan duration:

loan purpose:

monthly income:

have you applied before:

Avit Investment said...

Greetings to you by ADIA.
We are a France-Paris based investment company known as Avit
Development Investment Authority working on expanding its portfolio
globally and financing projects.
We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Kristina Anderson
(Personal Assistant)
Avit Development Investment Authority(ADIA)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Avit Development Investment Authority (ADIA)

Accurate Solutions said...

Accuratesolutions Mobile-Anwendung Entwicklungsunternehmen . Eastern Apps ist ein f├╝hrender mobile Anwendungen Entwicklungsunternehmen hoch Know-how in iPhone, Windows und Android- Apps.

Amanda Bryan said...

Hi, Am here to testify about how i save my marriage from divorce and get my husband back today.! A very big problem occurred in my Marriage seven months ago,between me and my husband .so terrible that he took the case to court for a divorce. he said that he never wanted to stay with me again,and that he didn't love me anymore.So he packed out of the house and made me and my children passed through severe pain. I tried all my possible means to get him back,after much begging,but all to no avail.and he confirmed it that he has made his decision,and he never wanted to see me again. So on one evening,as i was coming back from work,i met an old friend of mine who asked of my husband .So i explained every thing to him,so he told me that the only way i can get my husband back,is to visit a spell caster,because it has really worked for him too.So i never believed in spell,but i had no other choice,than to follow his advice. Then he gave me the email address of the spell caster whom he visited. TEMPLEOFLOVEANDPROSPERITY@GMAIL.COM. So the next morning,i sent a mail to the address he gave to me,and the spell caster assured me that i will get my husband back the next day. What an amazing statement!! I never believed,so he spoke with me, and told me everything that i need to do. Then the next morning, So surprisingly, my husband who didn't call me for the past 7 months, gave me a call to inform me that he was coming back. So Amazing!! So that was how he came back that same day,with lots of love and joy,and he apologized for his mistake,and for the pain he caused me and my children. Then from that day,our relationship was now stronger than how it were before,by the help of a spell caster. So, i will advice you out there if you have any problem contact Dr Frank Ojo, i give you 100% guarantee that he will help you.. Email him at: Templeofloveandprosperity@gmail.com . My name is Amanda Bryan, me & my family live in Toronto, Canada.Thanks for reading .

Nicole Marie said...

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

My Name is Nicole Marie, I live in USA and life is worth living comfortably for me and my family now and i really have never seen goodness shown to me this much in my life, As i am a struggling mum with two kids and i have been going through a serious problem as my husband encountered a terrible accident last two weeks, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again and i could not afford the bill for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i ran to my father and he was not able to help me, then when i was browsing through yahoo answers and i came across a God fearing man (Mr Martinez Lexie) who provides loans at an affordable interest rate and i have been hearing about so many scams on the Internet mostly Africa, but at this my desperate situation, i had no choice than to give it an attempt due to the fact that the company is from United State of America, and surprisingly it was all like a dream, i received a loan of $82,000.00 USD and i payed for my husband surgery and thank GOD today he is ok and can walk, my family is happy and i said to myself that i will shout to the world the wonders this great and God fearing Man Mr Martinez Lexie did for me and my family; so if anyone is in genuine and serious need of a loan do contact this GOD fearing man via Email: ( Lexieloancompany@yahoo.com ) or text Tel: +14069460675 thanks

Anita Frank said...

HOW I GOT MY LOAN FROM THIS GREAT COMPANY

Hello my dear people , I am Anita Frank, currently living in New jersey city, USA. I am a widow at the moment with three kids and i was stuck in a financial situation in April 2015 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not full prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I met Mr. Wilson Edwards the most interesting part of it is that my loan was transfer to me within 74hours so I will advice you to contact Mr. Edwards if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… (wilsonedwardsloancompany@gmail.com) No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Mr. Wilson Edwards today for your loan
They offer all kind of categories of loan they
Short term loan (5_10years)
Long term loan (20_40)
Media term loan(10_20)
They offer loan like
Home loan............., Business loan........ Debt loan .......
Student loan..........,Business start up loan
Business loan....... , Company loan.............. etc
Email..........(wilsonedwardsloancompany@gmail.com )
When it comes to financial crisis and loan then Wilson Edwards loan financial is the place to go please just tell him I Mrs. Anita Frank direct you Good Luck.......................

andy james said...

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

Andrew Thompson said...

How I Was Rescued By A God Fearing Lender (Lexieloancompany@yahoo.com)

Hello, I am Andrew Thompson by Name currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: Lexieloancompany@yahoo.com or call +1(406)946-0675 thanks, I am sure he will also help you.

Tarsha Dannis Banks said...

Affordable Loan To Get Your Financial Problem Solved { Clydesdaleloancompany@yahoo.com }

Good day everyone, I am Tarsha Dannis by name, i am a citizen of Mississippi ,Ontario USA, i have been looking forward for a genuine loan company for the past 9 months and all i got was group of scams who made me to trust them and at the end of the day, they duped me of $4900 without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net again, because i never trusted any loan company since i was scammed, so i went to borrow some money from a friend, i told her all that happened and she said that she knows a loan company that can help me, that she just got a loan from them, she directed me on how to apply for the loan, i did as i was instructed, i applied, though i never believed but i tried and to my greatest surprise my loan was granted to me within 48 hours, i could not believe, i am happy and could help my family up again and i am thanking God that upon this scams all over the places a genuine company like this still exist, please i advise everyone out there who are in need of loan and can be reliable, trusted and capable of paying back at the due time of funds do visit them now via { Clydesdaleloancompany@yahoo.com } or Tel: (347) 708-8926 or visit there webpage http://georgeclydesdaleloans.bravesites.com/ and be free from scams on the internet.

They will never disappoint you.

Margret Buchan said...

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 USA Florida +18503666201

Alexander Owen said...

Hello,
Do you need an urgent loan to clear your debts or you need a capital loan to improve your business?have you been rejected by banks and other financial agencies? Do you need a consolidation loan or a mortgage? search no more as we are here to make all your financial problems a thing of the past.

We offer loans to those that are interested at an affordable interest rate of 2%.Amount range from $5,000.00 Dollars to a maximum of $100,000,000.00 Dollars.

Our loans are well insured as maximum security is our priority.
INVESTORS ARE ALSO NEEDED.

Contact us via email:
owenloanfirm@hotmail.com

Kind Regards
ALEXANDER OWEN
GIVING YOUR WORLD A MEANING.

Alexander Owen said...

Hello,
Do you need an urgent loan to clear your debts or you need a capital loan to improve your business?have you been rejected by banks and other financial agencies? Do you need a consolidation loan or a mortgage? search no more as we are here to make all your financial problems a thing of the past.

We offer loans to those that are interested at an affordable interest rate of 2%.Amount range from $5,000.00 Dollars to a maximum of $100,000,000.00 Dollars.

Our loans are well insured as maximum security is our priority.
INVESTORS ARE ALSO NEEDED.

Contact us via email:
owenloanfirm@hotmail.com

Kind Regards
ALEXANDER OWEN
GIVING YOUR WORLD A MEANING.

Alexander Owen said...

Hello,
Do you need an urgent loan to clear your debts or you need a capital loan to improve your business?have you been rejected by banks and other financial agencies? Do you need a consolidation loan or a mortgage? search no more as we are here to make all your financial problems a thing of the past.

We offer loans to those that are interested at an affordable interest rate of 2%.Amount range from $5,000.00 Dollars to a maximum of $100,000,000.00 Dollars.

Our loans are well insured as maximum security is our priority.
INVESTORS ARE ALSO NEEDED.

Contact us via email:
owenloanfirm@hotmail.com

Kind Regards
ALEXANDER OWEN
GIVING YOUR WORLD A MEANING.

Osman raheem said...

Brothers/Sister's. Are you looking for loan to finance your large or small business,we'll help you get the large amount of loan you desire for your business,we offer first class business and commercial loan to enable small scale business attain success in obtaining start up or refinance their business Bad credit rating accepted and poor business performance are accepted.apply today via email ( osmanloanserves@gmail.com

OGUDUGU SPELL CASTER said...

Hello,

I'm Dr Ogudugu a real and genuine spell caster with 25 years experience in spell casting. I'm an expert in all spell, i specialize exclusively in LOVE, FRUILT OF THE WOMB, HIV/AIDS CURE, CURE FOR HERPES, MERMAID SPELL, VAMPIRE SPELL, MONEY SPELL, DEATH SPELL, CHILD BIRTH, GET YOUR EX LOVER BACK.
If you have a problem and you need a real and genuine spell caster to solve your problems, contact me now through my personal email address, GREATOGUDUGU@GMAIL.COM

Note- mail me VIA Contact info- GREATOGUDUGU@GMAIL.COM

Warm Regards and my blessings,
Dr Ogudugu

nabilmubarak said...

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Dr Aliu Shadira said...

GENUINE LOAN WITH 3% INTEREST RATE APPLY NOW.
Are you in need of a Loan to pay off your debt and start a new life? You have come to the right place were you can get your loan at a very low interest rate. Interested people/company should please contact us via email for more details.

E-mail: shadiraaliuloancompany1@gmail.com

Carolyn V. Metnick said...

HOW I GOT MY LOAN FROM ELVIN LOAN COMPANY{elvinloancompany@yahoo.com}

I am Carolyn V. Metnick,from Ohio USA, i want to use this great medium to announce this lender Elvin Morrison who is really a God sent to my family. few months back i was in search of a loan from the internet where i was scammed of $3250.00, i never thought i will ever apply for a loan on the internet again before i met a post about this lender made by one Maury who also got a loan from them, then i took a try again, after loan processing i was ask to provide my banking details which i did and to my greatest surprise i was granted a loan of $45,000.00 at first i thought it was a joke until i got to the bank to confirm and it was true, i was overwhelmed with joy. so i want you all who desire a loan and are capable of paying back the funds at the due time to contact: elvinloancompany@yahoo.com or on page http://elvinloancompanys.bravesites.com or Tel:+13072132540 and be a partaker of my testimony ....

Charan K said...

Thank you so much... your blog is giving very useful knowledge for all.i didn’t have the knowledge in this now i get an idea about this..
thks a lot:-)To know more spot cash for card swiping

karen disch said...

After being in relationship with Morgan for seven years,he broke up with me,I did everything possible to bring him back but all was in vain,I wanted him back so much because of the love I have for him,I begged him with everything,I made promises but he refused.I explained my problem to someone online and she suggested that I should rather contact a spell caster that could help me cast a spell to bring him back but I am the type that never believed in spell,I had no choice than to try it,I mailed the spell caster, and he told me there was no problem that everything will be okay before three days,that my ex will return to me before three days, he cast the spell and surprisingly in the second day,it was around 4pm.My ex called me,I was so surprised,I answered the call and all he said was that he was so sorry for everything that happened,that he wanted me to return to him,that he loves me so much.I was so happy and went to him,that was how we started living together happily again.Since then,I have made promise that anybody I know that have a relationship problem,I would be of help to such person by referring him or her to the only real and powerful spell caster who helped me with my own problem and who is different from all the fake ones out there.Anybody could need the help of the spell caster you can email him drakugbespellhome1@gmail.com if you need his assistance in your relationship or anything I CAN NEVER STOP TALKING ABOUT YOU SIR DR patrick HIS EMAIL:he can also help to cure any kind of illness like
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