‘We Have Taken Micro-Credit Scheme to Other Heights’ – Anthonia Ifeanyi Ashiedu, commissioner for poverty alleviation

Anthonia Ifeanyi Ashiedu, commissioner for poverty alleviation, says the ambition of the government in respect of the ongoing leather works factory being built in collaboration with UNIDO is “to be able to compete for international products like NIKE shoes”

Antonia Ifeanyi Ashiedu

Anthonia Ifeanyi Ashiedu

Your ministry runs one of the star programmes of Delta State government poverty alleviation through micro-credit. How did you come this far?

You know, when we talk about poverty alleviation, yes, this is the ministry. But when you talk about poverty and issues of how to solve them, it is not just a question of micro-credit neither is it a question of entrepreneurs alone. You look at it in the sense of macro way, which is what this administration has done. It has tackled poverty through education, getting our children into very good schools. Above all, children who get to WAEC and NECO, government undertakes to pay their fees. So parents here don’t have to worry about paying those fees for those external examinations. Then again, for everyone who makes a First-Class, in Delta State, already you’ve become a government scholar. We’ve given lots of scholarships. These are issues that tackle poverty. You look at the health sector, from conception to when a child is five years old; it is totally free. Free maternal healthcare! These are issues that assist in solving poverty. The water schemes, the infrastructure development, these are issues and indices that help to solve poverty situation.

If you zero down now to empowering the people, to making the people feel a sense of belonging, to making the economies of the communities bubble, as we say in Delta State, we then come down to the issue of the micro-credit scheme. Our micro-credit programme, we are so happy and proud to say, it was one of those policies that the governor, even as a [governorship] aspirant, promised the people of the state that there would be a micro-credit programme. This programme came on board, precisely December 14, 2007.

This is my area of specialisation. Indeed, my Ph.D. thesis is strictly on poverty-related issues. “Mass Poverty in Nigeria and How to Handle It”. Again, I have the singular privilege and luck to have also worked with development agencies, to have worked with United Nations agencies, collaborating with them, not as a staff. The same with collaborating with the World Bank in different committees at the federal level, before coming down to the state. So this I would say is really my turf, my terrain. So all I have to do was bring to bear what I have done elsewhere, and do it in my state; adapt it as it will soothe us. Having said that, for every poverty alleviation programme, you have to tailor it to the needs of the people; to the least of the people in the community where you work.

But here in Delta State, I will say that at the inception of the programme, it was met with a lot of challenges, and the main one actually came from the people the programme was meant to help. They were very cynical. And how did they come to believe in the Delta State Micro-Credit Programme? They believed because despite the cynicism, we go to communities, when we say we are coming in two weeks, in three weeks, we will be there. We will say we are coming for disbursement, and it will happen. And there was due diligence, due process. But again, we make the people to own the programme. So getting the people to believe, building trust with the people and bonding with them have been the key ingredients for the success of this programme.


What about markets for these products?

I will use our spice as an example. Our spice for instance, is the typical example of what you will call the value-chain experience; from the farm to the factory, and they package and they export. And they sell in supermarkets all over Nigeria. They are sold in Shoprite franchises all over Africa. Then again, we look at our shoe-making; our shoes are sold as far as Cameroun. Our shoes, like the spices and plantain flour, are also making waves. These shoes have elicited a lot of interest from the United Nations Industrial Organisation, UNIDO. UNIDO is now collaborating with us to build a first-class leather work factory that will be the best, and I am quoting UNIDO, in West Africa. As we speak, work is going on, on this factory. The equipments have already been bought; we are just waiting for the structure to be completed. It is sited along Benin-Asaba road. Not only that, technical training will also be undertaken in Europe. Arrangement for that is almost concluded; in Italy for that matter.


Would you say now that a significant number of youths have been taken away from idleness, given the fact that Delta used to be associated with restiveness?

If you recall, the governor has a three-point agenda. Peace and Security; Human Capital Development; and Infrastructural Development. If there is one thing that we are proud that this programme has done, it is in the area of peace. Let me give you an example. If you are familiar with Delta State, you would have heard about Uvwie Local Government Area. Uvwie used to be the bedrock of youth restiveness, however, something phenomenon happened there. I used the word phenomenon; mark my word. The Institute of Marine and Oceanography Research came to visit Ekpan in Uvwie. What is going on in Ekpan? It is the biggest fish farming estate. This fish farming estate, initially, was not the creation of Delta State. The youths of Uvwie decided on their own, to start a fish farm. Why this story is so important is that their neighbour is Chevron; the boundary between them and where they started this fish farming estate is Chevron, and when you recall the history of agitations for resource control and suddenly, a group of youths now said, let us look beyond this oil matter and do something for ourselves, it’s remarkable. And they started creating a fish-farm estate. In August 2008, when we first intervened there, they had 2,000 fish ponds. Today, they have over 6,000 fish farms.  Indeed it has created a lot of jobs for everyone around that vicinity. What also made us happy was that some other youths somewhere saw what was going on there, and decided to replicate it. Not too far from our office here, is Camp 74 fish farm estate, where you have young boys, graduates who decided on their own also to start almost what is happening in Uvwie and today they have over 500 fish ponds there, and it continues to grow.



Antonia Ifeanyi Ashiedu 2

Anthonia Ifeanyi Ashiedu

Can we have an idea of what government has put into the programme?

Government has really taken this programme seriously such that as of date, this government has put in over N3 billion. And for doing that, and believing and following it up, there have been a lot of collateral advantages to it, in the sense that a large number of people have benefitted. Other people have also shown interest in other things we are doing. And it has also given us the leverage to take the programme to some other heights, like introducing micro-insurance scheme.


You talk about this programme and the products with pride. To what level have you taken it?

Indeed I think there is a Nigerian proverb which says “when a lizard falls from the tree and no one praises it, it nods its head and praises itself”. I think the Delta State government has every reason to praise itself, and be very proud of its achievement with the Delta State Micro-Credit Programme. Because this programme has received a lot of accolades from especially those for whom the programme was meant, so locally, people have really accepted it. Nationally of course, it has won several awards; and internationally, it has also done well. And I must say that even in the universities, we’ve had reason to talk about this programme.  February this year, I had the opportunity to do a programme at the Harvard University; we were 45 participants, I was the only Nigerian in the group. We were asked to submit projects that would become the syndicate project. They would take just 10 of the 45 projects that we were syndicated to as groups, and the Delta State micro-credit programme, specifically the insurance programme, was the one that was submitted by us, and it was taken as the syndicate group programme project for that particular course. So, even outside the shores of Nigeria, the Micro-Insurance Programme launched on April 23, they were quite happy with what has just happened, because they could also see their own contribution to it; contribution in the sense that it was a project that was among the 10 selected for a Harvard University project.


How did the micro insurance scheme come about?

Micro insurance is novel in Nigeria, and we are the first state to have launched it. One of the biggest problems that a micro and small businessperson normally faces is the issue of, if something happens to my business, how do I restart the business? If there was an act of nature, like flood, like it happened in Delta State in 2012, what will happen? Even if there is death in the group, what will happen? And usually at that level of cooperation, at that level of doing business at the bottom of the pyramid, there is always that anxiety; there is always that fear, so we looked at it, after we had the flood that occurred in our fish farm estate in Camp 74 in 2011. Before then, we had thought about the micro insurance scheme, and we got them to become part of it; we were using it as a pilot programme to see how it will work. We got the Nigeria Agricultural Insurance Corporation, NAIC, to work with us. When that flood happened in September 2011, before the 2012 flood, because they had already been part of this insurance scheme, NAIC came immediately it was called to come and see they did their work and paid promptly. And business started all over again. So that pilot project, encouraged us, it gave us the impetus to say, we can do it on a broad basis. So it is a novel thing, but it is something that all businesses require to thrive and we hope more insurance companies, not only in Delta State, will begin to insure small businesses.


Do they put Made-in-Nigeria or Made-in-Delta?

Good question. With our shoemakers, the usual problem of developing countries was also there. At the beginning of our building the groups, the shoes, they will stamp them Made in Italy. We said No. but they said nobody will buy unless it is written made in Italy. But you see again, when you want programmes like this to succeed, you don’t force things down their throat. You allow time for them to build their confidence. By the time we went for a few outings and they saw how proud people were of their products, we said okay, why don’t you put DMCP – Delta Micro Credit Programme; they will think it is foreign, and they started stamping DMCP. As the confidence began to grow, we said okay, why don’t you put made in FRN, Federal Republic of Nigeria, and they stamped FRN. I believe that by the time our shoe-making village is ready, our leather factory is ready, and a couple of them would have gone for these training in Italy, when they come back, they will be able to say, made in Nigeria. The reason is this. We are very ambitious about this leather work project. We want to be able, here in Asaba, here in Delta State; to compete for International products. The NIKE shoes we wear are not made in America, many of them are out-sourced. Same with Adidas; Nigerians are very resilient. Nigerians are very hard working. We can cash in on these international contracts for our people. And that will help our economy. This is really part of the way we want to go. And in doing the shoemaking business, when UNIDO came here, the ceremonial clothes we wear in Asaba, they were very interested in the clothes. And they took the clothes with them. By the time we also did some work on it, some few designers got interested, and it will surprise you and make you understand how far our programme is going. A designer like Giorgio Armani is interested in the Akwaocha. Because now the clothes will also be used as part of the things we use in making shoes that will be unique to Nigeria, and can sell internationally.

Related posts


  1. anal fuck said:

    This piece of writing presents clear idea for the new people of blogging,
    that in fact how to do running a blog.

  2. Tu ho so said:

    It’s a shame you don’t have a donate button! I’d most certainly donate to this fantastic 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 share this website with my
    Facebook group. Chat soon!

  3. Jaunita said:

    It’s not simply a rise in laser pubic hair extraction; however the backs and also legs have become substantially trendy solution areas

  4. Lona said:

    Hi there Dear, are you really visiting this site on a regular basis,
    if so after that you will definitely get nice knowledge.

  5. www.lensvq.com said:

    Great site you have got here.. It’s difficult to find good quality writing like yours
    these days. I seriously appreciate individuals like
    you! Take care!!

  6. bbtile.kr said:

    Thank you for sharing your thoughts. I really appreciate your efforts and I am waiting for your
    further post thanks once again.

  7. Francesco said:

    Thanks for sharing your thoughts. I really
    appreciate your efforts and I am waiting for your next write ups thanks once again.

  8. smink-626040/carmex said:

    Today, I went to the beach front with my kids.
    I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.”
    She placed the shell to her ear and screamed.
    There was a hermit crab inside and it pinched her ear.
    She never wants to go back! LoL I know this is entirely off topic but I
    had to tell someone!

  9. http://www.paintress.ch/ said:

    Wonderful paintings! This is the kind of info that should be shared around the net.
    Disgrace on the search engines for no longer positioning this publish upper!
    Come on over and talk over with my web site .
    Thank you =)

  10. workforce management software programs said:

    I love your blog.. very nice colors & theme. Did you design this website yourself or did you hire someone to do it for you?
    Plz reply as I’m looking to construct my own blog and would like
    to find out where u got this from. thank you

  11. Halina said:

    Hello to every body, it’s my first go to see of this web site; this webpage includes remarkable and really
    good stuff for visitors.

  12. oceanside ca hotels cheap said:

    An Oceanside Spectrum tape, a Diabetes Awareness Affair, coaching for Cycle The Shore
    (sidenote: checkout our promotion for KOCT here) and also the Oceanside Harbor Times Pageant!

  13. Vivian said:

    On the coronary heart of the company remains
    the marriage ring cushion collection, which now varieties
    a part of the Olivier Laudus Signature Assortment.
    The collection additionally features guestbooks, dolly baggage and bridal jewelry.
    Each merchandise comes with an opulent complimentary presentation field and card stating its part of the Olivier Laudus Signature Assortment confirming that Olivier has been personally concerned
    in designing the items, including usually additionally choosing the fabrics,
    beads and crystals used.

  14. Olga said:

    I used black flannel that matches my display trays, I’d advocate a stable color or a print that isn’t too busy or too brightly coloured so it will not distract out of your

  15. Jorg said:

    It’s fascinating to notice that neither Wilkinson nor
    Vidya Dehejia mentions or depicts a single image frame in any
    dialogue of Indian silver.

  16. Hosea said:

    Cooksons supplies a full vary of Jewelery tools, – every little thing from primary hand instruments, pre packed software kits,
    consumables, larger equipment right through to the skilled jewelers bench.

  17. Vicki said:

    To accumulate gems and create distinctive rings during which to set them, the acquisition of your engagement and wedding rings is without doubt
    one of the most vital purchases you will ever make, both financially and emotionally.

  18. Christian said:

    This makes it good for use on gemstone jewellery.
    Most of the time, the best carat white gold you’ll find is 18k.

  19. Mariana said:

    I have been browsing online more than 4 hours today,
    yet I never found any interesting article like yours.
    It’s pfetty worth enough for me. In my opinion, if all site owners and bloggers made good content as
    yoou did, the internet woll be much more useful than ever before.|
    I couldn’t refrain from commenting. Well written!|
    I will right awy grazsp your rss feed as I can not in finding
    your email subscription hyperlink or newsletter service.
    Do you’ve any? Kindly permit me recognize so that I could subscribe.
    It is perfeht 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 desire to suggest you somne
    interesting tnings or suggestions. Perhaps you could
    write nexct articles referring to this article. I want to read even more
    things about it!|
    It’s aplpropriate time to make a few plans for the long run and it’s time too bbe happy.
    I have read this submit and if I may just I want to recommend you few fascinating things or suggestions.

    Maybe you could write next articles regarding his article.
    I desire tto learn even more things approximately it!|
    I’ve been surfing on-line more than 3 hours these days, yet I never discovereed any
    interesting article liie yours. It is lovely worth enough for me.

    In my opinion, if all site owners and bloggers made good content as you did, the net willl likely be much
    more ueful than evver before.|
    Ahaa, its ood conversation on the toopic of this piece of writing
    here at this website, I have read all that,
    so now me also commenting here.|
    I am sure thus artticle has touched all thhe internet visitors, its
    really really fastidious article on building up new website.|
    Wow, this paragraph is good, my sister is analyzing these things, tus I am going to let know her.|
    Saved as a favorite, I love your web site!|
    Wayy cool! Some extremely valid points! I appreciate you penning this write-up and also thhe rest of thee website is
    extremely good.|
    Hi, I do think this is an excellent site. I stumbledupon it
    😉 I’m going tto come back once again siince I saved as a favorite it.
    Money and freedom iss the greatest waay to change, may yyou be ridh and continue
    to help other people.|
    Woah! I’m really enjoying the template/theme of
    this site. It’s simple, yet effective. A lot of times it’s difficult to
    get that “perfect balance” between user friendliness and visual appearance.
    I must say you’ve done a fantastic job with this. Also, the blog loads
    very fast for me on Chrome. Superb Blog!|
    These are genuinely great ideas in regarding blogging.
    You have touched some nice factors here. Any way keep up wrinting.|
    I love what you guys are usualky up too. This kind of clever work and
    exposure! Keep up the excellent works guys I’ve included you guys
    to mmy own blogroll.|
    Howdy! Someone in my Facebook group shared this site with us
    soo I came to take a look. I’m definitely enjoying the information. I’m bookmarking and
    will be tweeting this to mmy followers! Fantastic blog aand superb design and style.|
    I enjoy what you guys tend to be up too. This type of clever work and coverage!
    Keep uup the great works guys I’ve included youu guys to my blogroll.|
    Hi would you mind sharing which blolg plagform you’re using?
    I’m looking to start my own bloog in the near futurfe but I’m having a tough tiime
    decciding between BlogEngine/Wordpress/B2evolution and Drupal.
    The reason I ask is because your design seems different then most
    blogs and I’m looking for somewthing unique.
    P.S My apologies for being off-topic bbut I had to ask!|
    Hi there would you mind letting me know which hosting comany you’re working with?
    I’ve loaded your blog in 3 different browsers and I must say thios blog loads a lot faster then most.

    Can you suggest a goo internet hosting provider at a honest price?
    Thank you, I appreciate it!|
    I love it when folks come together and share opinions.

    Greast blog, stick with it!|
    Thank you for tthe auspicious writeup. It in faqct was a amusement account it.
    Look advanced to far added agreeable from you! However, how could we communicate?|
    Howdy just wanted to give you a quick heads up.
    The text in your post seem to be running off the screen in Opera.
    I’mnot sure if this is a formattin issue or something to do
    with internet brrowser compatibility but I thought I’d post to let you know.
    The design look great though! Hope you get thhe problem fixed soon. Cheers|
    This is a topic that iis near to my heart… Cheers! Where aree your contact details though?|
    It’s very somple to find out any matter on web as compared to books, as I found this article at this
    Does your website have a contact page? I’m having trouble locating it but,
    I’d like too sholot you an email. I’ve got some ideas for your blog
    you might be interested in hearing. Either way, great blog and I look
    forward too seeing it develop over time.|
    Hi! I’ve been following your web site for a long time now and finally got the
    courage to go ahead and give you a shout out from Porter
    Tx! Just wanted to mention kdep up the good work!|
    Greetings from Ohio! I’m bored at work so I decided to browse your werbsite on my iphone dufing lunch break.
    I enjoy the info you provide here and can’t wait to take a look whdn I gget home.
    I’m shocked at how fast your blog loaded onn my mobile .. I’m not even using WIFI,just 3G ..
    Anyhow, verry good blog!|
    Its such ass you learn my thoughts! You appear to
    understajd so much approximately this, such as you wrote the e book iin it or
    something. I feel that you could do with some p.c.
    to pressure the messae house a bit, but other than that, that is magnificent blog.
    A fantastic read. I’ll certainly be back.|
    I visited multiple sites but the audio quality for audio songs current at this web site is
    truly superb.|
    Hello, i read your blog from time to time and i own a similar one and
    i wass just wondering if you get a lot of spam responses? If so how do you stop it,
    anny plugin or anything you can advise? I geet so much
    lately it’s driving me cray so any assistance is very much appreciated.|
    Greetings! Very useful advice in this particular article!
    It’s the litrtle changes which will make thhe most significant changes.
    Thankks ffor sharing!|
    I seriously love your blog.. Veryy nice colors & theme. Did you create this website
    yourself? Please reply back as I’m looking to create my own personal webvsite and would like to
    know where you got this from or just what the theme is called.

    Manny thanks!|
    Hi there! This blog post couldn’t be witten much better!

    Going through this post reminds me of my previous roommate!
    He continually kept preaching about this. I will forward this
    article to him. Fairly certain he’s goijng to have a very good read.

    Many thanks for sharing!|
    Wow! This blog looks just like my old one!
    It’s on a totally different subject but it has pretty mmuch thhe same page layout and design. Wonderful
    choice of colors!|
    There is certainly a lot to know about this topic. I really like alll the points you’ve made.|
    You made some decent points there. I looked on the net for additional
    information about the issue and found most people will go along with
    your views oon this site.|
    What’s up, I logg on to your blogs on a regular basis.
    Your writing style is witty, keep doing what you’re doing!|
    I just cluld not leave your website before suggesting tha I extremely
    enjoyed the usual info an individual supply on your guests?
    Is going to be again ceaselessly to check up on neww posts|
    I needed to thank you for this fantastic read!! I certainly loved every
    little bit of it. I have got you saved aas a favorite to look at new things you post…|
    Hi there, just wanted tto mention, I liked this article. It was helpful.

    Keep on posting!|
    Hi there, I enjoy reading through your article.
    I wanted to write a little comment to sypport you.|
    Iconstantly spent my half an hour to read this website’s articles every day along
    with a mug of coffee.|
    I for all time emailed this website post page
    to all myy associates, because if like too reqd it after
    that my links will too.|
    My devveloper is trying to convince me to moove to .net from PHP.
    I have always diisliked the idea becaause of the costs.
    But he’s tryiong nkne the less. I’ve been using WordPress on a variety of websites for about a year and am worried about switching
    to anoher platform. I have heard very good things abnout
    blogengine.net. Is there a way I can transfer all my
    wordpress content into it? Anny kind oof help would be really appreciated!|
    Hi! I could have swor I’ve been to this blog before but after going through many
    of the posts I realized it’s new to me. Nonetheless, I’m certainly
    delighged I found it and I’ll be bookmarking it and checking back frequently!|
    Great article! That is the kiond oof information that
    should bee shared across the internet. Shame on Google for now
    not positioning this publish upper! Come on ovver annd
    discuss with mmy web site . Thanks =)|
    Heya i’m for thhe first time here. I came across this board annd I
    find It really useful & it helped me out a lot. I hope to give something back and
    aid others like yyou helped me.|
    Howdy, I do think your site may be having browser compatibility issues.

    Whenever I take a look at your web site in Safari, it looks fine but when opening iin IE,
    it’s got some overlapping issues. I siply wanted to provide you with a quick heads up!
    Aside from that, great website!|
    A person necessarily lend a hznd to make
    severely articles I would state. That is the first time I frequented your web page and up to now?
    I surprised with the analysiss you mde to create this actual publish amazing.
    Wonderful activity!|
    Heya i am ffor thhe first time here. I came across this booard and I
    find It realpy useful & it helped me out much. I
    hope to give something again andd help othets such as you helped me.|
    Good day! I just want to offer you a big thumbs up for the
    excellent information you have right here on this post.
    I’ll be returning to your site for more soon.|
    I every time used to read piece of writing in news papers but now as
    I am a user oof net so from now I am using
    net for articles or reviews, thanks too web.|
    Your means of describing all in thus paragraph
    is in fact pleasant, aall be able to simply knpw it, Thanks a lot.|
    Hellko there, I found your webb site by way of Google even as
    searching for a similar subject, your site cake up, it appears great.
    I have bookmarked it in myy google bookmarks.
    Hi there, simply bcame alert to your weblog through Google, and
    found that it’s truly informative.I’m going to watch out for brussels.
    I will appreciate whsn you proceed this in future.

    Many people might be benefited out oof your writing. Cheers!|
    I am curious tto find out what blokg platform youu happen to be using?

    I’m having some small security problems wih my latest website
    and I would ljke to find something more safe. Do you have anny recommendations?|
    I’m really impressed ith your writing skills ass wel as with thhe layout on your blog.

    Is this a paid theme or did you modify it yourself?
    Either way keep up the nice quality writing, it is rare to see a
    great blog like his one these days.|
    I am extremely inspired along with your writing ahilities and also with the
    structure to your blog. Is that this a paid subvject
    matter or did you modify it yourself? Either way stay up the excellent high qality writing, it
    is uncommon to peer a great weblog lkke this one today..|
    Hi, Neat post. There’s an issue together with your web site
    in internet explorer, may test this? IE nonetheless is the
    marketplace chief annd a large component to other people will leave out yoour wonderful writing because of
    this problem.|
    I’m not sure where you are getting your information, but gkod topic.
    I needs to spend some time learning more or understanding more.
    Thanks forr great informjation I was looking for
    this info forr my mission.|
    Hello, i think that i saw you visited my site so i
    came to “return the favor”.I’m attempting
    to find things to enhance my website!I suppose its ok to use some of your \

  20. Numbers said:

    Maltese platters, that accompany any glass of wine within the popular wine-bars would include olives, capers, sheep cheeselets (‘gbejniet’), sun-dried tomatoes, Maltese
    sausage, broad bean pate often known as ‘bigilla’ and traditional Maltese crackers often known as

  21. Joma Jewellery UK said:

    Not like earlier days, when these Fine minimize
    Diamonds solely had an ordinary shape or size, the
    most recent ones have varied artistic designs.

  22. Joma Jewellery Stockists said:

    Final however not least, hypoallergenic earrings are inexpensive and
    out there in many stores. Many choices additionally could be discovered on-line.
    Made of nickel-free metals, they are the safest
    alternative for sensitive earlobes.

  23. Kiera said:

    She died aged 37 after a historical past of drug abuse, weight problems and 4 failed marriages.

  24. Ewan said:

    The Italian trade is lobbying the European Union to beat the
    problem of import duties however VicenzaORO officers have stated the top quality of Italian jewelry
    exports would be sure that they more and more penetrate
    quick-rising Asian markets, together with China.

  25. жизнь ютуб said:

    Hi there! Do you know if they make any plugins to protect against hackers?
    I’m kinda paranoid about losing everything I’ve worked hard on. Any tips?

  26. Trisha said:

    This implies you’ve got taken the time to think about the
    present and make it as personal as possible. Customized jewelery will also assist you convey the best message.

  27. Kandis said:

    Over 18’s solely. Credit score supplied, subject
    to credit and account standing by Shop Direct Finance Company Limited.
    Authorised and regulated by the Monetary Conduct Authority.

  28. Mckinley said:

    Centrepiece is a collective of jewellers who’re based in or round Birmingham and who’ve an annual promoting show at Christmas.

  29. Emmanuel said:

    Mischa Barton has set new trends in beachwear
    by carrying the Kenneth Jay Lane classic pink strawberry gold studded necklace in a bikini on the
    beach, and his fabulous disco ball rings and animal head bracelets have been pictured on celebrities resembling Hillary Duff, Britney Spears, and Jessica

  30. Gus said:

    It isn’t difficult to get solitaire engagement rings at inexpensive value charges.
    In these days, extensive varieties and kinds have conquered the hearts of people.

    Earlier than purchasing particular engagement rings, you have to ensure in regards to the authenticity and sturdiness of the

  31. Bennett said:

    The younger girls which have undergone this ordeal are then often called Bhansanai, as described earlier, and
    are regarded with extra respect within their neighborhood.

    The ear gauge discs and lip plugs should be worn at particular ceremonial occasions
    (weddings, serving meals and others).

  32. Maryellen said:

    The simplest and most controllable warmth source
    to work with is a butane torch, which is similar to the sort used in kitchens.

  33. Randy said:

    Add extra depth and meaning to custom items by incorporating gemstones and beads which can be associated with
    deeper meanings.

  34. Willian said:

    The Boudican Revolt occurred when native Britons staged an uprising towards the Roman occupation of their country.
    The rebellion was brutal, with archaeological proof showing that buildings in London, Colchester and
    St Albans were burned to the ground and that lots of the towns’
    inhabitants have been slaughtered.

  35. Ben said:

    A garda source stated the jewelry is believed be price arond
    €1 million, and described the arrests and recovery of the items as ‘good police work’.

  36. Chasity said:

    A neutral piece in a complimentary tone will anchor your ensemble and make you
    look more coordinated.

  37. Gabrielle said:

    Nigeria is Africa’s largest crude oil exporter and whereas nearly all of the country’s one hundred fifty million residents live beneath the poverty line, there are lots of who’ve a large share in billions of dollars from
    the continent’s biggest oil business.

  38. Joma Jewellery UK said:

    It’s positively value making the effort to do that as there´s nothing extra more likely to
    put a dampener on the night then the ring getting wedged on her finger.

  39. Jared said:

    So maintain your mind open to variations resembling sapphire and
    diamond or ruby and diamond rings.

  40. Patti said:

    Just the oomph I needed to get again out there making
    beads, a bit of motivation at all times helps whenever you aren’t feeling a

  41. Maybelle said:

    They are additionally the shagun of married girls of our country.
    They permit the regularization of the menstruation cycle.

  42. Luis said:

    Manner earlier than the invention of treasured metals like gold, silver, copper or bronze
    etc. girls knew how one can adorn themselves.

  43. Fredric said:

    If you find yourself laying aside sporting a bracelet since you wear a watch,
    purchase a bracelet that matches your watch in style and color, and
    put on it in your other wrist.

  44. Shonda said:

    Both manner, your website is the ultimate advertising instrument.
    It’s necessary that you make it simple to make use of and appealing
    to your customers.

  45. Mary said:

    The design is sketched out by the designers after which is refined
    into a pattern for without the design being formally sketched out
    but in very simple items of handcraft jewelry. Based on pattern, work begins to
    craft the jewelry. With the expection of wire wrapping and a
    few hammered pieces, a mold is often created.

  46. Mildred said:

    Yildirim, whose company uses melted-down scrap from its retail clients to make new pieces,
    mentioned scrap gross sales are likely to rise when the gold price is steady.

  47. joma jewellery unicorn said:

    Modern technologies have introduced new techniques of manufacturing, which implies that the items
    we’ve got nowadays are very beautiful and engaging, but at the
    same time built with superior quality and with no errors.
    As mention above, materials like beads, stone, pearls, crystal and even feathers or plastic are used in the creation of right now’s bracelets, earrings, necklaces, rings and comparable objects.
    They’re designed in varied styles and costume jewelry on-line outlets offer
    a variety of merchandise, with an equally big selection of types and
    colours. Also, in relation to costume jewellery on-line gross sales, and
    important aspect is the truth that buying and selling on those websites is secure
    and that fast delivery is predicted.

  48. joma jewellery karma said:

    Generally a specific width can be required if a big diamond is set within the ring, with a
    view to accommodate the width and depth of the diamond within the

  49. Philomena said:

    The 32-12 months-outdated’s new necklace is a present
    from her sister Pippa, which sells for £89 from an internet boutique.

  50. Mireya said:

    Add on three small pearl units, then move the needle via the existing small pearl unit on the previous circle,
    after which pull thread up. You’ll now have three adjoining circles.

  51. Terrence said:

    Jewelry has been used to denote status. In ancient Rome,
    solely certain ranks could put on rings;
    13 later, sumptuary laws dictated who may put on what type of jewelry.

    This was also primarily based on rank of the residents of that
    point. Cultural dictates have additionally played a significant position. For
    example, the wearing of earrings by Western males was thought of effeminate within the nineteenth century and
    early 20th century.

  52. Kam said:

    Massimo Duttii appeals to good however casual, traditional,
    preppy, successful thirty somethings.

  53. rv storage oceanside said:

    In the main celebration of the morning, Zac Savage (aka Zac Shepard) of the Dark
    Household Workforce Nogueira Gym, Miramar Road, San Diego, Colorado produced swift function of Adam Gould of Five Star MMA in Santee, California
    by receiving his adversary to Tapout after genuinely catching Gould in the unusual Flying Triangle.

  54. storage oceanside ca said:

    I selected this location not simply for my love of
    the beach, the sweetness or my strong addition but I’ve also selected this place to
    save the tiny, family beach bungalow in Oceanside from being

  55. Brianne said:

    It’s a fascinating piece of social historical
    past to examine the jewelry that became recognized with the suffragettes.

  56. s-mkorea.com said:

    Her fabulous collections are made utilizing techniques reminiscent of
    laser engraving and casting which are inspired by the business she grew up round in each Darlington and Sheffield.

  57. Daniela said:

    The temperature of the candle molds you might be using can be vital.
    Most molds needs to be pre-heated with a purpose to get rid of any moisture.

  58. Miriam said:

    In case you are solely planning to do 2-three outdoor reveals in a summer
    time then an inexpensive one is completely superb but for those who’re planning to do
    a present practically every weekend it’s best to actually put money into a good quality
    cover that is extra reliable and may be taken down and put up shortly.

  59. Fredric said:

    Past results have included a pure pearl brooch at £36,000
    and a two stone diamond pendant at £120,000.

  60. Demi said:

    Charlton’s infidelity price him nearly 300,000 kilos
    it emerged final month, when his daughter
    auctioned off the late couple’s jewelry assortment.

  61. Ivy said:

    From about 1864, Riffault executed enamels in this manner for
    Boucheron, who exhibited them on the International Exhibition in 1867 and

  62. Sofia said:

    The historical past of jewelry is long and goes back
    many years, with many alternative uses amongst totally different cultures.

  63. Jeffry said:

    If you’re attempting to buy a diamond on a price range,
    search for one that has slight inclusions and is a not quite perfect coloration of white.

  64. moneymattersbvi.org said:

    There’s nothing fairly like a classic jewelry field for maintaining your collection of jewels in order and
    secure. This endlessly elegant pearl white jewellery organizer matches the bill nicely.
    With its effectively crafted wooden building, the field features sliver tone keyed entry and
    greets you with a nicely-sized mirror behind the lid and an computerized tray that’s good for keeping rings and
    earrings plus the additional storage of eight divided compartments on both side.
    Beneath, you’ll discover a big open area that’s nicely-fitted to
    bracelets and different larger gadgets, plus two generous drawers for necklaces.

  65. Genie said:

    It should be lunch time and simply previous the Centraal Station is a free ferry to Amsterdam
    Noord (North).

  66. Chiquita said:

    E-6000 waterproof glue dries clear and versatile, and when it cures absolutely it’s incredibly strong.
    It’s wonderful for metallic-to-steel attachments, corresponding to
    collage jewelry. Simply remember to clean and degrease each surfaces to be hooked up and tough them up a bit with
    a rough file or by scoring a tight cross-hatched grid of
    traces into the steel on just the attachment areas of each pieces to be joined.

  67. Reggie said:

    He reproduced portraits in basse, taille enamel to great effect.
    In 1880, Germain Bapst, descendant of the famous Crown Jewelers, approached Falize and provided him a partnership between the two firms.
    Lucien agreed, and the brand new agency Bapst et Falize was opened at 6 Rue d’Antin that same year.
    In 1889, they exhibited collectively at the Exposition Universelle.

  68. Darren said:

    Her DIY décor initiatives are published weekly in the Wednesday version of the
    Montreal Gazette within the Artwork & Life part. Her work is also featured in Canadian magazines.

  69. Joie said:

    This assortment is a direct representation of the brands pillars – genuine Indian artistry, fashionable design, excessive
    versatility and impeccable quality. It’s an emotionally charged assortment where every piece
    has its personal soul.

  70. Stefanie said:

    At all times use a pair of crimping pliers designed to be used with that diameter crimp tubes.

  71. Xavier said:

    And in a very affordable prices , but we understand how You’re keen on this little piece so much and
    what a pity to see it not in good situation to wear

  72. Warner said:

    The principle event of the week was the retirement
    from the School of Jewellery of our Head, Gaynor Andrews.

  73. Darrel said:

    Some people like to attach necklaces to the barrel
    utilizing a crimp bead and a crimping device, however I
    really discover that complicated. I simply knot the beading wire to the clasp, which is
    safe and simple. For making bracelets with stretch magic I simply use the beading technique I
    used to be talking about, which is the easiest manner I can consider.
    I have written another hubs on jewellery making, and you might be
    welcome to test these out.

  74. chengpin.ying-wen.com said:

    Even here celebrities do issues to attract consideration to themselves,
    however it’s sad we aren’t spending more time concentrating on good
    roles and good appearing. I’m extra excited by hearing about motion pictures reminiscent of
    The Kite Runner, which was based mostly on the great e-book by Khaled
    Hosseini as opposed to what sort of espresso Paris Hilton likes to drink.

  75. Angelica said:

    Most Pacific jewellery is worn above the waist, with headdresses, necklaces, hair pins, and arm
    and waist belts being the most typical pieces.

  76. Lashawn said:

    Vivienne also designs clothing, socks, scarves, and cufflinks,
    all designed with options that add a touch of enjoyable
    and irony to any outfit.

  77. Sadie said:

    I might attempt to buy tickets in the field usually reserved for the royal family on the heart- again of the middle of the first balcony.

  78. Makayla said:

    Helen’s paintings draws inspiration from the figurative and its
    notion within altering environments.

  79. Nicolas said:

    If you need your jewelry to go together with any outfit you
    are wearing, make sure that you are purchasing impartial-colored jewellery.
    Believe it or not, gold does not go along with every little thing,
    and the glint of diamonds may very well clash towards some ensembles.

  80. Joma Jewellery a little said:

    It was later mentioned the ring was too large for her, but
    there was no time to change it earlier than the engagement, so one will discover Diana often the held the ring to maintain it in place on the day of the announcement.

  81. Cheryle said:

    Steeped in trendy charm, this lovely necklace from Larkspur & Hawke channels the proper fusion of classic and up to

  82. storage oceanside ca said:

    Find out about the training program offered by Oceanside Faculty of Attractiveness if you should
    be prepared to express your imagination everyday, help people appear and feel their finest, and get working out you need-to start a new career inside
    the fascinating beauty marketplace!

  83. Willy said:

    Showstopper For Gitanjali Gems: Neha Dhupia Bollywood actress, Neha Dhupia was
    the showstopper for Gitanjali Gems.

  84. sungsin.ivyro.net said:

    D’damas is about luxurious and aspirations, bestowing upon the wearer a special standing.
    D’damas vast variety of sub-manufacturers permits each buyer
    a choice of jewelry to replicate their character, tastes and to go well with every event.

    Exclusively from D’damas!

  85. Joma Jewellery Stockists said:

    A fast Web search on Islamic Jewellery will deliver up many contemporary products that continue the Seljuk
    technique of crafting jewelry albeit with a touch of recent design.

  86. Alejandro said:

    Jewellery. Jewelry has a terrific deal more which means for most women than other
    gifts. If you happen to give the best one, she’ll see it as a sign that you are the right guy for her.

  87. Verlene said:

    I usually have to make use of a self timer as a result of obviously I would like each my hands to carry or show the approach I am

  88. oceanside storage unit said:

    Tennant is likely to be increasing against
    23-year-aged Jesus Lopez (2-0-0) of Tanos Boxing in Oceanside, CA.
    The two unanimous selection victories of Lopez got the way.

  89. Iona said:

    That has also made officers reluctant to be seen to be buying expensive jewelry.

  90. Dieter said:

    This follows a seven % drop in Chinese buying in 2015 fed into
    a 4 p.c decline in international demand for jewellery constituted of the metallic.

  91. s-mkorea.com said:

    Nominee, presenter and Piaget model ambassador, Ryan Reynolds, wore the Piaget
    Altiplano 38mm watch in 18k rose gold on a black alligator strap.

  92. Latashia said:

    By then, Knox’s value to Liberty’s had been clearly established, a lot in order that he now not wanted the Silver Studio to behave as his agent.

  93. Pedro said:

    Companies would donate a portion of their sale
    proceeds to assist fight starvation.

  94. France said:

    In a number of hours your jewelry will change colours and then you’ll
    be able to polish it to a beautiful antiqued look.

  95. Columbus said:

    Throughout the Center Ages, earrings grew to become much less most well-liked and functional as a result of using refined hairstyles and headdresses.

  96. Joma Jewellery Bracelets said:

    Hanging or stud earrings, varied designs of necklace pieces, metallic or perhaps stone bangles, western and even indian necklace,
    rings, anklets, armlets have turn out to be probably the most extremely scorching items in artificial jewelry factor as per the flavour of the patrons.
    One other well-liked and classy services or products
    that’s common right now is certainly the indian kundan jewellery
    for the interpersonal and typical Indian glimpse and attractiveness notably concerning bridal or wedding events when gorgeous objects are
    in massive demands. Stomach chains and in addition tiaras or crowns are also widespread gadgets of bracelets amongst virtually all younger folks.

    The truth is it’s well-liked between the older individuals additionally.
    Wholesale manner jewellery is provided in many various plans.

  97. Joma Jewellery Necklaces said:

    Jewelry or designer watches would possibly make a
    great gift as a wedding or anniversary present for a spouse.
    As long as you’re taking your time to discover a thoughtful gift, the recipient ought to take pleasure in it.

  98. Ivan said:

    In Mayan culture, jade plugs or flesh tunnels have been an indication of wealth and
    standing, though people also used shells, stone, bone and wood.
    The Aztecs tended to make use of metals to which they had easy accessibility, similar to gold, silver and copper, although additionally they used the identical supplies as
    the Mayans who lived in an earlier era. A few of the most stunning Aztec metallic
    craftsmanship can be seen to at the present time in the form of fabulous ear spools or
    plugs supposed for use with gauged ears.

  99. Robbin said:

    Swami-ornamented silver was highly acclaimed at a 1875 exhibition for the Prince of
    Wales, who was offered with a Swami-model tea service—maybe very like this one—and other equally embellished items.

  100. Roseanne said:

    The stones utilized in Costume Jewellery embrace; crystals, colourful stone and shining gems studded
    on the base. Other types of beads utilized in jewelry embody; picket beads,
    metal beads, glass beads, bone beads, plastic beads, ivory beads and crystal