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Tag: BoI

  • BoI canvasses more women enterprise financing

    BoI canvasses more women enterprise financing

    here is a need to increase funding  to women-owned enterprises, Bank of Industry (BoI) has said.

    Its Group Head, Gender Business Department, Adebisi Ajayi, said fund disbursement to firms owned by women constituted three per cent of its lendings.

    Ajayi, who spoke at a BoI’s event to honour women, said only 49 per cent of women entrepreneurs accessed finance from banks, adding that the N13 billion earmarked for women enterprises should be reviewed upward.

    According to her, women have migrated from seeking micro credit business support to focusing on large-scale enterprises with huge capital requirement.

    Ajayi urged banks to support BoI in financing the real sector, and not just traders, to facilitate job creation and develop the economy.

    She said the department had increased its capital base from N90 million to N160 million, ensure increase in its risk asset to women and maintain a single digit interest rate.

    “In 2007, gender financing commenced with N90 million. It generated 51 businesses in seven sectors and created 600 jobs. Cumulatively, that seed money is now about N160 million. These were to micro credit businesses. The BoI realised we cannot stay with micro credits because there are women who have the capacity to do big business. In 2015, a gender enhancement   desk was set up to focus on only women big businesses. This has led to the bank’s risk assets increase in women. The N13billion supported 232 women business.”

    BoI Acting Managing Director Waheed Olagunju, represented by the Executive Director, Micro Enterprises, Toyin Adeniji, urged women to be brace for change by achieving business strides and setting the pace with new ideas.

    “We want it to be a day to encourage other women to start as Micro, Small and Medium Enterprises (MSMEs) entrepreneurs to access bigger loans. One thing that is clear is that, women have to be bold, have a dream and know where they are going. We are here to let them know they can grow as there is access to finance, market, training, growth and opportunities. Women have to be bold and lean forward for change.”

    The bank’s Divisional Head, Large Enterprises, Mr Joseph Babatunde, harped on the need for increased women participation in businesses, saying the bank was committed to easing their access to finance.

    “There is a need for women to come out with all the creativity that is in them not only to add value to  the family, but also to the nation. That’s why the bank has a gender department where women can bring their applications. There are about four women in the department who advise women entrepreneurs, monitor and go out to support them. We have given a lot of loans to women related entrepreneurs. Unlike, we can give loans of N5million upwards without necessarily having collateral; just two guarantors so that you can at least start small and become big.”

    Making a case for financing the healthcare sector, Chief Executive Officer, Pathcare Laboratories, Pamela Ajayi, urged BoI to channel funds to boost the sector, noting that it is a viable investment sector.

    “The healthcare sector in Nigeria really requires a lot of funding as there is a huge need for infrastructural development. The finance industry needs to recognise the health sector and give it priority. Intervention fund and all that is necessary should be put in place. In terms of investment, healthcare is a vibrant area that can rake in returns. It’s just about recognition,” she said.

  • BoI, Diamond Bank partner on N140b loan to cooperatives, farmers

    The Bank of Industry (BoI) says it has partnered Diamond Bank to provide soft loans worth N140 billion to traders, artisans, cooperatives, youth and farmers.

    Its Acting Managing Director, Mr Waheed Olagunju, stated this in Lagos during the launch of the Government Enterprise and Empowerment Programme (GEEP).

    He said the Federal Government introduced the scheme because of its passion for sustainable business growth and micro-entrepreneurs empowerment.

    He explained that under deal, BoI would disburse  the cash to micro-entrepreneurs

    According to him, GEEP is one of the social intervention programmes of the Federal Government being executed by the bank.

    He said the government was seeking to promote financial inclusion and access to credit for 1.6 million market traders, artisans, cooperatives, youths and farmers through GEEP’s MarketMoni product, known as a microcredit loan, easy to access between N10,000 and N100,000 and repayable in six months.

    He explained that the idea was to make the loan easily accessible and affordable to the beneficiaries provided the beneficiary has a Bank Verification Number (BVN) and belonged to a market association.

    He further explained that the loan is affordable and without interest rate, except for administrative fee, which is five per cent flat.

    “That means, if you take N20, 000 loan you will repay N21, 000 at the end of six months. The beauty is that it is a weekly repayment, so it is easy for the beneficiary,” he said.

    Represented byBol’s Executive Director, Financial Inclusion and Micro Enterprise,   Mrs Toyin Adeniji, the lender’s CEO said the partnership was to enhance the participation of the informal sector in the banking sector.

    Chief Executive Officer, Diamond Bank, Mr. Uzoma Dozie, said the synergy would translate to gender empowerment, job creation, business growth and promote government’s cashless policy system.

    “We are not just providing finance but using ICT to formalise the vibrant and informal sector of the economy,” Dozie added.

  • BoI trains youths on tomato processing

    BoI trains youths on tomato processing

    In its determination to boost small and medium scale enterprises in the country, the Bank of Industry has organised workshop on tomato processing and packaging for Nigerian youths in Lagos and Kano.

    While declaring the workshop open in Lagos, the acting managing director of Bank of Industry, BoI, Waheed Olagunju said, in pursuit of the mandate of transforming industrial sector in Nigeria, the bank of industry has identified over 40 small and medium scale clusters that include food processing for strategic intervention.

    Olagunju who spoke through one the directors of the bank, Akinsola Adetokunbo stressed that, in the course of exploring the best strategy for BoI in tomato sector, the bank and its development partner identified a production method and sustainable equipment for the scale up of tomato processing by micro and small medium enterprises across the country.

    Olagunju observed that out of yearly 1.8 million tons of fresh tomato produce in Nigeria, over fifty percent of them are lost to poor storage, poor transportation and lack of processing facilities.

    He also noted that Nigeria tomato paste market that is now estimated $1.5billion by raw materials requirement council solely rely on importation, and therefore underscores the need for Nigeria to develop strategies of development tomato value chain, especially for the manufacturing of tomato juice, paste, cature, Perry and powder.

    The bank chief emphasised that at the end of the two-day training, participants that are certified to acquire tomato processing skills and subsequently, into entrepreneurship capacity training programme in the bank, will be funded in form of loans at a single digit, to cover the cost of equipment and work capital requirement of the proposed project.

    “In line with Nigeria revolution plan, one of the ten new crops identified by BoI for priority development under food processing cluster is tomato.

    “And because tomato contains a lot of liquid, they are highly perishable and therefore requires preservation in cold condition storage medium or processing into paste,” he said.

    Also speaking on the rationale behind the workshop, the facilitator and chief executive Beta Mark Production Company Limited, Duro Kuteyi said the manner at which tomato are being imported into Nigeria and the wastages sustained by tomato farmers in the country are enough reasons to be compassionate and develop strategies to process it to replace the foreign tomato paste imported into Nigerian market.

     

    …Partners Diamond Bank on micro loans to petty traders, farmers

    BoI has partnered Diamond Bank in providing soft loan to traders, artisans, cooperatives, youth and farmers across the country.

    The Acting Managing Director, BoI, Mr Waheed Olagunju, disclosed this at the launching of the programme in Lagos.

    Olagunju said the federal government introduced the scheme because of its passion for sustainable business growth and empowerment of micro-entrepreneurs. He explained that the scheme, tagged: Government Enterprise and Empowerment Programme (GEEP), the partnership would disburse N140 billion to micro-entrepreneurs.

    According to him, GEEP is one of the social intervention programmes of the federal government executed by the bank of Industry.

    He said that government seeks to promote financial inclusion and access to credit for 1.6 million market traders, artisans, cooperatives, youth and farmers through GEEP’s MarketMoni product, which is known as is a microcredit loan, easy to access between N10,000 to N100,000 and repayable in six months.

    He explained that the idea is to make the loan easily accessible and affordable to the beneficiaries provided the beneficiary has a Bank Verification Number (BVN) and belong to a market association. He further explained that the loan is affordable and without interest rate, except for administrative fee, which is five per cent flat.

    “That means, if you take N20, 000 loan you will repay N21, 000 at the end of six months. The beauty is that it is a weekly repayment so it is easy for the beneficiary,” he said.

    The BoI boss represented by Mrs. Toyin Adeniji, Executive Director, Financial Inclusion and Micro Enterprise, BoI, said the partnership was to enhance the participation of the informal sector in the banking sector.

  • BoI, FBN, others float youth entrepreneurship project

    BoI, FBN, others float youth entrepreneurship project

    The Bank of Industry (BoI) has partnered First Bank of Nigeria Plc and After School Graduate Development Centre (AGDC) to institute a youth entrepreneurial project to provide single digit loans to qualified young entrepreneurs in Nigeria.
    The initiative tagged: ‘Youth Ignite’ is designed to provide the needed capacity and necessary resources for young people across the country aged between 18 – 35years who are talented, creative and dedicated with existing businesses or ideas that they believe in and are committed to bringing to life.
    Entrepreneurs upon meeting the required criteria and judges review would have access to a “loan” value as required by their businesses capped at N200,000.00 to start or grow their businesses. Successful businesses that are able to prove their concept (through the amount of jobs created, revenue generated, etc.) are then able to access the “scale up loan” up to the tune of N500,000.00 and when they grow can get up to N5million.
    Speaking at the launch, the acting Managing Director, BoI, Mr. Waheed Olagunju, explained that the collaboration would propel the selected youths to greater accomplishments and empower them to become employers of labour.
    He pointed out that Nigerian youths are imaginative and highly talented, maintaining that the Development Finance Institution (DFI) would continue to support, build capacity and train youths while also making available single digit and highly concessional financing? to support youths in Nigeria.
    “We have two bottom lines mainly which include financial viability and developmental impact and among developmental impact are job creation, import substitution and export generation which means we finance projects that can earn foreign exchange for Nigeria.
    “We are coming together to help the Nigerian youth leveraging our experience; we have been in this environment for more than 58 years, First Bank 123 years and AGDC almost a decade old,” Olagunju said.
    In her remarks, the Founder of AGDC and Chairman of the Board of FBN, Mrs. Ibukun Awosika, noted that the initiative was providing the kind of environment young entrepreneurs needed to thrive, an advantage which the older generation did not have.
    She stressed that having been in private business for over two decades she is in a good position to advise the youth on the need to aspire to be entrepreneurs.
    The Executive Director, AGDC, Mrs. Funmi Adeyemi, said Nigeria has a rich human capital resource that can used as an advantage to drive economic growth, but stressed that a lot of youths have great ideas but no resources to drive their dreams and aspirations.
    According to her, microenterprises will be provided training, single-digit interest loans and ongoing support during the course of five years.

  • Beneficiaries praise BoI’s entrepreneurship scheme

    Beneficiaries praise BoI’s entrepreneurship scheme

    With the commencement of the second phase of the N10 billion Youth Entrepreneurship Support (YES) initiated by the Bank of Industry (BoI), beneficiaries have lauded the bank for assisting them to realise their entrepreneurial dream.

    YES aims to tackle youth unemployment in Nigeria by developing their capacity and funding their business ideasstart-ups – at concessionary interest rates.

    The scheme was launched by the Minister of Trade, Industry and Investment, Dr. Okechukwu Enelama, last year.

    He said the programme was designed to equip young people with skills and knowledge to be self-employed by starting and managing their own businesses.

    He noted that about 1.8 million young Nigerians enter the saturated labour market annually, adding that the new scheme is expected to create about 6,000 direct jobs and 30,000 indirect ones yearly.

    Some of the beneficiaries of the ,while sharing their experiences recently in Lagos, noted that the initiative has helped in addressing the rising unemployment concerns among youths.

  • Cheers as BOI promises to increase N1b fashion fund

    Cheers as BOI promises to increase N1b fashion fund

    Acting Managing Director, Bank of Industry, Mr. Waheed Olagunju has said the bank is willing to increase funding to the cotton, textile and apparel industry from the existing N1 billion fashion fund.
    Olagunju disclosed this in Abuja, on Friday, during a masterclass session organised by the BOI to enhance capacity of entrepreneurs in the fashion industry.
    He noted that the effort was part of moves to diversify the economy and promote self-reliance rather than continuous importation of textiles.
    The news was received with loud applause by fashion industry experts as well as burgeoning designers who attended the event at which American fashion brand and marketing expert, Mercedes Gonzalez, was invited as Guest Speaker.
    “This training is designed to sharpen their skills to make them competitive and produce high quality apparels in the international market. One of the parameters of measuring countries is if they are self-reliant,” said Olagunju.
    According to the BoI boss, “Clothing is one of the basic needs of man. We have been importing clothes for the past 40 years before the oil boom. So what we are doing is to ensure increasingly, we wear what we produce; that’s by way of import substitution,” he said.
    In terms of exports, Olagunju advocated need for the textile industries to penetrate international markets, stressing the huge diaspora population market interested in the Nigerian fabrics.
    Olagunju added that non-Nigerians crave for these fabrics but local entrepreneurs were unable to meet the market demand.
    He cited an instance of U.S. firm which promoted $100 billion apparel opportunity in 2015; African countries exported textiles worth $1 billion, Bangladesh exported $5 billion worth of apparels but Nigeria could not make any impact.
    To avoid a repeat, he said, “Mercedes is here to sharpen the skills of Nigerian entrepreneurs and help connect them to international markets to sell local fabrics more internationally particularly in the U.S.
    “Our entrepreneurs are under-marketing themselves. Most of their products can be exhibited internationally. They are of export quality and very cheap. So once you undergo this kind of training, you are de-risked. We have N1 billion fashion fund which we are willing to increase as demand also increases.”
    Gonzalez who is Managing Director, Global Purchasing, urged Nigerian fashion artists to target the international market.
    She told the participants to determine if they want to be rich or famous in the textile and fashion industry.
    She advised them to change their perception of believing they know it all and seek inputs of other experts.
    Describing it as major problem with designers, Gonzalez noted that some spend so much money on fashion shows, promotions, photoshoot including celebrity placements which make less impact.
    She said: “In the U.S., consumers are moving away from mass production of cloth lines. People want something that is crafted, well made and limited in production. Some of you don’t value your product, probably because of your environment.
    “Understanding the value is what the industry has to appreciate. A lot of designers are big fish in a little pond but they need to start ýthinking about the bigger picture.
    “You cannot sit there and do everything yourself. Fashion is a business to make moneyý. We have to think really humble to get the big picture. You can’t dye the fabric yourself, sell it, make your website and so on. You need to be professional.”
    ýOther dignitaries present at the event include Minister of State for Trade and Investment, Aisha Ibrahim, members of Fashion Designers Association of Nigeria (FADAN), and notable designers among others.

  • BoI promotes made-in-Nigeria goods

    AS part of its effort to boost the creative economy, Nigeria’s developmental bank, Bank of Industry (BoI) has organised a two-day masterclass for fashion designers in Lagos and Abuja on February 8 and February 10 respectively.

    At the Lagos segment of the event which held at the Oriental Hotel, Lekki, on Wednesday February 8, top fashion designers who attended the session were excited to interact with Mercedes Gonzalez, the famous international fashion strategy and brand development expert who was brought in by the bank to help sharpen the skills of Nigerian entrepreneurs operating in the various segments of the fashion value chain.

    The initiative is also a testimony of the company’s listening ears, going by demand from the Fashion Designers Association of Nigeria (FADAN), urging the management of the bank to provide training, build capacity and guidance for budding entrepreneurs in the sector.

    President of FADAN, Mrs. Funmi Ajila-Ladipo, had made the request during the launch of a special fund for the fashion industry recently, as part of the bank’s support for Small and Medium Enterprises (SMEs).

    Organised in partnership with Ministry of Industry, Trade and Investments, the intervention in the fledgling fashion industry is seen as remedy for the current economic recession.

    The session began with an all-inclusive exhibition of made-in-Nigeria goods, showcasing the ingenuity of Nigerians in making dresses, beads, hats, shoes and other gorgeous fashion items.

    It was exciting to several fashion enthusiasts that the session conducted by the world’s renowned Mercedes Gonzalez, from America, was free of charge.

    Speaking at the event, Acting Managing Director, Mr. Waheed Olagunju, said the project, “is to ensure that we sharpen the skills of our entrepreneurs in the textile and apparels company value chain such that they can be able to export and access international market especially the US market, while also taking advantage of our huge population.”

    Olagunju said there are a lot of people who like clothes that are made in Nigeria but are unable to meet their demand because of certain limitations.

    “So we want them to realise their potentials by bringing such an international strategist and expert and as we can see they are following the presentation and enjoying it and as a financial institution, when they pass through processes like this, they becoming substantially briefed such that when we lend to them, chances of payment are higher. And it only when we lend to them that they pay us with interest which is when my salary is paid because our customers pay our salaries. That is why they say customer is king. So it’s good to help our customers to help ourselves,” Olagunju said.

    Some of the fashion houses that showcased their wares at the event include Godwin Green couture, Bimbeads, Potter’s Signature, Little Weavers, Bolsy Aso-Oke, Grace Hats, House of Marie, Femi Handbags, Ade Bakare couture and Kijipa Africa.

    Some of the established names at the event were Lanre Da Silva, Frank Osodi, Mai Atafo, Funmi Ladipo, Nike Ogunlesi, Modela and Kiki Okewale among others.

  • Beneficiaries praise BoI’s YES scheme

    Beneficiaries praise BoI’s YES scheme

    With the commencement of the second phase of the N10 billion Youth Entrepreneurship Support (YES) scheme, beneficiaries  have praised the Bank of Industry (BoI) for assisting them in realising their entrepreneurial dream.

    YES was initiated by the Bank of Industry (BoI) to tackle youth unemployment  by developing their capacity and funding their business ideas.

    The scheme, aimed at developing the entrepreneurial capacity of youths and providing start-up loans at concessionary interest rates, was launched by the Minister of Trade, Industry and Investment, Dr. Okechukwu Enelamah, last March.

    According to the Minister, the programme was designed to equip young people with the skills and knowledge to be self-employed. He noted that about 1.8 million young Nigerians enter the saturated labour market yearly, adding that the new scheme was expected to create a minimum of 6,000 direct and 30,000 indirect jobs yearly.

    Some of the beneficiaries noted that the initiative has helped in addressing the rising unemployment concerns among youths.

    One of them, from Lagos, Florence Bankole, said: ‘The YES application process was transparent; all you needed to do was provide details about your business and how you intend to use the finance if accessed.

    “Upon enrolling for the online courses, one of the key learning points for me was managing my time effectively and efficiently by prioritising aright with the aid of several time management tools. I am glad I made it this far.”

    For Sani Mohammed, an indigene of Kaduna State: ‘The online course has been a great opportunity for young entrepreneurs like me to gain more business knowledge. The lessons I learnt from this programme cannot be quantified. That missing link in my knowledge to become successful is what the programme is gradually filling in and preparing me for what is yet to come.’

    Similarly, Abdul Bala Ishaq from Niger State said: “I had just started my agro-allied business when I heard about the YES programme on television. I least believed that a programme such as this will be as transparent as it has been.

    “The online training has been enriching and full of exploration of new ideas, skills and knowledge that, prior to now, I wouldn’t have known. Lessons derived so far from the courses have been very helpful in the day-to-day running of my farm.”

    BoI’s Acting Managing Director Waheed Olagunju said unlike conventional loan requirements, the YES initiative has liberal collateral requirements, including NYSC certificates, approved guarantors and others.

    According to him, collateral requirements for the loan include: debenture over the assets of the company or specific charge over the equipment (present and future); deposit of original NYSC certificate and higher educational certificate (Ordinary National Diploma, Higher National Diploma or University Degree) with BOI, subject to the certificate being certified by Background Check International (BCI).

    Beneficiaries are also required to provide two external guarantors acceptable to BoI.

  • BoI offers Aba manufacturers loan tips

    BoI offers Aba manufacturers loan tips

    The Bank of Industry (BoI) has offered tips to Aba-based manufacturers on ways to secure its facilities to expand their businesses.

    BoI’s Acting Managing Director Mr. Waheed Olagunju coordinated  the National Micro, Small and Medium Enterprise clinics for viable enterprises, organised by the Federal Government in collaboration with the Abia State Government.

    Vice President Yemi Osinbajo opened the event, which had various Federal Government agencies involved in economic development interacting with Aba traders with the aim of growing and supporting their businesses.

    Olagunju noted that to easily access a loan, a business owner must imbibe some cardinal virtues, such as character, capacity, and commitment. He added that skills, requisite knowledge, and responsibility are needed to ensure that the person is committed to the business.

    Identifying collateral as a major constraint to accessing loans by most businessmen, Olagunju noted that the government had taken steps to make businesses viable by providing relevant tips to break the barriers of difficulties faced by some in accessing loans.

    “The first aim starts with marketing, how do manufacturers market their businesses? Hence the government has been coming up with procurement policies that are in favour of Small and Medium Enterprises (SMEs),” he said.

    Noting that this had been done in other parts of the world, the BoI chief said: “We are evolving the same thing in Nigeria so that the government patronise MSMSEs so that what happened in the past do not happen again.”

    Olagunju, however, said there was the need for Nigerians to change their taste for foreign goods and consume what they produce rather than consuming what they do not produce. He said now that Nigeria has foreign exchange crunch, the country is being forced to leave  foreign goods the more.

    Abia State Governor Dr. Okezie Ikpeazu expressed happiness that the Federal Government has finally recognised Aba as the hub of manufacturing not only in Nigeria but also in sub-Saharan Africa.

    He enjoined Abia indigenes to freely interact with various government agencies at the two-day event, noting that it was held to make their doing business in the state easy.

    On his part, Nigerian Association of Small Scale Industrialists (NASSI) Director-General, Imo Anasonye, described the event as a welcome development, adding that it was a good start for the government’s diversification programme from the non-oil sector.

    “What is happening here is a good thing in the sense that Nigeria wants to rebrand economically, diversifying from oil to the real sector, which is the productive sector.

    “That the maiden edition of the MSMSE Clinic is happening in Aba is not by accident because Aba has been the cradle and home of craftsmanship in Africa. There is no product that can be made locally that is not made here”, Anasonye added.

  • Why we launched N1b MSMEs’ solar energy fund, by BoI

    Why we launched N1b MSMEs’ solar energy fund, by BoI

    The Bank of Industry (BoI)  launched the N1billion solar energy fund for the Micro, Small and Medium Enterprises (MSMEs) because of the power challenge in the sector, its Acting Managing Director, Mr. Waheed Olagunju, has said.

    Speaking at the launch in Lagos, Olagunju said solar energy had become alternative for the MSME operators in view of the poor supply in the country.

    The cost of electricity accounts for about 40 per cent of operational expenses for most MSMEs, resulting in reduced profit margins and unsustainable ventures.

    Olagunju said: “Many Nigerians and Nigerian businesses that can afford other alternative energy sources have resorted to the use of electric generators at exorbitant costs. It was estimated that in 2015, manufacturers spent as much as N3.5trillion to generate alternative power due to the challenges in the supply of public electricity.

    “MSMEs play a major role as the engine through which most countries in the world thrive. Their growth and development are crucial to the level of industrialisation, modernisation, income per capita, equitable distribution of income, welfare and quality of life enjoyed by the citizenry.

    “Consequently, the performance of the MSME sub-sector is closely associated with the development of a nation. In Nigeria, the growth of this sector has been hampered over the years by a combination of factors, one of which is access to reliable electricity.

    “For Nigeria to, therefore, achieve sustainable and inclusive development, there is an urgent need to substantially increase the supply of modern and affordable energy services from sources that are affordable, accessible and environmentally friendly,” he added.

    Olagunju said renewable energy provides healthy and sustainable alternative to the continuous use of fossil fuels, with long-term cost saving advantages, especially in the absence of reliable power supply which is an essential ingredient for growth.

    “It is, therefore, important to support the provision of sustainable and reliable energy for MSMEs, which is why the Bank of Industry has decided to provide the solar energy fund to MSMEs.

    “The bank is already playing an active role in lighting up and powering Nigeria through the provision of solar energy solutions for rural communities, having successfully deployed solar solutions worth N240million to six off-grid communities, one each in Niger, Osun, Gombe, Anambra, Edo and Kaduna states, under its pilot scheme. These communities with an average of 200 homes each previously had no access to electricity, but since the provision of clean, reliable and sustainable solar electricity, the lives of the indigenes of these communities have changed significantly.”

    The bank’s General Manager, Large Enterprises, Mr. Joseph Babatunde, who gave a breakdown of how the Fund would be deployed, told The Nation that the projects would be implemented by select development partners to support agriculture, solid minerals, cottage industries, artisans, and service industry, and clusters to improve their operations.

    According to him, what will be due each applicant is N50 million,  adding that the allocation is scalable depending on the project.

    He noted that the initiative would not only boost employment generation, but it would also improve the standard of living of the beneficiaries, revamp the economy, and enhance poverty alleviation.

    Some of BoI’s development partners are Arnegy Solar Limited, GVE Projects Limited, GreenPower Overseas Limited, The Solar Shop Limited, Wayo Tropical Technical Limited, Blue Carmel Energy Limited, Novel Integrated Services Limited  and Solar Force Nigeria Limited.

    They will implement the projects from design to execution.