Emmanuella
@mjemmanuella
Followers
2,739
Following
219
Media
220
Statuses
24,095
CEO @yanafinance |Amateur DJ| Dealing @firstcirclecap |Restless| Eternally Curious| On a long walk to freedom| I come, I see, I conquer| Playground|
gathering my coins
Joined December 2018
Don't wanna be here?
Send us removal request.
Explore trending content on Musk Viewer
SnowMan
• 169313 Tweets
#WEARE大阪生配信やで
• 168951 Tweets
Malema
• 96710 Tweets
海ちゃん
• 69642 Tweets
ナイトメア
• 66095 Tweets
Zuma
• 39898 Tweets
見逃し配信
• 38547 Tweets
Azra Kohen
• 35245 Tweets
BINI SA ISLANG PANTROPIKO
• 29139 Tweets
Eastern Cape
• 24523 Tweets
Ley de Amnistía
• 21456 Tweets
ライドカメンズ
• 21012 Tweets
Ruanda
• 17295 Tweets
Gauteng
• 15912 Tweets
Limpopo
• 15431 Tweets
Zulu
• 15197 Tweets
トラジャ
• 13660 Tweets
上田くん
• 13158 Tweets
元太くん
• 12588 Tweets
大橋くん
• 11624 Tweets
ジュンブラ
• 11600 Tweets
重岡くん
• 10966 Tweets
シンデレラガール
• 10329 Tweets
リンライ
• 10250 Tweets
I spoke to my friend that is a police right now. He said they have not dissolved anything. They’ve just asked them to stop operations so that the chaos will stop. They are no signs of transferring anyone to new units/bases (yet)😭😭😭😭
They want us to believe that the IG of Police disbanded SARS with just a statement on TV. Are we mugs?
#EndSARS
28
2K
998
122
10K
5K
Schrodinger’s coffee
i just spilled my coffee and it landed like this, wat do
333
68
2K
109
2K
5K
I’m in a group of 3 people. I’m the youngest by 10 years. & the group is dedicated to having $1m liquid in 5 years. & we are all taking different paths. Will bookmark this and when any of us gets there, I’ll share what worked for them.
++ there are Reddit communities that are
After reading Ezra’s thread the question I keep asking myself is “what do I have to do today so I can be unbelievably liquid in the next 4 years?” 🫠🥹
16
230
742
54
394
2K
There are 4 types of women I generally avoid being friends with.
The ones obsessed with men
The ones obsessed with material things
The ones obsessed with fame
The ones obsessed with being the victim
They all make friendship miserable.
Overly materialistic people are rarely good people, its not so hard to understand. Everything is superficial and disingenuous.
10
1K
3K
5
297
607
I genuinely don’t care about being wealthy though. I really believe that wealth is tied to the value you create in the world. However, I kinda have an expensive taste so my financial number which I’ve had to think about as part of being in this group is kind of high 🥴
4
38
397
If you ask me, startups should go back to 2007 vibes. Just the founders and hardcore engineers who only care about engineering and non engineering interns who are just happy to be here all optimistic, excited and dogged like what they are building actually matters. All living in
11
102
313
Are you aware that there was a protest in Dutse today? They protested and danced in their neighborhoods and bullets were sprayed on them?
This country is bleeding
15
601
283
You really have to get up and give yourself the life you want. Like there’s really no other option.
2
140
301
Toyin has the worst fashion and is actually just a hater.
Laura is obsessed with Chioma
#RHOLagos
15
20
249
If you invested $10,000 in Netflix in November of last year, you would have about $2,636 today.
If you invested $10,000 in Ethereum in November of last year, you would have about $3,100 today.
1K
1K
14K
16
153
241
We are hiring
@growwithpennee
Flutter dev
Backend
Machine learning
Graphics & motions designer
Content writer
Cinematography & photography
30
261
251
Monopolizing one of the rooms and the kitchen and solely making the house rules is insane for equally split rent. This babe is so unaware.
For those wondering what happened on the other side of the coin, here it is.
I'M NOT FOR OR AGAINST ANYONE.
547
912
2K
1
58
211
I wrote about the mathematics of lending. Figuring out pricing and the underlying unit economics.
10
74
194
Hard coming animal 🥹
13
69
182
What’s the best product to do this fr.
Don’t care if it’s in usd or not but I want yield on the money and I don’t want to wait more than 24 hours if I need to liquidate
76
31
183
I just watched a video of a business owner who had a debt of 50 million naira to pay at 96% per annum on the
@UltimaNG
’s Lions den show.
This business had only made 5m naira in Q1
This is a terrible debt deal. Thread on what to look out for in debt terms for your business 🧵
7
67
163
Mention two young founders that just raised money and “tore” Benz on the company account quickly.
@0x
This is becoming something else. Even our young founders make this mistake. Once they raise money, the first thing is 2 tear Benz with their co-founder. Entrepreneurs for goodness sake, not FOREX traders. I think this age of attention makes it easier for us 2 be swayed by money.
2
1
7
12
50
158
Just because you don’t get married to a ‘rich’ man doesn’t mean you are settling. Are you guys even serious?
Many of you will settle , there are not enough rich men to go around except you are willing to share.
29
203
397
2
71
160
He says the commanders will be randomly changed. But no SARS personnel has been (will be) demobilized. Kai!
1
228
148
Hi, I’m looking out for someone who has a degree in and understands finance (forwards & futures, options, portfolio theory, CAPM, capital budgeting, financing, investment, payout & risk management) that is a good teacher.
I promise, I learn fast and I’ll pay good.
45
150
149
I know it’s a joke, but the money isn’t for him & his cofounders; it’s for the company. 🙏🏾
7
46
135
6. Chasing liquidity
If you’re single:
1. You’re either talking to someone
2. Stuck on an ex
3. Chasing someone who is taken
4. Broke
5. Ugly
Which are you???
267
53
294
2
59
136
@kenjislav
@funkeolotu_
might not be all bad. Maybe it’s just the photoshoot that didn’t have good vibes
1
0
116
I write about building a credit business because I know how incredibly difficult it is even though the opportunity is both massive and money making. For today, I tried to shine light into KYC from a what is needed (not what is required) approach.
9
42
118
1. Please stop coming into my DMs to tell me I’m beautiful/lovely/hot etc.
2. I’m not a financial expert and don’t have the answers you seek. It’s largely an experiment.
3. It’s not an open group. I’ve been friends with one of these people for over 5 years. I’ve helped him
I’m in a group of 3 people. I’m the youngest by 10 years. & the group is dedicated to having $1m liquid in 5 years. & we are all taking different paths. Will bookmark this and when any of us gets there, I’ll share what worked for them.
++ there are Reddit communities that are
54
394
2K
23
23
112
We are currently now acquiring users at a 24% week on week growth rate and our CAC has dropped drastically. I’m so proud of what Pennee’s marketing is doing and all the work the operations and customer success team is doing into getting users active.
9
27
103
Hey, we are hiring for a graphics and motion’s designer.
Fully remote but preferably in Lagos.
More details in the link below. RT please.
22
121
103
@AgeofIrony
@gnarlysamwell
@SlimiHendrix
Ummm, you actually really need to do some reading. And this time not doctored Christian literature, actual history stuff.
0
0
93
Saw it. But it doesn’t matter to be very honest. Still going to build one of the strongest companies out of Africa and that’s what I’m most proud of 😅
Still wonder how they skip Emmanuella's name from that women's list.
Maybe they wanted to make 38 looks good if not, they did a bad research with that list.
There are up to 3 people missing on that list.
4
0
5
14
15
102
I might as well put this here. We can’t allow
#EndSARS
to be the end; it’s the beginning. We need to make our country work, if not for us, for those after us. We really need to and if you are committed to a long term systematic political change, please see
If you are willing to help build a political organization that cares about Nigerian lives and will help support change join this telegram group
#EndSARS
#EndSarsNow
#EndPoliceBrutality
#EndSARSImmediately
3
95
46
1
161
99
I’m such a words person. Tell me you miss me. Say that I’m pretty. I want to know the specific reason why you remembered me today. Say that you are sorry. Use your words. Feed my ego with things that I love to hear.
4
64
102
Hey,
I built a custom gpt that takes you through a 90 lesson structured learning on all the countries of the world. There’s tests at the end of every lesson and you need to score 80% to move to the next lesson. Some tests are cumulative, some are just for that lesson. There’s a
2
34
100
@tosinolaseinde
I don’t think so tbvh. Liquid $1m? I’ll be surprised if I hit it in 5 years 🫠
1
1
90
@ChukyBorgia
@ozzyetomi
Obviously, the few exceptions are not what is being talked about here
2
0
86
What I’ve learned about confrontation/hard conversations is to start with the end goal so everyone can relax.
I.e
“We need to have this conversation because I want to stop feeling blindsided. This is not an accusation and the plan is for us to come out with a stronger
I’m very comfortable with confrontation because I know how it pays off.
Because no matter how hard you try to save face and sweep things under the rug, eventually it explodes. Always. And it's so much worse.
11
3K
8K
2
31
85
Hi,
I’m looking to work with 100 small businesses that need 1m to 10m naira to expand their business. Apart from financing, we would provide extra perks and support to the businesses.
Please fill this form or/and refer others who need this. 🙏🏾
15
119
85
OMG! this same account did the exact same thing to me in 2021! I don’t want to post IG DM screenshots because I’m so embarrassed at the things they sent to me. I had to remove them from following me, restrict and block them. OMG! Such an idiot!
TW: Sexual Harassment
Today, June 1, 2023, Dimeji Ezeikel (@/dimejiezekiel on Instagram), a product designer at LemFi (
@UseLemfi
) sexually harassed me online.
As a woman who stands vehemently against sexual abuse in any form, I cannot sit back and let this slide.
715
1K
2K
12
65
82
@NaijaFlyingDr
Let's not forget that if there is nothing to repeatedly point out, a woman won't have to nag.
8
19
83
Startups are so hard to build, it will be great if we can all be kind to everyone involved. 💜
1
24
81
The US is a very weird place. Everything sits on the line of politics. Everyone is political. There’s no discussion that unites them. People pick a political side and that side chooses everything else for them. Just weird.
2
49
79
Product wise, Netflix is superior. Content wise, it’s depreciating.
6
30
75
If you want to apply for a stall at GTCO fashion weekend but you are holding back because you don’t have sufficient capital to stock up on wares for sale, send a DM and we’ll(
@growwithpennee
) give you capital (on loan) in 48 hours!
2
126
70
Shola is the standard, really.
1
11
70
I have serious liquidity now and I want to work with businesses that are at the helm of unlocking their next level of growth.
What you can get now with
@yanafinance
- a corporate credit account (up to 50 million naira)
- discounts & perks from your favorite business service
I have come again.
New month, new deals
Looking for 100 businesses that want a 5 to 10 MILLION naira liquidity partner.
- comes with high level dedicated support
- discounts, discounts, discounts
Please fill this form for a fast track.
5
49
56
14
54
68
Except you are Uber special, why will anyone want to go through the stress of hiring you with your different time zone, communication hiccups and payment & tax remittance challenges if not that it saves them cost?
6
33
68
Is there any organization employing unqualified women simply and only because they are women?
Secondly, allow women to be mediocre! There are so many employed mediocre men.
This is an unnecessary hill to die on!
7
22
67
I like sharing about what I’m building or just being a founder in general because I have a very unconventional background. I’m the least qualified. I’m a hard worker, yes, but I’m also the most favored. If I’ve been able to do any of this extent, it means most people will do 10x
Fundraising is hard.
It is a full time job.
It’s mentally brutal and physically tasking.
There’s methodology to it. The best fundraisers actually use the strategy but most people (I included) wing it.
Fundraising is also about relationships especially early because funders bet
0
20
58
6
12
66
Took us 6 months to get here.
While we know this number will be 10x this in the next 6 months, we are focused simultaneously increasing our active user ratio, hitting 1,000 credit transactions per day and driving down unit cost.
Well done to every super star
@growwithpennee
23
21
61
It’s taken us so long to launch fully at Pennee because
1. Regulatory compliance
2. Bad hires are very time costly
3. I’m a part time perfectionist
But next week, we drop.
And once we’re out, we feast🥳
Let a small business owner know. Their life is about to change.
5
19
61
Had a boss that used to spank me. Yes, that type of spanking. Like he would say “You’ve are a naughty girl” and flip me over to spank. The day I told him it was abusive, he told me to shut-up and did it again. I left for my mental health o☹️
59
86
60
Opening my mum's eyes gradually to the effects of patriarchy and the pressure of internalized misogyny has been a beautiful journey for me. We aren't there yet, but it's really sweet to watch her shun down "woman's duty" to family members and her women group!
Patriarchal women are dangerous.
They are the women who give advice through bullhorns, calling for their fellow women’s dehumanization and subjugation.
They call it “a woman’s duty” and are emphatic in ostracizing other women for falling out of line.
They also raise children.
34
641
1K
2
11
53
As a US company, you can’t publicly solicit for investment. It’s illegal. I’ve seen this a few times. I think I’ve even seen a published article soliciting for investments. Please you guys should read the applicable laws of where you are incorporated and operating.
6
26
58
There’s nothing wrong with semo. I don’t understand the online slander tbh
7
24
52
@lookattheprime
r/bogleheads is one but it’s for passive investors. So if you are a high earner, I guess it works.
3
4
57
Fundraising is hard.
It is a full time job.
It’s mentally brutal and physically tasking.
There’s methodology to it. The best fundraisers actually use the strategy but most people (I included) wing it.
Fundraising is also about relationships especially early because funders bet
0
20
58
One of the things that the CFO at Dashlane taught me is how to measure ‘departments’ by revenue. So everything a team spends; headcount, tools, etc is 1 vs revenue.
You reduce and increase headcount + budget based on this. If R&D is eating too deep into burn and delivering
In companies that have lasted over 50 years, the rule of thumb is that the one marketing headcount is supposed to generate a minimum of a 10th of the revenue. I’ve never not had a budget lower than €1M per annum as a marketing professional.
In my multinational pharma days, the
3
11
46
3
14
58
I have come again.
New month, new deals
Looking for 100 businesses that want a 5 to 10 MILLION naira liquidity partner.
- comes with high level dedicated support
- discounts, discounts, discounts
Please fill this form for a fast track.
5
49
56
1.6 million users for an entire continent is embarrassing.
11
24
54
If you know a female business owner that will love
- 5m or less in a corporate credit account all year long.
- up to 30% discounts with delivery partners.
- a chance to get a 1 million grant before the year ends.
Send them to my DMs 🤝🏾
11
76
52
We’ve worked really hard in the past months with a lot of grit, a lot of thought and a lot of work to not just bring to life a new brand, but an even better product.
Yana comes with a true credit account. Currently capped at 50 million naira. Software that supports your
Guess what 🥁? Pennee has taken a whole new face. From growwithpennee, you can now unlock growth with Yana. Our goal remains to forge partnerships that drives growth for small businesses. Yana was created specifically with you in mind. With Yana, the sky is the starting point.
2
35
49
9
29
52
Not really. Grand gestures of romance are the easiest to think off, be influenced to do and pull off as long as the money to do so exists. Acts of romance that come from a place of thoughtfulness, listening and consideration are much more rare and harder to teach.
Unpopular opinion but This kind of romance cannot be taught. You either have it in you or you don’t.
527
18K
89K
1
22
51
Someone should write about the VC investment class so people can understand better why it’s biased to software and moon shot projects generally. How exits happen and how software companies are ‘real’. Then they should also explain PE which is better suited for traditional
Can't shake the feeling, what if promising young 'real' companies like
@sofreshng
&
@ReelFruit
had access to even a fraction of the tech industry's funding boom over the last 20 years. Could be a spectacular failure or an incredible success, but I am inclined toward the later.
4
22
46
5
20
52
Just be good at discernment sha. If you like donate your leg; some people will grow and still leave you; some companies will still hire over you. People are loyal to different things. Companies are loyal to different things. Know this and know peace.
0
20
49
@Jibsman1
@funmioyatogun
To be honest, you don't. I know people who uses up to 3 for a full cycle. Buying pads a few times doesn't equate using them and talking (comfortably) with others that do to know enough
2
0
47
@sholz_ardin
@ChenaOnuorah
So the real issue is your broke ass doesn't want to admit you can't afford a proper date. Okay
0
0
44
You can’t hit a KPI. You track a KPI and hit a performance goal.
Your mission isn't to hit the goal.
Your mission is to hit the KPI's that will take you to the goal.
Are you paying attention to the right metrics to know if what you are doing is working? Sign up for my upcoming masterclass via my pinned X.
0
0
5
2
10
48
Post cards from Nairobi 🇰🇪
Shoutout to TLCom for year in year out, every year, showing that they love female founders.
6
1
48
Sharing fliers at the malls. CEOs being the photographers. Selling cereal just to survive. Pulling all nighters. 7 days a week. Going to open markets. People who have everything to lose, yet nothing to lose.
1
11
47
1. You can be genuinely that busy and when you aren’t busy, you are tired.
2. Anxiety exists.
No one is too busy to respond to a message sent over 24hrs. It’s just priority.
19
299
665
5
13
47
Introduced two of my friends, now they are both heartbroken. 💀
11
11
45
I just wish there was a woman interviewed as well. I want my women to believe that it’s possible and not far fetched.
5
9
43
Just putting it out there that we provide the lowest interest on credit to SMBs (in Nigeria) from non commercial banks.
0
18
44
Off a conversation this morning, I wrote about what I know
@growwithpennee
’s super power is and what sets us apart.
Let me re-introduce Pennee to you in a 5 minutes read.
Thank you to
@mrtoluabiodun
,
@justsay_didi
and
@akinmail1
for proofreading
2
22
44
I sha blame our public leaders. Nigerians are living with trauma that everybody is a thief
1
10
43
If your products is software, the CTO is better of being an engineer with depth/range. The regulatory pharmacist can be the CPO or COO depending on where their expertise comes to play most.
My unpopular opinion on this is that a “technical cofounder” isn’t always someone who can write code, but it has to be a domain expert in the field you’re building software.
A software developer is the simplest part of the regulatory tech solution I’m building. A technical
8
27
89
4
6
42
All I would say is lending is a terribly hard business. Theres a lot of money to be made but it’s incredibly hard to scale. The easiest type of lending is the one in a closed controllable system. The second easiest is one with easily liquidatable and possessable collateral. Hard
3
14
44
There are people who like being kings of a village and there are people who like being in a village of kings. You might mistake the former for the latter.
3
12
43
To a carpenter the solution to all problems is a nail and hammer.
1
7
40
This is the same line of thought that one of the presidential candidates had when he was asked before the elections.
Why are we so obsessed with the USD? Iya Sidi Dey collect dollars?
86
15
51
1
22
39
@J0kester_
@Capt_Bali
I clearly requested what I wanted. None of it was a request for advice.
0
2
40
Hey,
After monttttths, Pennee is live 😌.
This is a product of love & passion & anger & fear. It’s months of talking to different types of business owners. It’s months of multi-little launches to test. It’s what I will use myself & I’m elated to share it with MSB owners!
We are live 🥳🥳🥳
Just android for now. But iOS in a few days🤗
Plug 🔌 and play ▶️
7
132
131
6
21
41
Some people’s life are too dramatic for remote work.
Today your uncle died, tomorrow you are sick, on Friday there’s an urgent meeting, next week your ear fell out, on Thursday the power has been out for 1 year in you area. Excuses upon excuses, but I lack empathy. O di egwu
6
18
39
YOY
TTV down by 26.67% in dollars but up by 43.94% in naira
Revenue down by 11.68% in dollars but up by 76.63% in naira
Lmao. The report shall be given in naira or percentages please 🙏🏾
9
7
40
One of the best things I did last year was paying for Ventolin inhalers for 5 people for 6 months via Famasi. I don’t even know those who benefited but I’m happy they did. And I learned that after I did, a couple other people decided to do the same. It cost just about 35k naira
With the recent price hike in Seretide/Ventolin inhalers, it's becoming difficult for the everyday person with Asthma to breathe.
We get it and we also understand how frustrating this can be.
If you know someone with this experience, please share the link with them.
1
16
14
1
29
40
I like the way Nigerian cultural festivals are taking their PR/perception seriously.
From crowning of the Olu of Warri, to the Ojude-Oba in Ijebu and now the Ofala festival in Anambra. I love it so much.
The beauty and elegance of the Igbo culture 🇳🇬
Ndi Igbo! Shot by me
#anambra
#ofalafestival
2K
12K
38K
0
11
38
I am backhand sure of 3 that will happen.
I’m not sorry but
@buildwithpennee
is going to be one of them. Just a matter of time & some work 🌚
Can’t wait to see a female-led African tech startup worth $1B.
It’s gonna happen!!! Hopefully sooner than later!
121
1K
5K
7
9
35
You know what’s crazy? You are putting in twice the work but earning way less revenue dollar wise. Because the exchange rate is dwindling and the economy is tightening.
2
13
38
Stop posting imaginary scenarios of what founders used money to do. It reeks of attention seeking!
1
16
38