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If you want to make it, never do away with Risk because life is also risky
To have money is all about use what you have no matter how small it is and get what u want i.e Collateral
As a banker will take from surplus and and supply to area of deficit.
To buy goods, request for facility from a reliable commercial Bank, Micro Finance Bank or coorperative that operate at the least cost, least delivery time with minimum Risk and in most effective manner.
Thank you.