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ACCURATE PREDICTION: What will be left of MMM NIGERIA in the next one month

As unemployment, lay-offs and low borrowing hit Nigeria hard, MMM came, offering participants an online Nigerian community that can give thirty per cent rewards on their donations to each other.

MMM Nigeria has been greeted with applause from many and tough criticism and scepticism from others. From the security man who has to live on peanuts to the chief executive who cannot access bank loans, everyone seems to feel richer and comfortable not necessarily because they have a lot of cash but because they have “confidence” that whenever they need cash, they have a community that can donate to them. This is what MMM claims is its ideology. Love over selfishness. For these people, MMM is a saviour and they won’t allow any criticism change their view. It is amazing to see thousands of Nigerians donating to each other.

Some other people don’t buy this. They believe “it’s too good to be true”. They believe MMM is a Ponzi scheme because it allegedly needs new members to continue to thrive.

MMM Nigeria has however continued to grow even with bad media, something that really worries the critics and spectators. MMM Nigeria participants spend millions of naira monthly giving to thousands of less privilege persons in hospitals and orphanage homes, spending time with them in almost every state in Nigeria.

According to their website ( and hundreds of participants interviewed, thousands of Nigerians have benefited from donations they provide to each other through the MMM platform. A participant, Ade, got donations of about N900,000 donations to pay for his medical bills after previously donating N500,000.

MMM boasts of transparency by having no central account (so the money cannot be easily stolen) and being truthful with participants. MMM strongly warns participants to donate only spare money and stick to the ideology of helping each other. MMM resists those who want to get rich quick on its platform by putting limitations on possible donations (ten thousand dollars) and removing participants with multiple accounts.

These moves by MMM seem not to impress critics, they argue that MMM has collapsed severally first in Russia, South Africa and recently Zimbabwe. Research shows the Russian government in 1994 saw MMM as a threat and seized millions of participants monies in the MMM head office thereby leading to the collapse. The Russian government excuse was “MMM didn’t pay taxes”. It is hard to trust a Russian government who jailed and killed Nicolai (a foremost economist) by a firing squad for simply predicting the fall of socialism. The founder of MMM was arrested for not paying taxes (which was impossible because there was no law in Russia to tax a joint stock company for selling stocks) and later released when he was voted into parliament in millions of Russians. Clearly, they didn’t see him as the person who stole their money, they knew what their government had done hence the overwhelming vote.

South African banks and media strongly believed MMM was a threat to their economy. The media trial created a panic among participants who didn’t really understand the MMM ideology thereby leading to a panic. People stopped donating to each other. The media apologised to MMM after the disaster and banks unfroze accounts of participants. MMM South Africa restarted and became stronger (

The Zimbabwe story is what is completely untrue. I personally reached out to hundreds of Zimbabweans (participants and non-participants). It is really surprising who is sponsoring such lies, a Zimbabwe participant said. Another Zimbabwe participant said “only some Nigerian online media are broadcasting this false news”. A simple Google search of “MMM Zimbabwe” reveals only Nigerian media carried the news which had been posted months back by a Zimbabwe blog. The news was edited to paint MMM Zimbabwe as dead. According to Zimbabweans, the Zimbabwean structure was remodelled to become like the Nigerian structure (which is one of the strongest in the world). They moved from 100% rewards to 20% rewards on their donations. Why Nigeria media carried the false news and why it happened at the same time remains unknown.

What is clear is thousands of MMM participants in Nigeria are spending even in a recession thereby keeping a lot of small and big businesses afloat. MMM participants are also able to finance their entrepreneurial dreams with donations received thereby creating jobs. An edge non-participants really envy.

The job seekers, students and pensioners are able to search, study and live happily knowing if they need help, they have a solid community that can come to their aide.

Smart businesses are seeking the patronage of MMM participants because they seem to be able to live comfortable in a recession. One of the MMM Nigerian participants wrote “we don’t have billions individually but we have so much as a community”.

I sought to inquire if cheap money is good for the economy. A participant replied me “Do you know how hard it is to convince you that MMM is real? It’s not cheap money, I spent days convincing my family to participate in MMM. It’s hard work. I work as a clerk. My boss can’t give me a raise because we have lost most of our customers. I haven’t been paid for months. MMM is the only reason I can still come to work and not beg for money to pay my children school fees, feeding and rent. Would you say it’s bad for the economy?” He asked.

My final question to this participant was “how long will MMM Nigeria last?”. He said “as long as we refuse to panic and keep helping each other. Divided we fall; together we will change our world. We must audit every news and verify every rumour. We must be wary of friends who are waiting to laugh at us. They can’t be our source of news or information. We must be strong and surround ourselves with like-minded people. This way, MMM Nigeria will last for a long time”.

My prediction: MMM Nigeria’s future in the next one week, one month, one year is in the hands of its participants. If they keep providing helping to each other, we will be unable to break them no matter what we do.


Attention! First off all obligatorily read the WARNING!

MMM is not a bank, MMM does not collect your money, MMM is not an online business, HYIP, investment or MLM program. MMM is a community where people help each other. MMM gives you a technical platform which helps millions of participants worldwide to connect those who NEED help to those who are ready to PROVIDE help, for FREE. All transferred funds to another participant are your help given by your own good will to another one, absolutely gratis. If you are completely confident and certain in your actions and make your mind to participate, we kindly ask you to study carefully all warnings and instructions first. In cases of any matter regarding the topic Our online consultants are ready to help and answer all of your questions.

MMM is a community of people providing each other financial help on the principle of gratuitousness, reciprocity and benevolence.

In MMM you don’t have to make contracts or pledge your property. In MMM there are no lenders and no debtors. Everything is very simple: one participant asks for help — another one helps.

The only thing that MMM demands from its participants is to be honest and kind to each other. You ask for financial help when you need it, you give financial help when you are able to do it.


There is no central account, where all the System money flows to (and where it can be easily stolen from :-)). All the money is only on the banking accounts of the participants themselves! On a lot of thousand and million private accounts. Participants transfer to each other directly, without intermediaries! (What are they for? :-)) In fact, MMM only regulates the process — nothing more.

So the System completely belongs to people. No kidding! It is a real mutual aid fund where ordinary people help each other.

How does it work technically? You declare the willingness to give help (click in your Personal Office (hereinafter PO) “Provide Help”), after which your account will be rewarded with mavro (internal “currency”/scores of the System). Mavros will start growing from the moment of offering the contribution at the rate of 30% per month. (Calculation of reward occurs twice a week, on Tuesdays and Thursdays at 00:00 GMT.) This sum in Mavro shows how much you can request for yourself.

Say you have announced willingness to assist with $ 100. You will be rewarded in your PO with 100 mavro. And they will immediately start growing! A month later, these 100 will become 130 mavro. Accordingly, you will be able to request assistance for $ 130.

However, it is not necessary at all to wait for a month. Help can be requested at any time. But only after confirmation of your mavro. What does “after confirmation” mean? It means only after you actually transfer money, i.e. really give assistance to another participant. (But not just declare willingness. :-)) Request for providing help comes to you in your personal office. If you do not do it within 48 hours, you will be removed from the system. (For all eternity. :-))

In cases of any matter regarding the topic our online consultants are ready to help and answer all your questions.

Please note that the use of the words 30% a month cannot be considered as a yield or interest rate since the funds were given away, we are not earning anything anywhere (we are a mutual-aid fund), and nobody promises or guarantees to pay it! Read over THE WARNING.

When registering in the system, you get from $20 to $100 as a present.

But not everyone, only those who have contributed their own money as well. (Otherwise the System will be pulled apart. For bonuses. They will keep registering endlessly. :-))

1) $20 — if you have contributed from $50 to $499. Frozen for two weeks. If you take it out earlier — you will lose twenty.
2) $50 — if you have contributed from $500 to $2’999. Frozen for a month.
3) $100 — $3’000 and above. Also frozen for a month.

Once again about “freezing”. Bear in mind that if you take your money out earlier, you’ll lose registration bonus. Only the bonus! But the contribution with all the accrued interest will be paid.

Each participant is allowed to have only one account.

You get 10% from all deposits of the participant you invited. Inviting new members into the Community is your additional contribution to its development. But nobody force the members of the Community to invite new participants. But at the same time, understanding that the MMM network can’t exist without development and participants’ encouragement in the form of referral bonuses motivate many people to take an active position.