DROP DATABASE IF EXISTS bgbilling;
CREATE DATABASE bgbilling DEFAULT CHARACTER SET utf8 COLLATE utf8_unicode_ci;

DROP DATABASE IF EXISTS bgcrm;
CREATE DATABASE bgcrm DEFAULT CHARACTER SET utf8 COLLATE utf8_general_ci;

cat /etc/mysql/conf.d/mariadb.cnf:

# MariaDB-specific config file.
# Read by /etc/mysql/my.cnf

[client]
# Default is Latin1, if you need UTF-8 set this (also in server section)
default-character-set = utf8

[mysqld]
bind-address = 127.0.0.1
#
# * Character sets
#
# Default is Latin1, if you need UTF-8 set all this (also in client section)
#
character-set-server  = utf8
collation-server      = utf8_general_ci