Expert tips on personal finance, budgeting, investing, loans, and building wealth
If you are a student or working class citizen in Nigeria (and even if you are thinking of how such knowledge may help you or your friends in South Africa, Ghana, Uganda or Kenya) — you might have heard about the AGSMEIS loan scheme. But you may not know exactly how to apply, what the … Read more
Getting a loan can be very helpful. You might need it for school, for starting a small business, or for fixing your home. But one of the big things that stops many people—especially students or working class citizens in Nigeria, South Africa, Ghana, Uganda and Kenya—is poor collateral. If you don’t have good collateral, banks … Read more
Kenya is often called the “Silicon Savannah.” It has produced remarkable tech companies like M‑Pesa, Andela, BRCK, and Copia. Yet, many Kenyan startups struggle to secure funding. Why is it so hard for young entrepreneurs in Nairobi, Mombasa or Kisumu to attract capital? This article explains clearly, in simple English, the reasons Kenyan startups don’t … Read more
Are you a student or working professional in Nigeria, South Africa, Ghana, Uganda or Kenya who needs to borrow money to grow your business? Do you want to write a strong business loan proposal to help you get approved? This guide is for you. We will explain everything in simple English so that even a … Read more
Have you applied for a startup or SME loan from NIRSAL Microfinance Bank (NMFB) or through a scheme like Nigeria Youth Investment Fund (NYIF) and seen your application denied or declined? Don’t worry—you are not alone, and there are clear steps you can take to understand the denial, fix the issues, and increase your chances … Read more
Many young people in Ghana dream of building startups—tech apps, agro businesses, creative ventures, small manufacturing, and more. Yet one of the biggest obstacles they face is access to startup loans. Even though many programs, banks, microfinance institutions, and government schemes exist, youth entrepreneurs often find themselves shut out. In this deep guide, we’ll analyze … Read more
If you run a small or medium enterprise (SME) in Nigeria—or live in Kenya, Ghana, Uganda or South Africa and want to learn from Nigeria’s government‑loan system—this guide will walk you, in simple clear English, through how to get government business loans in Nigeria. You’ll learn what the loan schemes are, which government programmes are … Read more
If you run a small or medium enterprise (SME) in Nigeria, South Africa, Ghana, Uganda or Kenya and your business credit score is weak or declining, this can block your chances of getting the bank loan or financing you need to grow. In this detailed guide we walk through how to fix poor business credit, … Read more
Small and medium enterprises (SMEs) are the backbone of many African economies. They generate jobs, drive innovation, and help reduce poverty. Yet, all too often, these SMEs fail to qualify for bank loans. In Nigeria, South Africa, Ghana, Uganda, Kenya and across Africa, countless businesses apply for credit and get rejected or discouraged. Why does … Read more
In recent years, South Africans—and many in nearby countries—have turned increasingly toward Capitec Bank rather than relying only on online lenders or digital-only loan apps. But what drives this preference? Why would someone skip a fast online loan and instead choose a bank like Capitec? In this article, we will explore: What is Capitec and … Read more
In today’s digital world, many people in Nigeria, Kenya, Ghana, Uganda and South Africa use mobile loan apps to borrow money quickly. But with that convenience comes the risk that these apps collect a lot of your personal data — things like your contacts, messages, location, phone usage, and more. If you want to delete … Read more
If you’re in Nigeria, South Africa, Ghana, Uganda or Kenya and you use the Tala loan app but missed your repayment date, this article will guide you—step by step—on how to fix late repayment penalties, understand what caused them, compare alternatives, and avoid future trouble. We use clear English, with simple terms so anyone can follow along. … Read more
In Kenya and across Africa, mobile loan apps have surged in popularity. They promise quick cash, fast approvals, and convenience right from your phone. But many users notice something worrying: these apps often require too many permissions—access to your contacts, messages, microphone, storage, and more. Why do Kenyan loan apps demand such wide access? Is … Read more
If you’re a student or a working class person in Nigeria, Kenya, Uganda, Ghana or South Africa and you use the Okash app for personal loans, you may have noticed your first loan limit is small. Fortunately, you can raise your loan limit over time. This long guide explains how to increase your loan limit on … Read more
If you’ve applied for a loan on the Carbon app and your funds haven’t been disbursed, you’re likely asking: Why didn’t it land? What do I fix? This guide will walk you through why loan disbursement may fail on Carbon, what you need to check, how to fix the issue, and how to improve your … Read more
If you’re waiting for a loan from FairMoney and the money hasn’t landed yet, don’t worry — you’re not alone. Many borrowers in Nigeria, Kenya, Uganda, Ghana and South Africa use the app and face delays. In this detailed guide we will explore why FairMoney loans are not disbursing fast, the common causes, how you can … Read more
Getting a loan on Branch app can help students and working class citizens in Nigeria, Ghana, Kenya, Uganda, South Africa when you need cash quickly. But not everyone gets approved immediately. In this full guide, you will learn step by step how to improve your chances of approval, what Branch checks, what mistakes to avoid, … Read more
If you used the PalmPay app to apply for a loan and your request was disapproved, don’t worry — this guide will walk you through why it happened, what you can do to fix it, and how to improve your chances next time. It’s written in simple English so even if you’re a student or … Read more
If you tried applying for a loan using a mobile app in Nigeria and got rejected, you’re not alone. Many people—students, working class, freelancers—face this. This article explains why loan apps in Nigeria deny applications, what the apps check, how you can raise your chances, the pros/cons, and comparisons across Africa (Nigeria, Kenya, Ghana, Uganda, … Read more
For many people in Nigeria, Kenya, Uganda, Ghana and South Africa, taking out a loan seems like a way to solve a money problem. Maybe you’re a student needing fees, or you’re working class and you need funds for a business, or you want to buy something important. But many end up stuck in a … Read more
Understanding how long you will take to pay back a loan is one of the most powerful pieces of financial knowledge you can have. This guide helps you learn how to calculate loan repayment periods, why the repayment period matters, what the pros and cons are of short or long loan terms, how the process … Read more
Why Fixing Mistakes in Your Loan Application Matters Applying for a loan is a serious financial decision. Whether you are a student in Nigeria applying for a student loan, a worker in Ghana applying for a personal loan, or a small business owner in Kenya seeking business funding, the information you provide on your loan … Read more
Whether you are a student in Lagos, a trader in Nairobi, or a working‑class employee in Kampala, the decision to borrow money is a big one. One smart move before you press “Apply” for that loan is to check your credit report. Doing this simple step can save you time, cost, and stress. This long … Read more
Whether you’re a student in Lagos or a working class citizen in Abuja, or even someone in Kenya, Uganda, Ghana or South Africa who wants to understand how quick loans work in Nigeria, this guide is for you. In this article you’ll learn exactly how to apply for quick loans in Nigeria, what “quick loan” … Read more
If you are a student or working‑class person in Nigeria, South Africa, Ghana, Uganda or Kenya and you’ve borrowed from FairMoney (or a similar mobile loan provider), you know how important it is to repay on time. But life happens: you may have repayment issues. This long, detailed guide explains how to fix loan repayment … Read more
If you’re a student or working citizen in Kenya, Nigeria, Ghana, Uganda or South Africa, you may have seen how easily you can use a mobile loan app to get money quickly. But you may also have wondered: why do these loan apps charge such high interest rates in Kenya? In this article, we will … Read more
If you are a student or working‑class person in Nigeria, Ghana, Kenya, Uganda or South Africa, you may be thinking of taking out a loan. Before you do, it is very important to understand loan interest rates. Knowing how interest rates work, what makes them high or low, and how you can make better decisions can … Read more
If you’re planning to apply for a loan soon — whether you’re a student or working class in Nigeria, Kenya, Ghana, Uganda or South Africa — one of the most important things to check is your credit score. A low credit score can block you from getting the loan or force you to pay higher interest. … Read more
In today’s digital age, online loans have become a popular option for many Nigerians and across Africa — especially students and working‑class citizens in Nigeria, Ghana, Kenya, Uganda and South Africa. With just a smartphone and internet access you can apply for a loan instantly. However, many find their applications rejected, sometimes without a clear explanation. This article … Read more
In a world where digital connectivity binds people across borders, Africa is rising fast in importance as a single market. For students, professionals, and entrepreneurs in Nigeria, Ghana, Kenya, Uganda, and South Africa, one marketing idea holds great promise: Pan‑African marketing campaigns. But what does “Pan‑African marketing campaign” mean? Why is it becoming the future … Read more