Oluyomi Ola-David Insights

Indignation arrests development Peace opens the prison Junk clogs tunnel Fruit empties the filth Rage seizes economy Mercy opens the gate Ignorance clutches wings Truth releases the captive Channel constrains light Sky expands the room Humanity leaks matter Divinity injects strength Worry chokes potential Petition infuses zeal Pride stiffens neck Justice rules with equity Oppression stifles voice Equity rings a bell Darkness canopies treasure Light converts liability

Never again Should I be Too guilty to say I am now sorry  Never again Should I be too Too afraid to say It was my idea Never again Should I be Too proud to say I need help Never again Should I be Too hesitant to say I ask to be excused Never again Should I be Too quick to say It is your fault Never again Should I be Too wise to say I do not know it all Never again Should I be Too arrogant to say I beg your pardon Never again Should I be Too ignorant to say History does not matter Never again Should I be Too strong to say I am sometimes weak Never again Should I be Too hasty to say I can wait Never again Should I be Too poor to say I can change Never again Should I be Too ashamed to say I am Nigerian ... Photo credit: United Church of God

One goal of informal money lenders and formal financial service providers is to have a steady stream of credit-worthy customers who pay off their high- or low-interest loans on schedule. This serves to keep the cycle of credit steady and available throughout business cycles.   Whatever happens when debtors are running late with their scheduled repayments reveal the value systems of the creditors. On one hand, creditors may be patient and understanding, offering extension periods to hitherto faithful customers.  This is with an understanding of the financial history of such customers with the firm. Customers who may have been shown consideration with piecemeal payment options are likely to retain patronage of such financial service firms.   On the other hand, aggressive firms may demonstrate draconian methods (for instance, as reported by customer reviews of Fintech firms operating in Nigeria). These include recruitment of unpleasant customer service representatives, who use ope