Nigerian MFB Credit PlayBook

The Nigerian Credit Playbook is a comprehensive, field-tested manual covering every critical dimension of credit administration and management within the Nigerian microfinance banking environment.

Structured across 13 in-depth chapters plus a practical glossary, this book delivers a complete operational framework aligned with Central Bank of Nigeria prudential guidelines and real-world sector realities.

Inside, you’ll find:

• The Nigerian MFB credit landscape — regulatory standards, prudential benchmarks, and environmental risk factors
• Credit policy design and governance — approval matrices, control gaps, and enforcement discipline
• Loan origination and profiling — PEARL framework, KYC/AML standards, and business visit protocols
• Credit appraisal and analysis — contextualized 5Cs, cash flow reconstruction methodology, loan sizing logic, and scorecard design
• Approval and disbursement controls — maker-checker principles, fraud prevention, and pre-disbursement safeguards
• Post-disbursement monitoring — structured review cycles and a full early warning signal matrix
• Collections and recovery strategy — escalation framework from Day 1 to 91+ DPD, guarantor management, restructuring decisions
• Portfolio quality management — PAR, NPL, provisioning, classification standards, and write-off governance
• Collateral valuation and risk control — valuation standards, asset types, and overvaluation case study
• Group lending (Solidarity & VSLA models) — formation mechanics and delinquency containment
• Agricultural and seasonal lending — crop calendars and risk mitigation frameworks
• Digital lending and technology readiness — risk-opportunity matrix and implementation checklist
• A 90-day credit transformation blueprint with the most common failure patterns and high-performance benchmarks

The book integrates Nigerian case studies, field-based Q&A, structured warning notes, recommendation boxes, and detailed reference tables.

This is not theory. It is a practical operating system for building disciplined, compliant, and high-performing credit functions in Nigerian microfinance institutions.