Nigeria, March 17 -- Of the many challenges that our economy face, which is the most burdensome? Weak Institutions tend to be rushed to the fore and centre of this conversation. In the private sector case, no example screams for help more than the inability of the responsible authorities to protect minority shareholders from being shafted by the big players. Innumerable times, companies go to the public to raise equity only for the share price to fall below the issue price three days after and remain there until the next round of capital raising. Evidence of poor governance and lack of transparency? Yes, without any doubt.

But if the fact that many domestic small businesses struggle with getting affordable credit is another challenge to ...