| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | financing | Nigeria | Often done through informal networks such as family and friends due to limited access to formal banking services | 1 |
| 2 | loan applications | Nigeria | Loan applications may rely heavily on community reputation and group lending models rather than individual credit checks. | 1 |
| 3 | money lending | Nigeria | Informal money lending is widespread due to limited access to formal banking | 1 |