Freedom | Excel Boss (@ObohX) header
Freedom | Excel Boss (@ObohX) profile picture

Data Analyst & Business intelligence Consultant Data & Ai Consulting firm @frivikhq 📩[email protected]

Nigeria
Joined November 2021
Photo by Freedom | Excel Boss (@ObohX)Photo by Freedom | Excel Boss (@ObohX)Photo by Freedom | Excel Boss (@ObohX)Photo by Freedom | Excel Boss (@ObohX)Photo by Freedom | Excel Boss (@ObohX)Photo by Freedom | Excel Boss (@ObohX)Photo by Freedom | Excel Boss (@ObohX)Photo by Freedom | Excel Boss (@ObohX)Photo by Freedom | Excel Boss (@ObohX)Photo by Freedom | Excel Boss (@ObohX)
Hiring? Recommend me 🙏 Data Analyst & BI Consultant · 3+ years · open to corporate roles and job opportunities 📩 [email protected] Pls share and repost ❤️ #OpenToWork #DataAnalyst – at Ikeja, Nigeria
5
24
2
77
2,896
For the data people: the full project is open on GitHub. 🔹 20 years of CBN rates and credit data, pulled 🔹 Loan app rates, each with its source and date 🔹 Real rates, lag analysis with statsmodels Python · pandas · Matplotlib · Jupyter Explore 👇 github.com/Freedom15dev/nige…
In Nigeria, the same loan doesn’t cost everyone the same. Big companies borrow from banks at about 19%. Riskier borrowers can be charged up to 32.6%. In 2006, the gap was 1.5 points. Today it’s 13.6. I followed two everyday borrowers through 20 years of CBN data 🧵
2
13
433
Banks charge small borrowers up to 13.6 points more than big companies. Loan apps charge per month, which hides the yearly cost. And missing one due date can turn ₦100k into ₦363k. I broke it all down, with 10 things to check before you borrow 👇 linkedin.com/pulse/who-gets-…
In Nigeria, the same loan doesn’t cost everyone the same. Big companies borrow from banks at about 19%. Riskier borrowers can be charged up to 32.6%. In 2006, the gap was 1.5 points. Today it’s 13.6. I followed two everyday borrowers through 20 years of CBN data 🧵
1
9
410
In Nigeria, the same loan doesn’t cost everyone the same. Big companies borrow from banks at about 19%. Riskier borrowers can be charged up to 32.6%. In 2006, the gap was 1.5 points. Today it’s 13.6. I followed two everyday borrowers through 20 years of CBN data 🧵
2
2
1
9
1,025
Why the gap? Risk. Banks charge more when they see more risk: no collateral, no credit history, irregular income, small size. That describes most small shops and many workers. Fewer than 1 in 20 Nigerian small businesses can access bank credit at all (World Bank).
1
2
52
Who Gets to Borrow in Nigeria? I Followed Two Borrowers to Find Out. This is the fourth project in my Nigerian economic data series. Full Article out tomorrow 7am on LinkedIn – at Ikeja, Nigeria
1
1
25
722
For the next 15 days, @365datascience is opening its full AI & data platform for free. No credit card. 134+ courses, free certificates, real projects. Copilot in Excel, AI agents, Claude Code and more. Pick one and finish it before Nov 20 👇
1
8
1
27
1,356
Explore the project The full project, including the Python code, datasets, notebooks and visualisations, is available on GitHub: github.com/Freedom15dev/nair… – at Ikeja, Nigeria
How much worse can the naira get? I decided to investigate. Rather than join the usual predictions about where the dollar might reach, I went back to historical CBN data to see what the numbers could tell us about the next four years. Here's what I found. 🧵
4
379
The biggest lesson: a forecast is more useful when you understand its uncertainty. Read the full article: [lnkd.in/p/dufsV8xt]
How much worse can the naira get? I decided to investigate. Rather than join the usual predictions about where the dollar might reach, I went back to historical CBN data to see what the numbers could tell us about the next four years. Here's what I found. 🧵
1
7
332
How much worse can the naira get? I decided to investigate. Rather than join the usual predictions about where the dollar might reach, I went back to historical CBN data to see what the numbers could tell us about the next four years. Here's what I found. 🧵
2
1
1
7
770
In 2006, $1 was worth roughly ₦128. By September 2026, it was around ₦1,327. But the naira didn't depreciate steadily. Much of the movement happened in short periods, while some years appeared relatively stable. That makes forecasting it a lot more complicated.
1
2
51
For about 15 months (Mar 2015 – Jun 2016), Nigeria’s official rate sat at ₦197 to the dollar. On a chart, it looks like stability. But was the naira stable, or was the rate just being held in place?
2
1
7
582
That’s called a peg: the central bank keeps the currency at a fixed price against the dollar. But fixing the price of a dollar doesn’t create more dollars. When oil prices fell, dollar supply dried up and demand didn’t.
1
2
64
7am tomorrow – at Ikeja, Nigeria
1
20
595
TINUBUUUUU 👀 2027 is an election year. If your vote had to be based on data, would you re-elect Tinubu? I was forecasting the naira for the next 4 years when I decided to look at its history under each president. Here's what I found 🧵
9
3
1
30
4,277
Naira depreciation under each president (official rate): Obasanjo: +12% Yar'Adua: +18% Jonathan: +33% Buhari: +134% Tinubu: +188% The numbers tell a story. But so do the policies, the inherited problems, and the economic conditions behind them.
1
3
533
The 100k Saving Experiment! – at Ikeja, Nigeria
In January 2006, imagine you put ₦100,000 in a drawer. Twenty years later it's still ₦100,000, but it now buys what about ₦6,460 did back then. I used Python and 20 years of CBN data to see if any common way of saving kept up 🧵
1
18
708
If your company is Hiring, Recommend me to your Bosses ! – at Ikeja, Nigeria
Hiring? Recommend me 🙏 Data Analyst & BI Consultant · 3+ years · open to corporate roles and job opportunities 📩 [email protected] Pls share and repost ❤️ #OpenToWork #DataAnalyst
2
7
32
1,052
I'm supposed to be applying for jobs, but here I am working on projects nobody asked for. 🤣 You people should put me inside your company – at Ikeja, Nigeria
2
1
21
832
The naira went from ₦128 to ₦1,327 per dollar from 2006 to 2026 10x weaker Major Jumps not drift....16 jump month, without those 16 months, the rate today would be about ₦133, almost we're it started – at Ikeja, Nigeria
1
4
372
The Terminal List Season 2! The Agency is bringing back most wanted fugitive James Reece to help them find terrorists 😂😂🫠
1
5
660
I wrote up the full story behind this thread: how ₦100,000 shrank to ₦6,460 in buying power, what happened in each way of saving, and what 20 years of data suggests. 📝 Read the article: [linkedin.com/pulse/i-followe…]
In January 2006, imagine you put ₦100,000 in a drawer. Twenty years later it's still ₦100,000, but it now buys what about ₦6,460 did back then. I used Python and 20 years of CBN data to see if any common way of saving kept up 🧵
1
8
480
In January 2006, imagine you put ₦100,000 in a drawer. Twenty years later it's still ₦100,000, but it now buys what about ₦6,460 did back then. I used Python and 20 years of CBN data to see if any common way of saving kept up 🧵
1
4
1
33
1,718
I followed the same ₦100,000 through five options, 2006–2026. What it can buy today, in 2006 money: US dollars: ₦66,701 Treasury bills: ₦39,887 Fixed deposit: ₦37,648 Savings account: ₦13,459 Cash at home: ₦6,460 None kept up with prices.
1
2
145