N-SURE Sustainable Finance Hub | Nigerian MSME Architecture
SME Expert Banner
N-SURE Hub
Nigerian MSME Engine
ACTIVE CBN BENCHMARK
MPR: 26.75%
Verified CBN Standing Lending Facility
Home (Database)
Mod 1: Business Info
Mod 2: Underwriting
Mod 3: Bureau Data
Mod 4: MSME Grading
Mod 5: Agri Data
Mod 6: Shariah Facility Limits

Master Nigerian MSME Database

Select any entity record to inspect underwriting telemetry, facial biometrics, loan repayment history, and N-SURE certificates.

Scan Trading / Shop Name State / LGA / Ward Owner 1 (Legal Name) Phone Number National ID (NIN) BVN Primary Market Cluster Co-op Affiliation Adashe Affiliation Sector / Industry Weekly Turnover Weekly Revenue Inventory Value N-SURE Score Current Facility Repayment History
Module 1: Nigerian Corporate & MSME Ingestion Portal KYC / Biometric Synchronized
Biometric Facial Verification
Facial Scan
ASSIGNED N-SURE REGISTRATION NO:
N-SURE-NG-2026-88912
65.0% Actuarial Weight
Module 2: Psychometric & N-SURE Trader Game Underwriting 50/50 BLENDED ACTUARIAL WEIGHTING
N-SURE COMPOSITE INDEX
376 / 1000
HIGH RISK / SEVERE FLAG
AVG DECISION SPEED
1.5s
Hesitation Swaps: 0
CONVICTION RATING
100%
Absolute Decisional Conviction
BLENDED RISK SCORE
612 / 1000
MODERATE PRIMED TIER
Dynamic Actuarial Weighting Engine (50% Question Set / 50% Gameplay Telemetry)

Granular Response Diagnostics (30 Psychometric Scenario Vectors)

#VectorScenario Query Profile & Selected ActionSwapsTTDImpact

Trader Game Telemetry & Discrepancy Engine Placeholders (46 Data Points)

#Telemetry SectionUI Data LabelCaptured Data ValueAlgorithmic Score Impact
Module 3: Nigerian Credit Bureau & Central Bank Standing Facility Ingestion CRC / FIRSTCENTRAL CONNECTED

Commercial Entity Credit Record

Bureau VariableCaptured ValueUnderwriting Flag
CRC Commercial Delphi Score745 / 850Prime Class / Low Risk
Active Commercial Facilities4 Open Trade LedgersActive Supplier Lines
Historical Arrears (24 Mo)0 Months in Default100% On-Time Record
CBN Standing Lending FacilityNo Emergency BorrowingPASSED LIQUIDITY GATE
AMCON Debt Registry FlagClear / Not ListedCLEARED HARD GATE

Consumer Credit Record (Legal Owners)

Owner 1: Ibrahim Sulaiman (Managing Director)
NIN: 88419283741 | BVN: 22091827364
FirstCentral Bureau Score: 780 / 850EXCELLENT HISTORY
Owner 2: Fatima Yusuf (Executive Director)
NIN: 88419283742 | BVN: 22091827365
FirstCentral Bureau Score: 740 / 850CLEARED
Module 4: Nigerian MSME Operational Intelligence & Grading
OVERALL GRADING SCORE
8.40 / 10
SECTOR AVERAGE SCORE (KANO AGRI CLUSTER)
6.10 / 10

Section Performance Overview

Operational Radar Profile

Module 5: Geospatial Command & GPS Waypoint Repeater SATELLITE UPLINK: CONNECTED

GPS Coordinate Logger & Waypoint Repeater

Verify agricultural parcel boundaries across Nigerian farming clusters. Input latitude/longitude decimal degrees to repeat waypoints and calculate verified cultivation acreage.

Biological-to-Financial Liquidity Matrix

[ Verified Hectares: 142.5 ] × [ Yield Tons/Ha: 4.2 ] × [ Market Price: ₦ 450,000 / Ton ] = ₦ 269,325,000 Gross Forward Valuation
Module 6: Shariah-Compliant Facility Limits, Escalation & Kafalah Guarantee Architecture SHARIAH AUDIT BOARD CERTIFIED

This module determines the Shariah-compliant facility structure, credit ceiling, delivery channel, and escalation rate for ingested Nigerian MSMEs. Select a target tier and toggle the **Sovereign Kafalah Guarantee Fund** to simulate real-time risk absorption and fee structures.

INCLUDE GUARANTEE (100% Cover)
EXCLUDE GUARANTEE (Bank Balance Sheet)
ACTIVE SHARIAH CONTRACT
Qard al-Hasan
Approved Naira Limit Cap
₦15,000 – ₦30,000
$10 – $20 USD Equivalent
Facility Tenure & Channel
7 – 14 Days
USSD (*347*10#) / Agent Tablet
Commercial Fee Structure
Flat 5% – 10%
Kudin Sabis (+ Ujrah Tech Fee)
Repayment Escalation Rate
50% to 100%
(Graduates to Tier 2) - not mandatory

Visual Overload: MSME 52-Week Repayment Cadence Grid

Demonstrating unblemished historical repayment capability to justify automated facility limit graduation within N-SURE.

100% ON-TIME SETTLEMENT RECORD
52 Weekly Cycles Executed
WEEKS 1 TO 26 (CYCLE 1 & 2 GRADUATION PHASE)
WEEKS 27 TO 52 (CYCLE 3 & 4 MATURITY PHASE)
Total Volume Repaid via USSD/Bank: ₦ 1,450,000
Consecutive Zero-Default Streak: 52 Weeks (365 Days)
Next Approved Limit Multiplier: +100% Limit Escalation Unlocked

Master Shariah Institutional Facility Framework (Exact 7-Tier Database)

Credit Tier & Target Segment Shariah Contract Structure Primary Delivery Channel Naira Limit (₦) USD Limit ($) Tenure / Duration Commercial Return / Fee Escalation Rate (Upon Repayment)

Sovereign Kafalah Guarantee Allocation Waterfall

Total Sovereign Guarantee Corpus:₦ 10,000,000,000
Active Platform Exposure (10x Leverage Ceiling):₦ 84,500,000,000
Tier 1: Qard al-Hasan Default Pool (0% - 15% Tranche)100% Sovereign Absorbed
Tier 2: Murabaha / Salam Trade Indemnity (15% - 30%)80% Sovereign / 20% Bank
Tier 3: Ijarah / Musharakah Joint Venture (>30% Tranche)50% Pari-Passu Risk Share

Real-Time Kafalah Actuarial Impact Telemetry

Metric VariableWith Kafalah GuaranteeWithout Guarantee (Opt-Out)
Required Collateral Coverage0% (Character / Biometric)120% Tangible Asset Backing
Max Limit Escalation Ceiling100% per Cycle25% per Cycle Capped
Risk-Weighted Asset (RWA) Relief0% Risk Weight (Sovereign)100% Commercial Bank RWA
Ujrah / Markup Fee Discount-2.5% Subsidy AppliedFull Standard Rate
Automated Decision Speed< 1.5 Seconds (USSD OTP)48 - 72 Hours (Manual Audit)
×

Ingest New Walk-In MSME Client