2025-12-29 09:00:00
According to Punch, NIRSAL Plc says it is closing out 2025 with more than ₦100bn in approved credit guarantees for agriculture and agribusiness loans, positioning the guarantees as a de-risking tool that helps banks back projects they would normally avoid.
The milestone is framed as part of a broader push to widen formal credit into farming, processing, logistics and market access—areas often constrained by price volatility, climate risk and weak collateral structures.
The claim lands amid persistent concerns about food inflation and supply disruptions, where policymakers and lenders are searching for instruments that can crowd-in private capital rather than rely solely on direct public spending.
The core message is that credit can scale faster when the risk is shared—especially for value-chain activities that are commercially viable but too risky for traditional underwriting.
BusinessDay also reported the milestone, noting that NIRSAL “approved credit guarantees covering more than ₦100 billion… in 2025,” while The Guardian similarly wrote that NIRSAL “has closed 2025 with over ₦100 billion in approved credit guarantees.”
Echotitbits take: If the guarantee pipeline is real and transparent, the next question is where the credit actually landed—by crop, region and borrower type—and what default ratios look like. Watch for independent portfolio data and sector-by-sector breakdowns.
Source: BusinessDay — https://businessday.ng/news/article/nirsal-guarantees-record-%E2%82%A6100bn-in-agriculture-lending/#:~:text=The%20Nigeria%20Incentive%2DBased%20Risk,risk%2Dsharing%20tools%20to%20expand – December 29, 2025
BusinessDay 2025-12-29
Photo Credit: BusinessDay
