Business

Top 5 Fintech Trends Nigerian SMEs Should Leverage in 2025

As we enter the second half of 2025, Nigerian SMEs are navigating a dynamic economy marked by digital innovation, inflation pressures, and evolving customer expectations. The good news? Fintech is making it easier to survive—and thrive. This article dives into five fintech trends shaping the SME sector from July through December 2025 and shows how

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The Top Business Mistakes First-Time Nigerian Entrepreneurs Make (and How to Avoid Them)

Starting a business in Nigeria is no small feat. From dealing with power supply issues to navigating a fluctuating economy and unpredictable regulations, Nigerian entrepreneurs are resilient and ambitious. But many first-time business owners fall into avoidable traps that can hinder growth, reduce profits, or worse—shut the business down. Whether you’re just launching your startup

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Monthly Business Review: How to Use PearMonie Data to Plan Your Next Month

“What you don’t measure, you can’t improve.”For African small business owners, that statement isn’t just a quote — it’s a survival strategy. Whether you’re running a hair salon in Lekki, a tech startup in Nairobi, or a fashion store in Kumasi, monthly reviews are key to staying profitable. And with a platform like PearMonie, reviewing

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Building Customer Loyalty Programs on a Small Business Budget

Why Customer Loyalty is Your Hidden Goldmine Getting a new customer can cost 5x more than keeping an existing one. In today’s competitive market, especially in Africa’s growing digital economy, customer loyalty is not just a nice-to-have—it’s your secret weapon for sustainable growth. Whether you’re running a physical store or a PearMonie-powered online business, building

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Understanding Your Business Health: Key Financial Metrics to Track

Running a business in Nigeria today goes beyond daily sales and customer satisfaction. Just like a regular medical check-up helps you monitor your personal health, tracking the right financial metrics gives you a clearer picture of your business health. In this guide, we’ll walk through essential financial metrics every Nigerian entrepreneur should monitor—and how digital

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Tax in nigeria

Don’t Let Taxes Kill Your Business: What Nigerian Entrepreneurs Must Know.

As a small business owner in Nigeria, you’re already juggling a lot—from sourcing inventory to chasing customer payments. The last thing you need is a tax issue that could freeze your bank account, block your funding, or worse—shut down your business.In this guide, we’ll walk you through tax compliance in plain language and show you

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5 ways to improve employee productivity

5 Ways to Improve Employee Productivity in Your Small Business.

In today’s competitive business landscape, maximizing employee productivity isn’t just about working harder—it’s about creating systems that enable your team to work smarter. For small businesses with limited resources, enhancing productivity can mean the difference between struggling to stay afloat and achieving sustainable growth. Recent studies reveal that employees are only productive for about 60%

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How PearMonie Can Save You Hours Every Week As a Business Owner

Ever feel like there aren’t enough hours in the day to manage your business effectively? You’re not alone. Many business owners are juggling multiple tasks, including inventory management, financial tracking, customer interactions, and marketing strategies. It can be overwhelming, especially when you’re doing it all on your own. The good news? You don’t have to

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Scaling Your Business with Smart Financial Strategies in 2025

In our previous article, we explored Financial Planning for Long-Term Stability in 2025, highlighting essential strategies to manage cash flow, set financial goals, and build a strong financial foundation. Now, let’s take the next step—scaling your business efficiently while maintaining financial stability. Why Scaling Requires Strategic Financial Planning Scaling a business is not just about

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