Bottom of pyramid


The Bottom of the Pyramid (BOP) Scheme is an on-lending Scheme using the services of Microfinance Banks (MFBs) as vehicle for credit delivery to the under-served and under-banked micro-entrepreneurs. The BOP Scheme is essentially aimed at poverty reduction through job and wealth creation focusing on the rural micro-enterprise operators with a view to extending financial inclusion to them.

The Scheme is designed to leverage on the spread and penetration of the MFBs in all parts of the country to stimulate economic activity within the critical mass at the BOP.


The Bottom of the Pyramid (BOP) Scheme enables BOI to deepen its developmental/lending activities by utilizing the services of MFBs to deliver credit to the under-served and under-banked at the Bottom of the Pyramid.


The fund shall be provided wholesale on agreed terms to MFBs to be on-lend to micro enterprises at the BOP for propagation of value addition activities in various sectors of the economy. An estimated minimum of 40,000 direct and 120,000 indirect jobs (totaling 160,000) are expected to be created at an average loan size of N250,000.00 per ultimate obligor.

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