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  "documentTitle": "PwC’s MSME Survey 2020 Building to Last",
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  "notes": "The chart highlights that informal sources like family and friends are the primary capital source for MSMEs in Nigeria.",
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      "text": "Bar chart showing financing sources: Family & friends (48%), Credit facilities (15%), Trade credit (8%), Co-operatives (6%), Grants (6%), Vendor financing (6%), Private equity fund (4%), Other (4%), Venture capital (3%), Listing on the stock market (1%)",
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      "text": "Family & friends were the most used financing for 48% of businesses in Nigeria in the last 12 months. Findings from the NBS SMEDAN MSME survey 2019 reveal that for most enterprises – both Micro and SMEs – personal savings was the most common source of capital. Nationally, only 49.5% of SMEs (that are sole proprietorships) reported having access to bank credit. Majority of Micro-businesses started with less than N50,000 in initial startup costs. Only 4.7% start with more than N300,000. 75% of SMEs start up with less than N10 million in capital. 6% of MSMEs however start with over N40m in capital. We recommend the establishment of an anchor scheme that will bring together SMEs and provide capacity development and training programmes on topics such as corporate governance and having proper documentation in place to access finance. With this anchor scheme, SMEs could gain insights on global best practices and strategies for accessing finance for business growth.",
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      "text": "Source: PwC analysis",
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      "text": "Which of the following sources of financing have you used in the last 12 months?",
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