GrowthIntelAfrica Beneath the Numbers · by Olawale Osoba
Executive Briefing tool · Bring three numbers

What this month's economy is doing to your business

Enter three numbers from your business: monthly sales, gross margin and the days your customers take to pay. Not sure of one? Work it out here. You will see where your money is stuck, what your prices are worth and how exposed you are before the January election.

Policy rate23%Reset from 26.5% on 22 Sep. The CBN says it is not an easing.
Inflation, August15.39%Food inflation 19.57%
Naira per dollar₦1,331Official. About ₦1,395 on the street (21 Sep)
Presidential election100 daysSaturday 16 January 2027

You are looking at an example business. Press the button to clear it and enter your own three numbers.

Your three numbers

The three to bring to the briefing. Rough figures are fine.

₦
Not sure? Add up your last three months of sales and divide by 3.
%
What is left of each ₦100 of sales after paying for what you sold.
Work it out
₦
₦
Enter both figures.
Paid on the spot? Enter 0.
Work it out
₦
Enter your monthly sales above, then what customers owe you.
Sharpen your readingOptional quick answers, most from memory. Each one unlocks more of your results.
0 of 9 answered
%
₦
₦
₦
Your figures stay on this device. Nothing you type is sent or stored. Only the room code you choose to share leaves your phone.
Shock readiness
45 / 100
Under strain
At riskUnder strainExposed in placesBraced

Where your cash is stuck

Enter your three numbers to see this.
What your prices are worth

Enter your three numbers to see this.
If the naira moves

Add the share of your costs tied to the dollar to see this.
10%
The rate cut, for you

Add your loan balance (0 if none) to see this.
2 pts
Election-season stress test

Enter your three numbers to see this.
20%
2 mo

Your three moves this week

    Pick one. Start it before Friday. Simple rules you act on beat complex plans you don't.

    Your room code

    Press Use my numbers and enter your three numbers to get your room code.

    Next: decide what to do about it

    The Decision Room

    This test shows where you are exposed. The Decision Room is where you decide what to do, with this month's data, sector by sector, and leave with a one-page decision sheet for your own business.

    Thursday 22 October 20266pm to 9pm WATLive online₦75,000 per seat
    • What the 23% reset and September's inflation figures mean for your loans, prices and stock before 16 January
    • Who gains and who loses, sector by sector, and where the money moves next
    • Your own decision sheet: reprice, refinance, restock, hire or hold
    • A check-in 30 days later on the decision you took

    Seats are booked through the link shared in the session and on WhatsApp.

    Bring your team: the founding Oja Naija Decision Lab, 12 to 13 November. Your finance and sales leads run your own firm through a simulated Nigerian year. ₦1,000,000 per team of three at the founding price.
    How these numbers are worked out
    • Gross margin helper: (sales minus what those sales cost you) ÷ sales, for the same period.
    • Days to pay helper: what customers owe you today ÷ monthly sales × 30.
    • Cash stuck: what customers owe you (sales ÷ 30 × days to pay). With the quick answers, plus stock (cost of goods ÷ 30 × stock days) minus what you owe suppliers (cost of goods ÷ 30 × days you take).
    • Prices: 1% on your prices adds 1% of sales to gross profit. Costs are assumed to rise with national inflation, 15.39% a year (19.57% for food businesses), compounded monthly, so each month prices stand still loses about 1.2% of your cost of goods. With months since your last price rise, the gap is that drift since then. If you have already repriced, the gap is smaller.
    • Naira move: dollar-linked share of cost of goods × the move you choose. It ignores any price you can pass on.
    • Rate cut: loan balance × the cut you choose ÷ 12. The CBN reset the policy rate to 23% on 22 September and said it does not change its stance, because banks were already dealing near 22%.
    • Stress test: gross profit falls with sales; running costs and interest do not. We don't forecast the election. You choose the size of the dip.
    • Shock readiness: five parts worth 20 points each: cash cover of fixed costs, cash cycle, naira exposure, pricing discipline and debt pressure. It appears once the quick answers it needs are in.
    • These are estimates to guide a decision, not accounting or financial advice.