Small Business Nuggets

Cowryvest Small Business Management Nuggets

Small businesses are the drivers of any economy. In our opinion they are the mainstay of capitalism / societal economic development, creating wealth while closing the employment gap in the society. However, as much as a great number of small businesses exist in the developing world, a huge percentage of them barely succeed owing to several inhibitors. And even when some of them succeed, they barely grow beyond mum and pop level mainly because of omission of some “common sense” secrets that are not necessarily taught in schools but one has to pick up along the way. It is for this reason and more that we will be sharing some nuggets to help small businesses not just to survive but to thrive and attain their full potential.

Below are Cowryvest articles on Small Business Nuggets for your reading pleasure. Click on any of the links to read:

Cash Is King: Why Cash Flow Matters More Than Profit for Small Businesses

How to Claim Your Unclaimed Dividend in Nigeria

Have You Ever Bought Shares In Nigerian Companies in the past? Public offer (Primary) or Secondary Market? Then this is for you. Several Nigerians participate in Public offers of Nigerian publicly listed companies without going further to register with stockbrokers. For instance, the last MTN public offer in 2022 had over 126,000 investors, according to MTN and Premium Times , but I would be surprised if up to half of such investors have done anything further after that investment. Similarly, GTCO recently did a public offer with not less than 130,000 domestic investors participating in it as reported by Guardian News . If you have ever participated in buying shares of Nigerian companies, chances are that you might have unpaid dividends waiting for you to claim (Free bucks, yeah!). Whether it was through an Initial Public offer, Public offer or bought from the Secondary market, if the company had ever declared dividends after your purchase then you are likely eligible to be ...

Access Holdings 2025 Half-Year Results: Profit Drops, Wigwe Estate Divests Shares

NIGERIA: Access Holdings PLC recently finally released its long awaited Audited Financial Results for June 30, 2025.Recall that they had notified the investing public of the delay in publishing their half year result twice, engendered by the complexity of the post-completion audit activities of their newly acquired sub-subsidiaries within the banking group, and getting Central Bank of Nigeria's approval for the result. The delay in releasing the result had led to some shareholders selling off their stocks in the Financial institution, as some of them had expressed fear on the underlying reason for the delay. It was further exacerbated when a recent news revealed Access Bank's CEO, Roosevelt Ogbonna's splurge of millions of dollars on a UK property . While some investors did not see anything wrong with that news, others expressed concern, as Bankers are generally expected to be conservative in their vanity pursuits, especially in the eyes of curious and inquisitive custom...

Access Holdings PLC Explains New ₦40bn Capital Raise and Dividend Impact

Access Holdings PLC has released an explanatory note to their Shareholders on the resolutions to be considered at their Extraordinary Meeting scheduled to hold on December 18, 2025, where they would be considering raising additional capital through Private Placement of 1.975 billion ordinary shares at ₦20.25 per share. In a recent article we had outlined this plan as announced by the company, and concerns expressed by shareholders regarding the exercise, especially as Access Holdings was one of the first commercial banks to meet up with the new minimum Capital base requirement of ₦500 billion set by the CBN ahead of the 2026 deadline through a rights issue done between July and August 2024, where they raised over ₦350 billion with the offer priced at ₦19.75 per share, which took up their shares outstanding to over 53 billion shares. The Notice of Extraordinary General Meeting which was published on the NGX on the 27th of November, 2025 outlined that the company w...

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