Unemployment and inflation in Africa’s largest economy is driving the desperate to unscrupulous loan companies

Shayo Adebayo, 28, an unemployed medical physiology graduate from south-west Nigeria, read from scores of abusive WhatsAapp messages and voice notes sent to her by debt collectors from quick loan companies.

“I will destroy your life,” said one. “I want to see your payment or else all hell will be let loose,” said another. And another, which simply said “enjoy your shame”, arrived after a message calling her a fraud and thief was sent to her family, friends and everyone in her contacts, attached to a photo lifted from her Facebook page.

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