On a Monday morning in July, Usman Muhammad was in a magistrate courtroom adjusting and readjusting his belt as he waited for a judge to deliver his prison sentence in Birnin-Kebbi, the capital of Kebbi State.
Mr Muhammad was one of the over 70,000 beneficiaries of the Anchor Borrowers’ Programme (ABP) in the state. But, according to prosecutors, he failed to repay the loan he collected six years ago. The ABP guidelines stipulate that upon harvest, benefiting farmers are to repay…
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