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Dynamics of Credit Economic System in Africa is written to open the eyes of students, stakeholders in the national, regional and continental economy as well as technocrats who are the Tink Tank behind economic development at corporate, national, regional and continental levels, to the importance of credit in developing a buoyant economic system in contemporary times. It is a clarion call to both readers and scholars to embrace the philosophy behind the credit system so that they can be properly placed to appreciate the benefits credit has brought to the advanced economies of the world.

The objective is to let us meet up with the challenges of a robust and a sustained economic growth which is the panacea to the multiple economic, social and political problems confronting us as a continent. Africa must embrace a credit-driven economy because credit has a lending index of the status of the economy analogous to blood in the human body. Credit is meant to train us on the mastery of our focus and on how to efficiently and wholistically utilize available resources to develop continental economic empowerment and bring about economic transformation on our continent. Through the mastery of our focus, we gather the discipline required for efficient planning and are thus equipped to deal with the tasks of economic growth and economic development lying ahead of us.

In all, the book opens up a new direction on how to evaluate works on credit as well as the modus operandi of credit operation in the advanced Western economies. This is done with the intention of showing how and why the credit system should be adopted and adapted into the African economy. It is exactly this that necessitates the discussion of cogent topics such as “the role of a credit expert in a credit economy”, “the dynamics of corporate credit policy drafting”, “policy study on money credit institutions”, “financial framework for investment success and investment failure in a concessiortary process”, “conflict management in business” and “collateral in a credit system”. Anyone who is interested in knowing how the credit system has impacted positively on the economy of the Western world and on how we could possibly borrow some leaves from this for the onward transformation of the African continent would find this book handy. Nevertheless, the book can be regarded as a preliminary discourse on how the credit system could be harnessed for the optimal development of the African continent. Much detailed works on the credit system and the development of the African continent are on the way.


Philosophy, the fusion philosophy foundation thinking an the lack of makes it im planning to Economics and Credit Development in Africa provides the opportunity for of ideas from the humanities and the social sciences, particularly, from and economics, in determining and establishing a profound ideological for economic growth and development in Africa. Much gap exists between d acting in African politics and economics which is largely responsible for coherence between policy formulation and policy implementation. This possible for ideology to translate into a plan of action and for economic translate into sustainable development.

Consequently, and as it pertains to sustainable development, there is the need to bridge the polarity between thinking (i.e. philosophical principles as determinants of economic orientation) and acting (i.e. economics as providing the orientation and plan for development) in evolving a profound credit system for the development of the African continent. The need for this has become urgent due to the lack of awareness by the students of philosophy and economics as well as financial administrators on the link between policy thinking and policy implementation (acting) in relation to the development of human and material resources for the attainment of environmental stability.

Besides, research has shown that universities in Africa do not offer courses on credit and debt management. This apparent gap further creates a huge vacuum in the execution of economic plans and in the attainment of developmental objectives as it relates to credit.

In all, the book opens the eyes of interested readers, particularly, students, bankers, accountants, insurance and stock brokers as well as philosophers and economists alike

to the relevance of philosophy to economics. Consequently, the principal message of the book is that sound economic planning and execution is not possible without sound philosophical judgments. Needless 40 say, this message is reiterated by the fact that good product can only be brought about through good thinking.


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