Freedom | Excel Boss

Data Analyst & Business intelligence Consultant
Data & Ai Consulting firm @frivikhq
📩[email protected]

[Freedom | Excel Boss @ObohX]

Hiring? Recommend me 🙏

Data Analyst & BI Consultant · 3+ years
· open to corporate roles and job opportunities

📩 [email protected]

Pls share and repost ❤️

#OpenToWork #DataAnalyst

[Freedom | Excel Boss @ObohX]

I'll keep introducing myself because, in the next few years, I won't need an introduction when I walk into any room.

Hi, my name is Freedom Oboh.

[Freedom | Excel Boss @ObohX]

@Kishan_Devani_ I've been running it locally, and so far, the formula engine has been working well in my tests. Still exploring how closely it matches Excel, especially with more complex formulas.

[Freedom | Excel Boss @ObohX]

Excited to get hands-on with Univer Space.

I'm exploring the workspace, testing different possibilities, and documenting what I discover along the way.

Let's see what we can build with this!

[Univer @univerHQ]

Today, we’re announcing Univer 1.4 and introducing Space.

With Univer SDK, build your own spaces with file management and document, spreadsheet, and slide editing.

Build an agent-native workspace. Build apps for your business.

Here’s a closer look. 🧵

[Freedom | Excel Boss @ObohX]

Anywhere you lead me I will go

Claude Sheets ...LFG

[Claude @claudeai]

Starting to roll out today: Claude Whiteboards, Claude Sheets and Claude Data.

Think a plan through on a board, build a tracker in a sheet, and tell a story with your data.

[Univer @univerHQ]

Today, we’re announcing Univer 1.4 and introducing Space.

With Univer SDK, build your own spaces with file management and document, spreadsheet, and slide editing.

Build an agent-native workspace. Build apps for your business.

Here’s a closer look. 🧵

[Freedom | Excel Boss @ObohX]

For the data people: the full project is open on GitHub.

🔹 20 years of CBN rates and credit data, pulled
🔹 Loan app rates, each with its source and date
🔹 Real rates, lag analysis with statsmodels

Python · pandas · Matplotlib · Jupyter

Explore 👇

https://t.co/CQPITrjk38

[Freedom | Excel Boss @ObohX]

In Nigeria, the same loan doesn’t cost everyone the same.

Big companies borrow from banks at about 19%.
Riskier borrowers can be charged up to 32.6%.
In 2006, the gap was 1.5 points. Today it’s 13.6.

I followed two everyday borrowers through 20 years of CBN data 🧵

[Freedom | Excel Boss @ObohX]

@Olumi_dave Thanks Man

[Freedom | Excel Boss @ObohX]

In Nigeria, the same loan doesn’t cost everyone the same.

Big companies borrow from banks at about 19%.
Riskier borrowers can be charged up to 32.6%.
In 2006, the gap was 1.5 points. Today it’s 13.6.

I followed two everyday borrowers through 20 years of CBN data 🧵

[Freedom | Excel Boss @ObohX]

Banks charge small borrowers up to 13.6 points more than big companies.

Loan apps charge per month, which hides the yearly cost.

And missing one due date can turn ₦100k into ₦363k.

I broke it all down, with 10 things to check before you borrow 👇

https://t.co/Uwbqi9ksv1

[Freedom | Excel Boss @ObohX]

In Nigeria, the same loan doesn’t cost everyone the same.

Big companies borrow from banks at about 19%.
Riskier borrowers can be charged up to 32.6%.
In 2006, the gap was 1.5 points. Today it’s 13.6.

I followed two everyday borrowers through 20 years of CBN data 🧵

[Freedom | Excel Boss @ObohX]

So where does the common man go? Often a loan app: fast, no collateral, but priced per month.

I worked out what Tunde and Amaka would really repay, what happens if they miss a due date, and 10 things to check before you borrow.

Full article 👇

https://t.co/Uwbqi9l0kz

[Freedom | Excel Boss @ObohX]

They’re also competing with government.

Government’s share of domestic credit rose from 17% in 2006 to 32% in 2026.

In 11 months of 2024–25, a Treasury bill paid banks as much as lending to their best customers.

So why take a chance on a small shop?

[Freedom | Excel Boss @ObohX]

Who Gets to Borrow in Nigeria? I Followed Two Borrowers to Find Out.

This is the fourth project in my Nigerian economic data series.

Full Article out tomorrow 7am on LinkedIn

[Freedom | Excel Boss @ObohX]

@Femiforge @ezekiel_aleke 🤣🤣 make I unfollow you follow you again 🤣

[Freedom | Excel Boss @ObohX]

@AdetolaDeedee @starboy_abefe Oh that’s nice

[Freedom | Excel Boss @ObohX]

@ObinnaAnalytics @starboy_abefe Wow

[Freedom | Excel Boss @ObohX]

@Ca_zeeshanaqeel Thank youuuu

[Freedom | Excel Boss @ObohX]

How much worse can the naira get?

I decided to investigate.

Rather than join the usual predictions about where the dollar might reach, I went back to historical CBN data to see what the numbers could tell us about the next four years.

Here's what I found. 🧵

[Freedom | Excel Boss @ObohX]

@_techafresh Real life 😂

[Mary Komolafe @the_marykoms]

@365datascience is offering FREE access to 134+ AI and data science courses from November 5 to 20! No credit card required, and you can earn certificates for eligible CPE-accredited courses.
Grab your free access here: https://t.co/f7VPIF4pl2