Borrowing rates in Nigeria are expected to ease gradually over the next six months, supported by growing optimism over the naira’s performance against the US dollar. The Central Bank of Nigeria’s Business Expectations Survey for December 2025 captures the views of business leaders across key sectors of the economy.
The survey shows the naira exchange rate expectation index rising from 26.6 this month to 39.7 in six months, signalling increasing confidence in currency stability. Similarly, the borrowing rate expectation index is projected to decline from 15.6 in the current month to 9.9 in six months, indicating easing credit conditions.
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Analysts attribute the improved outlook to tighter monetary management, ongoing foreign exchange reforms, and better dollar liquidity. Respondents also expressed optimism that recent policy adjustments by the apex bank will support macroeconomic stability and gradually reduce the cost of borrowing.
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