The Film series 'E Go Better' was designed as an educative tool to enhance financial literacy among existing and potential clients of Microfinance Banks. The series is suited for screenings at workshops and trainings. The educative value of such screenings can be enhanced by discussions and Q&A sessions in-between the episodes. The Message Booklet contains suggestions and guidelines on how the educative messages of each episode can be highlighted effectively during these group discussions.

1. How to use E Go Better as an Educative
Tool to enhance Financial Literacy
Message Booklet

2. 2
The Message Booklet
Introduction
TheFilmseries'EGoBetter'wasdesignedasaneducativetooltoenhancefinancial
literacy among existing and potential clients of Microfinance Banks. The series
is suited for screenings at workshops and trainings. The educative value of such
screenings can be enhanced by discussions and Q&A sessions in-between the
episodes. The Message Booklet contains suggestions and guidelines on how the
educative messages of each episode can be highlighted effectively during these
group discussions.
Main Characters -The Farm Group
Mangai Undu
Plang Musa
Apart from farming Mangai also works as
a carpenter. He is in love with Azizah, the
chief's daughter. He is convinced that he has
to improve his financial situation before the
Chief will give him any chance with the girl.
Actedby:SamuelKunkurBature
Undu has a small cloth shop. She likes the
sunnysideoflife.Aftershelearnsabout'Power
Finance', a place where people triple their
money within a few months, her life changes
drastically.
Actedby:DeborahDaniels
PlangisMusa'swife.Apartfromhelpingatthe
farm she also owns a small place where she
sells food. She likes to experiment with new
recipes. Currently she works on the perfect
recipe for potato cake.
Actedby:NiriPatienceDang
Musa is Mangai's uncle. He is a true farmer
and very skeptical of any kind of financial
institutions. It is important for him to be
treated fair and with respect.
Actedby:ZumjiThomasDangana

3. 3
The Message Booklet
Messages and Objectives:
• Introduction of major characters and plot
• Introduction of a potentially profitable investment idea for farmers
(storehouse)
Suggested Questions:
The first episode does not contain any technical information on Microfinance, but
the group could be warmed up with a Q&A session on the issue of the storehouse.
• Why do the farmers have to sell their potatoes at such a low price?
A:Becauseitispeakseasonandtherearetoomanypotatoesinthe
market.
• What kind of invention does Mangai come across which could help the whole
group to make more money at the market?
A:Thestorehouse
• For how long can the potatoes be stored safely in the storehouse?
A:Sixmonths
• How can the group make money from the storehouse?
A:Thefarmerscanstoretheirpotatoesuntilthemarketpricerises
andsellatabetterprice.
Episode 1
Oga’s Price

4. 4
The Message Booklet
Episode 2
Money dey Talk
Messages and Objectives of the Episode:
• Savings and loans go hand in hand. In order to access a loan you first need to
have a savings account.
• Explanation of collateral
• In Microfinance there is no collateral, instead the bank needs to establish a
relationship with their clients and assess their ability to re-pay a loan.
• Differentiation between ordinary Microfinance Institutions and proper
Microfinance Banks
• NDIC sticker as an orientation to identify regulated Microfinance Banks
• There are accessible places which render financial services especially
designed for people with low income
• Introduction to the practices ofWonder Banks
Suggested Questions:
• What is a collateral?
A:Somethingofgreatvaluewhichservesasaprotectionforthebankin
casetheborrowerdoesnotrepaytheloan.Thevaluehastobeenoughto
covertheloanamountplusinterest.

5. 5
The Message Booklet
• Do you need a collateral to access a Microfinance loan?
A:No
• What does the Microfinance Bank need instead of the collateral?
A:Itneedstoestablisharelationshipwiththeclientandneedstobeableto
trustpersonalityandbusinessideaoftheclient.
• What is the very first step you need to take in a Microfinance Bank, before
you can start to think about a loan?
A:Asavingsaccount-youneedtobeaclientofthatbank.
• What are the minimal requirements after you have opened a savings
account, before a Microfinance Bank can trust you with a loan?
A:Youneedtobearegularclientforacertainamountoftimewhichmeans
thatyouneedtobringinyoursavingsregularlyandconsistently.Also,you
needtosaveupacertainamountofyourrequestedloan.
• What are the specific minimal requirements in the example of the film? How
much of the loan amount of 200.000 NGN does the group have to save and
how long do they have to be with the bank?
A:Theyhavetosave10%or20.000NGNoveratimeperiodofthree
months.
• Apart from the administrative requirements, you need to convince the bank
of something before they are going to be willing to give out their money to
you - what is that?
A:Yourbusinessidea,youneedtoconvincethebankofthefactthatyou
aregoingtoinvestthemoneyintosomethingprofitable.
• What is the major difference between usual Microfinance Institutions and
actual Microfinance Banks?
A:MicrofinanceBanksareregulatedbytheCentralBankofNigeriaand
havetheirsavingsinsuredbyNDIC.

6. 6
The Message Booklet
Suggested DiscussionTopic:
Why do you think Microfinance Banks want to know everything about your
investment and why do they have all these requirements like the waiting period
and the minimal savings before they give out a loan?
Keyaspects:Absenceofacollateralcreatestheneedforalternativesecurity
againstthedefaultoftheborrower;thebankneedstobesurethatyour
proposalisviable;acloserelationshipbetweenclientandbankisabasic
requirementforMicrofinance.
Additional Characters
Loan Officer Martins is the major source of
information on Microfinance. He assesses
the individual businesses of the group, gives
adviseonfinancialmanagementandpatiently
explains everything the group wants to know
about banking.
Actedby:OnwukaGentileKingsley
Mr. Williams is introduced to the community
as a man with vision. He recently opened a
financial institution called 'Power Finance'.
The services he offers seem almost too sweet
to be true - but the Pastor himself testifies for
his reliability.
Actedby:AlfredBakerMgebejume
Azizah is Chief Alhaji's daughter. Mangai is in
lovewithher.Herfatherprotectsherverywell
and it seems there are no real chances for the
young farmer to even get close enough to tell
her about his feelings.
Actedby: BlessingLekshakDenan
Chief Alhaji is respected as a smart business
man and traditional leader. The whole
community impatiently awaits the marriage
cermony for his second wife Rashida.
Actedby: BalaBamaiyi
Martins Williams
Azizah Alhaji

7. 7
The Message Booklet
Episode 3
Make we Gather
Messages and Objectives:
• Introducing an income and expenditure calculation
• Microfinance Banks are non-charitable organizations, you have to repay your
loan with interest.
• Calculation of the cost of a loan: A loan is not cheap, use it wisely!
• Make sure you understand the price of your loan. Don’t be shy to ask for
further explanation and clarification, if needed.
• After you have gone through the process to show your financial credibility,
you are rewarded with the trust of the bank and access to cash.
• It is good to share responsibility - form a group and take a collective loan.
Suggested Questions:
• Are Musa and the other farmers taking the loan individually or as a group?
A:group
• What is Musa’s group doing in order to make sure everybody is taking up
the necessary responsibilities like e.g. the regular payments of the loan
instalments?
A:Theyformalizeintoagroup,adoptby-lawswithcommonrulesforall
membersandelectofficialsforcertaintasks.

8. 8
The Message Booklet
• What do you need to do if you want to get a clear picture of your regular
income?
A:incomeandexpenditurecalculation
• So how can you do this income and expenditure calculation?
A:Youneedtonotedowneverydayhowmuchyouhavespentand
howmuchyouhaveearnedfromyourbusiness.Yousubtractthe
expenditurefromtheincomeandnotethesumasyourdailycashflow
(profitorloss).
• What is the main advantage, if you have a clear picture of your regular
income?
A:Knowledgeabouttheprofitabilityofyourbusinesswillhelpyouto
planaheadforfutureinvestments.Itwillalsohelpyoutoknowwhatkind
ofloansettlementsyoucanafford.
• When you repay a loan, are you going to give the bank more or less money
than what you received?
A:significantlymore
• How much money is Musa’s group receiving and how much do they have to
pay back including all charges?
A:Theyreceive200.000NGNandhavetopaybackalmost250.000NGN.
• Why does Mangai tell Musa they should still go ahead with the loan, even
though they are charged a total of 50.000 NGN for their loan?
A:HetellsMusa,thattheywillbeabletomakemoremoneywiththe
storehouseafterafewharvests.So,iftheydon’tbuildthestorehouse,they
willactuallylosemoremoneyatthemarket.
Throughout the film series animations illustrate the major messages and visualize the
loan calculation.

9. 9
The Message Booklet
Suggested DiscussionTopics:
Why do you think the bank is charging a relatively high amount?
Keyaspects:MicrofinanceBanksarebusinessventuresandhavetomake
profit;comparedtocommercialbankstheyarefacedwithhigher
administrativecostsinthedaytodaydealingswithloangroups;the
bankhastomanagerisks,managingtheserisksinvolvescostswhich
needtobecoveredbyreturns.
What are the pros and cons of taking a group loan?
Keyaspects:Asagroupyoucanapplyforhigherloansandthe
responsibilityisdistributedonmoreshoulders;youdon’tstandaloneinthe
financialstruggle;inagroupyouneedtocreatebindingrules,which
everyonehastorespect;withinthegroupyouhavetobeabletotrustone
another.
Loan Officer Martins explains the income expenditure calculation with patience to all
members of the loan group. He is impressed by the fast successes of the group.

10. 10
The Message Booklet
Episode 4
Awoof Dey Run...
Messages and Objectives:
• To achieve a dream or a financial goal you need to set priorities and use your
money productively.
• Be aware ofWonder Banks!!
• Avoid having to ask other people for money.
• Responsible money management can spare you and your family many
troubles in life.
Suggested Questions:
• Why did Mangai change his decision to interfere as he saw Azizah dancing
with another man and he returned the money into his pocket?
A:Heknewheneededthemoneytopaybacktheupcomingloan
instalmentforthestorehouse.Aflashbackoftheladyatthemarket
remindedhim,thattoachievehisdreams,hewouldhavetogothrough
toughtimes.
• What did Chief Alhaji say about the storehouse?
A:Hesaid,itwasagreatideatoachieveabettermarketvaluenotonlyfor
potatoesbutforothercropsaswellanditcouldreallydevelopthe
community.

11. 11
The Message Booklet
• Why did Undu have to go and ask Alhaji’s wife Rashida for money?
A:BecauseshelostallhermoneytotheWonderBank‘PowerFinance’and
can’tpayforthemedicineofherchild.
• What was it that attracted Undu so much to Power Finance?
A:Thehighinterestrateortheprospecttomakehighandquickprofits
Suggested DiscussionTopics:
What do you think about the idea of the storehouse? Is it a good investment idea
or not?
Keyaspects:Thecostsforastorehousearenottoohighandthefluctuation
ofpricesisverystrong,whichcreatestheopportunitytoincreasethe
income;butitwilltakesometimebeforethecostsofthestorehouseare
regained.
What different approaches did you observe between Undu and Mangai in the
way they handle their money?
Keyaspects:Unduwantstogainfastandlikestospendonnewclothes
andshinythings,Mangaiplansoveralongperiodoftime,pursues
acleargoalandresiststemptations.
Wonder Banks: Have you come across one before? How are they operating?
What makes them so attractive?Why are they dangerous? How can you protect
yourself against them?

12. 12
The Message Booklet
Episode 5
An August Visitor
Messages and Objectives:
• Explanation of interest
• Function of the National Deposit Insurance Corporation (NDIC)
• Be aware of the penalties if you do not pay back your loan on time.These
penalties will further increase the cost of your loan.
• A successful loan re-payment gives you better access to new loans, can
increase the loan amount and decrease the costs.
• Once again: Be aware ofWonder Banks!
Suggested Questions:
• What did pastor Raymond say about the strategies of Power Finance?Why
did he initially invite people to join theWonder Bank?
A:AcommonstrategyofWonderBanksistouseprominentcommunity
memberslikepastors,traditionalleadersorimamstoadvertiseforthe
bank.Theywillactuallypayoutgoodprofitstotheseclientsinordertolure
morepeopleintothescam.
• What does Mangai say would happen if the group was not able to pay their
loan instalment in time?
A:Thegroupwouldbeconfrontedwithpenaltychargesandanyfuture
cooperationwiththebankwouldbedamaged

13. 13
The Message Booklet
• What is Ms Gloria offering Musa and Mangai after the group has re-payed all
their instalments in time?
A:Shesaid(one)thebankwillbemoreinclinedtopayoutasecondloan,
(two)therewouldbenomorewaitingperiod,(three)thegroupcouldapply
forahigherloan,(four)thechargesoftheloancanbereduced
• What service is NDIC offering to the clients of Microfinance Banks?
A:NDICinsuresthedepositsofallclientsupto200.000NGN
• There are two groups in a Microfinance Bank: Group A has saved 150.000
NGN and Group B 220.000 NGN.The bank collapses and NDIC comes to
compensate the groups. How much does Group A receive and how much
Group B?
A:GroupA:150.000NGN;GroupB:200.000NGN
Suggested DiscussionTopic:
Why do you think it is important to pay back loan instalments on time?
Keyaspects:Otherwiseanyoptionsforfutureloansareheavilyreduced;if
thebankdoesn'tgetbackthemoneyitcan’tpayoutloanstoother
groups;agoodcooperationbetweenbankandclientbringsbenefitsfor
both.
Undu is seeking advice from God after she lost all her money to the
Wonder Bank 'Power Finance'.

14. 14
The Message Booklet
Episode 6
Hamma
Messages and Objectives:
• Set financial goals and try to achieve them step by step.
• Invest wisely and innovatively.
• Saving money is an essential step to achieve your financial goals.
• A well planned loan is a powerful catapult for your business idea.
• If you work hard for a dream, even the most unbelievable ones can come
true - Microfinance could help you along the way.
A mysterious lady at the market gave Mangai the hint for the storehouse, she also
offers him an amulet that could help Mangai in his approaches towards Azizah.

15. 15
The Message Booklet
Credits
Mangai
Loan Officer Martins
Sista Undu
Uncle Musa
Aunty Plang
Chief Alhaji Bello
Pastor
Ms. Gloria
Wonder BankWilliams
Mysterious MarketWoman
Azizah
Rashida (Alhaji’s 2ndWife)
Samuel Kunkur Bature
Onwuka Gentile Kingsley C.
Deborah Daniel
ZumjiThomas Dangana
Niri Patience Dang
Bala Bamaiyi
Dan Fidelis Assam
Johnson Chinyere
Alfred Baker Mgbejume
Queen Kwashi
Blessing Lekshak Denan
Peace Nancy
Script/ Director/ Film Editor/ Producer
Script/ Production Manager/ Ass. Producer
Camera/ Light
Animation
Script/ Production Ass.
Music
Co-Scriptwriter for Educational Messages
Project Coordination GIZ Nigeria
Project Coordination GIZ/EU Plateau Project
Pre-Production and Script Support
Steffen Ulrich
Sylvia Hoster
Martins Gumut
Florence Lot
Abel Dassah
Stella Dimlong
Johannes Preuss
Maryam Nafit Shehu Imogie
George Joel
Jibril Mailafia
Ibrahim B. Zubairu
Oluwatosin Falusi
Major Cast
Production Crew
Project Support
Produced by
j.f.p. films & LOL Studios
‘E Go Better-The MicrofinanceWay’by the GIZ-SEDIN
Programme is licensed under a Creative Commons
Attribution-ShareAlike 4.0 International License.
Nigeria, 2014

16. This project is funded by Implemented by
In Cooperation with the
GIZ-SEDIN Programme
“This publication has been produced with the assistance of the European Union. The
contents of this publication are the sole responsibility of j.f.p films and can in no way
be taken to reflect the views of the European Union.”
The European Union
1st Edition
March, 2014
Jos, Plateau State, Nigeria
j.f.p. films
Kufsteiner Str. 7
10825 Berlin
jf.preuss@gmail.com
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