Baami says he took out a loan and added his savings to help his girlfriend start a business. Source: InstagramHe said his motivation was straightforward: "I genuinely loved her and wanted to support her." The loan came with a short repayment window, and when Baami missed the deadline, the interest compounded at a rate he had not anticipated. "Eventually, a loan of about N30,000 grew to more than N300,000," he said. Baami says that the financial crisis left him unable to function for nearly four months.