The article discusses why businesses in Nigeria sometimes fail to repay their bank loans, causing problems for both the banks and the economy. The researchers surveyed loan officers and others in banks to understand the reasons behind loan defaults. They found that environmental factors, bank-specific issues, and borrower-specific issues all play a role in loan defaults. The banks are taking steps to reduce loan defaults, and these efforts have been somewhat successful in lowering the number of loans that are not repaid.