Consider the instance of Nigeria-based Dangote Industries, which manufactures commodities in large volumes, and has made founder Aliko Dangote Africa’s richest person. Dangote has built a shock-proof manufacturing mannequin via vertical integration of the provision chain, on-site power generation, strong engagement with government, and an inside manufacturing academy. Individual investos constitute a moderately large but considerably declining supply of cash for house mortgage loans. Experienced observers claim that these lenders choose shorter-term obligations and normally prohibit their loans to less than two-thirds of the value of the residential property. Likewise, constructing contractors sometimes accept second mortgages in partial fee of the construction worth of a home if the purchaser is unable to boost the entire amount of the down payment above the primary mortgage money offered.