Credit Isn't The Problem... Misusing It Is ft. Demi Ariyo | Episode 4

Welcome to Season 2, Episode 4 of the Faith & Finance Podcast by the Pentecostal Community Bank. Hosted by Brenda Emmanus OBE, this episode features Demi Ariyo, entrepreneur, finance professional, and founder of Lendoe, a business finance platform helping underserved entrepreneurs access the capital they need to grow. "Credit isn't the problem... misusing it is." In this episode, Demi shares his journey from helping his parents with their businesses as a child to working in corporate finance and building a lending business focused on improving access to finance for entrepreneurs and underserved communities. He explains why many businesses struggle to access capital, how cultural attitudes towards debt can limit opportunity, and why understanding credit is essential for building sustainable wealth. Demi also discusses entrepreneurship, stewardship, faith, investing, and the importance of thinking long-term when making financial decisions. From investing in stocks at a young age to helping churches and businesses access funding, this conversation explores the relationship between money, opportunity, responsibility and purpose. This is a practical and thought-provoking discussion about borrowing, building wealth, financial discipline and trusting God with the vision you have been given. Stay connected with us: https://pcbank.co.uk/   / pentecostalcommunitybank     / pentecostalcommunitybank   Connect with Demi Ariyo:   / wearelendoe   https://www.lendoe.com/ Demi's LinkedIn:   / demi-ariyo-119548b7   Chapters 00:00 – Growing up around entrepreneurship 03:00 – First experiences with investing and finance 06:30 – From stocks and Forex to corporate finance 10:00 – Access to capital in Africa and underserved communities 15:00 – Why many entrepreneurs struggle to raise finance 19:00 – Cultural attitudes towards debt and borrowing 24:00 – The vision behind Lendoe 29:00 – How a church fundraising challenge inspired a business 34:00 – Faith, stewardship and thinking long-term 39:00 – Credit: liability or leverage? 43:00 – Financial advice for entrepreneurs and families #FaithAndFinance #Credit #Debt #Entrepreneurship #FinancialLiteracy #BusinessFinance #WealthBuilding #MoneyMindset #FaithInBusiness