A young Yoruba man walks into a bank in New York City and asks for the loan officer.
He tells the loan officer that he is going to Lagos on a vacation, for two weeks, and needs to borrow $5,000. The bank oficer tells him that the bank will need some form of security for the loan, so the Yoruba man hands over the keys to a brand new BMW 6 series. The car is parked in the street in front of the bank. the Yoruba man produces all that is required and all is in order.
The loan officer agrees to accept the car as a collateral for the loan. The bank's president all and all his officers all enjoy a good laugh at the Yoruba man, for using a $80,000 BMW as a collateral against a $5,000 loan. An employee of the bank then drives the BMW into the bank,s underground garage and parks it there.
Two weeks later, the Yoruba man returns, repays the $5,000 and the interest which comes to $15.41. The loan officer says "Sir, we are very happy to have had your business, and this transaction has worked out very nicely, but we are a little puzzled. While you were away, we checked you out and found that you are a succesful business man. What puzzles us is why you would bother to borrow $5000?"
The Yoruba man replies : "Where else in New York can I park my car for two weeks, and pay only $15.41 and expect it to be there when I return? "
The bank employees watch as he pulls out of the garage, windows down and sunroof open. Juju music blasting from his car, as he drives off.
SOURCE : Olalekan Shittu