الوضع النقدي

Chidinma sells bags of rice and beans at Mile 12 market, and by six in the evening she counts what is in her cash box, adds the little balance on her POS wallet, and that number tells her the truth about her day, not the goods still sitting on her shelf or the money three customers still owe her.

That number Chidinma just counted is her cash position, and every business, from her small stall to a bank in Lagos or a company listed in London, checks the same thing, just at a bigger scale.

Cash position is simply how much cash and cash equivalents a business has available at a given moment, meaning actual money in the bank, in tills, or in short term investments that can be turned into cash almost immediately, not stock, not debts owed to it, not property.

A company can look wealthy on paper, with warehouses full of goods and clients who owe millions, and still struggle badly if its cash position is weak, because salaries, rent, and suppliers do not accept promises, they want cash.

This is why a UK based accountant checking her firm's books each Friday cares less about total assets and more about the cash position, because that figure decides whether payroll clears on Monday.

For someone abroad sending money home every month, think of your own cash position as what is left in your account after rent and bills, before that ₦150,000 transfer to your mother, because that leftover figure is what actually funds real decisions, not your total salary.