You are not confused because you are weak. You are confused because you are carrying two pressures at once:
survival pressure (bills, weekly repayment, low customer flow)
identity pressure (your career suddenly slowing down after years of consistency)
Those two together make decision-making difficult.
From what you explained, the biggest issue is not whether tricycle business is good or bad. The biggest issue is your cash flow stability.
A cooperative loan with ₦83k weekly repayment is aggressive. That is roughly:
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About ₦332k monthly repayment pressure.
That means whatever you do with the ₦2m must start generating cash flow almost immediately. That changes the kind of decision you should make.
My assessment of your two options
1. Putting the money fully into fashion now
I would be careful here.
Not because fashion is bad — you already have skill, experience, and industry knowledge. But because your business is currently in a weak demand phase.
Important distinction:
A business can be good long-term
but still be weak short-term
Right now:
customer flow is unstable
you are already struggling with contribution payments
opening a shop adds rent, furnishing, branding, electricity, equipment, transport, and operational pressure
So if you take the full ₦2m and rebrand immediately, there is risk that:
the shop looks good
but customer volume still remains low for months
And then the weekly cooperative deduction becomes dangerous.
A beautiful shop without steady clients can become a financial trap.
2. Tricycle business
This option makes more sense from a survival and cash-flow perspective.
Especially because:
you already understand roads and transportation
you are willing to hustle
transport demand in Nigeria is daily demand
tricycles generate active cash flow faster than most small businesses
But there are two versions of this plan:
A. Hire purchase to another rider
Pros:
less stress
passive structure
keeps your time available
Cons:
riders can damage vehicle
daily remittance problems
repairs can swallow profit
some riders disappear or default
B. You drive it yourself initially
Pros:
highest earning potential
no rider theft/default risk
faster loan repayment
you learn the business deeply
Cons:
physically stressful
emotionally uncomfortable initially
society may judge
But I will tell you something practical:
In Nigeria today, cash flow has more dignity than appearances.
A lot of people quietly respect anybody who legitimately hustles and feeds their family.
The shame usually disappears once money starts entering steadily.
And honestly, many business owners started by personally operating what later became fleets.
What I would advise strategically
Not all ₦2m should enter one thing immediately.
Your problem right now is uncertainty, not lack of potential.
So preserve flexibility.
A balanced structure may be safer
Something like:
₦1.1m–₦1.3m → tricycle/business transport
₦300k–₦500k → emergency buffer
₦200k–₦400k → gradual fashion reactivation/rebranding
Why?
Because:
the tricycle can stabilize income
the emergency buffer protects you from repayment shocks
fashion remains alive instead of abandoned
You do not need to “quit” fashion emotionally because business is slow right now.
Many industries are experiencing reduced consumer spending. People are prioritizing food, school fees, rent, and transport before fashion. That affects even skilled designers.
This may be a season problem, not a talent problem.
About opening a shop again
I would not rush into expensive rent immediately.
Instead:
operate lean
rebuild clientele gradually
focus heavily on social media visibility and referrals
possibly use a smaller shared/workspace setup first
Because your biggest need now is:
income stability
emotional recovery
reduced financial pressure
Not prestige.
One thing I think you should avoid
Avoid using the full ₦2m for:
luxury shop setup
expensive branding
heavy interior decoration
buying too much equipment immediately
In difficult economies, survival businesses outperform image businesses.
About your depression and idleness
You sound like someone who is naturally industrious. So inactivity is hitting you mentally.
That is important.
Sometimes movement itself restores confidence.
Even if you start by driving the tricycle yourself temporarily, the psychological effect of:
waking up with purpose
generating daily income
interacting with people
solving immediate bills
can stabilize your thinking again.
My strongest caution
Do not calculate based on “best-case income.”
Calculate based on:
fuel
repairs
slow weeks
police/task-force issues
repayment pressure
family expenses
If after realistic calculation the numbers are still safe, then proceed.
My practical recommendation
If this were a purely financial-risk decision, I would lean toward:
Use transport/tricycle business to stabilize cash flow first
Keep fashion alive in a lean form from home
Delay full shop rebranding until income becomes predictable again
Build emergency reserves before scaling
That approach reduces the probability of total financial strain while still protecting your long-term career identity as a fashion designer.