I am a Nigerian and I know how Nigerians behave. And as at 2011, the value of N100k was very high that it could buy you a plot of land in some mini cities. There is no how you will invest N100k by then as a Nigerian and became care free about it.

By that time you mentioned, it is only a few people that could invest more than N10k in an online business they consider a ponzi scheme.  I am sorry, I do not believe your story.