Category: Special Report

  • Nigeria’s death row dilemma: Crushing cost of indecision

    Nigeria’s death row dilemma: Crushing cost of indecision

    While some countries have abandoned the death penalty as punishment for certain offences, Nigeria has remained undecided on the issue, with governors increasingly reluctant to sign death warrants – a development that comes with grave costs to convicts and the states, writes Assistant Editor ERIC IKHILAE.

    A man convicted of murder sits in a narrow cell, counting days that never end.

    The law says he should be hanged.

    The courts have spoken, finally. Yet years pass, governors hesitate, and the rope never comes.

    Across Nigeria’s prisons, thousands of condemned inmates exist in this limbo, suspended between life and death by political caution and legal ambivalence.

    Their sentences are neither carried out nor lifted; instead, they wait – forgotten, restless, and costly to the state.

    Nigeria retains the death penalty on its statute books, pronouncing it in open court with grim finality. Judges pass the ultimate sentence, citing the Constitution and criminal codes.

    But when the time comes to enforce those judgments, state governors step back, unwilling to sign death warrants or commute sentences.

    The result is a silent crisis: overcrowded prisons, broken justice timelines, psychological torment for inmates, and a system accused of cruelty through indecision.

    From high-profile cases like Reverend King and Maryam Sanda to lesser-known convicts across the country, the pattern is the same. Courts condemn. Appeals end. Executions stall.

    What remains is a swelling death row population and a country unsure whether it believes in capital punishment or merely pretends to.

    As Nigeria debates morality, politics and human rights, the cost of hesitation grows, paid in overcrowded cells, strained public funds, and lives trapped in perpetual uncertainty.

    The Supreme Court, in affirming the death sentence for murder handed to General Overseer of the Lagos-based Christian Praying Assembly, Chukwuemeka Ezeugo (a.k.a. Reverend King) by two lower courts, noted the grievous nature of the convict’s conduct.

    In the lead judgment of the unanimous decision of a five-man panel delivered in February 2016, Justice Sylvester Ngwuta observed that the facts of the case were akin to scenes from horror movies, stating: “The facts of the case could have been lifted from a horror film.”

    Ezeugo was first convicted by the High Court of Lagos State on January 11, 2007, and sentenced to various prison terms, including death by hanging, on a six-count charge of attempted murder and murder.

    He was found guilty of setting ablaze six members of his church in 2006. One of the victims, Ann Uzoh, later died from the effects of the fire.

    The Court of Appeal, Lagos Division, affirmed the judgment of the High Court in a decision delivered on February 1, 2013.

    Ezeugo has since remained on death row in one of the nation’s correctional facilities.

    Similarly, in its judgment of December 12, 2025, the apex court noted that an Abuja-based housewife, Maryam Sanda, acted deliberately when she killed her husband.

    In the lead majority judgment of a four-to-one split decision, Justice Moore Adumein noted the concurrent findings of the two lower courts that the deceased was intentionally killed by the appellant (Sanda), who had a premeditated plan to murder him.

    Sanda was convicted and sentenced to death by hanging by a High Court of the Federal Capital Territory (FCT) in a judgment delivered on January 27, 2020, for killing her husband, Bilyaminu Bello, during a domestic dispute.

    The decision was upheld by the Court of Appeal, Abuja Division, in a judgment delivered on December 4, 2020.

    Sanda has been on death row since the initial conviction by the trial court.

    A High Court of Nasarawa State, sitting in Lafia, on June 26 convicted and sentenced Oluwatimileyin Ajayi to death by hanging for the gruesome murder of a National Youth Service Corps member, Salome Adaidu, whom he claimed was his girlfriend.

    Justice Simon Aboki, in his judgment, found Ajayi guilty of culpable homicide for killing and dismembering the victim.

    Justice Aboki held that the prosecution proved its case beyond a reasonable doubt that the convict killed the victim at his residence.

    Ajayi is currently on death row.

    An Ogun State High Court sitting in Kobape, Abeokuta, on February 3, 2025, sentenced three men – Lekan Adekanbi, Ahmed Odetola, and Waheed Adeniyi – to death by hanging for the murder of Kehinde Fatinoye, his wife Bukola Fatinoye, and their son, Oreoluwa, on January 1, 2023.

    The couple was attacked at their Ibara GRA residence shortly after returning from a crossover service at their church.

    Led by their driver, Adekanbi, the convicts invaded the deceased’s home at about 2 a.m., killing them before setting the house and their bodies on fire.

    The convicts also tied up their son, Oreoluwa, and an adopted son before throwing them into the Ogun River.

    What binds these four cases is that the courts found that all the convicts committed heinous offences for which they were to die by hanging, as provided under the Penal Code and the Criminal Code.

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    The death penalty is also sanctioned under Section 33 of the Constitution.

    The difference, however, lies in the fact that Ajayi, Adekanbi, Odetola, and Adeniyi are yet to exhaust their rights of appeal to the apex court, should they choose to do so.

    By contrast, Ezeugo and Sanda have fully exhausted their rights of appeal, thereby paving the way for the relevant authorities to execute the judgments directing that they be put to death by hanging.

    However, since culpable homicide and related offences are state crimes, the duty of implementing such judgments rests with state governors.

    Unfortunately, the recent trend has been that governors, who swore to uphold the Constitution and obey the laws of the land, have become reluctant or unwilling to sign death warrants or take other necessary steps in respect of death row inmates.

    Exemption from death penalty provisions

    Nigeria’s laws provide certain exceptions to the application of the death penalty.

    These include cases involving pregnant women and young persons.

    The law provides that where a pregnant woman is convicted of a capital offence, a sentence of death shall not be passed on her; rather, she may be sentenced to life imprisonment.

    This provision is intended to prevent the unborn child from suffering punishment for the offence of the mother.

    Under the Children and Young Persons Act 1994, a young person is defined as a person who has attained the age of 14 years and is under 18 years.

    Where such a person is convicted of an offence punishable by death, the law provides that the death sentence shall not be pronounced or recorded; instead, the convict shall be detained at the pleasure of the President or the Governor, as the case may be.

    The Supreme Court has, however, rejected attempts to extend this protection to nursing mothers.

    The apex court made this distinction in its recent decision in the Sanda case.

    Her lawyer had argued, among others, that Section 221 of the Child Rights Act, 2003 precludes a trial court from sentencing a nursing mother to death if she was nursing at the time of conviction and sentencing.

    Justice Adumein rejected the argument, holding that “the principal intendment of the Child Rights Act, 2003 is the protection of the rights of the Nigerian child.”

    He stated that it was “clearly not the intention of the lawmakers that the Act be used as a legal shield preventing an expectant or nursing mother from criminal prosecution or criminal liability.”

    He further held that “any purported non-compliance with Section 221(2) of the Act cannot be a tool for exculpating a Nigerian mother from the consequences of committing serious offences such as armed robbery, culpable homicide punishable with death or murder.”

    The state of death row inmates

    According to data from the Nigerian Correctional Service (NCoS), 3,688 inmates were on death row across the country as of March 2025.

    The Comptroller-General of the NCoS, Sylvester Nwakuche, disclosed this while appearing before the Senate on March 13, 2025.

    He said the figure rose from 3,590 in September 2024 to 3,688 in March 2025, contributing significantly to prison congestion.

    Nwakuche blamed the situation on governors’ failure to act.

    He said: “State governors are part of our challenges. They refuse to execute inmates on death row, and they also refuse to commute death sentences to life imprisonment.”

    He added that commuting the sentences would allow the redistribution of inmates to less congested rural facilities.

    The last execution in Nigeria occurred in 2016, when three men were hanged for murder and armed robbery during the tenure of former Edo State Governor Adams Oshiomhole.

    Despite criticisms, Oshiomhole defended his action as fulfilling his constitutional duty.

    He said: “The day I was sworn in, I subscribed to obey the Constitution of the Federal Republic of Nigeria.”

    Since then, while courts continue to impose death sentences, governors’ refusal to sign death warrants has resulted in a de facto moratorium.

    Argument against death row

    The debate over the retention or abolition of the death penalty has persisted for decades.

    Opponents argue that executing offenders amounts to multiplying sorrow in society, as homicide creates loss, while execution compounds it.

    Unlike countries that have abolished the death penalty, Nigeria remains ambivalent—retaining the law while refusing to enforce it.

    Is the country confused?

    Nigeria’s indecision is evident in conflicting positions between the Federal Government and the states.

    While some states prescribe death for kidnapping, the Federal Government has opposed capital punishment for such offences.

    Attorney-General of the Federation, Lateef Fagbemi (SAN), voted against capital punishment for kidnapping during a Senate hearing.

    He warned of a “martyrdom effect” and international consequences, noting that Nigeria’s counterterrorism cooperation could be weakened.

    He added: “Our problem is not that punishments are not severe enough. It is that arrests are uncertain, investigations are weak, and prosecutions are slow.”

    Costs of Nigeria’s ambivalence

    NCoS spokesman Umar Abubakar said prolonged death row incarceration poses psychological and management challenges.

    Former FCT Chief Judge, Justice Ishaq Bello, warned that governors’ inaction indirectly encourages crime.

    Lawyer James Barkou described prolonged death row incarceration as double jeopardy, arguing that it violates inmates’ constitutional rights.

    Governors’ action as abdication

    According to law experts, the continued refusal by state governors to execute death penalty judgments, while the provision remains part of the nation’s laws, amounts to an abdication of their responsibility under the law.

    President of the Centre for Socio-Legal Studies (CSLS), Professor Yemi Akinseye-George (SAN), said it amounts to abdication of responsibility where governors fail to implement a judgment prescribing a death sentence.

    For Musibau Adetunbi (SAN), keeping convicted persons perpetually on death row was inhuman as it results in mental torture for such a convict.

    He believes it was necessary for governors to either sign their death warrants or convert them to life imprisonment.

    Barkou argued that governors’ refusal to sign death warrants of convicted criminals was unconstitutional and was an attempt to blackmail the judges.

    He noted that by refusing to sign death warrants for those convicted of capital offences, the governors had run against the constitution, which they swore to protect.

    He said: “The refusal or reluctance of governors to sign the death warrant amounts to blackmailing the Judiciary and it is a way of disobeying the Constitution which they have sworn to protect.”

    This position is amplified by Abdullahi Abaoki, an Abuja-based lawyer, who argued that the signing of death warrants by the governors was part of the oath they took while being inaugurated.

    According to Abaoki, by constitutional provision, the governors had committed an impeachable offence by their failure to execute death sentence judgments.

    What option exists?

    According to Adetunbi, the option available to the country, if it remains uncommitted to retaining the death penalty, is for the National Assembly to amend the Constitution to replace the death sentence with life imprisonment, since the governors are unwilling to sign the death warrants.

    Barkou said: “My take is that we must decide between the death sentence and life imprisonment, which should be the maximum penalty for capital offences.”

    He argued that the country could not afford to sit on the fence on the issue, adding: “There should be no middle ground.

    “It is defeatist to create laws that inherently circumvent their own enforcement through detailed technicalities and enforcement reluctance, as we could see with respect to laws concerning the death sentence.”

  • How policy gaps keep Nigeria dependent on petrol imports

    How policy gaps keep Nigeria dependent on petrol imports

    Nigeria’s persistent dependence on imported petrol has become one of the most expensive contradictions in its energy economy. Despite vast crude oil reserves and growing domestic refining capacity, billions of dollars continue to flow abroad each year, draining public finances and foreign exchange. This paradox has intensified scrutiny of regulators and policymakers, with stakeholders demanding decisive reforms that prioritise local refining, restore competitiveness, and finally break the cycle of import dependency, reports Assistant Editor MUYIWA LUCAS

    The call on the country’s newly appointed petroleum sector regulators to make domestic refining and crude oil production top priorities is well founded. For several years, petrol importation has remained a major drain on public finances, costing the government an estimated $18 billion over the past five years alone.

    In setting expectations for the new appointees, stakeholders across the oil and gas industry have been unequivocal in their demand that this trend be reversed, warning that it has become a cankerworm eating deep into the economy. The Chief Executive Officer of the Centre for the Promotion of Private Enterprise, Dr. Muda Yusuf, was particularly forthright, cautioning that failure to decisively address the issue would further entrench Nigeria’s dependence on fuel imports and deepen its economic vulnerabilities. He urged both the Nigerian Midstream and Downstream Petroleum Regulatory Authority (NMDPRA) and the Nigerian Upstream Petroleum Regulatory Commission (NUPRC) to pursue policies that reduce import reliance, expand domestic capacity, and attract sustained investment into the oil and gas sector.

    According to Yusuf, strong and deliberate support for domestic refining must be treated as an immediate and non-negotiable priority in the downstream segment. He argued that government policy should clearly favour locally refined petroleum products through targeted fiscal, regulatory, and infrastructural incentives for both public and private refineries, while actively encouraging new investments in refining capacity. “Nigeria must end the current distortion whereby imported petroleum products are made to compete with locally refined products under unequal regulatory and fiscal conditions. This does not constitute fair competition. Genuine competition only exists when all operators function within the same policy, tax, and regulatory environment,” he noted.

    Yusuf stressed that the argument goes beyond investor protection to the heart of Nigeria’s long-term economic interests. A strong domestic refining base, he said, is fundamental to building a resilient, energy-secure, and economically sovereign nation. It is also critical for job creation, foreign exchange conservation, macroeconomic stability, and the development of export-oriented refining capacity. More importantly, he described domestic refining as a key pathway to backward integration and resource-based industrialisation. By strengthening refineries, Nigeria also reinforces its petrochemical, fertiliser and allied industries, creating broader industrial value chains capable of driving inclusive and sustainable growth.

    These submissions are reinforced by public affairs analyst Mayowa Sodipo, who described it as a “paradox” that Nigeria continues to export crude oil while importing refined petrol. This anomaly, he noted, was precisely what the Dangote Refinery was designed to address by boosting local output and conserving foreign exchange. While he acknowledged that the cost of petrol imports places immense pressure on the country’s foreign reserves, Sodipo also observed that prevailing market realities can, at times, make fuel imports unavoidable. “Although policies such as the Petroleum Industry Act are intended to promote local refining, significant challenges remain in implementation, transparency, and in balancing incentives for domestic production with the demands of market competition,” he said.

    The rising burden of fuel imports

    For several years, the cost of petrol importation has remained a major drain on Nigeria’s resources, particularly its foreign exchange. In the first half of 2025 alone, petrol imports cost the country about N4 trillion, with an additional N1.28 trillion recorded in the third quarter of the year. Data from the National Bureau of Statistics (NBS) show that Nigeria imported N1.76 trillion worth of petrol in the first quarter of 2025. This figure rose sharply to N2.3 trillion in the second quarter, before moderating to N1.28 trillion in the third quarter, bringing total petrol import spending for the first nine months of the year to N5.28 trillion. Figures for the fourth quarter are yet to be released.

    A review of petrol import expenditure over the past four years reveals a persistent and escalating trend. In 2020, Nigeria spent N2.01 trillion on fuel imports. By 2021, this figure had more than doubled, rising by 126.9 per cent to N4.56 trillion amid growing import dependence and global price volatility. The upward trajectory continued in 2022, with costs surging by 69.1 per cent to N7.71 trillion, driven largely by higher international crude prices. Although petrol import spending dipped marginally by 2.6 per cent to N7.51 trillion in 2023, the reprieve was short-lived. In 2024, the figure spiked dramatically by 105.3 per cent to N15.42 trillion—the highest on record—largely reflecting the sharp depreciation of the naira against the US dollar.

    Economists argue that this sustained reliance on petrol imports has continued to undermine the domestic economy. Beyond the pressure it places on foreign exchange reserves, import dependence effectively exports jobs, supporting employment in refining countries while stifling opportunities within Nigeria. This concern is reinforced by an analysis conducted by Statisense, an AI-driven data analytics firm specialising in financial report analysis. The study revealed that in 2023, Nigeria spent approximately $18.7 billion importing petroleum products, including premium motor spirit (PMS), from about 20 countries, several of them within Africa. From just eight African countries, Nigeria spent an estimated $243 million on petroleum imports.

    The data further highlight striking trade imbalances. Petroleum imports from Malta alone surged by $2.03 billion to $2.08 billion in 2023, compared with just $47.5 million in 2013. NBS data show that in the third quarter of 2023, Malta ranked among Nigeria’s top five import sources. During that period, Nigeria imported goods worth $561.37 billion from Malta, with petroleum products accounting for roughly one-third of total imports. Overall, petroleum imports were valued at about $36 trillion in 2023, with petrol accounting for approximately 21 per cent of total imports.

    However, figures from Trade Map, an online trade statistics database managed by the International Trade Centre (ITC)—a joint agency of the United Nations and the World Trade Organisation—present a slightly different picture of import origins. According to the platform, Nigeria’s largest petrol imports in 2023 came from Togo, valued at $109.3 million, and Tunisia, at $104.35 million. Taken together, these statistics underscore Nigeria’s continued dependence on imported fuel, despite ongoing efforts to expand local refining capacity. Analysts attribute this persistence to a combination of supply chain inefficiencies, demand–supply mismatches, and delays in refinery ramp-up, all of which continue to constrain the transition to self-sufficiency.

    Why the preference for importation persists

    Stakeholders in the oil and gas sector argue that Nigeria’s continued preference for petrol importation is rooted in decades of underinvestment, operational inefficiencies, and policy inconsistency within the domestic refining industry. The result has been chronically low local output, compounded by a persistent foreign exchange crisis that, at times, makes imported fuel appear more competitive—even with the entry of the Dangote Refinery. These factors have combined to create a complex mix of market distortions, logistical constraints, and regulatory hurdles that keep the country reliant on foreign supplies, despite long-standing aspirations for self-sufficiency.

    Nigeria’s state-owned refineries, in particular, have consistently underperformed due to poor maintenance regimes and obsolete technology, leaving them unable to meet national demand. In addition, fuel marketers often find it more economical or operationally convenient to source refined products from international markets, especially when domestic production costs, transportation challenges, or supply-chain inefficiencies undermine the competitiveness of locally refined fuel.

    Despite these challenges, Nigeria’s refining landscape has expanded significantly in recent years. The country currently has 30 licensed modular refineries, of which five are operational and producing products such as diesel, kerosene, black oil, and naphtha. About 10 others are at various stages of completion, while the remaining have received licences to establish.

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    Modular refineries are compact, skid-mounted processing plants designed for rapid deployment and lower capital costs. Using simplified refining processes—primarily distillation—they produce essential fuels and offer a flexible, decentralised alternative to large conventional refineries. Their growth is intended to enhance energy security, reduce transportation costs, and bring refining capacity closer to crude oil production sites. The operational modular refineries include Waltersmith Refining and Petrochemical Company (5,000 barrels per day), Aradel Refinery (11,000 bpd), OPAC Refinery (10,000 bpd), Duport Midstream Refinery (2,500 bpd), and Edo Refinery (6,000 bpd).

    On a larger scale, Nigeria’s conventional refineries form the backbone of its historical refining capacity. The Kaduna Refining and Petrochemical Company (KRPC), established in 1980 at a cost of $525 million, was designed to supply petroleum products to Northern Nigeria. Initially built with a capacity of 50,000 bpd, it was expanded in stages to reach a peak capacity of 110,000 bpd by 1986.

    The Old Port Harcourt Refinery, commissioned in 1965 with a capacity of 60,000 bpd, was constructed at a cost of approximately £12 million by Shell BP. While it operated above 50 per cent capacity in its early years, output declined steadily from the 1990s. In March 2021, the Federal Government awarded its rehabilitation contract to Italy’s Tecnimont SPA. By December 2024, the Minister of State for Petroleum Resources, Senator Heineken Lokpobiri, announced the mechanical completion and flare start-up of the facility.

    The New Port Harcourt Refinery, commissioned in 1985 at a cost of $850 million, added 150,000 bpd to national capacity, bringing the combined Port Harcourt refining capacity to 210,000 bpd. Similarly, the Warri Refinery and Petrochemical Company (WRPC), commissioned in 1978, is a complex conversion refinery with a nameplate capacity of 125,000 bpd. The facility includes a petrochemical plant commissioned in 1988, producing polypropylene and carbon black, and supplies markets across southern and southwestern Nigeria.

    Among private operators, Waltersmith Refining and Petrochemical Company in Imo State began operations in 2020 with a capacity of 5,000 bpd and has announced plans to scale up to 50,000 bpd in the coming years. The most significant addition to Nigeria’s refining capacity is the Dangote Refinery, a 650,000-bpd integrated facility located in the Lekki Free Zone, Lagos. Built at a cost of about $20 billion, the refinery was commissioned in May 2023. Crude processing began in December 2023, with refined products supplied to domestic and international markets from May 2024.

    Other notable projects include the Azikel Refinery, a 12,000-bpd modular hydro-skimming refinery under development in Yenagoa, Bayelsa State, designed to process Bonny Light crude and Gbarain condensate. The Ogbele Refinery, which started operations in 2012 as a 1,000-bpd topping plant, has since expanded into an 11,000-bpd, three-train facility producing diesel, kerosene, naphtha, and fuel oil. The Edo Refinery and Petrochemical Company, owned by AIPCC Energy, operates in two phases with capacities of 1,000 bpd and 5,000 bpd, and plans a further expansion to 12,000 bpd. Additional modular refineries include Duport Midstream in Edo State, OPAC Refinery in Delta State, and the Aradel modular refinery in the Niger Delta, which produces a range of middle distillates and fuel oils.

    The rehabilitation of state-owned refineries and the completion of the Dangote Refinery were widely expected to usher in an era of fuel self-sufficiency and significantly reduce Nigeria’s dependence on imported petroleum products. However, despite these developments, large volumes of refined fuel continue to be imported.

    Industry experts attribute this gap between capacity and reality to persistent operational challenges, delayed ramp-up schedules, pricing dynamics, and regulatory constraints. Nonetheless, stakeholders maintain that Nigeria’s expanding refining infrastructure remains critical to achieving long-term energy security. With a growing mix of modular, conventional, and large-scale private refineries, analysts argue that Nigeria is structurally positioned to evolve into a global refining hub—capable not only of meeting domestic demand but also of supplying refined petroleum products to regional and international markets, provided policy coherence and operational efficiency are sustained.

    Private investment and profitability constraints

    Investor reluctance to commit capital to refining is closely linked to the industry’s narrow profit margins. Refining is a capital-intensive, high-risk business that typically delivers low margins, except during brief periods of favourable market conditions. Returns are cyclical and heavily influenced by global crude prices, exchange rates, and supply disruptions, making refining a complex and uncertain investment proposition. Africa’s richest man and President of Dangote Group, Aliko Dangote, has publicly acknowledged this reality. Speaking during a recent media tour of the Dangote Refinery, he described refining as a low-return venture compared to other global investments. “There is a very low margin as profit on refining business. In fact, if I had invested the amount spent on this refinery on Google, I would have made twice the investment. There is very little money in refining,” Dangote said.

    For modular refineries—often described as a critical bridge toward energy self-sufficiency—the profitability challenge is even more pronounced. Many modular refiners are still awaiting their first crude oil allocations, despite the Nigerian National Petroleum Company Limited’s (NNPC Ltd.) pledge to support them as part of government efforts to boost local refining and reduce fuel imports. The delays have forced several operators to run far below installed capacity or rely on alternative, more expensive feedstock sources. While some refiners have turned to third-party suppliers, others have had no choice but to suspend operations altogether.

    Industry experts attribute the limited output of modular refineries to a combination of structural and operational constraints. The Vice Chairman of the Crude Oil Refinery-owners Association of Nigeria (CORAN), Mrs. Oludolapo Okulaja, identified key challenges including poor infrastructure, unreliable power supply, weak transportation networks, and inadequate or non-existent pipeline infrastructure—all of which significantly raise operating costs. Although policy incentives such as duty waivers on imported equipment and tax reliefs exist, Okulaja argued that implementation remains inconsistent. “These incentives need to be properly executed within a clear and workable framework that beneficiaries can actually access,” she said.

    Echoing these concerns, CORAN’s National Publicity Secretary, Eche Idoko, revealed that modular refineries have yet to receive a single barrel of crude from NNPC Ltd. since the naira-for-crude initiative commenced in October 2024. “As a result, most modular refineries are operating at about 20 per cent capacity,” Idoko said. “They are forced to source feedstock from third parties, which is usually very expensive.” He added that Edo Refinery, for example, relies on trucked crude from third-party suppliers, driving landing costs to nearly four times what they should be. Waltersmith and Aradel refineries, he noted, are able to operate only because they source crude from their own marginal fields—though even that supply is insufficient to fully meet plant requirements.

    The naira-for-crude scheme was designed to address precisely these constraints by allowing local refineries to purchase crude oil in naira through NNPC Ltd. Under the arrangement, NNPC says it has supplied about 48 million barrels of crude to the Dangote Refinery. Although the original plan envisaged supplying seven smaller refineries alongside Dangote, only the Dangote facility ultimately benefited—and even it did not receive the full volumes initially agreed.

    Okulaja said the situation has become critical. “Both modular refineries and the Dangote Refinery are in urgent need of consistent feedstock. Supplying crude to local refineries should now be a top government priority, so plants can operate at optimal capacity,” she said.

    She cited cases where refineries with installed capacities of 10,000 barrels per day—equivalent to 300,000 barrels per month—are allocated as little as 30,000 barrels for an entire month. “That simply does not make sense,” she said. According to Okulaja, local refiners have the potential to transform Nigeria into a net exporter of high-quality petroleum products while simultaneously meeting domestic energy needs. Achieving this, however, requires deliberate policies to expand refining capacity and prioritise in-country value addition. “Refining our crude locally creates far more value than exporting it as raw material, only to import finished products at higher prices and often inferior quality,” she argued.

    She identified regulatory bottlenecks, limited access to financing, and inadequate domestic crude supply as the most pressing challenges. In particular, she accused the Nigerian Upstream Petroleum Regulatory Commission (NUPRC) of failing to fully enforce the Domestic Crude Oil Supply Obligations (DCOS) framework, thereby depriving both modular refineries and the Dangote Refinery of reliable feedstock. Okulaja also pointed to Nigeria’s persistently low crude oil production, attributing it partly to theft and vandalism. “Despite decades of oil production, Nigeria has not translated its resources into meaningful national development or wealth,” she said. “The continued reliance on imported, often substandard, petroleum products reflects a failure to adequately support domestic refining.”

    Demand versus supply security

    Given the sheer scale of the Dangote Refinery, many analysts argue that Nigeria should, in theory, have ended petrol importation. Aliko Dangote has repeatedly stated that his 650,000-barrel-per-day facility can meet 100 per cent of the country’s petrol demand. At about 85 per cent operating capacity, the refinery produces over 57 million litres of petrol daily, compared with national consumption of roughly 50 million litres per day. This excludes the refinery’s strategic reserve of more than one billion litres. Projections indicate that the plant could exceed domestic demand by 15 to 20 million litres daily, potentially reshaping fuel supply across Africa.

    However, major marketers caution against relying on a single source for national supply. They argue that operational risks, logistics constraints, and distribution bottlenecks make sole dependence on one refinery impractical. The Executive Secretary of the Major Energies Marketers Association of Nigeria (MEMAN), Clement Isong, confirmed that all member companies currently purchase petrol from the Dangote Refinery. Nonetheless, he stressed that supply timing, logistics, and volume constraints prevent the facility from being Nigeria’s only source of petrol. “It is almost impossible for a single source to meet demand in the way marketers require it—when they want it, how they want it, and in the quantities they need,” Isong said. He explained that while some marketers require ship-to-ship deliveries, others depend on gantry loading, and queuing at a single location inevitably creates bottlenecks. According to him, these challenges have already resulted in temporary fuel shortages at some filling stations operated by major marketers.

    The Centre for the Promotion of Private Enterprise (CPPE), however, takes a different view. The economic think-tank argues that exposing local refiners to unrestricted global competition without first addressing structural deficiencies—such as high energy costs, poor infrastructure, and limited access to finance—creates what it describes as a “policy-induced disadvantage.” To ensure that protective measures deliver long-term benefits, CPPE recommends complementary interventions, including low-cost financing, reliable power supply, infrastructure investment, and streamlined regulation. “Protection must be strategic, time-bound, and performance-based,” the group advised, adding that once domestic refineries achieve stability, Nigeria should pivot toward export competitiveness. The centre also called for robust monitoring and evaluation frameworks to ensure that protection drives productivity, innovation, and price moderation, rather than rent-seeking or inefficiency.

  • Unlocking Nigeria’s untapped $44 billion maritime goldmine

    Unlocking Nigeria’s untapped $44 billion maritime goldmine

    Nigeria is sitting on a revenue goldmine. With the capacity to generate an estimated $44 billion, about N70 trillion revenue annually, her marine and blue economy is on a good stead to dislodge oil as economy’s major revenue earner. But the snag is that this humongous revenue remains largely untapped due to structural inefficiencies and outdated laws. Maritime industry experts and stakeholders are now clamouring for a comprehensive legal and institutional overhaul of Nigeria’s maritime sector to unlock its huge and untapped potential. AFIONG EDEMUMOH reports.

    Renowned maritime law expert and former Nigerian Bar Association (NBA) President, Dr. Olisa Agbakoba (SAN), is not a man given to frivolities. For a man sufficiently schooled in the dynamics of maritime law, his positions and insights into Nigeria’s marine and blue economy are usually taken seriously.

    So, when Agbakoba recently revealed that the maritime industry holds promise of swelling the nation’s revenue purse by as much as $44 billion, about N70 trillion annually, it was a call for action by various stakeholders to unlock the industry’s huge but largely untapped potential and ultimately, boost the nation’s revenue profile.

    The $44b potential windfall from the marine and blue economy, which excites Agbakoba and indeed, other maritime law experts and stakeholders, is confirmed by projections from the Nigerian Institution of Marine Engineers and Naval Architects (NIMENA), which pegged the industry’s Gross Domestic Product (GDP) contribution at approximately $44 billion (N70 trillion) annually, with improved governance.

    However, the N70 trillion estimate, according to analysis from the Sea Empowerment and Research Center (SEREC), reflects the aggregate economic value that a fully optimized maritime and blue economy could contribute to national output, not the level of revenue currently accruing to government. At roughly $44 billion annually, this potential would represent 6–7 per cent of Nigeria’s GDP.

    While this scale is ambitious, experts say that it is not inherently unrealistic when benchmarked against maritime-driven economies globally. But even at this, Nigeria’s present reality tells a more sobering story. Despite hosting one of Africa’s longest coastlines and busiest maritime corridors, actual public revenue from the maritime and blue economy remains below N2 trillion annually.

    Globally, the Blue Economy, defined by the World Bank as the sustainable use of ocean resources for economic growth, improved livelihoods and jobs while preserving the health of the ocean ecosystem, is the seventh largest economy in the world, with its value projected by the Organisation for Economic Co-operation and Development (OECD) to reach $3 trillion by 2030.

    Nigeria, with its vast coastline, Exclusive Economic Zone (EEZ), and extensive inland waterways, is strategically positioned to capture a significant portion of this growth. Sadly, however, available statistics indicate that the country is currently losing an estimated N20 billion daily due to the state of the ports and other outdated infrastructure used in maritime operations.

    This deplorable state of infrastructure and other operational bottlenecks are said to be forcing cargo diversion to neighbouring West African countries’ hubs in Cotonou, Tema, and Lomé. Besides, statistics further revealed that over 25, 000 foreign vessels are reportedly engaged in illegal or non-compliant trade within Nigerian coastal waters, effectively stifling indigenous economic growth.

    It is against this backdrop that Agbakoba’s revelation becomes critical for Nigeria’s fiscal health. For one, the nation is currently battling with an acute fiscal crisis, with total public debt soaring to an estimated N152.40 trillion (approximately $99.66 billion) as of June 30, 2025. The debt servicing burden remains a crushing obligation for government as it took a bigger chunk of the Federal Government’s total revenue in 2024, amounting to 77.5 per cent, for instance.

    Agbakoba, however, affirmed that “the maritime industry’s N70 trillion in annual revenue could transform our debt servicing burden from a crisis into a manageable obligation while funding the infrastructure and social investments Nigeria desperately needs.”

    Accordingly, in a detailed letter to the Minister of Marine and Blue Economy, Adegboyegba Oyetola, dated November 30 and titled: “Unlocking Nigeria’s Maritime Sector Potential—a Pathway to Realising N70 Trillion Annually,” the maritime law expert was emphatic that a comprehensive legislative framework is the definitive way forward.

    X-raying the proposals

    Agbakoba’s transformative agenda for the maritime industry, essentially, calls for an immediate and comprehensive legislative framework comprising the enactment of nine new laws and the amendment of seven existing ones. These laws are designed to plug the regulatory and institutional gaps that currently allow massive revenue leakages and cripple local participation.

    These new enactments, Agbakoba stressed, are essential for establishing a modern, structured, and secure operational environment that aligns with international best practices and leverages emerging technologies. For instance, the Ports and Inland Waterways Development Act will modernise port infrastructure and streamline governance, ensuring Nigeria’s ports compete globally and attract greater trade volumes.

    On the other hand, the Marine Spatial Planning Act, based on Agbakoba’s proposal, will coordinate the sustainable use of maritime space, balancing economic, social, and environmental goals for long-term sector growth, while the Sustainable Fisheries and Aquaculture Act is designed to combat illegal fishing and promote blue food security, safeguarding Nigeria’s fisheries for future generations.

    There is also the Marine Pollution Control and Climate Adaptation Act, to preserve the health of the marine ecosystem, aligning with the World Bank’s definition of the Blue Economy and positioning Nigeria as a responsible steward of its maritime resources.

    The Coast Guard Establishment Act will create a dedicated, uniformed service for the civil enforcement of maritime laws, improving safety and regulatory compliance at sea; the Maritime Security and Piracy Suppression Act will build on the success of the Deep Blue Project, further enhancing anti-piracy operations and ensuring Nigeria’s waters remain secure for commerce and tourism.

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    That is not all. The Legal Framework for Maritime Autonomous Surface Ships (MASS) will position Nigeria as a regional leader in adopting digital maritime services, preparing the sector for the future of shipping technology.

    Similarly, the Electronic Bill of Lading Framework will digitalise and expedite trade documentation, reducing delays and improving efficiency in maritime trade.

    Also, the Blue Economy Act will serve as a unifying piece of legislation, harmonising all sector activities under the new Ministry of Marine and Blue Economy and ensuring a coordinated approach to maritime development and regulation.

    Together, these laws, Agbakoba noted, form the foundation for a robust, sustainable, and technologically advanced maritime sector in Nigeria.

    The proposed amendments

    The proposed amendments are focused on empowering existing regulatory agencies and closing revenue loopholes in major laws such as the NIMASA Act 2007, NPA Act 1999, NIWA Act 1997, Cabotage Act 2003, Merchant Shipping Act 2007, Petroleum Industry Act 2021, EEZ Act 1978, and Sea Fisheries Act 1992.

    These legislative changes, according to Agbakoba, must be complemented by critical institutional reforms, including the establishment of a National Blue Economy Commission to serve as the overarching coordinating and implementation body, a Marine Pollution Task Force to enforce environmental standards, and the creation of specialised maritime courts to expedite the resolution of complex maritime disputes, which is essential for attracting global investors.

    Addressing the $14.2 billion port crisis

    The most immediate revenue opportunity lies in fixing Nigeria’s dysfunctional port system, a problem costing the nation an astronomical sum. The Sea Empowerment and Research Center (SEREC) said that the Nigerian maritime sector loses between $3 billion and $5 billion annually due to freight charges, port congestion, and poor multimodal integration.

    More severely, a report by the African Centre for Supply Chain estimates a loss of about $14.2 billion annually from bottlenecks at Lagos ports alone.

    Agbakoba projects that port infrastructure development can yield approximately N14 trillion annually, and this revenue stream is achievable by eliminating the inefficiencies that cause cargo to take an average of 19 days to clear in Lagos ports, a delay that costs the economy over $1 billion yearly.

    “Nigeria loses N20 billion daily as cargo diverts to Cotonou, Tema, and Lomé due to poor port infrastructure,” Agbakoba lamented, noting that “Enacting the Ports and Inland Waterways Development Act and amending the NPA and NIWA Acts would modernise our ports and unlock revenues from tariffs, cargo handling fees, and special economic zones.”

    He said modernisation initiatives, including ongoing digitalisation and rehabilitation projects, must be accelerated and supported by this decisive legislative framework.

    Unlocking N12tr in inland waterways

    The vast, yet underutilised network of inland waterways presents another formidable revenue opportunity, projected to yield N10-12 trillion annually.

    “Dredging the River Niger and River Benue to create a functional multimodal transport system would reduce transportation costs, decongest roads, and generate revenues from tolls, ferry services, and tourism,” Agbakoba noted.

    This action would relieve the massive pressure on Nigeria’s road networks, which currently handle over 90 per cent of port cargo, incurring trucking costs of nearly N1 trillion yearly.

    Recapturing wealth via cabotage, local content

    The dominance of foreign interests in Nigeria’s coastal trade is arguably the single largest drain on indigenous maritime wealth, with Agbakoba projecting that stringent cabotage enforcement can generate about N8 trillion annually.

    Reports have long indicated that foreign firms control as much as 90 per cent of the vessels operating in Nigeria’s waters.

    While the Coastal and Inland Shipping (Cabotage) Act of 2003 aimed to reserve this trade for Nigerian-owned, -crewed, -flagged, and -built vessels, the provision of waivers has created a loophole exploited by foreign operators.

    A former Governor of the Central Bank of Nigeria once estimated that the anomaly was costing the country as much as N2 trillion yearly.

    “Over 25,000 foreign vessels illegally trade in our coastal waters. Strengthening the Cabotage Act 2003 would recapture these revenues while creating jobs for Nigerian seafarers and shipping companies,” the legal luminary stated.

    The Nigerian Maritime Administration and Safety Agency (NIMASA) has previously initiated a five-year plan to end Cabotage waivers, but this strategy requires the robust legislative backing proposed.

    Furthermore, the Oil and Gas Maritime Services sector currently sees the loss of about N16 trillion annually, with over $1 billion in legal services, shipping contracts, banking services, and marine insurance flowing abroad.

    The solution is simple yet powerful: “Enforcing the Local Content Act across all value chains and establishing a Maritime Development Bank would recapture the losses,” creating sustainable financial and professional capacity locally.

    Nigeria’s maritime security dividend

    Maritime Security and the broader Blue Economy, experts say, can generate between N8 to N10 trillion annually, a figure predicated on eliminating the immense financial burden of insecurity in the Gulf of Guinea.

    Though the Nigerian Government’s Integrated National Security and Waterways Protection Infrastructure, the Deep Blue Project, has achieved a notable 30 per cent drop in piracy, the threat remains costly.

    External reports underscore the severity of the threat: maritime piracy in West Africa cost over $800 million in 2017 (Oceans Beyond Piracy), and the conservative estimate for the direct and indirect cost of piracy to Gulf of Guinea nations is nearly $2 billion (Stable Seas, 2021).

    Furthermore, SEREC estimates that Gulf of Guinea war-risk premiums alone cost Nigeria-linked trade $200 million to $400 million yearly.

    Agbakoba insists that while the Deep Blue Project is foundational, “only a coast guard could adequately protect the maritime domain.”

    The establishment of the proposed Coast Guard Establishment Act is the final piece of the security puzzle. “Enhanced security will attract international shipping, reduce insurance premiums by 40 per cent, and unlock coastal tourism revenues,” he said.

    Indeed, maritime security remains a foundational economic issue. Sustained improvements in security not only reduce insurance premiums and capital flight but also restore investor confidence across shipping, offshore services, and coastal trade.

    Looking to the near future, the sector must embrace emerging maritime technologies, which can generate between N5 to N6 trillion annually.

    With the International Maritime Organisation (IMO) set to mandate Maritime Autonomous Surface Ships (MASS) by January 2028, Agbakoba stressed that “Early adoption through appropriate legal frameworks would position Nigeria as a regional hub for digital maritime services,” preparing the nation for the next phase of global maritime trade.

     “The legal framework for MASS is thus a necessity, not a luxury,” he emphasized, adding that a crucial, yet often overlooked, revenue stream is Oil Rig Taxation, which could yield about N6 trillion annually.

    Tax is currently not collected from oil rigs operating in Nigerian waters; a glaring legal loophole. Amending the NIMASA Act to establish a comprehensive taxation framework would immediately capture this revenue stream, providing a stable, non-oil source of income.

    Push for diligent policy implementation

    Industry stakeholders have largely endorsed the thrust of Agbakoba’s argument while emphasising the critical importance of implementation discipline. For instance, the Managing Director/Co-founder of Trucks Transit Parks Limited, Jama Onwubuariri, agrees that Nigeria can unlock very significant maritime and blue economy revenue, potentially on that scale over time.

    Onwubuariri, however, said this is only possible if the country moves from policy ambition to disciplined execution. “The policy framework is not the constraint; implementation is,” he emphasised.

    From his experience in port access management and maritime logistics, he identified three immediate priorities: governance and institutional alignment, operational efficiency and digitisation, and enforcement of existing laws.

    Onwubuariri said: “Too many overlapping mandates at the ports and waterways create duplication, discretion and revenue leakages. The government should rationalise roles, enforce inter-agency data sharing, and publish clear Key Performance Indicators KPIs.”

    He advocated for a credible national port community system/single window, end-to-end e-payments, and automated compliance processes to reduce human bottlenecks and improve collection, noting that efficiency is a revenue multiplier.

    Most critically, Onwubuariri called for firm, transparent enforcement of cabotage, safety standards, local content and taxation—supported by technology, to close the non-compliance gap without necessarily requiring new laws.

    “The opportunity is real, but to unlock it is simple: reduce discretion, digitise processes, and enforce consistently. That is how the sector translates potential into measurable revenue, jobs, and competitiveness,” he said.

    The realistic way forward

    Indeed, most of the reforms required to unlock the maritime value chain already exist on paper. For instance, the National Policy on Marine and Blue Economy (2025–2034) provides a comprehensive roadmap covering port modernisation, inland waterways development, cabotage enforcement, maritime security, local content, and emerging maritime technologies.

    Experts, however, maintain that what has been missing, historically, is decisive execution backed by institutional coordination and political will. Although, SEREC agreed that the country can realistically unlock significant maritime-driven economic value, but this will not happen in an overnight leap to N70 trillion in annual fiscal inflows.

    A more credible trajectory, the group argued, would see incremental gains in the short term, rising steadily as reforms mature. “With focused legislative amendments, strengthened regulatory institutions, and targeted infrastructure investment, the sector could deliver N3–N5 trillion in additional value within the next three years, scaling to N10–N20 trillion over the medium term,” Head of Research, SEREC, Eugene Nweke, said.

    He further noted that key priorities to attain this must include the urgent amendment and enforcement of the Cabotage Act, modernisation of port operations through digitalisation and automation and the activation of inland waterways as viable commercial transport corridors.

    Equally important is the need to empower maritime regulatory agencies with clearer mandates, operational autonomy, and technology-driven oversight to reduce revenue leakage and improve compliance.

     “Maritime security also remains a foundational economic issue. Sustained improvements in security not only reduce insurance premiums and capital flight but also restore investor confidence across shipping, offshore services, and coastal trade.

    “The roadmap, Agbakoba concluded, exists in the National Policy; all that is now required is decisive implementation.”While the world focuses on our oil and gas sector, the maritime sector quietly presents opportunities that could rival or exceed petroleum revenues while creating millions of jobs and establishing Nigeria as a true maritime power,” he underscored.

    According to SEREC, “Ultimately, the N70 trillion proposition should be viewed not as an exaggerated claim, but as a long-term economic signal—a reminder of what Nigeria stands to gain if it treats the maritime and blue economy as a strategic national asset rather than a peripheral sector.

    “Without decisive action, however, the figure risks joining a long list of well-articulated but unrealised development aspirations.”

    For Nigeria, the maritime think-tank noted, “the choice is clear: move from policy rhetoric to implementation discipline, or continue to forfeit one of its most viable non-oil revenue frontiers in an era of mounting fiscal pressure.”

  • Churches, mosques filling Nigeria’s growing welfare gap

    Churches, mosques filling Nigeria’s growing welfare gap

    Amid Lagos’s Christmas lights and music, millions of Nigerians face a harsher reality of rising prices, unpaid rent, and empty cupboards. In the absence of reliable government support, churches and mosques have become de facto welfare providers, distributing food, covering school fees, and easing hardship. For many struggling families, faith-based aid bridges the gap between survival and despair, revealing both extraordinary generosity and deep systemic failure, reports Deputy Political Editor RAYMOND MORDI

    A few days before Christmas, while traffic snakes through Lagos and carols echo from loudspeakers across neighbourhoods, a quieter scene plays out behind the gates of a Pentecostal church in Iju-Ishaga. Before the morning service, a small crowd gathers, lining up in calm, orderly rows. Volunteers call out names from a handwritten list, checking them off meticulously. Bags of rice, bottles of groundnut oil, and basic cooking condiments are distributed with quiet efficiency. No one asks for a voter’s card, a tax record, or any bureaucratic documentation—there are no forms, no background checks, just the simple act of giving.

    Mary Okafor, a widow raising three young children, clutches a Bagco bag brimming with rice, beans, and tomato paste as she steps away from the church grounds. Her eyes glisten with relief. Only a week earlier, she had felt the familiar, gnawing anxiety of wondering how to put a Christmas meal on the table. Now, thanks to the Redeemed Christian Church of God’s annual food distribution, that burden has lifted—at least for a while. “This is God telling me He hasn’t forgotten us,” she whispers, voice trembling with quiet gratitude.

    Across town, in Lekki, a similar story takes place within a very different religious context. After Friday Jummah prayers at the Lekki Central Mosque, dozens of men and women—some elderly, others pushing strollers or carrying small children—wait patiently in line. They are not here for a sermon, but for sustenance: bags of staples purchased with zakat, the mandatory alms prescribed in Islam. For Ahmed Garuba, a tailor whose small business shuttered earlier this year, this package of rice, beans, and cooking oil eases a month filled with uncertainty and financial strain. “When the world says there is no way,” he says quietly, “your faith makes a way.”

    Poverty and faith-based welfare in Nigeria

    Nigeria faces a profound and persistent poverty crisis. Despite being rich in natural resources and possessing one of Africa’s largest economies, millions of Nigerians live below the poverty line. Over 70 million people—roughly one-third of the population—survive on less than $2 a day, according to the National Bureau of Statistics. Rising inflation, currency instability and the soaring cost of food have further eroded purchasing power, making basic necessities increasingly unaffordable.

    Structural factors exacerbate this crisis. Unemployment remains high, particularly among youth, and a large portion of the workforce is engaged in informal, precarious jobs that provide little security or social protection. Rural communities, heavily reliant on subsistence farming, face additional threats from climate change, flooding, and land degradation. Urban centres, meanwhile, are plagued by overcrowding, rising housing costs, and inadequate public services, leaving many residents in slums and informal settlements.

    Government welfare programmes exist, such as the National Social Investment Programme (NSIP) and conditional cash transfers, but critics insist their reach is limited. Coverage is uneven, disbursement irregular, and bureaucratic inefficiencies and corruption reduce effectiveness. Social protection spending accounts for just 0.14 per cent of Nigeria’s GDP, far below the global average of 1.5 percent, leaving many families with little recourse in times of crisis.

    In this vacuum, religious institutions have stepped in as critical providers of support. Churches and mosques across Nigeria distribute food, pay school fees, assist with rent, and provide emergency cash, effectively becoming de facto welfare systems. Their reach often extends into communities that formal programs cannot penetrate, offering immediate relief where the state falls short. For millions, faith-based aid is not merely charitable—it is a lifeline.

    These programmes operate through both structured initiatives and informal networks. Large churches, such as the Redeemed Christian Church of God and Deeper Life Bible Church, have dedicated welfare ministries that manage monthly distributions, educational support, and housing assistance. In Islam, zakat—the obligatory alms—is redistributed through organisations such as the Zakat and Sadaqat Foundation, funding education, healthcare, and small businesses. Local mosques also organise food distribution and emergency aid, creating community-level safety nets.

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    The strengths of faith-based welfare lie in accessibility and local knowledge. Clerics often know families personally, allowing aid to reach those most in need quickly and efficiently. Programs are flexible, responding to urgent requirements that formal welfare schemes may miss. Support is delivered in familiar and trusted environments, fostering dignity and social cohesion.

    However, reliance on religious institutions also has limits. Aid can be uneven, sometimes tied to membership, moral expectations, or visibility within a congregation. Vulnerable groups—such as people with disabilities, widows, and single mothers—may be unintentionally excluded. Sustainability depends heavily on donations and volunteer labour. Yet despite these challenges, faith-based welfare highlights both the extraordinary generosity of communities and the persistent inadequacies of state-led social protection. In Nigeria, it is not merely a supplement; it has become an essential component of survival for millions.

    What does it mean when access to basic survival is mediated by religious affiliation rather than by rights guaranteed by the state? When help is conditional, given as charity rather than as a legal or civic entitlement, what vulnerabilities emerge? And when survival depends on proximity to a mosque, church, or faith leader, what does that say about the state’s role in ensuring the welfare of its citizens?

    Nigeria lacks a comprehensive welfare infrastructure. Unemployment insurance is largely inaccessible. Health insurance, particularly for those in the informal sector, is rare. Social assistance exists in scattered programs that are underfunded, poorly coordinated, and often tied to political patronage rather than need. In such a vacuum, faith fills the gap. Churches and mosques are physically present, linguistically familiar, and socially embedded in communities where government services rarely penetrate. Clerics often know who has lost employment, who is behind on rent, or whose child has dropped out of school. Seeking help from them is not just natural—it is often the only viable option.

    However, reliance on religious welfare subtly reshapes the social contract. Aid is dispensed at the discretion of faith leaders or welfare committees, often guided by membership, perceived moral character, or visible commitment to the congregation. This system, while compassionate, is inherently uneven. It blends spiritual authority with social influence, and the line between voluntary charity and dependence on religious power can blur. For the families lining up for food or assistance, these complexities may feel distant. What matters most is the immediate relief—food on the table, a roof over one’s head, the ability to send a child to school.

    Faith-based welfare in Nigeria has grown not only in scope but in sophistication. Large churches have established dedicated welfare ministries to manage the influx of requests. A pastor at a branch of Deeper Life Bible Church in Lagos, speaking anonymously, describes how his church has created a welfare department to meet the “growing number of people seeking assistance of one kind or another.” The support offered is wide-ranging: food, cash, school fees, rent, even temporary housing. Budgets are flexible, records are often minimal, and the demand is relentless. “We attend to dozens of people every month,” the pastor explains. “There is never a shortage of need.”

    Funding comes from the church’s main funds and occasional targeted donations. While most beneficiaries are church members, the aid sometimes extends to others in the community. “It is both a religious obligation and a way to fill a gap left by the state,” the pastor says.

    Mosques operate similarly. Beyond the obligatory zakat, many mosques have organized food distribution programs, emergency cash grants, and educational sponsorships. These programs often rely on volunteers from the congregation who know the recipients personally, ensuring that aid reaches those genuinely in need. This personal connection fosters a sense of dignity for the recipient but also reinforces the idea that access to basic necessities can depend on being known or visible to a religious community.

    At the New Nations Baptist Church in Maryland, Lagos, faith-based welfare operates with structure and intent. The church’s Benevolence Ministry, led by Pastor Sunny Udemba, forms the core of its social outreach. “It is an anomaly when people do not have food to eat at home,” Udemba explains. “Usually, anyone who needs help is directed to that ministry.”

    Each month, the ministry assists between 15 and 25 people, though urgent needs can expand that number. Support ranges from food and basic necessities to school fees, rent, and emergency expenses. When it comes to education, the church ensures that financial assistance targets genuine need rather than academic performance. “We may not pay 100 per cent,” Udemba notes, “but we will assist.” Church members are encouraged to contribute resources for the poor. Some donate food, others give cash, while referrals sometimes extend aid to non-members. “We regard it as part of evangelism,” Udemba says, emphasising that assistance is not conditional on joining the church, though some beneficiaries later do.

    Islamic welfare operates on a similarly systematic foundation, with zakat—the obligatory alms—as its cornerstone. Organisations such as the Zakat and Sadaqat Foundation (ZSF) leverage this religious obligation to create an extensive support network across Nigeria. In 2025 alone, ZSF disbursed N653 million across 28 states, funding education, medical care, and small businesses. “Zakat is not just about wealth transfer,” says ZSF executive director Prince Sulayman Olagunju. “It is about restoring dignity and hope.”

    Community-level efforts reinforce this approach. The Lekki Muslim Ummah distributed N162 million to more than 400 people in 2025. Its president, Dr AbdulGaniyu Labinjo, emphasises that recipients are expected to eventually contribute zakat themselves, creating a cycle of empowerment. Chief Imam Dr Ridwan Jamiu often reminds beneficiaries to use the funds responsibly, avoiding spending on celebrations, and prioritizing essential needs.

    Such programmes are far from ad hoc charity. They are organised, predictable systems grounded in religious teachings and financed by tithes, offerings, zakat, and donations. For many Nigerians, these faith-based networks are more reliable than state welfare. Over the past 25 years, ZSF has distributed over N5 billion, benefiting more than 100,000 people, highlighting the scale and continuity of religious social support.

    Government programmes, by contrast, remain fragmented and limited. Initiatives such as the National Social Investment Programme exist, but their reach is minimal. Many Nigerians cannot identify anyone who has benefited, and the processes for receiving aid are opaque. Social assistance is often tied to emergencies or political cycles, rather than being a sustained, predictable support system. A World Bank report in November 2025 highlighted the problem. Nigeria allocates only 0.14 per cent of its GDP to social protection, far below the global average of 1.5 per cent. The report noted that this “tiny allocation” reduced poverty by just 0.4 percentage points, and only 44 per cent of benefits reached the poorest citizens.

    Experts warn that the system’s weaknesses are deep-rooted. Segun Tekun, a former UNICEF and ILO specialist, says Nigeria’s welfare apparatus is “too weak to combat poverty,” noting that reliance on donors—estimated at 60 per cent—makes social protection unsustainable.

    Others are more direct. Emmanuel Gabari, a social worker, human rights activist, and UN Youth Ambassador based in Kano, observes that government responses are reactive rather than proactive. “Nigeria’s social welfare system is nothing to write home about,” he says. “The government only responds in emergencies.” Gabari recalls images of officials throwing bread from boats to flood victims in Borno, asking rhetorically, “How does that bread get to the people?”

    Scandals further erode public trust. During the COVID-19 pandemic, hoarded palliatives led to food shortages, prompting people to break into warehouses. “People broke into warehouses because they were hungry,” Gabari notes. “That tells you everything.” For many Nigerians, these gaps have made faith-based welfare not just a supplement, but a lifeline. Churches and mosques provide predictable, community-rooted support when the state cannot. While this relief is vital, it also underscores the stark contrast between government provision and the capacity of religious institutions to meet basic human needs. In a country where millions live hand-to-mouth, faith-based welfare has become an essential part of daily life, offering both sustenance and dignity in a system where state support remains inconsistent, opaque, and often inaccessible.

    For people like Mary Okafor, the debates over social policy feel distant and abstract. The hospital still demands payment, the landlord still expects rent, and bureaucratic forms remain a barrier she cannot navigate. When she needs help, it is the church that answers the phone, the mosque that opens its doors. Faith-based welfare is immediate, tangible, and familiar—a lifeline when official systems fail.

    Yet even this lifeline has limits. Assistance is often conditional, whether explicitly or implicitly tied to belief, participation, or moral conformity. Those outside dominant faith communities may find themselves entirely excluded. Questions of dignity also arise: some beneficiaries hesitate to request help publicly, fearing judgment or stigma. Vulnerable groups, including people with disabilities, widows and single mothers, may be unintentionally overlooked, as many programmes rely on informal networks rather than structured outreach.

    The burden on religious institutions is heavy. Clerics themselves acknowledge the strain. “We are seeing more cases than before,” says a pastor at Deeper Life Bible Church. “We worry about sustainability.” Not every religious leader embraces the role of social provider. “The church is not the state,” insists Pastor Sunny Udemba of New Nations Baptist Church. “If the system worked, we would have less to do.” Similarly, Imam Sadiq, speaking on zakat, cautions: “Zakat is not a substitute for public policy. It is a moral obligation, not a governance framework.”

    Experts warn that leaving social protection entirely to faith-based organisations carries risks. It can deepen inequality, reduce transparency, and relieve the government of its responsibility to citizens. Welfare delivered solely as charity is fundamentally different from welfare guaranteed as a right. Without state involvement, access can remain uneven, arbitrary, and tied to subjective judgments about worthiness or loyalty.

    At the same time, the solution is not to dismantle faith-based welfare. Rather, innovative collaboration between religious institutions and government agencies could harness the strengths of both. Structured partnerships—with oversight, transparency, and clear boundaries—could allow churches and mosques to identify and reach those in need, while the government provides funding, regulation, and guarantees of inclusion. “This can work,” says Emmanuel Gabari, a social worker and UN Youth Ambassador based in Kano. “But only with sincerity, accountability, and transparency. The intentions of both parties must be genuine. The government should not be giving out palliatives or empowerment programs only around election time. And the churches must ensure that resources reach those in need, not just enrich a select group within their congregation. The common goal must be to alleviate poverty.”

    In the absence of reliable government support, Nigerians have long relied on resilience—finding ways to endure when systems fail them. Increasingly, however, that resilience is sustained not by public institutions, but by faith, community, and charity. Religious organizations provide predictability, familiarity, and human connection in a landscape where official welfare is fragmented, underfunded, and often politically influenced.

    Back in Iju-Ishaga, Mary Okafor leaves the church with her bag of rice, beans, and tomato paste, and with the quiet reassurance that someone will check in on her. It is not a solution to all her problems, but it is immediate relief, a reprieve from hunger and worry. Across town, her Muslim neighbour will visit the mosque on Friday to receive similar support. In these small acts, the gaps left by the state are momentarily bridged. Nigeria’s religious institutions did not set out to become a parallel welfare system. They stepped in because no one else did. Whether the government will eventually reclaim this role, or learn to coordinate with faith-based organisations to ensure equity and efficiency, remains uncertain.

    Until that happens, people like Mary will continue to line up, quietly trusting in the system that works where others fail. In a nation where formal social protection is insufficient, faith-based welfare is more than charity—it is survival. It reflects both the generosity of communities and the enduring fragility of public support, a duality that defines the lived reality of millions across Nigeria. In the streets of Lagos, in the mosques of Lekki, and in countless neighbourhoods across the country, the lines continue. People wait. They trust. They endure. And faith, in its many forms, remains the bridge between need and relief, between hunger and hope.

  • Light up Christmas:  Yuletide   illuminations transforming Lagos

    Light up Christmas:  Yuletide   illuminations transforming Lagos

    Lagos glows differently at Christmas. From Ikoyi to Victoria Island, streets pulse with cascading lights that transform bridges and avenues into luminous stages. Children pause in awe, couples stroll hand in hand, and the city’s usual rush softens beneath the glow. Sounds mingle—music, laughter, and whispered marvels—while familiar concrete corridors become magical spaces of celebration, connection and wonder, proving that seasonal light can reshape both the city and the way it is experienced, reports NTAKOBONG OTONGARAN

    The lights announce themselves long before the bridge comes into view. On Alfred Rewane Road in Ikoyi, as traffic slows toward the Falomo roundabout and the span linking Ikoyi to Victoria Island, the glow of Christmas begins to seep into the night. Vehicles inch along beneath the broad concrete stretch of the Falomo Bridge, brake lights forming a thread of red that snakes into the distance like fireflies caught in motion. Above, festive bulbs flicker in gentle waves, softening the harsh edges of the bridge and surrounding flyovers that Lagosians traverse daily without notice. The illumination transforms the familiar into something intimate and celebratory, warm and inviting in a way that the city rarely permits.

    Beneath the bridge, at the roundabout, attention is drawn to the spectacle. A small gathering lines the roadside railings, murmuring quietly while colours wash over the concrete below. Soft music hums from a portable speaker, punctuating the city’s usual din. Pedestrians pause mid-stride, taking turns posing for photos, their figures outlined by the ambient glow. In the creeping traffic, drivers lower windows, faces lifted toward the lights, tension easing in the unusual serenity. A danfo conductor steps off his bus to stretch, standing beside the road with an easy grin. The lights prompt a rare pause, a moment of acknowledgment in the constant rush of Lagos life.

    Across the roundabout, strands of white and blue cascade from the bridge, hanging like frozen rain. Under their shimmer, a brief hush settles over the space, and the usual noise of the city retreats. In this glow, a child in a bright red shirt clutches a mother’s hand, eyes wide with wonder. “I want to touch it,” the child insists. “It is light, not a toy,” the mother replies, laughter in her voice. “But it looks real,” the child counters, gazing upward.

    Around them, the crowd shifts and mingles. Young men pedal bicycles slowly through the display, couples stroll hand in hand, and friends in matching green “Detty December” shirts cluster, capturing the scene on phones. Each visitor participates in the shared ritual, documenting and pausing, transformed by the interplay of illumination and imagination.

    Once ordinary and overlooked, the space beneath the Falomo Bridge has been reborn as a Christmas tableau. Statues of Santa Claus and his reindeer share space with a manger and towering Christmas trees. Stars and snowflakes glow beside abstract shapes, each light a deliberate flourish in the city’s seasonal storytelling. The display forms a luminous garden of colour and creativity, framed by the low rumble of traffic and the mixed scents of evening: charcoal fires, roasted corn, exhaust, and humid Lagos air blending into a familiar urban perfume. The scene feels almost unreal, a pause in a city synonymous with noise, urgency, and struggle.

    Families gather as if the under-bridge area were a shared living room. Toddlers toddle toward glowing sculptures, cautious and fascinated. Teenagers position themselves for selfies beneath the falling strands of light. Vendors call softly to passing pedestrians, offering roasted corn or small treats, their voices mingling with the subtle hum of music and murmured awe. Each gesture, each movement, reinforces a sense of collective enjoyment—a city pausing in unison to embrace a rare moment of wonder.

    Amid the crowd, expressions mirror relief and delight. People accustomed to navigating the bridge at full speed linger, taking in the spectacle, the lights offering a tangible connection to the season. The display is not just decoration; it is a statement, a declaration that the city, for all its chaos, can yield spaces of beauty, pause, and reflection. The lights become more than ornaments—they become a language of celebration, recognition, and shared experience.

    The Falomo Bridge, usually a mere conduit of movement and urgency, transforms under the illumination into a stage for human emotion. Children’s laughter mingles with the low hum of conversation. The scent of roasting corn drifts over the gathering, mingling with the exhaust and the evening breeze. Every visitor, intentional or accidental, finds a moment to stop, to watch, to capture a memory in the glow of falling lights. The spectacle embodies a paradox: a city famous for relentless energy and impatience slows, even briefly, to marvel. Every light, every sculpture, every reflection on the concrete beneath the bridge speaks of joy, generosity, and imagination. In the shimmer, Lagos appears simultaneously familiar and new—its character reshaped by the ephemeral magic of a holiday transformed into shared experience.

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    From Falomo, the drive winds through Victoria Island along Ajose Adeogun Street, a corridor transformed into a luminous wonderland. The road glitters for nearly a kilometre, every tree draped in cascades of lights. Branches curve and stretch, corners and curves illuminated in white and gold. The effect is not merely decorative; it is immersive. Vehicles slow to a near crawl, passengers leaning from open windows to drink in the spectacle. Soft gasps ripple through the street, laughter drifts on the evening air, and moments of silence punctuate the magic. A Christmas song plays from a Bluetooth speaker balanced on the roof of a car, and suddenly the street hums with the energy of a small, spontaneous concert.

    Near Zenith Bank headquarters, a cluster of friends stands shoulder to shoulder, faces uplifted to the illumination. The street feels alive, breathing with an almost tangible spirit of the season. Lights flicker across the avenue, and the crowd absorbs the glow in quiet awe. At the Eko Hotel roundabout, the decorations rise even higher. Enormous Christmas trees tower over the gathering like glowing skyscrapers. Across the roundabout, the words Peace, Joy, and Love shimmer, spreading across the expanse like a gentle command to pause and absorb the moment.

    The crowd stretches along the avenue, too numerous to count. Some walk slowly, others pause to take photographs. Children run freely through the lights as if propelled by magic, weaving between adults who stop mid-step to admire the spectacle. A photographer, camera strapped to his neck, waits patiently for the perfect shot. Weddings, birthdays, funerals—none of those occasions compare to this moment, he says quietly. People smile here without effort, as if the city itself compels joy. Nearby, a family of six gathers around a reindeer sculpture, phone cameras held high to preserve the memory. Laughter bubbles as poses are struck, tongues are stuck out in mischief, and passers-by become part of the frame.

    Across town in Marina, the scene takes on a different hue, layered against colonial-era buildings and the pulsing business district. By day, the area is loud, fast, and unforgiving, but on this Sunday night, under the glow of Christmas, it softens. People drift between stalls selling soft drinks and suya, the light bouncing off polished vehicles and open bus windows. Music floats through the air, mingling with the calls of vendors. A woman selling second-hand cloth dances with arms raised, her voice rising: “One thousand five hundred naira… Christmas bonanza.” Rhythmic clapping follows, smiles are exchanged, and the city hums in a different, gentler rhythm.

    Couples sit quietly on benches, sipping beverages. One man, shy, remarks that it is their first Christmas together, a visit inspired by tales of the city’s special lights. His companion lifts her eyes to the sky, breath caught in wonder. The city feels unfamiliar yet familiar, transformed by colour and illumination. Older men gather at the roundabout, their conversation a mix of English and Yoruba, laughter punctuating reminiscences. “Marina used to be dark,” one observes. “Now look at this. Even my grandchildren want to come.”

    Christmas lights shape more than space; they shape behaviour. They alter the way people walk, speak, and regard one another. The illumination softens the edges of the city, allowing a pause in Lagos’s characteristic rush. At JJT Park in Alausa, near the State House of Assembly, this festive spirit continues. The park glows as if the night sky itself has been brought to the ground. Children dart through the open spaces, elderly couples stroll arm in arm, and teenagers congregate near the fountain, whispering and laughing over shared drinks. The display encourages lingering, conversation, and play. “I have lived in Lagos for thirty years,” remarks a retired teacher, observing the scene. “This is usually the most special time of the year. These lights are not only decoration. They make people feel alive.”

    Across the city, the impact is the same. Christmas light in Lagos transcends symbolism; it resonates emotionally. The populace chases beauty because beauty is scarce and fleeting. When it appears, it is held close, savoured. The displays invite families and friends to pose for photographs and short videos, whether beside illuminated trees, reindeer sculptures, or tunnels of light. National concerns about rising costs or security fade into the background. Well-lit streets, a strong police presence, and the deliberate planning of public spaces create an atmosphere of safety and inclusion, allowing the city to celebrate collectively.

    In every district, the transformation is profound. Streets that once carried only the business of transit now host moments of pause. Familiar structures are reframed in colour and light, and the city, usually relentless in its energy, slows for a season. Children, couples, friends, and strangers alike share brief, unguarded moments of wonder. In Lagos, Christmas is not confined to homes or shopping centres—it spills into the streets, painting the city with light, warmth, and a shared sense of magic.

    Partnerships and sponsors behind Lagos’s Christmas illuminations

    The festive glow that stretches across Lagos each year is far from a spontaneous flourish. It is the result of deliberate collaboration between private sector partners, corporate sponsors, and government agencies, all working in tandem to shape the city’s holiday celebrations.

    On Victoria Island, Zenith Bank’s Ajose Adeogun Street installation has long been a highlight of the city’s seasonal decor. Now in its 19th year, the installation has become a cornerstone of Lagos’s festive identity. To accommodate the display, portions  of the street are temporarily rerouted, with carefully executed traffic diversion plans implemented over several weekends. This ensures that crews can mount lights and structures safely while maintaining orderly vehicular flow, demonstrating how urban planning and event management intersect to create seamless public experiences.

    At Eko Hotels & Suites, the Tropical Christmas Wonderland marks its seventh year as one of the city’s most anticipated festive events. In collaboration with Zenith Bank and tourism partners, the hotel transforms its grounds into a thematic seasonal destination that combines lights, music, theatre, games, and family-focused entertainment. The 2025 edition, themed “Kingdom of Lights”, offers immersive experiences that celebrate Christmas through family engagement, cultural expression, and community participation. Visitors encounter theatrical performances, live music, children’s activities, and expansive light installations, drawing residents and tourists alike to a single, vibrant space.

    Public and private sector collaboration was underscored during the grand light-up ceremony, which featured the participation of Governor Babajide Sanwo-Olu. The event highlighted how civic leadership and corporate investment can converge to elevate Lagos’s festive culture and tourism appeal. Beyond providing visual spectacle, such initiatives position Lagos as a city capable of hosting large-scale cultural celebrations that generate economic activity while fostering social cohesion.

    Other brands have contributed to the seasonal cheer. Maltina’s “Live the Season” Light Up campaign invited Lagosians to engage with neon displays and community-centered installations that emphasise togetherness, joy, and shared festive experiences. The multi-city initiative spanned Lagos, Abuja, and Ibadan, turning public spaces—roundabouts, parks, and intersections—into hubs of celebration. By creating interactive environments, the campaign encouraged residents to gather, participate, and make lasting memories amid the lights.

    This year’s festive illuminations carry a broader civic dimension as well. The Lagos State Commissioner for Tourism, Arts and Culture, Mrs Toke Benson-Awoyinka, formally launched the 2025 “Light Up Lagos” Festive Illumination at the Chief Obafemi Awolowo Monument on Obafemi Awolowo Way in Ikeja. The initiative aims not only to beautify the state but also to boost tourism, strengthen community bonds, and reinforce Lagos’s identity as a centre for culture, entertainment, and innovation. Government officials, brand ambassadors, creatives, and residents gathered to witness the ceremonial switch-on, marking the start of illuminations across key corridors and public spaces.

    The commissioner highlighted that these displays go beyond aesthetics. They align with the state’s broader THEMES Plus agenda—an integrated strategy designed to promote tourism, enhance social cohesion, and position Lagos as a global cultural hub. The lights lining Obafemi Awolowo Way and other landmarks are intended to symbolize unity, shared joy, and collective pride. In addition, festive activations create safe, family-friendly spaces, stimulate local commerce, and provide exposure for creatives whose work benefits from increased public engagement during the holiday season. Maltina’s sponsorship was cited as a notable example of corporate social responsibility, demonstrating how sustained public-private collaboration can expand the state’s cultural and tourism economy. Residents are encouraged to explore displays responsibly, participate in organized activities, and support local enterprises that thrive during the festive period.

    Street lighting and urban transformation

    While seasonal decorations draw immediate attention, the ongoing transformation of Lagos’s street lighting has redefined the city’s night-time environment year-round. As Africa’s largest urban centre, Lagos has historically relied on noisy generators and an unreliable electricity grid. Today, solar-powered streetlights are reshaping the cityscape, providing safety, visual appeal, and sustainable energy solutions.

    The initiative is part of a broader vision under Governor Babajide Sanwo-Olu’s THEMES agenda. Through the Light Up Lagos Solar Streetlight Initiative, implemented by the Lagos State Electrification Agency (LSEA) under the Ministry of Energy and Mineral Resources, more than 22,000 solar-powered streetlights are being installed across the metropolis. These lights illuminate highways, bridges, and residential areas, transforming the nocturnal cityscape and enhancing public safety.

    The convergence of festive illumination and permanent urban lighting reflects a strategic blend of culture, sustainability, and civic planning. While Christmas lights bring joy and draw crowds, solar-powered streetlights create a lasting impact, making Lagos brighter, safer, and more inviting beyond the holiday season. Together, these efforts signal a city investing in both celebration and long-term urban transformation, demonstrating how vision, partnerships, and technology can enhance the quality of urban life.

    For decades, Lagos relied heavily on the national grid and diesel-powered lamps to illuminate its streets at night. The system was costly, erratic, and environmentally detrimental, often leaving major thoroughfares shrouded in darkness. The solar streetlight initiative represents a decisive shift, harnessing renewable energy to improve urban safety, visibility, and sustainability.

    Each solar streetlight functions as a self-sufficient unit, capturing sunlight by day and storing it for illumination at night, independent of the grid or fuel sources. Designed to operate for multiple days without direct sunlight, the units address the chronic unpredictability of electricity supply in the megacity. Beyond simple illumination, the installations integrate modern urban management features: NightSUN solar units equipped with smart monitoring systems, GPS tracking, and extended warranties contribute roughly 6MW of renewable solar capacity and 24.5MWh of energy storage to Lagos’s infrastructure.

    The network now spans major corridors, including Governor’s Road at the Alausa Secretariat, Mobolaji Johnson Way, Herbert Macaulay Way in Yaba, Bode Thomas Road in Surulere, Market Street Oyingbo, Iddo, Eko Bridge, Marina Bridge, and the Lekki–Ikoyi Link Bridge. Additional deployments are underway along Ikorodu Road, Mobolaji Bank Anthony Way, Ikeja Bridge, Western Avenue, and the Gbagada–Oshodi expressway. Under the policy guidance of the Ministry of Energy and Mineral Resources, led by Mr. Biodun Ogunleye, and the technical oversight of Engr. Kamaldeen Abiodun Balogun, the project reflects a long-term vision for clean, sustainable energy aligned with urban planning and the city’s broader energy policy.

    Once notorious for poor visibility after sundown, the corridor from Third Mainland Bridge to Berger on the Lagos–Ibadan Expressway has undergone a remarkable transformation. Previously dim and unevenly lit, the route presented hazards for motorists, discouraged nighttime pedestrian activity, and forced street traders to close early. Headlights alone were insufficient for safe navigation.

     Today, solar lamps line the artery, illuminating the entire stretch from Eko Bridge through Iddo, Yaba, Oyingbo, Surulere, and onward to Berger. The lights have converted once shadowed zones into well-lit thoroughfares pulsing with activity after sunset. Street traders, pedestrians, and commuters alike now experience increased safety and accessibility, while the steady glow of the lamps reshapes how the city moves and breathes at night. The presence of reliable illumination alters urban behaviour. The city’s edges soften, encouraging people to look around, linger, and interact. Movement becomes less constrained by fear, and public spaces emerge as vibrant, navigable environments even after dark.

    During the Christmas season, the effect is magnified. Seasonal decorations layered across the cityscape shine against the steady white light of solar lamps, enhancing both safety and aesthetic appeal. Lagosians pause to admire displays, take photographs, meet friends, and move through the city with confidence. From Third Mainland Bridge to Berger and from Ikoyi to Victoria Island, the roads carry more than traffic—they carry life, commerce, and the joy of celebration.

    The solar streetlight initiative demonstrates the intersection of technology, policy, and urban experience. By combining renewable energy with strategic planning, Lagos has not only improved night-time visibility but also created a foundation upon which cultural celebrations, community gatherings, and economic activity can thrive. In this context, Christmas lights do more than dazzle—they build upon a visible, enduring infrastructure that reshapes the rhythm of the city, proving that investment in sustainable illumination is an investment in safety, civic pride, and urban vitality.

  • Community learning hubs restoring hope to out-of-school children

    Community learning hubs restoring hope to out-of-school children

    Across Kano, Jigawa and Kaduna states, the Partnership for Learning for All in Nigeria (PLANE) is transforming education through over 200 community learning hubs. These safe, inclusive spaces provide foundational literacy and numeracy skills to more than 25,000 children, including many previously out-of-school. By combining flexible learning, community engagement, and practical support, the hubs are reintegrating learners into schools, bridging gender gaps, and fostering a culture that values education for all children, reports FRANK IKPEFAN

    Across northern Nigeria, millions of children remain excluded from formal education due to poverty, cultural resistance, insecurity, and limited access to schools. For many families, survival takes precedence over schooling, leaving young children to trade, beg, or work instead of learning the basic literacy and numeracy skills essential for their future. One such child is 11-year-old Hussaina, who spoke with our correspondent.

    Every morning, she sets out to sell yams, a staple given to her by her parents, at Kachako market, a suburb in Takai Local Government Area of Kano State. Selling yams had become her daily routine, and her dreams of receiving a western education were slowly fading—until help came through a community learning hub. “I was hawking yam. My parents did not want me to go to school, but later some people helped me get a uniform, and I started attending,” Hussaina said.

    In communities like Kachako, quiet but powerful efforts are reshaping the narrative. Locally driven initiatives such as community learning hubs are offering children who once had no path to education the opportunity to learn, grow, and reimagine their futures. These programs operate with the support of parents, religious leaders, and volunteers who increasingly see education as a shared responsibility.

    Resistance to formal education has contributed to a sharp rise in out-of-school children in northern Nigeria. UNICEF data show that, as of 2023, more than 15.2 million children in the region—about 85 percent of the national total—are out of school. States such as Kano, Katsina, Bauchi, Sokoto, and Kebbi face the greatest challenges, including poverty, insecurity, and inadequate infrastructure.

    According to Rahama Farah, Chief of UNICEF’s Kano Field Office, northern Nigeria continues to face a daunting education crisis, with Kano alone accounting for nearly 900,000 out-of-school children, Jigawa over 330,000, and Katsina more than 300,000. Collectively, these three states represent 16 per cent of Nigeria’s estimated 10.2 million out-of-school children.

    Many of these children lack foundational skills in reading, writing, and mathematics, leaving them ill-prepared for an increasingly competitive world. Despite primary education being officially free and compulsory, roughly 10.5 million Nigerian children aged 5–14 remain outside the formal education system, missing critical opportunities to develop academically and socially.

    Recently, Prof. Ango Abdullahi, Chairman of the Northern Elders’ Forum and former Vice-Chancellor of Ahmadu Bello University, Zaria, described the situation as a national emergency, particularly in the areas of education, infrastructure, and economic inclusion. He criticised successive administrations for failing to address the North’s growing population of out-of-school children, citing inadequate funding and misplaced national priorities as major contributors to the crisis.

    Abdullahi emphasised the scale of the challenge, noting that 80 per cent of Nigeria’s 20 million out-of-school children live in the North. “If even half of the N15 trillion national budget were allocated to education, we could ensure no child is left behind. That funding could provide schools, teachers, and learning equipment,” he said. The alarming figures and expert warnings underscore the urgent need for targeted interventions, increased investment, and policy reforms to ensure that northern Nigeria’s children have access to quality education, bridging the gap that has left millions uneducated and at risk of social and economic marginalisation.

    Community learning hubs are beginning to chart a new path of hope. Supported by the United Kingdom Foreign, Commonwealth and Development Office (FCDO) through the Partnership for Learning for All in Nigeria (PLANE) programme, children in Kano, Kaduna, and Jigawa are gaining foundational literacy and numeracy skills. Although originally designed for in-school children, these hubs have attracted out-of-school learners, providing a platform to catch up on missed lessons. Many are eventually mainstreamed into conventional schools, where they can acquire further skills to prepare them for a better future.

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    In Kachako, Almajiri boys—who traditionally study under Islamic clerics—are also participating. Children like Hashimu, who paused formal schooling to attend Islamiyya, are now encouraged to return to school. Every Tuesday afternoon, dozens of children gather at the hub, arriving from all corners of the village and neighbouring communities. Some come straight from school, others from hawking or Islamic lessons. By 3 p.m., the hub buzzes with activity. Trained facilitators guide the children as they recite the alphabet, sing songs, chant poems, count numbers, and practice simple mathematics. Week after week, the Kachako hub has become more than a classroom—it is a space where children look forward to learning, playing, and growing. Here, foundational skills are no longer out of reach, and the cycle of exclusion is being challenged, one child at a time.

    How an Islamic scholar champions western education

    Convincing 57-year-old Mallam Ibrahim Abubakar, a respected Islamic teacher, on the benefits of western education was not easy. “Before, I hated Western education. Before the coming of PLANE, I hated it. I didn’t want any Westerners to come and interfere in my affairs, as I was focused on giving Islamic education to our children,” Abubakar admitted.

    As an Islamic tutor, Abubakar’s strong preference for religious education over formal schooling was not unusual. Across northern Nigeria, religious education has had a significant impact, providing spiritual and moral grounding for children and instilling values such as honesty, hard work, compassion, and justice. It has also strengthened community bonds, giving children a shared cultural and religious identity.

    However, relying solely on religious education without integrating it into the broader national educational system can limit children’s opportunities. Recognizing this, Abubakar gradually embraced the idea of blending Islamic and western education. Today, he has generously donated his compound for use as a community learning hub. “I was happy to give my space for promoting education in my community, as finding a place here in Kachako that is centrally located, accessible, and spacious enough for dozens of children is difficult,” Abubakar said.

    Now popularly referred to as the Kachako hub landlord, Abubakar has witnessed the positive outcomes of combining formal and religious education. He notes that Almajiri children, who previously attended only his Qur’anic classes, are now benefitting from a broader curriculum. “I’m very, very happy to see that PLANE has so many plans concerning children’s education. I realise they are giving a good chance for our children to learn. Nowadays, it’s important for young ones to learn Western education together with Islamic education. They will grow up with wide knowledge, which will help them become good citizens and scholars,” he told our correspondent.

    Results show children now learning and thriving

    The Kachako community learning hub is a product of collective effort. It brings together the Kano State Universal Basic Education Board (SUBEB), which coordinates basic education in the state, the School-Based Management Committee (SBMC), which mobilises community ownership, Social Mobilisation Officers (SMOs), and volunteer facilitators who teach the children.

    With Abubakar’s compound meeting the necessary specifications for a hub, the Social Mobilisation Officer for Takai LGA, Halima Shehu, and her colleagues were able to launch the hub with confidence. Parents, guardians, community leaders, and other religious teachers have also played critical roles in supporting the initiative and encouraging children to attend. “We started with only five learners. But with more sensitisation and community outreach, we grew to 20, then 50. Today, more than 200 children attend the learning hub,” Halima said, highlighting how advocacy and awareness encouraged parents to allow their children to participate.

    Halima added: “Up to 70 out-of-school children approached me to be enrolled in a regular school. With the help of the SBMC, they have been enrolled in different primary schools. Some in Kachako, and some in Takai North. Meanwhile most of them still come here after school for the experience of the learning hub.

    “As we all know, Islamiya is mainly religion based and they meet either in the mornings or evenings. The tutors were impressed by the idea that in addition to the religious instruction, the learning hub would provide an opportunity for learning literacy.”

    Tasiu Sabo, 35, the main facilitator at the Kachako hub, expressed delight at the progress. He credited PLANE’s training, community outreach, Abubakar’s generosity, and the collective efforts of volunteers and local leaders for enabling previously underserved children to acquire essential skills. “The children have learned how to read, write, and do basic mathematics. Many of them, including those already enrolled in school, couldn’t read or write before. Some Almajiri learners had never been to school at all. Others return from hawking or Islamic lessons, and at first, some were reluctant to come. But when they saw us providing exercise books and pencils, they returned. Some children now refuse to hawk during lesson hours. They enjoy coming here to learn, and seeing their enthusiasm is very rewarding,” Tasiu said.

    The children are not only gaining foundational literacy and numeracy skills, the aim of eventually mainstreaming the Almajiris and other out-of-school children into conventional schools is also being achieved through the hub. Through Abubakar’s vision and the combined efforts of the community, the Kachako hub has become a transformative space. It demonstrates how bridging Islamic and western education can provide children with a solid foundation for lifelong learning, preparing them to thrive in both their communities and the wider world.

    Scaling impact across states

    Across Kano, Jigawa, and Kaduna states, the Partnership for Learning for All in Nigeria (PLANE) has supported the establishment of over 200 community learning hubs, creating safe and inclusive spaces where children can gain foundational literacy and numeracy skills. Through targeted advocacy, flexible learning schedules, and strong community ownership, these hubs have reached more than 25,000 children, including many who were previously out-of-school. For numerous learners, the hubs have served as a bridge, helping them reintegrate into conventional schools and providing a foundation for long-term educational success. As more communities adopt this model, the initiative is not only improving literacy and numeracy but also fostering a culture that values education for all children, regardless of gender, background, or socio-economic status.

    In Jigawa State, Hafsat Mohammed, a dedicated learning hub facilitator, described her motivation for volunteering: “The reason I give my time to help my brothers and sisters through the learning hub is to reduce their struggles and also reduce begging in the community. Since establishing this hub, more children are going to school now.” Hafsat’s commitment exemplifies how local ownership and personal investment can transform the educational landscape for vulnerable children.

    “We started this community learning hub in 2022, with 30 pupils – 10 boys and 20 girls. With the help of our local government and also PLANE, our pupils are now 100. We really appreciate the kind of progress that we have made.

    “The hub supported some children, about 30, to start attending school. These children were not attending school before. We are trying our best to see that they learn more with the help of the local government secretary who provided more materials to see that the children improve more.

    “I have a passion for teaching in my community. It is part of giving back to my community. The PLANE training ignited my passion and interest and gave me an opportunity to serve my community,” she added.

    In Kaduna State, the learning hub programme has also helped reintegrate out-of-school children and dropouts. Faiza Abdulmumin, volunteer facilitator for the Hauwa Cluster, shared the impact: “We made the parents of these children understand the importance of education and encouraged their children to go to school. In this learning hub, we currently have 200 children—120 girls and 80 boys.”

    Faiza, who serves as the Social Mobilisation Officer in Sabon Gari Local Government, highlighted the tangible impact of the community learning hub programme. “Through the learning hub initiative, we have successfully reintegrated about 142 out-of-school children back into formal education,” she said. “Beyond enrolment, we have also engaged community philanthropists to provide school uniforms, writing materials, and other essentials for the children. For instance, the Vice-Chairman of Sabon Gari personally enrolled five children and provided them with uniforms and learning materials, while the District Head supported 50 children with school uniforms.”

    She emphasised the hubs’ critical role in addressing gender disparities in education. “Through the learning hub, we have observed a significant increase in girls returning to school. Families are beginning to see first-hand the benefits of educating their daughters, and this is gradually shifting long-standing cultural perceptions around girls’ education,” Faiza explained.

    Traditional leader and School-Based Management Committee (SBMC) Chair in Sabon Gari, Zaria, Kaduna State, Garba Galadima, described the initiative as a powerful catalyst for community engagement and self-reliance. “The Community Learning Hub has instilled a deep sense of communal responsibility. Local leaders are mobilising resources independently, demonstrating that impactful education interventions do not always have to rely on external government support,” he said.

    Galadima, a dedicated reading ambassador, recounted the transformative impact on children and families. “The provision of uniforms, sandals, and learning materials, achieved entirely through community effort, underscores the potential of grassroots initiatives to drive sustainable change. Parents, after returning from farms or daily labour, often gather to observe the learning sessions. This involvement fosters a sense of shared responsibility and pride.”

    He elaborated on the unique advantages of the informal learning environment: “The learning hub, by its very nature, allows children the freedom to showcase their talents, intellect, and creativity. They are not inhibited by the rigid structures of formal classrooms. Children who might have taken a year or more to grasp basic literacy and numeracy concepts are now performing at levels comparable to primary three or four students. It is remarkable to see their confidence grow as they explore and express their abilities.”

    Galadima also reflected on the broader social and psychological impact of the hubs. “One of the most profound experiences has been witnessing physically challenged children engage in reading, writing, and artistic activities. These children, often marginalised, have found in the learning hubs a platform for inclusivity and empowerment. Their achievements bring immense joy and challenge the societal neglect they have faced for years.”

    He further emphasised the lessons learned by the SBMC through the PLANE programme: “The greatest impact has been our ability to advocate and mobilise local resources. We have realised that we do not have to wait for the governor, commissioner, or high-level officials to intervene. The programme has equipped us with the skills to address minor challenges locally. This approach is essential because government resources are often limited and stretched across competing priorities.”

    Galadima observed that the initiative has also created a meaningful channel for understanding community sentiments. “Engagement at the grassroots level has revealed unspoken expectations and concerns among residents. We have seen that interventions like PLANE can indeed catalyse positive change, not just in education but in social cohesion and community confidence. It empowers communities to recognize their own agency in shaping outcomes for their children.”

    In conclusion, both Faiza and Galadima stressed that the Community Learning Hubs are more than educational spaces—they are incubators of hope, empowerment, and communal pride. They are transforming perceptions of education, nurturing the talents of marginalized children, and proving that when communities are mobilised and supported, sustainable progress is possible. “These hubs remind us that change begins at home, within our communities, and that every child, regardless of circumstance, deserves the opportunity to learn and thrive,” Galadima said.

    By combining community engagement, advocacy and practical support, PLANE’s learning hubs are demonstrating a scalable model for inclusive education. They are not only restoring access to education for children who had missed out but also reinforcing the broader value of education in communities across northern Nigeria. With continued investment and local ownership, these hubs are poised to transform the educational prospects of thousands more children, creating a future where learning is accessible, equitable and empowering for all.

  • Banking with tears: How the visually impaired struggle for equal access

    Banking with tears: How the visually impaired struggle for equal access

    Inclusive banking is one concept that financial sector leaders are never tired of discussing. But in practice, not much is being done to advance the practice and improve the banking experience of customers, especially the blind and visually impaired customers of banks. The Central Bank of Nigeria (CBN’s) exclusion of braille feature in naira banknotes design and failure of banks to include Braille and Interactive Voice Response (IVR) features in internet/mobile banking applications and Automated Teller Machine (ATM) for visually impaired are pain-points that erode confidence in the financial system. Assistant Editor COLLINS NWEZE captures blind customers’ pains in accessing financial services and stakeholders’ inability to meet their demands.

    Olurotimi Olubodede, a Ph.D. student at Nasarawa State University, Keffi, Nasarawa State, is not interested in any of the N5.01 trillion naira notes circulating in Nigeria. To him, they are merely pieces of paper—unidentifiable and unusable for meeting the banking needs of the visually impaired.

    Olubodede, who is blind, is frustrated that the interests of approximately 1.2 million Nigerians, born blind or who became blind over the course of their lives, are overlooked in key financial sector policies, including the design of the naira. He lamented that current banknotes lack tactile or other features that would make them accessible to the blind. This omission adds to the numerous barriers that make it difficult for visually impaired individuals in Nigeria to access financial services.

    A Lecturer in the Mass Communication Department at Adekunle Ajasin University, Ondo State, Olubodede said he intends to sustain the fight against the restriction or outright denial of banking services for the blind through advocacy and dialogue with banks and regulatory institutions. “Being born blind yet educated, I have experienced almost everything life could offer—the good, the bad, and the ugly,” he said. “I will continue to speak for visually impaired customers who are often neglected and unheard in this country.”

    Olubodede argued that discrimination based on visual impairment—including denial of equal access to financial services—not only violates universal human rights but also undermines business performance and economic growth. He emphasised that blind individuals are integral to building stronger economies, and there is a clear business case for their inclusion. “With the advent of technology, everyone else is enjoying seamless banking services except the blind. We have repeatedly urged banks, including the major ones, to invest in technology that protects our accounts and enables independent transactions, but to no avail,” he lamented.

    Although he cannot see, Olubodede is acutely aware of the emergence of fast, secure, and seamless digital banking services. He recounted an incident at the Ikare, Akoko branch of a new-generation bank in Ondo State, where he was initially denied a replacement ATM card because he could not produce a work ID. The branch manager eventually issued the card but noted, “I am issuing this card because of your working place.” Olubodede concluded that the visually impaired are routinely denied access to quality, technology-driven services, and in the rare cases when such services are provided, the conditions often compromise their safety and the security of their funds.

    State of the industry

    The CBN Governor, Olayemi Cardoso, announced that Nigeria has extended its Payment System Vision roadmap from 2020 to 2028, reflecting an ambitious commitment to modernize the country’s payments infrastructure and strengthen cybersecurity. He noted that more than 12 million contactless payment cards are now in circulation. Additionally, the regulatory sandbox has expanded to include over 40 fintech innovators, providing a platform for safe experimentation and the responsible scaling of new digital finance solutions. “Revised agent banking guidelines have tightened anti money laundering controls, including geo fencing of high risk areas, while improving consumer protection at the last mile. Integration across switching companies has improved, bringing Nigeria closer to seamless domestic interoperability,” he said.

    According to Cardoso, Nigeria, supported by these measures, currently stands among Africa’s most advanced digital payments markets, with a dynamic fintech ecosystem that has produced eight of the continent’s nine unicorns. He added that by mid-2025, leading fintech apps had surpassed 10 million downloads each, with one surpassing 50 million downloads, reflecting deep consumer adoption

    Despite these milestones, findings showed that the visually impaired customers of Wema Bank, Access Bank, Ecobank Nigeria, Fidelity Bank, Unity Bank, Union Bank, Keystone Bank, among others have continued to complain about the quality of services they receive from the banks.  Many of these banks have stopped Interactive Voice Response (IVR) otherwise known as telephone banking for the blind to save cost. They also deny blind customers opportunity to have access to ATM cards. Aside from technology deprivation, many banks prevent them from entering their banking halls with guide-cane or white-cane meant for them to navigate their ways. The banks are also denying visually impaired customers access to loans, even when they have collaterals.

    More victims narrate their experiences

    National President, Nigeria Association of the Blind (NAB), Stanley Onyebuchi, agrees with Olubodede. For him, banks have failed to ensure the services they provide align with the lifestyle of all categories of customers. Onyebuchi listed the inability of visually impaired customers to access ATM cards, banks’ apps not developed with features that support their use by visually impaired customers and outright denial of banking services to his members.   “We have written twice to the CBN itemising these complaints but got no rely. It is unfortunate that the apex bank is not doing enough to ensure that banks provide the right services to the visually impaired customers.

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    “Our members have continued to complain about banks refusing to issue them ATM cards. In the United States, and United Kingdom, and other advanced countries, the story is different. In those countries, a visually impaired cardholder will just insert his/her headphone, and the ATM will be telling him/her what to do until the transaction is completed,” he said.

    According to him, “the visually impaired also have challenge using writing pen and the Nigerian banks are not accepting thumb printing.  Many of us have irregular signature, unless we use stamp, which also carries its own risks of being used by third parties. Many of us cannot afford android phones to be able to read bank alerts on our phones. For the visually impaired, banking has become a nightmare,” he said.

    David Okon, a visually impaired customer and Executive Member, NAB, said it is unfortunate that some banks are asking visually impaired customers to complete an indemnity form, that is stamped in the court before an account can be opened for them. He said: “Why will banks impose such huge cost on their visually impaired customers? Something they cannot do to other customers who have no such disabilities. We are working to ensure that such practice stops to allow everyone easy access to financial services.”

    Okon, a staff of one of the Tier-1 banks in Nigeria, also narrated how some banks deny visually impaired customers access to internet banking and ATM services. He said: “The challenge is that the banking system does not have uniform policy on how to serve visually impaired customers. The services we get depend on which bank branch one visits, who the customer service person is and his/her dispositions. There is no binding policy that guides financial services provision to the visually impaired.”

    Mrs. Patience Okafor, a member NAB, narrated her experiences with her banks. “If I don’t fill my pay slip before I walk into the banking hall, getting someone to do it for me is going to be a challenge. Another problem is access to the bank. Some of us move with the guide canes which cannot pass the electric doors installed at the entrance of the banking halls,” she said. Continuing, Mrs. Okafor said sometimes, she had to drop her cane behind, or talk to the security personnel to disable the entrance door before she can go in with the cane.

    A visually impaired customer of Access Bank and Convener, Hope and Life for Disabled Persons Foundation (HALFDIPEF), Abiodun Erugbaju, spoke on horrendous experience he had during one of his visits to the bank. “How would you feel when you discover that there are no voice guidance and tactile keyboards on the ATMs your bank expects you to use. Or there is no screen reading software in terms of online banking that enables the computer to speak everything that appears on the screen. Or hearing a customer service officer ask a colleague, who will be operating the bank account for him?” These, he said, were some of his experiences in banks, almost on daily basis.

    He went further: “Sadly though, the customer service officer was not even asking me directly, she was asking a colleague. When I heard it, I felt bad, and quickly told her that the question was ridiculous. If you want to ask this type of question, you should ask me. Not a third party that does not know about me. She is not my brother or someone that knows me. “Asking a stranger who will be operating my account for me is derogatory. Which means I can’t do that even as a master’s degree holder? I brought out four different ATM cards and told the customer service officer that the card she has just given me will make it the fifth that I have at the moment. Then, I told her that she had just insulted me by that question,” Erugbaju narrated.

    Erugbaju said although the CBN has consistently advised banks and financial institutions to provide ATMs that are accessible to and independently useable by individuals who are blind, the banks have largely ignored the directive. “There should be more sensitization of the visually impaired and other members of the society on the workings of digital payment. I have not seen that level of seriousness on the part of the CBN educating people with sight, left alone the visually impaired,” he said.

    Also speaking, a visually civil servant based in Lagos, Mrs. Zaria   Abdul, said there are so many things she wanted the financial sector to improve on. She said she cannot use the ATMs because of difficulties in accessing the keys, adding that banks should put some signs on the ATM that identify the numbers on the keypad and well as the notes. “I was at Wema Bank the other time, and I had to call the security man to assist me with my account number. And you know the account number is supposed to be private, but I have to disclose it just to get the transaction done,” she said.

    According to her, adding Interactive Voice Response will make it easier for visually impaired customers to listen and follow instructions in carrying out their transactions, instead of relying on third parties. Mrs. Abdul said although she has not been a victim of ATM fraud, many of her friends have been defrauded by the very people they trusted with their ATM cards and PINs.

    A member of the Disability Policy and Advocacy Initiative (DPAI), Moses Adigun, who is also blind, supported Erugbayi’s argument saying the banks need to provide software tools that would enable them use internet banking facilities. He said the ATMs are not well equipped for the blind. He said that the banking halls not accessible, with many of them with inadequately measured ramps, and greater number without any.

    “The ATMs are not equipped to give me my account balances, buy air airtime, pay utility bills among other services,” he said. For him such inadequacies have discouraged him from using the banks adding that bank notes are not recognisable to the blind.

    “Look at the polymer notes we are using now. I don’t know how to differentiate between N5, N10, N20 and N50. They all have same texture and feature.  As far as I am concerned, they are all the same. If the CBN wants to create the needed features, it can do it. But the bitter truth is that they do not even think that some people are disabled. We are the ones affected, but some of them may be disabled one day. Challenges can visit anybody just like rain can fall at any time without announcements,” he said.

    Michael Kamya, Executive Director of the Union for the Blind, which operates in Lagos and Nairobi, Kenya, also recounted his experience with Barclays Bank Uganda, where his request for a $10,000 salary advance loan was declined. He said: “I applied for a loan and they said your organisation did not qualify when we did the qualification sampling. Then I said no problem, I am not qualified, but one of my staff who is not disabled applied for the loan and got it. I am the chief executive officer of the organisation where she works, how come I was not qualified? What is the problem so that I rectify it so that other staff will not be denied when they apply?

    “They said I was just not qualified. Then I said, can you put what you are telling me in writing? The bank said no. Then, I contacted my lawyer who wrote them. They sensed there was big trouble when I kept writing them, up to three times. They gave me the loan. I was contemplating dragging them to court before they responded. They just sensed I was on the move.”

    Kamya, who spoke while attending a conference in Ikeja, Lagos, called for continuous advocacy to draw the attention of the authorities to the various challenges faced by Persons with Disability, especially the blind. He said challenges faced by the blind differ from bank to bank, but the issues have to do with discrimination, poor customer services and outright denial of banking services. “Some banks don’t think that I am eligible to have a bank account. Some banks do not accept thumb prints thereby excluding the blind that may not be able to sign with a pen. Sometimes, it may have to do with ignorance by the staff of the banking institution. Some banks even think that as a visually impaired person, one is not entitled to a loan. There are also issues around bank notes not being accessible to blind users who will not be able to differentiate one currency from another. I have seen these practices in Lagos, Kenya and Uganda,” Kamya stated.

    Views from other stakeholders

    President of the Bank Customers Association of Nigeria, Dr. Uju Ogubunka, said banks are not doing enough to ensure that visually impaired persons are financially included. He said banks should make messages about their products and services available to the blind in a manner they can understand them. He called on stakeholders to work towards ensuring the effective inclusion of the blind in empowerment programmes that would have positive behavioural change on their relationship with banks.

    Ogubunka, who was also former Registrar, Chartered Institute of Bankers of Nigeria (CIBN), said the exclusion of the visually impaired from the design, planning, implementation, monitoring and evaluation of government policies on key issues that affect their lives is highly disturbing. He said there is also need to include the visually impaired persons in national and state strategic plans and other relevant policy documents on banking operations, telecom and reproductive health, which he said, constitute major concern to stakeholders. For him, Nigeria banks can develop homegrown solution to provide quality services to their visually impaired customers. The banks, he added, can also borrow ideas from advanced countries on how they are meeting the banking needs of their blind customers.

    A source in Ecobank Nigeria who asked not to be named because he was not authorised to speak on the matter said the bank’s ATMs have voice prompt that enables visually impaired customers to carry out their transactions seamlessly. “Our online plan is to accommodate people with disabilities and ensure they have the best of services. All the Ecobank ATMs nationwide will have voice prompt,” the source said.

    For Erugbaju, what is needed is stakeholders’ dialogue, adding that sitting back and making policies without talking to those directly affected by it, will not produce the desired results. According to Kamya, governments at all levels need to be consulting with disabled persons when making policies that affect their lives and finances. “We have a slogan that says ‘Nothing for Us Without Us’ meaning that we are the better advocates for ourselves. So, we need to be part of whatever policies that are designed for us. There is also need for more sensitisation in the banking sector so that their staff look at us as human beings,” he advised.

    Other stakeholders advocated for the inclusivity and accessibility of blind people’s needs, not just to banking services but also to information, safe use of public infrastructure, public transport system, access to qualitative and functional inclusive education, attainment of fully independent living, inclusion into political and socio-economic activities among others to promote equitable and sustainable society.

  • Judgment won, justice lost: Inside Nigeria’s broken enforcement system

    Judgment won, justice lost: Inside Nigeria’s broken enforcement system

    • Why court victories mean little to many citizens

    Many litigants have had to endure the hidden crisis and the broken chain of judgment enforcement in Nigeria. After going through the torturous journey of court victory, the real frustration begins: the elusive fruit of a favourable judgment. From corruption and bureaucracy to government impunity, JOSEPH JIBUEZE examines why enforcing judgments remains one of the justice system’s weakest links.

    In Nigeria’s justice system, winning a case after many years in court is often the easy part. Enforcing the judgment is the real tough nut.

    Across the country, thousands of court judgments, some against private companies, others against government agencies, sit unenforced, trapped in a legal limbo where victory brings no relief and court orders command no obedience.

    “Court orders are not respected in Nigeria. This is one pain I live with as a legal practitioner in this country,” said activist-lawyer Festus Ogun.

    From commercial disputes to labour cases, from compensation awards to fundamental rights enforcement, litigants routinely discover that the law’s authority ends where enforcement begins.

    Former Vice President Yemi Osinbajo (SAN) captured the frustrations: “Often, judgment creditors will abandon enforcement because of the high cost and low success rate…”

    The consequences are devastating. Families bankrupted by prolonged litigation find that their “victory” cannot pay hospital bills or school fees.

    Businesses that survive years in court collapse while waiting for judgments to be honoured.

    For many, the failure of enforcement is not just a legal problem; it is an economic sentence.

    Lawyers describe the process as a maze deliberately designed to exhaust claimants. Court registries delay the issuance of enforcement documents. Sheriffs demand unofficial fees.

    Police officers refuse to act without “clear directives.” Government agencies invoke bureaucracy, budgetary constraints, or outright silence.

    In some cases, enforcement is treated not as a right flowing from judgment, but as a favour to be negotiated.

    Unpalatable experience

    In 2005, a governor in a Northcentral state sent teachers back to their states of origin.

    The teachers briefed Jibrin Okutepa (SAN) to challenge the action.

    On February 18, 2008, judgment was delivered in favour of the teachers.

    The court ordered that they be reinstated and their salaries and allowances be paid to them.

    Okutepa said: “From 2008 to date, the state government is yet to obey the judgment.

    “Under the law, these people have the right to enforce the judgment. We have been trying to do so on their behalf since, but we have met one legal antics or another, all being employed by lawyers.

    “We have been facing obstacles deliberately put in place by lawyers who have allowed themselves to be used as instruments to obstruct the course of justice.”

    Other lawyers cry out

    Even the outcomes of arbitration, considered a preferred alternative to litigation, are far from certain.

    A Senior Advocate of Nigeria/Queen’s Counsel, Prof. Fidelis Oditah, has been trying since 2011 to enforce an arbitral award in the case of AIHL vs Meridien.

    The enforcement was challenged all the way to the Supreme Court.

    “As we got a bailiff to execute judgment, the judgment debtor brought fresh proceedings in 2023 to restrain enforcement.

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    “That proceeding has not been argued. Since June 2025, there have been six adjournments.

    “No system can function like that or serve public interest if it is this ineffective,” Oditah regretted.

    A lawyer, Mr Afam Nwokedi, faulted the ugly practice of disobeying judgments by some agencies of government.

    He recalled that he was yet to get the benefits of a judgment his client got against the Nigerian National Petroleum Company Limited.

    He said NNPC was yet to comply with a 2019 Supreme Court judgment, alleging that a petroleum tanker and other items ordered to be returned to his clients have not only been withheld but have now gone missing.

    Nwokedi was referring to the Supreme Court’s decision in Suit SC/167/12, between the Federal Government of Nigeria (FGN) and Jamiu Adeniyi & five others, delivered on February 21, 2019.

    The case arose from the prosecution of the defendants for alleged vandalisation of an NNPC pipeline and illegal procurement of Premium Motor Spirit (PMS).

    Five of the six defendants were initially convicted by the Federal High Court, Ilorin Division.

    Following the conviction, the trial court ordered that a Mac tanker with registration number XC 338 JJT, N3.35 million, and 17,000 litres of petrol tendered as exhibits be deposited at the Ilorin Depot of the NNPC and held in the custody of the Federal Government.

    However, the Court of Appeal later set aside the conviction, discharged and acquitted the defendants, and ordered the NNPC to return all seized items to them.

    Dissatisfied, the Federal Government appealed to the Supreme Court, but the apex court unanimously dismissed the appeal, affirming the Court of Appeal’s judgment and again directing NNPC to release the properties.

    Nwokedi said: “Despite the clear and unambiguous order of the Supreme Court, NNPC has refused to comply since 2019.”

    Several formal requests by his firm, Stillwaters Law Firm, have been ignored, he lamented.

    He further alleged that investigations revealed the brand-new tanker had disappeared from the Ilorin depot, accusing the oil company of deliberately frustrating the enforcement of the judgment.

    “NNPC has chosen to play the ostrich game, hoping the demand for compliance will simply fade away,” he said.

    According to Nwokedi, the affected clients have now instructed their lawyers to initiate a fresh action for damages and commence contempt proceedings against the leadership of NNPC Ltd, the Nigerian Pipelines and Storage Company (NPSC), and other relevant affiliates.

    “The rule of law demands obedience to court judgments. No institution is above the law,” he said.

    According to him, the government itself has benefited from Supreme Court judgments, so it is wrong for its agencies not to comply with decisions of the highest court in the land.

    How judgment enforcement is frustrated

    A legal expert, Dr Emmanuel Sani, who has been involved in many judgment enforcement actions, identified deep-seated legal, institutional, and political obstacles that undermine the process.

    He warned that many litigants still end up with “paper victories” long after securing favourable rulings from the courts.

    Sani said enforcement becomes most problematic once the judgment debtor is a government body, particularly agencies under the executive arm.

    “The most difficult aspect of it is where you get judgment against government entities, or a specific arm of government itself,” he said.

    According to him, matters involving the military, police and paramilitary agencies are especially challenging because conventional enforcement mechanisms are largely ineffective against security institutions.

    “When you are dealing with the executive arm of government, specifically the military, the police, or other paramilitary institutions, enforcement becomes almost impossible,” Sani noted.

    He explained that although the law provides several methods for enforcing judgments, including writs of fieri facias (fi fa), writs of possession, and garnishee proceedings, these mechanisms often fail in practice when applied to security agencies.

    Citing a case in which his client obtained a judgment against the Nigerian Navy for breach of fundamental rights, Sani questioned how such judgments could realistically be enforced.

    “How will you go and fi fa the property of the Navy, which are very critical security infrastructures?” he asked.

    He further illustrated the impracticality of deploying enforcement officers to military installations.

    “Will you carry policemen to go to Nigeria Navy headquarters to attach either a tank, a building or stationery?” he queried.

    According to him, court sheriffs lack the independent capacity to enforce judgments and must rely on the police for protection, creating a structural contradiction.

    “The court has no specialised armed guard. You still have to resort to the police,” he said.

    Judgments involving land or property recovery fare no better when government agencies are involved.

    Sani noted that writs of possession, which are ordinarily effective against private individuals, are rarely enforceable against government bodies.

    “The writ of possession is practically impossible when you are dealing with even a government agency,” he stated.

    Secrecy surrounding government accounts

    Garnishee proceedings, regarded as one of the most effective enforcement tools, are also frustrated by secrecy, particularly where government finances are concerned.

    “The challenge is how do you even get the account number or know the banker of a government agency?” Sani asked.

    He said government institutions often operate multiple accounts across different banks, shielded by administrative secrecy.

    “There are multiple accounts and too much secrecy around these things, even in the civil service,” he explained.

    Sani accused some banks of actively frustrating enforcement processes, especially when powerful corporate or government clients are involved.

    “The bank would rather protect its customer, especially if it’s a corporate customer,” he said.

    He alleged that banks sometimes hide accounts with substantial funds while declaring dormant or low-value accounts to the court.

    In some cases, he said, banks even tip off judgment debtors.

    “They even inform the company and say, ‘this is what to do,’” Sani alleged.

    “There is the secrecy of accounts and the paradox of bankers’ duty of confidentiality to their customers and the duty of disclosure imposed by law in a garnishee proceeding.

    “There are instances where a corporate body and a public institution outrightly close all their accounts with their bankers after such disclosure.”

    Attorney-General’s consent as a bottleneck

    Another major obstacle, according to Sani, is the statutory requirement for the consent of the Attorney-General before enforcing judgments against government entities.

    “You need his discretion for consent on whether or not to enforce. Of course, he will not likely give you consent to enforce against the government he represents,” Sani said.

    Although he acknowledged a recent Supreme Court decision that weakened the requirement, Sani said uncertainty remains.

    “It stands as the law, but still, it doesn’t show some degree of clarity,” he noted.

    Citing the case of CBN v Ochofe (2025) LPELR-80220 (SC), Sani said: “The Supreme Court upheld the requirements for the consent of the Attorney-General before funds of a public body can be attached.

    “However, it considers it a mere procedural requirement. In effect, if it is not raised timeously, it may be deemed waived.

    “That was the position of the majority of the panel. However, one of the justices in his minority decision considered the provision of Section 87 of the Sheriff and Civil Process Act – the requirement for prior consent of the A-G – as unconstitutional.”

    TSA and central bank hurdles

    The Treasury Single Account (TSA) policy has added another layer of difficulty.

    Agencies operating under the TSA keep their funds with the Central Bank of Nigeria, rather than commercial banks.

    “You cannot go to a commercial bank because of a single treasury. You will have to go to the Central Bank,” Sani explained.

    He described enforcement through the CBN as a near-impossible task.

    “That is another Herculean task, except you have insiders,” he said.

    Fraud and insider abuse

    Sani also recounted instances of fraudulent enforcement attempts driven by insider information, including efforts to enforce expired judgments.

    Such abuses, he said, further complicate genuine enforcement efforts and undermine trust in the system.

    “Government officials often demand that the judgment debtor part with as much as 50 per cent of the judgment sum to ensure payment, or they will frustrate every voluntary compliance effort,” he said.

    Culture of non-compliance

    Beyond legal and procedural challenges, Sani identified a lack of voluntary compliance as the underlying problem.

    “The bigger problem is compliance – voluntary compliance,” he said.

    While private companies often negotiate once their accounts are frozen, he said, government agencies typically ignore correspondence until enforcement becomes unavoidable.

    “You would write and write and write, nobody answers you,” he lamented.

    Appeals as a bane to judgment enforcement

    Legal practitioner and arbitrator, Bolaji Adeoye, raised concerns about how the appeal process in Nigeria is often abused to frustrate the enforcement of court judgments.

    He said: “The most difficult part of enforcement of court judgments has been the appeal process used as a decoy to frustrate and perpetually keep the judgment creditor from reaping the fruits of the hard-won judgment.”

    Adeoye explained that this abuse is enabled by the constitutional right of appeal, allowing debtors to indefinitely delay payment.

    “I have watched how judgments involving significant sums in commercial disputes continue to lie in the docket of the appellate courts,” he said.

    Even attempts to enforce judgment through garnishee proceedings or other legal mechanisms are often thwarted because debtors can cite “the pendency of an appeal or an application for Stay of Execution or Injunction pending Appeal.”

    He acknowledged reforms such as Order 4 Rule 6 of the Court of Appeal Rules 2021, Order 6 Rule 3(5) of the Supreme Court Rules 2024, and Section 55 of the Arbitration and Mediation Act 2023, which introduce stricter measures for enforcement and arbitral awards.

    However, he noted widespread non-compliance: “Most judgment debtors do not honour this provision,” which requires payment into a court-controlled account or provision of a bond to obtain a stay of execution.

    Adeoye further highlighted that administrative delays exacerbate the problem.

    “Appeals constitute a perfect strategy for frustrating enforcement of judgment in Nigeria because even if there is no formal order of stay of execution in place, a law-abiding judgment creditor will not proceed to enforce judgment in deference to the Court.”

    He also criticised slow prosecution by appellants, stating: “It is not uncommon to find that many judgment creditors dying during appeals,” as courts adjourn matters for procedural reasons, effectively prolonging the process.

    Grim statistics

    There is no centralised national success rate statistic for judgment enforcement in Nigeria, but available data points to relatively low enforcement in practice, especially in international/regional cases.

    Broader legal environment indicators suggest slow, costly enforcement procedures, which generally correlate with lower effective enforcement outcomes.

    For instance, Nigeria has the highest number of unenforced judgments from the ECOWAS Court of Justice in Africa.

    The Court’s Deputy Chief Registrar, Gaye Sowe, who presented enforcement statistics for the region, said many member states have a long record of not complying with court decisions, but Nigeria has the biggest backlog.

    According to Sowe, Nigeria has 125 cases in total. Out of these, 67 were dismissed, 10 have been enforced, and 48 are still not enforced.

    He added that the number of unenforced cases is now about 50.

    Sowe also explained that the Court has delivered 492 judgments across the 12 active ECOWAS member states, and 192 of them were classified as enforceable.

    A rough implication from the ECOWAS context is that if these figures are representative, enforcement might be less than 10 per cent for those specific regional court judgments, though this is not a general domestic enforcement rate.

    The World Bank’s Ease of Doing Business rankings consistently place Nigeria among the lowest-ranked countries, partly due to the difficulties in enforcing contracts and resolving commercial disputes through the judicial system.

    It says the average cost of enforcing a contract is relatively high, close to 39 per cent of the claim’s value, which can be a significant barrier for businesses, especially domestic SMEs.

    Economic implications

    According to Prof Oditah, the commercial implications of judicial delay are particularly severe for small and medium-sized enterprises, which lack the financial resources to sustain prolonged litigation.

    He added: “For these businesses, legal disputes over contracts, debts, or property rights can become existential threats when resolution takes years rather than months.

    “The resulting economic distortion privileges large corporations with greater litigation capacity while stifling the entrepreneurial activity that drives inclusive growth.

    “The economic costs of judicial gridlock in socio-economic matters thus represent both an immediate business constraint and a long-term development challenge.

    “Justice delayed is justice denied and encourages self-help.”

    Prof. Oditah pointed out that economically, the situation harms investment and impedes economic development.

    “If disputes are unresolved for decades, it means that a key ingredient of the rule of law is missing. The consequence is flight of investment, loss of revenue, unemployment, etc

    “The gridlock also creates weak and unaccountable institutions, which undermine our democracy.

    “Every one of us is familiar with the mantra ‘Go to Court’, because there is no expectation that justice can be obtained from the courts,” Oditah said.

    Osinbajo proposes way out

    Prof. Osinbajo believes the problem can be solved.

    He said: “Often, judgment creditors will abandon enforcement because of the high cost and the low success rate of the post-judgment process of identifying and seizing judgment assets. And that’s a problem.

    “What’s the point of going through a whole legal process, an involved legal process? And at the end of the day, you can’t enforce judgment.

    “Government debts, of course, are even more notoriously difficult to enforce, especially with the mandatory requirement of the Attorney-General’s consent before initiating garnishing proceedings to enforce a monetary judgment…

    “I believe that we can do more, generally speaking, to reform the failing system of enforcement of judgments.

    “The first is to remove the obstacles to enforcement. Reduced judicial discretion or automatic or default enforcement mechanisms is perhaps one of the ways that we can do this.

    “For instance, in the U.S., federal and in many states, once a judgment is entered, execution and garnishments are available without further judicial approval in most cases.

    “So, once you have the judgment entered, it’s almost self-executing from there on.

    “In Singapore, once judgment has been given, judgment is the final step. There’s no longer any judicial interference in the process.

    “The Singapore Supreme Court is said to be one of the most efficient in this respect. They have the sheriff of the Supreme Court who controls and supervises all specialised enforcement officers.

    “This centralised and professionalised system is one reason why domestic judgments in Singapore are considered to be some of the most efficient.

    “I think effective enforcement is a function of executive will. Where executive will is lacking, effective enforcement will also be lacking.

    “The executive branch must see enforcement as a priority. The constitution clearly makes the enforcement of laws, including the judgment of the courts, the responsibility of the executive.

    “I will suggest the establishment by law of a well-trained and armed judgment enforcement corps to replace bailiffs.

    “The law should contain clear operational guidelines, autonomy to act without interference from the police, from security agencies or the military or other armed services, so that this is an enforcement force by itself.

    “See, if you cannot enforce judgments of the court, you can’t really speak of justice.”

    Okutepa: political will needed

    Okutepa reinforced the need for political will.

    He said: “There is an urgent need to address the frustrations in enforcing judgments in Nigeria.

    “The relevant authorities must address the frustrating antics of some lawyers to the enforcement of judgments in Nigeria, particularly lawyers working with the government, and for the government who employ all manner of antics to ensure that judgments of courts are deliberately not enforced.

    “They use all manner of deliberate deception in practice, including filing frivolous applications in the courts to undermine the enforcement of judgments.

    “The Nigerian Bar Association, the Body of Benchers, the General Council of the Bar, the Body of Senior Advocates of Nigeria and of course the relevant legal and professional bodies need to urgently see to it that judgments creditors in Nigeria enjoy the fruits of their judgments without any further obstacles and obstruction by legalistic antics by lawyers that are not rooted in the best interest of justice.

    “This is my appeal. Nigerians do not get immediate remedies under the current justice system.”

    Whether those who benefit from the system will want a change remains to be seen.

    A former NBA President, Olumide Akpata, expressed such fears, warning that reform would be difficult without strong executive leadership.

    He expressed concern that beneficiaries of a broken system may resist change.

    “We’re in a catch-22 situation,” Akpata said, describing a paradox where reform is needed but blocked by those who benefit from dysfunction.

    A lawmaker’s move to intervene

    A senator representing Lagos West, Dr Idiat Oluranti Adebule, is pushing for a sweeping amendment of Nigeria’s Sheriff and Civil Process Act, describing the 1945 law as grossly outdated and unfit for a modern, digital justice system.

    Adebule said the Act is “manifestly outdated” and “disconnected from present realities,” noting that it was enacted during colonial rule and has remained largely unchanged despite advances in technology and legal practice.

    She highlighted absurd provisions such as a clause prescribing 45 kobo as a monthly allowance for debtor prisoners, calling it a stark symbol of how obsolete the law has become.

    Adebule stressed the need to align the justice system with digital reforms already adopted by courts, including e-filing and electronic service of processes, which currently lack firm statutory backing.

    “This amendment will bridge that gap and align our legislation with the realities of the digital economy,” she said.

    A major focus of her argument was the difficulty of enforcing judgments against government agencies.

    Under the current law, monetary judgments cannot be enforced without the consent of the Attorney-General, a requirement she described as a serious barrier to justice.

    “Judgment creditors find it exceedingly difficult to obtain such consent and often abandon their claims entirely. This defeats the purpose of judicial awards and encourages a culture of disobedience to court orders,” she warned.

    She linked the issue to human rights standards, citing Article 8 of the Universal Declaration of Human Rights, and cautioned: “When we create structures that make it nearly impossible to enforce judgments, we violate this right.”

    The bill also proposes reforms to modernise the role and operations of court sheriffs, addressing long-standing complaints of inefficiency and inconsistency.

    According to Adebule, the reform is essential to restoring confidence in the judiciary. “This amendment is not just a legal adjustment; it is part of rebuilding trust in our institutions,” she said.

    Lawmakers broadly backed the proposal, with Deputy Senate President Barau Jibrin describing the arguments as compelling and referring the bill to the Judiciary Committee for further consideration.

    Lawyer proffers other solutions

    Legal expert Dr Sani believes one of the major problems that hinders prompt compliance by public institutions of government agencies is the fact that there are no budgetary provisions for such contingencies.

    He suggested: “A repository and registry of judgment should be created and administered by the relevant offices of the Attorney General.

    “The registry should be saddled with the responsibility of creating a system of registration and authentication of valid judgments against government and public institutions, and also create a structured and self-auditing system of compliance in coordination with the relevant ministry of finance for every fiscal year.

    “Payments of judgment debts should then be made within the budgetary provision or framework, having regard to the priority of claims and the limitations period for each judgment.

    “Such an administrative system sanctioned by statute will effectively cure the mischief that the requirement of Attorney-General’s consent under the extant dispensation seeks to prevent.

    “The Sheriff and Civil Process Act should be amended in clear terms by removing the apparent unconstitutional provision for Attorney-General’s consent.

    “The provision should be supplanted with a new provision that creates an Administrative procedure.”

    Fed Govt commits to reform

    Attorney-General of the Federation and Minister of Justice, Prince Lateef Fagbemi (SAN), acknowledged the challenges, promising that the Federal Government would implement the needed reforms initiated by his ministry.

    “Public trust in the justice system is central to the existence of the legal profession. Without trust, the system cannot function, and the work we do loses meaning,” he admitted.

    Acknowledging the pressures facing the justice system, the Attorney-General identified structural weaknesses, gaps in process, capacity and funding, as well as behavioural.

    “Under the leadership of President Bola Tinubu, the Federal Government has prioritised the strengthening of the justice sector as part of the Renewed Hope Agenda,” Fagbemi said.

    While Fagbemi publicly affirms the importance of enforcing judgments and upholding the rule of law, civil society pressure has highlighted perceived gaps between rhetoric and practice, especially where judgment enforcement implicates government interests.

    Enforcement remains a key litmus test for his role as Chief Law Officer of the Federation.

  • Stronger naira, falling inflation driving investors back to local assets

    Stronger naira, falling inflation driving investors back to local assets

    Investors who relied on dollar funds to hedge against inflation and naira-induced losses missed their targets this year. The weaker naira, which for years had incentivized a rush into dollar funds, appreciated instead. Many investors who entered the dollar fund market at N1,655/$1 at the beginning of the year are now losing at least N165/$1 due to the exchange-rate differential, with the naira trading at N1,490/$1. Meanwhile, high inflation—a key driver for dollar fund demand—also eased sharply, falling from 34.60 per cent in November 2024 to 14.50 per cent in November 2025. The biggest beneficiaries have been naira-denominated assets, strengthened by a firmer local currency and lower inflation. As a result, savvy investors are now exiting dollar funds in favour of naira assets to maximize yields and protect their wealth from value erosion, writes Assistant Editor COLLINS NWEZE

    Investors are always in search of higher-yielding assets capable of delivering their target returns. Yet, such assets are rarely free of risk and uncertainty. Stanley Ben-Okoafor, a Nigerian investor based in the Netherlands, understood this reality well. For years, he adhered strictly to a diversified investment strategy, mindful of the age-old principle—often the first lesson taught to novice investors—that one should never put all their eggs in one basket.

    However, in January this year, the lure of higher yields led him to abandon that long-standing discipline. Seeking better returns, Ben-Okoafor instructed his banks to liquidate his naira-denominated investments, including savings and fixed deposits, and convert the proceeds into dollars. His equity holdings were also sold, with the proceeds similarly converted. In total, he committed $100,000 to dollar investments at an exchange rate of N1,655 to the dollar.

    While the investment yielded a return of 7.5 per cent in dollar terms, much of that gain was eroded by movements in the foreign-exchange market, particularly the strengthening of the naira. “The naira’s appreciation to N1,490/$1 at my exit point meant I lost N165 on every dollar,” he explained. “That significantly reduced my take-home return from the investment.”

    At present, the naira trades at around N1,490/$1 in the parallel market and N1,460/$1 at the official window, creating a premium of N30/$1. Many dollar investors, including Ben-Okoafor, typically exit at the parallel market rate. The currency’s recent appreciation has been attributed to increased foreign-exchange inflows and improved transparency in the FX market.

    Ben-Okoafor’s experience mirrors that of millions of Nigerians who shifted funds from naira assets into dollar-denominated investments this year, only to see the value of their portfolios eroded. The sharp naira depreciation that previously justified such strategies failed to materialise. Instead, the currency posted notable gains at both the official and parallel markets, alongside a marked slowdown in inflation. Predictably, this triggered a wave of portfolio realignments in Nigeria’s investment landscape. Savvy investors began divesting from dollar funds—which had once dominated as high-yield instruments—and reallocating capital into naira assets, now emerging as the preferred choice.

    Michael Steven-Aku, one of the investors who recently switched from dollar funds back to naira-denominated assets, offered insights into the forces reshaping the market. “After eight consecutive months decline in inflation rate to 14.45 per cent in November 2025, according to the latest Consumer Price Index report from the National Bureau of Statistics (NBS), the naira has stabilised and the appeal of holding dollar as a hedge by investors also reduced. With naira trading at N1,490/$1, investors are moving away from dollar hoarding and back into naira-denominated investments to avoid currency fluctuation risks,” he explained.

    Likewise, Obiageli Maduka, a Lagos-based entrepreneur and avid investor in dollar funds, said she recently had a rethink. According to her, dollar-denominated assets no longer provide the level of protection they once did against inflation-induced capital erosion. “I lost interest in investing in dollar funds. In January 2025, I invested $50,000 in dollar funds at the exchange rate of N1,655/$. Today, the naira exchanges at N1,490/$ and large part of the 7.5 per cent yield was wiped out by negative N165/$1 exchange rate differential,” she disclosed.

    Maduka explained that her friends that made similar investments in naira-based Money Market Fund had a better deal. “A close friend of mine invested N60 million in Money Market Fund and has constantly earned above 19 per cent monthly yield or over N1 million monthly returns on investment,” she said.

    Maurice Stevenson, an Abuja-based investment banker, explained that the investment climate in 2025 was extremely difficult for dollar fund investors because of significant naira rebound and drop in inflation figures. “These two developments meant that unlike in the previous years when dollar fund investors earned interest on their funds, and still earned extra from positive exchange rate differential due to weaker naira, they had to contend with a stronger naira and negative exchange rate differential at the exit point this year,” he said.

    In practical terms, the inflation rate dropping from 34.60 per cent in November 2024 to 14.50 per cent in November 2025 means that the prices of goods and services dropped by 19.5 per cent between November 2024 and November 2025. That means a bag of onions that cost N100,000 in November 2022 dropped by N20,100 in November 2025 to cost N79,900.

    Findings showed that when the supply of goods and services outpaces demand, buyers become unwilling to pay higher prices, resulting in a decline in prices. Similarly, a contraction in money supply, especially when not matched by an increase in output or productivity in the economy, can also exert downward pressure on prices. As inflation eases, millions of Nigerians who invested in high-yield interest funds have seen their wealth grow in real terms. With their funds gradually gaining value, these investors are better positioned to meet their daily financial obligations.

    Investors show interest in equities

    High returns in equities also reignited investor interest in naira-denominated assets. Despite a tight monetary policy environment, Nigeria’s equity market delivered substantial wealth to investors this year. From index heavyweights and old-economy stocks to turnaround plays and previously overlooked names, the market offered bountiful yields across a broad spectrum of listed companies.

    By December 22, 2025, no fewer than 40 companies listed on the Nigerian Exchange Limited (NGX) had returned over 100 per cent to investors—an outcome that sharply contrasted with the cautious sentiment that prevailed at the start of the year. Although the NGX All-Share Index (ASI) recorded a strong year-to-date gain of 48.12 per cent, the scale of outperformance by select stocks underscored how exceptional equity returns were in 2025.

    Some individual performances were particularly striking. NCR Nigeria posted a staggering 1,354 per cent rally, redefining what was possible on the local bourse within a single calendar year. Beta Glass advanced by 470.11 per cent, Mutual Benefits Assurance rose 408.20 per cent, Champion Breweries gained 339.63 per cent, while Eunisell Interlinked climbed 315.15 per cent, among others.

    Several investors who participated in the rally shared their experiences. Kingsley Nwadike, an entrepreneur, said he moved funds from his savings deposit account into the equities market—a decision that paid off handsomely. “I had kept my funds in a savings account for decades because of the ease of access,” he said. “But the interest earned could not even beat inflation. I decided to move my funds into equities, where I earned a 28 per cent year-to-date return.”

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    Another investor, Akpan Okon, said he is better off than those who left their funds in savings accounts and bore the brunt of inflation. “Even now, there are pockets of value in the equity market worth exploiting,” he noted. “Several listed companies have long-term internal returns on equity that point to positive total returns over time.”

    Commenting on the broader market dynamics, Managing Director of Afrinvest West Africa Limited, Ike Chioke, said improved currency stability, stronger-than-expected corporate earnings and consistent dividend payments encouraged investors to rotate back into equities, particularly stocks trading below their intrinsic value. He added that overall market participation strengthened steadily throughout the year, with sustained bullish sentiment occasionally interrupted by profit-taking. According to him, reform-driven developments, policy implementation and rising investor awareness collectively drove higher trading volumes across the market.

    Understanding dollar investments

    Investor interest in dollar funds surged after the Central Bank of Nigeria (CBN) liberalised dollar investments through a new foreign-exchange policy that allows investors to transfer dollar cash deposits from one domiciliary account to another. Under the policy, daily transfers are capped at $10,000. Previously, dollar-denominated investments were largely restricted to individuals with offshore dollar inflows, effectively limiting participation to a narrow segment of investors. The policy shift broadened access, enabling more Nigerians to invest in dollar assets using funds held in their domiciliary accounts.

    Several asset managers and investment banks now facilitate dollar funds and fixed-income investments. Notable among them are Chapel Hill Denham Advisory Limited, FCMB Capital Markets Limited, Stanbic IBTC Asset Management Limited, Vetiva Advisory Services Limited, Coronation Merchant Bank Limited, Meristem Capital Limited and Afrinvest Asset Management Limited.

    Afrinvest Asset Management Limited, for instance, introduced an open-ended mutual dollar fund offering returns of about 10 per cent per annum. The fund delivers significantly higher returns compared to funds kept in domiciliary accounts in Nigeria or current accounts in Europe and the United States. The Afrinvest Dollar Fund was designed to support income generation, capital preservation and portfolio diversification over the short to medium term. It targets superior returns and pays dividends twice yearly. Investors can participate with a minimum investment of $1,000.

     Similarly, Stanbic IBTC Asset Management launched the Stanbic IBTC Dollar Fund to provide currency diversification, income generation and stable growth in U.S. dollars. In a note to investors, the firm said the fund will allocate a minimum of 70 per cent of its portfolio to high-quality Eurobonds, up to 25 per cent to short-term U.S. dollar deposits, and a maximum of 10 per cent to U.S. dollar-denominated equities approved and registered by the Securities and Exchange Commission of Nigeria. The fund manager advised that investors must transfer a minimum of $1,000 for the initial investment and at least $500 for subsequent top-ups, either through the bank’s mobile application or by visiting a bank branch to initiate the transfer. “When you fund your investment, you can earn extra money by referring friends and family. You can also add to your investment over time and withdraw at your convenience. If you have questions or need assistance, please reach out. We are here to help you get started,” the company said.

    The fund also promised competitive dollar returns, controlled risk exposure and seamless access to funds through its Super Apps. It reiterated that investors could hedge against inflation by earning in dollars, noting that the new foreign-exchange guidelines permit the transfer of dollar cash deposits between domiciliary accounts, subject to a daily limit of $10,000.

    An investment analyst and Chief Executive Officer of Nairametrics Financial Advocates Limited, Ugochukwu Obi-Chukwu, explained that dollarisation largely stems from fear that inflation will continue to erode the value of the naira. According to him, many investors overlook the fact that sustained demand for dollars contributes to exchange-rate depreciation. “There is a sense of urgency that even the government shares. The government itself dollarises. When public assets are privatised, they are sold in dollars. At the seaports, fees are also denominated or converted in dollars. Government machinery is essentially dollarised, and other segments of the economy simply follow,” he said.

    Meanwhile, Chief Business Officer of Countryside Investment Limited, Michael Akpan, highlighted the risks associated with keeping idle funds. While encouraging Nigerians to invest rather than leave money dormant, Akpan noted that one of the harsh realities of inflation spikes is the steady erosion of purchasing power.

    “Even if interest or the return you are getting on your investment is below inflation rate, doing nothing will make you worse off. By investing in equities, money market, treasury bills or dollar funds, you are likely to reduce the impact of inflation on your funds,” he stated.

    Akpan explained that even where inflation is running far ahead of returns, that should not deter investors’ commitment. “Assuming you earn between 10 to 20 per cent returns, it means you have been able to cut down your actual cost of living by at least 10 per cent. In real terms, your exposure to inflation is moderated by the extra income from investing, which is better than just taking inflation 100 per cent,” he said.

    He added, “The options available are equity investment, treasury bills/commercial papers, federal government bonds/corporate bonds, federal government savings bond and dollar funds. Equity investment is the buying and selling of stocks listed on the Nigerian Exchange and NASD OTC market. Treasury bills are issued by the CBN on behalf of the federal government; commercial papers are issued by corporate bodies to meet short term obligations. The federal government of Nigeria bonds/corporate bonds are issued by the federal government and corporate bodies, respectively, to meet capital projects.”

    Views from other stakeholders

    CBN Governor, Olayemi Cardoso, said that despite persistent geopolitical tensions, supply-chain realignments, rising protectionism and other global headwinds, a softer U.S. dollar and easing global inflation present clear advantages for Nigeria and other emerging markets. According to him, many African currencies that were previously under intense pressure are now beginning to stabilise. He noted that with improved economic management and the implementation of domestic reforms, Sub-Saharan Africa is projected to record growth of 3.8 per cent in 2025 and 4.4 per cent in 2026, according to World Bank estimates. “Nigeria, Ethiopia and Côte d’Ivoire are leading this continental recovery, demonstrating the impact of decisive reforms, credible institutions and focused policy direction,” Cardoso said. “This type of resilience is never automatic; it is the outcome of difficult, disciplined choices—choices we too have had to make.”

    The CBN governor added that the significant and steady decline in inflation is helping to restore real purchasing power for households and businesses. He said the trend also underscores disciplined policy execution and signals Nigeria’s return to orthodox monetary policy management. “We continue with determination to bring inflation down further. The current double-digit rate cannot be acceptable. Price stability is the foundation of sustainable growth. Our transition to an inflation targeting framework is gaining traction. We have improved data analytics, strengthened communication, and ended monetary financing of fiscal deficits. These actions have strengthened monetary policy transmission and anchored expectations,” he said. Cardoso also emphasised that a functional, transparent and liquid fixed-income market is critical for effective monetary policy transmission and the mobilisation of long-term domestic savings.

    Echoing this view, a member of the CBN-led Monetary Policy Committee, Aloysius Ordu, said the naira has demonstrated relative stability, largely due to the CBN’s implementation of market-reflective exchange-rate policies. “These measures have helped narrow the gap between official and parallel market rates, enhanced investor confidence and promoted transparency in the foreign-exchange market,” he said. “The CBN’s continued efforts to strengthen market liquidity and maintain exchange-rate stability are essential to sustaining external sector resilience.”

    President of the Association of Bureaux De Change Operators of Nigeria (ABCON), Dr. Aminu Gwadabe, attributed recent naira stability to a surge in foreign portfolio investment (FPI) inflows and the rise in external reserves to about $45.23 billion as of late December 2025. He further noted that the deployment of the Electronic Foreign Exchange Management System (EFEMS), powered by Bloomberg BMatch, has transformed FX trading by enforcing mandatory order submission, enabling real-time regulatory visibility and improving price discovery.

    Meanwhile, the International Monetary Fund (IMF) cautioned that dollarisation of the economy could be difficult to reverse. As a partially dollarised economy, Nigeria operates with a dollar bias in international trade, financial invoicing and, more recently, as a store of value. In its report titled Digital Money and Central Bank Balance Sheets, the IMF warned that once an economy becomes accustomed to a bi-monetary system, reversal is challenging—even after the original triggers, such as high inflation and exchange-rate volatility, have been addressed. “The optimal choice between domestic currency and the dollar depends on the monetary framework and the relative benefits each offers as they coexist,” the IMF noted.

    The IMF further explained that in highly dollarised economies like Nigeria, exchange rates are extensively used for price indexation, resulting in high real dollarisation and near-complete pass-through from currency depreciation to inflation. For many stakeholders, this underscores the need to assess investment decisions not only in terms of nominal returns, but also with regard to capital safety and long-term wealth sustainability.

  • Digital learning widens gap of educationally disadvantaged children

    Digital learning widens gap of educationally disadvantaged children

    • Lack of access to power supply, internet connections set hordes of pupils backward

    • Digital policy deprives pupils of level playing ground – Experts

    The deployment of technology in education and public examinations is no doubt widened the gap of educationally disadvantaged children. Many pupils, especially those in rural communities lack access to power supply and internet connections and yet, they are expected to write the same examinations with those who have unfettered access to all this all year round. Is the digital policy in any way fair to these pupils? Innocent Duru asks.

    Hilda, a public school pupil in New Ekuri, a suburb of Cross River State isn’t computer savvy. Her community lacks power supply and internet connection which are crucial for her and other pupils in her community to be in tune with the aggressive digital learning and examination policies being canvassed by leading examination bodies like JAMB and WAEC.

     “We have never had power supply in our community. We also don’t have internet connection. We cannot do whatsApp chat or call. There is nothing like internet here.Many of us don’t even know how to power a computer let alone knowing how to use it to write or answer examination questions,” the young girl said.

    Hilda and her peers in New Ekuri are not alone in this.

    The World Bank in its 2025 report put the number of people without access to electricity in Nigeria at 86.8 million, the highest world-wide. The GSMA also in a report early this year noted that 130 million Nigerians are not connected to the internet.

    In fact, the Nigerian Communications Commission, NCC, earlier in the years said only 23 percent of rural communities in Nigeria have access to the internet compared to 57 percent in urban areas, a situation the NCC said  continues to widen the country’s digital divide.

    From the statistics provided by the NCC, it means that about 77 percent of rural communities, often populated by the young ones of school age don’t have access to the internet.

    One of Hilda’s teachers, Okon who should be in the best position to prepare the students for digitaI education and examination still leaves in the past. “I cannot read online because we are not connected. If there is an opportunity online, I cannot apply for it because there is no internet facility here,” he said.

    Aside from not having access to internet, Okon also has serious difficulty reading to prepare for classes. “It very sickening teaching without power supply. I rely on torch to see in the house. I use torch to read or better still, I will read in the afternoon. There is a torch I used to tie on my head to read. But the challenge is that it causes headache after a while.”

    In spite of his meager salary, Okon sometimes uses generator. “I manageably spend about N10, 000 on fuel monthly from my meager salary of N20, 000. I am sustained by what I get from my farm and small business. A litre of fuel is N1,500. It used to be about N2000 and above before now but the price has dropped to N1500.  When there is no money to buy fuel, I do go out to power my phone at a charging point. It costs N300 to do that.”

    A leading member of the community, Pastor Louis said: “There is no internet access here. They mounted an antenna that carries just 2G and that is to enable our people make calls and it is not regular.  Because there are some certain times the service will no longer be there and you will wait until that service is restored before you can make calls. And if you have emergency at that point then you are lost out completely.

    “There was a time they came to upgrade it to 4G and because of the bad road and with the load they were carrying, they could not access New Ekuri.  They had to end halfway and return back again with the equipment.  And since then till date New Ekuri is still managing with 2G.You can’t do internet calls because you need data to do that.And your data cannot be effective.”

    For people in New Ekuri to use internet, Pastor Louis said they have to travel out of the environment.  “If you have anything, even if it is photographs you want to send, you have to travel out of the environment, at least get up to 18 kilometers out of the community before you can access internet in the nearby area.

     “The young people who have these Android phones, they only use it to play pre-recorded music.  It is when they leave the environment for the city that they can have access to internet services, to connect to Facebook and connect to WhatsApp and all others.  So which means that, in that environment, all the jobs that people do online, they cannot access it.

    They can’t do all this TikTok. They can’t do anything there. Even to access your WhatsApp, nothing happens. The moment you enter New Ekuri, you will just shut down everything that has to do with internet activities.”

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    Technology should be a bridge, not a barrier – NAPPS

    National Association of Proprietors of Private Schools decried what it described as uneven availability of infrastructure in the country.

    Responding to questions from our correspondent, the National President, Chief Yomi Otubela, said: “Digital education and examinations in themselves, are not the problem. In fact, they hold great potential to improve learning outcomes, expand access to quality content, and prepare our children for a technology-driven world.

    “However, the reality in Nigeria today is that the uneven availability of basic infrastructure has meant that the benefits of digital education are not being enjoyed equally.”

    He averred that “there is no denying that the digital shift has exposed and, in some cases, widened existing inequalities between students in urban or well-served communities and those in rural or underserved areas where power supply, internet connectivity, and access to devices remain major challenges. When a child cannot log in simply because there is no electricity or network, that child is already disadvantaged, not by ability, but by circumstance.”

    That said, the NAPPS chairman stated that  it would be unfair and counterproductive to roll back digital progress, adding:  “The issue is not whether digital education should continue, but how government and relevant stakeholders can ensure inclusiveness. This requires deliberate investment in rural electrification, affordable internet access, community digital hubs, and targeted support for disadvantaged schools and learners.”

    As private school operators, he said:  “we believe digital education must go hand in hand with strong equity policies. No child should be left behind because of where they live or the economic status of their parents. Technology should be a bridge, not a barrier, and achieving this demands coordinated action from government at all levels, the private sector, and development partners.”

    Students no longer assessed on knowledge preparation, but on access to infrastructure CONUA

    The Congress of University Academics (CONUA)  in a response to our inquiry bewailed the aggressive shift to digital education and education without considering the less privileged ones.

    The body regretted that students are no longer assessed based on knowledge and preparation, but on access to infrastructure.

    CONUA’s National President, Comrade ‘Niyi Sunmonu,  said the body recognises that digital education and computer-based examinations are inevitable components of modern learning systems. However, It said “we are deeply concerned that the current pace and manner of implementation in Nigeria risk widening existing educational inequalities rather than reducing them.”

    He strongly noted that digital education and examinations, when introduced without universal access to stable electricity,affordable internet connectivity, functional devices, and adequate digital literacy, disproportionately disadvantage students from rural, peri-urban, and low-income communities. “In effect, students are no longer being assessed solely on knowledge and preparation, but on access to infrastructure they do not control. This contradicts the principle of equity that should underpin any credible education system.”

    CONUA therefore maintains that digital education reforms must be phased, inclusive, and infrastructure-led, not policy-led alone. Government at all levels must first close gaps in power supply, broadband penetration, ICT capacity and student support systems before enforcing full digital transitions. Until these fundamentals are addressed, Comrade Sunmonu said digital examinations risk becoming instruments of exclusion rather than progress.

     “Our position remains consistent: technology should level the educational playing field, not tilt it further against the already disadvantaged. CONUA will continue to advocate for reforms that combine innovation with fairness, access, and social justice in Nigeria’s education sector.”

    Community without digital connectivity is functionally invisible, cut off from modern education, healthcare, markets, opportunity – NCC

    Speaking during the Rural Connectivity Summit, organised by the Rural Connectivity Initiative in Lagos, the Executive Vice Chairman of the NCC, Dr. Aminu Maida, validated the  widening gap concerns caused by deployment of technology in public education and exams.  He noted that a community  without digital connectivity is functionally invisible, cut off from modern education, healthcare, markets, and opportunity.

    He said the disparity in access remains one of the biggest obstacles to inclusive development, stressing that without deliberate intervention, millions of Nigerians would remain excluded from education, healthcare, and economic opportunities that rely on digital connectivity.

    Maida, who delivered the keynote address titled: “Leaving Nobody Behind: Leveraging Regulatory Advantages to Bridge Nigeria’s Digital Divide,” said the lack of connectivity in rural areas is not just a development issue but a national security concern.

    According to him: “A community without digital connectivity is functionally invisible, cut off from modern education, healthcare, markets, and opportunity. This ‘digital invisibility’ is an unacceptable situation we must act decisively to end.

    He said: “Nigeria’s broadband penetration currently stands at 48.81 percent, and research has shown that a 10 percent increase in broadband penetration can boost a country’s GDP by up to 1.38 percent. This shows clearly that connectivity is not just about speed, but about economic growth and national development.”

    According to him, the Commission, through its Universal Service Provision Fund, USPF, has continued to implement targeted interventions to expand digital access in underserved and unserved communities across the country.

    He explained: “Through programmes such as the Rural Broadband Initiative, RUBI, and the Accelerated Mobile Phone Expansion, AMPE, we are supporting infrastructure deployment in commercially non-viable areas. The USPF has also implemented more than 2,500 education projects and delivered over 100,000 computers to schools nationwide.”

    WAEC to conduct exams online from 2026

    The West African Examinations Council (WAEC) has reaffirmed its readiness to fully implement Computer-Based Testing (CBT) for the West African Senior School Certificate Examination (WASSCE) by 2026.

    The Head of National Office, WAEC, Dr. Amos Dangut, disclosed this while speaking during the sensitisation on computer-based WASSCE for members of the National Assembly Committee on Education in Abuja.

    Dangut, who explained that the rollout of CBT examinations had already begun, assured that no candidate would be left behind in the transition.

    He stressed that the move to CB-WASSCE was motivated by the need to safeguard the credibility of Nigeria’s certificates and to align assessment practices with global standards.

    On preparations for students, he noted that WAEC would introduce mock sessions and online practice platforms to enable candidates familiarise themselves with the system before the main examinations.

    He recalled that WAEC successfully conducted Nigeria’s first-ever CB-WASSCE in 2024 for private candidates in a hybrid format, combining paper-and-pen with computer-based responses.

    Building on that experience, he said that the council had deployed the system for the WASSCE for school candidates in 2025, recording significant progress.

    “The Federal Government has directed that we carry out our exams using the computer testing mode and by the grace of God, we have started it.

    “We are up to the task and that is our intention. We have started it and there is no going back, it is going to be on a large scale.

    “We have done five exams now; four exams for the private candidates and one exam for the school candidates.

    “And for 2026, we are going to do it massively, we are going to deploy it massively, just like JAMB, there is usually mock exam preparatory to the main exam,” he said.

    Addressing concerns about infrastructure and connectivity, Dangut assured lawmakers and stakeholders that no student would be disadvantaged, regardless of location.

    “We are taking our sensitisation and demonstration to the nooks and crannies of Nigeria.

    “We have conducted exams even in hard-to-reach areas, so infrastructure will not stop this programme. All registered candidates will sit for their exams,” he stated.

    The Joint Admissions and Matriculation Board (JAMB) had introduced the Computer-Based Test (CBT) in 2013 and made it mandatory for all candidates in 2015.

    Previously, the Unified Tertiary Matriculation Examination (UTME) was conducted as a Paper-Pencil Test (PPT). The transition to a mandatory online (computer-based) format was implemented to enhance the examination process and curb malpractice. Since May 17, 2014, all administrations of the exam have been entirely computer-based.

    The challenge here is that no attempt has been made to find out the number of students who don’t participate in the examination because of the aforementioned challenges.

    Nigeria mimicking global trends over addressing local needs – Activist Orji

    Also frowning at the disadvantaged position that the deployment of technology has placed less privileged pupils, Activist Orji said the shift to digital education and exams in Nigeria risks widening the gap between students with access to power, internet, and computers, and those in communities without. “This development meant to be an advantage, highlights the disparity in our education system.Nigeria’s approach to education seems to prioritize mimicking global trends over addressing local needs. We’ve adopted computer-based testing (CBT) without ensuring infrastructure and equity. This is absurd. Education should be tailored to local contexts, not imported wholesale.”

    Going down memory lane, he said: “Before Western-style education, Africans had robust systems equipping youth for community roles. For example, apprenticeships in farming, fishing, or craftsmanship ensured young people had practical skills. Now, we churn out jobless graduates, disconnected from their roots. CBT exams will exacerbate this, ignoring unequal access to technology, power, and internet. Not all Nigerians have computers or reliable connectivity.

    “In rural areas, students struggle with erratic power supply and limited internet access. Urban counterparts, often more affluent, have better resources. This digital divide will deepen inequalities, undermining the purpose of education.

    “The gap will grow unless we rethink our approach. Education is local and location-based. We must prioritize practical skills, community needs, and inclusivity. Let’s walk before we fly – plan based on local realities, not global pressures.”

    While  commending  Minister Dr. Morufu Alausa for reversing counterproductive policies, he said: “ Let’s craft an education system that serves Nigeria’s diverse communities, equipping learners for success. This means investing in infrastructure, training teachers, and developing context-relevant curricula.

    We must recognize that education is not one-size-fits-all. Localizing education will help bridge the gap and foster development. It’s time to rethink our priorities and build an education system that truly serves Nigeria.”

    Ministry yet to respond

    When contacted on what the ministry is doing to address the gap created by the deployment of technology in public  examinations, the spokesperson of the  Ministry of Education, Folasade Boriowo requested our correspondent to send his questions through text message.

    She hadn’t responded to the questions at press time.