RELOAD DEC 2021 TELESCOP

Ahmed Musa Dangiwa’s Innovations at FMBN to improve Housing Delivery

Musa Ahmed Dangiwa, managing director of Federal Mortgage Bank of Nigeria (FMBN) is a man whose experience covers  the academia, real estate, infrastructure development, banking and  design consultancy, with over three decades experience. He has brought efficiency and transparency into the operations of the FMBN and housing delivery in Nigeria. In his quest for this, he has been making the FMBN relevant to Nigerians. For the first time, the public have begun to see what role this agency is meant to play within the Nigerian real estate space since its creation in 1977.

Of recent is the introduction of a two-week ultimatum time for processing mortgage loan applications of NHS subscribers. The second and equally important thing is the deployment of Fintrak Software Solution to help ease operations of the Federal Mortgage Banks ( FMBN).

On December 3,  2020, Mr. Babatunde Fashola SAN, the Minister of Works and Housing announced the approval of the Federal Executive Council (FEC) for the FMBN to procure and deploy a core banking software application at the cost of N487.39 million from Messrs. Fintrak Software Solution

The implementation of the banking system would be significant and far-reaching. Once operational, it would help the FMBN to create an integrated technology-driven platform to activate its operations. On the back of the digital service provisioning eco-system, the bank would then tackle the many systemic challenges that it has had to contend with over the years due to the largely manual nature of its operations.

Top on the list is fixing the longstanding inability of the bank to update, in real-time, subscribers’ monthly contributions to the National Housing Fund (NHF) Scheme. As manager of the NHF scheme, a pool of funds comprising 2.5 per cent of subscribers’ monthly salaries is deployed towards the delivery of affordable housing.

For quite a while FMBN has attracted much criticisms from workers, stakeholders, and the general public over how it is handling the scheme. However this is due to the multi-stakeholder structure of the NHF operations.  Employers in the public and private sectors are expected to deduct 2.5per cent of the monthly income of workers who are registered with the NHF scheme and remit this to the FMBN.

Many of the subscribers  have complained severally that they are not getting adequate response from neither the NHF or the FMBN over the years.There have been several cases of workers, who after years of working and seeing the monthly deductions from their paychecks, are heartbroken to discover that only a paltry sum had been credited to their accounts with the National Housing Fund because their employer had either failed to remit or remitted only a portion of what was deducted

These have resulted in instances of subscribers complaining that deductions made by their employers from their salaries are not reflected in their NHF accounts due to non-remittances by their employers to FMBN as well as the inability to promptly access details and information on the status of subscriber’s accounts.

Disappointingly,  investigations  have shown that many employers are  quick to  remove the 2.5per cent of worker’s monthly salaries but are unwilling to remit the same to the FMBN.

Fortunately, with the introduction of FinTrak  technology  all these issues have come to an end with the software fully functional. The FinTrak subscriber management component of the application is specifically designed to fix them to ensure a smooth subscriber and customer experience for all workers that contribute to the NHF Scheme.

Two things happen with this technology. One is  that there is now seamless back-end integration with employers in a way that makes deductions from workers’ salaries and remittances to the FMBN more transparent to all stakeholders. NHF subscribers will now get real-time alerts on all transactions on their NHF accounts and stay informed on the status of their accounts.

Second pertains to usefulness to FMBN. It is vital to the operations of the FMBN because the core banking system would help shorten the time it takes for subscribers to access credit from the bank.  This process will help upgrade the overall customer experience of NHF subscribers.

Before 2017, when the Ahmed Dangiwa-led management of the bank took office, it used to take as much as twelve months or more before eligible NHF loan applications were fully processed, approved, and disbursed to applicants to enable them to purchase their homes. Much of the delays were caused by the manual process of documenting and performing due diligence on loan applications that defined the relationship with Primary Mortgage Banks (PMBs), which FMBN, operating as a wholesale back-end mortgage finance institution, uses as fronts to lend to NHF subscribers.

These are some of the systemic issues that the FinTrak Credit Risk Management System, an integral component of the core banking system, is designed to resolve. The FMBN management projects that the software application would streamline the multi-layered mortgage loan process steps and eventually crash the time it takes NHF subscribers to access credit to less than two weeks when implemented. This implies faster mortgage loan application processing and disbursements as well as enhanced customer satisfaction and experience.

Besides that, the attainment of a two-week turnaround time for processing mortgage loan applications would be an outstanding addition to the progress already made by the Dangiwa-led management in this direction over the past three years.

Besides improving turnaround time, the FinTrak Credit Risk Management System by eliminating laborious manual documentation in the credit application and processing brings several other operational improvements to FMBN operations. This includes aiding digital credit scoring and appraisal for improved accuracy; improving the visibility of NHF subscribers’ credit performance in the records of PMBs; as well as ensuring early warning to the banks where the likelihood of delinquency is observed on specific subscriber loans.

Even before now, it is on record that Dangiwa has  injected a lot of efficiency into the operations of the bank. Part of the efficiency improvement effort is shortening the process of NHF refunds, as already observed. Consequently, NHF retirees can now complete the refund processes easily, which is seen as one big step ahead Dangiwa and his management of the bank has taken towards delivering  affordable housing for retirees.

The condensed procedure now ensures prompt repayment of funds to the scheme’s contributors. Monthly NHF refunds and disbursement of NHF mortgage and home renovation loans have increased considerably.

Equally, Dangiwa has broadened  the NHF base to capture the informal sector with the admission of non-salaried people into the scheme. This means that self employed and others outside the organized private sector now have access to affordable housing products of FMB.
some other  initiatives include re-integrating defaulting states into the NHF scheme, as well as aggressive loan recovery. He  opened talks with states that dropped out of the scheme and  he is quite determined to have them back on board the NHF scheme. Considering the various mortgage financing products on offer, he is determined to ensure that no section of Nigerians is denied access to housing development opportunities.

In the area of loan recovery, he is doing much here. His  aggressive loan recovery strategy has improved FMBN loan portfolio quality. The steps taken include engaging debt collectors and automating loan repayment debits from customers’ bank accounts. He has also given priority timely rendition of audited accounts. In fact, he started this as soon as he was appointed in 2017. Then he set-up a task force,  with a mandate to clear the backlog of outstanding financial statements since 2013 by end of 2018.

Business process automation is also strong on his agenda. And he has begun this a long while now. Through that he has deployed technology as an end-to-end business process within the institution, which has to do with the adoption of core banking applications and wide area network that incorporates mobile and internet solutions. With these he has given enablement to key banking processes with direct links to primary mortgage institutions and customers, including credit alerts to NHF contributors. In addition to recapitalization, Dangiwa is exploring other measures

To boost the FMBN’s liquidity and capacity to deliver its mandate, Dangiwa moved the idea of recapitalization and other measures.  For instance, in collaboration with the Federal Inland Revenue Service (FIRS), he is looking out to enlist all corporate organizations for the NHF scheme. By enlisting non-contributing organizations and enforcing compliance, by doing this, he has increased substantially remittances to the NHF and consequently the bank’s capacity to meet the long-term mortgage financing needs of Nigerians.

Dangiwa is tackling headlong a major drawback for primary mortgage institutions, the Land Use Act of 1978 that vests land ownership in the state governors. Other steps towards elevating the industry include the right to foreclose on delinquent borrowers, easing the creation of legal mortgage, perfection of titles and enhanced regulatory policy framework for orderly development and growth of the industry.
Dangiwa  also asserted that the bank would build some housing units in each state and the Federal Capital Territory to address housing deficit in Nigeria.

To draw more investments to the Nigerian Housing scheme, he  proposes that banks and insurance companies contribute five per cent of their profit-after-tax (PAT) as mandatory investments into the NHF as opposed to portions of their loan portfolios of life/non-life funds.

“The proceeds are remitted into a Special Purpose Vehicle (SPV) jointly established by these institutions and FMBN to ring-fence the investments. Proceeds accruing to the SPV are to be invested in either real estate capital market instruments or the financing of large-scale residential housing projects on an affordable but economically viable basis, for a specified tenor and at an agreed rate of return.

“As an incentive, the investments could be computed as liquid assets for banks, profit will be tax-exempted, the investments could be computed as part of the loan to deposit ratio for banks and a set housing for the economically-disadvantaged to count as corporate social responsibility.

“Our intention is to see banks and insurance companies to be good corporate citizens in compliance with the law of the land by investing in the NHF Scheme as stipulated by law but under a risk-sensitive, safe and lucrative arrangement. This provides a win-win solution for them and Nigerians who are in dire need of affordable housing.”

“Based on our projections, it is expected that not less than N100 billion will accrue to supplement the resources of the NHF scheme as mandatory investments from banks and insurance companies if this proposal is implemented.

He noted that despite the shortfall, the NHF scheme has improved its performance significantly. For instance, NHF collections grew by 80 per cent within the last three years by N186 billion to reach a cumulative of N418 billion as of September 2020

It disbursed a cumulative of N265 billion, an increase by over N112 billion (74 per cent) over the N152.5 billion and about 8,700 new homes have been added, a growth of 43per cent, to attain a cumulative 29,133 funded housing units. Similarly, about 5,000 mortgages were originated to grow our portfolio by 26 per cent to a total of 21,587 and home renovation micro-loan grew by over 2,000 per cent from about 2,600 to about 56,000 loans over the past three years.

Already, the NHF Scheme has improved its performance significantly. For instance, NHF collections grew by 80 percent within the last three years by N186 billion to reach a cumulative of N418 billion as of September 2020

Overall, with all the innovations brought by Dangiwa have  brought heft to the operations of FMBN. And now with the Federal Government’s approval and imminent deployment of the Core Banking Solution at the FMBN, the bank is set for historic preformance. For the first time, the nation’s apex mortgage bank is set to have a world-class technology-driven system that would help optimise its operations and ensure a smooth customer experience for all workers that contribute to the NHF Scheme. This is a big boost for affordable housing delivery in the country on the watch of  Mr Musa Ahmed Dangiwa.

NYSC-loses-Kazaure-gets-Ibrahim-as-Army-approves-new-postings-See-List

Saving and Empowering the NYSC Scheme

PRESERVATION of a significant national tool for peace-building, understanding, security, national integration development and future leadership is something that all must take seriously.  This is why many discerning Nigerians find it very disturbing that some members of the national Assembly could raise a motion, calling for the scrapping of the NYSC at a period the scheme is most needed.

No lover of peace, unity and continued development of this country will want this to happen. The NYSC is a vital national tool of integration, and it provides the foundation of national consciousness and identity, and access to leadership and entrepreneurship training as well.

Arguably The TELESCOPE Magazine suspects that some elements in the House of Representatives are scheming to cancel this vital tool, so that they can divert the funds meant for the scheme for their own selfish use. Then how will Nigerian youth have a sense of national belonging? This is evil! It is an agenda of the devil!

The NYSC underpins Nigeria’s philosophy and ideology of tolerance, accommodation, national integration and mutual understanding. The ideology centres on national altruism and equilibrium in advancing the country into the future while doing away with all negative social prejudices and imposition of hierarchy in cultural, social and religious systems.

To attempt to uproot such a vital platform is to throw the country into further chaos. Of course, concerned members of the National Assembly have the right to raise their concerns on security and safety of NYSC members, serving in different areas, a place where they live in away from home. But calling for its scrapping makes no sense at all.

The day they chose to present the motion on the floor of the House of Representatives, they were lucky no stones were thrown at them with a group of young men and women hurling abuses at them. Unarguably, one understands their anger over attacks on corpers in some areas.  Of course, attacks on NYSC members by deviant elements in society is a cause for concern, and must never be allowed. But calling for the scrapping of NYSC scheme is a proposition lacking in logic and intellectual vitality.  To say the least, the bill looks to be a backward trend.

It is becoming a very frightening trend today to see bad behaviours and attitudes displayed by many young Nigerians in almost every corner of the country. Some behave badly and indecently in front of others and think that it is okay to do so.

Many of these bad behaviours and attitudes and violence would have become standards and a culture in younger generation today if not for the moderating influence of the NYSC Scheme. It infuses the youth with nationalism and civilizing values of national integration that make them see others as human beings whose differences,  feelings, opinions, religions  and rights must be accommodated and respected.

Participants of the scheme carry in them the civilizing mission of the NYSC, and are always promoting values of understanding, tolerance and national unity in their immediate environment after the service, promoting national integration and will continue to influence generations in future.

Expectedly, Corps members are supposed to feel happy, safe, secure in any part of Nigeria and not be intimidated by anyone or any group, in any form. And this is where the National Orientation Agency (NOA) and local government councils must come in, educating members of  transport unions, religious organizations, market women leadership,  youth organizations, CDAs and CDCs, local chiefs and community leaders on the need for proper protection and support for corp members posted to their communities.

The NYSC is a national treasure and a must keep, no matter what the circumstance is. These are many pieces of evidence to support this. Unfortunately, those criticizing the scheme do not know its significance and value as a tool of  peace and national integration. Remember, to progress into future, we need peace, unity and understanding to plan that future.

We owe a great debt to General Yakubu Gowon (GCFR) and those who worked with him, especially Prof Adebayo Adedeji, that inimitable legend of exemplary stature, to build the scheme from scratch and to the government of the day, who respects its importance, independence and crucial roles in peace-building,security, national understanding, in the economic, scholarly and democratic life of the country.

The gesture by Preisdent Muhammadu Buhari to employ siblings of the 10 NYSC members killed in Bauchi State during the 2011 general elections gives credence to our belief.  Here is a leader of exceptional insight who looks beyond time from the perspective of where and what Nigeria or the world is today for a peaceful co-existence of Nigerians in times ahead. Praises also go to the NYSC D-G Brig-Gen (Prof.) Shuaib Ibrahim for his stewardship of the scheme. His suggestion to government to re-open NYSC orientation camps last year helped to finish the #EndSARS Protest.

To be the “Richest black nation” in the world, we also need to live in a country with the values of tolerance and accommodation, that is safe, united, secure, healthy and environmentally-friendly. The NYSC makes these a foundation in people’s lives so they appreciate benefits, take ownership of changes and participate meaningfully to achieve goals and visions in life. They abandon negative attitudes and behavior, which are the greatest obstacles to development in Nigeria.

We believe it is time we adequately fund and improve the NYSC . Consistent funding and support for the scheme is needed to enable it to effectively manage and make youth well-trained, self-accountable, properly disciplined to take advantage of evolving technologies, and foster innovative projects and research. We understand it will be a massive effort, when our country is struggling. But remember, there is no future without peace. So all effort must be put into saving and energizing the NYSC  scheme further.

JUNE JULY 2021

Ifie Sekibo: Making Heritage Bank the Accelerator of Businesses and Productivity in Nigeria

Ifie Sekibo, MD/CEO Heritage Bank Plc smiles with satisfaction as the bank is buzzing with ideas and activities aligned to the future. The fact that the Nigerian authorities place so much importance on economic diversification away from a reliance on just the oil/gas sector to other areas like agriculture value chain, industry, tourism to technology with their eyes firmly on the future excites Sekibo. Looking at the government ERG agenda, he realises that the country has clearcut plans to becoming one of the world’s leading nations by around 2030.Then he makes the bank partner with businesses, great and small, to enhance their productivity and value creation.

Sights set on helping businesses succeed  and the future, the presence  of Heritage Bank Plc on the Nigerian banking landscape is a positive and timely intervention to propel the economy into more productivity. It also limits any negative impact on the government’s goals in maintaining fiscal sustainability and economic development in the long term leading to the government’s  development Vision.

Sekibo is a trend setter passionate with financing revolution in Nigeria. And his character is rubbing on Heritage Bank’s brand, with a lot of strategic partnerships with government(s) and private organizations.

Heritage Bank is passionate about helping businesses grow on all fronts with its different initiatives to deliver banking solutions that empower SMEs as they deliver products and services solutions to the public. This is because it recognises that SMEs stimulate growth and development within an economy. And it is at the forefront of helping the Central Bank of Nigeria (CBN) deliver its programmes to the people.

Under the Central Bank of Nigeria’s Anchor Borrowers Programme (ABP) and the Nigeria Incentive-Based Risk Sharing System for Agricultural Lending (NIRSAL), Heritage has been providing on-lending funding to aggregated farmers to grow various products that serve as raw materials to the processors, thereby ensuring market linkages and access to the market as well as reduce importation and conserve Nigeria’s external reserves.

Through its strategic partnerships with government and private organisations, the bank has continued to make efforts to transforming the nation’s economy through championing entrepreneurial schemes for businesses and the micro, small and medium enterprises (MSME) sector is not left out. Its focus is on dependable job-creating sectors, such as education, agricultural value chain (fish farming, poultry, snail farming), cottage industry, mining and solid minerals, creative industry (tourism, arts and crafts), and Information and Communications Technology (ICT).

Over a year  ago,  Heritage launched the Nationwide Dukia-Heritage Bank Gold & Precious Metals which stands to create new opportunities for Nigeria to grow its potential reserves of 200 million ounces of gold. The Nationwide Dukia-Heritage Bank Gold & Precious Metals Buying Centre will fast-track 10per cent contribution of mining sector to GDP by 2026. Referring to this giant strides, the Vice President Prof. Yemi Osinbajo remarked back then that the launch of this project between Heritage Bank and ‘Dukia Gold SPV’ would enable Nigeria to mine reserves properly, trade responsibly, refine locally and boost the nation’s foreign reserves.

Mr Sekibo is making so much happen at Heritage Bank, supported by a very solid board and a vibrant management team. Under their collective watch, the bank is showing a lot of commitments to create enabling environment, resources and support required to innovate and accelerate impactful solutions with the potential to radically improve financial inclusion/intermediation, health, automobile, agriculture, and other related problems affecting critical sectors of the economy.

In terms of the agricultural financing revolution, Heritage Bank is firing on all cylinders. In order to support the real sector and unlock food potentials, Heritage Bank Plc has provided over N5billion long term facility under the Commercial Agriculture Credit Scheme (CACS) to Triton Aqua Africa Ltd (TAAL).

TAAL known as Triton Farm accessed the CACS through Heritage Bank, which was used to set up aquaculture businesses; nursery/hatchery to produce fingerlings and brood stock in Ikeja and earthen ponds for catfish and Tilapia in Asejire, Iwo and Gambari towns in Oyo State.

Under the arrangement, TAAL will also help small-scale farms increase their fish production by making fingerlings available to them. In the short term, the loan is expected to help Triton double its current production capacity of 25,000 metric tonnes with a projection to scale it up to 100,000 metric tonnes in five years.

The bank also has thrown its weight behind Globus Resources Limited, a subsidiary of Triton Group, to flag off the second phase of afforestation programme in Oyo state.

Nigeria’s demand capacity for fish was estimated at 2.7million metric tons and the country currently produces 800,000 metric tons. Triton is now producing over 25,000 metric tons and with them on board, over 25,000 metric tons capacity will be added to our current production, the company’s projection is to exceed 100,000 metric tons in 5years.

At the state level, Heritage Bank entered into partnership with the Oyo State government in a multi-billion-naira project to give agriculture a boost. Under the initiative, the bank supported the Oyo State Agricultural Initiative, OYSAI, a programme designed to revive agriculture, boost agro-allied businesses and massive empowerment programme for both youth and women across the state through the creation of thousands of jobs in the sector.

This huge, albeit laudable, project that is spread across 3,000 hectares of land in 28 of the 33 Local Government Areas of Oyo State is in three stages: food crop cultivation, cash crop/horticulture, and food processing. Heritage Bank is supporting agro investors involved in this initiative with funds and advisory services and indications are that the programme has already led to more than 30 per cent increase in food production in the state.

The Bank has also supported thousands of small holder farms in Kaduna and Zamfara states to benefit from the bank’s financial support for rice and soya beans production under the Central Bank of Nigeria’s Anchor Borrowers Programme (ABP).

Equally, Heritage Bank’s role in GEZAWA Commodity Market and Exchange Ltd is a big testimony of the bank’s commitment to agriculture. With this particular initiative, the Nigerian agricultural sector is set to witness a huge growth, as Heritage Bank Plc the lead settlement bank for Gezawa Commodity Market (GCMX) has collaborated with key stakeholders to revolutionise agricultural value-chain, aimed at providing fully integrated ecosystem for commodity Exchange.

Heritage Bank was appointed as the Lead Settlement Bank and Transaction Adviser to the Gezawa Commodity Market and Exchange Ltd. The Memorandum of Understanding (MoU) was signed between the two firms last year, with over 10, 000 farmers in 3000 cooperatives in the 44 local governments of Kano States hosted. The partnership between the bank and the Exchange would facilitate the ease of agro commodity trading in a more structured way, especially with the closeness to the Dawanu, the largest grain market in Africa.

The MD/CEO of Heritage Bank Plc, Ifie Sekibo, who was a panelist at the 2nd GCMX Farmers’ Cooperative Forum in Kano then, stated that the partnership was targeted to de-risk the sector that would bring about structured and enhanced agro-business and attain food security that leads to economic development.

Sekibo, who was represented by the Executive Director, Jude Monye explained that the partnership which would help bridge the huge gap associated to risk, will fast track effective price discovery mechanism and traceability and enhanced trade settlement services.

According to him, with its assigned position Heritage Bank would play a pivotal role in ensuring that there would be an effective and readily available platform for market linkages among players in the agribusiness value chain, involving FMCGs, warehouse operators, collateral managers, processors, farmers’ cooperatives to transact in a seamless way that guarantee quality, quantity, payment and delivery.

Speaking the event, the ED/CEO of Nigerian Export Promotion Council (NEPC), Segun Awolowo, was confident that the initiative would help foster diversification of non-oil export trade, stating that NEPC would ensure that the primary for the signing of the MoU would be achieved, whilst calling for the need to ensure adequate and seamless supply of agricultural commodities for the business to be sustainable.

The Gezawa Project Consultant, Binchang Binfa, Managing Director of Makarios Global Resource, disclosed, “the ultimate goal was to unlock the vast potential of agricultural value chain via partnerships and synergy with likeminded enterprises, organisations and institutions that will mutually create wealth, generate local employment and contribute significantly to the economic growth and GDP the nation.”

He stated that the Exchange would provide services on price discovery and transparency, increase foreign exchange earning capacity, commodity storage and warehouse receipt system, employment generation of 15, 000 direct and indirect jobs, investment opportunities, increase in non-oil export, ease of doing business, weather report, soil test report, as well as 24/7 online trading of commodities on a live trading platform.

Apart from all mentioned above, Heriatage Bank has continued to support Nigeria’s aspiration and roadmap to become a leading Information Communication Technology (ICT) Hub in Africa, The Bank gave out the sum of $40, 000 grants to winners of the maiden edition of HB Innovative Lab.

Worthy of note is the bank’s giant stride in support of tourism, aimed at boosting Nigeria’s tourism via creative arts industry through support and sponsorhip.  Its commitment to the development and growth of the creative industry is quite encouraging, where it holds monthly draws.

Heritage Bank has continually fulfilled its promises to support the Nigerian Creative Industry, as millionaires emerged from the YNSPYRE product in collaboration with the CREAM Platform.The Heritage Bank’s YNSPYRE event commenced on a great note when D’banj and CREAM Platform introduced the CREAM Merit winners for March, BERRI, a music artiste who carted away sum of N10million in form of promotional, while Clara Aden, a visual artist received N1million in financial support and Hanzy, a music artiste got over N1million Naira in form of mentorship support as well as Merchandise support from partner company – Boomplay.

For instance, the April Raffle Draw produced 10 lucky winners of N50,000.00 each while cheques of N200,000 each were also presented to 5 Winners from the March 2021 Draw.

The epoch-making event, held at the Balmoral Hall of Federal Palace Hotel in Lagos had in attendance alongside Divisional Head, Corporate Communications, Heritage Bank – Fela Ibidapo; Dapo Oyebanjo a.k.a D’banj and his partner – Oje Anetor; notable dignitaries from different walks of life – Director General of the National Lotto Regulatory Commission, Lanre Gbajabiamila and Stanley Mukoro. Also present at the draw were – Sunday Are, Chief Damian Okoroafor, Poco Lee, representatives of the NLRC, Boomplay and members of the media.

It is also at the forefront of Financial inclusion in Nigeria. The country’s central bank has set an ambitious target of attaining a 95% rate of financial inclusion in the population by 2024. This is currently around 63.2%. The financially excluded is over-represented by people in the informal sector, many doing jobs such as harvesting crops, mining or selling goods at markets.

They are usually paid daily and do not have bank accounts. Despite not wielding much financial power individually, together, they contributed 65% to Nigeria’s GDP in 2018, making them a group that holds a lot of untapped potentials. It’s no wonder that the government has made catering to this sector a priority. Heritage Bank Plc is doing this.

With all these activities and more, it is clear that Heritage Bank Plc is pushing productive efficiency by supporting businesses, corporations and SMEs, creating millions of direct and indirect jobs in the country, helping to tackle unemployment in urban, semi-urban and rural communities. By so doing, Heritage Bank is moving Nigeria forward on the watch of Ifie sekibo.

idris

Ahmed Idris and the Task of Maintaining Delicate Balance in the Disbursement of the Federation Accounts

The sleek figure of Ahmed Idris, the Accountant-General of the Federation, works his way around the crowded, oak-panelled office, in Abuja whenever the federal accounts allocation committee assemble to take decision on the sharing of the federation accounts. He sits down and reasons with MDAs and states to reconcile all payments in transit that has not hit the account yet, and take the net balance. That is fairness.

For Idris, meetings help him reach out and forge a network of support and build transparency. For the other stakeholders, it’s a chance to meet someone many expect to one day move up to higher responsibilties.

Idris has the strengths that so many people in government offices so conspicuously lack, not only critical thinking and complex competence but a grasp of detail. And his speech is a reflection of the depth of commitment, professionalism, faith in human and civilized principles and values. These attributes help him navigate the challenges of managing the federation accounts equitably. He is also concerned with e-governace and Government Integrated Financial Management Information System (GIFMIS) operations.

while many public officials have floundered during the coronavirus pandemic, Idris has been a beacon of calm and competence, intervening swiftly on how to spend billions of Naira supporting the different tiers of government so concerned with how to create jobs as the economy went into lockdown free fall. With restrictions lifted and life gradually coming into force in different parts of the country, Idris been part of those putting people minds at rest.

He is a man who believes in transparency And he communicates about it quite effectively in order to promote transparency. Last year December when President Muhammadu Buhari launched the transparency portal. Idris quickly worked out modalities for its workability

He gave a fluent defence of this measures at a media conference early this year.

“Nobody can be open without being transparent. One cannot be transparent without being accountable. In all these the principles of stewardship is entrenched to a very large extent on all workers in the government offices, agencies, ministries, parastatals and so on. These are the stewards. The public has a duty and responsibility to be informed and enlightened about what is going on, particularly where the management of resources or public funds are being spent. That is what the government is trying to do with most of these reform initiatives.

The objective is to be transparent, open, accountable, and to ensure the public is aware of what is going on with funds and resources being managed or kept on their behalf, reminding everyone that this is the treasury of the nation. What this means is that resources come in and out for one programme or another.”

Sometimes ago early this year, the Office of the Accountant-General of the Federation, OAGF, began a comprehensive review of treasury forms and other accounting source documents in use in all ministries, departments and agencies, MDAs, of the Federal Government.

A statement by Henshaw Ogubike, Director, Information, Press and Public Relations, noted that the review was in exercise of the mandate of the Accountant General of the Federation under FR.107 (n) to issue officially-approved forms bearing treasury numbers for use in all Federal Ministries, Departments and Agencies to ensure uniformity.

It added that already, the Accountant-General of the Federation, Idris, has inaugurated an inter-ministerial committee to handle the review of the documents.

Speaking at the inauguration of the committee, Ahmed said the committee was expected to identify all treasury forms and accounting source documents presently in use; come up with new formats in line with the public financial reforms; recommend additions or deletions of the contents; assign relevant number systems to the treasury forms and review the documents in line with GIFMIS (Government Integrated Financial Management Information System) operations.

He stressed that in carrying out the assignment, the committee should be guided by the Federal Governments quest for adoption of e-governance at all levels and the fact that all the public finance reforms initiatives being driven by the Treasury are predicated on full deployment of ICT solutions.

Rationale  for the review of the documents was because the contents of the treasury forms and other accounting source documents in use were no longer relevant and useful to drive the various public finance management reforms of the Federal Government, which are mostly ICT-driven. As a result, a comprehensive review and update of these accounting source documents was thus imperative for an efficient and successful implementation of government’s financial management reforms.

“He reiterated the government’s resolve to ensure a successful review of the documents and charged the committee to give the assignment all amount of seriousness it deserves and deliver on time.”

 

Last December, the Federal Government launched the transparency portal as part of the reforms against corruption. Under this arrangement, ministries, departments, and agencies (MDAs) were directed to submit daily, monthly, quarterly and annual treasury/financial

Addressing the press some months later, Idris explained that his office had have rolled out a portal to actualize the policy. He added that part of the problem is the sensitization of the public and capacity building for the officials that will handle the system. According to him,this is because the transparency portal is completely new and the operators at the MDAs would require to be trained. That is in the pipeline

Speaking further, he disclosed that the OAGF was giving them a maximum of four months to update their skills. Not only that. It would call the MDAs and sit with them on the portal for them to ask questions on what should be done and the way they should be handling the reporting from their respective MDAs, asserting that the fact that the president launched the

“We ae now trying to upload information to the portal. Some information are historical. They will need to be put in the system. Before that is done, the Financial Officers and those who will be managing the system from the MDAs will need to be trained. The public needs to be sensitized on what they should be expecting. All these are being rolled out now.”

Therefore, the fact that the portal has been launched does not mean that we are 100 per cent available to the public immediately. But, the portal is active. There are some useful information there. Every week one checks the portal, there is always an improvement in terms of what is available and what we were given. That is how we will populate the portal.

Talking about whether all these should not have come before the launching of the portal, what I have to say is that you cannot jump the gun.

“In government, you don’t begin to implement a policy unless there is an approval. Even the treasury single account (TSA), when we started, that was why the government had problems. There was some resistance. But, eventually, we are now there. Likewise the Integrated Personnel Payroll Information System (IPPIS). That is why we are having problems. Some are real problems because of resistance. Some because you cannot jump the gun to implement it. A budget cannot be implemented unless the National Assembly passes it and Mr President signs it into law.”

The Accountant-general’s affirmation of its support for transparency around the nation is a clear reflection of the deep strategic awareness of the danger of lack of transparency, which has infested many people in the country.

tony 2

Tony Elumelu: World-Class Banker and Africa region’s firefighter

The United Bank for Africa (UBA) and Transcorp Plc Chairman, Tony Elumelu, is a man with great foresight, resolve and compassion.  Welcome to the world of the Lion-king, the world of possibilities, lighted by the philosophy of Africapitalism.

Not every person, or even a nation, is able to stay on course while pursuing his long-term visions for growth, development and prosperity. In times of adversities, many with great vision sometimes digress, trip, falter or fail. Staying on course requires leadership’s foresightedness, resolve, consistency and eagerness to prioritize welfare of the citizenry. There cannot be a better example of this determination in Africa, right now than Elumelu, a business leader who has always delivered values, leading the youth on a path of prosperity.

Through his Tony Elumelu Foundation, (TEF) and Heirs Holdings, he has ensured the consistent funding of close to 10,000 entrepreneurs as well as job creation for millions of youths across all 54 African countries.

Elumelu is an entrepreneur who uses his resources and skills to build and nurture African youth on the path of glorious entrepreneurial journey, thereby building in them a strong psychological frame of minds to face the future. He has been at the forefront of calling on African leaders to build human capacity and competitiveness to further enhance the performance of all sectors. The goal is to ensure high quality life for all citizens through stronger and productivity to raise GDP growth.

Ever since 2010 , he has taken up the challenge of infusing African youth with hope and mentoring entrepreneurs. As a result of these, he has achieved a prominent slot in global recognitions, and has attained unparalleled celebrity position more than any African business man or philanthropist, in recent years, forming a cult-like status in the continent,  revered by youth and respected by political leaders, liberals and conservatives alike.

All these things have today made many  African youth to see a little of this man, the lion-king in themselves on television — three piece-suits, shinning shoes , seemingly meek, but ready to do lead way in the name of development.

A strong endorsement of this track record came recently when it was revealed that Elumelu stands as one of Times 100 Personalities, having achieved a prominent slot in global recognition. He is among three Nigerians named by the Time Magazine International on the 2020 TIME100, the annual roll of HONOUR of the 100 most influential people in the world. The other two Nigerians include Tomi Adeyemi and Tunji Funsho.

Elumelu is acknowledged as one of Africa’s leading investors and philanthropists for his achievements in business, industry and development not only in Nigeria in particular, but also in Africa in general. The list, now in its 17th year, recognises the activism, innovation, and achievement of the world’s most influential individuals in their respective fields of human endeavour.

His efforts has led to the development of a raft of entrepreneurs across Africa and has de-escalated tension across different regions, leading  toward gradually resolving the crises of lack of productivity, unemployment and poverty . This crisis is just one of dozens things Tony has been doing in the continent, assuming the role of the tireless firefighter.

He has developed new strategies to empower young generations with skill-sets and knowledge to fast-track the transition to a digital economy and prepare them for the future economy that will tackle the issues of sustainability and the Fourth Industrial Revolution.

He is known as a man of peace and development, the natural youth leader who most African youth look to when they need direction, an advice or an out of the box solution to a regional problem. A veteran banker who never shields away from employing his skills and big influence stature to infuse youth with possibilities, Tony has this gift which only few lead

Where there seems to be no hope, Tony functions as a symbol of hope and power to turn things around, even while operating from a disadvantage. Tony showed the power of working from a disadvantage — the more they underestimate you, the more satisfying the victory. This happened when he took over STB in 1997. He came into the limelight that year when he led a small group of investors to take over a small, floundering commercial bank Standard Trust Bank in Lagos. He turned it profitable within a few years.  And in 2005 he merged it with the United Bank for Africa during the bank consolidation era of the Central Bank of Nigeria, under the watch of Professor Charles Soludo. That banking group now has subsidiaries in 20 African countries and in the U.S and U.K. Elumelu also owns extensive real estate across Nigeria and a minority stake in mobile telecom firm MTN Nigeria, among other assets.

 

He continues to play great roles within the African continent to give hope, and bring calm even during the roughest storms that seem to continuously hit the African region in today’s world. In recent years, Tony has done many marvelous things, putting in commendable efforts across the Africa to activate private sector economic productivity and development in the continent. In  this way, he has been complementing the  effort of government across the Africa towards economic diversification, with each country taking steps to lessen the reliance on oil and mitigate the impact of its chronic volatility on their economies and people.

There is no doubt that human, social and cultural growth go hand in hand with developing and improving financial resources, which Tony has been concerned with. All these have combined to bring him accolades from across the world, including the TIME 100 award.

Elumelu is the Founder and Chairman of Heirs Holdings. His family-owned investment company, committed to improving lives and transforming Africa, through long-term investments in strategic sectors of the African economy, including financial services, hospitality, power, energy and healthcare. He is only one of four Africans on the 2020 list, recognised for his track record of business turnaround and value creation, and economic empowerment of young Africans.

Elumelu is also the Chairman of a pan-African financial services group, the United Bank for Africa (UBA), operating in 20 countries in Africa, the United Kingdom, and France. UBA is reputed to be the only African bank with a commercial deposit taking licence in the United States.The bank provides corporate, commercial, SME and consumer banking services to more than 21 million customers globally.

Elumelu also chairs Nigeria’s largest quoted conglomerate, Transcorp, whose subsidiaries include Transcorp Power, one of the leading generators of electricity in Nigeria and Transcorp Hotels Plc, Nigeria’s foremost hospitality brand.

On the plain of entrepreneurship Elumelu, who is the most prominent champion in Africa, in 2010 created The Tony Elumelu Foundation (TEF), the philanthropy empowering a new generation of African entrepreneurs, catalysing economic growth, driving poverty eradication.

Since its creation, the TEF has ensured the creation of millions of jobs for youths across all 54 African countries, particularly the funding not just under 10,000 entrepreneurs, but a digital ecosystem of over one million as part of its ten year, $100million commitment through the TEF Entrepreneurship Programme.

The Foundation, which is a self-funding institution, has increasingly shared its unique ability to identify, train, mentor and fund young entrepreneurs across Africa, with institutions such as the United Nations Development Programme (UNDP), the ICRC and leading European development agencies.

Heirs Holdings, which serves as a corporate role model for African businesses, and the Tony Elumelu Foundation will both celebrate 10 years of impact in November. Their mission continues to be inspired by  which positions the private sector, and most importantly entrepreneurs, as the catalyst for the social and economic development of the continent.

It is Tony’s belief therefore that the development models in African countries should not only focus on raising economic growth levels, but also prioritize education, training, investing in human capital and social development, since human development is the ticket to a more prosperous and secure future.

Given this scenario, it is clear that Africa  must consider creating funding for human capital investments through leveraging commodities revenues. These funds will be allocated to prepare and train the youth, empower them with future-focused skills and learning, build their capacities, and create jobs that enable them to utilize their skills to meet future demands in their countries and help develop new sectors of a future economy – one that is ultimately independent of commodities or oil.

Tony’s  message to everyone is that Africa has no option but to excel and move ahead. Retreat is never an option. This is Africapitalism philosophy in the world of the Lion-king, the world of possibilities. Welcome to that world.

dapo

The Silent Strategy of Dapo Abiodun- Impacting the future of Ogun state to Great Stories of Excellence

Governor Dapo Abiodun came aboard with characteristics of nobility, and is revered at home and recognised abroad for his protean productivity and impeccable business foresight. He has uncanny ability to spot goldmine where many see land mines. He equally understands that politics is a route to service, since leadership is service to society. And his belief that the doctrine of altruism and love must be preached as a counteraction to the doctrine of hate and greed that has overtime become the norm in political circuits powers his conduct in office as governor.

When Prince Dapo Abiodun was sworn-in as Governor of Ogun State on May 29, 2019, he made some solemn pledges in his inauguration speech. In the seventh paragraph of that speech delivered before a crowd at the MKO Abiola Stadium, Abeokuta, he affirms that: “You will always find in me, the conduct of Omoluwabi expected of Omo Teacher. I will govern with character. I will serve you diligently and sincerely. I will make your interests the core of governance. I will neither personalize nor abuse the mandate. I will not betray your trust.”

The above pledge has been consistently demonstrated and fulfilled by the governor in the course of his coming to power. It is rare to see so many politicians come into office with such characteristics of nobility.
On assumption of office, he defied expectation by not sacking workers employed by the previous government, nor abandon the projects being undertaken. Normally, people expected a new governor to follow the ‘established precedent’ of a new governor overturning what his immediate predecessor did. Rather, Prince Dapo Abiodun decided to set-up committees to look into gray areas.

These included last-minute employment and award of contracts, appointments of permanent secretaries and general managers of statutory bodies, last-minute loans and incurred financial obligations, abandoned and on-going projects, crises in tertiary institutions, and many more.

A personal friend of the governor gave a comment on this.  “In fact, those who were very agitated and expectant of drastic, it not vindictive actions, described the governor as ‘slow’, and his government as a ‘government of committees’. Yet, Dapo is trudging on, with the royalty in him taking the lead.

‘Omo Teacher’ decided to regularize and accommodate into the civil service, the over 1,000 workers hurriedly employed by the immediate past administration. He noted that despite flaws noted in the appointments and recruitments, his government has decided to be magnanimous, as a people-centred administration and not be vindictive. type

Despite flaws, he upheld all the appointments of the permanent secretaries made in the twilight of the last administration.

In the last one  and half years, and in spite of the fallouts of the coronavirus pandemic currently ravaging the world, Governor Abiodun has made a startling difference, elevating populations long treated as mere statistics in government circles into active participants in a new, project-driven and progressive era. This is why testimonies across the state continue to show the huge impact he and his stellar cabinet, a welter of distinguished intellectuals and trail blazers, have made in just a short while. Admittedly, though, only a few of the achievements can be mentioned in this piece.

From security to infrastructure, and from agriculture to business, tourism and spirts development, Abiodun has shown what it means to have a proven and time-tested wealth creator and agent of change at the helms of affairs. Governor Abiodun wasted no time in addressing security issues. He bought100 vehicles and 200 motorcycles to arrest security threats in the state after having first provided communications equipment for the security agencies. That was far from fortuitous: as a consultant, he had helped Lagos State conquer cross-border banditry in the 90s.

In the area of infrastructure, the Governor also did very well. No sooner than he was sworn in when he took the gospel of road construction to every nook and cranny of Ogun State, rejecting the window dressing of state capitals that frequently passes for “good performance” in this clime. Suddenly, he began to work in different places , including remote areas, where politicians typically only visit during campaigns. All these areas have now begun to feel government’s presence.

 

xxxxxx The provision of infrastructure is critical for socio-economic development in any nation. Like many states, nations and sub-regions around the world, Ogun State has had its share of infrastructure dearth such that the systems like transportation, housing, environment, education, healthcare, agriculture, power, security and social services, portable water are in dire need of maintenance and upgrade.

On assuming duties as the fifth Executive Governor of Ogun State in 2019, Prince Dapo Abiodun was unhappy with the deplorable condition of amenities within the state: the roads and bridges, school buildings, public hospitals and water plants, etc. He had to figure out ways of bridging the infrastructure gap to accelerate the socio-economic development vision, which was top priority.

With his diverse private sector experience on purposeful governance and robust developmental blueprint summarised as ‘Building our Future Together,’ Prince Abiodun was determined to open up all the nooks and crannies of the state through capital investments in infrastructure.

He facilitated massive road construction and rehabilitation within the 236 wards across the three senatorial districts, such that despite the meagre resources available to the state, over 50 roads have been completed and 19 are in progress within his first year in office.

Some of the road construction works include the Epe-Ijebu Ode and Sagamu-Abeokuta federal roads constructed by past administrations, but recently rehabilitated by the Abiodun administration through Public-Private Partnership. Others are Itoikin-Ibefun-Ijebu Ode, Iperu-Ilisan, Sango-Ojodu Abiodun, Ilaro-Owode, Abeokuta-Sango-Ota-Lagos, Osi-Ota-Awolowo-Navy-Kola and Balogun Kuku in Ijebu Ode. The ongoing works include the reconstruction of Opako Bridge in Adigbe, Abeokuta, several township roads and the abandoned 32-kilometre Akute-Ajuwon-Alagbole road.

Furthermore, the creation of Ogun State Public Works Agency (OGPWA) following the passage of the Ogun State Road Maintenance Agency (OGRMA) amendment bill into law has birthed several cost-saving opportunities through the massive construction, rehabilitation and maintenance projects. They have created streams of job opportunities, improved productivity, increased mobility and alleviated poverty within the state.

Noticeably, Abiodun’s view of road infrastructure is holistic and includes boosting agriculture and micro, small and medium enterprises (MSMEs) growth. The state government is also giving special attention to infrastructure development in the Agbara-Atan-Ota, Ewekoro-Ifo and Sagamu-Ogijo industrial hubs.

As a means of exploring the state’s proximity to the country’s commercial hub, the visionary governor is also partnering with the Lagos State Government on key joint ventures. This will help to fast track development and spill over of commercial opportunities.

Noteworthy is the fact that the people of Abeokuta North Local Government in particular, are excited by Governor Abiodun’s infrastructural achievements across the length and breadth of the state.

A recent visit to different communities within the local government showed that there has been enormous investment in infrastructure. These include the reconstructed Iberekodo General Hospital internal road, mobilisation of contractors to resume work on the Lafenwa roundabout road and Mokola flyover along Ajitadun-Adatan road, inherited from the previous administration.

To ensure all round security for people, Governor Abiodun established an agency to conduct, audit and provide a roadmap to actualising the “Light Up Ogun” project, with a view  to ensuring that most cities in the state have uninterrupted power supply. The objective is to regenerate the state’s old cities, places like Abeokuta, Ijebu-Ode, Sagamu and Ilaro, in a sustainable fashion and without compromising the future.

Another significant project was the revival of operations in the Arakanga water treatment plant which is responsible for supplying portable water to Abeokuta metropolis and its environs. Earlier this year, the governor had visited the comatose water plant and by March, households had started enjoying good water supply.

The governor’s bias for healthcare was evident in the reconstruction the public Primary Health Centre, in Adeun, Abeokuta North Local Government. The facility upgrade included the installation of solar power equipment and fencing.

Since the inception of the COVID-19 pandemic, the administration has set up a COVID-19 isolation and treatment centre at Iberekodo, carried out an aggressive distribution of palliatives to the youths and vulnerable, and fumigated Lafenwa, Olomore and Iberekodo major markets.

Prince Abiodun’s efforts in providing funds through the Central Bank of Nigeria (CBN) Anchor Borrowers Programme, supply of weed killer, fertilizers and agriculture fields to 3,500 farmers drawn from Abeokuta North Local Government and other LGAs are some of his giant strides in agriculture.

Similarly, the mass recruitment of youths into the Ogun State Environmental Protection Agency (OGEPA) and vocational trainings for artisans in plumbing, electrical and building works are under the direct labour initiative of the state ministry of housing. Also, several sons and daughters of Abeokuta North Local Government Area have been offered political appointments to the credit of the governor.

The establishment of Oko Owo Dapo and Care for Widows’ schemes have been great sources of empowerment and increased productivity for the beneficiaries. These welfare initiatives have positively impacted and improved the socio-economic activities in the beneficiary communities.

In like manner, the donation and installation of two new distribution transformers to Kemta/Ilugun in Abeokuta North Local government have resuscitated life and commercial activities.

And, fully apprised of the linkage between education and development, he also enacted the novel project of rehabilitating a school per ward in the state. There are 236 wards in Ogun and if every ward had a standard school with state-of-the-art facilities, the governor reasoned, the educational revival of the state would have begun on a sound footing.

The renovation of public classrooms in primary and junior secondary schools in Abeokuta North Local Government by Governor Abiodun’s administration has also been remarkable. The beneficiary schools include ANLG Primary School, Federal Housing, Elega, ANGL Primary School, Ilugun Asalu, Holy Prophet School, Isale-Ogun, OUS Primary School, Ikereku, Owu Methodist Primary School, Oke-Sokori and Moshood Abiola Model School, Adatan.

In addition, textbooks and teaching materials donated to public schools in the all local government areas, as well as the installation of Education Management Information System (EMIS) equipment in the Abeokuta North Local Government Education Authority to aid data collection and analysis. This has also been replicated in other Local Government Education Authorities within the state.

Over this feat, the National Association of Ogun State Students (NAOSS) commended him for what it called his administration’s remarkable achievements in the education sector within the last one year in office. The students’ body described governor as the most student friendly governor in the history of the state.

According to NAOSS, Governor Abiodun’s sincerity of purpose and sheer determination have changed the fortunes of the education sector for good.The Association attributed the unprecedented development in primary, secondary and tertiary levels of education to the commitment of the governor to restore the lost glory of education in the State.

The body lamented what it regarded as the negligence of education sector by the immediate past administrations in the state, claiming that “but for timely intervention of Governor Abiodun in the crises that bedeviled all the three levels of education in the State, the sector would have completely collapsed.

“We commend the courage, resilience and doggedness of Governor Dapo Abiodun in reviving the education sector of the State.” Says the students leader, Comrade Ogunrounmbi.

He added that, “One of the most remarkable achievements of Governor Abiodun is the rehabilitation of 236 primary schools across all the wards in the state.

“Besides these numerous achievements in the education sector, all other sectors of the State have also witnessed unprecedented development.”

NAOSS congratulated the Governor for achieving all the feats within a short period of one year and urged him not to relent in his effort to take the state to an enviable height.

He set up visitation panels to troubled higher institutions in the state and addressed the contending issues with dispatch. Since assuming office, Governor Abiodun has attended convocation ceremonies in all tertiary institutions in the state, interfacing with their management both formally and informally and seeking ways to make them deliver on their core mandates in research and innovation. He has given the best students in those institutions get automatic employment, to reward academic excellence and gradually build a civil service boasting the best materials. In any case, one of the first things he did upon being sworn-in as governor was to abolish the N3,700 educational levy imposed by his predecessor. The result? School enrollment exploded as parents heaved a sigh of relief.

In all that he has done in the past one year, Governor Abiodun has made the people’s comfort his mission. He has served and protected Ogun people, including from the ravaging impact of the coronavirus pandemic, about which the Federal Government recently gave a great testimony. He had set up five isolation centres, increased contact tracing, and set up testing labs. It was through his efforts that Nigeria’s index case was traced and quarantined. Returnees from Cote d’ Ivoire who could have transmitted the virus in Ogun were intercepted and the Osun State government alerted. For Abiodun, it’s been hard work all through, but the results have justified the labours.

gana

Building Trust & Re-affirming Faith in Nigerian Security System and our Humanity The NSCDC under the Watch of Ibrahim Gana Muhammadu

Alhaji Ibrahim Gana Muhammadu, Nigeria Security and Civil Defence Corps (NSCDC) can be described  a “great Nigerian” who believes in God, hard work, courtesy, service to community, and creativity. Being  a long-standing epitome of tolerance, peace  and creativity, he has been working on taking the corps to the next level since his assumption of office in 2015.

The Civil Defence is a para-military agency of rhe Federal Government under the Ministry of Internal Affairs mandated the Act of Parliament of 2003 as amended in 2007 with specific functions to protect critical national assets and infrastructure, register, train ,license and monitor private security guard companies in Nigeria, efficiently carry out disaster management through search and rescue, rehabilitation and mitigation among others.

And with growing security challenges, the corps involves in election assignments, help out in  monitoring examinations across the country. And where there security disturbances at the local level, the corps also helps calm the waters. Doing all these things have portrayed the corps as an agency that will help Nigeria achieve its future aspirations for a robust, thriving and sustainable economy.

These done, C-G Muhammadu  has also been  improving the relationship between the NSCDC and members of the public, building mutual confidence and putting the country’s security on a safer track.  He is keen to ensure that the NSCDC provide the highest levels of community happiness through providing the most innovative smart security services to the nation and members of the public. And true to his words, the Nigerian Security and Civil Defence Corps has been an example of relentless progress and the bedrock of trust in security and stability in the country.

Naturally, all human are into the aim of thriving our lives and security helps community live in peace as people want to have flourishing businesses and fulfilling lives, to nurture what is the best within themselves and improve their life experience. Creating assurance for people, civil Defence brings to our lives enormous benefits and that is what makes this security outfit as of pride and trust within the national security architecture. It is arguably the most trusted security outfit of government, with very disciplined and responsible officers, mostly credited with compassion. This has been the Nigerian Civil defence under C-G Muhammdu.

Appointed in July 2015 by President Muhammadu Buhari, Gana Muhammadu  embarked on agenda setting aimed at repositioning and re-defining the mandate of the corps in line with global best practices. His successes in NSCDC can be attributed to hard work and dedication to building symbiotic relationships which includes adding value to people, having the habit of giving and also working and partnering with the right people. Apart from these, his upbringing also plays a role in life and work.

Raised to be a God-fearing  family in a community of decent human beings, he has been taught early in life to believe in himself and value patience, which is why he is always grateful for all the experiences has had; the pleasant ones and the challenging ones, and all the people who have made an impact on him.

When you hear your parents talk about their values so often and you see them live those values, you tend to grow up internalizing those values as well. In his family, principles of forthrightness and fortitude were highly treasured. When he deals with colleagues and surbodinates, these ideals become quite useful, and every day he sees the results in the deep and long-term relationships he is able to build with partners and stakeholders.

Thus he focuses efforts on building the future of  NSCDC  based on a forward-looking vision that adopts global trends and developments, recruits  the brightest young minds  and supports officers,  encourages new innovations and creative ideas, and embraces advanced technologies to deploy security solutions to the nation. With these, NSCDC is fast becoming a defender of choice to the people.

In this context, it is important to look at the roles of the corps within the political-economy of Nigeria, especially when it relates to oil, emergency rescue and disaster mitigation. Refer to the fact that since oil is the backbone of the Nigerian economy, the NSCDC has the mandate of securing critical infrastructure. And it has been maintaining its leading role in the protection of oil pipelines and other critical oil assets across Nigeria with much integrity. And it has made significant progress in this area by reducing to the barest minimum incidences of pipeline vandalization and oil theft. Thus it is contributing a higher added value to the economy.

Another area of contributions of the NSCDC is in the area of building trust  and relationship with the civil populace.  The relationship between security agencies and the public has often been mired in crisis for much of the time. This is because many decision-makers  at the helm of affairs in the country security services believe that  building mutual confidence and putting relations with the public on  track will be a challenging long-term endeavour.

Communication with public seems to inch close to routine, deepening trust and making it more easy to reduce tensions and avoid miscalculation. The current state of affairs does serve the strategic interests of NSCDC and the country, and it puts national security  on a better footing.

This particular strategy has improved public perception of  the NSCDC under the watch of CG Muahammadu. Consequently, the significance of NSCDC in society has gathered more traction. And it is profoundly important to acknowledge, recognize and appreciate the roles of the civil Defence officers in helping to maintain peace and curtail sundry crimes such as rape, election violence and pipeline vandalism across the country.  As part of the security architecture of government, they help maintain law and order as well as promote the rule of law in security matters and enable justice to prevail. Their roles are significant and highly appreciated particularly in this era characterized by ethnic tension and large movements of people from one jurisdiction to another for various reasons.

Its officers are highly civil. Despite the fact that these officers deal with a wide range of, often complex and substantial issues, even outside tackling security problems, such as providing rescue  during emergencies. they display a high level of intellect, including honed emotional intelligence and the ability to master and deal with complex issues quickly. What matters most to them is fairness and justice. The public mood, political correctness and bias do not influence their decisions. They ensure that their decisions on the balance of probabilities are fair, sustainable and free from errors. They effectively approach their work with an open mind. When  they apprehend offenders, they scrutinize matters and evidences with a wider lens. And more importantly, they put service to the nation above self.

The recently concluded election in Edo state is a pointer to this. The Nigeria Security and Civil Defence Corps (NSCDC), had before that election disclosed that it deployed 13, 311 personnel and 60 sniffer dogs ahead of the Edo State governorship election to check electoral violence and ensure the safety of voters.

Commandant –General  Muhammadu, said the personnel were trained on COVID-19 pandemic safety guidelines for the election and to ensure that all electoral malpractices, violence, hooliganism and other vices that could affect the smooth conduct of the election were effectively checkmated.

He stated this during a meeting with chairmen of the Independent National Electoral Commission (INEC) and the Nigeria Centre for Disease Control (NCDC) in Abuja. Muhammadu said the agency would ensure that its personnel were well trained before being deployed to provide security anywhere in the country.

A statement issued by the Public Relations Officer (PRO) of the agency, Emmanuel Okeh, noted that the 13,311 personnel deployed to Edo State were drawn from the headquarters and neighbouring states of Kogi, Anambra, Bayelsa, Delta and Ondo to complement officers of Edo the State and Zonal Command in Benin

Despite the tumultuous episodes and frantic permutations preceding the Edo State governorship election, both the conduct and outcome of that election was not surprising to peace-loving Nigerians. Given the resources and goodwill expended, the election reflected some modest credibility and the peace, which well-meaning Nigerians didn’t anticipate.

Thanks to the forceful measures taken to ensure peace, the September 14 election experienced relative calm. Graciously, contrary to the initial expectations of many watchers of the event, the security agencies, especially NSCDC personified in Gana himself, did not succumb to the parochialism and corruption. At least to the average man on the street, the expected deployment of ‘‘federal might’’ to determine the outcome of the election was virtually absent. This too wasn’t expected.

The lesson expressed here is that when people are assured of safety and protection from harassment during elections, the electorate would  not fear to exercise their franchise. NSCDC members, as a result of their institutional culture on their own disregard the overtures of selfish and non-performing politicians and comport themselves with civility during elections. What is further revealed is the level to which misguided leadership has affected Nigerians. For a long time, critical political watchers have described elections in Nigeria as a hopeless situation, a travesty of democracy and a threat to the principles of good governance.  But with performance of institution like the NSCDC that perception is changing.

Salute to  CG Muhammadu, the management team  and  leaders of the NSCDC. The deep-rooted and benevolent values that are embedded in the structure of the organization have created a strong perception of trust for it, allowing members of the public to feel secure with the presence of its personnel.

 The leadership of the NSCDC is guided by a high degree of professionalism, mutual respect, efficiency and empathy, which should be a benchmark for all security agencies to emulate and follow all over. Whatever the crisis, the NSCDC personnel have always stepped forward to provide help and solace to those in distress. In this way, this security institution is helping the  government has put good governance into place and has left no stone unturned in improving the lives of the residents.

Nigerians are extremely helpful, humble and welcome people openly. Their hospitality is amazing, and this is due to the strong virtues they carry wherever they go. With a discipline institution like the NSCDC in place to assure security in a friendly atmosphere, people are happy and truly proud to move freely in this amazing country, and warmly cherish the experiences  they have with members of the civil defence..

New-Africa-Flag-Map-resized

AFRICA ECONOMIC DIVERSIFICATION AND HUMAN CAPITAL DEVELOPMENT IN THE FOURTH INDUSTRIAL REVOLUTION ERA

The most urgent things for African Leaders to do now are economic diversification away from commodities as well as build vibrant, competitive human resources. Some countries are making effort to do something. Despite these efforts, data from international organizations such as the World Bank indicate that the regional economy is still significantly driven by commodities revenue.

However, this is not necessarily a deterrent to economic growth. For years to come, the economic outlook indicates that commodities and oil will continue to serve as the backbone of the African region’s economy and remain the mainstay of all development across countries in Africa if urgent steps are not taken. This means they must do things on the path of research and development (R & D) innovation and capacity building. They must do thing that focuses on new economic sectors to exploit the unique advantages of each country. Considered a safe haven for economic stability, these new sectors prioritize investing in human capital as the winning formula for the future economy.

Given the close connection that the countries of Africa share with commodities – one that goes beyond the economic diversification plans of these countries – the volatility of commodity prices defines growth, slow-down or decline levels in these countries. This is acknowledged in the World Bank’s Reports for some years now.

In this context, the pertinent question is – how does Africa build strong foundations for economic sustainability away from commodities fluctuations in the medium and long term? Also, how can it enhance the connection between human capital and growth in all the 54 countries?

While governments across the region have introduced reforms to improve the business environment, there has not been enough concern, with infusing the youth with confidence, skill-sets, and facilitating entrepreneurship, to help young entrepreneurs in achieving their objectives and create new investment opportunities in promising sectors.

Policy adviser must encourage Government to embark on these things. Doing so will help push Africa up in order to achieve sustainable economic growth. Of course, his belief is that African governments must continue their fiscal consolidation efforts, diversify economic activities, create jobs in the private sector specifically tailored for women and the youth, and perhaps most importantly, accelerate investment in human capital through stimulating current government strategies to improve health and education outcomes. Authorities must also develop new strategies to empower young generations with skill-sets and knowledge to fast-track the transition to a digital economy and prepare them for the future economy that will be largely based on AI, big data and innovation.

After all, nations that have significantly invested in their people by way of education, human development and youth empowerment have leapfrogged their way to advancement.

download (2)

SMEs and CBN Economic Stimulus Funds

THE N200 billion relief support for small medium enterprises (SMEs) and other small businesses in the country from  Central Bank of Nigeria (CBN) and the Federal  Government comes with  too stringent procedures. These prevent too many SMS owners from accessing the fund.
Priority one on the NIRSAL Microfinance bank’s requirement is for those  SMEs intending to apply for loan to provide a certificate of completion of  Entrepreneurship before they could be considered at all. But we think financial literacy course, at no too much cost to those applying for the loan is necessary as well.

Many Nigeria SMEs are struggling in the area of financial literacy. Financial literacy is the ability to understand and effectively use various financial skills, including personal financial management, budgeting, and investing.The lack of these skills is called financial illiteracy.

Central Bank of Nigeria  should know this was affecting the country’s ability to create or grow SMEs. Most banks look at the SMEs track record, which points back to financial literacy, before approving a loan request.

The crutch of financial literacy is about creating wealth and have a series of income making assets so if one breaks down, there are still other generating income.Financial literacy is not really about the power of money but having a sound mind that will help people know how to use money and channel it to work rather.
With financial literacy and a good cash flow, it enables people to make good decisions, have good homes and good standards of living and bring the country up the poverty line.

Financial literacy is important because it equips us with the knowledge and skills we need to manage money effectively. Without it, our financial decisions and the actions we take — or don’t take — lack a solid foundation for success.
Nearly half of the working Nigerians don’t expect to have enough money to retire comfortably and that is the reality.

Most households in the country appear to be generally better at managing immediate and shorter-term financial activities but are less competent at managing longer term financial activities (including activities which require forward planning) and more complex financial activities, including those which require engagement with the formal financial system.

According to our findings, many Nigerians obtain credit from unlicensed moneylenders and loan sharks. Though there are no official statistics available, it is estimated that Nigerias unregulated lending sector may range from approximately 50 to around 280 registered businesses that offer short-term (pay-day) loans to government employees and to some private sector employees.That is not even taking into account all the non-registered businesses offering the same services.

Improved financial literacy can increase economic participation and social inclusion, drive competition and market efficiency in the financial services sector, and potentially reduce regulatory intervention.The push for financial inclusiveness is achieving considerable success, but greater understanding of money and savings is needed. This is where CBN should focus more.
Saving money is incredibly important. It gives you peace of mind, expands your options for decisions that have a major effect on your quality of life, and eventually gives you the option to retire. Most people who are wealthy got there through a combination of their own hard work and smart savings and investment decisions.
Only financial education will make a big impact on the SME ecosystem and  our community.

The Reassuring Leadership Of Atiku Bagudu In Kebbi State

The Reassuring Leadership Of Atiku Bagudu In Kebbi State

The Reassuring Leadership Of Atiku Bagudu In Kebbi State

Building symbiotic partnerships with the people to create  growth that is more innovation-led, inclusive, and sustainable

Abubakar Bagudu , Governor Kebbi State Nigeria,  is an inspiring and reassuring leader. A well-organized man of process and strategy, he is, often admired, for his belief in building trust and bridges based on a shared future, decided by the ballot box. No wonder, he is concerned with the well-being and security of his people, giving hope, building trust, tolerance and understanding and safety in a corner of Nigeria numbed by brutal terrorist violence, social injustice, economic deprivation.

 

His all-inclusive style of leadership and governance activities have kept Kebbi state secure and businesses in different industries in profit. And this has downplayed the traditional rivalry between the four emirates of the state and provided a common pedestal for all sons and daughters of the state, irrespective of party affiliation, to discuss the common interest of the state. Whoever is who in Kebbi State identifies with the government.

in this regard, he is turning the state to a land where the rich are becoming richer and the poor becoming better off than they have ever been, where services are being delivered more to rural areas, where accessibility via roads and bridges which used to be of major concern are being constructed. Not a place where public servants are working just for the interest of their political leaders and not the way people want or deserve.

With these, Governor Bagudu has validated the assertion that the world needs a decisive leader to whom they can look up to for guidance and reassurance. True indeed, people in different states want to look up to a reassuring leader rather than one who gives excuses. That is why it is in their best interest that the people of Kebbi state considered voting for someone like Bagudu to lead them in 2015. It is a huge thing they have done for their own good and for the good of humanity.

A man of strategy and few words and a man true to his word, he has single-handedly done more to prevent crimes and violence in his own part of Northern Nigeria — where one of the longest-standing terrorist campaign in West Africa festers that has claimed over 1000 lives and displaced 36,000 more — than many other governors in the region.

On June 12, Governor Bagudu gave an address where he talked about some of his achievements. since coming into power in 2015. He said these achievements were recorded in many sectors of the state, notably in agricultural transformation. Apart from this, other areas where achievements have been recorded include education, healthcare delivery, infrastructural development, power distribution, security network and environmental sanitation.   He said that the state government had purchased 100 tractors, threshers, rice rippers and power tillers to enhance agriculture. These he said had given rise to 450,000 news jobs and created 40,000 multimillionaires in the agricultural sector.

Of course, it is not possible to capture the multitude of the glaring giant strides recorded by Governor  Bagudu, these achievements are indeed as tangible, as timely, relevant and efficacious in further uplifting the ‘Land of Equity’ to greater heights. This has been the dream of Bagudu.

Agriculture

There is no doubt that Bagudu’s re-election for a historic and momentous second term by the people of the state is a clear indication and testimony to the ceaseless and invaluable love people of Kebbi State have for him in view of his tireless efforts to move the state forward in all spheres of human endeavour. Kebbi has remained the unbeatable pacesetter and trailblazer in agriculture, especially rice production with the attendant multiplier effects for the citizens, as well as the economy of the state and that of Nigeria in general.

It is no doubt that governor Bagudu’s giant achievements in agriculture, through the Central Bank of Nigeria (CBN), Anchor Borrowers’ Program geared towards improving rice production. Although, the 15 billion Naira scheme is owned and financed by the Federal Government as part of President Buharis economic diversification agenda, to make Nigeria sustainably self-sufficient in food production, especially bolstering the rice value chain.

This effort has greatly assisted President Muhammadu Buhari’s diversification agenda, to reduce over dependence on oil, as well as assisted the country in overcoming the hitherto economic recession and the stoppage of rice importation into the Country.

The scheme which was launched and flagged off by President Buhari himself, in November 2015, in Kebbi, had achieved tremendous successes, with the political support of governor Bagudu. Governor Abubakar Atiku Bagudu’s administration supported the program by also providing logistics support to the Anchor Borrowers Program committee to go out to all the 21 LGAs, to capture the bio-data of all genuine benefiting farmers, in order to ensure that, the only genuine small holder farmers got the loan.The program has also made many youths and civil servants who were hitherto not farmers to go back to the farms.

From 2016 to 2017, most of the pilgrims that registered to travel on holy pilgrimage to Mecca were farmers who got their money through the rice cultivation. The story did not also end here as many Kebbi farmers became instant, jubilant millionaires. The state also witnessed the influx of both foreign and local investors. Rice processors established rice mills, both big and small. Modern rice mills like Labana and Wacot established their bases in Birnin Kebbi and Argungu, respectively. Other mini ones abound in different parts of the state, such as the one in Lolo, Kamba, in Dandi local Government Area, Jega and Bunza, among others. It is on record that Oxfam, an international non-governmental organization came out to openly commend Kebbi State Government for allocating 10% of its budgetary allocation to agriculture, for over two years in a row. In 2016, N12.6 billion was allocated to agriculture and in 2017, a whopping N14 billion was further injected into the agricultural sector by Bagudu’s government.

Education

Education is another vital sector Bugudu’s administration prioritised, sensing that the sector holds the backbone of development of any society. The educational sector in Kebbi had previously suffered serious neglect by previous administration.The Kebbi State Government undertook massive renovation and reconstruction of new and existing primary, secondary and tertiary institutions across the state. In his Inaugural speech on the 29th May,2015, he decried, “the educational sector of the state is in shambles, schools over stretched without qualified teachers and structural infrastructure like classes, toilets and dormitories are in ruins over the years.”

To demonstrate his determination to overhaul the educational sector in the state, education received the highest allocation in his maiden budget. Governor Bagudu doled out over 5 billion Naira for the renovation of both primary and secondary schools in the state, including setting aside additional funds for the purchase of assorted learning materials in that same year to 2016.

Teachers and principals were appointed on merit, unlike a few years back when appointments were politicised. The students are motivated to perform and there is positive competition and that make them work harder. As a result in Kebbi secondary schools today, any failure cannot easily get into the system.

The Governor also awarded a contract for the renovation of 25 secondary schools across the state. The schools cut across the six zones; Argungu, Birnin Kebbi, Bunza, Jega, Yauri, and Zuru. To further enhance teaching and learning in 2019, Governor Abubakar Atiku Bagudu also approved the recruitment of three thousand (300) teachers for schools across the state. Girls secondary Schools across the state from each of the 4 senatorial zones were provided with new busses to facilitate their movement, to take part in sports and extracurricular activities, within and outside the state.

Governor Bagudu also ensures the prompt payment of scholarship to students studying at various institutions of higher learning, within and outside the state, including the payment of WAEC and NECO examination fees for secondary School students of the state. He also upgraded three higher institutions which are under the Ministry for Higher Education. The Permanent Secretary of the Ministry for Higher Education in the State, Dr. Isa Muhammad Sama, confirmed the development. The three institutions upgraded are Adamu Augie College of Education, Argungu, the Kebbi State School of Nursing and Midwifery, Birnin Kebbi and the School of Health Technology, Jega.

Health

Health is vital to life. Governor Bagudu is concerned with the health of people, though with a philosophy that health is everybody’s business in Kebbi state.Whether farming, processing rice in the mills, gardening, dancing, attending mosque or church, selling fish at the market or in formal employment, all Kebbi people and their families benefit when each person participates.

This is to solve the threats  facing the health of his people, to ensure that families, communities and workplaces do not lose the productive years of their men and women, that many women do not die giving birth to children, that babies don’t lose mothers and husbands don’t lose wives, that babies and children under five are no longer dying from preventable diseases.

When Bagudu got into office in 2015, Kebbi health systems were facing tough and complex challenges, partly derived from new pressures, such as ageing populations, growing prevalence of chronic illnesses, including the procurement and distribution of medical supplies. He attacked these from the taproots. This is to ensure that serious illness and preventable diseases do not take the productive years of Kebbi men and women. Also that they are in a clean and safe environment.

Bagudu was able to prepare a road map for achieving and delivering healthcare to citizens of the state, as well as to bring all health care sections under one roof, by providing an enabling law through the State House of Assembly. A series of medical outreaches were successfully conducted in the state, in collaboration with Moses Lake Medical Foundation from USA. Medical services including surgeries and medication, including feeding of patients were all provided free of charge to thousands of patients in Kebbi and neighboring states. Primary health care centers are being rehabilitated across the 225 wards in the state.

With his effort, preventable diseases appear to be leveling in prevalence in many part of the state as awareness of healthy lifestyles, sanitation and primary healthcare continues to increase rapidly  throughout the state

Governor Bagudu was in Takalau and several other rural areas to commission the renovated primary healthcare centers. In an effort to increase the manpower of the health sector and improve their working conditions, he approved employment of health personnel, especially Doctors, Pharmacists, Nurses/Midwives and other lower cadre staff such as cleaners, drivers and watchmen among others . Bagudus government also strengthened the free drugs programme for pregnant women and children under the age of five years, as well as routine immunization which led to the success of eradicating transmission of wild polio virus in the state. Sir Yahaya Memorial Hospital, Birnin Kebbi , one of the oldest General hospitals in the Northwest, is totally reconstructed, with new blocks, to a new befitting modern health institution by the Bagudu administration for greater delivery.

On the Coronavirus Disease (Covid-19), pandemic that is ravaging the world, Bagudu swiftly swung into action by taking plausible measures to contain the disease in the state, including setting up a Taskforce to control the spread of the disease and provide medication to patients. The governor doled out mouthwatering allowances to the Frontline medical health workers and members of the Task force. Isolation center and ICU were set up in Kebbi Medical Center, Kalgo and Sir Yahaya Memorial Hospital , Birnin Kebbi, with adequate beds and ventilators. This is in addition to the massive awareness campaign on Covid -19 specific to personal and environmental hygiene carried out for women groups and associations across the state.

Investments

Investment and Infrastructural development are two areas the administration of Bagudu accords priority with a lot of successes recorded. Government policies and programs in the agricultural sector, especially the success recorded in the Anchor Borrowers Programme, triggered the establishment of private rice mills, hence, big, medium and small ricemills sprang across the state. Notably, Labana Rice mills in Birnin Kebbi, Dangote Rice Mills at Shanga and Wacot in Argungu are glaring examples of big modern ricemills established in the state. Other medium and small ricemills also followed suit in Lolo, Dandi, Bunza, Jega, Suru, Yauri local government areas and even within Birnin Kebbi metropolis.

The establishment of such private ventures has no doubt led to employment of thousands of Youths and even women in the agricultural sector. Other prominent investors like Dangote and other Companies, as well as International Organizations like United Nations Industrial Development Organization (UNIDO), and the partnership between the United States African Development Foundation (USADF), and the Kebbi State Government strategic partnership for $10 Million enterprise investments cooperation in February, this year, were all geared towards industrialisation and opening up more opportunities for investments in the state. The joint memorandum of understanding to promote enterprise development of producer cooperatives in the state had since became effective.

The two parties have agreed to support agricultural producers and enterprises in the state ranging from provision of funds, equipment and capacity building. Each party has provided $5 million, making it a $10m dollars scheme for selected farmers’ cooperative groups across the state. A major Cassava- based Ethanol Programme is being undertaken under the able leadership of an illustrious son of the state, Professor M.A Kaoje. The programme which is being undertaken in partnership with NNPC, shall lead to ethanol production in Zuru Emirate. This project promises to churn out a whooping N388 billion revenue when finalized. Tomato factory at Gafara in Warra, Ngaski local government area of the state has reached an advanced stage. All these developments were sequel to the conducive business environment provided by government, such as tax waiver or reduction, free land allocation, access roads and other incentives necessary for the establishment of any company.

Infrastructural Development :

 Bagudu also deployed man and machine to give the pothole riddled Koko-Mahuta-Dabai road a facelift, Commuters now ply the road with ease. The government has also executed various projects that includes construction of bridges, culverts, and erosion control across the state. The completed bridge on the Suru-Giro, Kaoje-Illo and the Shema-Bakoshi roads that allows for free vehicular movement, business and other developments that strive in the areas are some of these projects.
Others are the 2.0 Kilometer completed erosion control project in Bunza, the Kwanar Dabai- Zuru township road awarded has been complete as well as the completed Maga-Ribah road and another 56.8 kilometer Ribah-Bena road projects.

Governor Atiku Bagudus administration has embarked on the rehabilitation of several other township road across the state. These includes the Sultan Abubakar road which runs from First-Bank to Rima round about through the Government House, and the First Bank round about to Sir Yahaya round about as well as Ahmadu Bello way which have been completed with effective drainage system. Other roads projects are the completed access road around Mechanic village, Birnin-Kebbi, the completed 31km Jega township, the rehabilitation of the Koko township, as well as the Tudun Wada Zuru and Birnin-Kebbi roads The abandoned Sabiyel-Kashinzama road inherited from the previous administration has been completed.

To solve the problem of the perennial flooding in some areas of the state capital Birnin Kebbi, the government expanded the Rafin Barau outfall, one of the major drainage in Birnin-Kebbi metropolis, to allow for free flow of water. To elide the re-occurring problems of flood in Birnin Kebbi. The administration discovered that unless the drainage is extended, the problem will persist, thus contract was approved by the state government to extend the outfall down to the Fadama area. Work on the Badariya-Kola Zuguru road which was awarded to the Nigerian Army Corps of Engineers on direct labour.

To encourage land and housing ownership, the present administration has allocated 10 hectres of land Gwadangaji to the Federal Government for its Mass Housing Project. 140 applications have been processed for the grant of Statutory Rights of Occupancy, 20 applications for consent for Mortgages and 88 certificates of Occupancy processed.

The importance of potable water cannot be overemphasized especially considering the adverse effect of unsafe water on the health of the people.
People of Kebbi State have, for long, grappled with problem of inadequate water supply. The State capital and other major towns were having problems with their water works while villages had their hand pumps, boreholes and other schemes not functioning.
In realization of the importance of potable drinking water to the generality of the urban and rural populace, the administration of Governor Bagudu embarked on the expansion and renovation of broken down water supply schemes in various parts of the State. These include motorized, solar operated boreholes as well as hand pumps and the procurement of water treatment chemicals for the supply of clean and healthy water to Birnin Kebbi, Zuru, Argungu and Yauri.

Electricity

As for electricity supply in the state, the people cannot but thank the present administration for ensuring steady electricity supply, especially in the state capital. The Rural Electricity Board has expended huge sums of money on the repairs of high tension lines, the connection of Equity FM Radio and other communities to the national grid. These include improvement of electricity supply to Gwandu town, supply of electricity to the Adamu Augie College of Education Argungu, Supply of 30 units of assorted transformers in the first phase and 40 supplied in the second phase. The 500KVA capacity of the new transformers have been installed at Hajiya Turai YarAdua General Hospital Zauro/Ambursa, Haliru Abdu Secretariat in Birnin Kebbi and two others to service Jega town.

Other areas that received the transformers are Gamji Gulumbe, Birnin Kebbi Local Government, Zara Birni, Gumbin Kure, Kuberi, Giwa-Tazo, Kalgo as well as in Nakengan and Kwali-Kwali in Dandi Local Government. They were also installed at Gwabaren Kasawa and Alwasa in Argungu Local Government, General Hospital Bagudo, Jabaka town, and Gudale in Augie Local Government Area, Nasara, Jiga Birni and Gumbin Dari in Aliero Local Government as well as Arewa Local Government Secretariat, Kangiwa.

Women and Youth development

In recognition of their vital role as caregivers and home planners, the Kebbi State Government, through the Ministry of Women Affairs has recorded laudable achievements in the promotion and implementation of programmes and activities geared towards the welfare of women and children ranging from health, education and entrepreneurship. Many women and youth organizations have benefited from trainings on skills acquisition, in addition to soft loans given to individuals and organizations, for enhanced businesses. Livestock, fish farmers, handset sellers and even transport unions like the NURTW and NARTO, have benefited from the loans guaranteed by the State Government to enhance their business.

Tourism Development

Over ten years, the Argungu International Fishing Festival known world wide for its fascinating fishing and cultural festival had been inactive. The festival could not hold largely due to security concerns. However, with improved security and huge financial resources released by Bagudu led administration, the festival took place successfully with President Muhammdu Buhari, the Senate President, Ahmad Lawal and many state Governors and Emirs across the country and beyond attended the event. The Kebbi State Government spent millions of Naira to rehabilitate and reconstruct major infrastructure in Argungu like roads, hotels, the fishing village, street lights and other facilities in the town. The Yauri Emirate ‘Rigata’ Festival was also revived with the active financial backing of Bagudu led government. The Uhola festival of Zuru Emirate and the Hutungo Fulani festival in Gwandu Emirate too had been supported by government to ensure their sustainability and boost the tourism sector of the state.

Peace and Security

Strengthen security, law and order is of prime interest to Governor Bagudu. He rose to this occasion. and he is doing everything possible to ensure that Kebbi state safe and peaceful for all so that industry and social lives can thrive without interruption. The Government routinely supports security agencies in the state especially in the areas of logistics and some materials. Even the National Bureau of Statistics adjudged the state to be the most peaceful state in Nigeria.

 Some parts of Northern Nigeria have come under siege in recent times due to the fact that they are being used by foreign criminal syndicates for transnational crimes, targeting mostly the North-East and some parts of the West Africa region. This could well be the case for terrorist activities too. But not in Kebbi state..

Kebbi is different from the rest of the North because of its security architecture and cooperation with the different emirates. Under Bagudu, Kebbi seems to tenfold its security strategy and operations.  And this is a wakeup call for other states to upgrade the level of effectiveness of national security resources in terms of manpower, logistics, infrastructure and funding, to effectively contain the prevalence of criminal activities.

 Bagudu. Of course, advanced developments in telecommunications such as internet and mobile phones with advanced applications, has made the world more accessible in terms of networking, planning and coordination, especially on the part of the perpetrators. Bagudu is aware of this, he has equally deployed them for security purposes.

To ensure security of lives and property of all citizens in the State, the Bagudu led administration participated in a joint security operation covering the Kamuku/Kuyambana forest involving seven states of Kebbi, Sokoto, Zamfara, Kano, Kaduna, Niger and Katsina.
The state   operation code name Operation Sharan Daji

Through this Sharan Daji operation, involving the Nigeria Army, Police, Air-force and other security operatives the state is secured against the menace of cattle rustlers and other criminals. Because of this secure nature of the state, farmers in different areas go about their normal daily activities without any fear.

Realizing the importance of peace to the development and progress of the state, the administration of Governor Abubakar Atiku Bagudu has resolved the age long border dispute between Benin Republic and communities in Kebbi state and also wadded into herdsmen farmer disputes across the state by identifying and institutionalizing the old cattle routes and grazing reserves.
To ensure the traditional rulers played a critical role in the maintenance of peace and security of lives and properties in their domain, a security summit was organized for traditional rulers in the state to intimate them on them as chief security officers of their respective domains.This enables  security agencies to raise the level of performance in order to be able to provide counter operations, including enhanced counter intelligence sharing.

In the last five years that his administration came into office in Kebbi State.  Bagudu has delivered a lot of positive changes in the ways governance is done in the state and ensure the revival of critical sectors of the States economy such as Tourism, Massive Agricultural Production and Investment.