Feature/OPED
A PIB-Centred Telephone Conversation with Comrade Joseph Evah
By Jerome-Mario Utomi
To help douse the swift and conflicting reactions, utter confusion and frustration raging in the minds of the Niger Deltans and other stakeholders, occasioned by the inexplicable and unexpected provisions of the recently passed Petroleum Industry Bill (PIB), I sought a telephone conversation with Comrade Joseph Evah, Coordinator, Ijaw Monitoring Group. That was a few days ago.
Essentially, on that day, at that time and in that place, I listened to him with rapt attention as his frankness made it very easy for me to be at ease in his presence.
After ‘watching’ him use analysis and well-crafted arguments to demonstrate among other concerns how the federal government is creating tension in the Niger delta that no human being can control, I concluded that what made the ‘meeting’ crucial was not its focus on the Petroleum Industry Bill, but how well the new awareness will serve the interest of the nation.
Beginning with the 3% allocation to the community, he said; well, as you can see, every normal human being from the Niger delta is against the 3% or 5%. They are in support of the community’s demand of 10%. Yes.
Although, like the Bible says; no one can enter a strong man’s house without first tying him up. Then he can plunder the strong man’s house Mark 3:27. Those who want to frustrate us or make nonsense of our heritage are now sponsoring some of our children who are betrayers to work against our common objective.
We are telling the Federal Government that they are creating tension in the Niger delta that no human being can control. This is the time the Government is talking about Nnamdi Kanu and IPOB. This is the time that the Government is worried about Sunday Igboho of the Yoruba nation. All these agitations are because of injustice. Instead of the Buhari government to do something to build our unity, he is by his actions encouraging the separatist movement. If it is at this time that this kind of bill is coming up, it means the government is also encouraging separatist movement in the Niger Delta
Providing direction to this conversation, I asked; how would you evaluate the role played by the representatives from the south-south region?
And just immediately, he gave this tragic-comic reply; we said they should come and give us a report of what happened, we are waiting for them. We have called their Telephone lines, and all their phones are not working. Yes! All their Telephone lines are not working; I have called some of them and their phones are not working.
Some of them at the National assembly are my cousins. Their Telephones are not working. They are all betrayers and they are hiding. They have put their names as Judas. They are the Judases of Niger Delta. We cannot fold our hands for something that in the next ten years will backfire on us.
In the next ten years from now, anybody can become Nigerian president and do whatever they like, because they believe that the Niger Deltans are the only people that send betrayers to the national assembly. We will not encourage that.
We expected them to walk out of the National Assembly. Other regions have in the past walked out of the national assembly. And there was reconciliation because those people walked out of the national assembly. What have they been sitting down like Mumu at that place for? What are they benefitting? So, we are angry. They are Mumu. People from other tribes see them as betrayers of their region. In Abuja, they are shameless people moving about.
On 13% derivation, he captures it this way; we are not saying 100% as our expectation but because we are human beings, we will continue to talk to our leaders, let this thing be workable.
In 1999, I made a submission to Chief Olusejun Obsanjo, the former President of the Federal Republic of Nigeria, I remember telling him that the 13%derivation should be changed, and should not be given to the Governor because the governors see the 13% as a Christmas party.
Instead, he added, let us apply what Babangida did. Babangida used trade by barter to build Abuja. He started the 13% with Julius Berger because Julius Berger could not be corrupted. Julius Berger built the Aso rock; Julius Berger built 90% of all the facilities. It was Julius Berger that changed Abuja to London. So, if he gives part of that 13% to Julius Berger Construction Company, you will see that Niger Delta will change to London.
To help make the conversation more rewarding, I (the author) asked this solution-oriented question; how will the region remedy the situation bearing in mind that Mr President is yet to sign the bill into law?
Let’s again listen to Comrade Evah; that is why we are appealing to the president to do the needful so as not to encourage the separatist movement in the Niger Delta. He should send the bill back to the National Assembly for them to revisit it again. Even the Supreme Court reverses itself when the need arises. So why can’t the National Assembly? That is our advice for him
Yet again, the author fired; what do you think is the holistic approach to the Niger Delta challenge?
Hear him; the holistic approach to the Niger delta challenge strictly depends on those who are ruling the country. It depends on their ability to assemble the nation’s first eleven for the purpose of development, as used after the civil war. It means selecting people who are focused and impeccable.
Politics has bastardized everything. No investments for our children, nothing, the universities are not working. How come Buhari who has been a former military Governor, former Minister and former head of state cannot assemble people who are credible, people who are productive? All we have witnessed is everyday borrowing? What kind of government is that? When they promised to change, we never knew that it was borrowing change.
At this point, the author urged that the conversation moves from an expression of grief to finding a solution. Can’t our electoral system address the present leadership challenge in the country particularly, the issue of the first eleven as mentioned above?
He responded thus; yes, elections can but our electoral process cannot be trusted. If we want to deal with and correct this situation, we must learn to spend less money on elections. Through that process, you will see the beauty of democracy. The best candidates will emerge. But will they allow it? It will not be allowed. We have some members of the National Assembly that go there to sleep. Some of them have been part of the National Assembly right from the government of Shehu Shagari. We have to confront these people. That is why we are confronting them.
He continues; I hope that all that we are saying on television and newspaper Mr President sees them unless the press secretaries will be hiding television from him because that is what some press secretaries do. Instead of the president watching news channels, press secretaries will tune to cartoon networks. Instead of them showing him newspapers on national matters, they show him any magazine that contains cartoon networks.
Those who are guarding the president give the president a fake opinion. They are blocking people from coming to tell the truth to his ears. That is the problem. All the press secretaries around the president need to repent. Give him newspapers on national matters to look at the opinion of the people. It will help the president to manage Nigeria.
The above scenario notwithstanding, Comrade Evah noted that leaders from the Niger Delta, particularly members of PANDEF have made a lot of moves. They are still making moves and the Ijaw National Congress leaders too; are still making moves to visit the Aso Rock to talk to the president. The problem is that, will the president be fair enough to do that?
On his thoughts about how the Amnesty programme can bear the targeted result, watch out for part two of this piece.
Jerome-Mario Utomi is the Programme Coordinator (Media and Public Policy), Social and Economic Justice Advocacy (SEJA), Lagos. He could be reached via [email protected]/08032725374.
Feature/OPED
The Future of Payments: Key Trends to Watch in 2025
By Luke Kyohere
The global payments landscape is undergoing a rapid transformation. New technologies coupled with the rising demand for seamless, secure, and efficient transactions has spurred on an exciting new era of innovation and growth. With 2025 fast approaching, here are important trends that will shape the future of payments:
1. The rise of real-time payments
Until recently, real-time payments have been used in Africa for cross-border mobile money payments, but less so for traditional payments. We are seeing companies like Mastercard investing in this area, as well as central banks in Africa putting focus on this.
2. Cashless payments will increase
In 2025, we will see the continued acceleration of cashless payments across Africa. B2B payments in particular will also increase. Digital payments began between individuals but are now becoming commonplace for larger corporate transactions.
3. Digital currency will hit mainstream
In the cryptocurrency space, we will see an increase in the use of stablecoins like United States Digital Currency (USDC) and Tether (USDT) which are linked to US dollars. These will come to replace traditional cryptocurrencies as their price point is more stable. This year, many countries will begin preparing for Central Bank Digital Currencies (CBDCs), government-backed digital currencies which use blockchain.
The increased uptake of digital currencies reflects the maturity of distributed ledger technology and improved API availability.
4. Increased government oversight
As adoption of digital currencies will increase, governments will also put more focus into monitoring these flows. In particular, this will centre on companies and banks rather than individuals. The goal of this will be to control and occasionally curb runaway foreign exchange (FX) rates.
5. Business leaders buy into AI technology
In 2025, we will see many business leaders buying into AI through respected providers relying on well-researched platforms and huge data sets. Most companies don’t have the budget to invest in their own research and development in AI, so many are now opting to ‘buy’ into the technology rather than ‘build’ it themselves. Moreover, many businesses are concerned about the risks associated with data ownership and accuracy so buying software is another way to avoid this risk.
6. Continued AI Adoption in Payments
In payments, the proliferation of AI will continue to improve user experience and increase security. To detect fraud, AI is used to track patterns and payment flows in real-time. If unusual activity is detected, the technology can be used to flag or even block payments which may be fraudulent.
When it comes to user experience, we will also see AI being used to improve the interface design of payment platforms. The technology will also increasingly be used for translation for international payment platforms.
7. Rise of Super Apps
To get more from their platforms, mobile network operators are building comprehensive service platforms, integrating multiple payment experiences into a single app. This reflects the shift of many users moving from text-based services to mobile apps. Rather than offering a single service, super apps are packing many other services into a single app. For example, apps which may have previously been used primarily for lending, now have options for saving and paying bills.
8. Business strategy shift
Recent major technological changes will force business leaders to focus on much shorter prediction and reaction cycles. Because the rate of change has been unprecedented in the past year, this will force decision-makers to adapt quickly, be decisive and nimble.
As the payments space evolves, businesses, banks, and governments must continually embrace innovation, collaboration, and prioritise customer needs. These efforts build a more inclusive, secure, and efficient payment system that supports local to global economic growth – enabling true financial inclusion across borders.
Luke Kyohere is the Group Chief Product and Innovation Officer at Onafriq
Feature/OPED
Ghana’s Democratic Triumph: A Call to Action for Nigeria’s 2027 Elections
In a heartfelt statement released today, the Conference of Nigeria Political Parties (CNPP) has extended its warmest congratulations to Ghana’s President-Elect, emphasizing the importance of learning from Ghana’s recent electoral success as Nigeria gears up for its 2027 general elections.
In a statement signed by its Deputy National Publicity Secretary, Comrade James Ezema, the CNPP highlighted the need for Nigeria to reclaim its status as a leader in democratic governance in Africa.
“The recent victory of Ghana’s President-Elect is a testament to the maturity and resilience of Ghana’s democracy,” the CNPP stated. “As we celebrate this achievement, we must reflect on the lessons that Nigeria can learn from our West African neighbour.”
The CNPP’s message underscored the significance of free, fair, and credible elections, a standard that Ghana has set and one that Nigeria has previously achieved under former President Goodluck Jonathan in 2015. “It is high time for Nigeria to reclaim its position as a beacon of democracy in Africa,” the CNPP asserted, calling for a renewed commitment to the electoral process.
Central to CNPP’s message is the insistence that “the will of the people must be supreme in Nigeria’s electoral processes.” The umbrella body of all registered political parties and political associations in Nigeria CNPP emphasized the necessity of an electoral system that genuinely reflects the wishes of the Nigerian populace. “We must strive to create an environment where elections are free from manipulation, violence, and intimidation,” the CNPP urged, calling on the Independent National Electoral Commission (INEC) to take decisive action to ensure the integrity of the electoral process.
The CNPP also expressed concern over premature declarations regarding the 2027 elections, stating, “It is disheartening to note that some individuals are already announcing that there is no vacancy in Aso Rock in 2027. This kind of statement not only undermines the democratic principles that our nation holds dear but also distracts from the pressing need for the current administration to earn the trust of the electorate.”
The CNPP viewed the upcoming elections as a pivotal moment for Nigeria. “The 2027 general elections present a unique opportunity for Nigeria to reclaim its position as a leader in democratic governance in Africa,” it remarked. The body called on all stakeholders — including the executive, legislature, judiciary, the Independent National Electoral Commission (INEC), and civil society organisations — to collaborate in ensuring that elections are transparent, credible, and reflective of the will of the Nigerian people.
As the most populous African country prepares for the 2027 elections, the CNPP urged all Nigerians to remain vigilant and committed to democratic principles. “We must work together to ensure that our elections are free from violence, intimidation, and manipulation,” the statement stated, reaffirming the CNPP’s commitment to promoting a peaceful and credible electoral process.
In conclusion, the CNPP congratulated the President-Elect of Ghana and the Ghanaian people on their remarkable achievements.
“We look forward to learning from their experience and working together to strengthen democracy in our region,” the CNPP concluded.
Feature/OPED
The Need to Promote Equality, Equity and Fairness in Nigeria’s Proposed Tax Reforms
By Kenechukwu Aguolu
The proposed tax reform, involving four tax bills introduced by the Federal Government, has received significant criticism. Notably, it was rejected by the Governors’ Forum but was still forwarded to the National Assembly. Unlike the various bold economic decisions made by this government, concessions will likely need to be made on these tax reforms, which involve legislative amendments and therefore cannot be imposed by the executive. This article highlights the purposes of taxation, the qualities of a good tax system, and some of the implications of the proposed tax reforms.
One of the major purposes of taxation is to generate revenue for the government to finance its activities. A good tax system should raise sufficient revenue for the government to fund its operations, and support economic and infrastructural development. For any country to achieve meaningful progress, its tax-to-GDP ratio should be at least 15%. Currently, Nigeria’s tax-to-GDP ratio is less than 11%. The proposed tax reforms aim to increase this ratio to 18% within the next three years.
A good tax system should also promote income redistribution and equality by implementing progressive tax policies. In line with this, the proposed tax reforms favour low-income earners. For example, individuals earning less than one million naira annually are exempted from personal income tax. Additionally, essential goods and services such as food, accommodation, and transportation, which constitute a significant portion of household consumption for low- and middle-income groups, are to be exempted from VAT.
In addition to equality, a good tax system should ensure equity and fairness, a key area of contention surrounding the proposed reforms. If implemented, the amendments to the Value Added Tax could lead to a significant reduction in the federal allocation for some states; impairing their ability to finance government operations and development projects. The VAT amendments should be holistically revisited to promote fairness and national unity.
The establishment of a single agency to collect government taxes, the Nigeria Revenue Service, could reduce loopholes that have previously resulted in revenue losses, provided proper controls are put in place. It is logically easier to monitor revenue collection by one agency than by multiple agencies. However, this is not a magical solution. With automation, revenue collection can be seamless whether it is managed by one agency or several, as long as monitoring and accountability measures are implemented effectively.
The proposed tax reforms by the Federal Government are well-intentioned. However, all concerns raised by Nigerians should be looked into, and concessions should be made where necessary. Policies are more effective when they are adapted to suit the unique characteristics of a nation, rather than adopted wholesale. A good tax system should aim to raise sufficient revenue, ensure equitable income distribution, and promote equality, equity, and fairness.
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