Feature/OPED
Buhari and Appointees: The Consequence of Actions
By Omoshola Deji
Just as you and I can’t detach from our bloods because of their imperfections, President Muhammadu Buhari (PMB) has lethargically handled the insubordination and incompetence of his appointees as if their surname is Buhari. Bit by bit, this inertness to discipline is concreting public doubts in PMB’s ability to navigate Nigeria’s sinking ship to the treasure-island of ‘change’.
This piece is of dual significance. First, it fills a crucial lacuna in the Nigerian political analysis. You may have observed that media reports, articles, protest speeches and opinion statements have largely ignored the consequence of Buhari’s appointees’ action on Buhari.
Ad infinitum, the appointees orate their allegiance, while most of their actions have been returning ruins to the president. What are the aftereffects?
Second in significance, this piece transcends politics to mirror our lives. It is a political surgery to unstitch how our actions bring unintended detrimental consequence to our nearest and dearest, even though we genuinely love them and sincerely wished no harm.
Not discounting the need to clarify, appointees connote anyone appointed by PMB. This includes, but not limited to the ministers, security chiefs, ambassadors and the heads of government agencies.
Please endeavour to read this piece as I will be untwisting twists, connecting the-political-dots-of-truth and capping my analysis with a political philosophy on leadership and governance. Don’t miss it!
Piloting Nigeria is herculean and PMB must delegate duties. The four months post-inauguration delay to make crucial appointments infuriated Nigerians as PMB claimed he is scouting for experience, competent, non-corrupt and dedicated persons.
After the long wait, some of his appointees turned out to be people of questionable character and the most vital appointments were allocated to individuals from northern extraction.
Clearly, PMB’s appointees are products of political patronage, political recommendation, personal affiliation and popular commendation.
One of the appointees who fell under PMB’s grace is Ibrahim Magu, the Acting Chairman of the Economic and Financial Crimes Commission (EFCC). However, the Senate’s rejection of Magu as EFCC Chairman validates the existence of an antagonistic cabal in the presidency. Anyone exonerating the presidency and castigating the Senate on Magu is unobserving and soppy. Before heads roll in an anti-corruption focused government, liaising with the national-assembly to confirm the nomination of the EFCC chairman must be first accomplished.
Unfortunately, PMB crushed Magu by allowing him act for too long. During this period, Magu has stepped on some powerful toes in the presidency and has sown the prison garment of some senators, politicians and shady businessmen.
This array of persons considered Magu’s confirmation an abomination. Pathetic, the DSS – an agency under PMB – helped the Senate nail Magu by submitting and resubmitting damning reports against him, even when PMB have cleared him of the corruption allegations.
Please bear in mind that a mutinous act is weighty enough to award you an instant execution under Kim Jong-un of North-Korea.
Regardless of the DSS intents and purposes, their mutiny immensely diminished PMB’s reputation to the lowest low and further affirmed Aisha’s (wife of the president) outburst that her husband’s government has been hijacked by the principal officers and outsiders.
To salvage the situation, Nigerians clamoured that PMB should dig up the roots of conspiracy and insubordination by sacking those culpable or at least make some restructuring.
Sullenly, the president has been out of earshot and his actions lethargic. The consequence of this is for Nigerians to label him weak, incompetent and indecisive.
Without a doubt, the supremacy battle between the Senate and the Nigerian Customs Comptroller-General, Hameed Ali, is one out of the many issues straining the executive’s relationship with the legislature, especially the Senate.
The face-off began when Ali proposed a nationwide clampdown on automobiles that have evaded the payment of customs duty. Ali was appointed to head Customs in 2015. Grading two years, Ali’s accomplishment is remarkable, but the retired military colonel refused to wear the Customs uniform, being the outfit of a para-military agency.
The Senate roared and insisted Ali must appear before her in uniform. Vast in ability but limited in capacity, it is ultra-vires for me to decide the legality or illegality of Ali’s choice of outfit. Be that as it may, I have a testimony!
I appreciated Ali’s handling of Customs when I met a Nigerian business man abroad. The man, from Northern extraction, had a personal relationship with Ali and proved this by showing me photos they took together.
To my surprise, the man complained bitterly about how the uncompromising nature of Ali is affecting his profit. The man had sought Ali’s intervention for a reduction in customs duty, but Ali turned down his request and insisted that appropriate duty be paid. Based on this testimony with proof, Ali won my admiration instantly! However, the planned clampdown on automobiles made Ali lose a bit of my admiration.
Acting arrogant and that his inappropriate actions could set people against the government made Ali lose my admiration further. At a time when the president is battling with health issues and struggling to convince Nigeria that he is alive, able and capable to continue as president, what is needed is not an anti-masses policy that will frustrate the anger of the citizens. Ali failed to study national mood. Recall that GEJ and PMB removed fuel subsidy, but the nationwide reaction was different. At a time when recession is biting hard on the populace, food prices skyrocketing, Naira depreciating and businesses collapsing, one of the easiest ways to get people revolt against the government is the implementation of an obnoxious auto clampdown policy. Again, Ali, an appointee, carelessly fails to consider the consequence of his action on PMB.
Another worthy instance is when the Minister of Transport, Rotimi Amaechi, tried to halt the take-off of the Nigerian Maritime University (NMU) in Okerenkoko, Delta State.
In a region where the nation generates her main income and the populace are hostile to government, Amaechi should not be igniting fire, but doing all he can to increase affection for PMB and creating a political soft-landing for APC in 2019.
If not for the wisdom of the Minister of State for Petroleum, Ibe Kachukwu, who immediately declared support for the NMU project, Ameachi had unintentionally, but successfully fertilized animosity between PMB and the Niger-Delta. Hostility triggering acts does not end with Amaechi.
Under a president that relegated ethnics and others trying to secede have tagged ethnocentric, the Inspector General of Police, Ibrahim Idris, failed to negate the arrest of only Yoruba natives after the Ile-Ife clash between the Yoruba and the Hausa-Fulani.
In truth, no one would have clamoured if more Yoruba’s were arrested, but to exonerate the Hausa-Fulani’s and attempt to prosecute only the Yoruba’s is one of the best ways to declare PMB persona-non-grata in the Southwest.
The Southeast and South-south are largely not admirers of PMB. If the Southwest also becomes hostile, what will be the fate of PMB’s political fortune or that of his anointed successor?
Palpably, many lives and properties would have been saved if the police handling of the Ile-Ife crisis is replicated in Southern Kaduna and Benue. Are the Fulani herdsmen under immunity? Why didn’t they carry out their black acts when PMB was on medical vacation abroad?
Indeed, salt spilled on injury when PMB’s men, Abba Kyari and Babachir Lawal, ignored consequence and got themselves embroiled in the MTN bribe and invasive-plant-species corruption scandals respectively.
Also, Professor Sagay would not consider the implication of making uncouth statements on PMB’s relationship with the Senate. That’s not enough! Sagay would further display confidence by tongue-lashing anyone who dares to caution him, including the ruling All Progressives congress (APC). A right man with the wrong team, PMB’s main problem is his appointees.
Discipleship also worsens the situation. Rather than utilize their talents in the Gulder Ultimate Search, the Buhari fanatics have embarked on a no-reward mission trying to find justifications for why an ex-military head coddles insubordination and incompetence, especially when it erodes his reputation, support and political strength.
It is sad that most Nigerians are yet to rise above ethno-religious and political sentiments. Unfortunately, most of these sentimental souls are the ones in dire need of PMB’s ‘change’. My support for PMB is indeed conditional. It is conditioned on him conditioning an equitable, developed and secured Nigeria. Let’s connect the political dots-of-truth.
If you are a devotee of Buharism – ardent supporters of anything Buhari – you are a genuine ‘change’ disciple if you not only applaud PMB’s strides, but also rise above sentiments to embrace steps that will make him perfect his imperfections.
Deceive yourself no further! If you are not part of PMB’s immediate family, all you can benefit from is a better Nigeria.
To those who never want to hear “Bu” not to talk of “Hari”, whether you like it or not, so long as you are a Nigerian, Buhari is your president, at least till 2019. Therefore, if your paramount interest is a better Nigeria, you need sheathe your sword and support anything that will ensure PMB succeeds in fixing Nigeria.
To the opposition parties, adopting calumny tactics to destabilize government is also to your disadvantage. You surely wish to take over something meaningful. You want to consolidate something, not nothing!
To PMB, this is a wake-up call to perfect his imperfections and be cautious of his place in history. Does history matter at all? Why must PMB not allow the insubordination, incompetence and shenanigans of his appointees ruin his administration? Let’s explore this simple interpretation of an ancient political philosophy on leadership and governance (read slowly to grasp).
Who builds the society? History books have the names of Kings as the ones who built the society. Are the Kings really the ones that built the society? The Kings were not seen ‘carrying bricks’ to build the socieeetyyyy! The King’s slaves and aides were the ones who carried bricks, toiling day and night, in the rain and sunshine, to build the society. Why should the history books not be filled with the names of this real builder of the society?
No! The history books can’t have any name except that of the Kings. The King’s initiated the vision on how to best build the society. This vision was only executed by the King’s tool – the slaves and aides. When the society was being built, the Kings were not sleeeeeping or making meeeeerrrry! They ordered and oversaw the building of the society. The Kings’ proper utilization of their tools led to the success of the building of the society. If the building of the society had failed, the history books would document no one as a failure other than the Kings.
Omoshola Deji is a political and public affairs analyst. He wrote in via [email protected]
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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