Feature/OPED
Ekiti 2018 Governorship Election: Foretelling the Outcome
By Omoshola Deji
Democracy is basically the right of the governed to elect who governs. The people of Ekiti State, Southwest, Nigeria, would troop out on July 14 to elect who’ll govern them for the next four years. Over 30 candidates are running, but the election is ostensibly a two-horse race between Dr John Kayode Fayemi of the All Progressives Congress (APC) and Professor Kolapo Olusola ‘Eleka’ of the Peoples Democratic Party (PDP).
This piece sets sight on foretelling the outcome of the election. Before proceeding, the below-average logical reasoning ability of the Nigerian political class makes some clarification necessary. Foretelling an election outcome doesn’t mean the pundit has access to sacred information, rigging plot, or the election winning strategy of any candidate. Assessing the strengths and weaknesses of candidates to predict who’ll emerge is a common practice in developed nations. This doesn’t mean the pundits are compromising the electoral process or influencing the election results. Ekiti people have already decided who they’ll cast their votes for before now and nothing – not this piece – can easily change their mind.
It is also necessary to clarify that predictions not coming to pass doesn’t mean the pundit’s forecast is fictitious. Election in Nigeria goes beyond voting and counting; it is usually a battle to retain or regain power at all cost. Political parties persistently decimate each other and manipulate the electoral process. The strongest candidate is often declared winner, not the peoples’ choice. Operating in a different way, pundit’s share their verdicts after a thorough assessment of the candidate’s political strategy, leadership capacity, antecedents, manifestoes, structure, acceptability etc.
The Ekiti election is a battle of interests, relevance and political survival. The newly selected National Chairman of the APC, Comrade Adams Oshiomole, wants to prove his competence by winning Ekiti. The APC seeks to gain total control of the southwest region by winning Ekiti – the only state being governed by the PDP. Ekiti also determines the political permutations of 2019 and beyond. If APC wins, the presidency would treat the Southwest like a newly wedded wife in order to harvest votes for Buhari in 2019. Bola Tinubu’s negotiating power for 2023 presidency with the North would rise steeply if APC succeeds in Ekiti.
The Ekiti state governorship election is a political boxing rematch between Fayemi – an ex-governor seeking reelection – and Ayodele Fayose: an incumbent governor seeking to install his deputy, Olusola, as successor. In 2014, then candidate Fayose defeated the then governor Fayemi across the entire 16 local governments of the state.
Controversy however emerged when an army officer, Captain Sagir Koli, and PDP chieftain, Dr Tope Aluko revealed that the then government of ex-president Goodluck Jonathan aided Fayose’s victory with financial and military support in 2014. Power has changed hands at the centre and Fayemi now have the federal backing Fayose once had. Would Fayemi use the federal might against Fayose and his candidate?
The July 14 election is a referendum on Fayose’s popularity in Ekiti state. Fayose chance of becoming the PDP vice-presidential candidate in 2019 is high if he wins Ekiti for the party. This may unfortunately not be his lot as the APC would do all it takes to decimate him. His overconfidence, uncouth orations and vicious attacks on President Buhari has made him one of the political enemies that would be hounded before 2019. Fayose would languish in anguish after leaving office. The Buhari government would ridicule and persecute him. He would also be arraigned for allegedly using the state’s fund and the military to manipulate the 2014 Ekiti governorship election.
Fayemi hopes to repeat the history made by Fayose – deposed but later returned to office. His victory largely rests on his ability to resolve the shortcomings that made him lose power in 2014. Fayemi’s relationship with the civil servants, artisans, transport union members and teachers is not too cordial. He incurred the teachers’ wrath when his government threatened to sack those presumed incompetent and unqualified.
The fear that Fayemi would most likely abort Fayose’s stomach infrastructure handouts might make him lose again. During his first term, Fayemi was visionary and futuristic, initiating development projects, but Ekiti people want something else. They want food on their table; they want someone that understands the plights of the grassroots; someone who can rock the streets with them; someone who can give them the little things they can at least survive on now. Fayose incidentally gave them their desires and they elect him governor.
Another minus for Fayemi is the popular perception that would be running an elitist government and the state’s resources would be controlled by the Southwest political lords. The perception that Fayemi is Buhari’s boy could also work against him. The fear that the state’s anti-open grazing law could be abolished and Ekiti land awarded as a cattle colony to herdsmen might make the electorates vote against Fayemi. APC’s performance at the centre is also not convincing enough that the party has what it takes to transform Ekiti.
The arbitrary use of federal might could work against Fayemi. If the rumour that INEC’s ICT department has preload card readers and falsified results to declare Fayemi winner is not well managed, the people can revolt against him by voting en-mass for the PDP. The security agencies would also have a tough time managing crises if the mass reshuffling of police officers is to compromise the election for Fayemi.
Fayemi’s ability to reconcile with the 32 aspirants he defeated at the party’s primary largely determines his winning. The 32’s financial, human and material resources would significantly boost Fayemi’s chance of returning elected. Unfortunately, many of the 32 are still aggrieved and do not genuinely like Fayemi; they see him as a proud and cunning being that always try to outsmart everyone. The fear of being persecuted by the federal government is what still keeps most of them in the APC. Fayemi may lose if the aggrieved members of his party are not calmed and pacified to throw their weight behind him.
Fayose’s arrogance and imperiousness would affect Olusola. The Ekiti state PDP is monopolized by Fayose, who would not allow justice and fair play in the daily running of the party. The imposition of Olusola as governorship candidate has frustrated notables like Prince Dayo Adeyeye, Senator Fatimah Raji-Rasaki and other bigwigs out of the party. This would definitely dwindle Olusola’s support base and chance of winning the election.
Nonetheless, the voting arithmetic in Ekiti favours Olusola. Fayose strategically picked Olusola from the southern senatorial district that has never produced a governor. Olusola’s running mate, Mr Kazeem Ogunsakin, 39, is the former chairman of Ado-Ekiti local government and son of the state’s former Chief Imam. Olusola and Ogunsakin’s hometown, Ikere and Ado-Ekiti, have the largest number of registered voters in Ekiti State. PDP would sing victory songs if they win these areas by landslide. This would however not be easy as Fayemi’s running mate, 75-year-old Chief Bisi Egbeyemi is an influential Ado-Ekiti indigene.
Olusola would reap the gains of Fayose’s cordial relationship with the grassroots. Fayose initiated an uncommon style of governance in Nigeria. He will abandon his fleet of exotic cars and opt for a ride on okada. He regularly hangs out at spots other governors would not even near. He made the poor his friend and the street his second home. He makes the masses feel his government is theirs. Majority of the low and middle class population in Ekiti sees Fayose as their own and would most likely vote his choice candidate, Olusola. The APC has dismissed Fayose’s acceptance in the grassroots. The party argues that Fayose’s exploitation of the poor’s vulnerability for political gain and media hype would not earn Olusola votes.
The Ekiti election is going to be a very tight contest. The APC is determined to end PDP’s reign and Fayose has vowed that PDP would continue ruling Ekiti under Olusola. Let’s assess the candidates’ chance based on the factors that determines the winner of a governorship election in Nigeria.
Campaign outreach: both candidates campaigned massively across the length and breadth of Ekiti. Money: both candidates have strong financial strength. Power: Fayemi has federal might, Olusola has the state governor’s backing. Education: both candidates are well read; Fayemi holds a Doctorate, while Olusola is a Professor. Religion: both candidates have balanced the Christian-Muslim equation; Manifesto: Both candidates have no clear-cut programs, their campaigns were avenues to defame one another. Civil service votes: Fayemi owed workers salary before leaving office and Fayose owes months. A significant portion of the over 50,000 workers would most likely vote for Fayemi, but teachers would in all probability vote for Olusola.
Ethnic loyalty votes: Olusola and his running mate’s constituency have the second highest and the highest number of registered voters respectively. The security agencies: they would presumably favor the federal government’s candidate – Fayemi. But then, the APC stalwarts should be mindful that political arrests and intimidations at this moment would only generate voter’s compassion for the PDP. The alleged police harassment of Fayose is a booster for the PDP as it would earn his godson, Olusola, some sympathy-votes.
Grassroots support: Fayose’s overwhelming popularity among the poor majority would earn Olusola a substantial amount of votes. The largely populated poor who are beneficiaries of Fayose’s food distribution (stomach infrastructure) would most likely vote Olusola in order to continue getting the largess. The elites: majority of them would vote for Fayemi, but a major issue to be considered is that they are not as many as the poor. Some elites are apolitical and don’t vote.
The informal sector and the less educated population – artisans, traders and transport workers: this array of persons – that vote and stand by their votes – would most likely vote for Olusola because they see his godfather, Fayose, as pro-masses. The transport workers refusal to convey people to Fayemi’s campaign rally on 10 July, 2018 is a pointer that they are supporting PDP’s Olusola. General perception: Ekiti people know Olusola is Fayose’s stooge but might prefer to vote him than Fayemi – a Buhari loyalist that’ll most likely convert their ancestral lands into cattle colony for herdsmen. Political vengeance: rather than lose, the ‘powers-that-be’ may install Fayemi to avenge the 2014 Ekitigate scandal.
All winning indices considered, PDP’s Olusola would predictably get the highest number of votes, but APC’s Fayemi could be declared winner. Protests would emerge after the election and the election tribunal would be flooded with petitions.
Omoshola Deji is a political and public affairs analyst. He wrote in via [email protected]
Feature/OPED
AI and Cybercrime in Nigeria: Can Weak Laws Support Strong Technology?
By Nafisat Damisa
Introduction
The proliferation of generative AI has transformed Nigeria’s cybercrime landscape, enabling deepfake fraud, automated social engineering, and AI-enhanced phishing at scale. In early 2024, scammers using AI-generated deepfake videos impersonating a company’s CFO defrauded a Hong Kong finance worker of $25.6 million. As similar threats emerge in Nigeria’s fintech sector, this article examines whether the Cybercrimes (Prohibition, Prevention, etc.) Act 2015 (as amended 2024) is legally adequate, or whether Nigeria’s evidentiary and accountability frameworks are too weak to support effective prosecution of AI-driven cybercrime
Current Legal Landscape
Nigeria’s primary legal framework on preventing cybercrime is the Cybercrimes (Prohibition, Prevention, etc.) Act 2015, amended in 2024 to address cryptocurrency transactions, cyberbullying and various forms of digital misconduct. Complementary frameworks include the National Information Technology Development Agency Act 2007, the Nigerian Data Protection Act 2023, and sectoral regulations such as the CBN’s Risk-Based Cybersecurity Framework. However, the majority of these frameworks were issued far before now, and emerging risks like AI-driven threats are not really being addressed. The Act nowhere mentions “artificial intelligence,” “algorithm,” or “autonomous system.” Notably, the National Artificial Intelligence Commission (Establishment) Bill, 2025, is currently pending before the Senate. If passed, it would establish a dedicated commission to coordinate AI strategy, research, and ethical deployment. However, the Bill in its present form focuses primarily on development and innovation promotion, with limited provisions on criminal liability, evidence handling, or enforcement against AI-facilitated cybercrime, leaving the core accountability and evidentiary gaps largely unaddressed.
AI as a Double-Edged Sword
AI paradoxically enables both defence and attack. Nigerian financial institutions deploy AI for real-time fraud detection and pattern recognition. Conversely, cybercriminals exploit generative AI for deepfake creation, automated credential stuffing, and convincing phishing tailored to Nigerian English and Pidgin. The same technology that powers fraud detection systems can be weaponised to evade them. Take justice delivery as an example, the Evidence Act 2011 (as amended 2023) admits computer-generated evidence under Section 84, but remains silent on AI’s capacity to seamlessly generate or alter electronic records, creating “doctored AI-generated evidence”. These and many more issues await Nigeria’s digital space in the coming years.
The Legal Gaps
There are multiple critical gaps that undermine AI governance. For this article, three are considered. First, no framework attributes criminal liability when an autonomous AI commits an offence. The question of whether the developer, user, or owner should bear criminal responsibility for the acts of an autonomous system remains entirely unanswered under Nigerian law, leaving prosecutors without a clear legal theory of culpability.
Second, Section 84 of the Evidence Act 2011 governs computer-generated evidence but does not address AI-generated outputs. The Act’s definition of “computer” excludes AI’s cognitive processing capabilities, creating a statutory blind spot where evidence produced by generative or autonomous systems falls outside the existing admissibility framework.
Third, Nigeria lacks any framework for mandatory AI-generated content labelling, impeding deepfake traceability. Computer-generated evidence under Section 84 of the Evidence Act 2011 remains admissible if unchallenged at trial, a dangerous precedent for AI evidence, as opposing parties may lack the technical capacity to mount any challenge at all.
Comparative Jurisdictions: Rich Laws, Tangible Results
Jurisdictions with advanced AI laws demonstrate clear outcomes. The EU AI Act (Regulation 2024/1689) mandates transparency obligations, requiring synthetic content labelling and informing individuals when interacting with AI systems; non-compliance triggers significant penalties. The US Algorithmic Accountability Act of 2023 is a proposed Act that will require impact assessments for high-risk AI systems in housing, credit, and employment, with FTC enforcement and a public repository. China implemented mandatory measures for the Identification of AI-generated (Synthetic) content. These rules, mandated by the Cyberspace Administration of China (CAC) and others, require explicit (visible labels) and implicit (watermarks/metadata) identification for all AI-generated text, images, audio, video, and virtual scenes to ensure transparency, traceability, and combat disinformation. These laws contribute to measurable results: forensic traceability, expedited prosecution of deepfake fraud, and clear liability chains. Nigeria has none of these.
Hope or Illusion?
Without legislative intervention, AI’s promise against cybercrime remains an illusion. Nigeria requires the following to boost its hope:
- Amendment of the Cybercrimes Act to include AI-specific offences and mandatory content provenance standards;
- Revision of Section 84 of the Evidence Act 2011 to address AI-generated evidence credibility, not merely admissibility;
- Investment in digital forensic capabilities is currently hampered by inadequate enforcement, weak forensic capabilities, and a lack of specialised personnel; and
- A risk-based framework drawing from EU and US models.
- Review of both secondary and tertiary education curricula to address the knowledge gap in AI and prepare the next generation for the AI-driven future.
Conclusion
AI can help curb cybercrime in Nigeria, but only if legal capacity catches up with technical capability. The Cybercrimes Act 2024 amendments were a step forward, but they did not address AI accountability, algorithmic transparency, or evidentiary credibility. The pending National Artificial Intelligence Commission Bill, 2025, signals legislative awareness, but without substantive provisions on liability, evidence, and enforcement, it cannot fill the existing gaps. The effectiveness of existing frameworks remains a question. An optimistic but cautious path exists, but until Nigeria enacts AI-specific legislation, whether through amending the Cybercrimes Act, revising the Evidence Act, or strengthening the pending Bill, weak laws will remain unable to support strong technology.
Nafisat Damisa is a Legal Research Associate in Olives and Candles – Legal Practitioners. For further information, enquiries, or clarification, please contact Nafisat via: [email protected] or [email protected]
Feature/OPED
Before Oil Hits $150: A Warning Nigeria Cannot Ignore
By Isah Kamisu Madachi
As of April 30, 2026, the crude price is said to have reached $125 in the global market. The all-time high price per barrel was recorded in 2008, when it surged to $147. It is obvious that the price is heading in that direction or even towards what experts have predicted — crude reaching a new all-time high of $150 in the near future if crude passages remain closed in the Middle East, which would ultimately come with several disproportionate challenges for businesses and households.
In Nigeria, what began as a mild adjustment in the price of gasoline and other refined crude products has not stopped anywhere until it reached N1,400 per litre of petrol at filling stations. When the price was surging, experts in energy, economics, marketing, business and other relevant fields tried to come up with explanations for how Nigeria, despite housing the largest petrochemicals refinery in Africa and being one of the largest oil-exporting countries on the continent, would continue to absorb this shock.
Despite our advantages, Nigeria recorded the world’s second-highest surge in petrol prices following the escalating geopolitical tension in the Middle East. In Africa, Nigeria has the highest spike, with many sources citing it at 39.5% and above. Even non-oil-producing countries in Africa, and countries that do not refine a drop of oil, did not experience this surge. Also, African countries like South Africa at 1%, Morocco at 2.1%, and Tanzania at 2.7% experienced far smaller increases that are nowhere near Nigeria’s.
To put it in context, South Korea, Japan, and China are among the foremost dependents on the Strait of Hormuz, whose closure escalated the crude price, but none of these countries has recorded even a 20% increase in their petrol prices. Nigeria does not import its crude through the Strait of Hormuz. Yet, as an oil-exporting nation, we have suffered some of the sharpest petrol price increases in Africa.
What went wrong in Nigeria to warrant this surge is not the primary focus of this piece. What lies ahead is. As a result of the increase in petrol prices, Nigerians have been disproportionately affected. Life has become unbearably difficult, with sharp increases in transportation costs, rising food prices, and higher costs of goods and services. Even charging points that used to collect N150 for charging a phone or battery now charge N300 or more.
As it stands, the gap between the current crude price and the predicted new all-time high is about $25. This means that if the passages continue to remain closed, we are not far from another historic price peak. It is even said that reopening the passages may not immediately stabilise prices, as crude tankers would still take time to reach their destinations.
What this means for Nigeria is another sharp increase in refined petroleum product prices, which could trigger another wave of stagflation. Already struggling, Nigerians do not deserve this. They are only just adapting to the post-subsidy era, yet are being hit again by another round of global geopolitical tensions. Many are already in deep energy poverty, with businesses struggling due to unstable electricity supply.
Therefore, as crude oil prices hover above $125 per barrel and threaten to reach the predicted $150 if disruptions in the Strait of Hormuz persist, Nigeria must act decisively to shield its citizens. The Dangote Refinery exists. Nigeria refines oil. What the federal government owes Nigerians at this point is a deliberate policy decision to make that the refinery serve domestic needs first, with pricing that does not mirror whatever is happening in the global market. That is not complicated; other oil-producing countries do exactly this.
The NMDPRA has the authority to act on this. The question is whether there is a political will to act before another price wave hits and Nigerians are once again left to absorb what their counterparts elsewhere never have to.
Sub-national governments also have something to do. Commercial motorcyclists and small business owners are the people who feel every petrol price increase the hardest and the fastest. Pushing CNG and LPG adoption among this group beyond the FCT and Lagos, with genuine support, would cushion a significant part of the next shock. Expanding solar access in underserved communities would do the same. A shop owner running on solar is not at the mercy of the next diesel price spike.
These solutions are quite feasible. Nigeria has attempted versions of them before. Where we often seem to get it wrong is in execution, and Nigeria has to treat this with the same urgency and seriousness as given to elections, for the well-being of its citizens. The only thing that has never matched the problem is the seriousness of the response.
Isah Kamisu Madachi is a policy analyst and development practitioner. He writes via [email protected]
Feature/OPED
A Simple Guide to Obtaining Pension Clearance Certificate in Nigeria
By Gbolahan Oluyemi
In 2025, the National Pension Commission (PenCom) directed all Licensed Pension Fund Operators (LPFOs) to demand a Pension Clearance Certificate (PCC) from service providers before engaging their services. This new policy typically affects various types of entities, including small and medium-scale enterprises, most of which are not usually compliance-driven. Following this directive, the PCC has become an essential compliance document for both large, medium and small-scale firms. This article provides a guide on what a PCC is, why it matters, and how it can be obtained.
What is a Pension Clearance Certificate (PCC)?
A Pension Clearance Certificate (PCC) is an official document issued by PenCom confirming that an organisation has complied with the provisions of the Pension Reform Act. It is an annual document that must be renewed every year at no cost. The yearly renewal is intended to ensure that organisations treat compliance as a continuous activity rather than a one-off act.
Why is a PCC Important?
The PCC is important because it demonstrates that an organisation is compliant with the provisions of the Pension Reform Act, especially as it relates to employee pension contributions under Section 4 (1) of the Pension Reform Act and subscription to group life insurance under Section 4 (5) of the Pension Reform Act. It is also required for certain transactions, such as government contracts and engagements with compliance-sensitive partners. In essence, a PCC assures investors, partners, and clients that your business is properly structured and compliant with regulatory requirements.
Who Needs a Pension Clearance Certificate?
Under Nigerian law, companies with three or more employees are required to participate in the Contributory Pension Scheme (CPS). If your organisation employs at least three staff members and provides or intends to provide services to Licensed Pension Fund Operators (LPFOs) or other regulated entities, you are expected to obtain a PCC annually.
How Do I Obtain a PCC?
PenCom issues the PCC electronically and at no cost through its web portal: https://pcc.pencom.gov.ng/. Please note that Applicants who are just beginning compliance and remitting employees’ pensions are required to first obtain an employer code from a Pension Fund Administrator (PFA). This code is necessary to initiate the PCC application on the PenCom portal.
Upon logging into the portal, you will be required to complete your company profile by providing your date of incorporation, contact details, and website (if applicable), as well as uploading your CAC documents.
Next, you will upload an Excel schedule (using the template provided on the website) containing your employee list. After this, you will be required to upload Excel sheets detailing pension contributions. You will also need to upload your organisation’s group life insurance documentation and payment instrument.
Finally, you will review your application and submit it for further processing by PenCom. Before commencing an application, ensure you have the following:
- Certificate of Incorporation (CAC documents)
- Group Life Insurance Policy for employees
- Evidence of Pension Fund Administrator (PFA) registration for employees
- Three years’ proof of monthly pension remittances, including penalties for any defaults (where applicable). For companies less than three years old, provide proof of remittances from the date of incorporation
- A valid Tax Identification Number (TIN)
- An employee schedule showing staff details and contributions (usually in Excel format) Templates are available on the PenCom portal
Also note that for the portal to accept employee details and remittance records, employees must have completed their data capture with their respective Pension Fund Administrator and updated their records to reflect their current employer.
Conclusion
Obtaining a Pension Clearance Certificate in Nigeria may seem technical at first, but once proper processes are established, it becomes routine. The key is consistency in remittance, maintenance of accurate records and prioritisation of compliance in overall operations.
For many Nigerian businesses, the PCC is more than a regulatory requirement; it is a mark of credibility. In a competitive environment, that credibility can make all the difference.
Gbolahan Oluyemi is a Legal Practitioner and currently leads Olives and Candles – Legal Practitioners. For further information, enquiries, or clarification, please contact Gbolahan via: [email protected] or [email protected]
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