Feature/OPED
HURIWA’S Call for Sack of INEC Chairman over Ekiti Guber: The Voice of Jacob, the Hand of Esau
By Dr Chima Amadi
The statement by self-styled ‘Human Rights Writers Association of Nigeria’ (HURIWA) published on Tuesday July 17, 2018 calling for the sack of the Chairman of the Independent National Electoral Commission (INEC), Professor Mahmood over the July 14, 2018 governorship election in Ekiti State is curious. But this is not surprising to discerning watchers of the Ekiti election, especially as it struck a familiar cord and coming from a group with a dubious track record. HURIWA has been linked in the past with hatchet jobs and mercenary undertakings.
HURIWA is reported to have predicated its call on what it termed ‘overwhelming evidence of monetary inducements and the failure of officials to stop same.’
It is not clear if HURIWA had a team on the ground to independently observe the Ekiti election. For a group to make such a categorical statement about the Ekiti election means that it was on the ground and observed the actual conduct of the polls. It will be interesting if HURIWA can show evidence of accreditation by INEC. Otherwise, its assessment fall far short of the standard they expect from the INEC. But it is on record that all accredited credible independent election observer groups- local and international- were unanimous in their verdict that INEC performed satisfactorily in its preparations, conduct and overall management of the Ekiti election.
It was widely acknowledged that there was visible, tremendous improvement in INEC’s performance this time in comparison with its performance in previous recent elections, especially in Edo and Anambra.
The only strange exception to this consensus was the dubious report by a certain unknown group which raised false alarm and went the extra mile of ‘rejecting’ the outcome of the election on behalf of the PDP and urged the party to challenge the election at the tribunal. While it is within the prerogative of PDP to reject and challenge the outcome of the election in court, it is strange for a self-acclaimed civil society group to say it rejected the outcome of an election on behalf of a political party. So much for an independent election observer group! It is not a coincidence that HURIWA’s position is in tandem with the posture of this clearly mercenary group of strange and lucre-driven elements.
Unless HURIWA can confirm that it was accredited to observe the Ekiti election by INEC, its views can at best be regarded as hearsay because it was not there, or perhaps, a deliberate misinformation to justify its illegal presence in Ekiti on behalf of vested interests. Whichever it is, the onus is on HURIWA to show proof that its assertions are derived from observations and data genuinely gathered from the field.
In HURIWA’s reported statement, jointly signed by its National Coordinator, ‘Comrade’ Emmanuel Onwubiko and the National Media Affairs Director, Miss Zainab Yusuf, the organization insisted that the alleged failure of INEC in the conduct of the Ekiti election was an indication that the electoral body lacks the capacity to conduct 2019 polls. Yet, every other observer of the electoral process in Nigeria is seeing incremental improvement in the management of elections.
HURIWA further warned that if the current alleged ‘incompetent and compromised hierarchy’ of INEC under Professor Yakubu Mohmood and the ‘heavily compromised security chiefs are left intact to oversee the 2019 general election then the national security of the nation maybe imperilled even as vote-buying may spark off widespread riots.’
It will be interesting to understand the basis for HURIWA’s conclusion and its prediction of ‘widespread riots’. But it is notable that this claim is similar to what we have repeatedly heard from some desperate and disgruntled politicians before, during and after the Ekiti election.
Clearly, there was a major problem with the Ekiti election and every rational organisation- local and international- that monitored the election identified the problem and correctly placed the blame on the appropriate quarters, not INEC.
It is rather strange that an organisation that lays claim to objectivity could lampoon INEC Chairman over the desperate actions of politicians when every other group involved in the monitoring of the electoral process has commended INEC- especially its Chairman, for his demonstrable commitment to free, fair, credible and peaceful election. Well-meaning groups have made recommendations to INEC on how it can and should further address the emergent sore point in the electoral process- vote buying.
It has been acknowledged that as a result of INEC’s innovative measures, ballot box snatching has almost become a thing of the past. And having seen the futility of ballot box snatching, politicians have perfected and resorted to the next stratagem of voter inducement through vote buying. This, by no rational means, can be blamed on INEC. And well-meaning and rational Nigerians who understand this new phenomenon have begun to engage with INEC and patriotically seeking ways to assist INEC to take the next step to address the new trend which undermines electoral integrity. Virtually all the election observers identified election buying as the new sore point in our electoral process intensified by politicians after INEC successfully made ballot box snatching counterproductive to politicians who continue to embark on it. Every other observer has also identified the fact that desperation by politicians to win at all cost is a major concern, just as is the seeming helplessness of security agents to rein in politicians engaging in vote buying.
How can the misconduct of political parties justify the call for the sack of INEC Chairman, a man who has demonstrated genuine commitment to restoring electoral integrity and has demonstrated a determination to remain impartial in the management of elections in the country?
Since it is clear that both APC and the PDP were involved in vote buying, on what grounds then would HURIWA blame INEC or ask PDP- which is has become its mouthpiece- to reject the outcome of the election?
The motive for HURIWA’s position is suspicious. It sounds mischievous and self-serving. The closest that INEC could have done would have been to cancel the entire election, since, as even HURIWA admitted in its statement, ‘…the legitimacy of the Ekiti governorship election is vitiated by widespread irregularities characterized by open vote buying by political parties with the highest bidder getting the highest number of choreographed votes’.
Again, how can anyone reasonably blame INEC for this?
Dr Chima Amadi is the Executive Director of Centre for Transparency Advocacy, a duly accredited INEC Observer to the Ekiti election.
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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