By Jerome-Mario Chijioke Utomi
The latest media report that the Nigerian Senate passed a bill that would empower an association of real estate companies to not only regulate its members but also regulate its competitors and others in the industry naturally reminds Nigerians with critical minds of an existing research report carried out by Sydney Finkelstein, a Steven Roth Professor of Management at the Tuck School of Business, Dartmouth College, United States of America.
The research in question was carried out to unravel why leaders make bad decisions. It among other things noted, that the presence of inappropriate self-interest, distorting attachments and the presence of misleading memories functions as actors/factors/red flags that fuels deformed decisions.
Flawed decisions start with errors of judgment from individuals, Sydney Finkelstein concluded.
Sponsored by a Senator from Sokoto State, Aliyu Wamakko, the Real Estate Regulations and Development Bill essentially turn the Real Estate Development Association of Nigeria (REDAN) into a quasi-regulator.
REDAN’s powers, as granted by the bill if it becomes law, is so much that the Nigerian president cannot appoint the head for the new regulatory body without REDAN’s ‘recommendation.’ The news report noted, perhaps coincidentally, that REDAN is currently headed by Senator Wamakko’s brother, Aliyu Wamakko.
Indeed, while many had since expressed surprise at, and others likened, or compared the development with a situation whereby a group of old generation banks forming an association and then asking the government to empower the association to regulate all other Nigerian banks,”, this piece must, however, underline that the development did not come to it as a surprise as this is not the first time such a deformed decision is coming from the 9th NASS.
In fact, NASS has not only become reputed for but enjoys a very long list of similar actions in the past.
Take as illustrations, everyone in the National Assembly is, or, ought to be, traditionally interested in the day-to-day existence of every Nigerian and honestly work hard to improve their life chances via a rendition of selfless service.
But contrary to this expectation, a peep at the 9th Assembly will reveal that although the present 9th Assembly, going by the profile of members, is arguably filled with the best trained and most highly skilled in the history of NASS in Nigeria. But asymmetrical personal interest has not allowed them to do the job of lawmaking that will enhance the living standards of Nigerians.
More specifically, this systematized personal interest in the 9th Assembly was first exposed by the controversy that characterized the lawmakers’ first official assignment—the screening of the ministerial nominees that was silent on portfolios forwarded to the house by President Muhammadu Buhari.
Aside from the non-attachment of portfolios rendering the senators clueless in generating relevant strategic questions for the nominees, what really caused concern among Nigerians with critical interest was the senator’s adoption of the doctrine of ‘take a bow and go’ for the majority of the nominees that were once senators.
Without minding whether they (ex-senators) are familiar with the magnitude and urgency of our problem as a nation or laced with the requisite knowledge that the ministerial positions demand to help the nation come out of its present predicament Before the apprehension raised by the Lawan led senate not allowing Nigerians know what the ex-Senators on the list have done in the past, currently doing, or will do when they become ministers, could settle, that of the planned purchase of the controversial SUV’s cars was up.
While Nigerians were still waiting for the commencement of governance, the leadership of the National Assembly before embarking on its eight-week recess, which ended on September 24, 2019, began moves to procure operational vehicles for the lawmakers that make up its dual legislative chambers. Essentially, while there was no question that high-offices such as the National Assembly needed operational vehicles to facilitate their responsibilities, the stunning aspect of this episode going by reports is with the estimated current price of the chosen vehicle now N50 million. And the Senate needed about N5.550 billion to get enough quantity for its members. What is in one considerably different is the question; how can a nation spend over N5 billion on such a project in a country with slow economic but high population growth? Where excruciating poverty and starvation daily drives more people into the ranks of beggars? And where so many children are presently out of school?
As if Nigerians were never tired of receiving frightening packages from the 9th Assembly, at about the same time the world leaders were standing up with sets of values that encourage listening and responding constructively to views expressed by citizens, giving others the benefits of the doubt, providing support and recognizing the interests and achievements of its citizens, the Senate came out with two Bills that critical minds and of course the global community qualified as obnoxious-the Internet Falsehood and Manipulations Bill, and the hate speech bill. At the most basic level, the Internet Falsehood and Manipulations Bill, 2019, sponsored by Senator Mohammed Sani Musa (APC Niger East), among other provisions, seeks to curtail the spread of fake information. And seeks a three-year jail term for anyone involved in what it calls the abuse of social media or an option of a fine of N150,000 or both. It also proposed a fine of N10 million for media houses involved in peddling falsehood or misleading the public.
The hate speech bill, on its part, proposed that any person found guilty of any form of hate speech that results in the death of another person shall die by hanging upon conviction. This is in addition to its call for the establishment of an ‘Independent National Commission for Hate Speeches’, which shall enforce hate speech laws across the country.
The above defect is by no means unique to the Senate. In fact, if what is happening in the Senate is considered by Nigerians as a challenge, that of the House of Representatives is a crisis. Take, as an illustration, a glance at the history of attempts seeking regulation of non-profitable organizations (NPOs) in Nigeria will reveal that no bill has ever received the level of knocks like the 9th Assembly planned but now suspended re-introduction of the NGO Bill formerly sponsored by late Umar Buba Jibril of the out-gone 8th Assembly.
The reasons for such knocks were built on the fact that if passed, it contains far-reaching, restrictive provisions than its counterparts. But one point they (House) failed to remember is that NPOs are not just another platform for disseminating the truth or falsehood, information, foodstuff and other relief materials that can be controlled at will.
Rather, it is a platform for pursuing the truth, and the decentralized creation and distribution of ideas; in the same way, that government is a decentralized body for the promotion and protection of the people’s life chances. It is a platform, in other words, for development that the government must partner with instead of vilification.
Looking at commentaries, what also made the Bill a very controversial one lies in its quest for a regulatory commission established which shall facilitate and coordinate the work of all national and international civil society organisations and will assist in checking any likelihood of any civil society organisation being illegally sponsored against the interest of Nigeria.
Weeks after the suspension of the Bill due to public outcry, the House in a related move declined the opportunity to promote local content- an expression that is daily preached within the government circle without compliance.
As the House refused to patronize the locally assembled vehicles by Innoson Group, said to have been recommended for them; and in its place, opt for the 2020 edition of Toyota Camry which will not only double the price of the initially recommended but, will cost a whooping N5 Billion to purchase 400 of the Toyota Camry model needed by the house.
Essentially, aside from the rejection of Innoson brand of SUVs initially recommended for members, and in its place, went for 2020 edition of Toyota Camry, that will gulp about N5 billion of taxpayers money, what, however, made the development newsy is that the house going by the report has before now been at the forefront promoting the local content laws in the country. Of course, one strategic implication of the above is that it explains why what is today said at the floor of the national assembly hardly matters that much more to the people.
In the same vein, the House a few weeks after, through Odebumi Olusegun, of Ogo-Oluwa/Surulere federal constituency (APC, Oyo), pushed for the passage of a bill tagged; “Bill for an Act to Alter Section 308 of the Constitution of the Federal Republic of Nigeria, 1999 (as amended), which provides that: “no civil or criminal proceedings shall be instituted or continued against the President, Vice President, Governors and Deputy Governors during their period of office.” And have the same provision extended to accommodate/cover Presiding Officers of Legislative officers during their period of office.”
The list is endless.
Utomi Jerome-Mario is the Programme Coordinator (Media and Public Policy), Social and Economic Justice Advocacy (SEJA), a Lagos-based non-governmental organization (NGO). He can be reached via Jeromeutomi@yahoo.com/08032725374
Okowa’s Financial Aid to Mission Schools
By Jerome-Mario Chijioke Utomi
The recent decision by the Governor of Delta State, Ifeanyi Okowa, to provide financial aid to 40 schools it returned to religious missions in 2011 again underscores the time-honoured belief that leaders must learn the art of management, an art of engineering and skill to absorb and mater success in their mission. As there is no hard and fast rule but involves a lot of practical wisdom and prudence in one’s functioning style and performance.
Speaking at the thanksgiving service to mark the end of the 16th Synod of Asaba Diocese, Church of Nigeria (Anglican Communion), held at the Cathedral Church of St. Peter, Asaba, Okowa, who read the first lesson, congratulated the new Bishop of the diocese, the Rt. Rev. Kingsley Obuh, on his consecration and enthronement.
Acknowledging that the running of mission schools is difficult given the current economic condition of the nation, the governor commended the church for drawing his attention to the plight of the schools, especially his promise to ensure that grants were given to missions to assist them in giving a firm standing to the schools that had been returned to them. This, he explained, became necessary to assist the schools in running effectively, particularly in view of the prevailing harsh economic situation in the country.
Indeed, from the above comment by the Governor, it is evident that he is not taking success in leadership for granted or attributing the same to a function of luck and destiny but achievable through effective planning, genuine efforts and technique followed sincerely and scrupulously in their mission.
By his latest action, it is now evident that the Governor considers education as the bedrock of development. More than anything else, his promise to ensure that grants were given to missions to assist them in giving a firm standing to the schools demonstrates a leader with an understanding that with sound educational institutions, a country is as good as made -as the institutions will turn out all rounded manpower to continue with the development of the society driven by well thought out ideas, policies, programmes.
Secondly, it is a sign that he recognizes the challenges of perennial underfunding bedevilling the education sector not just in missionary schools in Delta State but across all the privately and government-owned schools across all the states of the federation.
This challenge has as a consequence brought upon the nation an astronomical increase in the rate of out of school children, especially in the northern part of Nigeria, to swell in number, even when it is obvious that the streets are known for breeding all forms of criminals and other social misfits who constitute the real threat in the forms of armed robbers; thugs, drunkards, prostitutes and all other social ills that give a bad name to the society. This underfunding challenge has also visited the sector with a state of affairs where a number of Nigerians are in school but are learning nothing; as schooling, according to UNICEF, does not always lead to learning.
“In Nigeria, there are more non-learners in school than out of school,” UNICEF concluded.
More specifically, aside from being in the best interest of the state government that those schools returned to the missions are supported to stand because they provide a space for study for some of our children across the state, Okowa’s current gesture reinforces the belief that we all have reasons not only to feel worried but collectively work hard to deliver the nation’s education sector in ways that will bring to an end the reign of thoughtless demand for fees of varying amounts/ proposed by the school authorities-a development that is financially squeezing the life out of the innocent students and their parents.
There exist more concrete reasons as to why Governor Okowa’s present move needs to be applauded.
At the most fundamental levels, it refreshes the minds of Nigerians of the passionate plea by the United Nations for government-private sector collaboration for sustainable development.
For instance, there was a veiled agreement among stakeholders at a recent gathering in Lagos that the government at all levels in Nigeria is shirking the traditional but universal responsibility of provision of educational, economic and infrastructural succour to the citizenry which the instrumentality of participatory democracy and election of leaders confers on them.
Essentially, participants at that event were unanimous that the 2030 sustainable agenda has partnership and collaboration at its centre. It was clearly stated that the scale and ambition of this agenda call for smart partnerships, collaborations, ecosystem thinking, co-creation and alignment of various intervention efforts by the public and private sectors and civil society.
The conference, which had as a theme Partnership for Sustainable Development and Innovation, was among other goals aimed at finding an ‘urgent need for creative and innovative thinking by all strata of the society-public and private sector and civil society-to promoting sustained and inclusive economic growth, social development and environmental protection’.
To further buttress the imperativeness of this needed commitment from all the parties in tackling the agenda, the conference stressed that the partnership is at the very centre of the sustainable development agenda as it is both a means to an end since it is a crucial enabler for the attainment of the other goals and an end to in itself since Goal 17 is a means of implementation and revitalised global partnership’.
Very instructive also, finding a solution to the societal problems, particularly providing access to adequate and quality education for the youths of this nation will in some ways help solve the youth unemployment challenge and develop a climate of sustainable future and innovation among our youths.
Talking about youth unemployment in Nigeria, a report recently put it this way: “We are in a dire state of strait because unemployment has diverse implications. Security wise, the large unemployed youth population is a threat to the security of the few that are employed. Any transformation agenda that does not have job creation at the centre of its programme will take us nowhere”
Youths’ challenge cuts across, regions, religions, and tribes, and has led to the proliferation of ethnic militia as well as youth restiveness across the country. This may, in turn, hamper the peace needed if handled with levity. But this threat has become more pronounced in the oil-rich region of the country with the chunk of the proponents spearheaded by the large army of professionally trained ex-militants currently without a job. Proper management of these teaming youth is the panacea for determining the success or otherwise of the 2030 sustainable agenda, it is only by engaging these teeming youths through employment creation that the incessant youth restiveness can be abated.
One fact we must acknowledge is that the 2030 Sustainable Development Goal was formulated to among other aims promote and carter for people, peace, the planet, and poverty but nurturing to bear the premeditated result will depend on not just the private sector but our government.
To, therefore, move this nation forward, we need to like Governor Okowa, recognize that a sound educational sector and sustained infrastructural development remain the spine. We must learn that nations such as the Jews progressed because they possessed a tradition of education combined with social and political action. They enthroned education and sacrificed to get it.
We must as a nation make quality but subsidized education a human right that will be accessible to all Nigerians irrespective of tribe/ethnicity, sex, religion or creed. And develop the political will to fund education in compliance with the United Nations Educational Scientific and Cultural Organization’s (UNESCO) budgetary recommendation.
Jerome-Mario Chijioke Utomi is the Programme Coordinator (Media and Public Policy), Social and Economic Justice Advocacy (SEJA), Lagos. He can be reached via firstname.lastname@example.org/08032725374
Tips for Building a Low-code Strategy
By Hyther Nizam
Over the last few years, businesses have been racing to digitise their processes and offerings. Whether you’re working from home, banking online, or doing a quick grocery order, you’ve likely noticed a significant rate of transformation. Given that every aspect of a consumer’s daily life is connected to the digital world, the challenge of digital transformation may be daunting. Traditional ways of developing consumer and internal applications are time-consuming and usually require a large number of development resources.
Fortunately, low-code/no-code (LCNC) development platforms empower businesses to quickly create cross-platform applications without writing thousands of lines of code. Low-code/no-code not only simplifies development but also saves time and money. Low-code is not a new concept, but demand for it has increased as a result of the pandemic and the necessity for businesses to speed up their digital transformation initiatives.
The advantages of low-code/no-code
LCNC platforms provide a visual environment for building applications. As they provide snippets of pre-built code in a simple drag-and-drop user interface, people with little to no programming experience can also build custom web/mobile applications. However, it’s crucial to take the time to identify the most effective LCNC platform for your business before diving headfirst into app building.
The LCNC platforms help teams develop applications faster and with fewer errors than traditional coding. Because the platforms provide standard components such as forms, report templates, and ready-to-use code snippets, months of development time can be saved. By eliminating some of the more complex aspects of the application development process (such as creating frameworks and linking databases), these platforms empower people across the organisation to get involved in application development and bring their business ideas to fruition, without having to depend on IT assistance.
Zoho Creator, Zoho’s low-code platform, aims to facilitate efficient app development and effective collaboration. It uses pre-built integrations to connect with hundreds of systems and cloud services to make app development quicker and easier. Organisations can seamlessly integrate Creator with other Zoho applications and third-party platforms like QuickBooks, Zapier, and PayPal. To facilitate effective collaboration, Creator gives organisations the power to assign roles to users and grant them access to information relevant to their jobs. Role-based access controls help ensure the application development process is both streamlined and secure.
Now that digital transformation is an ongoing imperative for most businesses, agility and collaboration are critical. Our research shows that 40% of organisations are involving their business teams in their digital transformation processes. This indicates a growing understanding that digital transformation affects the whole business—not just IT teams.
Considerations for using LCNC strategies
First, and potentially most important, your business must know what to look for in LCNC platforms. Besides the visual modelling and drag-and-drop interfaces that make these platforms easier to use, your LCNC platform should be secure. It should have the required security framework certifications in place and espouse data confidentiality measures. It’s important to avoid using software that potentially opens the door to hackers.
Your LCNC platform should be equipped for multi-device deployment (meaning that you only have to create an app once for it to be accessible on any device), and scalability so you can add more users to your application as your organisation grows.
Once you’ve identified the right platform, it’s time to start cross-organisational planning for the digital experiences your organisation will provide, and the ways low-code can be leveraged to create those experiences. Remember, one of the major strengths of a good low-code platform is that it allows for collaboration. People across the organisation need to be exposed to the platform to understand what it can do for them.
The time is now
There has never been a better time for your business to embrace an LCNC strategy, as the world is undergoing an unprecedented rate of digital transformation. It is essential, however, to combine the correct platform with a strategy that enables your entire company to realise the benefits of low-code development. This is the most effective way to put your business ahead of the competition.
Hyther Nizam is the President of MEA at Zoho Corp
B2B e-Commerce: Fostering Sales, Distribution with Data Analytics
The informal sector is a major source of economic growth and productivity globally. According to both the World Bank and the International Labour Organisation (ILO) statistics, more than 2 billion people representing 61% of the world’s employed population work in the informal sector.
Of the number, 93% are reportedly in emerging and developing countries. Around 86% of employment in Sub-Saharan Africa is in the informal sector, while 80% of household retail distribution is said to be delivered via informal retailers.
Nigeria is reputed to have a huge informal sector that makes up 50% of the country’s Gross Domestic Product (GDP) and accounts for over 90% of employment. The informal retail market value is estimated at US$100bn out of which the food and consumer goods retail segment is worth over $40bn.
B2B e-commerce firm Alerzo’s CEO, Adewale Opaleye, described the informal sector as a major source of economic growth, productivity and competitiveness.
Despite the importance of the sector, informal retailers face complex challenges that impede their business growth, financial and income stability and service quality. The challenges include limited inventory due to high demands, meaning the market is underserved; and limited access to funding which sometimes leads them to stock low-quality products.
The retail market is also clustered; products are often overpriced because prices are largely unregulated. Distance to market especially those in hard-to-reach locations; opportunity costs; dangers of travel; inadequate logistics such as transport to move purchased goods also impact informal retailers adversely. The unstructured nature of most retail businesses is another setback.
The challenges faced by consumers at the base of the pyramid also represent another key issue in the retail market. Often, lack of access to reliable product information, quality products and services, and low purchasing power deny consumers access to everyday essentials such as food, medicine, hygiene and household products.
The fallout of the challenges in the retail market segment is that manufacturers and distributors are often unable to track data on informal retail sales, regulate quality or access BoP customers for research, marketing or the delivery of social mission goals.
As a strategic pivot for national GDP growth, reforming Nigeria’s informal trade is a key to unlocking socio-economic prosperity for the citizens, and improving the lives of the retailers themselves including their families, and the communities in which they operate.
Hence, initiatives that remove barriers in the Factory-to-Retail distribution chain for consumer goods companies are most welcome. The role of e-Commerce, in particular tech-driven B2B e-Commerce platforms, is pivotal in this regard.
“Our mission is to empower these informal retailers through our ecosystem of digital products, so they are equipped to run profitable and sustainable businesses. We strongly believe that technology has the potential to transform the way informal retailers conduct their businesses, by using it to facilitate – with just a click of a button – fast and easy access to a wide assortment of consumer products at zero delivery cost to the retailers,” Alerzo CEO, Opaleye said.
B2B e-Commerce platforms are beneficial to manufacturers and tier one distributors as enablers of data gathering and market intelligence. By utilising an array of digital technologies to gather market intelligence and analyse data, they arm goods producers with vital information on consumer behaviour to further help them in research and product development. Distributors also use such information to scale up operational efficiency.
The use of customer data significantly fosters sales growth and enhances customer relationships. According to Statista, a 2018 survey in the United States showed that 84% of industry-wide leading firms revealed that data analytics helped to bring greater accuracy to their decision-making. That is, data utilisation and related analytics methods were reported to deliver the most value to firms by reducing expenses and creating new avenues for innovation and disruption.
Data analytics enable manufacturers and distributors to strengthen their business operations. For example, in supply chain management and customer relationship, data analytics can support the personalisation and customisation of sales and customer services to build stronger and more personal relationships with customers.
By deploying data technologies and tools, B2B e-Commerce platforms like Alerzo collect data and market intelligence to identify what customers actually expect from companies and to predict their future demands. In other words, data analytics help to create business knowledge, that is, information and understanding related to business processes and the business environment. It can additionally reveal hidden behavioural patterns.
Furthermore, B2B e-Commerce can provide manufacturers access to real-time data and instant information, creating real-time knowledge of markets, and when properly implemented, can increase sales. McKinsey’s research suggests that a healthy data culture, that is, an organisational culture that accelerates the application of data analytics, is becoming increasingly important for leading and lagging companies. Also, the deployment of data helps to provide accurate and timely information within an organisation.
B2B e-Commerce platforms by utilising their digital solutions can make the collection of data more feasible and cost-effective for manufacturers and distributors. Data analytics as one of the emerging areas in the domain of B2B marketing can even support businesses with access to big data thereby increasing access to quantitative and qualitative information beyond just transaction data such as purchase quantities.
In a nutshell, B2B e-Commerce in so many ways offers solutions that are helping to address the needs in the Factory-to-Retail distribution value chain holistically – at the supply side (manufacturers, top-tier distributors and last-mile retailers), and the consumers (demand) side.
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