Feature/OPED
How Rich Mega Churches in Nigeria Pay Pastors Poor Salaries
By Dipo Olowookere
An investigation carried out by SUNDAY PUNCH has shown that many of Nigeria’s mega rich churches pay their pastors poor wages, reports SUNDAY ABORISADE
An extensive investigation carried out by SUNDAY PUNCH has revealed that many of the country’s prosperity-preaching, super-rich mega churches pay their pastors poor wages. The newspaper’s findings revealed that a substantial majority of the pastors engaged by the churches, who are polytechnic and university graduates, earn between N25,000 and N45,000 a month.
According to our correspondent’s findings, full-time pastors, in addition to preaching and teaching during midweek services and Sunday services are also expected to perform other sundry duties that leave them with little time for other business endeavours.
Some of the churches reviewed were the Redeemed Christian Church of God, the Living Faith World Outreach, popularly known as Winners Chapel, Mountain of Fire and Miracles Ministries, the Deeper Christian Life Ministry (an holiness church that has of late embraced economic empowerment themes), Christ Embassy International and Lord Chosen Charismatic Revival Ministries.
Nigeria is home to several Christian denominations broadly categorised as orthodox and unorthodox churches. But a clearer categorisation of churches is the one adopted by the Christian Association of Nigeria. It divides churches in Nigeria into five broad categories. According to the CAN website, the groups are the Catholic Secretariat of Nigeria; Christian Council of Nigeria, comprising the Anglican, Methodist, Baptist, Foursquare, Presbyterian, Eternal Sacred Order of C&S, Church of the Lord Aladura and other orthodox Churches; the Christian Pentecostal Fellowship of Nigeria and the Pentecostal Fellowship of Nigeria; Organisation of African Instituted Churches; and ECWA – Evangelical Church of West Africa and Northern-Nigerian churches like COCIN, HKAN NKST, Christian Assemblies, LCCN etc.
In recent years, the Pentecostals, especially Pentecostal groups that preach faith, miracles and prosperity, have come to symbolise the face of Nigerian Christianity to the world. In addition to their huge memberships, running into tens of millions, these churches are also widely known because of their jet-set senior pastors and the businesses they run. These churches own primary and secondary schools and universities, micro-finance banks, foods and beverages companies, huge agricultural farms, sports teams, printing firms and so on.
Their senior pastors are known to be extremely wealthy, own private jets, maintain luxury homes in the country and abroad, and send their children to some of the best schools in the world.
However, the parish pastors of some of the biggest churches in the country, who spoke to our correspondent, painted a picture that showed that they live in a different world from their senior pastors.
Our correspondent noted that the clergymen spoke reluctantly for the fear of losing their jobs. Efforts made by our correspondent to ascertain the financial health of the churches were unsuccessful as the churches are known not to make their financial reports public, neither are they made available to their members.
The Redeemed Christian Church of God
The RCCG is one of the country’s biggest Pentecostal churches. It has a group of primary and secondary schools spread all over the country. The schools are Redeemer’s International School, Redeemer’s International Secondary School, Redeemer’s High School and Christ the Redeemer’s College. The church also owns Redeemer’s University, Haggai Mortgage Finance Bank, Lifeway Radio, Dove Media, Redemption Light Printing Press, hospitals, among others.
The most senior pastor of the church, Pastor Enoch Adeboye, a former university lecturer, is known to be humble and simple in taste, but he is also reputed to fly a private jet said to have been given to him by the members of the church.
At the RCCG, newly ordained full-time pastors with National Diplomas are currently being paid N25,000 a month while their counterparts with a university degree receive N35,000 as their monthly salaries. SUNDAY PUNCH gathered that in some RCCG churches with small congregations, parish pastors sometimes use personal funds every Sunday to run their local churches.
Sources in the church, who disclosed this to our correspondents in various states across the country, further explained that a full-time area pastor earns a minimum monthly salary of N40,000 while a full-time provincial pastor is entitled to a minimum monthly salary of N85, 000. According to the church’s structure, an area pastor is in charge of about five or six parishes while a provincial pastor is in charge of about 100 parishes or a state.
A pastor in Lagos, who spoke to our correspondent, said tithes (10 per cent) of their salaries were usually deducted before salaries were paid.
However, the pastor refused to be drawn into a detailed explanation of how he makes ends meet on such a salary. He said, “The job of a pastor is a sacrificial one, no doubt, but what we are paid cannot ordinarily sustain us. The money is definitely not enough to meet our needs even with our access to loans and free accommodation provided by the church.
“Our parish members are most supportive and I encourage my wife to work. Some of our wives own small-scale businesses or crèches.”
The pastors said that members of the parishes are expected to generously support the upkeep of the pastor’s families and provide “comfortable accommodation” for them. They also added that the RCCG paid half of their children’s tuition fees in schools established by the ministry.
Further investigations revealed that the RCCG is cutting the costs of running its various missions by encouraging born-again and well-trained members to lead the parishes, zones and provinces on a part-time basis.
Attempts to get the official position of the church on the welfare of its pastors failed as a member of the church’s media team, Olanike Olaomo, told our correspondent that she was not competent to speak on the issue, when contacted on phone.
She also refused to give out the phone number of the head of the team.
“If you ask for my candid opinion, I will tell you to drop your story because no one will give you the information you are requesting for,” she said.
Mountain of Fire and Miracles Ministries
Mountain of Fire and Miracles Ministries is a prayer-themed ministry led by Dr. Daniel Olukoya. It has hundreds of branches in Nigeria and beyond. The church runs school groups, comprising Mountain Top Nursery and Primary schools, Mountain Top Secondary schools, Mountain Top University, a printing press, among others.
Majority of the ministers operate on full-time basis. A source told SUNDAY PUNCH that the church operates a “central salary scale for pastors working in God’s vineyard at the church’s branch, zonal and regional levels.”
The salary scheme for the clerics ranges from N25,000 to N80,000 depending on the level of their deployment.
A pastor in a branch of the church in Abuja, who could not be named because he was not authorised to give any information on the matter, said that clerics in the church’s branches averagely earned between N20,000 and N25,000 monthly. He, however, added that pastors were also supported by “benevolent church members.”
The pastor said, “The salary is paid by the region under which the branch is with strict directive from the headquarters since the amount payable monthly is structured. But there are also few newly ordained ministers who assist pastors-in-charge at zones and regions during deliverance programmes. These set of ministers get about N15,000 monthly.”
Also, a zonal pastor with the church in Abuja, who did not want to be named, told our correspondent that the salary for his category was between N40,000 and N45,000.
It was gathered that the church, either at the level of branch, zonal or regional was expected to provide accommodation for its pastor.
The support for accommodation, it was learnt, could come from the region under which the branch operates if such a branch was unable to bear the burden alone.
Another pastor, who pleaded anonymity, said they survived through what he described as the ‘the grace of God and the support of children of God.’
He disclosed that having chosen to work for God, they look beyond material comfort and fix their gaze on the reward from above.
“There are other supports from the church in terms of education for our children. Since the church has a school, there is a provision for a certain percentage of the tuition fees to be waived for pastors’ children. I have yet started to enjoy the privilege because my children are still young. When they start going to school, I will also benefit from it,’’ he stated.
For pastors in the regional arms of the church, they get about N80,000 monthly according to a pastor in one of the church’s branches in Benin City, Edo State, who refused to be named.
When contacted, the Chairman, Media Committee, MFM, Pastor Oladele Bank-Olemoh, said though he could not specifically say the amount each of the pastors in the church gets as salary, the general overseer takes their welfare seriously.
Pastor Bank-Olemoh said, “The general overseer takes care of them very well. He caters for their accommodation, school fees of their children and gives them money personally. Those who abide by the vision of the church and support the general overseer know that he does not joke with the welfare of the ministers.
“Every minister in the MFM knows that if you are conscientious and diligent, you will be blessed. The money you take as salary is nothing but the blessing is the most important. You can earn so much and still not be able to do anything with it. That is what we call pocket with holes. The general overseer is passionate about the welfare of the pastors.’’
The Living Faith Church Worldwide
Winners Chapel, one of the foremost and most popular Pentecostal churches in Nigeria has a chain of about 30 secondary schools and 50 primary schools and two universities, Covenant University and Landmark University. Owned by Bishop David Oyedepo, who is famed for owning a private jet, the church also owns one of the country’s biggest and most sophisticated printing firms, Dominion Publishing House, Hebron Bottled Water, bottled water processing plant, a bakery, various restaurants and stores, among others.
Investigations by our correspondents in the South-West revealed that a newly-ordained pastor outside Lagos in Winners Chapel receives N35,000 as monthly salary while new pastors in Lagos earn between N45,000 and N55,000. An area pastor with some years of experience collects N85,000 per month while a resident pastor (state pastor) now collects N200,000 per month.
Some area pastors who spoke with our correspondents, strictly on condition of anonymity, explained that pastors could earn more depending on their years of experience.
One of them said, “Apart from the salaries, pastors are usually well taken care of by members of their local assemblies. Pastors-offering is encouraged and a pastor could get more than his salary as offering from just a member in a day.”
Believers LoveWorld
SUNDAY PUNCH investigations revealed that most pastors of the Believers LoveWorld, a.k.a Christ Embassy, owned by Pastor Chris Oyakhilome, are engaged on part-time basis while the few ones on full-time appointments are paid like other workers in the ministry.
A part-time pastor of the church in the Ikeja area of Lagos State and another one in the Bodija area of Ibadan, in Oyo State confided in our correspondents that most of their full-time pastors are in the headquarters.
They said a newly-ordained pastor earns about N40,000 but that only the headquarters could provide further details.
When contacted, the Believers LoveWorld officials declined to make comments on the welfare of their pastors.
A representative of the church attached to a church in Lekki reprimanded our correspondent for “picking a phone number from the website” and added that it was “wrong.”
Another representative of the church, identified simply as Pastor Mercy of the Prayer and Counselling Centre at the church headquarters, said she was not authorised to speak to the media about issues relating to the church.
She also refused to give out the contact number of the spokesperson of the church because of the sensitive nature of the information requested.
Deeper Christian Life Ministry
Popularly called Deeper Life, the church was founded by Pastor William Kumuyi. Widely known for its strict conservativism, the church, in recent times, has embraced economic-empowerment and Christian prosperity themes, while not letting go of its conservatism. With millions of members and thousands of branches in Nigeria and other parts of the world, it owns Life Press Limited, Deeper Life Nursery and Primary School, Deeper Life High School, Anchor University, among others.
A top member of the church told one of our correspondents that 95 per cent of its members in Lagos are part-time workers who receive no salary.
He said, “Most of the church’s full-time workers are not in Lagos. They have jobs so they don’t have to rely on church district members. The church encourages its pastors to work, so full time pastors are a rarity. The most the part-time pastors get is N5, 000 for recharge cards monthly.”
SUNDAY PUNCH gathered that outside Lagos, the church have three categories of pastors. Part-time pastors do not earn salaries, they are said to be ‘taken care of by their local parishes’.
A long-time member of the church said, “Our pastors who are volunteer full-time pastors are not on the payroll of the church. The local church where they belong to may then decide to give them out of the offering but the tithe goes to the central (unit).”
The last category of pastors, he added, are those who are overseers and senior pastors and their salaries range from N2.5m to N6m per annum.”
The phone number of the Secretary, Deeper Life Bible Church, Pastor Jerry Asemota, who is the only person authorised to speak on official issues, was switched off when our correspondent contacted him on Saturday.
Lord’s Chosen Charismatic Revival Ministries
Investigations by SUNDAY PUNCH revealed that there is no salary structure for pastors of the Lord Chosen Charismatic Revival Ministries, founded by Pastor Lazarus Muoka.
The church runs various primary and secondary schools while it also has a few standard private hospitals.
A leader of the church, who spoke with one of our correspondents, explained that when a new pastor is ordained and ‘given a pulpit’ (put in charge of a branch), he is entitled to one-tenth of whatever income that the church generates every week.
He said, “We don’t have a structured salary system for our pastors. They are paid based on the money they generate from tithes and offerings. However, the headquarters usually give a considerable amount to their wives to set up a small business.
“It is expected that the proceeds from the wife’s business will be used to augment the family’s upkeep. Also, the church ensures that all the pastors’ biological children enjoy free education at all the Lord’s Chosen primary and secondary schools.
“The church also arranges scholarship for the pastors’ children in their various higher institutions.”
The church leader added that the pastor’s family could also benefit from the welfare offering, usually meant for the needy, based on the discretion of the committee handling the fund.
When our correspondent called the land line on the website of the church, it did not connect while top church members kept sealed lips.
CAN, PFN react
Speaking in a telephone interview with one of our correspondents on Saturday, the Director, Media and Public Relations of PFN, Simbo Olorunfemi, said pastors’ welfare is part of the issues that would be discussed at the group’s forthcoming biennial conference, scheduled to hold in Edo State.
“The welfare of pastors and indeed Nigerians generally concerns the PFN. This is part of the issues to be discussed at the forthcoming conference. The PFN will make recommendations and suggestions that would enhance the welfare of pastors to fulfill their duties effectively,” he told SUNDAY PUNCH.
The General Secretary of the Christian Association of Nigeria, Rev. Musa Asake, however told SUNDAY PUNCH that how much mega churches paid their pastors as salaries was not the business of the association.
“The Christian Association of Nigeria does not dabble into how much churches pay their pastors. It is not the mandate of the association to do so. As an association, CAN doesn’t discuss issues like that; we do not discuss doctrines. That is left for individual churches to decide. If there are issues about how much pastors earn as salaries in their churches I think the headquarters of the churches should be able to respond to that. It is not the business of CAN to look into how much churches pay their pastors,” Asake told one of our correspondents.
http://punchng.com/revealed-nigerias-rich-mega-churches-pay-pastors-poor-salaries/
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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