Feature/OPED
Unending Debate About State Police in Nigeria
By Jerome-Mario Utomi
As we ‘labour’ under the illusion of nation-building, it is painfully obvious that closely allied to poverty is the high rate of unemployment which has markedly distorted development indicators in the country.
Worse than the above reality is the new awareness that the defective nature of the nation’s 1999 Constitution (as amended) has equally discouraged and crippled development in the country to the extent that it is presently a major contributor to the mirage of problems confronting the nation. Its weak provisions have more than anything else conspired with other socio-economic challenges to make it possible for us as a nation to keep “doing the same thing over and over again and expect a different result”.
Essentially, when one takes a cursory look at insecurity in the country which includes but is not limited to banditry, armed robbery, and kidnapping among others, it is easy to detect that menace did not just start in the country.
Remember the kidnap of Chibok Schools girls on April 14, 2014, under President Goodluck Ebele Jonathan’s administration. Remember also during President Muhammadu Buhari’s administration, the kidnap of the University of Maiduguri lecturers in July 2017, the kidnap of six aid workers on July 18, 2019, and the Kankara schoolboys’ kidnap on December 11, 2020, among others.
However, the painful part of the present discourse is that a peep into the successive federal governments (executive and legislative) reveals that they were arguably gifted with the best trained and most highly skilled in various areas of endeavour. Yet, they were unable to recognize that “extraordinary conditions call for extraordinary remedies” or figure out what their real responsibilities are to go ahead and perform it in ways that enhance the life chances of Nigerians.
This failure is most visible in their inability to understand why banditry is on the increase, and why the existing police system no longer supports the original roadmap for crime control and prevention. Such failure is exacerbated by the utter lack of political will to challenge the basic assumptions in the nation’s constitution to see why the creation of state police has become the only way to fight criminality not just in Nigeria but across the globe.
Aside from the new awareness that globally, leadership/governance can no longer be viewed in a unitary way as such thinking is both old school and outdated, if objective analysis can replace emotional discussion regarding state police, it is glaring that, there are no federal police or state police models, but there are fundamental differences between the two. While cultural and geographical homogeneity which are strong factors and advantages of state policing are lost in federal policing, state police depend on these factors and more such as history and friendship to keep the society orderly and without anarchy. This value no doubt makes a productive policing without disorder. And state governments can fulfil this obligation.
To further arrive at the answer, one will again remember that even former President Muhammadu Buhari acknowledged the imperativeness of community/state police but lacked the political will to implement it.
The facts are there.
In August 2019, while he played host to the traditional rulers from the northern part of the country led by the Sultan of Sokoto, His Eminence, Alhaji Muhammadu Sa’ad Abubakar III, at the Presidential Villa, Abuja, the president, according to reports, stated that “the ongoing reform of the police would include recruitment of more hands, cultivation of stronger local intelligence and networking with communities, traditional rulers and adequate training. This in specific terms will include recruiting more police officers from their local government areas, where they would then be stationed in the best traditions of policing worldwide. Working with the state governments; we intend to improve the equipping of the police force with advanced technology and equipment that can facilitate their work.”
From the virtues and attributes of his speech, he not only underlines the importance of but underscores the virtues and attributes of recruiting more police officers from their local government areas, where they would then be stationed in the best traditions of policing worldwide.
Precisely, this form of security design is what the pro-state police and nations’ restructuring advocates demand. Particularly as it is obvious that the vast majority of states can afford to equip their officers with the sophisticated security gadgets the president listed above.
The next question is; having seen the usefulness of recruiting, and allowing officers to work in their familiar environments, what alternative is open to the nation?
In my view, there is no alternative to having state police that are adequately equipped completely answerable and controlled by the state governors.
Also important is the fact that there were mistakes made by the immediate past administration that President Bola Ahmed Bola Tinubu must avoid.
First is that during his campaign in 2015, the former President promised to “initiate action to amend the Nigerian Constitution with a view to devolving powers, duties, and responsibilities to states to entrench true Federalism and the Federal spirit”. The second and very fundamental is that on Monday 1, January 2018, he said among other things that “no human law or edifice is perfect, whatever structure we develop must periodically be perfected according to the changing circumstances and the country’s socio-economic developments”. In the face of all these propositions, he made no effort to have any of them actualized.
For me, nation restructuring vis-a-vis state police should be viewed as those structures that must periodically be perfected according to the changing circumstances and the country’s socio-economic developments.
Regardless of what others may say, if providing adequate security for the masses is the government’s priority, it should be the collective responsibility of the country’s citizens to contribute to the success of the process. What the masses are saying and wanting in my understanding is that the padding of the second schedule of the exclusive legislative list, of our 1999 constitution with about 68 items has made Abuja suffer ‘political obesity’ and need to shed some weight via power devolution.
As noted in my previous intervention, the over-bloated exclusive list has made our nation currently stand in an inverted pyramid shape with more power concentrated at the top and the base not formidable enough making collapse inevitable if urgent and fundamental steps are not taken. What the proponents of state police/restructuring are saying is that the majority of the items are too trivial for the federal government to handle and should serve the greater good of the people if left in the hands of both the state and the local government.
This is the hub of the masses’ expectations. Items such as police and some government security services, mines and minerals; including oil fields, oil mining geological surveys, control of parks, stamp duties, public holidays, taxation of incomes, profits and capital gains, and insurance among others to my mind should find their ways back to the states and the local councils.
Above all, while we keep in mind these lessons learned from our nation’s politicisation of law enforcement, and think about the broader threat of insecurity in the country which has become a reality to worry about, I must quickly conclude that as a nation, we will be sadly mistaken if we feel that the nation will defeat criminal activities without state police or continue with the habit of tackling the challenge which has morphed to the ‘next level’ with the same thinking used when they were created.
Utomi is the Programme Coordinator of Media and Policy for Social and Economic Justice Advocacy (SEJA), Lagos. He can be reached via [email protected]/08032725374
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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