Travel/Tourism
Giant Strides of Heritage Bank in Nigeria’s Tourism Sector
By Dipo Olowookere
The enormous richness and diversity of Nigeria’s culture has always been considered as strong reason why tourism should be a primary foreign exchange earner for the country. From east to west; from north down to south, the country is naturally endowed with rich tourist sites.
Nigeria’s art and cultural heritage are woven from threads of history and diversity, legend and conquest. Nigeria is a vast country with a population of about 170 million people covering about 923,768 sq.km of landmass, located wholly within the tropics.
The country, aptly described as the ‘Giant of Africa’ and the Heart of Africa, is richly endowed with ecological and cultural resources, which are of universal recognition. The richness and diversity of the Nigeria culture is a manifestation of the socio-cultural differences of the over 250 ethnic groups that inhabit the land for ages.
However, the big question is, how much of these opportunities in its art and culture have been fully developed to attract tourists (locally and internationally) as well as earn revenue.
Expected to be one of the growing and high earning sector in the country, the industry was accorded priority status in 1990 when the National Tourism Policy was launched. The main thrust of government policy on tourism was to generate foreign exchange earnings, create employment opportunities, promote rural enterprises and national integration, among other things. Also, it is ideally positioned to contribute to seize the opportunities stemming from urbanization.
Given the plethora of opportunities provided by tourism, it is surprising that the industry has not received adequate attention in the developing countries where most of the natural tourist sites are domiciled, especially in Nigeria. An incredible tour through the history of tourism in Nigeria over the last 50 years of its existence shows that not much has been accomplished and important challenges remain.
As at 2016, direct contribution of Travel & Tourism to GDP was N1,861.4 billion (1.7% of GDP) but this was forecast to rise by 1.1% to NGN1,881.1 billion in 2017.
But the figures presented in the WTTC 2017 report are proof that not so much contribution from the sector has reflected on the economy.
In the last 10 months, no significant direct contribution from Travel & Tourism to the country’s GDP. For instance, its contribution to the whole economy GDP remains at 1.7%, same as it was in 2016. A review of tourism’s impact on the country’s GDP in the last 10 years (2007 – 2017) shows that its impact was at all-time high in 2008, having contributed 2.4% to the GDP. Since 2008, its impact has been fluctuating between 1.8% and 1.5%.
However, more must be done to market Nigeria’s massive and profitable industry. This is because the country is yet to tap its full potentials.
With this development, Heritage Bank, through its strategic partnerships with government and private organisations, has continued to make efforts to transforming Nigeria into a tourism sector destination in Africa and position it as lever of Nigeria’s economic growth and development.
For the bank’s giant stride of support to tourism, Federal Government commended Heritage Bank for its commitment to the development and growth of the creative industry.
Minister of Information and Culture, Alhaji Lai Mohammed, gave the commendation at a two-day Creative Nigeria Summit.
The bank, aimed at boosting Nigeria’s tourism via creative arts industry supported the sponsorship of exhibition at the National Museum Benin, at the Exhibition Gallery of National Museum Benin by the National Commission for Museums and Monuments (NCMM), in collaboration with the Edo State Government, and the Smithsonian Institute, United States of America.
Also, Heritage Bank Plc partnered with the organizers of the International Festival of Contemporary Dance (IFCOD) to host the second edition of One Language, a musical production of intrigue, dance and drama.
Most prominent of its partnership and supports is the annual Calabar Carnival and festival, tagged “Africa’s Biggest Street Party,” was created as part of the vision of making Cross River State the number one tourist destination for Nigerians and other tourists across the world.
Since its debut in 2004 by a former governor of the state, Donald Duke, the theme of the yearly event has continued to change. The theme of the recently concluded 2017 edition was “migration and climate change.”
The theme was chosen against the backdrop that Africa has always known migration and it has been the home of many cultures for many centuries.
From the Trans-Atlantic Slave Trade era, colonization and neo-colonialism, the African continent which used to be home to many foreigners, has now become a land of opportunities.
Presently, the world recognizes it as the new frontier, not to be exploited for the benefits of others but to be cultivated on its own. It is against this backdrop that the board of the carnival commission adopted the theme migration in a bid to bring people together beyond the realm of tribal and religious conflict to show case Africa’s talent and several opportunities.
This theme resonates with the greenhouse effect which is the corporate identity of Heritage Bank, Nigeria’s most innovative banking services provider, a development which encourages it to partner with Segaull Band, one of the five bands that participated in the carnival.
The Acting MD/CEO of Heritage Bank, Jude Monye, says the theme of the carnival this year is migration and climate change and heritage have to do with green, green- house effect and sustainability, protection and human development.
“As far as this is concerned, the bank will continue to support initiatives that have to do with sustainability,” adding that migration is a depletion of human resources, depletion of values and depletion of human capital.
“We are here as an institution to help to facilitate and to create awareness that the grass is not greener on the other side, we can develop ourselves, we can build our nation, we can build our continent and sustain it if we do the right things like planting trees, keeping our environment clean, disposing our wastes properly and living a good life,” Mr Monye said.
Mr Monye was accompanied by a team from the bank which included Mr Godwin Ukwat, Regional Head, South South; Mr Archibong Etim, Team Lead Commercial, Calabar; Mrs Queen Essien, Team Lead, SME; Mrs Obo Offiong, Experience Centre Manager, Calabar, Mrs Rita Ihunna, Team Member, Commercial, Head office, Lagos and Mr Blaise Udunze, Media Relations Officer.
During the event, the Cross-River State Governor, Mr Ben Ayade, tasked the bands to interpret the theme, ‘Migration’ for the youths to see the need to remain in Africa and develop the continent.
The Seagull Band is one of the carnival bands registered in 2005 for the Cross-River State annual Christmas festival. It is the most stylish and coordinated body with the main objective of promoting and sustaining the tourism and hospitality industry and enhance the status of the under privilege through charity. The band displays the African culture through aesthetics, talents and innovation, paraded yearly during the carnival.
The Seagull Band is identified by its eye catching distinctive colour – red and maintains defined hierarchical structure. It is the band that recognises and celebrates Nigerians and other artistes, movie stars and beauty queens. The band is under the dynamic and charismatic leadership of the vibrant and distinguished Senator (Princess) Florence Ita-Giwa.
Ita- Giwa was the wife of late Dele Giwa, a journalist killed by a parcel bomb during the military regime of General Ibrahim Babangida. Since the death of her husband, Ita-Giwa has been a vibrant activist and a fighter for the people of Bakassi Peninsula. She’s also a former senator who represented Cross River State Southern District at the National Assembly and a former Legislative Adviser to late Nigerian President Musa Yar’adua.
Speaking on the theme of the carnival, Senator (Princess) Ita-Giwa said the relevance of theme to recent and trending ignoble migrant journey and the attendant menace was no less efficacious as it has brought the subtlety and complexities that characterize the infamous movement of people from less attractive zone to a more attractive one.
She said the 2017 Seagull Band interpretation takes a prismatic view of the forms of migration and causal factors of human migration.
“The epicentre of these interpretations is the two major forms of migration- the 18th century infamous/involuntary yet monumental slave trade and the modern day voluntary slavery/ trafficking of vulnerable persons.
“The tumultuous whirlwind and rippling effect of these forms of migration is brought to the fore,” she said, adding that, “international conflict and war as causes of migration also form part of the outlay.”
The Segaull Band presentation which was set in a typical African setting was logically captured in the following sections: Domestic settlement, arrival of European traders, the slave trade (the capture, torture and resistance), transformation, legacy, human trafficking (sex workers, Libya to Europe, the returnees, natural/environmental disasters, development, self-actualization and dignity restored (Home sweet home)
The five bands: Segaull, Masta Blasta, Passion 4, Bayside and Freedom mustered at Millennium Park along the 12 kilometres Carnival route so that spectators will see at least three performing bands within four hours. The bands arrived at the U.J Esuene stadium early in the morning.
Besides the carnival, there was also the Miss Africa Calabar Beauty Pageant 2017 which was won by Miss Botswana, Gaseangwe Balopi, 21.
Balopi emerged the 2017 African queen at the second edition of the pageant which was a keenly contested event after a fourth round of appearances in different attires by 25 contestants.
She took home $35,000 and a Ford Edge Sport Utility Vehicle as her star prize.
Miss Rwanda, Fiona Naringwa and Miss Luyolo Mngonyama of South Africa were first and second runners-up. Naringwa took home $10,000 and Mngonyama $5,000.
The new queen promised to use her crown to create awareness on the dangers of illegal migration by youths across Africa while the former Miss Africa, Neurite Mendes from Angola, urged the new African queen to use her office to end illegal migration by some Africans to European countries.
Governor Ben Ayade stated that the theme of the event `Climate Change and Migration’ was chosen to create awareness on the need to protect the environment and caution youths against illegal migration.
Mr Ayade noted that the event afforded the African continent the opportunity to choose another beauty queen that will use her beauty to create awareness on the need for Africans to see themselves as one.
“Migration and Climate Change have become burning and global issues today. Our gathering here today is to choose another African queen that will use her office to create awareness on the theme. Blackness is now a perception, beauty and character in the eyes of the people. The Miss Africa pageant is meant to tell the true story of Africa to the world,” Ayade said.
According to him, “how can a continent like Africa that is blessed with abundant natural and human resources be poor? Africans are intellectually sound. We are not gathered here to pick the most beautiful woman, but rather, we want to pick the true African woman who can use her beauty to change Africa. For us to tell the true African story, we need a face that is appealing. Our theme for this year should caution our youths about the tedious journey through the Mediterranean Sea and Sahara Desert to Europe in search of greener pasture.”
We commend the initiative of Heritage Bank for supporting efforts to create awareness about the negative effects of migration and climate change and enjoin other corporate organisations to lend their voices as well as in a bid to sustain advocacy against migration and climate change in the overall interest of the African continent as well as restoration of the dignity of the African man and the black race.
Travel/Tourism
FG to Introduce Biometric Single Travel Emergency Passport 2026
By Adedapo Adesanya
The federal government has announced plans to introduce the new biometric emergency travel document, the Single Travel Emergency Passport (STEP), by 2026 as part of reforms aimed at modernising Nigeria’s immigration processes and strengthening border security.
Initially revealed in November, the Comptroller General of the Nigeria Immigration Service (NIS), Mrs Kemi Nandap, speaking on Monday in Abuja during the decoration of 46 newly promoted Assistant Comptrollers of Immigration (ACIs) to the rank of Comptrollers of Immigration, said the proposed STEP would replace the current Single Travel Emergency Certificate (STEC) and is designed to enhance efficiency, security, and global acceptability of Nigeria’s emergency travel documentation.
She explained that the new emergency passport would be biometric-based and deployed through alternative, technology-driven platforms to ensure seamless service delivery.
“I’m looking forward to embracing 2026, which will also be part of all the reforms we’re doing to ensure that we optimise our services, in terms of visas, passport production lines and our contactless solutions,” she said.
The NIS boss noted that the STEP is one of several technology-driven innovations being rolled out by the Service to improve operational efficiency and meet its constitutional mandate.
She also highlighted the recent introduction of the ECOWAS National Biometric Identity Card (ENBIC), describing it as a critical step towards seamless regional integration and secure cross-border movement within West Africa.
“We want to ensure that our processes are seamless. The STEP, which we are going to launch early next year, is another key programme that will further strengthen our service delivery,” Nandap added.
The Comptroller General charged the newly decorated officers to demonstrate heightened vigilance, professionalism, and integrity, particularly in light of Nigeria’s prevailing security challenges.
“Your decoration today symbolises the trust reposed in you and carries with it expectations of enhanced leadership, sound judgement, accountability and exemplary conduct,” she said.
Mrs Nandap stressed that officers at senior levels must combine professional competence with strong leadership qualities, including clarity of vision, decisiveness, empathy, and the ability to mentor and inspire subordinates.
“Considering the current security challenges our nation faces, we must remain vigilant and unrelenting in the fight against multifaceted threats. Your actions will set the tone and reflect the core values and reputation of this Service,” she warned.
She reaffirmed the Service’s zero tolerance for indolence and unprofessional conduct, urging officers to embrace innovation, adapt to emerging challenges, and place the interest of the NIS above personal considerations.
Travel/Tourism
Moving to France After Retirement: What You Need to Know First
The idea of spending retirement in France comes up often — sometimes because of the climate, sometimes because of the healthcare system, and sometimes simply because of the way everyday life is organised there. But once the initial appeal fades, a practical question usually follows: under what conditions can a retiree actually live in France legally?
The short answer is: it’s possible.
The longer answer requires a closer look.
No “retirement visa,” but a workable solution
Unlike some countries, France does not offer a dedicated retirement visa. This often comes as a surprise. In practice, however, most retired foreigners settle in France under the long-stay visitor visa — a residence status that is not tied to age or professional background.
The logic behind it is straightforward: France allows people to live in the country if they do not intend to work and can support themselves financially. For this reason, the visitor visa is used not only by retirees, but by other financially independent residents as well.
Income matters more than age
When an application is reviewed, age itself is rarely decisive. Financial stability is.
French authorities do not publish a fixed minimum income requirement. What they assess instead is whether the applicant has sufficient and reliable resources to live in France without relying on public assistance. This usually includes:
- a state or private pension;
- additional regular income;
- personal savings.
In practice, the clearer and more predictable the income, the stronger the application.

Housing is not a formality
Relocation is not possible without a confirmed place to live. A hotel booking or short-term accommodation is usually not enough.
Applicants are expected to show that they:
- have secured long-term rental housing;
- own property in France;
- or will legally reside with a host who can provide accommodation.
This is one of the most closely examined aspects of the application — and one of the most common reasons for refusal.
Healthcare: private coverage first
At the time of application, retirees must hold private health insurance valid in France and covering essential medical risks. This requirement is non-negotiable.
Access to France’s public healthcare system may become possible after a period of legal residence, but this depends on individual circumstances, length of stay, and administrative status. It is not automatic.
What the process usually looks like
Moving to France is rarely a single step. More often, it unfolds as a sequence:
- applying for a long-stay visa in the country of residence;
- entering France;
- completing administrative registration;
- residing legally for the duration of the visa;
- applying for renewal.
The initial status is typically granted for up to one year. Continued residence depends on meeting the same conditions.
Restrictions people often overlook
Living in France under a visitor visa comes with clear limitations:
- working in France is prohibited;
- income from French sources is not allowed;
- social benefits are not part of this status.
These are not temporary inconveniences, but core conditions of residence.
Looking further ahead
Long-term legal residence can, over time, open the door to a more permanent status, such as long-term residency. In theory, citizenship may also be possible, though it requires meeting additional criteria, including language proficiency and integration.
For many retirees, however, the goal is simpler: to live quietly and legally, without having to change status every few months.
Moving to France after retirement is not about a special programme or age-based privilege. It is a question of preparation, financial resources, and understanding the rules. For those with stable income and no intention to work, France offers a lawful and relatively predictable way to settle long-term.
No promises of shortcuts — but no closed doors either.
Travel/Tourism
Trump Slams Partial Travel Ban on Nigeria, Others Over Security Concerns
By Adedapo Adesanya
The United States President Donald Trump has imposed a partial travel restriction on Nigeria, as part of a series of new actions, citing security concerns.
The latest travel restriction will affect new Nigerians hoping to travel to the US, as it cites security concerns and difficulties in vetting nationals.
The travel restrictions also affect citizens of other African as well as Black-majority Caribbean nations.
This development comes months after the American President threatened to invade the country over perceived persecution against Christians.
President Trump had already fully banned the entry of Somalis as well as citizens of Afghanistan, Chad, Republic of the Congo, Equatorial Guinea, Eritrea, Haiti, Iran, Libya, Myanmar, Sudan, and Yemen.
The countries newly subject to partial restrictions, besides Nigeria, are Angola, Antigua and Barbuda, Benin, Dominica, Gabon, The Gambia, Ivory Coast, Malawi, Mauritania, Senegal, Tanzania, Tonga, Zambia and Zimbabwe.
Angola, Senegal and Zambia have all been prominent US partners in Africa, with former president Joe Biden hailing the three for their commitment to democracy.
In the proclamation, the White House alleged high crime rates from some countries on the blacklist and problems with routine record-keeping for passports.
The White House acknowledged “significant progress” by one initially targeted country, Turkmenistan.
The Central Asian country’s nations will once again be able to secure US visas, but only as non-immigrants.
The US president, who has long campaigned to restrict immigration and has spoken in increasingly strident terms, moved to ban foreigners who “intend to threaten” Americans, the White House said.
He also wants to prevent foreigners in the United States who would “undermine or destabilize its culture, government, institutions or founding principles,” a White House proclamation said.
Other countries newly subjected to the full travel ban came from some of Africa’s poorest countries — Burkina Faso, Mali, Niger, Sierra Leone and South Sudan — as well as Laos in southeast Asia.
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