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Did Prophet Muhammad (SAW) Permit 100% Interest Rate? A Rejoinder

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Bello Sani Yahuza,The writer on Interest

 

By Bello Sani Yahuza

 

“He who talks on a matter out of his profession comes with surprises” – Ibn Hajar (d. 852AH/1449CE) It has never been an issue for a person to have a keen interest in any field of study. But it is an outlandish the way things are going and the way people quickly assume expertise on a subject matter that are not familiar with.

 

They instead, come up with a lot of chaos, contradictions and confusion. So, I came across an article, written by one personality called Ali Abubakar Sadiq, a journalist by profession who claims deep knowledge of the Principles of Islamic Jurisprudence where he delves into a delicate and intricate issue of Riba (interest).

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Sadiq alleges that the Prophet Muhammad SAW has permitted a 100% interest rate. So, instead of a solution, he brings more confusion to rather known and well define the concept of Riba in the classical juristic theories and its application in the modern banking system.

 

But, beyond this, the writer creates a world of surprises. In fact, if there is an 8th wonder of the world, I am sure his writing could be the one. I, therefore, write these lines, in order to at least address some of these surprising confusions.

 

I intend to address some technical questions regarding the subject matter. For instance, is it really the Prophet (PBUH) permitted interest? what really interest is? What and what constitutes interest (al-had)? What is the Dhabid of understanding interest? What is the effective cause of and what is the wisdom/Maqasid of prohibiting interest?

 

In sha Allah, I will address these questions along the following surprises itemized based on their importance to the subject matter:

 

  1. The Prophet SAW Accepted Interest: Beyond just surprise, it is rather dangerous to claim that the Prophet (SAW) accepted interest. It can even be sacrilegious. I never read or heard a modernist or an orientalist proclaiming that the Prophet himself accepted and transacted in interest. Had this happen, that could be contradictory, I mean how can Prophet Muhammad SAW prohibits something and practiced it. The legal maxim upholds that, “Prohibition of an issue is by default an enjoinment of its opposite”.
  2. This terminology by jurists fits this context well. Besides, the condemnation of interest in the Qur’anic verses are explicitly clear that, Allah even declare war against devourer of interest (Qur’an 2:179). In another verse He says that the devourers of interest will raise in the day of resurrection in a condition of those beaten by Satan leading him to madness (2:275). Another point is how does the writer reconcile his claim with the verse that says, …and Allah has permitted trade and forbidden interest (riba) “الراب وحرم البيع هللا وأحل .” Qur’an as a legal document and a book of guidance, has unique, distinct, and miraculous style. It is full of laws and principles with a well-defined science of interpretation, in addition to commentaries and exegeses. One cannot interpret it relying upon his weak understanding of the language. Besides, English Qur’anic translated versions like Yusuf Ali and others are not enough to make a person understands the deeper meanings of its verses with their implications. Just as one cannot interpret the constitution of the Federal Republic of Nigeria even if he is what William Shakespeare is to English literature. Only an established court of law can do that.
  3. The only Interest/Riba Prohibited is above 100% Another surprise by the writer is his claim that interest which is not more than 100% is permitted by the Noble Qur’an. The writer builds his novice interpretation of Allah’s saying: “O believers, take not doubled and redoubled interest, and fear Allah so that you may prosper.” (Qur’an 3:130). With this weak, unprecedented interpretation, the writer further exposes his unfamiliarity of what he claims to know. Going by number, how would Qur’an permit 100% interest and forbids something above it? And by volume, does one cup of wine has any difference to two cups, or does stealing ₦100 has any difference to ₦200.
  4. It does not make sense, and that is ridiculous! Simply, the verse prohibited double interest which is 100% and redouble which is more than 100%. Going by the writer’s assertion, how and where does the writer get the permission of 100%? I mean, where does that state in the verse? 3. Riba, Profit, and Gift (Ihsan) Another point the writer seems to lack knowledge of is these three concepts. All of riba, profit, and gift (Ihsan) can come as an increase in repayment, his confusion in understanding the subject matter led him to falsely assume they are the same and equal, and so he messed up with them in his writing. Citing Jabir bin ‘Abdullah’s narration in Sahih al-Bukhari, Vol. 3, No. 579, in which the Prophet repaid him the debt he owed him with an extra amount as evidence for interest.
  5. This is clear misunderstanding of the case. This is not interest, had the writer, instead of assuming knowledge, referred himself to the scholars’ interpretation of the hadith, he would have understood it. The Qur’an says: “But if they had referred it back to the Messenger or to those of authority among them, then the ones who can draw correct conclusions from it would have known about it” (Qur’an 4:83). So, interest is clearly prohibited whereas, the other two are allowed. More so, debt on its own is not, and will never be a mechanism for profit-making in Islam. The trajectories of interest, profit, and gift and how they can interchange in a transaction are dynamic.
  6. Interest is a predetermine unjustified increment which promotes exploitation of the giver upon the receiver of the loan. Giving out loan does not make the money increase. Qur’an says: “That which you give as interest to increase the people’s’ wealth increases not with Allah; but that which you give in charity, seeking the goodwill of Allah, multiplies in manifold.” (Qur’an 30: 39). Paradoxically, profit is a justified return or earning upon which all economic and financial transactions are based. While gift is an act of benevolence (Ihsan). So, in essence, giving loans stipulating an increase in the debt agreement is interest, while selling a commodity with the same increase is profit and any addition of both the two instances without stipulating any condition to it, is a gift (Ihsan). As in hadith he cited, “when he (the Prophet) repaid the loan of a camel giving two back (Muwatta Kitab al-Buyu hadith 1346),
  7. Money and Commodity A very basic knowledge of Islamic finance can help one to know that in Islamic law, there is a world of difference between money and commodity. The writer quoted out of context one tradition in Sahih Muslim of Prophet giving a better-quality camel than the original one.
  8. In Shari’ah, a side of being a recognizable unit of account and means of payment for goods and services, money, has no intrinsic value. Money is only viewed as a mechanism for facilitating trade. A ₦100 notes for instance, a side of being a legal tender in Nigeria, one can hardly draw any benefit from it, and the moment that quality preserved by law is removed it becomes nothing.

All the old paper currencies and coins after they were abolished by law of the land, they are as good as trash. But the commodity on the other hand, has intrinsic value, this means a real economic value. So, naturally one can benefit from food, cloth, shelter by eating, waring, privacy etc.

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The implication of that from the jurisprudential perspective is that, one cannot buy and sell money on credit and add anything above the principal. Any increment is interest. The legal maxim says “any loan returns with benefit is interest”. Simply put it, Islam approves Time value in commodity transaction, but prohibits time value of money (TVM).

 

To really understand the concept of Riba in the Islamic jurisprudence, one must know the difference between money and commodity, it is one major yardstick and fantastic point of difference between Islam and the interest-based systems.

 

  1. Collateral as Riba Again, another surprise here, the writer claims that taking collateral in giving loans is also an interest. Citing another narration out of context on Prophet’s taking grain from a Jew on credit and giving him collaterally.

 

The question is how does the collateral in this contract stand as riba? Then, why the Jew had to return back the collateral when the debt was repaid?

 

A clear contradiction and confusion! Collateral is separate rule in the Islamic commercial transaction.

Let the writer refer to Qur’an 2: 282, to know the rules related to collateral.

 

  1. The Definition of Riba The writer here claims that the definition of interest is given in the Noble Qur’an when Allah says “Do not devour riba double and redouble” Qur’an 3:130. This verse does not define interest at all. Rather, it explains one scope, an aspect, and a dimension of interest. Why? because, the cultural context and the prevailing economic system in the Arabia during revelation is that, riba is well known by all and sundry.

The known maxim says: “A known matter does not need definition”. Interest is so pervasive that everybody was transacting in it. Perhaps, this is part of the wisdom of its gradual revelation and prohibition. So, let the writer refer to the gradual legislation of interest in the Qur’an.

 

  1. Riba and Mutual Consent The writer says “There is nothing in the Quran or Hadith that prohibits the pre-fixing of the rate of return, as long as it occurs with the mutual consent of the parties and doesn’t exceed 100%, since the prophet’s payment of two camels for one is 100% interest”. Another glaring misconception! When, where and how the mutual consent of the parties constitutes a source of law in Shari’ah? Or when does it make permitted what is prohibited? I need an answer to this please!

 

  1. Originality The technical aspect of the writing is another drawback of the writing. Apart from verses and hadith he cited; the writer uses most of the writings which are from the secondary sources. The writer claims ownership as if he is the original writer of the issues. He did not acknowledge his sources which some of them are just copied and paste from online internet sources such as Wikipedia and so on.

 

The arguments made by the modernists and orientalists like Muhammad Akram Khan, Timur Kuran, Muhammad Omar Faruq who use TVM, inflation, and so on to defend the banking interest.

 

Other scholars who are moved by political fatwas such as Sheikh Tantawi and other scholars from Egypt, their fatwa is controversial not accepted even in Al-Azhar.

 

Another aspect I find also, apart from modernists’ argument on interest, the writer’s claim on Jassas as the first to interpret interest as all increase, Ottoman’s dealing with interest and historical narration of legalizing interest, these and many others, are not acknowledged. Most of them are copied from Wikipedia (source – https://en.wikipedia.org/wiki/Riba#Non-orthodox_approach).

 

You can see, getting access to information source does not make a person knowledgeable of the subject matter.

 

  1. Warning My advice to the writer is to call his attention that while knowledge is never a monopoly of anybody, but it has its own standard, discipline, and decorum anybody must adhere to. And while, one will never claim to know everything, the jack of all trade will always be a master of none.

Allah The Almighty says: “You have given all of the knowledge but a little”. That is why professionalism is very important and every person should follow his own profession. Nevertheless, no one is denied the benefit of having an interest in any particular field of study.

 

But that aspect should be handled with maturity and respect of the discipline.

 

  1. Admonition, In conclusion, the entirety of religion is based on admonition (Nasihah). My first and foremost admonition to the writer is to quickly repent from alleging the Prophet of accepting riba.

 

It is a grievous sin to falsely attribute something to Allah or to His Messenger. Some scholars rank it equal with the association (shirk) or more grievous than shirk.

 

I also call him to withdraw his claim and adopt the authentic view accepted by the Muslims ummah. The Prophet says: “My nation will never unite on falsehood” You cannot fault the Ummah in its entirety but, individuals cannot be certain of their personal views.

 

 

Bello Sani Yahuza bellokano2000@gmail.com  International Islamic University, Gombak, Malaysia. 14/07/2020

Opinion

Jagoran Kano First, Kindly Hear Me Out: A Concerned Citizen’s Counsel to Governor Abba Kabir Yusuf as 2027 Approaches

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By Sufyan Lawal Kabo | Political Commentator and Civic Analyst
sefjamil3@gmail.com

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The most valuable counsel a leader can receive is rarely the most comfortable. It does not arrive wrapped in flattery or delivered through the careful diplomacy of those whose proximity to power has made honesty a professional risk. It comes, instead, from those who have no personal stake in the leader’s approval, whose only investment is in the success of the larger cause, and who understand, from the clear-eyed distance of genuine civic concern, what the leader’s inner circle is too close, too cautious, or too compromised to say plainly. It is in that spirit, with deep and sincere respect for the leadership of Kano State and genuine appreciation for the efforts of His Excellency Governor Abba Kabir Yusuf, the Jagoran Kano First, that these reflections are offered. Not as an open letter, but as a general meditation on the political moment Kano finds itself in, so that everyone with a stake in the state’s future, governors and governed, appointees and ordinary citizens alike, can benefit from an honest reckoning with where we are and where we are headed.
The political landscape of Kano State has shifted dramatically in recent months. Governor Yusuf’s alignment with the All Progressives Congress has reconfigured the state’s political geometry in ways that are still working themselves out, generating new alliances, reopening old wounds, and producing the kind of charged political atmosphere in which the temptations of reactive communication are at their most dangerous and the need for strategic wisdom is at its most acute. A significant number of politicians have moved with the governor, drawn by conviction, by calculation, or by the simple pragmatism that has always characterized Kano’s political culture. But the alignment has also generated intense opposition, particularly from within the Kwankwasiyya movement, whose supporters feel a sense of betrayal that is as emotionally powerful as it is politically consequential. As the 2027 elections approach, that opposition will not diminish. Every credible political analyst agrees that the coming contest between the Abba camp and the Kwankwasiyya will be among the most competitive and consequential Kano has seen in recent memory, quite possibly more intense than the earlier rivalry between the Kwankwasiyya and Gandujiyya camps.
The evidence of this intensifying contest is already visible in the digital public square. Social media comment sections beneath posts related to the governor’s activities have become battlegrounds of competing narratives, some constructive, many not. Critics deploy phrases like Falle Daya Ce, meaning one tenure only, with the rhythmic insistence of a political chant. The Kano First Agenda, championed with such intellectual seriousness by the Commissioner for Information and Internal Affairs, Comrade Ibrahim Abdullahi Waiya, widely and respectfully known as the Limamin Kano First, has been met with the sarcastic counter-phrase Kwano First, a deliberate attempt to trivialize a governing philosophy whose substance deserves engagement rather than mockery. These are the realities of a competitive democratic environment, and they demand a response. The question, and it is the most important political question facing the administration right now, is what kind of response.
The answer that too many supporters, aides, and communication officers around the governor have been providing is, to put it plainly, the wrong one. There is a pattern of engagement with critics and opposition voices that relies on emotional intensity where intellectual authority is required, on personal attacks where factual correction would be far more effective, and on the language of political combat where the language of governance achievement would be infinitely more persuasive. The public exchange between Dr Yusuf Kofar Mata, a former Commissioner for Higher Education and Science and Technology who departed after the political realignment, and Comrade Saidu Dakata of the Kano State Signage and Advertisement Agency, is instructive in this regard. Dakata’s approach, grounded in facts and delivered with composure, represents the model that every government communicator and supporter should study and emulate. Dr Kofar Mata’s departure and subsequent criticism represent a pattern of political transition that is entirely normal in democratic politics, and the appropriate response to it is not personal hostility but the patient, evidence-based demonstration that the administration’s record speaks for itself.
This brings me to a point that I consider the most urgent communication lesson facing the Yusuf administration as it navigates the approach to 2027. The individuals who occupy communication roles around government do not speak only for themselves. They speak, whether they appreciate this or not, for the government they represent and for the governor whose vision they are entrusted to project. When their language is undignified, when their responses are emotional rather than evidential, when they mistake noise for effectiveness and aggression for strength, they do not merely embarrass themselves. They inflict reputational damage on the administration that no subsequent clarification can fully repair. A government spokesperson, a ministry official, a strategic appointee, these are not party supporters free to conduct themselves as partisans in a street argument. They are, in every public utterance, the voice of governance itself, and the standard to which that voice must be held is the standard of statesmanship, not political thuggery.
There is a deeper strategic error in the adversarial approach to opposition that I want to name directly, because it is one that has cost many Nigerian administrations dearly in the critical period before a contested election. Fighting the opposition, particularly a well-organized and emotionally motivated opposition like the Kwankwasiyya, does not weaken it. It energizes it. Every confrontation becomes a recruitment tool. Every insult directed at a critic generates sympathy among the undecided. Every demonstration of governmental arrogance reminds citizens who are watching carefully that power, when it forgets its purpose, becomes indistinguishable from the very thing it replaced. The comment sections and social media threads that carry intense opposition to the governor are not primarily problems to be suppressed. They are political intelligence to be read, understood, and responded to with the kind of persuasive, patient, dignity-preserving engagement that converts skeptics into supporters rather than driving them deeper into the opposing camp.
History offers an instructive parallel that transcends cultural boundaries. When Liu Bang, the founder of the Han Dynasty, defeated the rival warlords who had contested the collapse of the Qin dynasty, he faced a choice that every leader in a contested political environment eventually faces: humiliate the defeated or absorb them. He chose absorption. He extended dignity and opportunity to former rivals, integrated their networks and constituencies into his growing coalition, and in doing so built a political foundation that sustained one of the most consequential dynasties in Chinese history. The lesson, ancient as it is, has lost none of its relevance. Strong leaders do not multiply enemies. They convert rivals into partners, or at the very minimum, they manage the relationship with former allies and current critics in ways that leave open the possibility of future reconciliation. The Quranic wisdom is equally direct and equally applicable: good and evil are not equal, and evil repelled with what is better produces a transformation that no amount of force or confrontation can achieve.
There is also a matter of democratic principle that deserves honest acknowledgement. From the moment a person is sworn in as governor, he ceases to be merely the leader of a political movement or the champion of a particular constituency. He becomes the governor of an entire state, responsible to every citizen within its boundaries regardless of how they voted, what party they support, or what they said about him during the campaign. The Kano First philosophy itself, in its most intellectually serious articulation, embodies this understanding. It insists that the interests of Kano must always take precedence over the interests of any party, any faction, or any individual. That principle cannot be selectively applied. It cannot mean Kano First when it is politically convenient and NNPP or APC first when political loyalties are under pressure. Its credibility depends entirely on its consistency, and its consistency depends on the willingness of the governor and everyone around him to hold themselves to the standard it sets, even when, especially when, it is politically costly to do so.
I want to address, with particular directness, the tendency among some government-aligned voices to disparage citizens and political figures who do not hold appointments, as though proximity to power were a measure of worth, wisdom, or loyalty. This is a dangerous and ultimately self-defeating attitude. Many of the individuals who supported this political movement through its most difficult years, who spent their own resources, sacrificed professional opportunities, and in some cases faced genuine personal risk because of their commitment to a cause, occupy no position today. The reasons for that are varied and are not, in most cases, a reflection of their competence or their loyalty. When those who have recently arrived at the table of power look down upon those who helped set it, they reveal not strength but insecurity, not confidence but the brittle arrogance of those who have confused the accident of appointment with the substance of achievement.
Kano politics has always been won through coalitions, through the patient assembly of diverse constituencies, interest groups, and political networks into a broad enough tent to command a democratic majority. The governor’s own political journey is a testament to this truth. His rise was built on the foundations of a movement that was itself a coalition, and the loyalty and hope of the people who believed in that movement were the currency with which his political capital was purchased. As 2027 approaches, the question is not whether opposition will intensify. It will. The question is whether the administration will respond to that intensification with the wisdom, dignity, and strategic intelligence that the moment demands, expanding its coalition where it can, managing its critics with composure, and allowing the genuine achievements of the Kano First Agenda to make the most powerful argument that any government can make: the argument of visible, verifiable, citizen-felt results.
Our elders captured this wisdom with characteristic economy: Mai hikima gada yake ginawa ba bango ba. A wise person builds bridges, not walls. The administration of Governor Abba Kabir Yusuf has the vision, the intellectual resources, the policy framework, and the genuine achievements necessary to make a compelling case to the people of Kano. What it must also cultivate, with urgency and deliberate discipline, is the political maturity to pursue that case through persuasion rather than confrontation, through the steady demonstration of competence and integrity rather than the noisy prosecution of political rivalries. History remembers those who unified more fondly than those who divided. Kano deserves a government determined to be remembered well.

Sufyan Lawal Kabo is a political commentator and civic analyst based in Kano State.
Contact: sefjamil3@gmail.com

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Opinion

Kano First: Governor Abba Kabir Yusuf’s Vision for People-Centered Governance

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By Abdu Saidu | Governance and Public Affairs Analyst

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Across the long and complicated history of Nigerian governance, the distance between a governor’s stated vision and the lived reality of the citizens that vision was supposed to serve has been, with depressing consistency, vast. Manifestos have been written with eloquence and abandoned with ease. Slogans have been coined with creativity and hollowed out with indifference. The political vocabulary of people-centered governance, of putting citizens first, of development rooted in the needs and aspirations of ordinary men and women, has been deployed so frequently and so cynically by successive administrations that it has, in many parts of the country, lost the capacity to inspire the very people it was designed to mobilize. Against this backdrop of accumulated disappointment, the emergence of the Kano First philosophy under Governor Abba Kabir Yusuf demands to be assessed not merely on the strength of its language, considerable as that is, but on the seriousness of its institutional grounding, the coherence of its intellectual architecture, and the evidence, however early and partial, of its translation into actual governance practice.
What distinguishes the Kano First Initiative from the generality of Nigerian state governance slogans is precisely that it has refused to remain merely a slogan. From the outset of his administration, Governor Yusuf has demonstrated, through the decisions he has made and the priorities he has set, that Kano First is not a campaign device that outlived its electoral usefulness, but a genuine governing philosophy, one that asks a deceptively simple but profoundly demanding question of every policy decision, every budget allocation, every institutional appointment, and every programmatic commitment: does this put Kano and its people first? It is a question that, if asked honestly and answered consistently, has the power to transform not just individual policies but the entire culture of an administration, reorienting the default instincts of government away from the interests of the politically connected and toward the needs of the ordinarily forgotten.
The philosophical foundation of the initiative is worth examining carefully, because it is more intellectually serious than casual observers have recognized. The Kano First framework is not built on the vague populism that characterizes so much of Nigerian political communication. It is anchored in a specific and historically grounded understanding of what Kano is, what it has been, and what it has the potential to become. Kano’s civilizational heritage, built over centuries on the mutually reinforcing pillars of Islamic ethical governance, commercial integrity, agricultural productivity, artisan excellence, and legitimate traditional authority, represents a development logic that was not imported or imposed but organically cultivated by successive generations of Kano’s people. The Kano First philosophy draws deliberately on this heritage, proposing not a break from Kano’s past but a return to its deepest values, values of integrity, communal responsibility, productive enterprise, and the subordination of personal interest to collective wellbeing.
This historical grounding gives the initiative a cultural legitimacy that purely technocratic governance frameworks cannot achieve. When Governor Yusuf speaks of placing Kano’s interests at the center of governance, he is not articulating a novel political idea. He is, in a very real sense, calling Kano back to itself, reminding its institutions and its citizens of a governing tradition that predates the distortions of recent decades and that contains within it the resources necessary for genuine renewal. That is a powerful message, and it is one that resonates in ways that development metrics and infrastructure targets alone cannot replicate, because it speaks not just to what Kano needs but to who Kano is.
The practical expression of this philosophy across the administration’s policy agenda has been visible in its emphasis on education, infrastructure, healthcare delivery, youth empowerment, and social welfare, not as isolated sectoral interventions but as interconnected dimensions of a single, coherent commitment to improving the quality of life of Kano’s citizens. What is most significant about this approach is not any individual programme or project, important as those are, but the governing logic that connects them: the insistence that public resources exist to serve public needs, that government institutions derive their legitimacy from the quality of their service to citizens, and that the measure of an administration’s success is ultimately not what it has built but how it has changed the lived experience of the people it was elected to serve.
Central to the administration’s ability to communicate this philosophy with the clarity and consistency it requires has been the strategic contribution of the Honourable Commissioner for Information and Internal Affairs, Comrade Ibrahim Abdullahi Waiya, whose role in translating the governor’s vision into a coherent and publicly accessible governance narrative has been as indispensable as it has been intellectually serious. Waiya arrived at the ministry not as a conventional government spokesman but as a thinker and strategist with a formed view of what government communication in a genuinely democratic society must achieve. His foundational conviction, that the Ministry of Information exists not to manage the government’s image but to cultivate the citizens’ understanding, has shaped every significant decision of his tenure and has given the administration’s public communication a quality of intellectual seriousness that distinguishes it sharply from the reactive, defensive, and frequently dishonest communication that characterizes too many Nigerian state governments.
Under his leadership, the Ministry of Information has intensified and deepened its engagement across the full spectrum of Kano’s communication landscape, from the major state media organizations whose institutional capacity he has worked systematically to revitalize, to the grassroots information networks whose reach into Kano’s communities no national platform can replicate, to the professional media bodies and civil society organizations whose credibility and independence make them essential partners in the project of building genuine public understanding of government policy. The training of information officers across all forty-four local government areas of the state was not a routine bureaucratic exercise. It was a deliberate investment in the communication infrastructure that a people-centered governance philosophy requires if its principles are to travel beyond the walls of government ministries and into the daily conversations of the citizens those principles are designed to serve.
The Kano First Initiative’s insistence on transparency and public engagement as governance instruments rather than communication strategies is, in this context, more than rhetorical. It reflects a genuine understanding, shared by both the governor and his commissioner for information, that trust between government and citizens is not a given in any society that has experienced the levels of institutional betrayal that Kano has endured in recent decades. Trust must be rebuilt, slowly, consistently, and through the kind of alignment between words and deeds that cannot be manufactured by any communication campaign, however sophisticated. Every time the administration makes a decision that demonstrably prioritizes citizens over political convenience, every time it communicates that decision honestly and completely, and every time it follows through on a commitment it has made publicly, it adds a small but real deposit to the account of public trust that the Kano First philosophy ultimately depends upon.
It would be both intellectually dishonest and strategically counterproductive to pretend that this work is complete or that the challenges ahead are not formidable. Kano is a large, complex, and rapidly changing society whose development needs are enormous and whose resources, as in every Nigerian state, are constrained by structural realities that no single administration can resolve on its own. The behavioral and normative dimensions of the Kano First agenda, the attempt to reshape civic culture, rebuild institutional trust, and reorient the aspirations of a young and underserved population toward productive enterprise and collective responsibility, are generational projects that will require sustained commitment well beyond any single electoral cycle. The administration’s willingness to acknowledge these challenges openly, rather than projecting an image of effortless success, is itself a demonstration of the governing philosophy it champions.
What the people of Kano, and the broader Nigerian public, are witnessing in the Kano First Initiative is something genuinely worth paying attention to: a state government that has staked its legacy not on the volume of its projects or the scale of its announcements, but on the seriousness of its commitment to a governing idea. Governor Abba Kabir Yusuf has bet his administration’s historical reputation on the proposition that governance rooted in the genuine interests of citizens, communicated with honesty and intellectual seriousness, and implemented with the kind of institutional discipline that the Kano First framework demands, can produce something more durable and more meaningful than the conventional Nigerian gubernatorial legacy of roads, buildings, and ribbon-cutting ceremonies. It is an audacious bet. And for Kano’s sake, it is one that deserves every support that informed citizens, responsible media, and committed institutions can give it.

Abdu Saidu is a governance and public affairs analyst based in Kano State.

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Opinion

The Governor Who Chose His People Over His Politics: Abba Yusuf and the Moral Courage Behind Kano First

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By Saminu Umar Ph.D | Senior Lecturer, Department of Information and Media Studies, Bayero University, Kano surijyarzaki@gmail.com

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There is a particular loneliness that attaches itself to leaders who choose the harder path. It is not the loneliness of isolation, of having no one around them, because such leaders are almost always surrounded by people, by aides and advisers, by supporters and well-wishers, by the constant human traffic of political life. It is a deeper and more demanding loneliness, the loneliness of the person who must make decisions that others will not fully understand until long after the moment has passed, who must absorb criticism that cuts personally while continuing to serve publicly, and who must find, in the space between the weight of expectation and the limits of human capacity, the daily resolve to keep going. It is the loneliness, in short, of genuine leadership. And it is a loneliness that Governor Abba Kabir Yusuf of Kano State has come to know with an intimacy that his most vocal critics, comfortable in the uncomplicated freedom of opposition, will perhaps never fully appreciate.
To understand the moral courage that underlies the Kano First Initiative, one must first understand the political inheritance that Governor Yusuf carried into office. He did not arrive at Government House, Kano, as a political outsider unburdened by prior obligations and free to govern purely on the basis of his own convictions. He arrived as a product of a political movement, as a leader whose rise had been enabled by a coalition of forces, interests, and personalities whose expectations did not always align with the needs of the twenty-two million citizens whose welfare his oath of office placed in his hands. The tension between those expectations and those needs, between the claims of political loyalty and the demands of public service, is one that every Nigerian governor faces to some degree. What distinguishes Governor Yusuf’s story is not that he faced this tension, but what he chose to do when it became impossible to navigate it without choosing a side.
He chose his people. And that choice, made at considerable personal and political cost, is the foundation on which the entire moral architecture of the Kano First philosophy rests.
The financial scandals that emerged in the early period of his administration, the billion-naira deductions imposed on local governments, the Novamed controversy that drained hundreds of millions from the state’s healthcare resources, were not merely governance crises. They were personal trials of a particularly painful kind. Here was a governor, widely regarded even by his critics as genuinely humble, intellectually serious, and personally committed to the welfare of Kano’s people, discovering that the machinery beneath him had been partially rewired to serve interests other than the ones he had been elected to serve. His public acknowledgement that he had not been fully aware of the transactions in question was seized upon by political opponents as evidence of weakness or incompetence. It was, in fact, something considerably rarer in Nigerian public life: an honest man’s honest admission that he had been deceived by those he trusted.
Consider for a moment what that moment must have felt like. A governor who came to office with genuine idealism, with a sincere desire to honor the trust that millions of Kano citizens placed in him, confronted with the reality that the very people positioned closest to the levers of power were using those levers for purposes that betrayed everything he stood for. The temptation in such a moment, particularly for a leader whose political survival depended on maintaining the unity of a broad and sometimes fractious coalition, would have been to minimize, to manage, to find a quiet accommodation that preserved the alliance without confronting the rot. That is, after all, what Nigerian political culture most frequently rewards. Confrontation is costly. Accommodation is comfortable. And the short-term arithmetic of political survival almost always favors the comfortable choice.
Governor Yusuf did not make the comfortable choice. He made the courageous one. The decision to break decisively from the suffocating grip of godfatherism, to place the interests of Kano above the expectations of political patrons, and to govern on the basis of his own convictions and his own accountability to the people who elected him, was not a carefully calculated political maneuver. It was a moral act, born of the recognition that the alternative was a betrayal too profound to live with. And moral acts of that magnitude always carry a price. The price, in his case, was the loss of alliances, the intensification of opposition, and the kind of sustained political hostility that now defines Kano’s pre-election landscape. He paid that price willingly. The people of Kano should understand what that willingness cost him.
It is within this context of demonstrated moral courage that the Kano First Initiative must be understood, not as a political programme designed by a communications department, but as the governing expression of a personal conviction that has been tested under genuine pressure and has held. When Governor Yusuf says that Kano must come first, that the interests of its citizens must take precedence over every political calculation and every personal consideration, he is not reciting a slogan. He is articulating, in the language of policy, the same principle that guided his most difficult personal decisions. The Kano First philosophy and the Kano First governor are not separate things. They are the same thing, the same commitment, expressed in two different registers, one personal and one institutional.
The Kano First Initiative, developed with remarkable intellectual seriousness under the stewardship of the Honourable Commissioner for Information and Internal Affairs, Comrade Ibrahim Abdullahi Waiya, gives this personal commitment its institutional architecture. The comprehensive policy framework for social and institutional reorientation that the ministry has produced is not merely a communication strategy or a governance programme in the conventional sense. It is an attempt to translate a governor’s moral convictions into a durable, evidence-based, culturally grounded framework for societal renewal, one that addresses not just the material needs of Kano’s citizens but the deeper normative and behavioral foundations on which sustainable development depends. It is, in the most meaningful sense, a document that reflects the character of the man whose administration produced it.
What strikes the honest observer about Governor Yusuf, and what his critics most consistently fail to account for in their assessments, is the combination of intellectual humility and moral steadfastness that defines his leadership style. He does not govern with the theatrical confidence of the politician who has never doubted himself. He governs with the quieter and more durable resolve of the person who has examined his own convictions carefully, found them worth defending, and committed himself to defending them regardless of the political weather. That quality is not weakness. In the context of Nigerian governance, where the pressures to compromise, to accommodate, and to prioritize political survival above all else are relentless and overwhelming, it is an exceptional strength.
His supporters understand this, and their loyalty is of a kind that is not easily manufactured by political machinery. It is the loyalty of people who have watched a leader face genuine difficulty and choose principle over convenience, who have seen him absorb attacks without losing his dignity or abandoning his purpose, and who believe, on the basis of observable evidence rather than mere political faith, that the man at the head of Kano’s government is genuinely trying to do right by the people he serves. That belief is a political asset of incalculable value, and it is one that no amount of opposition noise or digital hostility can easily erode, because it is rooted not in perception management but in the accumulated testimony of lived experience.
To the people of Kano who are watching the intensifying political contest that the approach of 2027 has already set in motion, this writer offers a simple appeal: look past the noise. Look past the slogans and the counter-slogans, the social media battles and the political calculations, the claims and the counter-claims that will multiply in volume and intensity as the election approaches. Look at the man. Look at the decisions he has made when making the right decision was costly. Look at the initiative his administration has championed, not in its press releases and communication campaigns, but in its intellectual substance and its institutional seriousness. Ask yourself whether Kano has recently had a governor who brought this combination of personal integrity, moral courage, and genuine policy seriousness to the task of governing a state whose people have waited too long for a leader worthy of their loyalty.
Governor Abba Kabir Yusuf is not a perfect man, and he has never claimed to be. He governs in conditions of extraordinary difficulty, navigating resource constraints, political pressures, institutional weaknesses, and social challenges that would test the most experienced and best-resourced administration in the world. He has made mistakes, as every leader does, and he will make more. But what he has also done, and what the Kano First Initiative represents most fundamentally, is to make the choice that defines a leader’s legacy more than any project or programme ever can: the choice, when it truly mattered, to put his people before his politics. Kano has not always been fortunate enough to be able to say that about its governors. At this moment in its history, it can. And that, in the judgment of this writer, is worth far more than the political noise that currently surrounds it.
Saminu Umar Ph.D is a Senior Lecturer in the Department of Information and Media Studies, Bayero University, Kano. surijyarzaki@gmail.com

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