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Suffering OF MSME’S Survival Fund Beneficiaries

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Hashim Abdallah

 

By Hashim Abdallah

In order to be fair, let me start with the commendation of the govt for some initiatives regarding her programmes meant to lessen the hardship being undergone.

 

One wonders always when the government claims initiatives like never before in spite of the itching living standards. Yes, its undeniable fact that most of them none of the past governments ever did similarly.

 

The contenders too are right, if not for they think one government did it or even did it better, for the fact that those benefits do not reach the targeted citizens. The government too is right in its claim as I can emphasise without a stark contradiction, but only if I may borrow an African maxim, Rijiya ta ba da ruwa, guga ya hana, which, beside failure of the government’s dividends to reach citizens,  may literally mean, the well approves water, the container refused lifting it out.

 

Beside that wisdom of the African rhetorics in the said Hausa adage as translated, one may now see my overt meaning or begin to see it at least, especially, if we would reflect the occurrences sequel to the #EndSars rebellion, whence the citizens all over the country plunder their respective sates’ warehouses to reclaim the hidden palliatives meant for them during the Corona Virus scourge to survive the starvation experiences.

 

When the Humanitarian Minister claimed the distribution to all states, she was called and or renamed a number of names censurably and angrily, like the one Hausa notorious idiophone that sounds to mean the greatest liar, Zubaida just like they later reverted to call her with the one Hausa-borrowed Arabic word/name Saddiqa that means truthful, with the discovery of the hidden palliatives confirming the veracity of her claim. Some of the angry critics mostly on social media apologetically colloquially, we mistook her for Zubaida, but she is Saddiqa. We thought she is the greatest liar, but she is truthful.

 

 

I am happy now that we discovered something about it with/out being judgemental on who is right or wrong, but what had transpired is valuable experience which has never been wasted like all other human experiences. Let put the experience in a prudent way to avoid repetition of the bad one, let us nip something bad in the bud as patriots.

There has been an ongoing distribution of one of the palliative programmes meant for the benefit of small and medium business owners as Survival Funds.

 

It is already all about discrepancies observed on the said programme I pick this pen. I would talk on those issues which if considered and addressed, they would be of good for the nation if we really are all responsible, ideal and sincere. I will like to draw the attention of the stakeholders and the concerned ones.

The MSME Survival Fund programme is to assist the suffered business owners that Covid-19 ordeal almost smothered to death due to the lockdown, like school proprietors, merchants and traders, etc.

 

 

Nigerians welcomed more than other programmes. They even considered it the best for being not only interest/profit-oriented but also free money benefit. The programme has already gone far expected to culminate and accomplished this December 2020. Unfortunately, grouse already started due to the fear that the other palliatives’ similar treatment might be repeated.

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The MSME Survival Fund is a programme which instructed that all prospective beneficiary business owners must have CAC, Corporate Affairs Commission’s register, evidence of voucher paid to the staff of the business, bank details of the owner and the staff too who must not exceed 10 in number per business name.

 

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This is according to the guidelines that will qualify a business to benefit from the support. The programme targets 500,000 business owners as beneficiaries across the nation.

The problem began to arise when the programme claimed to have paid more than half of the beneficiaries, with all the unfortunate issues of irregularities here and there.

 

 

For example, one beneficiary told me that he does not think they could keep up to their promise because, he or his staff has not been called for an interview while many other business owners already received their first and second payments as the December is fast becoming outgoing, a month they promised to complete all the three to all the beneficiaries.

 

 

The irregularities also left many with questions with nowhere to lodge a complaint for none FAQ can cover answering all questions and no website info can give all the info a visitor may find in anticipation of all his quests.

The main problem as according to one Twitter user is their non-replying attitude when contacted via their Twitter handle. The same person insisted that he tried the same inquiry method via email but they are to respond after more than a month

One business owner also complained that he and all of his 5 staff received their first payment but one, and as the one were awaiting her first payment for about 10 days, three more staff received their second payments while he, the defaulted first payment receiver and one more staff not yet receive the second payment.

 

 

The same person complained that he is confused that he received 30 thousand naira as the business head instead of 50 as they do pay any head.

 

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While another business owner said he is confused that she received 30k, her staff received that 50k for the head, another business entrepreneur laments he is giving up because, he is among those who submitted the requirements and were verified as accurate as they were, but yet to receive anything either interview or payment.

 

“I think I am forgotten, because those who submitted their details long after I submitted received interviews and subsequently their first payment at least”, he said. Really, people complained that nobody knows how does it work at all. It is not first to come first to serve, not state by state or region by region. Neither they do batch by batch payment nor bank by bank payment. It all seems random as opposed to systematic and organized, especially if the allotted time (December) is really needed to meet which seems not possible since only more than half payment only attained so far at the end of the stipulated all payment completion month.

Sequel to this, people are suspicious. “I smell a rat that hidden palliatives treatment may be repeated,” complained one block making place staff lacking confidence in the MSME Survival Fund.

Finally, I will like to urge, the main issue which must be addressed is the lack of information which everybody knows brings about speculation. It is high time they explain the situation to calm people in darkness down. All in the darkness, it is always the fear of the unseen and unknown make people uncomfortable in the nights.

This is a call on the government and or the stakeholders on the scheme to look into this with a view to rectifying the problem.

Nigerians have to be informed and their queries be addressed by explaining and mending the discrepancies, gaps, questions, irregularities, disparities and imbalances observed.  An explanation is enough for sure.

 

 

Hashim Abdallah Wrote This From Malam Madori In Jigawa State.

Opinion

How DSP Barau Rescues North West Development Summit

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By Abba Anwar

The patriotic posture and genuine love for regional development from the side of the Deputy Senate President, Distinguished Senator Barau I Jibrin, CFR, saved face for the just concluded and One-Day North West Stakeholders’ Development Summit, that took place at Umaru Musa Yar’Adua Conference Centre, Murtala Mohammed Square, Kaduna.

With the theme “Advancing A Coordinated Regional Development Agenda For North-West Nigeria.” To see the visible hands of the DSP in a more glaring way, the Summit was organized by the Senate and House Committees’ on North-West Development Commission, in good collaboration with North-West Governors’ Forum and North-West Development Commission.

The shabby representation of political leaders, especially at the state levels, was too defeating and undermining of the original objective of the Summit. But when the Deputy Senate President, arrived, the Summit was injected with life and survival strategy.

To understand how important, is the region in the sight of the DSP, he had an occasion to attend, as a representative of the Senate President, His Excellency Godswill Akpabio, almost the same time with that of the Summit’s.

He was billed to represent Akpabio at a grand event to receive the Governor of Taraba state, Agbu Kefas, in Jalingo, the state capital. But DSP ATTENDED THE SUMMIT IN KADUNA, BEFORE PROCEEDING TO JALINGO. That was a show of concern and love for the region. Bravo DSP! Bravo!!

The Kaduna Summit, was meant to create corridor for a high level platform for working hand in hand among federal, states actors, development partners and other meaningful stakeholders. To also strengthen regional coordination between the National Assembly, state governments, North West Development Commission and other Ministries, Departments and Agencies across the region, for meaningful regional development.

One can see how Distinguished Senator is running helter-skelter to create synergy between the National Assembly and the regional Commission. Out of the zeal to see to the growth and development of the region.

At the Summit, DSP was the highest elected official from the zone, who attended and injected enthusiasm to all who were at the hall. Including an elder statesman, Dr Hakeem Baba Ahmed, who complained bitterly about the absence of all the seven governors from the zone, North West.

Without fear of mincing words, I can add that, part of the reasons why the Deputy Senate President found it specifically important to bless the occasion, was his clear understanding of the Summit’s object that, there is a need to promote integrated and cross sectoral approaches to address key challenges facing the region.

While at the same time, believing that, the idea of encouraging private sector participation and supporting development partners engagement in financing and delivering sustainable development projects, is key in today’s Nigeria, he squeezed his schedules to be in Kaduna, no matter what. This is an excellent exhibition of statesmanship and responsible leadership.

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Distinguished Senator’s zeal and commitment is partly acknowledged in his remarks at the event, when he said, “𝐓𝐡𝐞 𝐍𝐨𝐫𝐭𝐡 𝐖𝐞𝐬𝐭 𝐢𝐬 𝐫𝐞𝐚𝐝𝐲 𝐭𝐨 𝐫𝐢𝐬𝐞— 𝐧𝐨𝐭 𝐢𝐧 𝐢𝐬𝐨𝐥𝐚𝐭𝐢𝐨𝐧, 𝐛𝐮𝐭 𝐢𝐧 𝐜𝐨𝐨𝐫𝐝𝐢𝐧𝐚𝐭𝐞𝐝 𝐩𝐚𝐫𝐭𝐧𝐞𝐫𝐬𝐡𝐢𝐩 𝐰𝐢𝐭𝐡 𝐭𝐡𝐞 𝐍𝐢𝐠𝐞𝐫𝐢𝐚𝐧 𝐟𝐞𝐝𝐞𝐫𝐚𝐭𝐢𝐨𝐧 𝐭𝐡𝐫𝐨𝐮𝐠𝐡 North West Development Commission (𝐍𝐖𝐃𝐂), 𝐑𝐞𝐧𝐞𝐰𝐞𝐝 𝐇𝐨𝐩𝐞 𝐀𝐠𝐞𝐧𝐝𝐚.”

One can understand how keen is the DSP concerning the Summit, hence his show of interest and commitment. He said, “I approach this gathering not merely as a political leader or a critical stakeholder, but as a constitutional trustee of the Nigerian project. I stand here with a profound sense of responsibility to ensure that our region does not merely participate in national development, but takes its rightful place in shaping the direction of things.”

Many people at the event believed that, there could be some forces outside the composition of the Commission, that become bottlenecks for the proper and immediate take-off of the Commission, more than a year after the consent of President Bola Ahmed Tinubu, GCFR. Whether true or false, I can’t say. Hence, the none participation of big hands and faces in the Commission’s activities. Including today’s Summit.

That thinking, could be the reason why he further explained that, “It was from this understanding (of regional integration and development) that the idea of the North West Development Commission was conceived. The Commission was not created as another bureaucratic layer, but as a strategic institution—designed to aggregate our regional priorities, harmonize development efforts, and provide a long-term framework for addressing the structural challenges that have historically constrained our progress.”

The Kaduna state Governor was ably represented by his Deputy, Dr Hadiza Sabuwa Balarabe. Kano State Governor was represented by the Secretary to the State Government, Umar Faruk and Katsina State Governor was also represented by a senior government official.

Observations indicate that, His Excellency Jibrin, has genuine commitment for the Commission. He mentioned part of the reasons why he is so much attached to the Commission. When he said, in his remarks, “As we are aware, the North West is home to tens of millions of Nigerians. It is Nigeria’s largest agricultural belt, a major contributor to food security, commerce, and human capital. Yet we are also confronted by complex challenges—ranging from insecurity and infrastructure deficits to climate stress, youth unemployment, and uneven access to social services. These challenges do not respect state boundaries; therefore, our solutions must transcend them.”

To the chagrin of many, the Summit folded up without any official closure. No Communique no questions and answers sessions. Certificates were not presented to participants and all the highly placed officials were seen in total and absolute shock. While observing a near turn-of-events.

But the appearance of the National Assembly, Senate and House Chairmen Committees on North West Development Commission, Senator Babangida Hussaini and Dr Sulaiman Abubakar Gumi respectively, as well as all the three Senators from Kano state, DSP inclusive, injected some courage to the organisers.

Honourable Minister of State, FCT, Dr Mariya Bunkure’s participation was also another source of courage to the organizers. Not to talk of all the lead paper presenters, who were all around. Not to talk of the very large turn out of participants from all walks of life from the region.

I do not include the Chairman of the Governing Board of the Commission and the Managing Director /Chief Executive Officer, Lawal Sama’ila Abdullahi and Prof Shehu Abdullahi Ma’aji, because their presence is basic and necessary. So they were there live and direct. The presence of the Director General of North West Governors’ Forum, Maryam Musa Yahaya, was another source of hope to the organisers and innocent participants.

Anwar writes from Kano
Saturday, 31st January, 2026

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Opinion

Northern Nigeria at the Crossroads: Leadership, Succession, and the Question of Survival -Zainab Buba

Zaynab Buba Galadima

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Zai

 

 

Northern Nigeria’s leadership crisis is not the absence of leaders, but the absence of structured continuity. From independence in 1960, the North understood leadership as stewardship. Under Sir Ahmadu Bello (Sardauna of Sokoto), and other Northern leaders such as Sir Abubakar Tafawa Balewa, Hassan Usman Katsina, Sir Kashim Ibrahim, Chief Sunday Awoniyi, Joseph Tarka and Aminu Kano, governance was anchored on moral authority, regional cohesion, education, and economic productivity. Institutions like the Northern Nigeria Development Corporation (NNDC), Ahmadu Bello University (1962), and regional marketing boards were deliberate tools for sustainability, not personal gain.

The NNDC, funded largely by proceeds from cotton, groundnuts, hides and skins exports, financed industrial estates, textile mills (Kaduna Textiles, Arewa Textiles), and scholarship schemes. Graduates were absorbed into public service, and employment guarantees, official cars, and housing schemes were not populist gestures but outcomes of a planned regional economy. These systems began to weaken after the 1966 coup, and by the collapse of the First Republic, the North lost its ideological anchor.

Military rule (1966–1979) centralized power, dismantled regional economic autonomy, and replaced mentorship with command loyalty. The abolition of marketing boards in the late 1980s under Structural Adjustment further destroyed Northern productive capacity. What followed was survival politics leaders focused on federal allocations rather than regional development.

The North miscalculated profoundly with Muhammadu Buhari. From 2003 to 2015, Northern elites rallied behind him as a symbol of integrity and discipline. He was projected as the solution, but not as the builder of systems. When he finally won in 2015, no clear succession plan or leadership school emerged. Buhari’s personal moral standing did not translate into institutional reform, mentorship pipelines, or a future-facing Northern agenda. The North lived in the moment, not the future.

Yet, Northern Nigeria still possesses experienced leaders who, if united around vision rather than ambition, could arrest the decline; To mention a few:
1. Atiku Abubakar – unmatched private-sector exposure, national networks, and understanding of fiscal federalism and economic restructuring.
2. Rabiu Musa Kwankwaso – proven record in education, human capital investment, and institutional continuity.

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3. . Sen. Jonah David Jang (rtd.) – he symbolizes minority participation in both military and democratic leadership, particularly in navigating identity, faith, and regional diversity.
4. Kashim Shettima – crisis governance experience from Borno, exposure to insurgency management and national economic coordination.
5. Gen. Theophilus Danjuma (rtd.) – A former Chief of Army Staff and Defence Minister, Danjuma represents moral courage and principled leadership, later channeling his influence into philanthropy, national stability, and institutional support through the TY Danjuma Foundation.
6. Nasir El-Rufai – infrastructure reform, urban governance, and policy articulation.
7. Rt. Hon. Yakubu Dogara – His leadership symbolized inclusion, constitutionalism, and the political relevance of Northern minorities in national decision-making. As Speaker, he emphasized legislative independence, rule of law, and national unity across faith and ethnic lines.
8. Aminu Tambuwal – legislative depth, constitutional knowledge, and executive experience.
9. Ahmad Lawan – legislative continuity and federal budgeting experience.
10. Bukola Saraki – institutional reform, health sector interventions, and bridge-building across regions.
11. Aliyu Wamakko – grassroots mobilization and state-level governance.
12. Babagana Zulum – security-informed leadership and humanitarian governance.

The tragedy is that these leaders operate in silos, not as a collective Northern brain trust. Most times leadership without ideology, even competence fragments.

Today, Northern Nigeria bears the brunt of capital project neglect, decaying rail and road networks, underfunded schools, overstretched security architecture, and disproportionate poverty indices despite producing the bulk of Nigeria’s political leadership. Federal allocations meant for education, security, and infrastructure have been mismanaged by Northern elites who themselves benefited from free education, scholarships, and social justice structures of the old North.

What went wrong? The destruction of production-based economics. The North abandoned agriculture value chains, textile manufacturing, and vocational education for rent-seeking politics. Mentorship collapsed. Elders stopped acting as moral guardians. Young people were mobilized as political foot soldiers, not future leaders.

More dangerously, the North has failed to interrogate the worst case scenarios. If Nigeria fractures under economic pressure, insecurity, or ethnic fragmentation, what becomes of a region plagued by poverty, porous borders, arms proliferation, and food insecurity? Survival thinking demands preparation for the worst, not blind faith in the status quo.

To rebuild, a credible Northern agenda must incorporate:
• Human capital development (education, skills, research)
• Security sector reform and local intelligence structures
• Regional economic revival (agro-processing, solid minerals)
• Leadership mentorship and succession institutions
• Moral reorientation and civic responsibility
• Intergenerational leadership pipelines

Unity is not optional it is existential. 2027 is not about ambition; it is about survival. For elites, it is the final chance to correct history. For the poor, it is a fight for dignity. For the youth, it is a moment of becoming. Titles must fall. Ego must retreat. The North must sit at the table as equals, not as lords.

History shows what the North built. The present shows what neglect destroyed. The future will judge whether this generation had the courage to rebuild or allowed the house to collapse completely.

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Opinion

Kano Gov’s Defection : As Gov Radda Concretizes Synergy With Kano

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By Abba Anwar

Immediately after his official decamping to All Progressives Congress (APC), the Kano state Governor, Abba Kabir Yusuf, the Governor of Katsina state Dr Umar Dikko Radda, described the move as “… strategic for regional unity, stability and development.”

In a press statement issued by his Chief Press Secretary, Ibrahim Kaula Mohammed, the Chairman of the North West Governors’ Forum, Radda, after congratulating Kano governor for the move, he signaled his intention of working in good synergy with his Kano counterpart for finding lasting solutions to insecurity, political instability and other vices.

He was instructive when he said, according to the statement, “The decision of His Excellency, Governor Abba Kabir Yusuf, to join the APC is a demonstration of responsible leadership and a strategic step towards deepening cooperation with the Federal Government and advancing the Renewed Hope Agenda of President Bola Ahmed Tinubu for the benefit of Kano State and the entire North West.”

The statement clearly indicates maturity in governor Radda’s statesmanship position across the zone, his readiness to work tirelessly with governor Yusuf in repositioning and revitalizing the zone for better tomorrow. In areas like sustainable development, enhanced security, fight against youth restiveness and drug abuse.

In his commendation of the Kano state governor, he acknowledged that, “Leadership demands the courage to take decisions in the long-term interest of the people. Governor Abba Kabir Yusuf has demonstrated this by placing peace, stability and progress above all other considerations.”

In my estimation and understanding, the way Kano APC received the hitherto New Nigeria People’s Party (NNPP) governor into its fold, with all sense of dignity, humility and magnanimity, was what moved other APC North West Governors to collectively congratulate him through the able leadership of the governor of Katsina state.

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The statement disclosed that, “On behalf of the North West Governors’ Forum, Governor Radda congratulated Governor Yusuf and assured him of the full support and cooperation of his colleagues across the region and the country, while wishing him wisdom, strength and success in his leadership.”

All who is who in Kano APC was very much around and received the governor with all open hearts. To the extent that, he was assured by the APC leader in Kano, then, former governor Dr Abdullahi Umar Ganduje, CON, that, all paths were set for the new entrant, governor Yusuf, to seek for re-election come 2027.

The same assurance was given by the Deputy Senate President, Distinguished Senator Barau I Jibrin, CFR, that, he jettisoned his ambition and gave way for the incumbent to contest for a second tenure, 2027. Many good wishes and encouragements were transparently stared at the good face of the governor.

Observing how comfortable the Kano state governor was, during the grand event for his decamping, that took place at Government House, Kano, governor Radda believes further that, another good partner for meaningful development is now on board. Hence the unwavering support from other North West governors to governor Yusuf.

Radda’s glaring happiness and show of commitment towards the development of Kano, was what prompted him to acknowledge and accept new political alignment and realignment with Kanawan Dabo at the peak of political cohesion, as governor Yusuf cross-carpeted.

In the referenced press statement, the Katsina state governor hinted that with Yusuf’s exit from NNPP to APC, the synergy between Kano and federal government, which he termed as political realignment would enhance the implementation of the Renewed Hope Agenda in critical areas such as security cooperation, agricultural transformation, industrialisation and youth empowerment.

With this, we have nothing to add, as encomium to the people’s President, Bola Ahmed Tinubu, GCFR, who has energetic state governors under the platform of his party, the APC. Such as Governor Radda, who leads North West Governors’ Forum.

In another way round, Katsina state governor, is very instructive to some basic advances that, Kano state under APC, would receive critical attention from the federal government. This, I observed severally.

This could also mean, Radda’s attention and unwavering commitment for development, are focused on Kano, with the entrance of Yusuf into APC’s fold. This means a lot as build – up to APC’s victory come 2027. It also means his un-arguable commitment to regional cohesion and cooperation.

To fully appreciate and strengthen the courage of other elected officials from Kano, who also decamped to the ruling APC, in the press release, the leader of North West Governors’ Forum, “… welcomes the decision of members of the Kano State Executive Council, the State House of Assembly, National Assembly members and local government Chairmen to also join the APC, describing it as a strong signal of political stability, unity of purpose and shared commitment to development in the state.”

Anwar writes from Kano
Wednesday, 28th January, 2026

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