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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.

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

Forte GCC Sets New Standards in Engineering, Construction, and Real Estate-Adnan

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Forte GCC raises the bar in engineering, construction, and real estate with groundbreaking standards, by Adnan Mukhtar

In a move that is set to revolutionize the engineering, construction, and real estate sectors, Forte GCC Innovative Solutions Limited has announced its commitment to innovation, sustainability, and excellence.

Since its inception in 2019, the company has established itself as a trailblazer in the industry, with a team of dedicated professionals and a vision to harness the power of technology to craft a smarter, more efficient world.

The company’s mission and vision is to elevate services through continuous research and innovation and to become a frontrunner in engineering consultancy, construction, and real estate sectors.

Led by Engr. Khalil Sagir Koki, a seasoned engineer and project manager with a proven track record of delivering complex projects, the company’s management team boasts a diverse range of expertise and experience. Engr Khalil has a Masters of Engineering in Civil and Environmental Engineering from the University of Surrey and a Master’s of Science in Engineering Construction Management from the University of East London. Engr. Koki is a member of the Nigerian Society of Engineers, the Institute of Civil Engineers UK, the Institute of Highways Engineers UK, and the Association for Project Management UK, and has attained the APM Project Fundamental Qualification from the Association for Project Management. He also holds a Construction Project Management certification from the Colombian University of New York.

Other members of the management team include Engr. Emmanuel Adetokumbo, a COREN-registered engineer with over a decade of experience in building and infrastructure projects; Muhammad Gazzali Ado, a seasoned finance professional with experience in accounting, taxation, and financial management; and Mrs Misriyya Imam Hassan, a management expert with a degree in Management Information Systems from the University of Sharjah and an MSc from the University of Leicester.

The company’s recent achievements include the successful completion of Laurat Terraces, its inaugural real estate development project in Katampe District, and the commencement of two new estates, Misriyya Terraces and Guildford Terraces, in Katampe District.

With its commitment to safety, ownership, integrity, passion, and teamwork, Forte GCC Innovative Solutions Limited is set to deliver unparalleled results and shape the future of Engineering, Construction, and Real Estate in Nigeria and beyond.

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Opinion

Ahmad Abdulkadir Firdaus :A Successful Business Man And Philanthropist

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Abdulkadir Ahmad Firadusi

 

By AbdurRaheem Sa’ad Dembo

The fascinating story of Ilorin born businessman but resident in Kano, Ahmad Abdulkadir Firdaus is the one filled with a rare commitment and tenacious disposition. He is the Chief Executive Officer of Aquarich Integrated Services, Hydro Blue Water and Habidaus Global Concept in Kano. Indeed, no businessman or an entrepreneur would ever tell you it is easy to be in business or self employed but he has been making remarkable progress against all odds.

It interests me to write about him because I have been in the know of how he has positively metamorphosed from being an employee to become an employer of labour in the commercial city of Kano. Firdaus story is not a fairy tale as those who know him can attest to his growth in the Kano business community.

Sincerely, it is through observation of him I got to know practically that you don’t invest in a business if you don’t have time to monitor it, otherwise you would be feeding the greedy and glutton among your workers inadvertently, and before you know it, the business has collapsed. They don’t want to know how you come about the capital for the business but they would be ready to drain the resources to comatose, since no one would be around to have critical monitoring of their activities.

Successful businessmen do have challenges and that of Firdaus is no exception, especially given the current stifling inflation in the country. You must have the courage and sagacity to pull through in business with sincerity and promptness.

There was a time I visited Kano, precisely February, 2022 to attend the 40th Anniversary of Mass Communication Department in Bayero University, Kano, my alma mater. I observed him in the office and I discovered that he has full grasp of what it entails to run a business. He is an economist, so one shouldn’t expect less from him.

He is very strict but pragmatic. His strictness cannot be likened to nefariousness but proper way of doing things. He doesn’t cut corners. He will never bargain for substandard products.

As an entrepreneur you have a goal, but it should be predicated on your customers satisfaction. Without them your business will face retardation and sluggishness. That is why when you agree on a day and date for the supply of goods, do not renege. Customers develop confidence in someone based on their experience over time. If their experience is positive you are in for a good time with them.

Discipline as a core value in any setting, be it political, social or economic, will help anyone to grow; especially in business, financial discipline is key. To the best of my knowledge, Firdaus has it and his prudence is a great deal of idea.

*My relationship with Firdaus*

We are both from Ilorin but we didn’t know each other until we met in Bayero University, Kano. Although we gained admission the same time, he was a year ahead of me because his was a direct entry. Since graduation, the relationship has been sustained till today; alhamdulillahi! He is a thorough person, he neither receives ideas and/or opinions nor treat issues dogmatically. It takes a sound and convincing explanation of a subject matter to get him on the same page with one.

Our good friends, they say, are our lives. At one’s lowest hour, one must have that one person in whom to confide. This is reminiscent of Mariama Ba’s So Long a Letter in which it is said “confiding in others always pain”.

Our relationship has transformed beyond friendship, it is now a familial bond. I can remember when I attended his wedding in Kaduna in the year
2009 and he reciprocated by attending my wedding in Ilorin together with his wife, an epitome of a good wife.

He is based in Kano but his door is always open to visitors. You can’t visit his family without giving a good account of their hospitality and humility. Great men are synonymous with humility and that has been my conviction over the years.

*His Philanthropic Activities*

He is a finest gentleman with a kind heart and generous disposition.He does not have a Foundation through which he reaches out to the less privileged because he believes giving to people is a personal thing and does not require publicity. His argument has been that he is doing it for the sake of Allah, not for people to praise him, and that getting a reward for doing good is preregative of Almighty Allah.

This is unlike politicians; there is no way they can keep in secrecy if they render assistance. If they don’t say it out, oppositions would use that against them, that they have neglected the people after gaining their mandates. So it is easy for him to do it in his own way, because he is not a politician.

There are cases of where he has helped and those people would be the one to tell me much later. If he helps you the third person would not hear about it. Emphatically, he has been kind to me as well.

Ahmad Abdulkadir Firdaus does not allow his busy schedules to deprive him of the opportunity to reach out to people through associations. He is currently the Vice President II of Bayero University Kano Alumni Association, the national body. He is also the Vice Chairman of Ilorin Emirate Descendants Progressive Union (IEDPU), Kano Branch. He is a Patron of Ilorin Emirate Students Union, BUK Chapter.

He is a detribalized Nigerian; his hand of fellowship spreads beyond his tribes and associates.

*His business sojourn*

Firdaus joined Royal United Nigeria Limited in Lagos State in 2007. He was later transferred to Kano office where he rose from the position of Accounts Assistant to become Regional Manager, North. In his words “I joined Royal United Nigeria Limited in 2007 through my Guardian, Dr. Abdullahi Jibril Oyekan”

Ahmed Abdulkadir Firdaus was born to the family of Alfa Ahmad and Hajia Halima of Ile Machine, Oju Ekun Oke, Adangba, Ilorin and grew up at Sebutu compound, Ilorin. He had his primary and part of secondary school education in Ilorin before proceeding to Lagos where he completed it. He is happily married with kids.

Below are his Educational background, Awards, and excerpts of the interview with him.

*Academic Qualification

In 2005 he bagged B.Sc. Economics from Bayero University, Kano with second class upper. He also obtained Master of Business Administration (MBA) in 2011 from the same institution. In 2006 he obtained Proficiency Certificate in Management and graduate member from the Nigerian institute of Management.
He became an Associate member , Institute of Chartered Economists in Nigeria (2006).

*Awards

Award of Excellence by Ilorin Emirate Descendants Progressive Union, IEDPU Northern Zone, 2023

Award of Excellence by BUK Alumni, Ilorin Emirate chapter, 2023

Award of Excellence by An-nur Islamic Organization, BUK, 2021

Award of Excellence by Ilorin -Ifelodun Social Group, Kano, 2021

Markazul Ulum Wal Maharif Islamic School Dei Dei, Abuja, 2020

Award of Excellence by National Association of Kwara State Students, BUK Chapter, 2019

Award of Excellence by Ilorin Emirate Youth Development Association, Kano, 2019

Award of Excellence by Ilorin Emirate Students’ Union, BUK, 2016

Certificate of Merit by National Youth Service Corps, Corps Welfare Association, Giginya Barracks, Sokoto, 2007

Merit Award (Chairman Fundraising) by Ilorin Emirate Students’ Union, BUK, 2005

Merit Award (Financial Secretary) by Ilorin Emirate Students’ Union, BUK, 2005

Merit Award (Member Fundraising) by Ilorin Emirate Students’ Union, BUK, 2004

Merit Award by Markaz Agege Alumni Association, BUK, 2003/2004

Al-Adabiyya Alumni Association, BUK, 2003/2004

Merit Award (Active member) Ilorin Emirate Students’ Union, BUK, 2002

*Interview Session*

What do you sell?

I sell different types/brands/sizes of Tyres and TableWater (HYDRO BLUE)

What could be the catalyst for your success in the business world?

Determination, patience, and passion can drive a business growth.

Nigerian economic challenges are enormous, but I always tell myself that if Dangote can do it, I can equally do with determination.

What advice do you have for upcoming entrepreneurs?

Business requires pragmatism, goal-oriented, and target. Including the culture of discipline

At the early stage of business, they must be available (full participation), adopt austere approach, have some level of accounting knowledge, and financial discipline.

They should understand that there is no shortcut to success; Rome was not built in a day.

Is it always rosy for your kind of business?

Not at all, like the Yoruba would say, a person that knows the day he would make plenty of sales might know the day of his death. Is just a saying nobody knows when he or she will die. No one can determine the day he or she will make enormous sales. However, business is unpredictable, most especially in the face of the current inflation that has influenced price instability.

It is obvious that even in the business world there are challenges but your ability to cope with its complexity and dynamism will determine how far you would go. This doesn’t rule out the significance of prayers as you weather the storm gradually. Our young men and women should cultivate the habit of sincerity and patience. Nothing good, they say, comes so easy. Get-rich-quick syndrome can’t be a way out of poverty but the road to doom. Patience is key to every facets of our lives just as Hausa saying “Hakuri maganin zaman duniyan”. Meaning patience is the key to successful life.

Firdaus, as a businessman is an example of those who would do their businesses diligently and would not surcharge the people.

He is in Kano, doing his business with utmost standard and excellent customer relations. Please patronise him for a life changing experience.

abdurraheemsaaddembo@gmail.com

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Opinion

Exposing the fraud in NASS budget-Jaafar Jaafar

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By Jaafar Jaafar

In an unprecedented budget fraud, the National Assembly has appropriated N370 billion on running costs, contingency, vague and duplicated projects for the Senate and House of Representatives in the 2024 Appropriation Act.

I’m not talking about the hundreds of billions of naira padded in other ministries, departments and agency, but what they budgeted for their welfare and running of the National Assembly.

In the N370 billion NASS budget, the lawmakers duplicated projects and created new, unnecessary projects that increased the budget from N170billion in 2023 to N370 billion this year.

In budget (under Statutory Transfers ), the NASS budgeted 36,727,409,155 for the National Assembly Office; N49,144,916,519 for the Senate; N78,624,487169 for the House of Representatives; N12,325,901,366 for the National Assembly Service Commission and; N20,388,339,573 for Legislative Aides.

A senator recently told me that each of them (and members of the House of Reps) is entitled to five aides, while the four presiding officers (Senate President, Speaker and their deputies) have at least 3,000 aides. In total, you are talking about over 5,000 aides!

Despite the foregoing, the NASS budgeted N30,807,475,470 for “General Services” and N15billion as “Service-Wide Vote” – known in administrative parlance as “contingency” or “security vote”. The NASS never had anything like service-wide vote in the past as “service-wide vote” is always exclusive to the Executive arm. Insiders said this is a clear case of budget padding as the purpose for the huge appropriations are vague.

Even the retired clerks and perm secs (despite receiving their pensions) are not left out in this public funds buffet as they got N1.2billion padded for them.

Apart from padding the intangibles, the NASS will spend N4billion to build recreation center; about N6billion to furnish committee rooms for the two chambers and; another N6billion to build car parks for senators and members (don’t ask me whether they lack any parking space).

And despite this, the lawmakers padded N30 billion in the FCDA budget for “Completion of NASS Chambers” and N20billion for “completion of NASS Service Commission”! In the same budget, the lawmakers set aside another N10billion (under NASS budget) for the completion of National Assembly Service Commission building! How did this happen? No be juju be dis?

Still hungry to devour public resources, the avaricious parliamentarians budgeted another N3billion for the “Upgrade of NASS Key Infrastructures”. How come? What about the N30billion budgeted for “Completion of NASS Chambers”?

NASS Library Complex, named after President Tinubu’s Chief of Staff, Femi Gbajabiamila, got N12billion as take-off grant and another N3billion for purchase of books.

Like other institutions under NASS, the National Institute for Legislative and Democratic Studies got N9billion without clearly stating how or where the resources will apply to. The same institute also got another N4.5billion (is this ‘jara’?) for completion of its headquarters.

Despite the dedicated powerline and powerful generators backing up power supply in the National Assembly, the lawmakers budgeted N4billion to install solar power system. I guess this will give them a reason to pad billions for the purchase of batteries every year.

The committee that superintended this butchery of public resources, the Appropriations Committees of the Senate and the House of Reps, got N200m each for a job well done.

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