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ATM, Banks and Helpless Customers

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By Prof Yusuf Adamu

 

Automated Teller Machines otherwise known as ATM were designed to reduce stress on customers of banks seeking to withdraw money. ATMs provide services to card holders wherever they may find themselves. Some of us who know the cheque era can remember the frustrations customers experience collecting money especially at the end of the month when salaries are paid. Customers have to be given a tally because the queue is so long and chaotic. In the Nigeria’s characteristic manner of impatience, people shun the queue, reserve and even physically fight.

Some readers may remember one popular advert, I can’t remember for which bank where customers come to banks with their sleeping mat and that popular phrase ‘’give me my tally number’’ is still fresh in my mind. To make things worse, you can only cash money from the bank whose cheques you have. For instance, you can’t use First banks cheque to collect cash at UBA. If you are given a Unity Bank cheque you can only cash it at a Unity bank. Transfers take longer time, one have to use bank drafts etc.

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Today, many young people do not even know that people use cheques to cash money. Some months a go my ATM has experienced and I needed money, so I gave my son, a level three undergraduate student a cheque to cash and he was puzzled. What is this? I explained to him what a cheque is and he was surprised that one can use that paper and collect money. All he knows is the ATM card. It was an experience for him to cash money using a cheque.

During the pre-ATM era, people go to the bank once, twice or thrice in a month and manage their spending in such a way as to avoid going to the bank again until the coming month. That in some way helps customers to spend less and with some degree of discipline. It helps customers to ensure that they have cash at hand for every future transaction they may do because when the time comes the banks might be closed or the long queues may delay or stop the transactions. In that period, it is money on demand-like. The coming of the ATM changed all that.

When ATMs were introduced, many people hesitate to use them because they are scared of the technology and reliability of the cards. So it was started as a kind of a voluntary service. If you want, you apply and get one. As usual young people who see it as vogue started adapting the ATM before old people who are more used to the cheque system. But the Federal Government at the time was pushing for what it calls a cashless economy, even when many people including me feel it is too early to go fully cashless. Today, most bank customers have ATM cards, sometimes at request sometimes automatic. Even housewives have their ATMS and usually send someone to cash on their behalf, giving the cashier their pass word and all with no insurance.

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With an ATM gave us more freedom to cash money at will. It gives us the opportunity to do transactions using our computers or even mobile handsets. It gives us the freedom to withdraw money from any available ATM anywhere in the world. ATM cards created many opportunity we never thought possible. But they also come with their unique problems. Every new technology brings its challenges to people’s way of life. Just like mobile phones changed our lifestyles leaving us wondering how life will be without them (forgetting that we lived without them safely and well), so have ATM cards.

Here we are holding beautiful well designed cards that we can always use anywhere anytime to withdraw cash and do transactions with the available monies in our account. So, with our ATM cards today, we have changed the way we spend money. We no longer have to cash money in advance and keep because we can always cash money from the ATM. We spend more money now and spend more at shops that operate Point of Sale (POS) where one can use his card to pay for transactions. One doesn’t feel as much pinch when he uses ATM card as when he uses cash, so one can spend more using card.

The major challenges customers faces using the ATM cards include annoying phrases like dispense error, temporarily unable to dispense cash, the issuer is none cooperative, out of service and the ATM queues which are different from the banking hall queues. Let’s start with the quality of service provided. All the signboards of ATMs usually have 24/7 on them, meaning, available for 24 hours daily, 7 times a week. This shows that one can withdraw money any time we chose. But, is that so? Can we really get the money anytime anywhere? There are ATMs located in bank premises and some outside bank’s premises. It is understandable that you go to a non-bank premises ATM and fail to get money, but it is inconceivable that you fail to get money in a bank-premises ATM.

This is one aspect that bankers show most irresponsibility to customers. Bankers should know the frequency and quantum of withdrawals at different periods of the month and ensure that monies are made available at peak points-usually month end. What are their research units doing not to understand customers demand pattern? One can visit 10-20 ATMs and being annoyingly told temporarily unable to dispense cash. This attitude must stop, the Central Bank of Nigeria that is preaching and imposing this new innovation must come to the aid of customers. In some banks, the night watchmen at their own will or on instruction lock the gates of the ATMs at 10:00 pm while the signboard is still telling you that the ATM provides services 24/7.

There is also the problem of dispense error, I changed my bank because the could not get my monies back, I was debited a hundred thousand without dispensing and my bank could only get me 60,000 naira and for over four years today my 40,000 is still missing in action. In the new bank I transferred, it took me 43 days to reverse a dispense error of 20,000 naira. In fact, many people lose monies unnecessarily due to dispense error. I have no doubt that, if CBN is to commission a study on dispense error, it will find that Nigerians are loosing billions. Where are the monies going? No one is being punished.

Finally, I want to stop here with a call on the supervising agencies to come to the aid of customers. Customers pay for the services giving by banks and banks should be made more responsible to meeting customer’s needs. Severe punishments must be meted on erring banks that make customers suffer from their incompetence and neglect.

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Why I want To Rewrite Kannywood’s Playbook – Dan Hausa

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Kamilu Danhausa

 

By Saif Ibrahim, Kano

Who is Dan Hausa?

I am Kamilu Ibrahim born 31 years ago, but most people know me as Dan Hausa. I was born in Fagge, Kano State, and from the very beginning I knew I wanted to tell stories that reflect the realities of my people. I trained at the High Definition Film Academy in Abuja, SAE Institute, and also took part in the U.S. Embassy’s Filmmaking for Impact program. I join the fikm making industry and started directing in 2017 because I wanted full control over how my stories are told.

Can you tell us a bit about yourself and your journey into film directing?

My journey began with a love for storytelling—I started as a scriptwriter, then worked closely with experienced filmmakers before directing my first film. Over the years, I’ve learned that directing isn’t just about cameras and lights, but about understanding people, culture, and the power of narrative.

Growing up, I saw how films could educate and inspire people. In Arewa, cinema is more than entertainment—it’s a mirror of society. I wanted to use that mirror to reflect our values, challenges, and hopes. That desire to make meaningful films pushed me into directing.

What sets your work apart in today’s Kannywood?

For me, it’s about merging modern cinematic techniques with our Hausa cultural identity. I love bold visuals and tight storytelling, but I never want to lose that traditional heartbeat of my origin. My goal has always been to raise our production quality to international standards while staying true to our roots”, proof of that is clear in my current and biggest project, “Wata Shida.

How would you describe your directing style?

I like to call my style “realism with purpose.” I focus on authenticity—every scene, every performance, every frame must feel true to life. But I also ensure that there’s always a message, something the audience can take home and reflect on.

Can you highlight some of your notable works?

Sure, there is Wata Shida which is currently airing and has an overwhelming response from the public and the likes of Lulu Da Andalu a myth-inspired adventure series showing on AREWA24 and YouTube. YouTube pushed us to think bigger in terms of story and production. Mijin Hajiya earned me Best Director at the 2024 Kano Entertainment Awards, while Tataburza made waves at film festivals. Earlier films like Bakon Yanayi (2019) and my debut Kulba Na Barna (2017) helped me define my style. My latest project, Amaryar Lalle, starring Rahama Sadau, premieres August 2025 on Sadau Pictures TV. Each project is a step forward in showing what Kannywood can achieve.

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What awards and recognitions have you earned?

I have also been recognized by the Arewa5050 Awards and Kaduna International Film Festival (KIFF) for Lulu Da Andalu, which even won Best Indigenous Hausa Film. There’s also an AMVCA nomination for best Africanindigenous language , which is exciting because it means Hausa stories are getting wider attention.”

Who are your key collaborators?

Filmmaking is teamwork; TY Shaba has been a creative partner on several projects, especially on Lulu Da Andalu. I have WORKED with Rahama Sadau on Amaryar Lalle has been fantastic; she brings so much energy to the screen.”

What themes do you explore in your films?

I like telling stories where modern life clashes with traditional values—family conflict, cultural identity, gender roles. These are real issues in our society, and I try to explore them honestly but cinematically. I believe film should make people feel and also think.”

What is your next project?

I am working on Wata Shida Season 2, a story about a woman who enters a six-month sham marriage to protect her inheritance. It’s socially meaningful but also very entertaining. I will also continue with season 2 of “Amaryar Lalle.”

Can you tell us a little about your latest project?

This project is very close to my heart. It follows a young girl fighting to get an education in a society full of obstacles. Through her eyes, we see how family, tradition, and resilience collide, and how hope can survive even in the harshest situations.”

What inspired you to make this story?

Growing up, I saw so many bright young girls whose dreams were cut short just because they were girls. I felt a responsibility to tell this story—not as fiction, but as a mirror of what is happening around us.

How do you balance tradition and modernity in your work?

A: It’s about respect. I respect our traditions, but I also embrace new technology and ideas. In my films, I make sure traditional values are represented truthfully, while using modern techniques to improve production quality.

 

What challenges do you face as a director in Kannywood?

Budgets are often limited, and resources can be scarce. But the biggest challenge is sometimes societal misunderstanding of what we do as filmmakers. People forget that film is also an art form and a tool for change, not just entertainment.

Can you tell us your favourite project

Every project has its own special memory, but I’m proudest when a film sparks conversation or impacts people’s lives. For example, one of my recent films about youth unemployment led to community discussions and even small initiatives to help young people. That’s when I feel film is doing its job.

What advice would you give to aspiring directors?

Learn the craft—don’t rush. Watch films, study scripts, spend time on set even if it’s just to observe. Most importantly, stay humble and focused. Filmmaking is about patience, teamwork, and vision.

What should audiences expect from your upcoming projects?

Expect more powerful stories rooted in our culture, with better technical quality. I’m working on projects that tackle real societal issues, and I believe they’ll resonate with audiences not just in Arewa, but globally.

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Antenatal Care: Why some women misses several sessions

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By Aisha Muhammad Rabiu

 

In many parts of Northern Nigeria, antenatal care is a vital step in ensuring the health of both mother and the unborn child. Yet, an increasing number of women are neglecting this crucial stage of pregnancy, putting themselves and their babies at serious risk, hence the high infant, mother mortality rate.

 

Health experts have been warning that antenatal visits help detect pregnancy complications at its early stage, provide essential supplements for healthy mother/child development, and educate mothers on safe delivery practices. But for some women, they find antenatal care as a burden either due to poverty or lack of awareness based on cultural practices and beliefs. As such antenatal remains a neglected priority.

 

 

In Kadawa, Fatima Sani, a 28-year-old expectant mother, admits she has not attended a single session of antenatal since the start of her pregnancy. she said “It’s not that I don’t want to go, but the clinic is far from my house, and my husband says we should save the transport money for delivery day. I just pray Allah protects me and my baby.”

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From Dan Bare, Shago Tara precisely, Khairat a mother of 4 shares her reasons for not attending antenatal session even though she is fully aware that the session is very important to pregnant women. She said “I feel healthy, so I don’t see the need to go for antenatal. My mother gave birth to all her children at home without any clinic visits, and they all survived.”

 

In Rijiyar Zaki, Hadiza Mukhtar recalls her previous pregnancy, where she skipped antenatal visits entirely. “The nurses were rude to me when I first went. I decided I would not return. This pregnancy, I haven’t gone at all,” she confesses.

 

For Usaina Muhammad of Kurna, the problem is financial. “I can’t afford the registration fee, and I also have other children to feed. I know antenatal is important, but survival comes first.”

 

Meanwhile, Maryam Lawan of Layi Kaji reveals that misinformation has influenced her decision. “Someone told me that the iron tablets they give at the clinic make the babies grow too big, making delivery harder. So, I decided to avoid it altogether.”

 

Medical professionals emphasize that skipping antenatal care increases the risk of complications such as anemia, high blood pressure, infections, and even maternal or infant death. Dr. Ibrahim Musa, a gynecologist in Kano, warns: “We see many emergencies that could have been avoided if the mother had attended antenatal. Most of these cases arrive late, making it harder for the doctors to save lives.”

 

Experts and community leaders agree that raising awareness is key in addressing the matter. Antenatal care should be made more affordable, accessible, and culturally acceptable for all women. Religious leaders, health workers, and family members all have a role to play in encouraging expectant mothers to attend regular check-ups.

 

Neglecting antenatal care is not just a personal choice; it’s a public health concern that affects families, communities, and the future of the nation. Ensuring that every mother has the knowledge, resources, and support to seek antenatal care is a step toward a healthier society.

 

Aisha Muhammad Rabiu writes from Bayero University Kano (BUK) and she can be reached at Email: aishatama2020@gmail.com

Phone no.08084273341

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Rano’s Peaceful Legacy: More Than a Slogan, One Tragedy Won’t Define Us

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For decades, Rano Garin Autan Bawo has proudly stood as a symbol of peace and harmony in Kano State. It is a place where neighbors look out for one another, where disputes are settled through dialogue, and where diversity is met with respect—not resentment. In Rano, peace is not just a slogan—it is a way of life passed down through generations.

The tragic incident that recently occurred at the Divisional Police Station in Rano Local Government has deeply shaken our community. Known for generations as one of the most peaceful and united areas in Nigeria, Rano now faces the painful reality of an attack that led to the death of a Divisional Police Officer and the destruction of police property. This senseless act of violence goes against everything our community stands for and must not be seen as a reflection of who we are.

Rano has long been recognized for its peaceful spirit, tolerance, and respect for all. People from different backgrounds, religions, and cultures have lived side by side here in harmony. This didn’t happen by chance—it is the result of years of effort by our leaders, religious figures, and ordinary citizens who believe that our strength lies in our unity and diversity.

Our respect for law and order is deep-rooted. We understand the crucial role that security personnel play in keeping our community safe. The people of Rano have always appreciated the risks and sacrifices made by the police, military, and other agencies to protect lives and property.

Respect for the law here is not just about obeying rules—it’s about a shared belief in justice, fairness, and solving problems peacefully and legally. This belief has helped build a respectful and cooperative relationship between the police and the people.

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What happened at the police station is completely out of character for our community. The individuals who carried out this attack do not represent us. Their actions go against the values that have shaped Rano. We strongly condemn what they did and make it clear that their behavior does not reflect who we are.

The loss of the Divisional Police Officer is not just a blow to the Nigeria Police Force or the Kano State Police Command—it is a loss for all of us. He wasn’t just doing his job; he was part of our extended family. His death is an attack on the peace and security that we all hold dear.

We send our deepest condolences to his family. No words can ease the pain of losing a loved one in such a brutal way. Our thoughts are also with his colleagues in the police force, who have lost a brother and a friend.

We also stand with the Kano State Police Command and the Nigeria Police Force as they face this heartbreaking loss. We understand how much this affects their morale, especially at a time when their work is more important than ever.

Destroying police buildings and equipment is not just an attack on law enforcement—it’s an attack on the very system that helps keep us safe. These facilities belong to the people and serve the entire community. Damaging them harms everyone, especially the most vulnerable among us.

We urge the government and relevant authorities to investigate this incident fully and fairly. Those responsible must be held accountable. Justice must be swift and uncompromised. Our community deserves to see the law upheld and the wrongdoers brought to book.

To our young people—the future of Rano—we ask for calm and reflection. We know that you may be frustrated or angry about many issues. But violence is never the answer. Taking the law into your own hands only brings more pain and setbacks for everyone.

Instead, we encourage our youth to focus on positive, constructive paths. There are peaceful, legal ways to raise your voices and push for change. Use those channels. Help move our community forward.

Rano must now focus on healing, rebuilding trust, and recommitting to the peaceful values that have always defined us. We must come together—young and old, leaders and citizens—to ensure that such violence never happens again.

We call on traditional leaders, religious figures, community elders, youth leaders, and all residents to stand united in promoting peace and respect for the law. Let’s strengthen our partnership with security agencies and support their efforts to keep us safe, while also holding them accountable to serve with respect and dignity.

How we respond to this tragedy will shape our future. Let us choose unity over division, peace over violence, and hope over despair. The actions of a few will not define us. We will protect the legacy of peace that Rano is known for and continue working together for a better tomorrow.

Buhari Abba wrote this piece from Unguwar Liman Rano.

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