fbpx
Connect with us

Features

ATM, Banks and Helpless Customers

Published

on

 

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.

Danmaje Foundation Trains Youth On Fish Farming,Other Skills

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.

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.

Features

Kano Women Battle for Bed Spaces at Major Hospitals, Leaving Many Stranded or Worse – Dead

Published

on

Baby Amina is yet to cry over a week after her birth, as no bed available at tertiary health facilities

Aisha Ahmad Ismail

It was a dark day for Malama Khadija, who despite heavy bleeding with no pads on has been on the road for almost 8 hours, seeking help for a baby that has not cried a day after birth even after visiting 9 hospitals in Kano.

The new mother was forced to ride in her husband’s tricycle, ignoring the dripping blood as they went to 9 hospitals, none accepted them for mainly reasons of bed space

Khadija birthed a girl on Monday, when health care workers at asibitin Bela noticed the child did not cry, and later referred them to Hasiya Bayero Pediatric Hospital for better access to professionals.

Here, a security guard asked them to ‘not waste their time’ as they do not care for children who did not cry at birth.

Other hospitals, the new parents visited Murtala Muhammad specialist where the father said the child was first checked, and her legs pinched with ‘something’.
They were later asked to leave for lack of bed space, and referred to another hospital.

The worried mother held the little girl now named Aminatu as they headed to Muhammad Abdullahi Wase Teaching Hospital. There, the doctors refused to attend to the child because they were on strike.

Malam Bala, the new father and a tricycle rider told this reporter that a police officer threatened to shoot a doctor for delayed attendance to his daughter born with similar condition to his. Doctors asked them to leave.

The brave new parents jostled the new born to another pediatric hospital; Sheikh Khalifa Isyaku Rabiu Pediatrics Hospital along Zoo Road, and their hopes were raised when a doctor started checking on her. A few minutes later, she came up with the same answer as the specialist hospital – no bed space.

Again, they left for Aminu Kano Teaching hospital with the help of a philanthropist they met on their long, hope dashing journey, Hajiya Binta and like before, there was no available bed space.

The parents, exhausted but not giving up on their child, went to a private health facility, where a bed space costs N10,000 per night, something the father said he could not afford if not for the charitable efforts of Hajiya Binta.

With her help, they paid for file N5,000, tests to be run on little Aminatu N6,000, drugs cost N15,000 and an injection N4,000.

He said they were able to spend just one night, as the expenses were much and he had to owe the hospital N21, 000.
Little Aminatu did not cry 7 days after her birth at which was the time of filing this report, and her parents are at home hoping one day, she would cry or stay quiet forever.

Khadija’s case is amongst the many maternal health related complications in the state; in Sept. 2022, a lady, Zainab lost her child and her life at Murtala Muhammad Specialist hospital; in February 2023, a woman now late Hajiya Shema’u Sani Labaran bled to death due to lack of cash at hand for treatments.
In 2024, an investigation by Solace base led to a whole community of women at Mazan Gudu community, Gabasawa LGA who survive pregnancy and childbirth on luck.

These are not isolated cases; but few of the many increasing preventable deaths at childbirth. According to UNICEF in 2018, Nigeria contributes 14% of global maternal deaths. The global body says at least 262, 000 babies die at birth, as the infant mortality rate stands at 69% per 1,000 births.

According to the National Health Care Development Agency 145 women die daily at childbirth in the country, with the highest figures coming from Northern Nigeria.

The staggering figures of maternal mortality and morbidity must have alarmed the Kano state government, leading to finding ways to ease the burden, amongst which is the creation of the Kano State Health Trust Fund created in 2017.
Women Die at Birth Despite Government’s Claimed Enhanced Funding
“I just returned from the burial of a woman who died from childbirth complications, the child is alive and hearty.”

This is the response of the Ja’en ward head, located at Sharada, Gwale LG, Isma’il Sa’ad Usman to the question of maternal mortality and morbidity is his domain.

He said he is not entirely sure why, but despite government’s interventions and NGOs, maternal deaths are not uncommon in many areas in Kano, including his.

Our trip to the primary health care in the area was really short, as health officers were ‘afraid’ of the media.

The Ja'en PHC was bustling with women hoping to get ante-natal care

The Ja’en PHC was bustling with women hoping to get ante-natal care

However, one officer who spoke briefly said women at the local level are wising up to accessing health facilities like theirs, adding that the state has trained officers enabling them to quickly refer to complicated births to higher facilities.
Interviews at some primary health care facilities reveal reduced death rates at the facilities.

A tour of Gwagwarwa primary health care showed women showing up for antenatal as health personnel move around to cater for their needs.

A health personnel at the facility who spoke on anonymously said though there are deaths at childbirth or after due to complications, they mostly occur at secondary and tertiary institutions or at home.

 

Image 3 . Women attending ante natal at Gwagwarwa PHC

Women attending ante natal at Gwagwarwa PHC

The health officer revealed that whenever a complication arises from birth, they are quick to refer to more qualified facilities, but lack of bed spaces of money for basic things make the patients return home, only to later die from preventable health complications.

According to the source, they have heard stories of deaths of either mother and child, or one of the two afterwards.

The village head of Gama, Malam Rabi’u Muhd Isyaku said people are poor, and have resorted to seeking help from Friday mosques or radio stations to treat maternal health problems.

He said there are reports of maternal mortality, but it hardly goes public as they are mostly recorded at home.

“I am always heart broken when I hear a plea for help to cater for a pregnant woman during or after birth,” he added.
Nurse Laments Maternal Mortality; Blames Shortage of Staff .

Nurse Maimuna works at one of the government hospitals in Kano, she said they have recorded deaths at different stages of childbirth.

She said they have recorded deaths due to obstructed labor and prolonged labor that comes late to the hospital.

The nurse added that some women labor (active labor) for 20-30 hours, contrary to the ‘normal’ hours, leading to eventual deaths of both mother and child, or just the child.

Nurse Maimuna lamented how they are overwhelmed with patients that they skip women who are in need in urgent help or C-section.

She has witnessed few women die due to work overload that distracts health personnel at tertiary some institutions.
KHETFUND: Improved Maternal Health Care Promises Fulfilled?

In 2017, the Kano government led by former Governor Abdullahi Umar Ganduje championed the State Trust Fund to help augment the state budget on health, including maternal and newborn health.
Speaking with this reporter, the former state health commissioner, Dr. Aminu Ibrahim Tsanyawa said the law mandates 5% of the fund’s money to the health sector.

He said from the time of Governors Rabi’u Musa Kwankwaso to Malam Ibrahim Shekarau and Abdullahi Ganduje, there has been a free birth and post birth policy which all governments sustained irrespective of political ideologies.

Former health commissioner Kano, Dr. Aminu Ibrahim Tsanyawa

Former health commissioner Kano, Dr. Aminu Ibrahim Tsanyawa

However, there are times when the budget funds are not released on time, or the government is starved of cash, thus the 5% of the fund to ensure the maternal and childbirth ‘always’ gets the necessary attention and funds.
.
Also speaking with this reporter, the director operations, KHETFUND, Dr. Muhamad Lawan Adamu said the 5% for maternal and children is on standing order and has never been delayed, unlike funds meant for hospitals- from primary to tertiary, institutions and others.

According to him, the 5% is handed over to the Kano Hospitals Management Board monthly.

According to another official of KHETFUND, Hamisu Abubakar who is the director admin and services, there has been constant cash flow into the fund from the mandatory 5% monthly IGR and 1% from LGAs allocation since the inception of the current Abba Kabir Yusuf administration, signaling that the fund is not starved of funds.
.
KHETFUND Budget Performance
The Kano State Health Care Fund mandates that 50% of the budget be allocated to hospital (Pri, Secondary and Tertiary), 25% to health education institutions 2% to running of the fund, 2% to the vulnerable groups, 5% to maternal health care.

Kano budget performance shows low performance of the KHETFUND; however, this does not affect the 5% maternal health care fund as confirmed by officials of KHETFUND.

The 1st quarter of 2024 budget shows 0% performance of the budget despite the allocation of N800,000,000 to the fund as shown on page 7.

With a budget of N1,200,000,000 in 2023, the fund recorded only 2.1% budget performance, also as seen on page 7 of the document.

With a budget of N1,400,000,000 in 2022, KHETFUND had a 5% budget performance as seen on page 6 of the budget performance document.

YEAR
AMOUNT
PERFORMANCE %

2024
N800m
0%

2023
N1.2bn
2.1%

2022
N1.4bn
5%

Source: Kano budget performance documents

The low performance, according to a KHETFUND official, is not unconnected to the fact that hospitals and institutions do not write to the fund requesting for their needs.

Dr. Muhamad Lawan Adamu, director operations of the fund said they disburse funds only when requested and after due process – with the exception of the maternal health 5% of course.
Despite 5% KHETFUND Maternal Allocation, Why Maternal Health Crisis?
A trip to the Kano Hospital Management Board as directed by the Kano State Health Ministry through the spokesperson, Ibrahim Abdullahi led me to the office of the officer in charge KHETFUND at the board.

He however refused to speak for ‘lack of authorization’ to speak with the media on the issue.

Another trip to the board revealed that the 5% fund from KHETFUND was received regularly. Speaking anonymously, an official said there are many factors for persistent problems with maternal health in Kano.

The first issue the official raised was that the fund was only meant to ‘augment’ needs in the sector, and this will be based on request.

The second problem the official noted was lack of enough doctors/health personnel to man any additional bed or space at the hospitals thus the fund was used to purchase drugs and all other valuables/instruments, including for CS to care for pregnant women and the babies.

NGOs Worry Over Shortage of Bedspaces, underutilization of PHCs
Sanusi Hashim, is the contact person for Society for Child Support and Economic Empowerment, he said they are worried by widely reported maternal deaths despite increased funding and positive government policies.

According to him, many factors are responsible for the trend including
Under utilization of PHCs; According to the officer, they have come to understand that most pregant women would rather go to the ‘bigger’ hospitals that the Primary Health Cares within their locality. Though some PHCs are in terrible conditions, many have been improved to even carry out Cesarean Sections should the need arise. He said these could have eased pressure on the secondary and tertiary health facilities in the state, reduce mortality rate further and provide adequate health care to both mother and child – free of charge.

Lack of bed spaces: Due to the inflow of patients from all 44 LGAs in Kano, Mr. Hashim Sa’id there is congestion and lack of space. He revealed that a tour to one of the tertiary hospitals; Abdullahi Wase Teaching Hospital showed no bed space available to cater for more patients. This he said.

NGO Provides Additional Solutions to Maternal Mortality and Morbidity
Society for Child Support and Economic Empowerment said there is urgent need for government to equip, upgrade and provide adequate personnel at ‘all’ primary health care centers in the state.

The contact person, of the organization, Sanusi Hashim says this will take excellent health care to the doorstep of the masses in all LGA, thus reduce pressure on the secondary and tertiary institutions.

After that, he advocates for intensive campaign on the importance and need for pregnant women to patronize PHCs in their areas.

Sanusi also called on the Kano State Government to increase wards and bed spaces at all health facilities.
On their parts, traditional leaders at Sharada Ja’en and Gwagwarwa seek increased funding and special packages for the poor in the society.

 

 

#
Continue Reading

Features

How Maryam Abacha Varsity Produced 5 Provosts of Nursing Colleges, 1,000 Lab Scientists, 100 Lawyers, Others in 12 Years

Published

on

 

Twelve years after its establishment, the Maryam Abacha American University of Niger (MAAUN), in Maradi, Niger Republic, has produced five Provosts of Nursing Colleges in Borno, Yobe, and Bauchi States.

Dr. Hadiza Sabo a graduate of Nursing from the University is the current Provost of Shehu Sule College of Nursing and Midwifery, in Damaturu, Yobe state.

Varsity Appoints Gombe Emir As Chancellor

Equally, Dr. Hadiza Yahya is serving as Provost, College of Nursing Sciences in Maiduguri, Borno state, while Dr. Rakiya Saleh is the Provost College of Nursing Sciences in Bauchi, Bauchi state. The trio of Rakiya and the two aforementioned Hadizas all bagged their first and postgraduate degrees from MAAUN.

In addition, Kiloh Nifor who is also the Provost, College of Nursing Sciences in Jalingo, Taraba state, and Dr. Yusuf Bello, the Provost, Kaduna State College of Nursing Sciences, are also alumni of the university.

MAAUN, which was founded in 2013, is owned by Professor Adamu Abubakar Gwarzo, a philanthropist and French Linguistics scholar.

Politics Digest also reports that the Faculty of Law of the premier Ivory Tower, established only in 2015, has produced over 400 law graduates, with more than a hundred of them already called to the Nigerian Bar.

In addition, over 1,000 Medical Laboratory Scientists produced by MAAUN are presently working in Nigeria, while no fewer than 700 of them are practicing abroad.

#

It would be recalled that the institution was the first to offer a Bachelor of Science degree in Nursing in Niger Republic, where thousands of nursing officers trooped for their university education from different countries.

“The Nursing Degree programme greatly increased the number of nursing graduates in Nigeria. The university started offering Nursing in 2012 and has so far graduated over 2,000 graduates who are rendering their services at different hospitals in Nigeria and abroad,” said the university’s President, Prof. Adamu Abubakar Gwarzo.

Barrister Umar Isa Sulaiman, a law lecturer at MAAUN, while informing Politics Digest that their Faculty commenced academic activities in 2013, said: “Our graduates are working in different government agencies and parastatals. Some are Sharia Court Judges, Magistrates, and some are working in the Supreme Court of Nigeria.

“Also, a high number of our graduates are in private practice. We do meet and appear before different courts. I can categorically tell you that they are doing wonderfully well as advocates.”

Furthermore, the Prof. Adamu Gwarzo-owned university has been positively impacting the lives of several Nigerians.

A MAAUN graduate of Nursing, Hamisu Iliyasu, who hailed from Sokoto State, told this newspaper how his alma mater produced many Directors and Heads of Nursing Colleges in Nigeria.

“You know universities in the North don’t offer Nursing; you either go to the South or you end up retiring at Level 14 as a civil servant. But our prestigious Maryam Abacha American University came to the rescue of so many of us, and we are grateful,” he said.

According to Dr. Kabiru Mahmud, a staff member of the Medical Laboratory Sciences Department of MAAUN, “Our great and pace-setting university has helped increase the number of Medical Laboratory Scientists, not only in Northern Nigeria but in the country at large. We have students from across the country.

“Some came from Lagos, Benin, and Ibadan. I can categorically tell you that Maryam Abacha American University of Niger has the highest number of young Medical Laboratory Scientists in Nigeria.

“Before now, one could hardly find someone with a degree in this field, but only a Diploma. But MAAUN came and provided the opportunity to many undergraduates. Go to Federal Medical Centres across the country, and you will find it difficult counting the number of their staff who are our products.”

Checks by this newspaper further revealed that some MAAUN alumni are presently working at the National Hospital in Abuja and the Mallam Aminu Kano Teaching Hospital, AKTH, in Kano state.

The university according to findings has the highest number of Nurses working in Canada, USA and other foreign countries from West Africa.

Continue Reading

Features

Hotoro Residents Threaten to Vote Out Leaders in 2027 Over Dilapidated Road

Published

on

The untarred and dilapidated road

Residents of Hotoro in Kano State are voicing their growing frustration with local and state leaders over the deplorable condition of a key road in their community. In interviews with Nigerian Tracker, the residents expressed deep dissatisfaction and issued a warning that they may withhold their votes in the 2027 elections if their concerns continue to be ignored.

Shehu Usman, a long-time resident of Hotoro, articulated the sentiments of many in the area. “Our area is a vote bank, not just in Nassarawa Local Government but across the whole of Kano State,” Usman said. “Yet, the road is no longer passable in both the rainy and dry seasons, and those we elected—from the Governor to the Chairman and even the legislators—seem not to care about the deplorable state of this road.

The road in question, which remains untarred, stretches from the Ring Road around Nur Petroleum Junction, passes through Hotoro Primary and Secondary Schools, and ends at the Hotoro Police Division. The poor state of the road has been a long-standing issue, but despite repeated complaints, nothing has been done to address it.

Iliya Musa, another concerned resident, lamented that politicians only seem to care about the community during election season. “During election season, politicians flock to our area, making promises and shaking hands. But once they are in office, they turn a deaf ear to our problems,” Musa said. “This road could easily be constructed, but our leaders have ignored us, and now, it feels like the area is turning into a slum.”

As 2027 approaches, the residents of Hotoro are making it clear that their votes will not be taken for granted. If their elected leaders fail to address the worsening conditions in the community, they may face a harsh electoral backlash from a constituency that has had enough of broken promises.

#

Continue Reading

Trending