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Kayi KMC Launches Micro Finance Headquarters in Kano, Aims for Global Reach

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Emir of Bichi,Kano and Saadina Dantata during the launch

Kano, Nigeria – The launch of the Kayi KMC Micro Finance application in Kano has marked a significant milestone in the financial technology sector. The innovative technology, designed to safeguard people’s deposits, is gaining momentum both locally and globally.

Speaking at the launch event, Saadina Dantata, the driving force behind Kayi KMC Micro Finance, emphasized the application’s core mission of protecting individuals’ savings. The wallet boasts robust security features, functioning as a second layer of protection. It seamlessly integrates with financial institutions worldwide, ensuring users’ financial security.

Dantata highlighted the versatility of the application, enabling users to purchase items such as recharge cards, data plans, and pay electricity bills. Additionally, it provides a platform for trading in various financial assets, including silver and commodities. Notably, Kayi KMC has acquired a significant stake, owning 50 percent of the company.

The impact of the Kayi KMC Micro Finance application extends far beyond Nigeria, with users worldwide numbering a staggering 33 million and counting. The global community’s interest reflects the growing demand for secure and efficient financial technology solutions.

Emir of Bichi, Nasiru Ado Bayero, spoke at the launch, expressing his belief that Kayi KMC would contribute to reducing crime rates. He recognized the necessity of such financial innovations, particularly in the context of current economic challenges.

Meanwhile, Emir of Kano, Aminu Ado Bayero, acknowledged the application’s potential to counteract financial decline and highlighted the remarkable successes achieved by the global economy. He emphasized the urgency of introducing such innovations in Kano and its surrounding regions, underscoring the significance of Kayi KMC’s efforts.

Abdulganiyu Rufai Yakubu, the product lead for Kayi KMC, shared insights into the application’s capabilities. He stated that Kayi KMC transcends conventional internet services, offering a broader spectrum of services, including insurance and healthcare. Furthermore, the application’s adaptability enables its operation in remote and underserved communities. The company’s ambitious goal is to extend its reach across the entire African continent, starting from Kano and expanding to four Northern states. Their vision includes making financial inclusion accessible to all Nigerians.

The launch of Kayi KMC Micro Finance has set a course for financial empowerment, security, and accessibility, not only for Kano but also for the broader Nigerian and African population.

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A New Era in Financial Innovation Begins”
KMC-KAYI Bank stands as a trailblazing financial institution headquartered in Kano, Nigeria,
with a resolute mission to reshape the financial landscape through innovative and secure digital
banking solutions. This visionary digital bank is deeply committed to augmenting financial
accessibility, fortifying security, and embracing a customer-centric ethos.
During his inaugural address, the Managing Director of KMC-KAYI Bank articulated that the
bank signifies more than just a financial entity; it embodies a catalyst for change, a gateway to
empowerment, and an emblem of security, agility, and customer contentment.
Addressing the unique features of KMC-KAYI Bank, Abdulganiyu Rufai, the Product Lead,
expounded, “At KMC-KAYI Bank, we harness the formidable potentials of web3 technologies to
fashion a seamlessly secure financial ecosystem. Our integration with top-tier cybersecurity
solutions guarantees the safeguarding of financial transactions against potential threats.”
“In the contemporary world, characterized by relentless swiftness, speed is of paramount
importance. Our cutting-edge ML server architecture empowers us to facilitate lightning-fast
transactions, enabling you to send and receive money with unmatched speed and unwavering
reliability,” emphasized Dr. Rufai.
Furthermore, Alhaji Saadina Dantata, Chairman of KMC-KAYI Bank, elaborated, “KMC-KAYI
Bank is poised to redefine modern banking by offering a comprehensive array of services.
Ranging from stock investments and insurance to loan facilities and a savings structure with an
exceptional return on investment, we cater to all your financial requisites under one roof.”
Dantata further expounded, “Our journey commences with inclusivity, targeting the unbanked
and underbanked segments of society, thereby ensuring access to financial services that were
hitherto out of reach. We also extend our services to the diaspora community, proffering cuttingedge cross-border payment solutions and supplying contemporary banking solutions for urban
professionals.”
The official opening of KMC-KAYI Bank was graced by the presence of esteemed dignitaries,
including His Royal Highness, The Emir of Kano, Alhaji Aminu Bayero, OFR, SP, who delivered
a heartfelt address said that He wished KMC KAYI well and assurred them of his full support
and that of the Emirate .
His Royal Highness also said “I am very optimists it will contribute immensely to the economic
and social well being of our people” before officially inaugurating KMC-KAYI Bank.
Also in attendance was His Royal Highness Mai Martaba Sarkin Bichi, Alhaji Nasiru Ado Bayero,
and he showed his excitement about the KMC-KAYI Bank , he explained that this platform will
help the people in terms of running their business, receiving payments and also an avenue for
creating job opportunities to the Kano population.
Kano State Elder Statesman and legendary Businessman, Maigirma Alhaji Aminu Alhassan
Dantata who was represented by Alhaji Tajudeen Dantata mentioned that “This a great.development for the people of kano and Nigeria at large, he called on his fellow business ment o accept KMC KAYI”

Recall that last week in Abuja, the Minister of Communications, Innovation and Digital Economy,
Dr. Bosun Tijani unveiled the Kayi App, promoted by KMC-KAYI Bank, which envisions a future where finance is not just accessible but also transformational.
The Kayi App is committed to enhancing financial inclusion through a customer-centric approach. Local agents are onboarding customers, promoting transactions, and boosting financial literacy. Next up: the launch of our efficient web app, followed by the mobile app release for an enhanced customer experience.

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Veteran Kano Broadcaster Lami Maccido Dies at 72

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A veteran Kano broadcaster who worked with the Kano State pioneer-owned television station, Lami Hafsat Maccido, has died at 72.

According to multiple sources, including veteran journalists, Hajiya Lami Hafsat Maccido died in the early hours of Wednesday.

She was among the pioneer casters of CTV 67, which is now ARTV, established by the first civilian Governor of Kano State, Late Alhaji Muhammad Abubakar Rimi.

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Before Hajiya Lami Maccido retired from the state television station, she captivated her audience with eloquent news presentation and was a role model for young journalists.

Tributes have continued to pour in for the late veteran journalist from her senior and junior colleagues.

Former Chairman of the Nigeria Union of Journalists, Kano Council, Abbas Ibrahim, described Hajiya Lami Hafsat Maccido as a very humble journalist who corrected her juniors with humility.

 

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Tinubu Signs Electoral Act Amendment Bill Into Law Ahead of 2027 Polls

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By Yusuf Danjuma Yunusa

President Bola Tinubu on Wednesday gave his assent to the Electoral Act 2022 (Amendment) Bill, 2026, a move that comes just days after the Independent National Electoral Commission (INEC) unveiled the official timetable for the 2027 general elections.

The signing ceremony took place at the Council Chamber of the Presidential Villa, Abuja, shortly after 5:00 pm. The event was attended by key leaders of the National Assembly, who facilitated the bill’s speedy passage a day earlier.

The newly signed amendment has thrust the contentious issue of electronic transmission of election results back into the national spotlight. While the legislation signals a continued commitment to technological integration, the specifics of the amendment are expected to shape the operational framework for INEC in the upcoming electoral cycle.

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Civil society organizations and opposition political parties have consistently advocated for the mandatory real-time transmission of results directly from polling units to INEC’s central viewing portal. They argue that such transparency is critical to safeguarding the electoral process, reducing human interference, and bolstering public confidence in election outcomes.

This demand follows the technical glitches experienced during the 2023 general elections, where the malfunction of INEC’s Result Viewing Portal (IReV) led to widespread allegations of manipulation and sparked protests.

While the ruling All Progressives Congress (APC) has expressed general support for deploying technology to enhance electoral integrity, the implementation strategy remains a point of contention. Some political stakeholders and technical experts are advocating for a cautious approach, citing significant disparities in network connectivity and telecommunications infrastructure across the country. They propose a phased or hybrid model that would allow for manual collation as a failover in areas where electronic systems are unreliable, ensuring that no voter is disenfranchised due to technical failures.

With the amendment now law, attention turns to the execution of the 2027 elections. According to the previously released INEC timetable, voters will head to the polls on Saturday, February 20, 2027, to elect the President and members of the National Assembly. This will be followed by the Governorship and State Houses of Assembly elections on Saturday, March 6, 2027.

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The Essence of Great Health During Ramadan—By Dr. Nelson Aluya

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Ramadan is far more than abstaining from food and drink. It is a sacred season of discipline, renewal, and elevation of the human spirit. For Muslims around the world, it is a month where the body, mind, and soul are aligned in purposeful worship. Observed as one of the Five Pillars of Islam, fasting during Ramadan nurtures taqwa (God-consciousness), strengthens self-control, cultivates gratitude, and deepens empathy for those in need.

As a physician serving patients from diverse racial, ethnic, and religious backgrounds for over two decades, I have spoken at numerous Pre—Ramadan Health Fairs and seminars for the last fifteen years, and have walked alongside many individuals seeking guidance on how to manage their health, take their medications and fast safely. I believe that Ramadan offers tremendous spiritual and even physiological benefits when approached with knowledge, preparation, and medical wisdom.

*The Divine Foundation of Fasting*
Ramadan occurs during the ninth month of the Islamic lunar calendar. Its obligation is rooted in the Qur’an:

“O you who believe! Fasting is prescribed for you as it was prescribed for those before you, that you may attain taqwa.”
— Surah Al-Baqarah (2:183)

The Qur’an further clarifies the period and purpose:

“The month of Ramadan in which was revealed the Qur’an, a guidance for mankind and clear proofs for the guidance and the criterion…”
— Surah Al-Baqarah (2:185)

Fasting extends from dawn (Fajr) until sunset (Maghrib) for 29–30 days, beginning with the sighting of the new moon. In 2026, Ramadan is expected to begin around February 18 or 19, depending on lunar observation.

The Qur’an also provides compassionate exemptions:

“…And whoever is ill or on a journey – then an equal number of other days…”
— Surah Al-Baqarah (2:185)

Islamic law exempts the ill, travelers, the elderly who cannot tolerate fasting, pregnant or breastfeeding women if fasting may cause harm, menstruating women, and children. This divine mercy underscores a foundational principle: preservation of health precedes ritual obligation when harm is likely.

*Ramadan: A Holistic Act of Worship*

The fast is not merely physical deprivation. It is moral and spiritual refinement.

The Prophet Muhammad (peace be upon him) said:

“Whoever does not give up false speech and evil actions, Allah is not in need of his leaving his food and drink.”
— (Sahih al-Bukhari)

Thus, Ramadan is:
– A purification of the soul
– A strengthening of discipline
– A cultivation of patience
– A renewal of gratitude
– A communal celebration through shared Iftar

*Preparing for Ramadan: A Physician’s Perspective*

Fasting without knowledge can be harmful. The body undergoes metabolic transitions during prolonged fasting:
– Glycogen( sugar)stores are depleted.
– Fat metabolism( breakdown) increases.
– Ketone bodies(chemical produced in place of sugar during fastin) are produced.
– Hormonal shifts occur (including insulin reduction and glucagon increase).
– Fluid balance ( Dehydration)changes in the absence of water

While many experience modest weight loss, others gain weight due to excessive caloric intake at Iftar.

Preparation must therefore be intentional.

*1.Know Your Health Status*

Before Ramadan, assess:
– Physical and mental health
– Level of daily activity
– Chronic medical conditions
– Nutritional needs
– Work demands
– Hydration capacity
– Medication schedules

*2. Schedule a Pre-Ramadan Medical Visit*

The “Visit — Your Doctor and You” is critical.

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A pre-Ramadan consultation should include screening or review of may have developed along the way:
– Diabetes
– Hypertension
– Heart disease
– Chronic lung disease
– Kidney disease
– Autoimmune conditions
– Cancer
– Pregnancy

For those who insist on fasting despite chronic illness, coordinated medical supervision is essential.

The Qur’an emphasizes balance:

“…And do not throw yourselves into destruction with your own hands…”
— Surah Al-Baqarah (2:195)

Health preservation is not a lack of faith — it is an expression of wisdom.

*Suhoor and Iftar: Strategic Nutrition*

*Suhoor (Pre-Dawn Meal)*
The Prophet encouraged Suhoor:

“Take Suhoor, for in Suhoor there is blessing.”
— (Sahih al-Bukhari)

A balanced Suhoor should include:
– Complex carbohydrates (oats, whole grains)
– Lean protein (eggs, legumes, yogurt)
– Healthy fats (nuts, olive oil)
– Adequate hydration
– Limited salt to reduce thirst.

*Iftar (Breaking the Fast)*

Traditionally, the fast is broken with dates and water, following the practice of the Prophet. Dates provide:

– Natural sugars for quick glucose replenishment
– Fiber
– Potassium
– Antioxidants

However, moderation is key. Heavy fried foods, excessive sweets, and large portions often lead to:

– Weight gain
– Blood sugar spikes
– Gastric distress
– Sleep disruption

Ramadan should not become a festival of overconsumption. The Qur’an reminds:

“…Eat and drink, but do not be excessive. Indeed, He does not like the excessive.”
— Surah Al-A’raf (7:31)

*Medication Management During Ramadan*

Medication timing often requires adjustment:
– Once-daily medications may shift to Iftar.
– Twice-daily regimens may need restructuring.
– Insulin dosing requires individualized modification.
– Diuretics ( water pills)may increase dehydration risk.
– Certain medications cannot be safely delayed.

Never adjust medications independently. Collaborative planning between patient and physician is essential.

*Who Should Not Fast?*

The Qur’anic exemption in Surah 2:185 is both clear and compassionate.

Those advised not to fast include:
– Uncontrolled( Sugar) diabetics
– Advanced heart failure patients
– Severe chronic kidney disease
– Active cancer patients undergoing therapy
– Frail elderly individuals
– High-risk pregnancies

Faith is not measured by physical endurance but by sincerity and obedience. For some, abstaining from fasting is the true act of submission.

*Mental and Spiritual Health During Ramadan*

– Ramadan strengthens psychological resilience:
– Structured routine enhances discipline.
– Night prayers (Taraweeh) improve communal bonding.
– Increased charity fosters empathy.
– Qur’an recitation enhances reflection and calm.

Scientific literature( Books ) ,increasingly recognizes that mindful fasting, spiritual meditation, and communal connection improve emotional regulation and stress resilience.

*Community, Compassion, and Character*

Ramadan is a communal equalizer. Rich and poor experience hunger together. Shared Iftar meals strengthen bonds across socioeconomic lines.

The Qur’an emphasizes generosity:

“And they give food in spite of love for it to the needy, the orphan, and the captive…”
— Surah Al-Insan (76:8)

True health is not merely biological — it is relational, spiritual, and ethical.

*The Balance Between Faith and Medicine*

As a physician who has cared for thousands of patients across cultures and beliefs, I have learned that faith and medicine are not adversaries. They are allies.

Ramadan teaches restraint. Medicine teaches prudence. Together, they preserve life.

The essence of great health during Ramadan lies in:
– Spiritual awareness
– Medical wisdom
– Nutritional balance
– Disciplined moderation
– Compassion for oneself and others

When approached correctly, Ramadan becomes a month of metabolic recalibration, spiritual elevation, and communal unity.

*My Spiritual Reflection*

Ramadan is not a test of starvation — it is a training of the soul.

It refines character. It disciplines appetite. It strengthens gratitude. It elevates consciousness.

And when practiced with knowledge and preparation, it can nurture both spiritual vitality and physical well-being.

“…Allah intends for you ease and does not intend for you hardship…”
— Surah Al-Baqarah (2:185)

May this Ramadan be one of wisdom, balance, safety, and profound renewal amin.

— Dr. Nelson Aluya

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