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Bridging The Gap:KAYI Microfinance Bank’s Innovative Community Engagement Initiative Using Tsangaya (Almajiri)Schools As A Model In Northern Nigeria

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By Rabiu Alhasan Elkanawi

KAYI Microfinance Bank has unveiled a groundbreaking digital financial inclusion program focused on Tsangaya Schools (commonly known as Almajiri schools) in Northern Nigeria. This visionary initiative is designed to bridge the gap between underserved communities and the digital banking system, thereby fostering economic growth and societal development. By targeting these non-formal learning centers, the bank aims to uplift remote communities where many residents have long struggled to access essential financial services.
Northern Nigeria has traditionally faced significant hurdles in achieving comprehensive financial inclusion. Vast distances, poor banking infrastructure, and a lack of trust in formal financial institutions often discourage many people from engaging with banks. Recognizing these challenges, KAYI Microfinance Bank is piloting a model that trains and equips Tsangaya schools starting with four states—Kano, Katsina, Kaduna, and Jigawa—to serve as community champions for digital financial access.

Under this initiative, each participating Tsangaya school receives a robust package valued at five million Naira, comprising comprehensive business management and financial literacy training, POS device and startup funds. By bringing deposit, withdrawal, and fund transfer services closer to the grassroots, the program significantly reduces the physical distance many have to travel to conduct everyday transactions. This localized approach not only boosts trust in formal banking but also enhances local economies by circulating money within the community.

A hallmark of this program is its strong emphasis on education and empowerment. KAYI Microfinance Bank collaborates with malams (teachers and overseers of Tsangaya schools) and their students (almajirai) to ensure they acquire relevant skills in financial literacy, business management, and customer service. Rather than simply providing technology, the bank invests in the human capacity necessary to maintain and grow these new cash point businesses. Over time, Tsangaya schools become pivotal economic hubs in their neighborhoods, directly addressing issues such as street begging by offering pathways to self-reliance and entrepreneurship.

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What sets KAYI’s effort apart from other financial inclusion drives is its clear focus on integrating community development with formal financial systems. By rooting its training programs in the cultural and educational fabric of Tsangaya schools, KAYI fosters a spirit of ownership among participants. Almajirai and malams, who once had limited exposure to modern banking, now find themselves operating as financial intermediaries. Their schools become not just places of learning, but also platforms for sustainable business ventures that transform their local communities.

The success of this laudable initiative, also relies on support from policymakers and government agencies. Government can amplify the program’s reach by providing subsidies and interventions through this grassroots program. This will help replicate and scale this model across other parts of Northern Nigeria.
KAYI Microfinance Bank’s approach offers a powerful template for bridging the gap between remote communities and the wider financial ecosystem. By merging technology, education, and cultural sensitivity, the bank is forging a pathway for inclusive economic participation, one that could reshape the socio-economic landscape of Northern Nigeria. Rural dwellers, who once had little or no access to formal banking, can now save money safely, receive funds without traveling long distances, and even invest in small enterprises.

As the project evolves, it promises to be a catalyst for reducing poverty, curtailing unemployment, and spurring local entrepreneurship. By presenting Tsangaya schools as models, KAYI is demonstrating that even the most marginalized communities can embrace innovative financial solutions when they are carefully tailored to their unique needs. This marks a new chapter for Northern Nigeria, where financial inclusion is no longer a distant aspiration but an attainable reality—one that holds the promise of a more equitable and prosperous future for all.

Rabiu Alhassan Elkanawi writes from Kano and he can be reached via alhassanelkanawi@gmail.com

 

Opinion

The Rise of AI Delusion: A Student’s Perspective on How AI is Reshaping Relationships, Mentorship, and Counselling

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Modern campus life is undergoing a quiet but profound psychological shift. If you walk into any university hostel or library late at night, you will see students intensely staring at their screens. They are not just scrolling through social media or typing out assignments; many are having deep, highly personal conversations with artificial intelligence. Faced with intense academic pressure, social isolation, and a volatile job market, students are increasingly treating generative AI chatbots not just as functional engines, but as emotional lifelines.

This emerging phenomenon highlights what can be called the “AI Delusion”—the psychological tendency for users to attribute real human consciousness, genuine empathy, and authentic wisdom to automated language models that are simply predicting words based on statistical data. From a student’s perspective, this reliance is quietly reshaping the three foundational pillars of the higher education experience: interpersonal relationships, academic mentorship, and mental health counselling.

First, AI is radically changing the landscape of campus relationships. Loneliness remains a massive hurdle in student environments, prompting many undergraduates to turn to AI companion applications for immediate interaction.

These applications are available 24/7, never judge, and offer a simulated space of comfort. However, the delusion occurs when a student confuses this simulated, one-sided validation with a real, reciprocal relationship. While data on conversational AI shows these tools can temporarily lower perceived feelings of isolation, psychologists confirm they do not resolve structural clinical symptoms. Human relationships are naturally messy. They require conflict resolution, compromise, and mutual vulnerability. By retreating into digital relationships with chatbots, students risk letting their real-world social skills atrophy, making genuine human interaction feel too exhausting to pursue.

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Second, the delusion is altering the nature of academic and career mentorship. Guidance traditionally came from professors, older peers, or university alumni who shared lived experiences, industry networks, and personal failures. Today, students frequently bypass this human network entirely, asking AI to evaluate their skills and map out their professional futures. While generative AI tools excel at formatting resumes or providing structured career advice, they carry a high risk of user over-reliance.

Educators confirm that automated tools fundamentally lack the nuanced relational, situational, and developmental depth that defines authentic human mentorship. Students who depend solely on automated advisors miss out on the critical “hidden curriculum” of professional networking and human intuition that an algorithm simply cannot simulate.

Third, and perhaps most critically, AI is transforming mental health counselling on campus. University wellness centres globally face extreme backlogs, high costs, and institutional bottlenecks, forcing students to look for alternative solutions. Consequently, an increasing number of youth now utilize AI chatbots as standalone “pocket therapists” to process anxiety and trauma. The delusion of the digital counsellor poses serious psychological risks. Large language models do not possess clinical judgment or genuine empathy. Medical experts warn that while evidence-based digital therapy apps can serve as helpful administrative or basic self-help scaffolds between sessions, they cannot substitute for a qualified human therapist. Relying on pattern-recognition robots during a severe psychological crisis can result in superficial coping mechanisms or dangerously isolated coping loops.

Ultimately, analyzing this trend from a student’s perspective reveals that technology must have strict emotional and practical boundaries. AI is an incredible tool for brainstorming, accelerating research, and enhancing productivity, but it becomes a delusion the moment we allow it to replace human depth. If our generation is to thrive in a digital future, we must treat AI as a bicycle for the mind rather than a replacement for the human heart. True growth, emotional resilience, and professional success will always require real human connections, authentic mentors, and real human empathy.

Adeyemi Ige Taiwo Oluwatosin
200-level student, Department of Development and Strategic Communication, University of Abuja.

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Opinion

Question Over Killings, Kidnappings, and Bandit Attacks: What Exactly Will Homeland Security Change?

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Abraham Victory

 

By Abraham Victory

When more than forty schoolchildren were abducted during coordinated attacks on schools in Borno in May, Nigerians were reminded of one of the country’s darkest security nightmares: the return of large-scale school kidnappings.

Only weeks later, reports emerged of fresh bandit attacks in Zamfara, where farmers were killed while working on their farmlands. Across parts of Benue and the Middle Belt, communities continued to mourn victims of deadly attacks that left many families displaced and fearful about what tomorrow might bring.

For ordinary Nigerians, these incidents are no longer isolated headlines. They have become symbols of a broader security crisis that has persisted despite the presence of numerous security agencies and repeated government reforms.

It is against this backdrop that President Bola Ahmed Tinubu’s creation of the office of Special Adviser on Homeland Security deserves serious public scrutiny.

The appointment has generated debate among security experts, policymakers, and citizens alike. Supporters argue that Nigeria’s growing internal security challenges require specialised attention. Critics worry that the country may be creating another layer of bureaucracy without addressing the real problem.

The question Nigerians should be asking is straightforward: Would another office have prevented these attacks?

The answer depends on how one understands Nigeria’s security challenge.

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Take the recent school abductions. The issue was not the absence of security institutions. Nigeria already has the military, police, DSS, civil defence, intelligence agencies, and the Office of the National Security Adviser. The challenge was whether intelligence was gathered early enough, shared effectively, and acted upon before the attacks occurred.

The same question applies to the recurring attacks in Benue and the resurgence of bandit activities across the North-West. In many cases, local communities claim warning signs existed before attacks occurred. Yet security responses often arrived after lives had already been lost.

This suggests that Nigeria’s greatest security challenge may not be a shortage of institutions but a shortage of coordination.

The Office of the National Security Adviser was created precisely to address this problem. The NSA coordinates intelligence activities, advises the President on security matters, and facilitates cooperation among agencies. If Homeland Security is established as a parallel structure with overlapping responsibilities, the risk is that coordination problems could become even more complicated rather than less.

Who receives intelligence first? Who coordinates domestic threat responses? Who bears responsibility when security failures occur?

These questions matter because effective security management depends on clear authority and accountability.

None of this means Homeland Security is unnecessary. The recent wave of kidnappings, bandit attacks, and mass killings demonstrates that Nigeria’s internal security challenges require specialised attention. However, specialisation should strengthen coordination, not weaken it.

A Homeland Security structure can add value if it operates under the strategic framework of the National Security Adviser, focusing specifically on domestic threat management, emergency preparedness, critical infrastructure protection, and internal intelligence integration.

What Nigerians need today is not another competition among security institutions. They need a system capable of preventing the next school abduction, stopping the next bandit attack, and protecting the next vulnerable community before tragedy occurs.

The success of Homeland Security will therefore not be measured by the title of the office or the prestige of the appointment.

It will be measured by a far simpler standard: whether fewer children are kidnapped, fewer communities are attacked, and fewer Nigerians lose their lives to insecurity.

That is the question the government must answer, and it is the result Nigerians deserve.

Abraham Victory
Department of Development and Strategic Communication
200 Level
Abuja, Nigeria

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Opinion

The Prophet’s Mosque, Al-Rawdah, and the Inner Peace of the Visitor’s Mind

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By Abubakar Dangambo

Madinah Al-Munawwarah, the radiant city of the Prophet Muhammad (peace be upon him), occupies a unique place in the hearts of Muslims across the world. Located about 450 kilometers from Makkah, it is a city of peace, spirituality, and immense historical significance. For millions of believers, visiting Madinah is not merely a journey; it is the fulfillment of a lifelong dream.

Unlike many great cities of the world that are known for their skyscrapers, industries, or commercial activities, Madinah is known for something far more precious—tranquility. The moment a visitor enters the city, he is greeted by an atmosphere of calmness and serenity that is difficult to describe in words. The city seems to embrace every visitor with a sense of comfort, reminding them that they are walking on land blessed by the presence of the Messenger of Allah (peace be upon him).

At the heart of Madinah stands the magnificent Prophet’s Mosque (Al-Masjid An-Nabawi), one of the holiest sites in Islam. Within its sacred boundaries lies the house of the Prophet Muhammad (peace be upon him), where he spent much of his life and where he is buried alongside his beloved companions, Abu Bakr As-Siddiq (RA) and Umar ibn Al-Khattab (RA).

The first time I entered Madinah and subsequently stepped into the Prophet’s Mosque to observe the Maghrib and Isha prayers, I was overwhelmed with emotion. Words failed me. My eyes filled with tears of joy and gratitude. For years, I had dreamed of visiting this sacred place, and suddenly I found myself standing within its walls.

As I joined thousands of worshippers in prayer, an indescribable feeling settled over me. My mind became calm, my heart found rest, and my entire body felt a comfort unlike anything I had ever experienced. It was as though every burden and worry had been lifted away. The peaceful atmosphere of the mosque, combined with the spiritual presence of the place, created a feeling that remains unforgettable.

Although we arrived in Madinah late at night from Jeddah, I could hardly wait for dawn. Immediately after the Fajr prayer the following morning, I hurried back to the Prophet’s Mosque to visit the resting place of the Prophet Muhammad (peace be upon him) and his noble companions.

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Standing before the sacred chamber was one of the most emotional moments of my life. Tears flowed freely as I thanked Allah Almighty for granting me the opportunity to fulfill a dream I had cherished for many years. I offered my greetings and salutations to the Prophet (peace be upon him), Abu Bakr (RA), and Umar (RA), praying that Allah would count me among those who sincerely love and follow their noble example.

Another unforgettable experience was praying in Al-Rawdah, the blessed area between the Prophet’s pulpit and his house. The Prophet (peace be upon him) described it as a garden from the gardens of Paradise. Every Muslim who enters Al-Rawdah feels a special connection to history, faith, and spirituality. Being in that sacred space filled me with gratitude and humility. I spent those precious moments in prayer, reflection, and remembrance of Allah, thanking Him for His countless blessings.

What makes Madinah even more remarkable is not only its sacred sites but also the character of its people. The residents of Madinah are widely known for their kindness, hospitality, and respect for visitors. Whether in the streets, markets, hotels, or around the mosque, one encounters smiles, warm greetings, and genuine willingness to help.

The hospitality of the people reflects the legacy of the Ansar—the noble residents of Madinah who welcomed the Prophet Muhammad (peace be upon him) and his companions during the Hijrah. That spirit of generosity and care continues to live on in the city today. Visitors from every race, language, and nationality are treated with respect and dignity, making them feel at home despite being far from their own countries.

Walking through the streets of Madinah is itself a memorable experience. The city is remarkably clean, organized, and peaceful. Around the Prophet’s Mosque, worshippers from every corner of the world gather in unity, demonstrating the universal brotherhood of Islam. Despite the diversity of cultures and languages, everyone is united by the same faith and love for Allah and His Messenger.

My stay in Madinah lasted only two days before I departed for Makkah to commence the rites of pilgrimage. Yet those two days remain among the most cherished moments of my life. The joy, comfort, spiritual fulfillment, and inner peace I experienced are memories that can never be erased.

Even now, whenever I reflect on those blessed days, my heart longs to return. Madinah is not simply a city one visits; it is a city that captures the soul. Its beauty lies not only in its buildings or landmarks but in the tranquility it offers, the history it preserves, and the spiritual connection it nurtures.

As I conclude this reflection, I pray that Allah, the Most Merciful, grants me another opportunity to visit Madinah and the Prophet’s Mosque. I also pray that every Muslim who desires to visit the blessed city will one day be granted that privilege.

May Allah continue to shower His peace and blessings upon our beloved Prophet Muhammad (peace be upon him), his family, his companions, and all those who follow his guidance until the Day of Judgment.

Ameen.

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