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Pension Or Penury-Musa Usman

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Musa Usman

The current rule, which effectively restricts a retiree’s one-time lump sum pension withdrawal to about 25% of their total savings, is seriously flawed. This restriction, which arguably serves the financial interests of the Pension Fund Administrators (PFAs) more than the retirees’ well-being, is pushing many former workers into hardship, poverty, and despair.

This rigid policy is completely out of touch with today’s financial realities. Given the high rates of inflation, increasing costs of living, and generally low salaries in the civil service, the current 25% limit is unfair and unrealistic. It severely prevents retirees from accessing the substantial capital they need for crucial, one-time expenses.

The government must urgently review this rule to properly balance the scheme’s stability with the retiree’s right to enough money for a respectable life after service.

First, the feeling that it is “very unfair to deny one his rights after working for 35 years” is a valid moral and contractual complaint. The money in the Retirement Savings Account (RSA) isn’t a gift; it is deferred compensation—money the employee earned and was forced to save. After decades of service, a retiree should have a greater say in how their savings are used. Limiting access to a large portion of their own savings betrays the trust built up over their career, where many expected a significant capital injection upon retirement. Restricting this access feels like a punishment for faithfully contributing to the scheme.

Furthermore, the government’s goal is to protect retirees, but the policy fails because Inflationary trends and high cost of living has made 25 percent not realistic looking at the meager amount of the total package of federal civil servants.

The devastating impact is best shown by a recent testimony from a retired university staff member:

STATE OF NIGERIAN RETIREES: WHAT A PITY?

“After serving my father’s land for a good 42 years in Ahmadu Bello University, Zaria and retired on 2nd February, 2025… my RSA balance is #18,749,837:40 and the whole of my Lump sum just stands at only #4,692,776:60.”

“My Lump sum cannot even take me home, talk less of buying, building a house or starting something for a living, what a nation? The PenCom and PFA’s are Sucking our blood… We are dying in the hands of these heartless people. May Allah bail us out from this injustice.” 😢

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This sad example shows three problems: high inflation rapidly destroys the buying power of the entire RSA balance, making the final 25% lump sum “meager” and insufficient for basic post-retirement needs; 25% of an already small total balance even after 42 years is totally inadequate for major financial obligations, proven by the retiree’s distress that the money “cannot even take me home”; and most ironically, the government fears a large payout will lead to poverty, yet an inadequate lump sum forces retirees into immediate poverty by preventing them from making essential capital investments like securing a home.

Consequently, the main argument is that retirement requires large, one-time capital expenses which the small monthly pension cannot cover. The testimony confirms this dashed expectation: the inability to buy, build a house or to start something for a living. For most, the lump sum is the last and most critical money for finishing a personal home. As stated, Most civil Servants depend on their entitlements to build their houses and how could they do so with 25 percent?

Allowing a larger lump sum for housing is a much better form of social protection than forcing them to use a tiny monthly pension to cover rent. Crucially, the current rule fails to separate capital expenses like building a house or starting a business for extra income from recurrent expenses like food and utilities. The lump sum is necessary for capital expenses; the monthly pension is for recurrent ones.

Restricting the capital portion prevents the retiree from creating the secure foundation needed to lower their future recurrent costs.

Beyond individual hardship, the deep unhappiness with the current Contributory Pension Scheme (CPS) is now leading to organized resistance and fundamental challenges to the system’s legitimacy.

The retiree’s final warning to “tighten up your belt as this is just the beginning of the journey” shows a widespread feeling of being betrayed.

The highest-profile

challenge comes from the Nigeria Police Force, which has persistently demanded to leave the CPS due to the poor lump sum and low monthly payments. Other security agencies are also voicing similar demands, signaling a growing loss of confidence in the CPS from critical public sectors. These major complaints threaten the very survival and stability of the pension system. When key workers want to opt out, it proves a widespread loss of faith in the system’s ability to offer a dignified retirement.

Instead of a simple, restrictive limit, the government needs a smarter solution. They should consider increasing the lump sum access up to 50 percent.

This higher amount would give retirees a sense of worth, dignity, and the necessary capital to secure a home. The National Assembly and the Tinubu Administration must act immediately to stop the total rejection of the pension scheme.

Revisiting the current policy isn’t about promoting reckless spending; it’s about granting responsible access to a person’s life savings to meet the large, non-recurring financial needs critical for true security in retirement. Failure to act will not only trap a generation of retirees in poverty but will ultimately lead to the collapse of the Contributory Pension Scheme itself.

Musa Usman is a Retired federal civil servant, wrote this piece from Kaduna.

Opinion

A Life of Promise: Young Hussein’s Tragic Death at the Hands of Phone Snatchers”

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By Zubair A Zubair

Writing this tribute has not been easy. Each sentence carries a weight of grief, and tears fill my eyes as I attempt to put into words the pain of losing such a promising young soul. It has taken me several days after the tragic demise of Husein Bashir Sabo to gather the emotional strength to reflect on his life and sacrifice.

On 6 March 2026, the peaceful community of Tukuntawa in Kano was shaken by a tragic incident. Suspected hoodlums, reportedly phone snatchers, stormed the area to rob unsuspecting residents. In the midst of the chaos, Husein, only 18 years old, demonstrated extraordinary courage. Rather than fleeing, he attempted to repel the attackers and defend members of his community. In the process, he was brutally stabbed multiple times. Despite efforts to save him after he was rushed to the hospital, he sadly succumbed to his injuries.

My personal encounter with Husein Bashir dates back about two years ago when he first visited our home to check on my younger brother, who coincidentally bears the same name, Husein. The two shared a close friendship. What struck me immediately was his humility and respect. His greeting alone revealed the character of a young man raised with strong values and proper upbringing. It was evident that he came from a respectable home.

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Husein Bashir Sabo was a student of the prestigious Northwest University Kano, an institution known for nurturing bright young minds. For many, the question might arise: why would a young man with such a promising academic future choose to participate in community vigilante efforts?

The answer lies in the kind of person Husein was. He came from a well-established family; his father is said to be the Provost of Federal College of Education (Technical) Bichi. His decision to join the vigilante group was not motivated by financial need or desperation. Rather, it was driven by a profound sense of responsibility and compassion for the safety of his community. In a time when many people remain silent in the face of insecurity, Husein chose courage.

What makes this loss even more painful is witnessing the grief of those he left behind. My younger brother, his close friend, struggles daily with the reality that someone he grew up with is gone forever. Not a day passes without him mentioning Husein or showing someone their last conversations on WhatsApp. Losing a childhood friend is devastating at any age, but seeing such sorrow in someone so young is heartbreaking beyond words.

Husein’s story is not just about a young life lost, it is a painful reflection of the insecurity that continues to plague many communities across Nigeria. When a teenager feels compelled to defend his neighborhood from criminals, it raises difficult questions about the safety and protection of ordinary citizens.

Therefore, I call on the relevant authorities and security agencies to ensure that justice is served. The perpetrators of this heinous act must be identified and brought to justice. The blood of Husein Bashir Sabo must not be shed in vain.

Though his life was brief, his courage will forever remain a symbol of selflessness and bravery. His memory will continue to live on in the hearts of his family, friends, and community.

May Almighty Allah forgive his shortcomings and grant him Jannatul Firdaus, and may He grant his family, friends, and the entire community the strength and fortitude to bear this immense and painful loss.

Zubair A. Zubair
Writing from Kano, Nigeria

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Opinion

Why APC H/Q Should Commend Gov Abba for Successful Congresses

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By Abba Anwar

Before the congresses of the All Progressives Congress (APC) were conducted few weeks ago in Kano, as obtained across the nation, many people, including myself, thought, Kano state Governor Abba Kabir Yusuf, could not successfully handle the situation.

Not because he had just joined the party (APC) from New Nigeria People’s Party (NNPP), at least from my estimation, but because he came and met a party that was in disarray, with enormous internal crisis, from left, right and centre.

As many believe that, he is new to internal party wrangling. As he came from where there was a centralized chain of command. Where loyalty has always been hundred percent. And where discipline, at least in the definition of the leader (jagora), is straight and observed.

Governor’s acceptance of the party leadership sharing formula, without any hesitation, was sighted with relief from all party camps. More so, where the governor sacrificed his upper percentage to old APC members. This is where he reversed his 60% to 40% and gave old APC 60% at his own will.

All those arrangements and show of commitment to his new party, were concluded days before Ward, Local Governments and state congresses. The assumption was, His Excellency, the governor could only be able to soundly manage his side of the party membership during the congresses. Whereas, old APC’s sharing formula amongst them would be a bit above average.

But to the chagrin of all, Governor Yusuf, managed to have successful conduct of congresses, from bottom to top in the state. In fact the way the congresses were conducted didn’t even remind all that, the governor was new entrant. The management of the congresses were largely commendable. Though, with some pockets of complaints in some places. But even at that, the governor was able to tame the frustrations and disappointments.

Unlike in many states, where their governors joined APC in recent times. In some of those states, there were close to two parallel party leaders at the state level. Their governors were not able to manage the ugly situations with vigor and determination. Kano case shows how skilful, if you like, the governor is.

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People wish that, he applies similar skills, commitment and honesty while facing 2027. What further aided the governor to attain that height, was the true and genuine support he got from almost all APC heavyweights, whom he met when he joined the party. All the camps, within the party, saw reason in supporting the governor to deliver well in the election of party leaders in the state.

So long as the governor will understand the importance and the role of each and every heavyweight within the party, then his victory and that of the party is almost guaranteed. For example, while the support of His Excellency the Deputy Senate President, Distinguished Senator Barau I Jibrin, CFR, is needed, for governor’s successful tenure, the support of His Excellency Murtala Sule Garo, is also needed. Their support is extremely important for re-election bid. No two ways about this. The same or similar goes to other important personalities within the party circle.

As governor used wisdom and support from others, to conduct successful congresses, I urge him to use similar wisdom in sitting with Barau and Garo for the benefit of his administration to rule well and for his reelection bid to yield fruits. I know the governor is quite aware of the challenges ahead. So selective interaction shouldn’t be in his shopping list.

Please let’s face it. With all the so-called political rivalry between Barau and Garo, I am yet to come across a single person, who confessed that, either of the duo asked him or her to go and castigate the other. I’m yet to see a person who can confess to have collected resources from Barau to go and castigate Garo. And vice versa. Show me someone who said Garo gave him a penny to go to any public platform and castigate Barau, I will show you a liar. So what are we talking about.

I urge governor Yusuf to kindly put to reality, the current APC slogan in the state, Kano First. His patriotism, belief and commitment to Kano First Agenda, I assumed, was what took him away from his political godfather, the former governor of Kano state, Rabi’u Musa Kwankwaso. So please and please Your Excellency, show to all that, you clearly understand the writing on the wall. Show to all that, you are really making sound preparation for 2027.

For APC National Headquarters, please look at how our governor managed the party to conduct successful congresses. His victory here spots some clue for his preparedness towards taking the party to greater height. We from Kano, need public commendation of the governor from the national body. Please make it before National Convention. Or you can acknowledge that at the Convention ground.

Unlike many other states, where their governors cross carpeted to APC, like Delta state of governor Sheriff Oborevwori, Akwa Ibom state of governor Umo Eno, Bayelsa state of governor Duoye Diri, Rivers state of Siminalayi Fubara, Plateau state of governor Caleb Mutfwang, Taraba state of governor Agbu Kefas, Adamawa state of governor Umaru Fintiri and Enugu state of governor Peter Mbah, Kano congresses have little crisis compared to all these states.

As a matter of fact, encouragement and appreciation, Kano state governor Yusuf, has every quality and qualifications to be publicly commended by the bigger APC from Abuja. With all the crisis within the party, long before he joined, he still made it possible to manage all cracking parts of the party. Yes there are issues here and there, yet Kano did better than other states where governors joined the party, ahead of 2027.

Anwar writes from Kano
Saturday, 14th March, 2026

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Opinion

DSP Barau As A Global Citizen, His Recent Global Engagements

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By Abba Anwar

Global citizenship and His Excellency, Deputy Senate President, Distinguished Senator Barau I Jibrin, CFR, are more or less, like two sides of a coin. Destined to be together for the overall benefit of the society. He started from the scratch, as a political learner, who believes in genuine democratic survival and political development. Hence his promotion to become an icon in politics.

Being an ardent and true democrat, his pedigree sounds decades of hardwork, genuine commitment, rancour-free engagement and civilized cohesion with relevant stakeholders. He specializes in human management and love for human advancement.

Just recently, DSP has been visible on regional and global fora, advancing partnership, integration and self development for our region and the continent. His appearances recently, on such platforms, gave more meaning to his global citizenship position. Yes he is representing Kano North, as his primary constituency, coupled with his position as the Deputy Senate President, but his role at the regional and global arena, showcase his global capacity.

During the 2026 First Extraordinary Session of the Economic Community of West African States Parliament (ECOWAS Parliament), which was backed by the 2026 Parliamentary Seminar themed “Deepening regional integration through the African Continental Free Trade Area (AfCFTA): Opportunities and challenges for expanding intra-community trade within the ECOWAS region,” in Abuja, he got more accolades than expected. His genuine commitment to ECOWAS protocols is rare among regional leaders.

Enlisting the core idea behind the event he said, “During today’s session, we considered and adopted the draft resolutions of the parliament on the African Continental Trade Free Area (AfCFTA). We also adopted a comprehensive work plan of the parliament for the 2026 legislative year.”

In his effort in taming insecurity plaguing some parts of our country, DSP clearly understands the global connection to the menace. Hence he highlighted on peace promotion at the regional event. Apart from behind the scene efforts he makes. Both in Nigeria and beyond. During the ECOWAS programme he said, “As the First Deputy Speaker of the ECOWAS Parliament, the people’s parliament, we will continue to promote democracy, PEACE (emphasis mine), unity, and integration in our sub-region, the cardinal objectives of the parliament.”

It was evidently clear that, Distinguished Senator was among the few hands who put extra effort in taming some pockets of bandit attacks few months back in some border towns in Kano state. Who were said to be infiltrated from neighboring states.

Coincidentally, some of the attacks, though, very insignificant, occurred around his Kano North constituency. The nature of contributions of operational vehicles, and other logistics he gave to our security agencies, around that axis, aided security agents in crushing the challenge head on.

Not only in his constituency, he donated, other operational vehicles to Kano state Police Command, alongside hundreds of motorcycles for police operations across all the 44 local governments of the state. Some of his interventions are not for public consumption, because of their nature, being security related.

Coming back to his good attachment with other global bodies, as a global citizen, he participanted recently at 2026 Commonwealth Day Commemoration, themed “Unlocking opportunities together for a prosperous commonwealth,” at the National Assembly, Abuja. He was there as an important guest and a critical stakeholder.

The event was organised by the Commonwealth Parliamentary Association (CPA). DSP Jibrin delivered one of the most significant speeches there. In his speech he acknowledged that, “This year’s theme is both timely and inspiring. It calls on us to strengthen collaboration across borders, institutions, and generations to create a future defined not by limitations but by shared prosperity.”

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One of his major concerns as a global citizen who believes in peaceful coexistence and global partnership is his contribution towards national peace and cohesion. As well as regional cooperation and global partnership against insecurity. All these are based on the premise of his clear understanding of global concepts and meaning.

As this can vividly be understood in his remark during the Commonwealth Day, when he said, “For Nigeria and indeed Africa, the Commonwealth represents more than a historical association. It is a dynamic platform for cooperation, learning, and collective progress.” This shows how insightful and informed he is when it comes to global citizenship and clear action.

Distinguished Senator Jibrin’s understanding of the need for strengthening of institutions through proper legislation, across the board, on the global arena, he takes the same understanding and called on other global bodies to take that seriously. At the Commonwealth Day he made it categorically clear that, “As legislators, we bear a solemn responsibility to build institutions that expand opportunities for education, innovation, enterprise and leadership for our young people. When we unlock such opportunities, we unlock the true potential of our societies.”

As a matter of fact, the Deputy Senate President’s love for peace and development to reign, does not stop at the local communities, or within the shores of Nigeria, he makes it an item on his shopping list, to wherever he goes or whoever he meets. He reminded all participants at the Commonwealth Day, that, “In my additional capacity as First Deputy Speaker of the ECOWAS Parliament, I wish to emphasise that regional and global cooperation are no longer optional – they are essential. The challenges of our time-economic transformation, climate change, technological disruption, and peacebuilding-require collective solutions and shared vision.” This is leader with a vision!

Peace, peace and peace, anywhere he goes. His interventions as contributions to our security agencies, here in Kano state, are enough indices to tell you who the Senator is. When it comes to fighting insurgency and other nefarious activities.

To further appreciate the fact that, youth are an integral part in the future of our continent and other global communities, he said, in his speech, “I am particularly delighted that today’s event brings together students from schools within the Federal Capital Territory. The Commonwealth strongly believes in youth participation because the future of governance, diplomacy, and global cooperation rests squarely in their hands.”

This gives more explanation to the confidence he reposed in our younger ones. As he, at the same time, believes in their capacity, when equipped effectively and efficiently to serve their individual societies. His genuine investment in our youth, back home, on behalf of the entire state, is an excellent move against insecurity. He fights, with vigor, youth restlessness and unemployment. Shielding them from involving in nefarious activities.

The Senate President, himself, His Excellency, Godswill Obot Akpabio, GCON, fully believes in Senator Jibrin’s capacity and capability in governance and special interest in global community, he (Akpabio) sent DSP to represent him at an ECOWAS extraordinary session.

During the opening ceremony of 2026 First Extraordinary Session of the Economic Community of West African States Parliament (ECOWAS Parliament), recently in Abuja. The session commenced with a Parliamentary seminar themed “Deepening regional integration through the African Continental Free Trade Area (AfCFTA): Opportunities and challenges for expanding intra-community trade within the ECOWAS region.”

Senator Jibrin gave the keynote address on behalf of the Senate President. With the theme, “ECOWAS Parliament: Advancing regional integration at a defining moment.” All such engagements by the DSP, are in tandem with the philosophy behind his global citizenship status. Kano North, his primary constituency, is proud to have such an illustrious son, of great substance.

To cap it all, DSP Jibrin’s contributions towards the fight against insecurity and promotion of peaceful coexistence among citizens, are enormous. Due to the security nature of such contributions, members of the public, are only able to see things related to physical infrastructure and equipments. Other areas that are equally critical, also get the attention of the Senator. But cannot be disclosed to the public.

As global as the Senator is, his view on governance, integration and promotion of peace, is globally inclined.

Anwar writes from Kano
Friday, 13th March, 2026

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