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Opinion

Pension Or Penury-Musa Usman

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By
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

To DSS Boss: What Was Good for Ese Oruru Must Also Be Good for Walida Abdulhadi-Yushau A. Shuaibu

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By Yushau A. Shuaib

Among the current crop of Nigeria’s security chiefs, perhaps none is as widely respected for his professional record as the Director General of the Department of State Services (DSS), Adeola Oluwatosin Ajayi. Since his assumption of office, he has been celebrated as a quintessential officer—one who is neither a religious bigot nor an ethnocentric partisan. His track record in states like Bauchi and Kaduna reflects a man who understands the delicate fabric of our diverse society and has often supported Muslim communal activities with the same zeal he applies to national security.

It is precisely because of this high regard that I find myself profoundly bewildered. Why is it that this same leadership, credited with a commitment to due process, appears to be wavering in the face of a clear court order? I am referring to the case of Walida Abdulhadi Ibrahim, a young Muslim girl from Jigawa State, and the stalled prosecution of a DSS operative, Ifeanyi Onyewuenyi, accused of her abduction, sexual exploitation, and forced conversion to Christianity.

This disturbing saga echoes the 2015–2016 Ese Oruru case. The nation vividly remembers how a teenage girl from Bayelsa was taken to Kano by Yunusa Dahiru (popularly known as “Yellow”), where she was allegedly converted to Islam and impregnated. The public outcry at the time was overwhelming. The media, civil society, and the international community demanded swift justice.

The Bayelsa State Government under Governor Seriake Dickson intervened decisively — providing medical care, insisting on a thorough investigation, and ensuring prosecution. Yunusa Dahiru was eventually convicted and jailed. Ese Oruru received rehabilitation and later graduated from the University of Ilorin in flying colour

In my recent essay, “From Ese Oruru to Walida: Unmasking Selective Outrage,” I asked a rhetorical question that now feels prophetic: Would Walida’s case attract the same moral panic? Or would it be quietly buried because it doesn’t fit a convenient narrative of religious persecution? My fears are being validated by the day.

A coalition of civil society and faith-based organisations recently raised the alarm in Abuja, accusing the DSS of violating a subsisting court order directing the release of 16-year-old Walida to her family. They specifically named DSS officer Ifeanyi Onyewuenyi as central to the allegations and called for his prosecution should any culpability be established.

A petition filed by Gamji Lawchain paints a disturbing picture: a minor allegedly abducted two years ago, held in unlawful custody, and denied access to her parents. Her father maintains that the trauma of this ordeal contributed directly to the untimely death of Walida’s mother.

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At the heart of the controversy is the DSS acting simultaneously as custodian and investigator — a clear conflict of interest. Compounding this is a suspicious dispute over her age. While the family insists she is 16, there are attempts to portray her as a 22-year-old adult. An independent, document-based verification of her age is essential. Anything less would undermine the integrity of our child‑protection laws.

Strangely, a group known as the Arewa Youth Assembly (AYA) has issued a “counter‑message,” claiming that she left home in 2023 and was taken by a woman called Maryam — later identified as Chinaza — who allegedly converted her to Christianity. The AYA leader, Salihu Danlami, further asserted that Walida underwent a mental evaluation and is “stable” and “happy” with her captor. Such claims overlook the well‑documented psychological phenomenon known as Stockholm Syndrome.

We have seen this before in the North-East; rescued Chibok and Dapchi girls have, at times, expressed a desire to return to their abusers after rescue from ISWAP/Boko Haram, exhibiting emotional bonds with their captors as a survival-driven coping mechanism. A girl who has been serially abused and impregnated outside of matrimony cannot be declared “mentally stable” by a youth group in a press conference. She requires clinical rehabilitation, not media interviews.

The DSS must comply fully with judicial directives concerning Walida’s custody and potential reunification with her family. A neutral, independent inquiry into the allegations against the DSS operative should be conducted. If found guilty, he must face the full weight of the law—just as Yunusa Dahiru did in the Ese Oruru case.

There must also be transparent verification of Walida’s age through credible documentation and independent scrutiny. NAPTIP should assume a leading role, given the child-protection and trafficking dimensions.

Equally, the Jigawa State Government under Governor Umar Namadi must not remain on the sidelines. A decade ago, Governor Seriake Dickson of Bayelsa did not treat Ese Oruru’s case as someone else’s burden. He intervened decisively and stood by the victim. Jigawa should do no less for Walida.

The media and the public must resist the urge to frame this matter in inflammatory religious terms. During the Ese Oruru case, northern traditional rulers and religious leaders were hastily accused of complicity. We must not repeat that mistake or allow this situation to be cast as a religious confrontation. Just as many argued in 2016 that Yunusa’s actions did not represent Islam, we must also acknowledge that the alleged actions of Onyewuenyi do not represent Christianity or the DSS.

We cannot afford another cycle of collective suspicion. Responsible communication — not sensationalism — must guide public discourse. This is not a religious contest. It is a child‑rights issue. Justice must never depend on religious identity.

If Nigeria is to remain a nation governed by law rather than sentiment, then institutions — especially the DSS — must uphold due process, transparency, and accountability. This case must follow the same standard of judicial openness and constitutional procedure that defined the high‑profile Ese Oruru investigation, which the police handled with commendable neutrality.

I therefore respectfully appeal to the Director‑General of the DSS to act swiftly, transparently, and in full fidelity to the rule of law. As a man of established integrity, he must ensure that justice is neither delayed nor distorted. Let it never be said that under his leadership, the law became a respecter of persons or uniforms.

In cases involving alleged child exploitation or forced conversion, justice delayed is justice questioned. Institutional integrity is measured not by rhetoric but by response.

What was good for Ese Oruru must, in the interest of fairness and equity, also be good for Walida.

Yushau A. Shuaib is the author of An Encounter with the Spymaster and can be reached via yashuaib@yashuaib.com.

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Opinion

Ahmad Gambo Saleh:Catalyst Of A Virtuous Judiciary

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By Ahmad Muhammad Danyaro

 

“All the rights secured to the citizens under the Constitution are worth nothing, and a mere bubble, except guaranteed to them by an independent and virtuous Judiciary|” Andrew Jackson.irria.

 

 

The judiciary in Nigeria, as established by Section 6 of the 1999 Constitution, is crucial for interpreting laws, defending the constitution, and enforcing the rule of law. It acts as an independent arbiter, protecting human rights, settling disputes between government branches and citizens, and ensuring democratic accountability through judicial review.

 

According to the words of Ronald Reagan, Former President of the United States of America, “the greatest leader is not necessarily the one who does greatest things .He is the one that gets the people to do the greatest things.”

 

Ahmed Gambo Saleh ,Esq, is one of the most accomplished judicial administrators in Nigeria recognized for his transformational leadership, technical expertise and unwavering commitment to judicial reforms in Nigeria.

 

Since 30th June, 2017 when Ahmed Gambo Saleh took over as Secretary of the National Judicial Council, he has become a leading voice in shaping the future of the nation’s judiciary.

 

The National Judicial Council is one of the Federal Executive Bodies created by virtue of Section 153 of the 1999 Constitution of the Federal Republic of Nigeria in order to insulate the Judiciary from the whims and caprices of the Executive; hence guarantee the independence of this Arm of Government, which is a sine qua non for any democratic Government. The National Judicial Council was created and vested with enormous powers and functions of the erstwhile Advisory Judicial Committee (AJC) which it replaced.

Ahmed Gambo Saleh, Esq, was born on June 3, 1969, in Hadejia, Jigawa State. He is a seasoned legal administrator with over 20 years of experience, who previously served as the Chief Registrar of the Supreme Court of Nigeria. Saleh holds first and second degrees in Law from the Usman Danfodio University, Sokoto and Bayero University, Kano, respectively.

 

He worked briefly as a Private Legal Practitioner before joining the service of Jigawa State Ministry of Justice as a Senior State Counsel in 1998, where he rose to become Director of Legal Drafting in 2002.

 

Mr. Saleh was a one-time Chairman of the Nigerian Bar Association, Dutse Branch in 2008.

 

In the later part of 2008, he was appointed as a Special Assistant to Former Chief Justice of Nigeria, Hon .Justice Idris Legbo Kutigi ,GCON. Two years later, he was appointed the Deputy Director Litigation before his appointment as the 16th Chief Registrar of the Supreme Court of Nigeria.

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It was during his tenure as the Chief Registrar that the process of Court Automation commenced, and the interviews of candidates who applied for the conferment of Senior Advocate of Nigeria (SAN) were streamed live on the website of the Supreme Court, to enable members of the public to view and assess the suitability or otherwise of qualified candidates to forestall allegation of bias or preferential treatment.

 

Mr Saleh introduced technologies which enabled the Courtrooms to connect to a unified system that has a central repository for all audio/video of proceedings. This includes: the transcripts, audio/video recording of any hearing, appearances and courtroom proceedings.

 

He also installed in the court a device called the document camera with the capacity to display exhbits ,which can be viewed by judges, registrars and lawyers. This device converts a paper document camera or physical exhibit to an electronic image with the aim to enlarge or reduce the image.

 

Ahmed Gambo Saleh, LL.B, BL, LLM combines years in Management and Administrative experience. He is a member of several professional bodies and has served on quite a number of Judiciary Committees, among which are: Secretary, Legal Practitioners’ Privileges Committee; Chairman, Chief Registrars of Nigeria Forum; Chairman, Nigerian Bar Association, Dutse Branch; Member, Presidential Swearing-in Committee – 2015; Member, Judiciary Information Technology Policy Committee; Member, Federal Judiciary Tenders Board; Secretary, Jigawa State Shari’ah Implementation Committee, etc.

 

To put Saleh’s commendable feat into proper perspective, the Office of the Secretary he currently occupies is the pivot around which all the activities of the National Judicial Council revolve. It is the administrative office of the Council. The Office co-ordinates and supervises all activities of the Council including Council Meetings, disbursement and monitoring of funds. The success or failure of the Departments & Units in the Council depends on the Office. The Office liaises with other Arms of Government and Agencies to achieve the goals of the Council, among others.

 

As NJC Secretary, he oversees administrative functions of the judiciary, including serving as Secretary to the Legal Practitioners’ Privileges Committee.He continues to serve as a key administrative figure in the Nigerian judiciary.

 

Ahmed Gambo Saleh’s achievements as the Secretary of NJC are indelible and focused on areas characterized by technocratic, behind –the-secne reforms rather than high-profile public actions.

 

He is working assiduously to achieve the NJC’s set goals such as: an entrenched and preserved independent judiciary, a judiciary that is committed to the rule law, a financially autonomous judiciary, a proactive and vibrant judiciary that has judicial officers and staff with proven integrity and impeccable character, a dynamic judiciary manned by officers with various background, discipline, experience and competence and a judiciary that is information technology driven.

 

Humility is his defining character, Barrister Gambo Saleh is humble to a fault.God-fearing, gentle, peaceful, generous; yet unassuming and exceptionally intelligent. A natural leader and never pretentious. For anyone who knows Saleh, things are easily discernible about his character – humility, courage and a calm spirit.

 

As a scribe of NJC, an important arm of government –the judiciary – in the last nine years, it is on record that Gambo Saleh has brought new meaning to the position working diligently and honestly to enshrine a vibrant judiciary. To borrow from Greek writer Homer, “he is both a speaker of words of doers of deeds, benevolent and highly spirited.”

 

 

Danyaro is a Media and Public Affairs Specialist based in Abuja and can be reached via: @adanyaro202@gmail.com.

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Opinion

Waiya As An An Apostle Of Kano First-Kabo

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Hon (Amb) Ibrahim Abdullahi Waiya the Kano State Commissioner for Information and Internal Affairs, has clearly emerged as one of the most celebrated, outspoken, dynamic, and eloquent members of the cabinet of Abba Kabir Yusuf, not only within government circles but across Kano State. This perfectly aligns with the expectations many of us held at the time of his appointment two years ago. Given his background, experience, and unwavering commitment to the people, it was evident that he would bring something exceptional to governance.

What truly sets Waiya apart, however, is not just his competence, but the rare confidence and closeness he enjoys with the Governor. He stands as one of the most trusted allies of His Excellency, someone who understands the Governor’s vision deeply and communicates it with clarity, conviction, and loyalty. His ability to interpret, defend, and passionately project the policies and intentions of the administration reflects a strong working relationship built on trust and mutual respect. In many ways, he operates not just as a Commissioner, but as a central pillar in advancing and protecting the image and direction of the government.

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With his activism roots, intellectual depth, and fearless loyalty, Waiya has positioned himself as a “super Commissioner”, a dependable voice and a strategic force within the cabinet. As the KANO FIRST agenda unfolds, one cannot ignore his role as one of its foremost drivers, standing firmly beside the Governor and reinforcing his vision at every level.

We pray that Almighty Allah continues to protect and guide him, strengthen his capacity, and elevate him to even greater heights in service. Ameen.
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