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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

Persecution of Crimean Tatar Muslims and Russia’s Campaign Against Ukrainian Identity

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By Alhassan Bala

The annexation of Crimea by Russia in 2014 marked not only a violation of international law but also the beginning of a systematic campaign to undermine the cultural identity of the Crimean Peninsula’s indigenous people.

The Crimean Tatars, who had already endured one of history’s most devastating forced deportations under Joseph Stalin, now face a renewed threat as Russia continues efforts that many observers say are aimed at eroding their language, culture, and religious freedoms.

According to discussions with representatives of the Crimean Tatar community, the current situation goes beyond cultural suppression. It is, they argue, a gradual process of cultural extinction.

The Crimean Tatars have survived persecution before. In 1944, Stalin ordered the mass deportation of the entire Crimean Tatar population from their homeland to Central Asia. Packed into cattle cars and transported under inhumane conditions, nearly half of the deportees died during the journey or in the early years of exile.

It took decades for survivors and their descendants to return to Crimea and rebuild their communities following the collapse of the Soviet Union.

I recently met several Crimean Tatars, and hearing their accounts of how their grandparents endured displacement, hardship, and persecution was deeply moving.

Their stories are a reminder of the resilience of a people determined to preserve their identity despite repeated attempts to erase it.

Today, more than seventy years after Stalin’s deportations, history appears to be repeating itself in a different form. Rather than relying on mass expulsions, Russia is accused of employing more subtle methods, including institutional discrimination, restrictions on religious practice, and the gradual erosion of linguistic and cultural identity.

Language is central to the survival of any people, and critics say Russian authorities understand this well. Since the annexation, Crimean Tatar-language education has reportedly been significantly reduced.

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Schools that once provided instruction in the Crimean Tatar language have been encouraged or compelled to switch to Russian. Crimean Tatar textbooks have become increasingly scarce, while educators who seek to preserve indigenous-language instruction face growing challenges.

The Ukrainian language has faced a similar decline. Prior to 2014, Ukrainian was widely taught and spoken throughout Crimea.

Today, opportunities to study both Crimean Tatar and Ukrainian have reportedly been reduced dramatically. In many cases, Crimean Tatar language instruction is limited to only a few hours per week, while Ukrainian-language education has largely disappeared from public institutions.

Critics describe this as a form of linguistic colonialism. By restricting access to education in native languages, they argue, future generations become increasingly disconnected from their cultural heritage.

Over time, languages that once flourished in Crimea risk becoming marginalized in the very homeland where they originated.

For the predominantly Muslim Crimean Tatar community, concerns extend beyond language to the practice of their faith.

Human rights organizations have documented reports of mosque raids, arrests of religious leaders, and restrictions on religious education.

The Mejlis, the representative body of the Crimean Tatar people, was banned by Russian authorities as an “extremist organization,” a move widely condemned by international observers.

Young Crimean Tatar men have faced particular scrutiny. Many have been detained and prosecuted under allegations of affiliation with Hizb ut-Tahrir, an organization that is legal in Ukraine but prohibited in Russia.

Human rights advocates have questioned the fairness of some of these prosecutions, citing concerns over evidence and due process.

Reports also indicate that religious literature has been confiscated and that Islamic educational activities have been subjected to increased restrictions.

For many Crimean Tatars, these measures reinforce a perception that maintaining their distinct religious and cultural identity has become increasingly difficult under Russian rule.

Crimean Tatar citizen journalists who document human rights abuses face heavily militarized show trials. Many are sentenced to decades in Russian penal colonies. Journalists face forced disappearances, physical violence, and raids on their homes. For example, Iryna Danylovych, a freelance reporter, was abducted by the FSB and transferred to a Russian prison.

The international community must continue to pay attention to the situation in Crimea. The Crimean Tatars survived Stalin’s attempt to destroy their nation and identity.

They rebuilt their communities from the ashes of exile and deserve the opportunity to preserve what they have fought so hard to reclaim—their language, their faith, their culture, and their homeland.

In this regard, the efforts of the Crimea Platform, an international initiative established to keep global attention focused on Crimea and the challenges faced by its people, remain important.

Through dialogue, advocacy, and international engagement, the platform continues to highlight the plight of Crimeans and the need for a peaceful and just resolution.

Alhassan Bala writes from Abuja, Nigeria.

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Opinion

Senator Barau: 3 Years of Meritorious Service to Humanity as DSP

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By Abba Anwar

As a build up to 2023 general election, Senator Barau I Jibrin, was campaigning to become a Senator for another round, in the 10th Assembly. From Kano North Senatorial District. All his campaign promises then were centered around his primary constituency.

Unknown to him, his victory would open door for him and create an opportunity, for him to become, Deputy Senate President. Alas, after the election of His Excellency Senator Godswill Akpabio, as Senate President. Jibrin was elected his Deputy.

His election as DSP, stemmed from so many considerations, of the gentleman. His credentials and his past contributions and engagements in the National Assembly, starting from being a Member of House of Representatives, when he represented Tarauni federal constituency, from Kano Central, were considered. As such his pedigree gave him, not automatic chance, but edge over others to become the DSP.

During his days as a Member of House of Representatives, when late Right Honourable Speaker Ghali Umar Na’Abba was the Speaker of the House, Jibrin was the Chairman House Committee on Appropriation. The same position he held when he became Senator. Apart from being Chairman Senate Committee on Tertiary Education Trust Fund (TETFund).

His choice or rather election as the Chairman House Committee on Appropriation, was hitherto considered and approved by the entire Honourable members, because of his credentials in the field. Not only that, he was one of the best students during his undergraduate days and postgraduate days, in his chosen area of studies. Which gave him so many inches ahead of others, then.

As Chairman Senate Committee on TETFund, the choice was made on the basis of his love for education, education and education. His genuine support for equipping people with education, at all levels, was considered at the same time. No wonder, his constituency, witnessed and are still witnessing his unmatched and unparalleled contributions to the education of his people, under Barau Jibrin Scholarship Scheme. Apart from other areas of intervention in the sector.

His service to humanity cuts across constituencies, party lines, geographical boundaries and ages, in the last three years of his leadership as Deputy Senate President. Even some parts of Nigeria, benefited from his legislative efforts. In his primary constituency, he sponsored hundreds of students for undergraduate studies in some carefully selected Nigerian universities. While dozens were selected, also after diligent screening, for their postgraduate studies outside the country.

Modern fields of study such as Software Engineering, Robotics Engineering, Artificial Intelligence, and Chemical Engineering, in which he sponsored many students, are testament to his legacy and reflect his focus on human development. He believes that education builds capacity, capability, and compatibility in life.

In the education sector he initiated and presented a Bill for the establishment of Federal Polytechnic, Kabo, that was established with 17 approved programmes in Science, Engineering and Health Sciences. He further lobbied and followed-up legislative process; which also provided infrastructure for the Polytechnic to be transformed to University of Science and Technology, Kabo.

He initiated, lobbied and followed-up for the Federal College of Education (Technical) Bichi, to Federal University of Education Bichi. The same effort was applied to the transformation of the Federal College of Education, (FCE) Kano, to Yusuf Maitama Sule Federal University of Education, Kano. He initiated and lobbied for the renaming of the University, after the name of the former Permanent Representative of Nigeria, to the United Nations, Dan Masanin Kano Yusuf Maitama Sule.

He was able to facilitate the establishment of 13 National Open University of Nigeria (NOUN) Study Centres, across all 13 Local Government Areas, of his constituency, Kano North. Also facilitated for the establishment of Federal University Dutsin-Ma 6 Satellite Campuses and four (4) more Study Centres facilitated in Gwarzo, Danbatta, Dawakin Tofa, Gabasawa local governments.

His Excellency, Deputy Senate President, constructed blocks and made renovation of many primary and secondary school in Kano North. Apart from helping teachers and students with the means of transportation to schools for teaching and learning.

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Under other, varying empowerment programmes, Senator Jibrin distributed 130 vehicles to transport associations, across 13 local governments under his constituency. A total number of 1,000 motorcycles were distributed to headmasters, teachers and other residents in the rural communities.

When students benefited from 1,300 tricycles, 1,300 sewing machines, 1,300 noodle-making machines and flour to women, 1,300 deep freezers and 1,300 bicycles

Under security sector, more specifically his direct support to Nigeria Police Force, the Distinguished Senator donated One thousand (1,000) operational motorcycles. The handing over of the motorcycles took place at Bompai Police Headquarters, Kano. Of which the distribution was at 700 for Kano North Senatorial Zone and the remaining 300 for State Command Headquarters. The donation was purposely made to enhance mobility, rapid response, and reach hard-to-access areas by our Police officers.

He donated other operational vehicles to the Police Command, Bompai, among other donations of vehicles to other police formations, particularly, in Kano North. As he renovated parts of Kano State Police Headquarters. As he further constructed many police stations in different parts of the state.

Our able DSP constructed a modern Police Secondary School in Kabo, his hometown. He is not only concerned with operational vehicles and infrastructure, he is mindful of aiding his people to get recruited into the available spaces under our security system.

Hence he facilitated the recruitment of 120 security personnel as Police Cadets, Economic and Financial Crimes Commission (EFCC) officials, and Federal Fire Service officers from Kano North. After the completion of their training, he hosted them at a dinner in their honor, at Bristol Palace Hotel, Kano. As he charged them on integrity, patriotism, service to the nation and loyalty to their respective formations.

To further enhance security in the streets across his constituency, he helped in the installation of one thousand (1,000) solar-powered streetlights across Kano North, to improve nighttime patrols. As he rushed to Kano Central donating for market security, where he donated Hilux, 5 motorcycles for patrol at Farm Centre phone market.

As our Distinguished Senator believes in re-positioning of our security system and architecture, he sees reason in security infrastructure development. This informs his patriotic decision in facilitating for the establishment of
NSCDC Training College, in Gwarzo, Nigeria Police Service Commission Training Institute, in Kabo and Nigeria Immigration Service Training School, in Bichi.

Under agriculture the biggest project is the long awaited programme on maize and rice cultivation to boost food security, under Barau Initiative for Agricultural Revolution in the Northwest (BIARN), that was launched in April 2025. With the intention of the distribution of about Three Billion Naira (N3b) interest-free loan scheme for 558 young farmers across the 7 states of the North West.

As beneficiaries would get access to, ranging from One Million Naira (N1m) to Two Million Naira (N2m) up to Five Million Naira (N5m) per individual beneficiary. What is delaying the implementation of the programme is the paucity of Funds from the partner organization, Bank of Agriculture (BOA).

Under nfrastructural development, road construction and rehabilitation
specifically, he lobbied for Kano-Gwarzo-Dayi federal road among others. Other infrastructure in Gwarzo, where roads, bridge, water projects and installation of solar lights, became the order of the day, under his interventions. So also hospital construction and upgrades, in the same Gwarzo local government.

Community projects like construction and rehabilitation of Mosques, Palaces and training institutes are all over.

Under Youth and Women Empowerment for economic development, he initiated the distribution of Twenty Thousand Naira (₦20,000) only. For 10,000 less-privileged across all the 44 LGAs in the state. With Kano North taking the largest share of 6,500 beneficiaries, at 500 per LGA.

Just recently DSP launched monthly One Hundred Thousand Naira (₦100,000) only, capital support, for 1,300 beneficiaries, from the Month of February 2026 to December 2026. A year round project. A total of 18,200 beneficiaries, will benefit from the sum of Two Hundred and Eighteen Million, Two Hundred Thousand (₦218.2m) only.

Under other, varying empowerment programmes, Senator Jibrin distributed 130 vehicles to transport associations, across 13 local governments under his constituency. A total number of 1,000 motorcycles were distributed to headmasters, teachers and other residents in the rural communities.

When students benefited from 1,300 tricycles, 1,300 sewing machines, 1,300 noodle-making machines and flour to women, 1,300 deep freezers and 1,300 bicycles

Sports & Community Development are not left behind. As 150 football teams per local government benefited with Jerseys and balls. Totaling 1,950 teams across Kano North.

It is on record, as many people, especially those from Kano North, know, DSP did more than what I listed here. One piece of material cannot encapsulate all this contributions and speak out at a time. But this gentleman did a lot and is committed to step further.

Anwar writes from Kano
Sunday, 7th June, 2026

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Opinion

Silence Is Complicity: How Peter Obi and Kwankwaso’s Failure to Repudiate Their Supporters’ Insults Against the Sardauna Exposes the True Character of the NDC Ticket

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In the political culture of Northern Nigeria, there is a particular category of test that every leader seeking the region’s trust must pass, not in a debate hall, not in a policy document, and not in the carefully managed environment of a presidential campaign rally, but in the unscripted, uncontrolled, and therefore most revealing moments when something is said or done that directly offends the values, the history, and the sacred memory of the people whose confidence that leader is seeking. It is in those moments, and only in those moments, that the depth of a leader’s respect for the north is truly measurable. Not by what they say about the north in their own speeches but by what they are prepared to say in defence of the north when it is being attacked by their own supporters. By that measure, the one that counts most in the court of northern political opinion, Peter Obi and Rabiu Musa Kwankwaso have failed a test of the most fundamental and the most consequential kind. And their failure is documented, verifiable, and sitting in the public record for every northern voter to read before casting their ballot in 2027.

The facts are these. In a publicly published article on Opinion Nigeria, a verified Obi supporter responding directly to a pro-northern commentary written by Sufyan Lawal Kabo, whose article on the NDC ticket’s northern viability has been widely circulated within political commentary circles, described Sir Ahmadu Bello, the Sardauna of Sokoto and Premier of Northern Nigeria, in the following terms. The Sardauna was characterised as a Fulani aristocrat who inherited power from the jihad.

His documented concerns about Igbo political dominance were dismissed as the testament of a conqueror who feared losing his conquered territory. And the legacy of one of the most consequential, most institution-building, most educationally transformative, and most internationally respected political figures in the entire history of northern Nigeria was reduced, in a single contemptuous paragraph, to the frightened posturing of an entitled hereditary ruler defending unearned privilege.
Let those words sit for a moment before we proceed. A Fulani aristocrat who inherited power from the jihad. The testament of a conqueror who feared losing his conquered territory. These are not the words of a political opponent engaging in legitimate historical debate.

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They are the words of someone who holds the Sardauna of Sokoto in contempt. Someone who regards his life’s work, the building of Ahmadu Bello University, the establishment of the Bank of the North, the creation of the Northern Regional Development Corporation, the construction of the 16,000-seat Ahmadu Bello Stadium in Kaduna, the cultivation of northern political consciousness that gave the region its voice in the first republic, as nothing more than the self-interested manoeuvring of an aristocratic class protecting inherited power. They are words that every northerner who has ever spoken the Sardauna’s name with pride, every student who has sat in the institution that bears his name, every community that has drawn on the legacy he built, and every family that traces its civic identity to the northern political tradition he helped define, has the right to hear, to evaluate, and to hold accountable.
And accountability, in a democracy, begins with leadership. When a political leader is seeking the votes of millions of people, they acquire, as an inseparable part of that solicitation, the responsibility to defend those people’s values, history, and sacred memory from disrespect, even when, and especially when, that disrespect comes from within their own political family. This is not an abstract principle invented for the purpose of this argument. It is the standard that has been applied consistently and correctly across Nigerian political history whenever leaders failed to speak up in the face of insults directed at communities they claimed to represent or to court.

It is the standard that northern voters have applied to every candidate who has ever sought their support. And it is the standard that Peter Obi and Kwankwaso have demonstrably and completely failed to meet in relation to the documented insult directed at the Sardauna of Sokoto by a verified member of their political community in a publicly accessible national publication.

Mohamed Hussaini writes from Bauchi.

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