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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

Beyond the Numbers: What the Ekiti 2026 Governorship Results Reveal About Coalition Politics and Path to 2027

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By Abass Sherifat Taiwo

Returning Officer Adenike Oladiji, a professor and Vice-Chancellor of the Federal University of Technology, announced the results in the early hours of Sunday, at roughly 3:13 a.m. Incumbent Governor Biodun Oyebanji of the APC won comfortably, polling 319,224 votes across the state’s 16 local government areas. His closest challenger, the PDP’s Oluwole Oluyede, trailed far behind with 40,543 votes, while the ADC’s Dare Bejide came in third with 12,872 votes.

Of the 384,940 voters accredited for the election, 375,777 cast valid votes, a validity rate of about 97.6%, suggesting relatively few spoiled or rejected ballots.

Oyebanji’s win carries added weight as the first consecutive re-election in Ekiti’s history, a state known for unseating incumbents since 1999. His dominance was also total: he won all sixteen LGAs, and even his closest contest, in Ikere, was still a comfortable margin. His five strongest councils alone delivered nearly half his statewide votes, showing concentrated rather than thin support.

Elite alignment mattered too. For the first time, every living former Ekiti governor backed his re-election, leaving the opposition without any prominent defectors to rally behind. This unified backing functioned as a coordinated endorsement strategy, a visible signal of consensus that opposition parties had no comparable message to counter.

Between the opposition parties, PDP’s showing is more telling than ADC’s. ADC placing third as a newer platform isn’t surprising, but PDP, a long-established national party, barely crossed 3,000 votes in most councils, pointing to weak grassroots structure rather than just a bad cycle. The deeper question is whether this reflects a structural failure or a failure to sustain visibility and message presence at the ward level between election cycles.

Party | Votes | % of Valid Votes
APC | 319,224 | 84.95%
PDP | 40,543 | 10.79%
ADC | 12,872 | 3.43%
ADP | ~1,289 | 0.34%
Accord | 564 | 0.15%
LP | ~263 | 0.07%
AAC | ~188 | 0.05%

When the vote totals of every opposition party are combined, they amount to roughly 55,719 votes, or about 14.83% of all valid votes cast, a stark contrast to the APC’s dominant 84.95% share on its own. Even in a hypothetical scenario where every opposition party ran on a single, fully united ticket, their combined total would still fall short of the APC’s by approximately 263,505 votes. This gap illustrates just how commanding Oyebanji’s victory was: it was not simply a matter of a divided opposition splitting votes among several parties, but a result that would have withstood even total opposition unity.

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Following the Ekiti result, APC framed it as proof of growing national support ahead of 2027, pointing to the rise in its vote totals in the state from about 187,000 in 2022 to roughly 318,000 in 2026, and projecting even higher numbers for Tinubu in 2027. Opposition parties, including the ADC and SDP, pushed back, arguing that Ekiti’s off-cycle, low-turnout nature makes it a poor predictor of a national contest.

Both claims need scrutiny. APC’s growth trend is real, but it happened in a state the party already governs, where incumbency and federal attention worked in its favour, so it says more about consolidating an existing stronghold than expanding into contested territory. The opposition’s caution is fair, but understates that APC’s structural advantages, incumbency and federal resources, aren’t unique to Ekiti and could repeat elsewhere. The more accurate takeaway is that Ekiti confirms APC’s strength where it already holds power, without proving it can replicate that in genuinely competitive states by 2027.

ADC’s third-place finish in Ekiti, just 3.43% of the vote, looks unremarkable on its own, but it only makes sense next to the party’s national story. A year earlier, ADC had positioned itself as the face of a new opposition coalition, pulling in heavyweight names like Atiku Abubakar and Peter Obi with the promise of a unified front against the APC. That promise hasn’t held: Obi and Kwankwaso have since defected to a rival platform, the NDC, while ADC battles leadership disputes and court cases that put its own 2027 participation in doubt.

That is the real lesson here for coalition politics as a communication problem, not just a structural one. ADC did not fail for lack of big names, it had plenty. What it could not do was hold one coherent message together once multiple egos and regional bases began pulling in different directions. Whether it can still become the platform it promised by 2027 is uncertain, but Ekiti is an early sign of a bigger unraveling.

Beyond Ekiti, the result speaks to a deeper pattern in Nigerian opposition politics: alliances are far easier to announce than to sustain. This suggests APC’s greatest advantage going into the next general election may not be its own performance, but the opposition’s continued inability to stay united. The near-total validity rate and one-sided outcome in Ekiti also raise questions about how genuinely competitive Nigeria’s state elections currently are, and whether low-turnout, off-cycle polls like this one can reliably signal national voter sentiment.

The Ekiti result is less a story about Oyebanji’s popularity alone than about the opposition’s structural fragility. Even a fully united opposition ticket would not have closed the gap, which means the problem isn’t vote-splitting, it’s organisational weakness, unstable coalitions, and the absence of a party capable of matching APC’s machinery and incumbency advantages. What Nigeria’s opposition needs before 2027 isn’t just structural unity, but a coherent, disciplined communication strategy capable of sustaining one message across factions, something no coalition has yet demonstrated. Until Nigeria’s opposition can build a coalition that survives contact with real electoral pressure, results like Ekiti’s are likely to repeat themselves in APC strongholds heading into 2027.

By Abass Sherifat Taiwo
Department of Development and Strategic communication University of Abuja
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Opinion

Governor Abba Kabir Yusuf Has Earned a Vote of Confidence on Education

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By Hon. Muhammad Sanusi S. Kiru, FCIA
(Former Commissioner of Education, Kano State)

There comes a time in public discourse when fairness must prevail over partisanship and facts must take precedence over preconceived opinions. That moment has come in my assessment of the educational reforms being implemented by the administration of His Excellency, Governor Abba Kabir Yusuf.

As a former Commissioner of Education and someone who has consistently evaluated government performance with candour, I owe the people of Kano State an honest appraisal of the Governor’s performance in the education sector. After objectively reviewing the administration’s interventions from 2024 to 2026, particularly its determined efforts to address the acute shortage of teachers, I have reached an inescapable conclusion: Governor Abba Kabir Yusuf deserves a vote of confidence for his outstanding commitment to the development of education in Kano State.

One of the greatest challenges confronting our educational system has been the persistent shortage of teachers, resulting in unfavourable teacher-pupil and teacher-student ratios across many public schools. This problem has adversely affected the quality of teaching and learning for many years.

The present administration has confronted this challenge with courage and determination. Between 2024 and 2026, the government recruited or absorbed 8,715 permanent teachers and engaged 3,688 temporary BESDA Cohort V teachers, bringing the documented total to 12,403 education personnel. With recruitments by other education agencies, the overall figure is widely estimated at approximately 13,000 teachers.

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This represents one of the largest teacher recruitment exercises in the history of Kano State. More importantly, it is a strategic investment in the future of our children and in the long-term development of the state. By substantially reducing the teacher deficit, the administration has strengthened both the basic and post-basic education subsectors and created a stronger foundation for improved educational outcomes. The new recruitment not only means making our classrooms more vibrant and ensuring that teaching is consistently taking place, but it also signifies a positive shift in the narrative reflected in monitoring reports, the annual school census, and national personnel data.

Looking at the tangible achievements now before us, particularly in education, it is clear that the administration has made significant and commendable progress. Leadership should always be judged by measurable accomplishments, and in this regard, the Governor has acquitted himself admirably.

One area where the administration must, however, improve is public communication. Many of its remarkable achievements have not received the publicity they deserve. A well-coordinated and effective publicity strategy would ensure that citizens fully appreciate the scope and impact of these landmark interventions.

As His Excellency prepares to personally attend the special ceremony for the presentation of appointment letters to the newly employed teachers on Tuesday, 21st July 2026, I consider it appropriate to congratulate him on this historic milestone. The ceremony is more than a presentation of appointment letters; it is a celebration of renewed hope for thousands of families, a reaffirmation of government’s commitment to quality education, and a significant step towards building a stronger educational system for future generations.

I wish His Excellency a successful and hitch-free ceremony and pray that Almighty Allah grants him wisdom, good health, and continued strength to sustain the ongoing transformation of the education sector. May this programme mark the beginning of even greater achievements in the quest to provide every child in Kano State with access to quality education delivered by competent and dedicated teachers.

Governor Abba Kabir Yusuf deserves sincere commendation for these giant strides. If this policy of continuous recruitment and investment in teachers is sustained, it will undoubtedly be remembered as one of the defining legacies of his administration. Future generations will look back on this period as a turning point in the educational history of Kano State.

I therefore extend my heartfelt congratulations to His Excellency and offer him a well-deserved vote of confidence. I also wish him every success as he formally presents appointment letters to these newly recruited teachers on Tuesday. May the occasion be memorable, successful, and another milestone in the march towards educational excellence in Kano State.

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Kashim Shettima and the Question of Continuity in 2027

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Kashim S

By Baba Dantiye, MON, mni, FNGE

As Nigeria gradually approaches another election cycle, political discussions are naturally beginning to focus on the choices that will shape the 2027 general elections. Among the issues attracting attention is the question of presidential tickets and, particularly, the role of Vice President Kashim Shettima within the current administration.

The choice of a running mate is one of the most significant decisions in any presidential contest. It involves considerations that go beyond electoral calculations. Factors such as competence, experience, political balance, governance record, public perception and the ability to complement the President’s vision all play important roles.

Against this background, the performance, public service record and leadership contributions of Vice President Kashim Shettima have become central to discussions about continuity and the future direction of the Tinubu administration.

Since assuming office in May 2023, Shettima has occupied an important position within the administration of President Bola Ahmed Tinubu. As Vice President, his responsibilities have included representing the President at official engagements, chairing strategic meetings, coordinating government initiatives and engaging with national and international stakeholders.

One of the notable features of the Tinubu-Shettima partnership has been the public display of cooperation between the President and his deputy. Nigeria’s political history has witnessed instances where relationships between presidents and vice presidents became strained, creating distractions that affected governance. The relatively smooth working relationship between the two leaders has been viewed by observers as an important factor in maintaining stability within the administration.

Shettima has consistently presented himself as a supportive deputy, focusing on responsibilities assigned to him and contributing to the implementation and communication of government policies.

In political leadership, loyalty is often considered alongside competence and capacity. A Vice President is expected not only to support the President but also to bring experience, judgment and independent value to governance. Supporters of Shettima point to his ability to maintain this balance by remaining committed to the administration while drawing from his extensive background in public service.

His leadership of the National Economic Council (NEC) is one of the key areas in which his role has attracted attention. The Council provides a platform for collaboration between the Federal Government and state governments on issues affecting economic development, infrastructure, agriculture, energy and other national priorities.

Chairing such a body requires political maturity, patience and the ability to manage diverse interests. Nigeria’s governors represent different political parties, regions and perspectives. Effective coordination therefore depends on consultation, dialogue and consensus-building.

As a former Governor of Borno State, Shettima brings practical experience of state administration and an understanding of the challenges faced by sub-national governments. This background has been useful in facilitating discussions between the Federal Government and State leaders on issues requiring collective action.

The Vice President has also been involved in government efforts relating to economic coordination, food security and other national development priorities. While the long-term impact of many policies will continue to be assessed, his role demonstrates the importance of coordination and collaboration in a complex federal system.

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Another area frequently discussed is his role in communicating government policies. The current administration has introduced significant economic reforms that have generated extensive public debate. In such circumstances, communication and public engagement become important elements of governance.

Shettima has consistently used public platforms to explain government positions, engage stakeholders and present the administration’s perspective on national issues. His approach has generally emphasised patience, understanding and the long-term objectives of government programmes.

Beyond his current office, Shettima’s experience as Governor of Borno State remains an important part of his public record. He governed during one of the most challenging periods in Nigeria’s recent history, when the Boko Haram insurgency created serious security and humanitarian difficulties.

Leading Borno State during that period required resilience, crisis management skills and the ability to work with security agencies, traditional institutions, humanitarian organisations and development partners. His administration operated under extraordinary circumstances while attempting to sustain government services and support affected communities.

That experience contributed to his understanding of security management, humanitarian challenges and the relationship between peace, stability and development.

His political journey also reflects experience across different levels of governance. Before becoming Vice President, he served in the Senate, where he participated in national legislative processes and gained further exposure to federal governance. His experience as a former governor, legislator and Vice President has shaped his understanding of Nigeria’s political and administrative environment.

Observers have also highlighted his relationship with his successor in Borno State as an example of political transition without public disagreement. In Nigeria’s political environment, where transitions between elected officials can sometimes lead to conflicts, peaceful succession and institutional continuity are often regarded as positive developments.

The Vice President’s relationship with Northern stakeholders has also formed part of discussions around his political relevance. Through engagements with traditional institutions, business communities, professional groups and other stakeholders, he has remained one of the administration’s prominent voices in explaining government policies and national priorities.

The North remains an important component of Nigeria’s political landscape, and leaders from the region have historically played significant roles in national affairs. Shettima’s experience and political network have contributed to his visibility in national conversations.

However, the question of a presidential ticket involves broader considerations beyond the performance of an individual office holder. Political parties must consider issues such as national spread, electoral strategy, changing alliances, public sentiment and the overall objectives of the party.

Different perspectives will naturally emerge as Nigeria moves closer to 2027. Some may emphasise continuity and the value of retaining an established partnership, while others may advocate different approaches based on evolving political circumstances. Such debates are part of the democratic process.

Ultimately, the decision on the composition of the presidential ticket will rest with President Bola Ahmed Tinubu and the leadership of the All Progressives Congress. Their decision will reflect political consultations, strategic considerations and their assessment of what best serves their objectives and the country.

Nevertheless, public discussion remains important because democracy is strengthened when citizens assess leaders based on performance, responsibility and contributions to national development.

A successful administration depends not only on policies but also on teamwork among those entrusted with implementing them. Stability, trust and institutional experience are valuable assets in governance, particularly in a country as complex and diverse as Nigeria.

Whether continuity is ultimately preferred or a different path is chosen, the debate underscores an enduring principle: democratic leadership is strengthened when decisions are informed by performance, experience, constitutional responsibility and the public interest. As Nigeria looks ahead to 2027, the experience, service and contributions of Kashim Shettima will remain central to any serious assessment of the choices before the nation.

About the Writer

Baba Dantiye, MON, mni, FNGE, is a former Commissioner for Information and Internal Affairs, Kano State and former President of the Nigerian Guild of Editors (2003–2008)

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