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OPINION

Karimi and the Reality of Our Collective Vulnerability

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By Tunde Olusunle

Commuters on the “Trunk A Road” as it was labelled, traversing Kabba-Aiyetoro Gbedde-Mopa-Isanlu-Egbe communities in Kogi State must have observed frenetic construction activities at the Egbe section of the road abutting Kwara State. I’m told vehicular movement is infrequent these days because of the decrepit condition of the road, its attendant loneliness and its susceptibility to the murderers rascality of criminals.

Travellers to parts of Kwara, Oyo and Osun, from parts of the North notably Nasarawa, Benue, Kogi and the Federal Capital Territory, (FCT) these days, prefer the Kabba-Omuo Ekiti road which is marginally less degenerate.
Okun-Yoruba people domiciled in their traditional abodes desiring to conduct business in contemporary Kwara State to which they once belonged, however, are left with no option but to ply the road under discussion. For them it will be easier to catch glimpses of ongoing construction in the area I previously alluded to. 

There is a signpost with the inscription *Ido Egbe* in the part of the expansive Egbe community where the said development is proceeding. A luminous perimeter fence covers the generous hectarage being developed at the said site. One particular structure rises sky high above the several others all capped with lemon-green aluminium roofing. The buildings vary in shape and size even as they are at various stages of completion. A long vehicle rests around the ongoing development, obviously one of many others feeding the project with its needs. You cannot but ask yourself whether the complex is a creation of the federal or state government, or a private investor desirous of doing business in the community. Or could it be a model residential estate? 

The project under reference is a *Military Foreward Operating Base, (FOB),* being developed by Sunday Karimi, the Senator representing Kogi West Senatorial Zone. Over the years, parts of the district have come under premeditated attack by armed robbers, kidnappers and unfeeling herdsmen. At various times, cold-blooded robbers have attacked banks operating in several communities in the zone. In every instance, they left behind a trail of crimson blood, sorrow and tears. From Kabba to Aiyetoro-Gbedde to Isanlu, to Odo-Ere and Egbe in Kogi West, the pattern of the hoodlums have been pretty much the same. They launch surprise attacks on the police stations in each community. They thus neutralise the capacity of the law enforcement agents to engage them when they eventually swoop on their major targets, the banks.

First Bank, Mainstreet Bank, United Bank for Africa, (UBA) and Access Bank at various times have been robbed by the hoodlums, during banking hours. The callousness of the nonessentials was so grave on every occasion that it spiralled down the subsistence economy of the locals. The banks shut down for long spells ostensibly to rethink their continuing operation or not in the district vis-a-vis the losses they incurred. They equally evaluated the costs of rebuilding decimated structures and facilities in each instance relative to whatever fiscal trickles they earned, juxtaposed with the costs of providing services to their predominantly low income customers. We are talking about farmers, small scale entrepreneurs, school teachers and local government employees mainly.

More recently, kidnapping for ransom a trend hitherto heard about from very distant ecologies, has become another dimension of criminal pastimes by faceless groups. Sleepy communities in Yagba East and Yagba West local government areas basking in their rustic innocence and quietude, have been rudely violated by harbingers of grief and lachrymose. In January this year, six people were kidnapped within a space of 48 hours, around Isanlu, headquarters of Yagba East. Three of them lost their lives trying to escape from their abductors. Two women were picked up from Ejiba in Yagba West last May, by a gang of one dozen gun-toting brigands. Okunland which previously epitomised the purest innocence, calmness, serenity and safety, has been grievously intruded upon. This is not forgetting the impudence and insult of having irreverent Fulani nomads marching their herds through our farmlands destroying the subsistence investments of the people.

As a fairly regular visitor to my home community for sundry events and programmes, I’ve often been very concerned about the inadequacy of the capacity of security operatives at the local levels. I speak here about insufficient personnel and armament wherewithal in our localities. Isanlu for instance is the headquarters of Yagba federal constituency which aggregates Yagba East, Yagba West and Mopamuro local governments. It is host to the area command of the police and oversees the three local government areas in question. I will be amazed, however, if there are up to 150 officers and men, or half that number of serviceable armaments in the armoury of the area command. I had reason to request for police cover for a family event we hosted about six years ago. The police apologetically replied and alluded to the inadequacy of manpower. I resorted to the Nigerian Security and Civil Defence Corps, (NSCDC) as backup plan. I was told straight up that the entirety of my local government area was served by 15 civil defence personnel. 

Critically, I was informed that most of the men had indeed been taken up by traditional rulers in our parts. The kings as it were desire that their royalty be heralded at every stop, courtesy of state uniform-wearing operatives functioning as human furniture, who sit on the front seats of their vehicles The royalties resorted to civil defence staff in the absence of police personnel to serve in as orderlies. Such are the confounding statistics and realities of the security architecture in our sub-urban communities. Let’s be reminded that hoodlums perfect their operational strategies before they take on a target, institution or community. This of course includes distilling the prevailing personnel and armament strengths of their targets. This explains why police stations in rural communities are almost always first targets where security personnel are neutralised and the armouries accessed and looted to strengthen their own capacities. 

Against the backdrop of such embarrassing and condemnable state failure at the very centre to protect and secure its citizens, this very basic constitutionally non-negotiable responsibility has had to be taken up not by subregionals, but private individuals. This is the new normal as we find in the example under interrogation. One has heard elsewhere of privileged Nigerians or organisations partnering security and intelligence services in the provision of operational needs and infrastructure. The *Military Forward Operating Base* in Egbe, however, is one hundred percent privately funded by Sunday Karimi. He has taken a broader view of the concerns of his people, with the aim of assuaging their overwhelming security worries. It is definitely a tall and ambitious project daring to conceive and build from foundation, a complex which can probably pass as a modern military barracks, but Karimi has confronted the challenge headlong. 

The “Foreward Operating Base” project under review is without doubts a visionary concept. It has the “observatory,” the tall structure which dwarfs the rooftops in the upcoming premises, where soldiers on guard duties will get a good view of the area and sensitise ground troops in the event of a possible threat. There is a security post and a mini-administrative block. There are also two blocks of 12 rooms each all ensuite, which come to 24 rooms for the “rank and file,” the junior officers. Boreholes have been drilled and will pump water to overhead tanks which will service the facilities and premises, downstream. Two units of three bedroom bungalows are provided for officers, while there is also rendezvous spot, an “officer’s mess” as is tradition with the military. Hopefully, a skeletal “mammy market” for the junior officers will spawn when the facility in its wholeness is operationalised. 

Expectedly, Karimi has either engaged with the military high command for the adequate manning of the facility, or has prioritised this now that the Egbe project is nearing completion. This again is part of the systemic dysfunction consuming our nation and we the citizenry. Why should government departments have to be begged and lobbied to do their jobs? This again beggars the question of either unthinkable complacency or pure lack of capacity in statecraft. On account of his present effort in helping to secure the lives and belongings of his people, Karimi deserves our collective applause. Like Leke Abejide his colleague in the House of Representatives who has championed impactful causes for his people, Karimi in this instance, has chosen to deviate from the despicable practice by some of our representatives, who have gleefully weaponised poverty. These are the mindless politicians who waylay our hapless rural folks with sachets of salt and packets of pasta on polls day. 

Tunde Olusunle, PhD, is a Fellow of the Association of Nigerian Authors, (FANA)

OPINION

This Trial of Oloyede

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By Tunde Akanni

It’s been traumatic for my entire family since that video started making the rounds. I sneaked a slight view… It’s our trial. It’s my trial. Oloyede is genuine. He is most sincere. He is modestly so, as well. For us, however, Allah knows best.

I was with a trader in the afternoon of what I considered a dark Wednesday, the 14th of May.
“Se bi won ni JAMB o get mo bayi…”.
I had to cut in immediately. Which JAMB? “Madam, that’s one person I will vouch, and vouch for…zero tolerance for corruption. Absolutely responsible with a high level of consciousness for the good of others. If certain things went wrong at JAMB, I agree it’s his responsibility to carry all pleasant and other burdens but just know that the bad side of the operations may as well be sabotage.
I have absolute trust in that man. Ask my own colleagues about me, but Oloyede is my own hero, somebody I have known for more than 40 years…”This is by no means a reductionist disposition to the tragedy induced by the so-called computer glitch. May the Almighty God in His infinite mercy console the parents of the candidate reported to have committed suicide. May God strengthen them to survive this gloomy phase of their lives and sustain them to reap bountiful compensation that will endure in their lives. It’s hard, so hard to pull tragedies of this magnitude. I personally feel for these parents.The said computer glitch, may we never fall victim to it. Those who work for big organisations requiring a large layout of ICT operations know what I’m talking about. Rather than being ‘solutional’, IT facilities can be unimaginably problematic sometimes, yet indispensable in this civilisational dispensation. This is not doubting deliberate sabotage, as may have happened in the case of JAMB. I’ve been part of Oloyede’s JAMB journey to attest to his commitment to offer his best for the otherwise sinking board.Far from being cosmetically exhibitionist, the Oloyede-led JAMB team, led by the Education minister, Tunji Alausa, went round the critical facilities of JAMB during the just concluded examination. Alausa saw, firsthand, like never before elsewhere in this country, how far JAMB had gone in its strive for transparency and the real-time monitoring of the conduct of examinations nationwide. Alausa, beyond being in awe, sought to make the JAMB effect spread immediately to other examination bodies.No be dem say, same day, the WAEC team came to JAMB and made it into the situation room, which was my own duty post. The NECO team followed suit afterwards, both duly led around by the sturdy lead IT consultant who’s been reliably there from Oloyede’s assumption of duty, Damilola Bamiro. Far richer, given that they charge more for their exams, the duo of WAEC and NECO were suddenly mandated to understudy the examination sector leader in Africa that JAMB has become over time.The staff of both WAEC and NECO suddenly had to undertake a professional excursion led through all the real time monitoring screens and other digital facilities. It was obvious they marvelled at what they saw, revealing a functional leader-subordinate synergy manifest with trendy output that the world can see and learn from.But that may even seem like the tip of the iceberg of the output of the hard work and commitment of the nation’s foremost icon of integrity in public service. A series of far more seemingly serious strides had been accomplished by Oloyede at JAMB. As a focused scholar, he keeps ensuring that every bit of the experience of the Board is treasured as worthy data to guide future actions and even subjects for further research.Not even the agencies dedicated to emergency matters in Nigeria could have been as prompt as the Oloyede management on this ugly glitch saga. Once the complainants began ventilating into the public space, JAMB rose to the challenge without any predictably traditional arrogant stance of government is always right. I was aware that a particularly strident public critic and a former students’ leader at Obafemi Awolowo University, Adeola Soetan commended the spokesperson for JAMB for the excellent handling of public complaints.Promptly, an independent team of investigators was set up to unravel the mystery leading to the rather depressing situation that now confronts us. The team, drawn from assorted but technically relevant constituencies, has found out that no fewer than 165 centres of over 800 examination centres nationwide were affected.Obviously well prepared for whatever the outcome may turn out to be, he braced up to the challenge to embrace the surrender value to tell it to the world as it is. This trial is for all of us who believe and trust Oloyede. I am in this group. So much so that his public cry infected me…It was a patriot’s cry for his beloved country. Like me, a former Law don at LASU, Dr Kilani wasn’t any less affected as demonstrated in a quick note to me: “I write to associate myself with the pain, sorrow and emotion of our own Professor Oloyede. I could not hold my tears seeing him cry. May Almighty Allah see him through. May we all not be put to shame…”But then came a soothing message from Gbade Osunsoko, my cousin: “…He will come out of this much stronger because Nigerians will trust him far better than a number of our leaders.. A man that makes mistakes happens under him and takes responsibility – it’s a big deal in Nigeria.”With Oloyede, young Nigerians with challenges regarding sight are no longer left to moan their fate endlessly, with adequate provision for their inclusion in the UTME. How many of our public facilities are this inclusion conscious as stipulated by SDGs? How come a legacy built through almost a decade at the very best cost ever possible will be made to crumble when the game changer leader remains ever modest? JAMB has steadily risen through thick and thin to accomplish its tasks to the admiration of stakeholders, nationally and internationally, under Oloyede. Both NNPC and the Nigeria Police, being beneficiaries, can attest to the current competence of JAMB. How many other numerous stakeholders nationwide never deemed to have any relevance to JAMB before Oloyede but have since become critical, if not indispensable players?But why does this sudden saddening encounter threaten our joy of service without blemish? Why this unforeseen truncation of a good story, so intentional, coming from Africa? Whodunnit? Surely the truth shall come out for the world to perceive and assess and get to appreciate the efforts and the quantum of commitment appropriated to the JAMB excellence project driven by Oloyede.One cannot but be deeply concerned. Before the very eyes of a few of us carefully selected to give support from our respective professional perspectives from the very beginning, Professor Oloyede’s concern for genuine growth and development was real. It is still real and increasingly so, as a matter of fact. Indeed, inimitable. It shall be well.Tunde Akanni is a professor of Journalism and Development Communications at the Lagos State University, LASU. Follow him on X:@AkintundeAkanni

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OPINION

Democracy, Institutions, and the Rule of Law

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Quest For Enduring Democracy in Nigeria
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By Kator Ifyalem

Democracy, often hailed as the cornerstone of modern governance, is a system that empowers citizens to participate in the decision-making processes that shape their lives. However, the mere existence of elections is not enough to ensure a fair, just, and prosperous society.

Without robust institutions, the rule of law, and ingrained values, democracy can become a hollow shell, susceptible to corruption, manipulation, and eventual collapse.
At its core, democracy is built on the principle that power resides with the people. This power is exercised through fair elections, where citizens choose representatives to govern on their behalf. The effectiveness of this system relies heavily on the strength of supporting institutions, adherence to the rule of law, and shared values that guide societal behaviour.
Institutions serve as the backbone of a democratic society, translating the will of the people into action. These include governmental bodies such as the legislature, executive, and judiciary, as well as independent organizations like electoral commissions, anti-corruption agencies, and human rights commissions. These institutions provide checks and balances, ensuring that no single entity or individual can accumulate too much power. They create a framework for accountability, transparency, and effective governance.An independent judiciary is crucial for upholding the constitution and protecting individual rights. Without it, laws can be manipulated or ignored by those in power, leading to tyranny. Similarly, a free and independent media acts as a watchdog, informing citizens and holding those in power accountable. When media institutions are weakened or controlled by vested interests, the flow of information is compromised, and citizens are unable to make informed decisions.The rule of law is another critical component of a functioning democracy. It ensures that all citizens, regardless of their status or position, are subject to the same laws and legal processes. This principle is fundamental to creating a fair and just society where everyone’s rights are protected. A robust legal framework, consistently and fairly enforced, provides the predictability and security necessary for social and economic development. It protects property rights, enforces contracts, and creates an environment conducive to investment and growth.Moreover, the rule of law is essential for protecting minority rights and preventing the tyranny of the majority. In a true democracy, the rights of all citizens must be respected, even if they are not part of the ruling majority. This protection is enshrined in laws and enforced through effective legal institutions.Values form the third pillar of an effective democracy. These shared beliefs and principles guide societal behaviour and inform policy-making. Democratic values include respect for human rights, tolerance of diversity, commitment to justice, and belief in the equality of all citizens. When these values are deeply ingrained, they act as a safeguard against authoritarian tendencies and help preserve the integrity of democratic institutions.For instance, a healthy democracy can be likened to a three-legged stool, where institutions, the rule of law, and democratic values form the legs. Just as a stool cannot stand stably without all three legs being strong and balanced, a democracy cannot function effectively if any of these elements is weak or missing. In Nigeria’s case, we’ve seen how weaknesses in one area, such as institutional challenges in election management, can put stress on the other legs, requiring the judiciary (rule of law) and civil society (democratic values) to bear more weight to maintain stability.Education plays a crucial role in instilling these values. A well-informed citizenry, aware of their rights and responsibilities, is better equipped to participate meaningfully in the democratic process. Civic education programs that teach the principles of democracy, the importance of institutions, and the value of the rule of law are essential for creating engaged and responsible citizens.The interplay between institutions, the rule of law, and values creates a self-reinforcing cycle that strengthens democracy. However, this cycle can also work in reverse. Weak institutions often lead to a breakdown in the rule of law, eroding democratic values and further weakening the system. This negative spiral will ultimately lead to the collapse of governance, even if the outward trappings of democracy remain.To prevent this decline, concerted effort is required on multiple fronts. Institutional capacity must be built and maintained through adequate funding, training, and support. The rule of law must be consistently enforced, with mechanisms in place to address corruption and abuse of power. This requires not only strong legal frameworks but also a commitment to their implementation.International cooperation also plays a role in strengthening democracy. Countries learn from each other’s experiences, share best practices, and provide support for development. However, it’s crucial to recognize that democracy cannot be imposed from outside; it must be nurtured from within.True democracy requires more than just the act of voting; it demands a comprehensive system of governance that respects the rights of all citizens, upholds justice, and promotes the common good. Strengthening these fundamental pillars (institutions, the rule of law, and values), is crucial in building more resilient, effective, and truly representative democracies that serve the needs of all citizens and contribute to global stability and prosperity. Where does Nigeria as a nation stand on this scale?

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OPINION

Reshaping Nigeria’s Student Loans for Inclusive Access

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By Tosin Kolade

In June 2023, President Bola Tinubu signed the Student Loan (Access to Higher Education) Act into law, marking an important step forward in the country’s approach to financing tertiary education.The initiative was designed to provide interest-free loans to students in higher institutions, thereby expanding access to education for financially disadvantaged youth.

However, nearly two years on, the scheme’s implementation remains burdened by challenges, prompting growing concern and debate among stakeholders.
In response to criticism of the original law, the Federal Government repealed and re-enacted the Act in April 2024.The revised legislation established the Nigerian Education Loan Fund (NELFUND) as a corporate entity responsible for managing and disbursing the loans.
Notably, the amended version eliminated restrictive eligibility criteria such as income thresholds and guarantor requirements.It also extended the scheme’s coverage to include students enrolled in government-accredited vocational training centres.To streamline access, the application process was simplified, requiring only a valid National Identification Number (NIN) and Bank Verification Number (BVN).Hence, all submissions were made via the NELFUND portal.In spite of these improvements, the scheme has continued to attract criticism.One of its most vocal opponents is the Academic Staff Union of Universities (ASUU).In a recent interview with a national daily, Dr Mwolwus Jurbe, Chairman of ASUU’s University of Jos chapter, outlined the initiative as “fundamentally flawed”.He argued that the scheme was unlikely to benefit its target groups, especially students from low-income families.“The scheme is pushing education out of the reach of the common man,” he said.Jurbe said that, amid high unemployment rates and soaring tuition fees, expecting repayments from indigent students was unrealistic.ASUU also raised alarms over reports that TETFund allocations might be redirected to fund NELFUND.The body warned that dismantling a functional funding mechanism in favour of an untested alternative could jeopardise the future of tertiary education in Nigeria.Meanwhile, the National Association of Nigerian Students (NANS), while generally supportive, has also expressed reservations.The association acknowledged the potential of the scheme to reduce dropout rates, but emphasised that the absence of scholarships or grants rendered it incomplete.NANS President, Comrade Olushola Ladoja, condemned the alleged mismanagement of NELFUND, calling for the dismissal of implicated officials and the publication of the 51 tertiary institutions reportedly involved.“Any vice-chancellor, rector or provost found culpable in the mismanagement of student loans must be removed from office.“Their actions sabotage the Federal Government’s effort to make education accessible to all,’’ Ladoja said.He urged Tinubu to probe the reported diversion of N71.2 billion and criticised NELFUND for excluding the national student leadership from key stakeholder engagements.Additionally, NANS called on the EFCC and ICPC to investigate the matter and advocated for a five-year post-NYSC loan repayment grace period, citing the employment difficulties faced by many recent graduates.Civil society groups have also raised concerns.The Education Rights Campaign (ERC) described the initiative as “badly thought-out, ill-conceived and fundamentally unworkable”.Hassan Soweto, National Coordinator of the ERC, lamented repeated delays in the loan rollout, calling it evidence of poor planning and political inertia.“It is a national embarrassment that almost a year after the law was signed, students are still waiting for funds,” he said.Worthy on note, trust in the scheme further eroded in August 2024 when it was revealed that no tertiary institution in the South-East had been included in the first phase of disbursements.Reacting, the Concerned Igbo Stakeholders Forum (CISF), led by Chukwuma Okenwa, condemned the omission as a deliberate act of marginalisation.Okenwa argued that excluding an entire geopolitical zone from a national programme violated the federal character principle.Although NELFUND claimed South-East schools had failed to respond to verification notices, the CISF rejected this explanation, insisting that at least one compliant institution should have been selected.Similarly, the Corporate Accountability and Public Participation Africa (CAPPA) expressed concern over NELFUND’s plan to limit eligibility to students in “high-demand” disciplines.Zikora Ibeh, CAPPA’s Senior Programme Manager, warned that the policy could marginalise students in the humanities, arts, and social sciences.“This approach risks deepening inequality by denying support to students whose fields may not be seen as immediately profitable but are crucial to national development,” she said.Also, controversy followed the announcement that the EFCC had donated N50 billion in recovered funds to the loan scheme.A Legal expert, Nnaemeka Ejiofor, cautioned that while well-intentioned, the EFCC lacked constitutional authority to reallocate recovered public funds without National Assembly approval.“Such actions, no matter how well-meaning, set a dangerous precedent,” he warned.Meanwhile, fee hikes across federal and state universities have exacerbated the financial burden on students and their families.In some cases, tuition fees have surged by as much as 1,000 per cent.A University of Lagos student, Michelle Njemanze, shared that her tuition rose from N16,000 to N196,000 in a single academic session.For many, the student loan scheme remains a promise yet to be fulfilled.Although the Tinubu administration allocated N200 billion to the scheme in the 2024 budget and appointed banking executive Jim Ovia as chairman of the NELFUND board, disbursement delays continued well into May 2025.In response to growing dissatisfaction, NELFUND recently announced a major overhaul of its application system.NELFUND Chief Executive Officer, Mr Akintunde Sawyerr, recently revealed that the agency was deploying a fully digitised, user-friendly platform to streamline the loan process and eliminate bureaucratic delays.“Education is a right, not a privilege; with this technology-driven model, we are establishing a transparent and efficient system that puts students first,” he said.Sawyerr added that the reforms aligned with Tinubu’s Renewed Hope Agenda, which prioritised educational access and youth empowerment.According to him, more than 320,000 students had already benefited from the scheme, with thousands more undergoing verification as operations scale-up.Looking ahead, NELFUND also plans to integrate its systems with institutional portals across the country.This collaboration aims to enable seamless data exchange, automate student record verification, and speed up loan processing.While recent reforms are encouraging, experts insist that sustained political will, transparency, and inclusive policies are essential to realise the full potential of Nigeria’s student loan scheme.They agree that, in theory, the loan scheme offers a vital opportunity to democratise access to higher education in Nigeria.In practice, however, its rollout has been hindered by legal ambiguities, implementation delays, and regional inequities.If these challenges remain unresolved, experts warn, the scheme may end up widening the very educational gap it was intended to close. (NAN)

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