Editorial
Loans Refund: Need For Prudence
Towards the end of November last year, President Muhammadu Buhari, took another bold step to provide direct stimulus to cash-strapped states groaning under harsh economic conditions occasioned by the crushing recession in the country by approving a total of N522.74billion disbursement to states as reimbursement for over-deductions on external debt service. Earlier in the administration, the President had rolled out bailout funds in government spending to enable no less than 28 States settle arrears of outstanding salaries of civil servants and allowances of pensioners, who were being owed between four and 14 months of their entitlements.
A statement by the Minister of Finance, Mrs. Kemi Adeosun, said the debt service deductions amounting to some $4billion were in respect of the Paris Club, London Club and multilateral debts of the federal and state governments. Signed by the media aide to the minister, Mr. Festus Akanbi, November 21, 2016, the government said the reimbursements would be effected in tranches.
It would be recalled that the Federal Government reached a final agreement for debt relief with the Paris Club in October, 2005, during the Presidency of Chief Olusegun Obasanjo. The former Minister of Finance, Dr Ngozi Okonjo-Iweala, was said to have overpaid the financial institutions when Nigeria cleared debts owed the foreign creditors in 2005. But before then, accounts of some States had already been overcharged.
Following the realisation, some state governments had last year submitted to the Federal Government, claims of over-deductions for external debt service between 1995 and 2002 as a result of allocations on First Line Charge deductions from the Federation Account Allocation Committee (FAAC). In response to the request for refund, Buhari directed that the claims be subjected to verification by the Debt Management Office.
Consequently, a team was established and given the mandate to scrutinise the claims and reconcile them with available records. The committee, having reached the conclusion of over-deductions in the accounts of aggrieved states, the President convened a meeting with governors of the states on December 2, 2016, during which an agreement was reached to pay 25 per cent, over the next 12 months, after due diligence and thorough scrutiny, the amounts claimed subject to a cap of N14.5 billion to any given state. The President also promised that balances due any state thereafter would be revisited whenever fiscal conditions improved. On account of that, the first and second tranches amounting to N388.304billion have already been credited to 35 States as at December 27, 2016, with the balance of N134.44 billion soon to be accessed.
Given the experiences in the past when extra-budgetary funds released to stimulate the economy, including the bailout funds to the states were diverted without regard for accountability and the due process, Buhari’s predication of the present disbursements on a viable structure, is indeed, commendable. Under the current structure, the President told the governors that his overriding concern is the welfare of the Nigerian people, considering the fact that many states are owing salaries and pensions, thereby causing considerable hardship on the populace.
He, therefore, directed that releases must be credited to an auditable, especially BVN-linked and verifiable accounts, from which payments to individual creditors would be made. He also pleaded with the governors to ensure that a minimum of 50 per cent of any amount disbursed be dedicated to payment of salaries and pensions while the remaining 50 per cent can be expended on pro-people projects and programmes.
And since the reconciliation process is still on-going with the final outcome likely to show an under or overstatement of claims, the Federal Government got the governors to sign undertaking, with a declaration that in the event that the amount already paid exceeds the verified claim, the surplus would be deducted directly from affected states’ monthly FAAC allocations.
Having taken such proactive steps, we urge the Federal Government not to see the current arrangement as a mere gentleman’s agreement but to monitor its implementation to the letter. We agree that as a federation, the Federal Government is not expected to interfere in the affairs of the states; however, nothing stops it from seeking to ensure that the released funds are not frittered away by state governments.
Now that more than half of the refund has been released, we demand that any state government that still fails to comply with the gentleman’s agreement should be denied the last tranche of the disbursements. The Tide also urges the leaderships of Nigeria Labour Congress (NLC) and the Trade Union Congress (TUC) to take special interest in the terms of agreements guiding the disbursements, and ensure they assist state governments to achieve judicious utilisation of the refunds.
In addition, we appeal to the state governments to utilize the reimbursements for over-deductions on external debt service as agreed, and not squander same as free money to fund unrealistic projects initiated to massage political egos of ruling parties and politicians. We agree that paying the salaries of civil servants and allowances of pensioners will enhance their spending power and lubricate the economy, thus, cushioning the effects of the recession on the entire citizenry.
We further advise the state governments to monitor the projects on which 50 per cent of the released funds will be expended very diligently. If for nothing, majority of Nigerians whose confidence in government is already fading are bound to respond positively to projects with direct bearing on their lives. We also urge state governors to shun the temptation of initiating unviable projects while ignoring those initiated by their predecessors for political reasons.
Governance is a continuum and the times demand patriotism and focus, not grandstanding. This is why we expect high level of transparency and accountability on the part of state governors, on what they intend to do or have already utilised the money on, simply because they owe the general public a duty to account for all their activities while they superintend the affairs of the states. This is our take!
Editorial
That Call to End Girl-Child Marriage
Nigeria joined the world in commemorating the International Day of the Girl-Child on 11 March 2026, an observance dedicated to advancing girls’ rights and amplifying their voices. This year’s theme, “End Child Marriage and Invest in Girls’ Rights,” confronts a deep-rooted injustice and demands an end to sacrificing girls’ futures to prejudice and expediency.
The focus is child marriage, not as an unavoidable misfortune but as a preventable injustice. Though prevalent in many societies, the practice remains particularly troubling in parts of northern Nigeria, where it has become normalised. Reports of girls aged 10 to 13 being married off are disturbing. The controversy surrounding a Nigerian senator and former governor who married a 13-year-old girl further exposed the practice to global scrutiny, yet accountability at home appeared limited. When lawmakers disregard the law, society’s moral compass is compromised.
UNICEF’s statistics reveal the scale of the crisis. Globally, an estimated 650 million women and girls alive today were married before turning 18, while more than 12 million girls enter marriage annually before adulthood. In Nigeria, about 33 per cent of girls marry before 18 and 11 per cent before 15. The prevalence reportedly reaches 63 per cent in Jigawa and Zamfara States and 61 per cent in Sokoto and Katsina. These figures represent millions of childhoods interrupted and futures imperilled.
These statistics explain why the United Nations continues to campaign against child marriage and advocate investment in girls. The consequences are devastating. Girls whose bodies are not fully developed face increased risks of maternal death, obstetric fistula, sexually transmitted infections and psychological trauma. The economic cost is equally significant. A 2017 World Bank and International Centre for Research on Women Study estimated that ending child marriage could generate an additional $7.6 billion in earnings and productivity for Nigeria, as early marriage deprives girls of education, skills, and opportunities to contribute to national development.
Educating a woman benefits the entire society. As a mother, she often becomes her children’s first teacher and a vital influence on their character. An educated mother helps raise enlightened children, just as one candle can light many others without losing its flame. Denying women education undermines families and communities. To expect wisdom while deliberately withholding knowledge is to demand the impossible.
Several reasons are offered for marrying off young girls, including economic hardship, cultural practices and religious beliefs. In some households, daughters are treated as commodities, married early so that their bride price can finance their brothers’ education. While boys enter classrooms, their sisters are sent to matrimonial homes. This discriminatory practice is shortsighted, depriving the nation of half its human potential. A country cannot expect to run effectively after deliberately crippling one side of its capacity.
Beyond these justifications lies the entrenched belief that women ultimately belong in the kitchen, regardless of their education. This outdated notion is demonstrably false. Countries where women lead governments, businesses, research institutions and other sectors show what investment in female talent can achieve. Rwanda’s substantial female parliamentary representation is one example. Confining women to domestic roles limits not only their ambitions but also the nation’s progress.
A girl-child must not surrender her childhood to poverty or prejudice. Some traditions discourage women from attaining educational heights comparable to or greater than those of men, driven by the baseless fear that educated women will disrespect their husbands. Such thinking equates enlightenment with insubordination and empowerment with threat. This patriarchal mindset perpetuates inequality and keeps society trapped in backwardness.
Consequently, some parents consider educating their daughters a waste of resources, likening it to watering another man’s garden. This attitude is deeply misguided. Every girl deserves the opportunity to learn, grow and pursue her dreams. Early marriage mortgages her future, stifles her potential and traps her in circumstances she might otherwise overcome. No society can justify sacrificing a child’s prospects to outdated customs or immediate financial gain.
Ending child marriage must, therefore, go hand in hand with investing in girls’ education, safety and rights. Every girl should have the opportunity to realise her potential. This requires more than annual declarations, billboards, posters and seminars held in air-conditioned halls. Awareness without action is like a cloud without rain: promising, yet incapable of nourishing the ground.
The campaign must move beyond tokenism to practical intervention, particularly at the state level, where the problem is acute. Governments should formulate policies that protect girls and make education accessible. Scholarships, bursaries, conditional cash transfers, school feeding programmes and other incentives can help keep girls in school. When education is affordable and adequately supported, more girls can choose the classroom over the bridal chamber.
Civil society organisations, faith-based groups, and traditional institutions must intensify efforts to challenge child marriage and dismantle harmful beliefs disguised as religious or cultural obligations. Parents must also uphold their responsibility to protect and educate their daughters, despite economic pressures. A society that educates its girls invests in its future; one that marries them off in childhood mortgages that future at an incalculable cost.
Editorial
Restructure the UN Power Arrangement
Editorial
Time To Resolve The Pension Crisis In Rivers
The prolonged suffering of Rivers State pensioners who have remained unpaid since retiring in July 2025 demands urgent executive and legislative intervention. The Nigeria Labour Congress (NLC) has rightly put its finger on the Contributory Pension Scheme (CPS) as the root cause of this crisis. The state government must now bite the bullet, dismantle this failed experiment, and bring the pensioners’ protracted ordeal to an end.
Since July 2025, the affected retirees have been left high and dry, their monthly pensions unpaid, and their dignity worn away. The NLC, under the leadership of Comrade Alex Agwuanwon, has also linked this deplorable situation to the political storm that engulfed the state, while expressing cautious optimism that the prevailing calm will pave the way for the payment of outstanding arrears. The Tide shares that optimism. However, optimism alone will not put food on the table for men and women who gave the best years of their lives to the service of the state.
The genesis of this crisis is not shrouded in mystery. The CPS was introduced in Rivers State in 2012 under the administration of former Governor Chibuike Rotimi Amaechi, pursuant to the Rivers State Pension Reform Law of that year. The scheme was ostensibly designed to bring the state into line with the federal Pension Reform Act of 2004, which had established a contributory framework for retirement benefits across the country. What was sold as a progressive reform has, in truth, become a millstone round the neck of the very workers it was meant to protect.
The CPS has failed in the state, and it has failed spectacularly. Its fundamental flaw lies in the government’s chronic inability, or unwillingness, to honour its counterpart funding obligations. The arrangement was meant to be a joint endeavour: employees contribute a portion of their salaries, and the employer matches it. But the state has consistently failed to keep its side of the bargain, leaving the pension fund anaemic and unable to meet its obligations. The result is as predictable as it is unconscionable. Retirees are left with only their own contributions to fall back on, a mere pittance that cannot see them through their twilight years.
The human cost of this institutional failure is staggering. Men and women who devoted decades to the civil service now find themselves cast adrift, their legitimate expectation of a secure retirement shattered. The psychological toll of such betrayal is beyond measure. A pension is not an act of charity. It is a contractual obligation, a deferred wage for services already rendered. To withhold it is to break a sacred trust. The authorities must understand that every delay in resolving this crisis costs lives, both in the literal sense as elderly retirees struggle to pay for healthcare and sustenance, and in the figurative sense as the social contract between the state and its workforce wears thinner with each passing month.
This development does not show the government in a favourable light. For a state to allow people who served it with dedication and integrity to languish in penury after retirement is morally indefensible. It sends a chilling message to serving civil servants that loyalty will be repaid with abandonment. This is precisely why organised labour must not rest on its oars. The NLC’s call for the termination of the CPS is not mere grandstanding. It is a necessary corrective. The scheme, as presently administered, is irredeemably broken and must be done away with.
The most damning indictment of the CPS since its inception is its one-sidedness. The government has failed to pay its counterpart funding, reducing the scheme to a hollow shell. Of what use is a contributory arrangement when only one party contributes? Retirees cannot be expected to live on the meagre sums they themselves set aside, sums which have been steadily eroded by inflation and administrative charges. Workers have been short-changed, left to carry the can while the government looked the other way. It is a quiet expropriation of their future.
The time to put this right is now in the interest of justice, equity, and fairness. The NLC should push harder for the swift implementation of its committee’s report to Governor Siminalayi Fubara. That report contains a sensible and pragmatic recommendation: that the CPS should apply only to those employed in the year it was enacted, thereby allowing existing civil servants to remain under the Defined Benefit Scheme (DBS) to which they were originally entitled. This is not a radical proposal. It is a reasonable compromise that recognises the legitimate expectations of long-serving workers and rights the wrongs of the past.
The authorities must act with dispatch. Governor Fubara should, without further ado, send a draft amendment of the Pension Law to the House of Assembly for passage into law. With such legislative intervention, those who retired from July 2025 to date would be returned to the DBS, receiving pensions calculated on their terminal salaries and years of service rather than the paltry sums available under the failed contributory arrangement. The NLC, for its part, should keep its foot on the pedal through dialogue, advocacy, and, if necessary, peaceful protest. Pensioners deserve not just fine words but concrete action.
Rivers State cannot lay claim to be progressive while its retirees are forced to go cap in hand for their rightful entitlements. The measure of any civilised society is how it treats its elderly. By that yardstick, the present situation is a blot on the state’s escutcheon. The government must clear the backlog of arrears, scrap the CPS for the category of workers it should never have applied to, and restore the DBS in full. Nothing less will suffice.
-
Niger Delta9 hours agoDiri Restates Stance On Lagos-Calabar Coastal Highway
-
Niger Delta9 hours agoC’River, NUJ Pay Tribute To Late Guardian Editor
-
News10 hours agoNDLEA Recovers Tons Of Illicit Drug Consignments In Nine States
-
Opinion9 hours agoChecking Voter Apathy In Nigeria’s Electoral Process
-
Sports6 hours agoNigerian Trio Target Titles At PFL Africa Finals
-
Education7 hours agoFCE Yola Graduates 3,555 Teachers , Seeks Upgrade to University
-
Politics6 hours ago2027: DICKSON’S EX-ALLY VOWS TO WORK AGAINST NDC INTEREST IN BAYELSA
-
Politics6 hours ago2027: GROUP PLEDGES 40,000 SUPPORTERS FOR COALITION CANDIDATES IN RIVERS
