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Repeal Contributory Pension In Rivers

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To say the Contributory Pension Scheme (CPS) leaves much to be desired by public servants in Rivers State, is a mild expression of an exceedingly ugly situation. Retirees under the Contributory Pension Act are suffering because they are denied several years of benefits following non contribution of counterpart fund by employers for the period preceding the implementation of the amended 2014 Act. In 2004, retirees were compulsorily asked to join Annuity operated by Insurance company or programmed withdrawal under the Contributory Pension Scheme operated by Pension Fund Administrators under the control of PENCOM. By virtue of 2014 amended Act, the ugly narrative of retirees has not changed.
The obnoxious Contributory Pension Scheme denies retirees having greater share of lump sum after retirement and dispenses a paltry monthly pension to retirees across  board under this scheme. Mr. John Paago (not his real names) served the Federal Government of Nigeria from July 15, 1981 and retired on July 15, 2016 on salary Grade Level 14, having worked for a mandatory period of 35 years and attained the maximum age of 60 years. For all the years he put in, the total balance standing to his credit was N6,745,823.34. Of this amount,  he was paid a meagre 25 per cent which amounted to N1,686,455.84 while the balance of 75 per cent was retained by his Pension Fund Administrators for their  investment in capital market and other large institutions with high returns which is never added to retirees’ paltry monthly pension payment while still alive.  Paago receives N26,703.15 every month as Pension since 2016 till now, despite the huge profits declared every year under Contributory Pension Scheme. No doubt, the monthly pension given to Mr. Paago  cannot buy a loaf of bread at the price of N1,000 currently per day for 30 days.
Unfortunately, every day prices of goods and services are on the increase unprecedentedly, while workers and retirees under the old scheme – Defined Benefit Scheme had their salaries and pension increased across all levels, the Contributory Pension Scheme retirees are abandoned to their fate. It is pertinent to say that retirees under the Contributory Pension Scheme face the same adverse socio-economic challenges like their counterparts under the Defined Benefit Scheme  (DBS).  Though the contributory pension scheme was designed to remedy the alleged deficiencies and inadequate funding of the DBS by pooling funds from employers and employees’ contributions to Pension Funds Custodians, retirees under the scheme, have not fared better than those who retired under the DBS. Conversely, the implementation of the contributory pension is a far cry from what its proponents lulled employees to believe. Complaints ranging from under payment of retirees under the scheme, despite several years of service (some of whom served for 35 mandatory years), corruption, non-compliance of State governments and other employers to provisions of the  Reform Act, 2014, characterise implementation of the Scheme, which Labour leaders in the country describe as anti-workers and retirees welfare.
Dissatisfied with the scheme, the Association of Senior Civil Servants of Nigeria appealed to the Federal Government to scrap the scheme, describing it as a “huge fraud”.”The Present contributory pension policy of the federal government should be scrapped. We discovered lately that the pension  policy is a fraud on workers”, posited Yusuf Emmanuel, Chairman-General Ministry of Defence Unit 2, Lagos Outstations. In the same vein, the Rivers State Chairman of Nigeria’s Mother Labour Unions – Nigerian Civil Service Union, also appealed to the Rivers State Governor, Sir Simirilayi Fubara to “outrightly repeal” the contributory pension scheme in Rivers State, because “It is not in the interest of civil servants”. Comrade Chuks Osummah, the Rivers State Chairman of the Nigeria Civil Service Union, who made the appeal at the event to mark the Union’s 111 years of existence in Nigeria, expressed worry over the fate of workers who will retire under the contributory pension scheme.
“We are calling on the Executive Governor of Rivers State to abolish the contributory pension act as it is not in the interest of Rivers State civil servants”, a worried Osummah said. The fears of public/civil servants are not unfounded because though over 25 States of the Federation have adopted the scheme in principle by enacting relevant legislation, only six States of the Federation and the Federal Capital Territory — Abuja, have fully complied with the provisions of the extant laws on the pension reform act. Full compliance and implementation of the scheme has remained an uphill task denting the integrity of the scheme and its purported benefits for workers in the public, private and informal sectors the scheme was designed to cover. It is also evident that while some State governments deduct and remit workers’ contribution, the states have failed to contribute their counterpart fund to the scheme; This violates provision of contributors’ right as enshrined in section 4(1) the Pension Reform Act 2014. The section provides that as an employee’s right, the employer shall contribute a minimum of 10 percent of the employee’s monthly emolument to his/her pension fund administrator. The employer will also deduct at source a minimum of eight percent of the worker’s emoluments and pay to their fund administrator.
By the deficiency of State governments and other employers to make their counterpart contributions, the scheme can not guarantee security for the welfare of the workers on retirement. The fate of employees, especially those working before the enactment and implementation, seems to hang on the balance; an aura and premonition of uncertainty on the seamless disbursement of what is legitimately their entitlement remains a puzzle, since they are likely to lose financial benefits for all the years they have served before the implementation of the Act in the State. The Scheme is intended to enable employees “Seamlessly transfer their accumulated funds when changing jobs, ensuring continuous growth and uninterrupted savings accumulator.” This mobility is aimed at empowering workers to “Pursue new opportunities without sacrificing their retirement security”.
The CPS covers: Public Servants working for the Federal Government of Nigeria,  the Federal Capital Territory (FCT), each of the 36 States of the Federation,  all the local government councils in Nigeria, employees in Private sector organisations where there are three or more employees, and those in the informal sector which covers any economic activity or source of income that is not fully regulated by the government and other public authorities. But the CPS which is supposed to improve on the old defined benefit scheme is fraught with several hydra-headed and multi-dimensional problems that negate the welfare of workers and retirees. It is sound to argue that since the Pension Reforms Act was enacted in 2014, it should have excluded workers already employed in the public sector before 2014, when the law was enacted.
The effective date should not have been retrospective, or backdated because the effective date of implementation can shortchange workers employed before 2014. Workers still in active service should rise  against the retrogressive scheme’s servitude . The Rivers State Government under the humane, compassionate and empathetic Governor Siminalayi Fubara should abrogate the contributory pension act as applicable in Rivers State or defer the effective date of implementation to affect only workers who were employed  into the Public Service after 2014. Those employed before 2014 should remain under the defined benefit scheme. If the contributory pension scheme was not without flaws, Former President Muhammadu Buhari would not have assented to National Assembly Workers Pension Scheme few days before he left office, thus removing National Assembly Workers from the contributory pension scheme. Governor Fubara can do same for public servants in Rivers State.

Igbiki Benibo

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IWD: Accelerating  Action To End Women Harassment 

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March 8, every year is International Women’s Day. Recall that in 1922, Wedmir Lenin declared March 8 as International Women’s Day to honour women’s roles in the 1917 Russian Revolution. Subsequently, it was celebrated on that date by the Socialist Movement and Communist countries.However, the United Nations officially endorsed that date in 1977, establishing it as a global observance for women’s rights and gender equality. The 2025’s theme is “Accelerating Action” to advance gender equality by highlighting strategies, resources and initiatives that drive progress. Unfortunately, while many countries in the world accelerate action to foster inclusivity of women in mainstream policymaking and decision taking; recognise and celebrate the meritorious and creditable roles of women as primary agents of socialisation, sustainable growth and influencers, in other countries, in the Sub-Saharan Africa some women are being victimised, intimidated, and repressed for not giving in to pernicious sexual advances of some men in power.
Some women are being ridiculed and lampooned for cultivating the effeontery to resist the inordinate sexual harassment of base men. However I  do not lose sight of the obvious reality that some women have played the porn as a result of lacking the strong will to say “no” to men who see women as opportunity to express their inordinate sexual urge even outside the bond of matrimony. Yes, the likes of Joi Nunieh and Senator Natasha who can cry out or call the shots and “slap” men who harass women are few among women. This makes women the architect of their reproach and disdain. When women go for the carrot, pottage, flashy cars, at the expense of morality, they lose their maiden dignity in civilised climes where moral values are savoured. Nothing in the world or comprehensively put, the whole world put together is not worth a woman’s worth, so no reason can best lend support to the situation where a woman offers her body as an opportunity to access pecuniary  mundane, temporary benefits that have no eternal value and translates to a reproach.
Most societies have intentionally created a poverty-ridden situation where women are worst hit so the base fellows can use women weakness and lack as a smokescreen to get more than a pound of flesh for their paltry gifts. This is why in my considered view, the agitation for the acceleration of action to foster gender equality is imperative. Enough to women exploitation in political institutions, offices, religious organisations, families and educational institutions. Women’s fundamental rights should be recognised and accelerated to achieve the more than 35 percent affirmative action of the Geneva Convention. However, freedom is not without a price. Women must prove to men that the female gender does not suggest inferiority and cannot be exploited, or used as sex machine by men who lacked  or have regard for moral values.
The White House sex scandal should inspire the Nigerian women to resist being abused and exchanged for worthless gifts. Women should rather choose to suffer marginalisation, and victimisation or possibly die for what they conscientiously believe is right than living in shadow of real life. Methinks men who have mother and realise that they are the gateway to physical should not fail to treat women with dignity. Paul said, “…. Treat the old women as your mother and the young women as your sisters with all purity and respect”. (1 Timothy 5: I). The time for women movements to rise to defend their fellow women from sexual harassment is now. It is only in a morally-decadent society that a man who has  subsisting cases of sexual accusations, is treated as lord, instead of making him step aside for proper investigations. However, my heart goes out for men, organizations and institutions who in recognition of the critical and invaluable roles of women in Nigeria, rolled out drums to give them a pat at the back.
Consequently, I celebrate the Managing Director of the Rivers State Signage and Advertisement Agency (RISAA), Aye Pepple, who according to reports has urged individuals, organisations, and the government to celebrate women and actively encourage their growth in all spheres of life. Speaking in commemoration of International Women’s Day (IWD), Pepple emphasised the importance of recognising women’s contributions and ensuring they are empowered to achieve their full potential. According to him, “Women play an essential role in shaping our society, and their efforts must never go unnoticed. “This year’s International Women’s Day serves as a reminder that we must do more than just celebrate them”. He highlighted the significance of gender inclusion in leadership, entrepreneurship, and governance, stressing that societies that empower women tend to experience sustainable growth, adding that “at RISAA, we believe in amplifying women’s voices, whether in the workplace, in business, or in the creative industry. “We must all do our part to provide opportunities, mentorship, and support that help women succeed.” Kudos to institutions and organisations who understand the roles of women as agents of shaping society.

Igbiki Benibo

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Opinion

Drunken Captains Of A Sinking Ship

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Ronald Reagan,  former President of the US, once said that “African leaders spend like drunken sailors; only that drunken sailors spend their own money while African leaders spend public money”. This opinion decries endemic corruption and the resultant underdevelopment in Africa; it reflects strongly on Nigeria, which is prodigiously endowed with human and natural resources yet flags the ignominious moniker of “poverty capital of Planet Earth”. Following the 2023 presidential election, an author referred to Nigerian leaders as “the scoundrels that are systematically sinking the ship of the Nigerian State”. In same vein, Majeed Dahiru held, on  Kakaki TV, that Nigeria’s “political leaders act like drunken sailors aboard a sinking ship”. The thematic string that ties the above averments are the metaphors of “Drunken captains” and a  “sinking ship” hence they informed the title and essence of this piece.
Currently, Nigeria strains from the senseless squandering of the nation’s resources by bleeders who masquerade as leaders while a mammoth majority of citizens wallows in abject poverty. The heartless display of affluence by authority figures belie the economic strangulation of the masses. Besides the brazen abuse of public office, political office holders in Nigeria recklessly display such personal wealth that cannot, by any stretch of the most liberal imagination, be justified within the limits of their legitimate income. From building trophy houses that only massage their bloated ego to acquiring outrageously expensive personal effects and holding lavish parties, Nigerian public officers constitute the worst role models. Patrice Ukposi, an attorney, thinks the phenomenon bothers on neurosis.   The Nigerian President lives in the multi-mansion maximum security exclusivity of Aso Rock, far away from the reach of everyday Nigerians.
He rides in a 36-car motorcade, has a double digit jetliner presidential fleet and has two stretch limousines, SUVs and six outriders at his service during overseas trips .  The abnormality of this is made profound when compared with his British counterpart who works in a modestly furnished office, lives in an equally modestly furnished apartment at No. 10 Downing Street, which  is open 24/7 to everyday traffic and flies British Airways. The current Senate President who, Dahiru holds, “appointed thirty-three aides, for starters” competes rather favourably in this irresponsible display of opulence.  In a video clip, a former senator  displayed an array of expensive watches, a wardrobe stock to the brim with designer clothes, shoes, diamond-studded gold rings and chains, suitcases of vintage leather, perfumes and the luxurious interior of his expansive bedroom.
Also,  numerous expensive cars and power bikes adorn his sprawling garage. Ukposi is right;  this brazen display of obviously ill-gotten wealth indicates neurosis and calls for urgent psychiatric attention. Ironically, this recklessness is taking place in a country with high unemployment rate, approximately 30 million out of school (OOS) population and an economy that applies 97per cent of its revenue to service a debt burden (Q3, 2024) of $43.0 billion. By their docility, Nigerians have promoted evil to the highest positions in the land. Resultantly, Dele Farotimi and other crusaders who are courageous enough to still call evil by its name are being hounded and persecuted by evil doers in authority. The Nigerian Ivory Tower has been discolored by umpires turned electoral auctioneers. The hitherto rugged legs of the Bench have been broken and the wig smeared.
The clergies, the supposed keepers of the nation’s morality, have been drawn into the rot of crass materialism. Obviously, the Nigerian ship is sinking and the captains are stupefied by their neurotic quest for materialism oblivious of the fact that everyone will go down below if and when the ship sinks.  Legislators approve for themselves monthly allowances that economically set them apart from the rest of the society thereby creating a social disconnect. Billions of Naira are spent on a presidential yacht and an additional jet to the double-digit presidential fleet; billions of Naira are allocation to nonexistent offices and more than eight billion Naira spent by the presidency on travels in the first quarter of 2024. Within the same period, State Governors collectively spent more than N968billion on refreshments. In less than three days, a loan request by the Presidency for more than N1trillion was approved by a complacent and compliant legislature.
Certainly, the captains of the Nigerian ship are drunken and the ship is lurching towards an economic abyss that might precipitate social upheaval of an unimaginable magnitude. At the state level, a drunken legislature of twenty-four whimsically increased the State budget by “more than N70billion”; this translates to N2.9billion per member. Talk of drunkenness. The height of the drunkenness of Nigeria’s captains is the current contemplation to create additional thirty-one States to make for sixty-seven States in a federation where not more than three of the existing thirty-six States are solvent. The simple supposition is that the legislators are striving to create more points of looting to serve their selfish interest. Like iguanas deaf to advice, the drunken captains of our sinking ship are lost in vice. Intoxicated by their ill-gotten loot, they are suffering from impaired decision-making while tightly clutching the helms of governance with incapable hands.
Therefore, Nigerians, especially the youth, must brace up for the generational struggle for political and economic emancipation from the stranglehold of swashbuckling psychopathic scoundrels who obviously are bent on sinking the ship of the Nigerian State.

Jason Osai
Osai lectures in Rivers State University.

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Opinion

NDDC, A Regional Commission?

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The Niger Delta Development Commission was established by the Federal Government of Nigeria to mitigate the effects of oil exploration and exploitation activities on the oil bearing communities or States. It is worthy to clarify that some of the  NDDC states are not from South-South geographical zone. NDDC is about oil producing States, irrespective of the geographical location. South – South geographical zone is made up of six states namely; Akwa-Ibom, Bayelsa, Cross River, Delta, Edo and Rivers State. As it is today, there is no regional commission called South-South Commission. Rather, what is well-known, is Niger Delta Development Commission to aid development in the oil-bearing States. NDDC is a distinct interventionist agency of the Federal Government of Nigeria to douse down tension or agitation of the people of Niger Delta region.
Agitation by the bearing community led to the establishment of the Ministry of Niger Delta Affairs, despite being scrapped by the present administration of President Ahmed Bola Tinubu. For instance, Abia State is in South-East region and it is part of NDDC, and it will benefit from South-East Commission established by the present Federal Government of Nigeria, to fast track development of South-East Zone. So, Abia State would benefit from NDDC and South-East Commission. Abia is an oil producing state in Nigeria. In the same position, Imo State is a South-East State and also an oil producing state; which automatically makes it a member of NDDC State.  And would benefit from both commissions; and no doubt, because of being an oil producing State and by location, South-East State. Automatically, by virtue of oil activities going on in the two Eastern States, they are members of Niger Delta Development Commission.
In the line of operation, Ondo State is in South-West region and by virtue of being an oil producing State, is a member of NDDC. This no doubt, makes Ondo State a beneficiary of NDDC creation. There is no question to ask why Ondo should be member of NDDC? And Ondo State is a member of South-West Development Commission, because of its geographical location as a State in that region. So, the argument that NDDC is a regional commission is out of place. Thus, NDDC is not only for States in the Niger Delta. Another question is: is there an established commission known as South-South Development Commission, that Rivers State, Akwa Ibom, Edo, Delta, Bayelsa and Cross River should benefit from? The answer is capital No! So NDDC is not a regional commission because it is not only for the six states that make up the South- South. Hence, there is need for the present Federal Government of Nigeria, to urgently address the inequality and disparity created already.
This is because the six geographical zones have zonal commissions. The Federal Government should correct the equation. The misconception that NDDC is regional is not in order and is not correct. As it is today, there is no South-South Commission to help fast track development in the region. The political representatives from the South-South zone, should unite themselves and demand for South-South Development Commission as other zones have theirs. The Federal Government should put modalities in place to establish South-South Development Commission. The status quo should not be allowed to remain as it is now. Thank God, the daily quota of oil production has increased to about 2.5m barrel per day. And that is the reason why South-South should also benefit from the increase of oil activities in Nigeria.
Observationally, every region is bracing up to gain from the oil revenue of the country. And South South Zone which seems to be the hub of oil and gas is lagging behind in terms of purposeful development. NDDC should embark on an aggressive development of the member states. The Federal Government of Nigeria, should correct the negative believe that NDDC is a regional commission. Politicians of the zone should sheathe their swords of discrepancies and work together for the development of the zone. There should be a united front to convince the Federal Government to create or establish South-South Development Commission. Therefore State of the South-South zone in the Niger Delta Development Commission should be made to benefit like their counter parts from South- East and South- West in the NDDC. Thus, NDDC goes beyond regional vision. And that is why the Federal Government should establish South- South Development Commission to balance the equation of regional commission springing up in the country.

Frank Ogwuonuonu
Ogwuonuonu  is a free lancer in PortHarcourt.

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