Opinion

Away With Contributory Pension In Rivers State

Published

1 year ago

August 12, 2024

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 in 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 N1000 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 Though the Contributory Pension Scheme was designed to remedy the alleged deficiencies and inadequate funding of the Defined Benefit Scheme, (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 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 River State Chairman of Nigeria’s Mother Labour Unions – Nigerian Civil Service Union also appealed to the Rivers State Governor, Sir Siminalayi 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 cannot 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 Contributory Pension Scheme (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 Contributory Pension Scheme 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 removed National Assembly Workers from the Contributory Pension Scheme. Governor Siminalayi Fubara can do same for public servants in Rivers State.

By: Igbiki Benibo

Opinion

Policy Intervention: More Than Administrative Reform

Published

8 hours ago

January 19, 2026

The Tide

Quote:”This policy intervention proves that education reform is not just about administration, but about restoring dignity, equity, and integrity to the learning process.”

On September 24, 2025, the article” A Growing Emergency: How Marked-Up Textbooks Are Sabotaging Nigeria’s School Children”, written by King Onunwo, was published in The Tide Newspaper. In the said article, the writer expressed pains in what he viewed as ‘a silent but damaging practice’ taking root in homes across Nigeria, one that threatens the academic future of millions of children in primary and secondary schools. From the paintings of the writer, this seemingly minor convenience where older siblings complete their homeworks directly inside their school textbooks, may seem harmless on the surface. On the contrary, it is creating a dangerous ripple effect. What used to be a normal practice—siblings reusing textbooks year after year to ease the financial burden on families—has now turned into a nightmare. The writer could best describe its impact in our educational system as a stumbling block for students, and a ticking time bomb for the education system and to say the least, a source of distress for countless parents.

The core message of the article is that writing homework and classwork inside textbooks has evolved from a harmless household habit into a national educational crisis that is quietly undermining learning outcomes in Nigeria. Specifically, the article argues that: marked-up textbooks sabotage learning by denying younger students the opportunity to think independently, practice problem-solving, and engage meaningfully with lessons. Economic hardship has normalized textbook reuse, but misuse has turned a cost-saving strategy into an educational disadvantage. The problem is systemic, not merely individual, reflecting failures in policy enforcement, public awareness, and educational support structures. Hence, government’s intervention is urgently required, including regulations, awareness campaigns, textbook audits, penalties, and subsidized writing materials.

Violation of education equity was also fingered as children are academically punished due to circumstances beyond their control—birth order and family income. King Onunwo opined that small oversights can cause large-scale damage, and ignoring such “minor” issues threatens Nigeria’s broader educational goals. Ultimately, he called for a national textbook integrity policy to protect learning materials and ensure fairness in education. Deductively, the writer ‘s feelings and emotional tone conveyed a deep concern and alarm, repeatedly framing the issue as a “growing emergency,” “ticking time bomb,” and “quiet academic crisis.” which signals a genuine fear that the problem if unchecked, may have irreversible consequences.

The writer ‘s tone is outrightly that of an advocate, not a neutral observer, speaking with a strong sense of justice, emphasizing on education as a right, meaning that children should not be academically disadvantaged by family circumstances, hence, the need for society to protect educational tools.The repeated calls for “immediate,” “urgent,” and “no time to waste” action showed impatience with delays and excuses. The writer believes every academic term lost worsens the damage. It is not just about textbooks—it is about educational dignity, equality, and systemic responsibility. The closing metaphor (“the handwriting is on the wall”) reinforces the writer’s belief that the consequences are already visible and that failure to act would be inexcusable. By responding decisively to growing concerns around the misuse and rising cost of learning materials, the Federal Government has demonstrated that thoughtful advocacy still matters—and that public interest writing can indeed influence policy in meaningful ways.

The recently unveiled education policy banning disposable workbooks and mandating the use of durable, reusable textbooks is a commendable step in the right direction. It directly addresses the very issues raised by King Onunwo and other concerned writers and parents who have long warned about the silent damage being done to Nigeria’s school children through poorly designed textbook practices and unchecked misuse of learning materials. For years, families—especially those with multiple children—have struggled under the weight of repeated textbook purchases. Worse still, the culture of writing directly into textbooks turned what should have been reusable learning tools into single-use items, sabotaging younger siblings who inherited books already filled with answers, errors, and confusion. The new policy does not merely reduce costs; it restores the integrity of textbooks as reference materials meant to guide thinking, not replace it.

By insisting on standardized, high-quality textbooks designed to last four to six years, the government has effectively validated the core argument of education advocates: that sustainability, affordability, and quality learning are deeply interconnected. The decision to prohibit the bundling of disposable workbooks—often used as a commercial tactic to force annual purchases—is particularly laudable. It signals a shift away from profit-driven educational practices toward child-centered learning. Equally important is the policy’s emphasis on strengthening assessment and quality assurance for instructional materials. This tackles another long-standing problem: superficial textbook revisions that compel parents to buy “new editions” without meaningful improvements in content. Such practices have eroded trust in the system and placed unnecessary financial strain on households already stretched thin.

Beyond textbooks, the introduction of a uniform academic calendar and the rationalization of graduation ceremonies show a broader sensitivity to the hidden costs of schooling. These reforms recognize that education expenses are not limited to fees alone but are compounded by traditions and inconsistencies that quietly drain family resources. This policy intervention is more than administrative reform; it is proof that government can listen, reflect, and act when issues are clearly articulated and grounded in lived realities. It affirms the value of public-interest writing as a bridge between citizens’ experiences and policy action.While implementation and enforcement will be the true test, the direction is encouraging. Parents, teachers, and school administrators must now play their part to ensure that these reforms translate into real change in classrooms across the country.

In acknowledging and addressing the concerns raised by writers, educators, and families, the government has taken a vital step toward protecting the learning future of Nigerian children. It is a reminder that when the handwriting on the wall is read early enough, it is still possible to rewrite the story—for the better.However, kudos to Federal Government for the intervention, but it should not end on the table rather should be given accelerated attention in order to ensure full implementation.

By: Sylvia ThankGod-Amadi

Opinion

Redefining New Year Resolutions

Published

8 hours ago

January 19, 2026

The Tide

Quote: “Transformation begins the moment intention meets action.”

At the dawn of a new year and throughout its early days, millions of people across the globe make promises to themselves—to improve, to grow, and to transform. The New Year carries a unique sense of renewal, hope, and possibility. It offers a clean slate on which aspirations are rewritten and goals are redefined. But beyond the excitement and optimism lies an important question: what truly gives power to these resolutions, and how can they be sustained to positively impact individuals, families, and teams?

New Year resolutions emerge from different platforms, perspectives, and points of need. For many, the focus is personal growth—acquiring new skills, practicing mindfulness, improving physical health, or cultivating emotional resilience. Others prioritize relationships, seeking to strengthen bonds with family and friends, heal broken connections, or build new ones. Career development also ranks high, with goals such as professional advancement, job transitions, skill enhancement, or entrepreneurship. Financial stability—saving money, paying off debt, investing wisely—remains a major concern, while some individuals turn to creativity, exploring new hobbies, talents, or artistic pursuits.

Regardless of the resolution, a clear roadmap is essential. Transformation begins with reflection—understanding personal values, clarifying what truly matters, and identifying the change one desires to see. This process often involves shedding unproductive habits and mindsets to create room for growth. Setting specific and achievable goals, then breaking them into manageable tasks, increases the likelihood of success. Equally important is establishing an accountability system—whether through self-monitoring, trusted partners, or structured reviews—to sustain commitment over time.

New Year resolutions embody the power of intentional living. They allow individuals and groups to pause, evaluate past actions, and consciously chart a new course. When intentions are clearly defined, it becomes easier to identify growth areas, develop a realistic plan, maintain motivation, cultivate healthy habits, and strengthen relationships. Setting SMART goals—Specific, Measurable, Achievable, Relevant, and Time-bound—ensures that resolutions are practical and purposeful rather than vague aspirations. In addition, prioritizing self-care enables the mind, body, and soul to function optimally, providing the stamina needed for long-term success.

Many resolutions require learning something new—whether acquiring professional skills, developing hobbies, or broadening intellectual capacity. For personal growth, this may include learning a new language, reading more books, or gaining knowledge that enhances competence and confidence. Involving family members in shared goals strengthens bonds and encourages collective responsibility. Regular family activities, open communication, shared meals, and intentional time together help instill values such as kindness, empathy, discipline, and accountability.

Career-focused resolutions may involve enrolling in online courses or certification programs, improving digital literacy, or networking with professionals in the same field. Financial growth requires discipline—creating and adhering to a budget, building a savings plan, investing wisely, and paying off debt systematically. When creativity or leisure is the focus, starting a journal or blog, learning an instrument, engaging in arts and crafts, or pursuing writing can be both fulfilling and therapeutic.

For families and teams, resolutions foster unity and shared purpose. When goals are collectively set and pursued, they promote collaboration, trust, and mutual support. Teams that align their resolutions with shared values experience improved productivity, morale, and accountability. Clear communication, regular progress reviews, and celebrating small wins reinforce commitment and sustain momentum throughout the year.

However, common pitfalls must be avoided. Unrealistic expectations often lead to discouragement and failure; goals should be challenging yet attainable. A lack of planning or strategy undermines even the best intentions, while poor accountability increases the risk of giving up prematurely. To make resolutions stick, it is important to track progress using journals, planners, or digital tools; celebrate milestones; remain patient with setbacks; and review goals periodically to adjust when necessary.

As the year unfolds, may our goals, hopes, and resolutions inspire meaningful change. Resolutions are not merely seasonal rituals—they are journeys of growth and discipline. With intentional planning, focused action, and collective effort, individuals, families, and teams can thrive, transform, and make lasting strides toward a better future.

By: Nneka Amaechi-Nnadi

Opinion

Trans-Kalabari Road: Work In Progress

Published

1 week ago

January 12, 2026

The Tide

Quote:”This Dream project is one of the best things that have happened to the people and residents of Degema, Asari Toru and Akuku Toru Local Government Areas in recent times.”

This is the concluding part of this story featured in our last edition.

Good road network helps farmers to convey their agro-allied products to commercial hubs where buyers and sellers meet periodically to transact business. Road network engineers and motivates people resident in unfriendly geographical terrains, like riverine areas, to own property and shuttle home with ease. Some people will prefer living in their own houses in a more serene and nature-blessed communities to living in the city that is fraught with pollution, and other environmental, social and economic hazards. Prior to the cult epidemic that ravaged parts of Rivers State, the Emohuas, Elemes, Ogonis, and Etches were known for rural dwelling. Most public servants from these areas do their official and private transactions from their villages. For them it was comparatively easier to live in the village and engage in a diversified economic endeavours through farming, fishing or other lucrative business without outrageous charges and embarrassment associated with doing business in Port Harcourt, where land is as scarce as the traditional needle.

That is why the decision to construct the Trans-Kalabari Road by the administration of Dr. Peter Odili was one of the best decisions that administration took. When Dr. Odili vacated office as the Rivers State Governor, Rt. Hon. Chibuike Rotimi Amaechi took over and awarded contracts for continuation of the road project which in my considered view is the felt need of the people of Degema, Asari Toru and Akuku Toru Local Government Areas. Unfortunately, Rt. Hon. Amaechi’s efforts to drive the project was sabotaged by some contractors some of whom are Kalabari people. The main Trans-Kalabari Road is one project that is dear to the people and residents of Degema, Asari Toru and Akuku Toru Local Government Areas of Rivers State. This is because through the road commuters can easily access several communities in the three local government areas. For instance, the road when completed will enable access to eight of the ten communities in Degema Local Government Area, namely: Bukuma, Tombia, Bakana, Oguruama, Obuama, Usokun, Degema town and the Degema Consulate. It will also link 15 of the 16 communities in Asari Toru Local Government Area. The communities are: Buguma, the local government headquarters, Ido, Abalama, Tema, Sama, Okpo, Ilelema, Ifoko, Tema, Sangama, Krakrama, Omekwe-Ama, Angulama. The road will also connect 14 of 17 wards in Akuku Toru Local Government Area, and other settlements. It is interesting to note that It is faster, and far more convenient and economical for the catchment Communities on the Trans-Kalabari Road network to go to the State Capital than the East West Road. The people of the three local government areas will prefer to work or do their transactions in Port Harcourt from their respective communities to staying in Port Harcourt where the house rent and the general cost of living is astronomically high.

Consequently, development will seamlessly spread to the 28 out of 34 communities of Degema, Asari Toru and Akuku Toru Local Government Areas. The only Communities that are not linked by the road project are Oporoama in Asari Toru, the Ke and Bille Communities in Degema Local Government Area and the “Oceania” communities of Abissa, Kula, Soku, Idama, Elem Sangama of Akuku Toru Local Government Area. But because of the economic value of the unlinked Communities to Nigeria, (they produce substantial oil and gas in the area), the Federal, State Governments and the Niger Delta Development Commission (NDDC), can extend the road network to those areas just as Bonny is linked to Port Harcourt and the Lagos Mainland Bridge is connecting several towns in Lagos and neighbouring States.Kudos to previous administrations who had constructed the Central Group axis.

However, what is said to be the First Phase of the Trans-Kalabari Road project is actually a linkage of the “Central Group” Communities which consists of Krakrama, Angulama, Omekwe. Ama, Omekwe Tari Ama, Ifoko, Tema, Sangama. It is the peripheral of the Trans-Kalabari Road. The completion of the Main Trans Kalabari project will free Port Harcourt and Obio/Akpor areas from congestion. It will motivate residents and people of the three local areas to contribute to the development of their Communities. If the Ogonis, Etches, Emohuas, Oyigbos, Okrikas, Elemes can feel comfortable doing business in Port Harcourt from home, residents and people whose communities are linked to Port Harcourt through the Trans-Kalabari Road will no doubt, do likewise. The vast arable virgin land of the Bukuma people can be open for development and sustainable agricultural ventures by Local, State and Federal Government.

It is necessary to recall that the Bukuma community was host to the Federal Government’s Graduate Farmers’ Scheme and the Rivers State Government moribund School-to-Land Scheme under Governor Fidelis Oyakhilome. Bukuma was the only community in Degema, Asari Toru and Akuku Toru Local Government Areas that has the capacity to carry those agricultural programmes. However the lack of road to transport farm produce to Port Harcourt and facilitate the movement of the beneficiaries of the scheme who lived in the community which is several miles away from the farms, hampered the sustainability of the programme. The main Trans-Kalabari Road remains the best gift to the people of Degema, Asari Toru, and Akuku-Toru Local Government Areas. Kudos to Sir Siminilayi Fubara.

By: Igbiki Benibo