Opinion

By Musab Isah Mafara, PhD

As you regularly use social media, it’s important to understand that many individuals post misguided or controversial opinions, images, and videos with specific intentions. They seek attention and engagement, aiming to drive traffic and, subsequently, revenue to their profiles.

Social media monetisation has become an attainable goal for all. In pursuing fame and financial gain, some users compromise their dignity and reputation–assuming these were valued in the first place–by posting provocative content meant to ignite heated debates.

For example, people might post movie reviews/clip without captions, prompting viewers to ask for the movie’s name, thereby increasing comment counts. Others might upload videos criticizing a religious group, knowing it will provoke members of that group to share the video, thus boosting its reach and view count. The opposition might watch to refute these criticisms, further amplifying the content.

And then you have the annoying ones who share harmful content they claim not to agree with, under the guise of correcting misinformation. You also have celebrities and influencers who post videos of themselves doing or saying things specifically designed to get people talking about them.

Unfortunately, even some ‘Shaikhs’–or their handlers–have been drawn into this trend of attention-seeking posts aimed at drawing crowds and potentially monetising in the long run. While there’s nothing inherently wrong with scholars monetising their social media presence–indeed, it could offer financial independence and protection from undue influence by sects, benefactors, or governments–they must tread carefully.

Managing a page, especially if done personally by an Islamic scholar, poses the risk of succumbing to vanity or showmanship. Although only Allah truly knows one’s intentions, people can sometimes infer motives from the content of posts, which might damage a scholar’s credibility among followers or, worse, lead to ‘Riya‘ (showing off for praise). May Allah guide our intentions to be sincere and protect us from ‘Riya‘.

There is nothing wrong with using social media to gain followers and earn from what you share on your profile, but the content should align with what is permissible (halal). Although halal content might not ‘sell’ well online, as Muslims, we cannot justify the means by the ends and post whatever we like just to make it.

Focus on sharing religious teachings, educational materials, skills, recipes, analysis of issues, and any useful knowledge relevant to people’s daily lives. Share what will benefit people in their everyday interactions or what will bring them closer to Allah. Your actions could lead to one of these outcomes:

1. A reward from Allah alone.

2. Financial rewards from platforms like Facebook, TikTok, or others.

3. Both a reward from Allah and financial compensation.

4. Neither a reward nor financial benefit, if the intention is not right and you couldn’t meet the requirements of the platform, but likely no sin incurred.

However, if you promote impermissible (haram) content, you must understand the consequences. You’ll be accountable for the sin not just for yourself but for everyone who encounters that content through you, directly or indirectly, until the end of time. The Prophet (SAW) said:

ومن سنَّ في الإسلام سنَّة سيئة فعليه وزرها ووزر من عمل بها من بعده من غير أن ينقص من أوزارهم شيء

“And whoever introduces a bad practice in Islam that is followed after him, there is upon him the sin of it and the sin of those who act upon it after him, without that diminishing their sins in any way.”

Don’t be a means to a sinful act.

Furthermore, even if you’re not directly sharing harmful content, you can help reduce its spread by not engaging with it. Unfollow pages that offer nothing but this kind of material. When necessary, address issues on your own wall without linking back to the harmful content or commenting on the page where it was posted. Additionally, hide or unfollow accounts that thrive on harmful materials. Often, it only takes a click of the 3 dots against a post and choosing ‘Not Interested.’

By Khadijat Ogido 

Maintaining good health is essential for students every day. Well-being is a holistic journey that integrates physical, mental, and emotional health. Mental health is a cornerstone of well-being, though many students overlook it.

Mental health problems can affect a student’s energy level, concentration, dependability, cognitive ability, and optimism, which hinder their performance. Students consider symptoms like anxiety, depression, eating disorders, psychotics, and mood swings as everyday experiences which often lead to mental illness.

According to mental health research conducted by the National Alliance on Mental Illness (NAMI), one in four students has a diagnosable mental illness. “A lot of pressure from parents, stress from exams, the pressure of getting good grades in university. These aspects destroy the inner peace of students”.

In a world where stress and fast-paced demands are commonplace, prioritising self-care and balanced living can significantly impact health and happiness. However, the case is often different for most students. 

The stress of pursuing academic excellence sometimes leads to neglect of health. To pass their exams, most students stay up late, reading for more than 16 hours a day, and some do not properly care for their diet, which has resulted in mental, physical, and psychological problems.

Mental health is vital at every stage of life, from childhood to adolescence and adulthood. There are several causes of mental health illness in students, such as depression, anxiety disorders, personality disorders, obsessive-compulsive disorder, panic disorder, etc. Most students on campus experience some of these problems but always downplay them as usual.

Amina Abubakar, a 300L architectural student at Bayero University Kano (BUK), narrated her experience of how school activities have challenged and affected her mentally. She said, “Being a student is difficult because I must attend lectures, do tests, assignments, and presentations. Most of the time, I have a serious headache if I return from school. The headache lasts for more than two days, and I won’t be able to eat or sleep.”

Similarly, Maryam Jibrin, a student in the economics department, lamented about the price of being a student. She said, “Being a student, trying to get good grades, maintaining social relationships and trying to cope with the current hardship is on another level because it’s affecting most students in many ways. At times, students feel depressed and stressed out. Some students will even lock themself inside and don’t want to talk to anybody, and when u ask them what is wrong with them, they will say they are fine”.

Consequently, mental health issues among students have a significant effect on their academic performance. Social relationships, behavioural issues, physical health, lack of concentration, insomnia (difficulty sleeping), and other problems might affect students physically, mentally, and psychologically. 

Matt Haig, an English author and journalist, said, “Mental health problems don’t define who you are; they are something we experience. You walk in the rain and feel the rain, but you are not the rain.” Therefore, students who experience any symptoms of mental issues should not panic. They should always seek advice and help or talk to someone, not keep things to themselves.

In conclusion, since students must overcome academic stress to pass, the university authority should help create an environment that will enable students to study by building a counselling hall for students to go to when they feel depressed. Also, family and friends should not leave their loved ones alone without checking up on them, which might make them feel alienated. 

Students should engage in activities that bring them joy and relaxation, eat on time, take a break, give themselves time to rest, exercise, and be healthy. Health is wealth. Don’t hesitate to seek support when you need it. Your mental health matters, and seeking help is a sign of strength, not weakness.

Khadijat Ogido wrote via ogidokhadijat82@gmail.com.

By Usman Abdullahi Koli

As 2025 begins, Nigeria is grappling with an unprecedented economic crisis. Inflation is at an all-time high, the cost of living continues to skyrocket, and millions of Nigerians struggle to make ends meet. Against this backdrop, President Bola Ahmed Tinubu, in his maiden media chat, aired on December 23, 2024, reaffirmed his commitment to the controversial reforms that have significantly reshaped the nation’s economic landscape. For many Nigerians, his steadfastness in the face of public outcry has been both perplexing and polarising.

During the televised chat, Tinubu made it clear that he has no regrets about the swift removal of the fuel subsidy, a decision he implemented on May 29, 2023, immediately after assuming office. “I made the swift decision to preserve Nigeria’s future and that of generations yet unborn,” he stated. The move, he argued, was necessary to redirect funds toward critical infrastructure and social investments. However, while the rationale may have been rooted in long-term sustainability, its immediate impact on ordinary Nigerians has been devastating.

The President also defended his administration’s tax reform bills, currently before the National Assembly, insisting they were essential to Nigeria’s economic recovery. Despite significant pushback, particularly from Northern leaders who feared the reforms could deepen regional disparities, Tinubu maintained that these policies were non-negotiable. “The tax reforms have come to stay,” he declared, further solidifying his reputation as a leader unwilling to waver, even in the face of widespread criticism.

For the average Nigerian, these reforms have translated into unbearable economic hardship. Inflation rose to an alarming 33.95% in November 2024, up from 22.41% in May 2023. The cost of basic commodities such as food, fuel, and transportation has nearly doubled, pushing millions below the poverty line. The removal of the fuel subsidy, intended to save the government trillions of naira annually, has led to an exponential increase in the cost of petrol, which now hovers around ₦1000 per litre.

The ripple effects are evident everywhere. Transport fares have tripled, food prices are beyond the reach of many families, and small businesses are folding under the weight of operating costs. According to the National Bureau of Statistics, unemployment rose from 33.3% in Q1 2023 to 40% in Q3 2024, leaving millions without a source of income. For many Nigerians, survival has become a daily struggle, with no immediate relief in sight.

While President Tinubu’s reforms undoubtedly aim to stabilise the economy and ensure fiscal responsibility, their execution has lacked a critical human element. Policy changes of this magnitude require technical precision, empathy, and strategic cushioning to mitigate their impact on vulnerable populations. Governments worldwide that have implemented subsidy removals or tax reforms have typically done so gradually, accompanied by robust social safety nets.

In Nigeria, the absence of significant palliatives has amplified the suffering of the masses. The promised conditional cash transfers and mass transit buses remain primarily theoretical, leaving citizens to bear the brunt of these reforms unaided. The government urgently needs to adopt a more holistic approach that balances fiscal discipline with the immediate needs of its people.

As a writer, it has been my habit to pen a year-in-review piece every December, reflecting on the highs and lows of the past year. This year, however, I chose to wait until President Tinubu’s address to the nation, hoping for a message of hope or at least a roadmap to alleviate the suffering of Nigerians. Unfortunately, his reaffirmation of policies exacerbating the economic crisis offers little comfort.

The government must urgently prioritise measures to ease Nigerians’ economic burden. Initiatives such as targeted subsidies for essential goods, tax relief for low-income earners, and the accelerated implementation of promised palliatives could provide immediate relief. Additionally, robust dialogue with stakeholders, particularly those from regions expressing concerns, is critical to fostering a sense of inclusion and national unity.

President Tinubu’s vision for a self-reliant Nigeria is commendable, but the path to achieving it cannot come at the expense of the people’s well-being. Economic reforms must be designed to stabilise numbers and improve lives. As the nation stands at a crossroads, the government has an opportunity to recalibrate its approach, demonstrating that it is not only fiscally responsible but also deeply empathetic to the struggles of its citizens.

Nigerians’ resilience is unmatched, but resilience alone cannot drive a nation forward. It is time for governance that is as humane as it is ambitious—leadership that listens, learns, and adapts. As 2025 approaches, the hope is that the lessons of the past year will inspire a more inclusive and compassionate governance style, ensuring that no Nigerian is left behind in the pursuit of progress.

Usman Abdullahi Koli wrote via mernoukoli@gmail.com. 

By Zayyad I Muhammad

On December 24, 2024, Adamawa State witnessed a transformative moment in its history. In accordance with Section 5 of the Adamawa Chiefs (Appointment and Deposition Law, 2024), Governor Ahmadu Umaru Fintiri announced the creation of new chiefdoms and emirates, marking a significant step in reshaping traditional governance and strengthening social cohesion in the state.

The newly created chiefdoms and emirates are:

Hoba Chiefdom with headquarters in Hong (2nd-Class Status)

Madagali Chiefdom with headquarters in Gulak (2nd-Class Status)

Michika Chiefdom with headquarters in Michika (2nd-Class Status)

Fufore Emirate with headquarters in Fufore (2nd-Class Status)

Gombi Chiefdom with headquarters in Gombi (3rd-Class Status)

Maiha Emirate with headquarters in Maiha (3rd-Class Status)

Yungur Chiefdom with headquarters in Dumne (3rd-Class Status)

These creations now gazetted and part of Adamawa State’s statutory repository, represents a bold move to modernise traditional institutions while preserving their cultural significance.

A Vision for Unity and Progress:

Governor Fintiri emphasised the profound objectives behind this development, stating:

“This piece of legislation is expected to reposition the traditional institution and embolden it to smartly play better roles in our affairs; create more centres of dispute arbitration and resolution at the communal level; provide the right governance in all ungoverned spaces within our polity; form more hubs for local intelligence gathering to aid our security system and above all strengthen social cohesion and confer on our people more dignity and pride as citizens.”

By creating these new chiefdoms and emirates, the state government aims to deepen communal harmony, address local governance gaps, and strengthen grassroots security and development mechanisms.

The Inevitability of Change:

Historians and observers have hailed the move as historic and necessary. They argue that societies must embrace the future by adapting to changing realities. Stagnation is not an option in a world that evolves daily. Adamawa State’s willingness to embrace these changes reflects the dynamism of its leadership and the resilience of its people.

As the saying goes, change is the only constant. By recognising the need for adjustments in governance structures, the state has positioned itself as a model for innovation and inclusivity in a pluralistic and multicultural society.

Opportunities for the Future:

The creation of these new chiefdoms and emirates offers greater opportunities. It enables communities to take pride in their identities while fostering unity and collaboration. As centres for arbitration, local governance, and intelligence gathering, the new structures will enhance peace, security, and development across the state.

Governor Fintiri reassured citizens that this process is ongoing and inclusive. “While we congratulate the new Emirates and Chiefdoms, we remain appreciative of other demands and agitations from other nationalities. I can assure you that this is a continuous process. With the right justification for more demands, we shall positively respond to genuine agitations.”

A Call for Collective Acceptance:

Creating these new entities is not just a political or administrative decision but a call for societal progress. It invites every community to rise above divisions, embrace shared aspirations, and move forward as one united state.

As Adamawa State charts this new course, it sends a message to the world: change, when embraced thoughtfully and purposefully, is a force for good. For societies that understand this, the future holds boundless possibilities.

Zayyad I Muhammad writes from Abuja via zaymohd@yahoo.com. 

By Muhammad Ibrahim

Muhammad Sani Umar Rijiyar Lemo’s recent promotion to professor at Bayero University, Kano (BUK), is a moment of pride not only for the institution but also for the broader academic and Islamic scholarly communities in Nigeria. This achievement is a testament to his unwavering dedication, intellectual rigour, and remarkable contributions to education, scholarship, and the Muslim community.

Prof. Rijiyar Lemo is a scholar of exceptional depth and influence, particularly in the fields of Islamic studies, particularly Hadith and the Qur’an. Over the years, he has distinguished himself through insightful research and community engagement. His ability to bridge the gap between traditional Islamic knowledge and contemporary educational practices has earned him admiration from colleagues and students.

His excellence extends way beyond academia. In recognition of his contributions to education, religious scholarship, and national development, Prof. Rijiyar Lemo was conferred with a prestigious national honour, the Officer of the Order of the Niger (OON), by former Nigerian President Muhammadu Buhari. This honour highlights his role as an academic and as a figure of influence and positive change in the wider Nigerian society.

Prof. Rijiyar Lemo’s contributions to the Muslim community are equally remarkable. He has been a prominent voice in promoting peaceful coexistence, understanding, and moral reawakening among Muslims.

As a preacher, he has delivered lectures across Nigeria and beyond, addressing contemporary issues facing the Muslim ummah. His emphasis on theology, education and ethical leadership has left a lasting impact on communities outside the university.

This promotion is also significant because it underscores BUK’s commitment to recognising and rewarding academic excellence. In an era where other pursuits sometimes overshadow the value of the scholarship, such acknowledgement serves as a beacon of hope for aspiring academics and students, reminding them that hard work and integrity do not go unnoticed.

Moreover, Prof. Rijiyar Lemo’s rise to this esteemed position inspires younger generations, particularly those from his home state of Kano. It demonstrates that one can attain great heights while making meaningful contributions to society with perseverance, dedication, and a genuine passion for learning.

Professor Muhammad Sani Umar Rijiyar Lemo is set to impact his field, mentor future scholars, and advance knowledge at Bayero University. His promotion symbolises personal achievement and a celebration of academic excellence for all.

May Allah continue to guide and protect Malam for us, amin.

Muhammad Ibrahim wrote from Kano, Nigeria.

By Isah Dahiru

On Friday, December 6, 2024, while skywatchers marvelled at the serene night sky adorned with celestial wonders, a different spectacle unfolded in Jigawa State. Governor Namadi, alongside his entourage of government officials, presented the much-anticipated 2025 Appropriation Bill to the State Assembly. Tagged the “Budget of Innovation & Transformation for Greater Jigawa”, the document was intended to embody progress and forward-thinking leadership.

At first glance, the title seems aspirational, promising groundbreaking initiatives to propel Jigawa into an era of sustainable development. However, a closer examination of the budget reveals glaring contradictions, misplaced priorities, and a lack of the innovation and transformation it proclaims.

A Misleading Budget Title

Though grammatically correct, the ambitious budget title seems to serve as a deceptive marketing strategy rather than an accurate reflection of its contents. Far from being innovative or transformational, the budget largely perpetuates conventional methods of governance, burdening the state with debt while ignoring pressing human capital development needs. A more suitable title could have highlighted its illogical allocation and amateurish approach, as the document fails to address critical issues facing the state.

Unrealistic Revenue Projections

The proposed total budget stands at a staggering NGN698.3 billion, with expected revenues broken down as follows:

• Federation Account Allocation: NGN34 billion
• VAT Share: NGN80 billion
• Other Federal Government Contributions: NGN134.1 billion
• Internally Generated Revenue (IGR): NGN130.6825 billion

Governor Namadi’s administration has estimated NGN219.517 billion in loans to finance the deficit, an amount alarmingly higher than the state’s entire IGR. This reliance on borrowing raises significant concerns about the sustainability of the state’s fiscal policy. Borrowing such colossal sums without substantial revenue-generation mechanisms is reckless and poses long-term risks to Jigawa’s economic stability.

The governor’s failure to leverage Jigawa’s rich agricultural resources, untapped natural wealth, and the potential of smart farming to bolster IGR demonstrates a lack of foresight. Instead of pursuing innovative strategies to grow revenue, the administration has opted for unsustainable borrowing, leaving future generations to bear the burden.

Misplaced Capital Expenditure Priorities

A whopping 76% of the budget (NGN536.750 billion) is allocated for capital projects, including the construction of 45 new roads spanning 830 kilometres. While infrastructure is essential, this allocation overlooks the state’s urgent needs in human capital development, education, and healthcare.

Recent tragedies highlight the misplaced priorities of this budget. From the Majia tanker explosion, which claimed over 200 lives, to the tragic road accidents in Adiyani (Guri LGA) and Auyo LGA, which resulted in the deaths of women, children, and youth, road safety remains a pressing issue. Constructing new roads without addressing the underlying factors contributing to road traffic accidents is counterproductive. Jigawa needs safer transportation systems, not a roadmap to more tragedies.

Furthermore, questions about the NGN30 billion mobilisation payment for these road projects linger. It is unclear whether this payment adheres to constitutional provisions or represents the notorious 10% kickback culture often associated with government contracts. Transparency in budget execution is non-negotiable, and the state deserves clarity on these expenditures.

A Failing Healthcare System

Jigawa’s healthcare sector is in crisis, yet the budget allocates insufficient resources to address the challenges. Since June 2024, over 25 professional healthcare providers have resigned due to poor remuneration and working conditions. This mass exodus has left hospitals understaffed and unable to deliver quality care, pushing Jigawa’s residents into greater health risks.

Governor Namadi’s “J-Health” initiative—designed to improve healthcare delivery—has proven ineffective. The program is plagued by untrained personnel and a lack of infrastructure, turning hospitals into death traps rather than centres of healing. Ironically, the governor does not rely on “J-Health” workers for his medical care, further exposing the inadequacies of the initiative.

Neglecting Education Amid a Crisis

The BBC recently reported that Jigawa has one of the highest numbers of out-of-school children in Nigeria. Yet, the budget’s allocation to education falls woefully short of addressing this crisis. With thousands of children lacking access to quality education, the future of Jigawa’s youth hangs in the balance. Instead of investing in human capital through education and skill development, the government prioritises infrastructure projects that offer minimal long-term benefits to the people.

Leadership Is About Priorities

Leadership is not about laying asphalt or unveiling ambitious-sounding projects but about using available resources to deliver well-tailored programs that directly impact citizens’ lives. Governor Namadi’s budget fails to address the core challenges facing Jigawa State, including:

• The alarming rate of out-of-school children
• The exodus of healthcare professionals
• The rising tide of road traffic accidents
• The lack of sustainable revenue-generation mechanisms

Jigawa needs a government that prioritises its people—one that invests in human capital, builds safe and functional infrastructure, and ensures fiscal responsibility. The 2025 Appropriation Bill, as it stands, is far from being the “Budget of Innovation & Transformation for Greater Jigawa.” It is a missed opportunity to create meaningful change and lay a solid foundation for the state’s future.

Governor Namadi must rethink his approach, listen to the cries of his people, and refocus on what truly matters: the well-being, education, and prosperity of Jigawa’s citizens. Only then can the state genuinely embark on a path of innovation and transformation.

Isah Dahiru, B. Pharm. MPSN, wrote via easerdahiru@gmail.com.

By Hassana Suleiman Kandi

Health is not merely the absence of disease in the human body; rather, it encompasses the physical, social, and emotional well-being of individuals. Mental health refers to a person’s ability to cope with life’s stresses, recognise their abilities, and function effectively in work and learning environments.

Mental health is integral to our well-being and significantly contributes to our daily decision-making ability. It encompasses the complexity of an individual’s social and psychological life, highlighting the urgent need for action on mental health. It is vital for personal development.

However, mental health is experienced differently by each person. This includes conditions like mental disorders, psychological disabilities, and other mental states associated with impairments. People are inherently vulnerable to mental health challenges.

Social interactions and personal skills strengthen resilience, and mental health issues can be mitigated by identifying social and emotional determinants. However, some issues require actions that go beyond the health sector. 

Fortunately, various forms of art offer protective benefits that can bridge the gap for common mental health conditions. The arts play a pivotal role in mental health. Engaging with the arts can help moderate the risk of mental health problems. 

Art exists in many forms, including visual, performing, and literary arts, each offering unique benefits. Taking a break from daily routines to engage in artistic activities can significantly improve mental health, as the benefits are numerous and deeply engaging.

Visual Arts: Anyone, regardless of skill level, can participate in visual arts. Many people have been encouraged to look after their health by utilizing their leisure time creatively. Visual art, including painting, drawing, and sculpture, is therapeutic, boosting self-esteem and enhancing skills.

Performing Arts: Music, dance, poetry, and storytelling are accessible to all, regardless of skill level. These activities improve mood, promote physical health, boost emotional well-being, and help ward off negative thoughts. Lady Gaga, for example, has famously used music and performance to manage anxiety.

Literary Arts: Writing, poetry, and spoken words can also effectively address mental health issues. These forms of expression are open to all and can help with mood expression and self-reflection. Schools should encourage students to engage in literary arts, as they foster emotional expression and can boost self-confidence.

Crafting: Knitting and woodworking promote relaxation, reduce stress, improve mood, and alleviate anxiety. Many people, particularly women, craft as a fun and therapeutic way to relieve stress.

Numerous individuals have coped with and overcome mental health challenges through art. For example, the renowned painter Edvard Munch struggled with anxiety but found solace in his artwork. Art stimulates brain regions that promote neural connections, adaptability, and the release of endorphins, all of which improve mood.

Many people have overcome common mental health problems such as anxiety and depression by engaging in the arts. Art provides a unique outlet for emotional expression and helps individuals realise their potential. Creativity is innate in everyone, regardless of age, race, or skill level.

Art fosters understanding and unity between individuals or communities, leading to a stereotype-free environment and encouraging cohesive socialisation. Furthermore, it helps represent emotions through body language, words, and patterns. The most exciting part is that anyone, including individuals with disabilities, can participate in art.

It is crucial not only to protect and promote the mental well-being of all but also to deepen the value placed on mental health. A committed approach to addressing the needs of those with mental health conditions will undoubtedly improve overall mental health outcomes.

Hassana Suleiman Kandi is a student at Ibrahim Badamasi Babangida University Lapai and an intern with PRNigeria. She can be reached at kandihassana@gmail.com.

By Isma’il Alkasim

Since the Jigawa State government announced a 100% increase in scholarship allowances for state students, it has served as a beacon of hope and high expectations. This timely intervention comes amid the economic hardship caused by the removal of fuel subsidies and the subsequent increase in registration fees at tertiary institutions. 

The government emphasised that Governor Umar A. Namadi understands the challenges students face. To support their education, the state’s scholarship board was instructed to disburse scholarship payments before the start of each academic session. This directive has undoubtedly restored hope and brought joy to the students.

The State Executive Council approved a series of memos and tags to supplement the payment, but only to a few institutions. Although the state government boasts of having paid all students, over eighty percent of institutions have not received any payment from the board. We have repeatedly read that the government approved a substantial sum for the payment, but to no avail. This has engendered mistrust and left a deep scar in our memory, raising concerns that heartless and corrupt opportunists may have stolen the funds.

Moreover, in an interview with Radio Jigawa, the Senior Special Assistant on Students Matters to the Executive Governor of Jigawa State claimed that the government had given scholarship allowances to all Jigawa State students. This claim either demonstrates his inability to represent his office truthfully or suggests his complicity in misappropriating public funds intended for student support. 

Furthermore, to strike a balance and provide an honest treatment of this issue, we attempted to reach Ambassador Muhammad Salisu Seeker, the SSA, to clarify his ill-founded assertion. However, despite our numerous text messages, he arrogantly refused to answer our calls. He did not even have the courtesy to respond. This arrogance is unbecoming of a public servant who represents the government in students’ eyes. 

As a concerned student, I find the SSA’s claim offensive and insulting. To date, Ahmadu Bello University, Zaria students have not received any payment from the Jigawa State Scholarship Board. The Senior Special Assistant has abused the trust bestowed on him by the Governor, demonstrating sheer incompetence and a monumental failure in public service.

Finally, as a concerned citizen of Jigawa State, I call upon Governor Umar A. Namadi to investigate this matter thoroughly and ensure that anyone found guilty faces the full force of the law. I also urge him to address the misconduct of his Senior Special Assistant on Students Affairs, Amb Muhammad Salisu (Seeker), who has demonstrated a pattern of abusing his office through gross incompetence.

Isma’il Alkasim is a student at Ahmadu Bello University in Zaria. He writes from Garki Jigawa State and can be reached at kogasgarki@gmail.com.

By Amina Muhammad Sani

When I first stepped into university life, I thought it would be a breeze compared to secondary school. I assumed that financial burdens would be minimal and that I could coast through with ease. But reality quickly set in.

As a young adult, I realised I needed to take charge of my finances. That’s when I ventured into the egg business—sourcing eggs from farms and selling them to shop owners. The business initially showed promise, but I soon encountered a major hurdle: getting paid on time.

The delayed payments took a significant toll on my mental well-being. As a student entrepreneur, I relied heavily on the income from my egg business to cover essential expenses like transportation, handouts, and saving for next year’s school fees. With the uncertainty of when I’d receive payment, I found it challenging to focus on my studies. The constant worry and stress began to affect my academic performance. It was then that I decided to pivot and explore a new business venture – making samosas.

Initially, my samosa business took off, and I was thrilled to have finally found a reliable source of income. However, success comes at a cost. Making samosas was labour-intensive and time-consuming, requiring me to wake up at night to prepare for the day. The exhaustion was overwhelming, and I often dozed off during lectures. Despite the high demand and timely customer payments, I realised that the business was jeopardising my academic performance. The very reason I started the business – to support my education – was now being undermined. I knew I had to make a change again. This time, I decided to switch to making buns and doughnuts.

Making buns and doughnuts proved to be a more manageable venture, as I could prepare them in advance. However, I soon faced a new challenge: declining demand. Students lost interest in my baked goods, preferring samosas instead. The economic climate didn’t help, as the rising prices of snacks made it difficult for students to afford my products. As a result, sales dwindled, and I was left relying on the kindness of friends who purchased my snacks out of sympathy. But I knew I couldn’t sustain a business based on charity. I needed a more reliable solution. Having always been self-sufficient, I decided to explore alternative options for supporting myself financially. This led me to take on a job as a sales girl at the market.

Landing a job as a sales girl at the market was a dream come true. The pay was good, and I was finally on my way to becoming a successful, independent businesswoman – a goal I’d always been passionate about. As a final-year student in my final semester, I had a flexible schedule, with lectures only on Mondays and Thursdays. This allowed me to dedicate the remaining days to work, as agreed upon with my boss.

However, my new role came with its own set of challenges. My early morning departures and late evening returns raised concerns at home. In my community, it’s deemed improper for a female child to stay out late at night. My mom would often call me, suggesting that I quit my job, as it was deemed more suitable for men. The real issue, though, was the difficulty I faced in finding transportation after closing work at 6 PM. The location was far from home, and the rush of workers leaving at the same time made it challenging to find a ride, often leaving me stranded until 7 or 8 PM.

My experience as a salesgirl taught me valuable lessons about perseverance and determination. However, juggling this role with my academic responsibilities proved incredibly challenging. The physical and mental exhaustion were constant companions, and convincing my mom to allow me to continue working was an ongoing battle.

Through this journey, I’ve come to realise that becoming a successful businessperson requires unwavering dedication. Business and education are two distinct paths that demand individual focus. In my opinion, it’s unrealistic to expect someone to excel in both simultaneously.

I struggled to balance these two aspects of my life, and I firmly believe that students should prioritise their studies. Entrepreneurship can wait until after graduation, or students can explore business ventures that complement their academic schedules without compromising their studies. By focusing on one goal at a time, individuals can give their all and achieve success.

Amina is a level 400 student of Mass Communication, and she writes from Bayero University, Kano

By Rabiu Alhassan Elkanawi

As Nigeria continues to champion financial inclusion and socio-economic development, KAYI Microfinance Bank has taken a decisive step to address the needs of remote communities through an initiative named Grassroots Empowerment and Engagement Project.

Recognising the unique challenges faced by Tsangaya (Almajiri) schools in Northern Nigeria, KAYI Bank has launched a pilot program across four states—Kano, Katsina, Kaduna, and Jigawa—targeting these centuries-old learning centres to boost financial literacy, entrepreneurial activities, and access to digital banking services.

Tsangaya schools have traditionally offered Islamic knowledge, basic literacy, and numeracy skills, primarily in Arabic. Many of these centres are located in areas with little or no access to conventional banking facilities, leaving them vulnerable to financial exclusion. Poverty and unemployment continue to be rampant in these communities, where students (almajirai) often resort to street begging to meet their needs. This new program by KAYI Microfinance Bank directly tackles these issues by positioning Tsangaya instructors and leaders as community champions of digital financial inclusion and economic empowerment.

Piloted in August 2024, the program provides each participating Tsangaya school with a range of resources valued at about five million naira. This includes training sessions on financial literacy, business management, and start-up funds. These investments enable each school to establish and operate a cash point business, offering critical services such as deposits, withdrawals, and transfers. By eliminating the need for community residents to travel long distances to access banking, the initiative significantly cuts costs and eases residents’ financial transactions.

The empowering nature of this approach promotes trust in financial institutions. Community members can interact with familiar faces—teachers and leaders from the Tsangaya schools—who have undergone comprehensive training to provide financial literacy and other training to the community and effectively manage these cash points. Over time, the program will enhance economic engagement, stimulate local entrepreneurship, and help reduce poverty rates in historically underserved regions.

By placing financial tools within reach of marginalised populations, KAYI’s initiative offers a sustainable solution. Stakeholders, including students, parents, and local traders, gain firsthand exposure to the benefits of digital banking. Basic financial concepts—saving, budgeting, and prudent money management—are introduced in an environment that respects the community’s cultural norms and values.

This program’s potential extends beyond immediate monetary benefits. Supporting Tsangaya schools contributes to the broader goal of social development and community upliftment. If children have better prospects for skills acquisition and financial stability, fewer may be compelled to resort to street begging. Building trust and familiarity with digital banking services encourages more people to open savings accounts, apply for microloans, and engage in entrepreneurial endeavours.

KAYI Microfinance Bank’s efforts align with the broader objectives of financial inclusion strategies set by the Central Bank of Nigeria (CBN). With many remote regions in the North still lagging in access to credit and other essential banking products, the bank’s model provides a blueprint for how financial institutions can partner with local leaders to overcome distrust and logistical barriers. Further replication of this approach will likely spur economic activities, reduce unemployment, and help alleviate poverty.

As the pilot program continues, KAYI plans to monitor and measure outcomes to refine and expand the model. The ultimate goal is to replicate the initiative across more states in Northern Nigeria and beyond. The bank envisions a future where every region, no matter how remote, can participate actively in the digital financial system, thereby nurturing entrepreneurship and uplifting entire communities.

KAYI Microfinance Bank is a beacon of corporate social responsibility. By creating a culture of financial literacy among grassroots populations, the bank has set a high standard for other financial institutions to follow. By merging profit-driven objectives with a genuine commitment to social impact, the bank has created a virtuous cycle: stronger local economies, lower poverty rates, and a more inclusive financial ecosystem that can drive sustainable development across Nigeria.

Rabiu Alhassan Elkanawi writes from Kano, and he can be reached via email at alhassanelkanawi@gmail.com.