Nigeria

By Khairat Suleiman Jaruma

Halima is in her teens, tall and pretty. She had a charming smile. All through the chat, she participated actively, and I liked her for that. Halima has hearing loss, and she is mute. We had a conversation on menstrual hygiene at her school.

At the end of the chat, Halima volunteered to give a vote of thanks on behalf of the school. She said in sign language, “thank you for coming to talk to us about menstrual hygiene. We really appreciate it. When we make some of the mistakes you mentioned, we get mocked because we are mute, and most people don’t care about how we feel because they don’t think we have a place in the society”.

I felt my heart break. I fought back the tears that welled up at the back of my eyes. Then I remembered another encounter with a mute gentleman in Abuja recently. He also mentioned that most people in our society mock people who are mute and have hearing loss and other disabilities.

None of what both of them said was false. Instead, what these people experience is called disablism. It is the discriminatory, oppressive, abusive behaviour arising from the belief that disabled people are inferior to others.

In our society, persons with disabilities face stigma and discrimination in the form of negative attitudes among family and community members, name-calling, and wrong beliefs about the causes of disabilities, which results in low self-esteem, depression, and isolation.

According to the World Bank assessment, 29 million Nigerians have a disability, representing 15 per cent of the estimated national population of 195 million in 2018. Unfortunately, a vast number of this population live in abject poverty and are unemployed and uneducated due to stigmatization and lack of inclusion.

Most of the schools for children with special needs are in horrible shape. Parents with children with disability think educating a disabled child is not a profitable venture and can only help the child by keeping the child at home away from stigmatization. According to the National President, Joint National Association of Persons with Disabilities, Ms Ekaite Umoh, only two per cent of the people with disabilities had formal education.

In our hospitals, we don’t have provisions for people with disabilities. Patients with intellectual disabilities, e.g. deaf and hard of hearing persons, are disrespected when they complain of any health challenge. Their condition makes it hard for them to discuss their problems with doctors holistically, and several hospitals lack the facilities to ensure equal treatment of all patients.

Perry (2018) asserts that doctors find it hard to believe patients diagnosed with an intellectual disability. Accordingly, medical workers are fond of carelessly assuming that persons with intellectual disabilities fake symptoms and illnesses. This can infuriate patients who have a hard time discussing their conditions and cause the medical staff to demand psychiatric evaluations of the patient. Unfortunately, patients with disability are readily judged as mentally imbalanced when visiting hospitals for treatment or diagnosis (Ayub and Rasaki 283).

Regrettably, at some point in our lives, we all experience one or more forms of disability, at our young age or due to old age, accident or illness. That is why I feel we must take people with disability into consideration and create a society that provides the unique support they need to meet their particular needs, as we would also be beneficiaries of this support in the long run.

Remember that disability is a condition that could happen to anyone, and conditions are not curable. Such conditions can only be managed. So let’s create a system and environment that manages disabilities and optimizes the potential of people with disability. 

Khairat Suleiman Jaruma wrote from Kaduna via khairatsuleh@gmail.com.

By Najib Ahmad, PhD

We often hear people saying that ‘he [Sen. Rabiu Musa Kwankwaso] did it with the government funds.’ And so? Oh, you expect him to do it with his money; then, you will ponder whether he’s worthy of their gratitude. But, this is not how things have been done right from the inception.

If you read over the history of the previous great Muslim rulers like Umar Ibn Abdulaziz (61-101 AH), may Allah have mercy on him, you will realize the incredible impressions he left on people despite being a caliphate for a short period. But, it is known that all he had achieved and built weren’t from his funds. Still, he’s remembered and admired.

People often appreciate the history of how other nations developed, which primarily transpired through human development. But, for example, how do you think today’s China and Singapore got it right? Do you think they only wake up to all this in the morning? No, it was because some leaders decided to do it right and went on to create policies that enabled them to reach where they are today.

For instance, if you take China, they unconditionally relish Deng Xiaoping – the architect of modern China. While Singapore’s Lee Kuan Yew is also highly recognized as the founder of modern Singapore, they constantly appropriate him for its development. During their time as leaders of developing nations, all they have accomplished weren’t with their funds but with the government funds.

Those leaders’ priorities then were primarily policies on education and the industrial revolution transformation. Sending students, including the peasant farmers’ children, to universities worldwide via scholarships was part of Mr Xiaoping’s most significant policies that China benefited from. His initiatives have matured into a whole system, i.e., the China Scholarship Council (CSC) and China Postdoctoral Science Fund. This remarkable initiative alone helps them strengthen their universities and vocational colleges with a quality workforce and, in turn, enables them to become the world’s industrial powerhouse.

Today, check all your household belongings to verify the above. Those two leaders are still relevant in China’s and Singapore’s present days. You can’t underestimate their significance no matter how you try due to the enormous opportunities and equal advantages they created for their people.

I understand your frustrations, which is why one person out of more than 12 million people of Kano is receiving too many accolades. First of all, it is their choice to appreciate him, mind you. This is because he means so much to them. The good thing is, you can’t deny them this satisfaction even if you try. So, why the resentment? Allow those that prefer to do what suits them to continue thanking and re-thanking him till the end of time, if that is their wish. What’s your problem with their choice, fisabilillahi?

Above all, the main thing to look at is that appreciating Kwankwaso’s effort doesn’t physically hurt you or anyone else or destroy any of our fundamental values. In fact, it is teaching people to learn to recognize good deeds and be thankful to whoever is responsible or part of their progress in life. Isn’t this a harmless mannerism to learn, emulate, and propagate?

Dr Najib Ahmad is a Postdoctoral Researcher at Shandong University, China. He can be contacted via namuhammad03@gmail.com.

By Ahmad Deedat Zakari

The All Progressives Congress, APC, screening committee has disqualified ten aspirants vying for the presidency on the party’s platform. 

The Chairman of the Committee, Chief John Odigie-Oyegun, disclosed this on Friday, June 3, 2022, while submitting the committee reports to the ruling party’s Chairman, Abdullahi Adamu, in Abuja. 

The names of the affected candidates are yet to be disclosed, but 23 aspirants participated in the screening, and only 13 were reportedly successful. 

The successful candidates are expected to participate in the primary election scheduled to hold between 6 to June 8.

By Kasim Isa Muhammad

Education is the bedrock of development. Suppose the education system in the country can be revised to emphasize the practical aspect of education, particularly entrepreneurship. In that case, there is a great tendency that youths will be self-reliant and employers of labour. This is because they must have developed knowledge in technology and had productive knowledge for the future.

Education can be the key to success if the government, at all levels, can create a technical support platform for undergraduates to learn how to transform their knowledge into something useful for the nation.

Also, education can be considered a key to success when the students acquire good knowledge from qualified teachers and trainers. Therefore, the government needs to look for quality teachers, put them at the forefront, pay them good salaries, and equip the educational buildings with modern materials. If the students go through such a way of acquiring knowledge, education can be described as the key to success.

There is no doubt that education is the key to the problem in every human society, but, unfortunately, in Nigeria, the case is entirely different, where graduates roam the streets looking for jobs. However, in developed countries, students are taught to invest in entrepreneurship.

Recent statistics establish that 25 million graduates are unemployed, indicating that the government cannot employ the high population of graduates. Thus, there is a need for government to think and rethink providing job opportunities for our teeming youths.

Nonetheless, the government is doing its best to reduce unemployment with many programs initiated by President Muhammadu Buhari’s administration. The N-power is a good example. The program was solely established to reduce unemployment, but unfortunately, many Nigerians are misusing the money that will help them invest in entrepreneurship.

Yes, education is still a key to success when some skills are acquired. However, many of our graduates do not know that skill is sometimes more important than a certificate. Obviously, in the real world, people need to see what you can give, not what you have.

We all need to wake up from our deep slumber because the government cannot do it alone. We need to use the skills we acquired to help find lasting solutions to problems bedevilling the country.

Kasim Isa Muhammad wrote from Potiskum, Yobe state.

By Nusaiba Ibrahim Na’abba

It is indeed sickening and quite unfortunate to have been part of the Nigerians alive to witness the gruesome killing of Harira and her children and two others in Anambra State. We haven’t even been relieved of tensions that arose from the derogatory remarks on our beloved Rasul SAW. And amid these tensions, another heartless fellow has murdered his niece in Kano – a similar event as Hanifa’s.

Undoubtedly, these seven years since the administration of President Muhammadu Buhari kicked off have been the most unprecedented for many Nigerians. Stressful periods have made killings assume a state of normalcy, especially in the Northern part of the country, and many horrendous activities now don’t even get into the spotlight.

While we continue to deal with post traumas after witnessing more than enough horrifying stories of senseless murders and killings of innocent lives, we continue to fiercely battle financial uncertainties from different angles, coming in distinct shapes and sizes. There has never been a time when we have found ourselves at risk of losing our earnings. From a series of unfounded mobile messages to mysterious calls and emails from strangers, we have been bombarded with multiple ‘Yahoo! or 419’ daily. We think one step to securing our earnings while these ‘intellectuals’ are already a hundred miles ahead. Such is the cruel world we live in a while our leaders wander in a desultory fashion.

To begin with, are the ‘Yahoo intellectuals’. In this context, they have proven beyond any iota of doubt that they are efficient to prosper and have almost always never missed their targets by successfully outsmarting technologies our private financial institutions, alias banks, breaching secured accounts of innocent people in order thieve their hard-earned money – only God knows the kind of cumbersome efforts put in to get them. They are perfectly immune to any countermeasure provided by these banks. Only a few of them are being traced.

The height of this situation will not puzzle you until you hear a bank staff declaring that it is not the bank’s fault but ‘yours’ – the customers’ fault – who exposed your bank details to a ‘Yahoo Pro’ unknowingly. Ideally, banks are supposed to be substitutes for traditional means of saving assets, but the current situation shows that they’re becoming dangerous institutions. Filing a complaint is intensely laborious as your insignificant earnings do not matter so much to the banks. You’d spend hours in a queue to face your worst fear – they can do nothing to help you.

In a recent report published by FJI Nigeria, a student’s $2000 was stuck and only released after their report. Similarly, just on May 8, 2022, the same FJI Nigeria published how a nurse based in Ogun State lost her N95,000 after her ATM card got stuck in the ATM and after her communication with one of the GT bank’s staff. Millions of peoples’ earnings have continued to slip away through untraceable means as banks claim or through multiple deductions from the banks. In some southern states, you could be robbed with a gun when withdrawing cash from an ATM and others adopt POS machines for these fraudulent activities.

There is also another set of dubious humans that use religious covers to decorate their Yahoo strategies. For example, you’d receive calls from unknown fellows claiming to be in good spirits, giving references from the Holy Qur’an and directing you to a strange place where they want you to keep the money for them, and they help you in return. Sounds hilarious, though, but it still happens. Another way they opt for is by sending random text messages about a critical condition of their family member, and they’d threaten you to send a stipulated amount to them or fear the unthinkable happening to you.

Let me highlight that the current wave of rancorous political exchanges in the primary elections is also enshrouded by financial insecurity. We have all vividly seen the disparity in the offers presented to ‘delegates’; it all boils down to ‘money’. Of course, it unveils how deep-seated corruption is in our country, but it also paves the way for us to see that not only the ruled are financially unstable. As the delegates go for the highest bidder, so do the aspirants try to bid the highest amount or withdraw from the race and embrace the likely winner for basically financial and political advantages. For the aspirants, some are very calculative to either invest where they’ll win or save what they’ve pocketed.

I wouldn’t do justice to this discourse without reiterating the kidnap for ransom mishap that continues to flourish without any sign of slowing down. The ‘business’ has now reached a stage of maturity such that Nigerians are challenged to save for unwary expectations indirectly. You may not be directly involved, but your support would be needed when an outrageous amount of money is demanded from a person you know.

The dangerous convergence of economic hardship, lack of political will, and financial insecurity has placed Nigerians grievously. The damage done to widows, orphans, families, workers and students is unimaginable. Assets aren’t safe at home and are neither safe at the banks. And with the continuous devaluation of the Nigerian currency, the means of our sustenance has become an uneasy endeavour.

For now, the government is overwhelmed with so much politicking – divergences, convergences and calculations are taking a toll on virtually everything. So, since the major financial institutions that deal with the exchange of money are private, and the government has proven its incompetency to bring solace to our impediments being at the receiving end, we can offer solid suggestions on how best we can be treated with dignity by these banks.

Securing our dignity and finance at this point means banks must make a move to create codes that we can use to halt the operation of our accounts when necessary. It’s distressing how they have created codes for transfers and recharge card purchases without prioritising securing our accounts. This can be a gigantic step to counter our susceptibility to fraudsters as they are fully aware that their malicious intentions can only be crushed when the damage is done.

Then, it would be worthwhile for the government to equip its legal system to challenge these private financial institutions to ensure sanity in their operations. I firmly believe they aren’t above the law, and nobody is.

Nusaiba Ibrahim Na’abba is a master’s student from the Department of Mass Communication, BUK. She is a freelance writer and researcher. She can be reached via nusaibaibrahim66@gmail.com.

By Prof. Abdelmalik Abdelghaffar Amoka

The strike is 14 weeks (1 semester) today and we don’t know how many more weeks we are going to spend at home before getting back to classes. The closure of the universities has afforded us to spend a lot of time on the net, especially on social media, and following the happenings around Nigeria and the rest of the world. It is no more news that primary elections are ongoing in Nigeria and delegates are trending. The best business at the moment is to be a delegate of any of the two major political parties and you make cool millions at the expense of Nigeria. From the State House of Assembly, House of Rep, Senate, Governor, and Presidential ticket of APC or PDP, it is for the highest bidder.

They said Nigeria is broke and can’t fund education but contestants paid so much for nomination and expression of interest forms and are buying delegates to get their party’s ticket to contest to lead Nigerians. They have also budgeted the money to buy votes for the main election. Is Nigeria really poor? Who pays so much to lead a broke organization? While ASUU is on strike because that is the only thing to get the attention of our leaders, the president is traveling around the world, his associates are moving around the country with billions of naira looking for tickets, and the students are at home on Instagram, Facebooking, tweeting, and tiktoking.

You would have expected the students to take their destiny into their hands, but they can’t. They are celebrating the withholding of the salaries of lecturers, queuing behind the politicians looking for tickets, and celebrating the highest bidders that got the ticket. A few weeks ago, the students said there won’t be a primary election in Abuja if the strike is not called off. But PDP just finished its primary election in Abuja in the game of the highest bidder. I actually did not take the threat from our new generation of student leaders serious looking at the “success” of their recent university of the street protest.

With our version of democracy, there will never be money for education, healthcare delivery, and other critical sectors since they have to recover the invested funds to get “elected” with interest. It’s difficult to fight corruption because the foundation of our democracy is corruption. The person expected to fight corruption is fully immersed in corruption. So, how is he going to get the job done?

Somebody once wrote that the government want to give a loan of 1 million naira to students and ASUU was against it. This is the scam. Do you still remember when DISCOs in collaboration with FG came up with electricity bills by bands in 2020? Less than 2 years later, the band on a minimum of 20 electricity per day now gets less than 4 hours electricity per day and no one to complain to and no compensation. That is what will happen to the student’s loan. They will give you the loan which you can’t pay back because there is no job except you the money to buy a job as is currently obtainable. After about 5 years later, the loan will stop and you are stuck with tuition that an average Nigerian parent cannot afford. But why is ASUU even bothering itself with this scam? Why is ASUU thinking for the parents and the general public? We possibly need to start thinking of letting it be and focus on our welfare. Let’s allow the government to introduce tuition and leave that to the public to deal with.

While the government is complaining of no funds for education and our universities are closed for 1 semester and still counting due to a crisis between ASUU and FG over university funding and welfare, the Petroleum Technology Development Fund (PTDF) has shortlisted 8,800 applicants for its overseas scholarship programme. This scheme is smoothly going on every year for over 20 years without any complaints. It is budgeted for and no need for a strike to get that done. Our universities are underfunded and we are shipping our limited resources abroad in the name of the overseas scholarship to contribute to the development of universities in Malaysia, the UK, Germany, France, and China through PTDF, TETFund, NITDA, etc.

These scholarship schemes have been on for over 20 years and we are gladly sending more for MSc and PhD abroad every year on public funds while public universities are underfunded and ASUU has to fight, the academic calendar distorted to get a little attention for our public universities. While the scholars on FG scholarship are living a comfortable life abroad, the students in Nigeria’s public universities are studying under pathetic conditions and have to suffer from the frequent ASUU strike.

Sadly, the bond signed by these scholars is just a formality as you don’t have to come back. Even the scholars that came back to the country are frustrated and can’t fit into the system that funded their scholarship as there is no preparation for their return. No provision for a conducive environment to enable them to be productive and train others.

You spent so much money to train scholars every year without any plan for them. If care is not taken, the amount of money spent on these scholarship schemes every year may be close to half of the money being requested for the revitalization of public universities. We are rich enough to keep funding overseas scholarship schemes to train individuals but too poor to properly fund public universities to develop better mass human resources for our system.

Meanwhile, what are the objectives of these scholarship schemes? What is the timeline to achieve it? It is definitely not for life. Has PTDF, TETFund, and NITDA sat down to evaluate how far we have gone and the impact of these schemes so far on the system with respect to the objectives? Where is the report? Haven’t we trained enough manpower to be empowered to train others in our universities in Nigeria? Why can’t we redirect these funds to our universities for these trained scholars to use to train others?

Unfortunately, we are developing individuals and not the system. The scholars are trained for themselves, the delegates’ vote is for the highest bidder, the highest bidder will bribe the voters to win the election, and the winner of the election will go there to help himself and leave the system poor. I watched a video recently where the wife of a governor was sharing 1 million naira each to her security staff. Where did she get the money from? State resources? She is not known for any business. Teachers in that same state are paid 17% of their salary. They don’t care what happens to public schools at all levels.

Dear Nigerians, as the delegates that you sent for the primary elections, are happily enjoying the money they were paid for their vote and you are celebrating the highest bidder that got the ticket and mocking those that could not afford to buy the delegates, just know that they have just been paid the money meant for education and other critical sectors. We have lost the moral right to complain about corruption.

Dear students, It is a vicious cycle and it ain’t going to change till we are willing to change it. The lecturers have taken their decisions and they are willing to stay off academic activities for as long as possible with or without salary, till their demands are met. The politicians don’t care that you are at home after all their kids are not in public school. They are bribing their ways to sustain their political and economic dynasty and the delegates are happily collecting it.

Meanwhile, who were the returning officers at the primary elections? Definitely not Professors. Tomorrow you will start blaming ASUU that Professors helped them rig elections. Politicians know how to rig the elections with or without the presence of the Professors that the INEC boss invited. So, use your head when you blame ASUU.

In conclusion, the people that can raise such an amount of money to spend to get political positions can also generate funds to save our universities from collapsing if they so care to lead you. It’s up to you if you want to remain at home, Facebooking, tweeting, tiktoking, and keep watching as the system keeps decaying. The ball is in your court.

Amoka is from Ahmadu Bello University, Zaria, Nigeria.

By Aliyu Nuhu

Now I said Tinubu will take the APC ticket. The wait won’t be long but facts on ground support his candidacy. If it is about winning this election, APC can’t make the mistake of destroying the regional alignment that gave it power in 2015. North and Southwest can work together and cruise home to victory.

PDP will not win this election whether Buhari is popular or not. Whether his government failed to deliver on its promises and rubbished Nigeria’s economy and allowed insecurity to exacerbate people’s suffering is also immaterial. Performance is a good requirement but winning Nigeria’s election is not that straightforward because of the kind of voters we have who are largely poor and ignorant.

Democracy flourishes where there is prosperity and enlightenment among the voters. Stomach infrastructure plays a bigger role in Nigeria’s election. I am saying this to underscore the importance of having governors during presidential election. No party with a sitting governor will fail to get at least 25% of the votes of his state.

In this election APC has all the states where the numbers are concentrated and will surely deliver their states to the party. PDP has only four states in the North.

Having federal government is another big booster to APC. Security agencies always work for the government in power. There is also federal resources from CBN and NNPC and what the ministers will bring on the table from their ministries. Even INEC is working hands in gloves with federal government. APC has a big advantage there over PDP.

Some people will argue why PDP lost election in 2015 when it was in power. It was because the PDP broke to pieces before the election with all the important governors leaving the party. Jonathan was stoned in states where PDP had governors. If you don’t have governors that will work for you, forget presidential election. It is impossible to win Nigeria’s election without controlling states.

The danger of PDP relying on South East votes is that there are few voters there despite the region being notorious for voter apathy. Actions of IPOB will also stop people from voting, this is the reason why I say the region is not important in winning election. This a fact not a support for APC.

Atiku has tenaciously been in the race for Nigeria’s president and with his fierce independece and good health he will outperform other candidates. But this is a moment of truth. He is in the losing party and may have to wait for Tinubu to finish his eight year terms, besides the fact that the North cannot rule Nigeria forever. Power has to go to the South this time, and Southwest for that matter.

Last year I wrote on the biological retirement of older northern Nigerians and after 2023 if you add with years to their ages, most of them will either be in their graves or in their late seventies and eighties struggling with health issues.

By Muhammad Umar

This is the beginning of my participation in politics to the fullest, especially on social media. I am gradually learning one or two things from both the recorded victories and failures in some instances. I believe it’s unarguably a fact that, in it (politics), you either be on the winning or losing sides.

In times of political victory, you become so excited as if the happiness will never end. Likewise, failure makes you feel uncomfortable or like nothing is enjoyable to you in the entire world. You become frustrated. Some can even get out of their senses and do something regrettable without awareness.

Thus, some lessons I have so far learned are: 

1. Be careful of what you say, write and post on social media because it might one day come back and haunt you. Make sure whatever you write doesn’t involve insulting/harsh words and terms that can downgrade your integrity in the eyes of your followers and friends in struggle. 

2. Learn to be patient in whatever situation you find yourself in. Sometimes you might be provoked by the commentary of some people (your opponents). Be conscious of your wordings while responding to them in times like that. Though it’s not any comment worth your attention, you can neglect some of them to allow peace to reign. 

3. Choose whom to follow and associate with while participating in political activities. This could include your political mentors, guardians and other friends in struggle. Because sometimes, you could meet somebody who can help you, i.e. someone who can be a reason for you to become somebody in life. But if you choose the wrong person, they can be a disaster for you and your political carrier.

Please, be politically wise and active in all the activities that could bring changes to your (our) societies.

Regards!

Muhammad Umar wrote via muhammadumardanmasani@gmail.com.

By Abdullahi Abubakar Lamido

Bleak Economic Future on Losing bread Winner

Think of it; the moment you die, the socioeconomic status of your children and wives changes. Your children (those young among them especially) become orphans, and your wives are called widows. While alive, you worked hard and earned for their feeding, clothing, shelter, education, healthcare and general wellbeing. The moment you die, they lose a breadwinner. If in your lifetime you have searched from the Islamic Sharī’ah, you would have learned the art and science of planning beyond your lifetime for these prospective widows and orphans. After relying on Allah, you would have built for them a prospect such that they would live a life of meaning, success, prosperity and contribution, insha Allah. And here comes the relevance of family waqf; waqf, in general, being the Islamic instrument for institutionalising philanthropy and ensuring perpetuity in giving!

Family Waqf as a superb socioeconomic institution enables one posthumously to maintain his parenthood and breadwinner status for his family, generates him reward permanently and preserves the dignity of his progeny everlastingly. In family waqf, you find one of the essential instruments for planning the future prosperity of your progeny.

Family Waqf as Solution

Family waqf, also called posterity waqf, is a kind of endowment created as a futuristic investment for the sustainable prosperity of the endower’s relatives or friends. It is often called a restricted waqf, distinct from a public waqf whose benefits go to an open class of beneficiaries. It can be for the immediate family; wives and children. It may also include parents. It can be made for the extended family, depending upon the financial capacity of the endower. One can make a family waqf for a child with a special need, say one with sickle-cell disease. The beneficiaries of a family waqf, in short, are those defined by the endower.    

Significantly, although the primary beneficiaries of this form of waqf are those pinpointed from the endower’s family, time may expand the scope of the recipients of its fruits. When, for example, the revenues generated from the waqf grow so large beyond the family’s need, or when the family gradually goes extinct after some long time, the waqf could be converted to a public waqf, expanding the coverage of those who enjoy its benefits. Therefore, what distinguishes a family waqf from a general public waqf is its scope of defined beneficiaries. Virtually all other rules of its governance are the same with public waqf. It can be made a direct waqf, one that creates direct benefits, on an investment waqf whose revenues are distributed to the designated recipients.   

Family waqf can be made for the provision of all forms of welfare and empowerment services for the family. It can be made for education, healthcare, feeding, clothing and other needs. It can also be made, specifically for the sponsorship of Hajj to family members. In this regard, instead of spending five million naira for two or three members of the family to perform Hajj this year, the same amount can be invested as a waqf, such that after its maturity, the proceeds from the investment waqf can be used to sponsor Hajj for a certain number of family members every year. With proper management and Allah’s barakah, instead of three family members, dozens of them can enjoy Hajj from the same seed money even long after the demise of the original donor. Waqf multiplies benefits and rewards manifold.

More often than not, you hear people complain over the demands of their family members overwhelming them even as they want to contribute. But little do they know they have a satisfactory answer in family waqf. For example, suppose you know you spend two million naira for the education of your children and extended family annually. Why not make an investment waqf so that the proceeds of the waqf relieve you of any spending in that direction in some years to come?

Form and Functioning of the Family Waqf

A person can build a rentable shopping complex, subscribe to Islamic bonds (Sukuk), buy shares of a halal company, and dedicate the same and profits thereof as a waqf for the education of his children and grandchildren. Likewise, one can build an orchard full of date trees, mango trees and other fruit-bearing trees, dedicating them as a waqf for the future specific or general financing of the needs of their children.

When the endower specifies in the waqf deed that it is only for the education of his children, then, as a rule, no part of the rentals shall be spent on other needs, just as the resources cannot be used to fund the education of children other than his, except when the yields grow far beyond the education of the designated siblings. If the endower dedicates it to education and healthcare, its proceeds cannot be diverted to feeding the family or other things except under absolute necessity. All this is to safeguard the sanctity of the waqf, ensure its sustainability, and guarantee the continuous flow of its yields in line with the overall goals and objectives for which it is created.

 The good thing is that, like all other waqfs, making it a family waqf makes the investment/asset inalienable. It prevents it from being counted among the inheritable wealth of the endower, as it will remain a separate entity that creates benefits perpetually to the entire qualified beneficiaries. The asset can neither be sold nor given as collateral. It remains a waqf asset. This way, even when the children need other things, they source them outside the waqf, allowing the waqf to maintain its defined purpose perpetually.  

The idea behind family waqf stems from Islam’s emphasis on ensuring the wellbeing of a person’s family and biological relations and the need to spend continuously on all aspects of their needs; spiritual, intellectual, biological, physiological, socio-cultural, and so on. Talking about spending, the Qur’an draws attention to prioritising spending on the family. When, for instance, the companions continued to ask the Prophet (SAW) how best to organise their spending, Allah intervened with a divine spending formula: that whatever you plan to spend for good or charity, direct it to your “parents, relatives, orphans, the needy and the traveller” (Qur’an 2: 215).

Your family, in short, occupies the first three spaces on your scale of spending preference. They are the primary beneficiaries of your giving, be it obligatory or voluntary. Now, if, as the Prophet declares, the most pleasing act in the sight of Allah is one that is perpetual and sustainable; then it becomes apparent that the most rewarding spending on the family is the “gift that keeps on giving”, that is a waqf that keeps bearing fruits to the family.

Start Early, Start Now!

It is important you begin the waqf plan early. Many people start their marital lives with moderate incomes, which, with little adjustments, a futuristic mindset and financial discipline, are sufficient to be divided into consumption, saving and little investments. However, financial shortsightedness often prevents them from allocating some portion of that “meagre income” to what would ease their financial burdens and create a sustainable flow of income – and reward- for themselves and their family in the future. Little do they realise that as their family grows, so do their financial burdens. If these are added to inflation and other economic unpredictables, the complexity of the situation worsens.

Many people do not also realise that the best immunisation from the negative socioeconomic consequences of shrinking disposable income is to begin early implementation of an effective financial plan. Many begin to regret when the regret cannot change anything; they would want to start to cry when the head is already cut off!  

So, plan for the future of your beloved wives, children and relatives. That is a Sunnah, a well-established one, for that matter. A viable and well-managed revenue-generating waqf can do that for you. You get double rewards; you safeguard your family’s future Islamically and earn rewards perpetually. Make an effective plan for their feeding, sheltering, education, medicine, and socioeconomic prosperity. Make a waqf for their Hajj, ‘umrah and general spiritual wellbeing. That is sunnatic. Do not miss the opportunity to practice this multidimensional Sunnah, the Sunnah of family waqf. Our dear mother and wife of the Noblest Prophet, Aisha, reports to us that the Prophet (peace be upon him) dedicated his seven gardens as waqf to benefit the clans of Banū Abd Muttalib and Banū Hāshim as recorded by Bayhaqi.

We also see emphasising family waqf in the guidance of the Prophet to his companions. After the revelation of the verse “By no means shall you attain righteousness/piety unless you spend of that which you love; and whatever good you spend, Allah knows it well” (3:92), Abu Talha met the Prophet and said, “This is what Allah has revealed, and the most treasured of all my wealth is this garden, Bayruhā’. I have set it aside as a ṣadaqah to attract reward from Allah. Therefore, you should administer it the way you wish”. The Prophet was amazed by this gesture. And so he said, “Certainly your wealth is blessed. Having heard what you have said, I recommend that you dedicate it as a perpetual charity to your relatives”. Based on this Prophetic advice Abu Talhah made it a waqf for his close relatives and cousins (Bukhari and Muslim).

It is interesting also that most companions of the Prophet are reported to have implemented this Sunnah. For example, Caliph Abubakar dedicated a house as a waqf for his son, and Umar dedicated a waqf near Marwa to his son. Also, Zubayr endowed a house in Makkah, another in Egypt, and yet another in Medina as waqfs for his children. Amr b. ‘Āss endowed a house and another huge property in Mecca for his children, just as Hakīm b. Hizām also dedicated a house as a waqf in Mecca and another in Medina for his son. After reporting all of these, Ibn Qudamah says in al-Mughniy, “All this are intact till date”.

Family waqf is a Sunnah of the Prophet, his companions and generations of Muslims in the last fourteen centuries. It is a well-developed institution that grew as a robust instrument for family empowerment and societal development until it faced the orchestrated wrath of the colonial monsters. The colonialists saw it as an institution that gave families and societies independence against their mercilessness and hence officially abolished it in Muslim nations like Egypt, Morocco, and so on.

Sadly, there is hardly any evidence of its practice as enshrined in Islamic law and civilisation here in Nigeria. With the growing waqf awakening in Nigeria, one hopes that a new page would be opened for entrenching this all-important Islamic civilisational institution. The good news is that with each family doing it, we gradually build a new waqf generation. Through that, we give a big blow to poverty at family levels before we finally eject it out of our communities. The early we sow, the earlier we reap. The more we sow, the more we reap. May we begin this journey NOW.

Abdullahi Abubakar Lamido, Chairman, Zakah and Waqf Foundation, Gombe . He can be reached via lamidomabudi@gmail.com.

By Simbo Olorunfemi

It might yet turn out that, by some accident or slip on the part of members of the National Assembly, Nigeria might have stumbled upon a system that might yet become useful in retooling the mechanics of the Presidential system as we currently practise it.

Of course, the idea that the template that had been forced upon the political parties for the election of Candidates in this election will outlive this season is unlikely, as letting the Buhari ‘veto’ stay would amount to class suicide, with power of election/selection slipping out of the hands of those who had assumed the status of ‘statutory’ or ‘super’ delegates. The Legislators are unlikely to ever let that happen.

But I wouldn’t let that stop my interrogation of what is accidental, but I see as potentially beneficial intervention in the electoral system.

Whereas the idea of electing candidates through a collegiate system, made up of delegates is not new, what has played out this time around is one in which all the delegates who participated in the election of candidates were elected. Whereas these ones were supposedly ‘ad-hoc’, who were to be add-ons to the supermen and women who are automatic delegates by virtue of the offices they hold/held.

So, as the malfunction in the legislative process led to the omission of super delegates who had been the dominant players in the space, the task of producing candidates was solely left to the adhoc delegates, who suddenly became beautiful brides desperately sought by aspirants.

Whereas there has been a lot of talk about what has become a highly monetised delegates procurement process, my observation does, in fact, suggest that it is the statutory or super delegates who have constituted themselves into ‘cabals’ and pressure groups, taking advantage of their positions to put pressure on aspirants, leading to the monetisation of the process.

First, we have former members of the National Assembly, having formed themselves into groups, waiting for the period of elections to milk aspirants. Then, we have a situation in which the list of delegates tilts heavily in favour of these groups, making the system more susceptible to manipulation.

So, what is wrong with tweaking with this accidental system that we now have and explore the possibility of institutionalising it as a model for electing Candidates?

As we have it now, members of the party go through a process of election which see them emerging as ward, local government and State delegates, to be able to vote for candidates in the different elections.

Whereas the contest within the parties to qualify as a ‘Delegate’ was not one that had the big players contending, having already qualified to participate in the process as statutory delegates, I will argue for the idea of statutory delegates to be scrapped entirely.

I will argue for a system in which all delegates are elected by members of the party. This primary election had 5 delegates per ward (APC) and 3 delegates per ward (PDP) for the State House of Assembly Elections.

I will make a case for the primary election for the office of the President to be one delegate per ward, which would be the total number of delegates eligible to vote to 8, 813, just about what we had with statutory delegates participating in the process. But under this proposed arrangement, anyone who wants to be a delegate, either already elected into office or a political appointee will return to his ward to stand for election, and if qualified will serve as delegate at the Presidential primaries. Local government and states delegates will also emerge through the same process.

This system strengthens the party and returns power to the base, having within it some elements of the parliamentary system which I prefer and advocate a return to.

Simbo can be reached via; simboor@yahoo.com