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Of CBN’s Farmers’ Loan And Accessibility

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The CBN Governor,
Godwin Emefule, has made public, the Central Bank of Nigeria (CBN) and commercial banks’ initiative to grant N300 billion loan to the agriculture sector in 2016. Good news! Isn’t it? His explanation suggests that the commercial banks are to use some of their liquidity to grant new loans to the agriculture sector and its value chains.
The bankers committee no doubt, has done this, to demonstrate their support to the efforts of the federal government to create employment and diversify the economy. However, all these support will be tantamount to effort in futility if the real farmers are not captured in the scheme. Portfolio and political farmers are known to always emerge from the blues whenever agricultural incentives are trumpeted, a reason for which many loan schemes had been traustrated as loans were never repaid because they were given to the wrong persons who never invested them.
Before the announcement of the release of the N300bn loan scheme by the Central Bank of Nigeria, Nigerian farmers have at various seasons and regimes, come to terms with exciting headlines and news highlights such as tax incentives for farmers, USDA grants for new farmers, grants for beginning farmers and ranchers, agricultural incentive programs etc.
While some farmers recount the testimony of how they were financially stabilised through these agricultural programs  and incentives of different governments others would say they are mere channel administrators and their cohorts pass through to loot government’s treasury.
The differing views about government’s attitude towards the farmers does not contradict the fact that at various times in governance, there were programs and initiatives orchestrated by the governments, purportedly to assist local farmers break-even and contribute to the country’s gross national product, neither does it highlight the Nigerian farmers’ in gratitude towards governments’ efforts at alleviating their plight and sustainable development.
The intervention of the world government through the introduction of the eight (8) millennium development goals (MDGs), broken down into eighteen (18) quantifiable targets that are measured by forty-eight (48) indicators, is enough pointer to the fact that a responsible government is never at ease while its citizenry groan in abject poverty.
The millennium development goal (1) which is about the eradication of extreme poverty and hunger, is a goal that can primarily be met through agriculture. As the foremost of the basic human needs, this can only be actualised if all the actors work together and play well their parts.
Apart from being seen to be helping the farmer who is a major actor in the ‘play’, the burden of poverty alleviation and eradication of extreme hunger is quite enormous to be left in the care of the farmers alone. Meanwhile, the government would only be said to be playing its own role according to the script to ensure an eventual success of the entire initiative.
From drought, extreme heat to sea level rise and flood, the farmer, especially the small holder farmer is on the frontline of climate change which every increase in climate shocks drastically affect livelihoods and yields. In recent time, weather patterns are obviously becoming more and more unpredictable, the farmers must not be abandoned to his fate else he would be found walking and working against the wind.
To help farmers source for viable crops and adapt to climatic changes, interventionary measures must never be compromised, efforts of the International Fund for Agricultural Development (IFAD), Food Agricultural Development and Management Agency (FADAMA) and series of agricultural development programmes are yet to be felt by rural farmers in the South-South geo-political region of Nigeria courtesy of poor management that is not driven by the objective of the initiators of these programs.
The agricultural mileage in Nigeria is no longer evaluated on the basis of the number of intervention schemes so far flown, but on the impact so far made. The era of how far is gradually giving way to that of how well. Hence, of great importance is the interest placed on who manages what fund and initiative.
Again, it must be told that those who can meet up with bank’s requirements for agricultural loans in South-South geo-political region are only portfolio, political farmers and not the core farmers. While Emefule calls on all hands to be on deck to boost power and transportation so that banks would achieve the goals of improving the economy, the writer is of the view that corruption in the agricultural sector can also be checked by setting aside bogus and stringent requirements for securing loans and going to the farmer’s site to see what the farmer has on ground with a view to seeing how he can be helped and even monitored to ensure that he realizes what it takes to repay his loan.
If agriculture in Nigeria must be taken to the next level, then now is the time to visit the farmers farms and act accordingly and not cataloguing unattainable paper requirements that can hardly be decoded by the farmer.

 

Sylvia ThankGod-Amadi

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Opinion

NDDC, A Regional Commission?

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

Frank Ogwuonuonu
Ogwuonuonu  is a free lancer in PortHarcourt.

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Opinion

That NANS’ Induction Of Former Tai LG Boss

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Last week, precisely Thursday, February 20, 2025,  students in Nigeria and the diaspora, under the umbrella of  the National Association of Nigerian Students (NANS) inducted the former Chairman of Tai Local Government Council, Chief Matthew NenuBari Dike into its Hall of Fame and gave him a certificate of recognition for what they described as his  “outstanding contributions to the development of education and students in Nigeria”. Presenting the award at Saakpenwan, headquarters of Tai Local Government Area, the National Vice President of the National Association of Nigerian Students, Mohammed Sabo,  said unequivocally that the induction into the Hall of Fame and conferment of the award on Chief Dike was essentially  by merit; a product of his endeavor in building the education sector and human capital in Nigeria.
According to the National Vice President of the National Association of Nigerian Students in Nigeria and the Diaspora, the students body does not have a history of conferring frivolous and financially induced awards on people. Chief Matthew NenuBari Dike is one of fewest local government area chairmen  of Nigeria that have been so recognised and honoured by students in Nigeria and the diaspora. This is a welcome development given the fact that Tai Local Government Area has not been one of the local government areas in Nigeria that has attained the social,  economic and infrastructural sophistication to come to national limelight because of its rural and seeming obscure nature. However , good works and success like light cannot be suppressed, not even by enemies. Success is contagious, a force and voice that speak louder than arm-chair and callous criticism.
Looking at the antecedents of the awardee and recipient of the Nigerian students goodwill, Chief Matthew NenuBari Dike, it is not saying a new thing that he deserves the honour. Within 100 days in the saddle as chairman of Tai Local Government Area, Chief Dike  had made significant achievements in  driving the development of the education sector and students in Tai Local Government Area, and of course, Nigeria, a feat that marked him out for honour by the National Association of Nigerian Students. Aside recruiting 250 adhoc teachers to improve teaching and learning in Basic and Senior Secondary Schools in the Local Government Area, the former chairman has also established a Special Science School to develop manpower overtime in critical areas in the Local Government Area having noticed that in the last ten years no student of Tai Local Government Area had gained admission to read, Medicine, Engineering, Medical/Health Sciences and many other science based courses.
Chief Dike’s initiative is therefore to address a felt  and critical need of the people. Through a rigorous screening process, 104 students emerged as the first set of students to begin the Special Science School at its take-off facility, Model Primary School 2, Uedume, under Mr. Tete Baridamue Osih as the Director. Speaking during the Inauguration of the School, two weeks ago, the former Chairman of Tai Local Government Area, Chief Dike affirmed his administration’s commitment to deliver a new building for the Special Science School . No doubt, the Chief Dike’s adventures in the Education sector is a novel, and capital intensive project. It is a road less taken; only Local Government Area chairmen who are selfless, sacrificial and committed to human capital development of their people can take up such gigantic project, considering the cost-implications. Establishing a fully-furnished Science School for the Local Government Area requires a modern laboratory, provision of science books, a state-of-art science library and adequate funding.
Recurrent expenditures such as payment of salaries of staff, political appointees, councillors, overhead, and other entitlements of workers combined with ongoing capital projects and empowerment programmes that the chairman of the Local Government Area is embarking on, amidst limited income source, make Chief Dike a celebrity in governance, after the like of his principal, Sir Siminalayi Fubara, the “Rivers First” Governor. Students in Nigeria and the diaspora therefore, were objective, sound in judgement and devoid of primordial sentiment when they adjuged the former chairman of Tai Local Government Area worthy to be inducted into their Hall of Fame and honoured for his contributions. The adage that the “aroma of the Fart determines the substance of the poo” finds expression in the person of Chief Dike whose exploits in the education sector aimed at developing the capacity of students to meet critical needs of the Local Government Area, is a testament that  Chief Matthew Dike will do more when given higher responsibility or another term.
John C. Mason, in one of his best sellers, “Leadership Gold”, said every human organisation rises and falls on leadership. A good leader will inevitably midwife development in his sphere of influence. This corresponds with the wise saying of the Biblican King Solomon that ‘when the righteous rules, the people rejoice but when the wicked rules, the people groan”. The socio-economic situation of a people to a great extent shows who a leader really is. The works or activities of a leader in relation to the people speak volumes of leadership stuff. Chief Matthew NenuBari Dike  made significant impacts in the education sector and human capital development for a greater development in Tai Local Government Area. He is determined to leave a legacy in the sands of time of that Local Government Areas by raising millionaires through his economic empowerment programme to drive self reliance and reduce the level of abject poverty the people wallow in.
If Chief Dike had to achieve such commendable feat within only 100days  of 1,095 days term of office, with availability of funds or sustained financial resources, a stable economy and peace, he had the capacity to achieve ten times what he had done for the people of Tai Local Government Area. While this is the beginning of a long and tortuous journey in governance, it is necessary to join students in Nigeria and the diaspora to commend Chief Dike for his impacts in the critical areas of education, human capital development, economic development, etc. To act contrary is to live out the saying of Decimus Magnus Ausonius that “The earth produces nothing worse than an ungrateful man”.

Igbiki Benibo

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Opinion

Dealing With Fake Drugs In Nigeria

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Since late Prof. Dora Akunyili’s tenure as the Director General of the National Agency for Food, Drug Administration and Control (NAFDAC), the fight against fake, illegal and expired drugs seemed to be in limbo until the current raid by the agency. For over one-week NAFDAC has been in the news as it has taken the war to the door post of fake, unauthorised, expired medicine dealers across the country. From Ariaria Market, Aba to Bridgehead, Onitsha, Anambra State, to Idumota drug market, Lagos, the stories are the same. Warehouses are being raided, medicine shops are being closed, counterfeit and expired drugs are being destroyed and so on. The current Director General of NAFDAC, Prof Mojisola Adeyeye, must be commended for the reinvigorated effort towards ridding our society of poisons in the name of drugs.
Some of these drugs according to NAFDAC are expired, imported drugs which are repackaged and pushed into the markets. Some of the seized drugs were vaccines stored in dilapidated, unventilated rooms, sealed with iron sheets in highly unsanitary conditions. It is doubtful if there is any adult Nigerian that is not aware of the damage caused to the citizens and the country by fake and substandard drugs. How many times have we or someone we know taken malaria drugs, antibiotics or other medicines for a cure of an ailment and they were ineffective? How many people in the country have died because fake or relabelled expired drugs were administered to them? Experts have posited that fake, adulterated, substandard drugs fuel antimicrobial resistance, as substandard antibiotics fail to properly treat infections, leading to stronger and more resilient bacteria.
The proliferation of these harmful substances is indeed a crisis of national significance. It threatens public health, weakens trust in the healthcare system, and exacerbates Nigeria’s already fragile health sector. Local drug manufacturers who invest millions of Naira to produce genuine, quality drugs for the citizens are denied the fruits of their labour by criminal syndicates who take advantage of regulatory loopholes and weak enforcement to flood the market with dangerous substances, putting millions of lives at risk. So, by all means, they should not be spared. But the question that begs for an answer is, where were the government agencies when these fake and expired drugs entered the country and travelled to the states? Why were they not intercepted at the point of entry either via the ports or the land borders and the importers arrested and prosecuted?
According to Adeyeye, most of these poisonous drugs are brought into the country through the ports and the porous borders. Is there nothing that can be done to beef up security and checks against illegal drugs at the borders? Or is it a case of the personnel at the borders looking the other way when they must have been settled thereby allowing unhindered entry of fake and unauthorised products into the country? It is also worrisome why we have allowed drugs to be sold in the open markets in the country. For many years, the federal government has been coming up with policies to address the uncontrolled and undefined buying and selling of medicine with or without approval, all to no avail. Open drug markets continue to thrive, leading to abuse and counterfeiting.
A former National Chairman of the Association of Community Pharmacists, Mr Samuel Adekola, in a recent interview bared his mind on the issue of open drug market. He said, “We know that open drug markets are not the best for Nigeria because of how the drugs are sourced. The government has been coming up with policies to address it, but you know that nature abhors vacuum, so once there is no alternative, these markets crop up because people must use drugs. Policies of the government must support alternatives which will make the drug distribution process/system in Nigeria a regulated and sanitised one. The whole essence of this is to save society from fake and adulterated drugs because the burden of fake drugs on citizen’s health and the economy is huge. Today, 70 percent of deaths in the hospitals arise from drug misuse or fake drugs.”
Early in the week, the NAFDAC DG during a television interview announced that the Kano Coordinated Wholesale Centre for drug marketers has taken off and that that of Lagos, Aba, Onitsha and other places are in the pipeline. Hastened efforts in actualising this will go a long way in checking the menace of fake drugs. Also, in addition to Adeyeye’s request for more funding and more staff for the agency to help in manning the borders and prevent the infiltration of poisonous drugs into the country, there is the need for technology-driven solutions to the challenge. The adoption of digital tools, such as mobile verification codes on drug packaging, can help consumers verify the authenticity of their medications. Blockchain technology can also be explored to track and trace pharmaceutical products from manufacturers to end-users.
NAFDAC and other regulatory bodies should be empowered with adequate resources to crack down on counterfeiters. Policies that improve oversight, enhance drug registration processes, and promote stricter penalties for offenders are essential. The nation’s drug distribution policy which stipulates penalties for defaulters must be implemented. While Adeyeye’s proposed death penalty for fake drug peddlers may be too harsh, many years imprisonment without an option of fine will not be out of place. While commenting on the recent raids, the National Chairman of the Pharmaceutical Society of Nigeria – Young Pharmacists Group, Tekena George showered some encomium on the NAFDAC DG, saying that beyond enforcement, her transformational policies promote local production of high-quality medicines in Nigeria, noting that by encouraging domestic manufacturing, she is not only reducing the country’s reliance on imported drugs but also strengthening the nation’s medicine security and economic resilience.
Indeed, over-reliance on imported drugs increases vulnerability to counterfeit products. Both federal and state governments should therefore encourage domestic pharmaceutical production, backed by strong quality control measures. This will ensure a safer drug supply chain. Nigeria should work closely with international agencies such as INTERPOL and the World Health Organisation (WHO) to dismantle transnational drug counterfeiting networks. Sharing intelligence and coordinating enforcement efforts will help disrupt the supply chain of fake drugs. Awareness campaigns are inevitable in dealing with the menace of fake drugs in our society. Many Nigerians remain unaware of the dangers of fake drugs. Government agencies, civil society groups, and healthcare professionals must therefore collaborate to educate the public on how to identify counterfeit drugs and report suspicious products.
Most importantly, the National Orientation Agency, religious and traditional leaders, parents, schools and other organisations must join hands in changing the “get rich at all cost” mentality of some Nigerians. As some people say, corruption, greed and selfishness are the root of all the problems in Nigeria. And unless these vices are dealt with all efforts at stemming fake drug distribution and other menace in the country will bear no positive result.

Calista Ezeaku

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