Features
The Amazing Life Of Sani Sisters

Abuja-based Hajia Ameena Hassana Sani and Hajia Hadiza Hussaina are identical twin sisters with a difference.
They look so remarkably alike that telling them apart has been one big task for everyone who comes across, including their parents, since they were born more than 50 years ago.
According to experts, identical twins represent a real torture test for biometrics. This holds true in the lives of the two sisters whose fingerprints have also confused data capture machines over the years.
As if that is not enough, they exhibit certain physiological and personality traits that sometimes make them seem like two computer monitors connected to one central processing unit.
For instance, one would start a sentence and the other would finish it, or both would start the same sentence at the same time with the same choice of words and all the mannerisms and gestures that follow.
“This thing is in the psyche,’’ Ameena said, “even we can’t explain it. I may be thinking of asking her a question regarding what I am thinking, and she will just give me the answer before I let it out.
“And I would yell `stop entering my brain, you know, stop reading my mind. These are the things that happen to us,’’ she said. “It is telepathic!’’ Hadiza added.
Sharing their amazing story, the Sani twins recalled how, on a particular day, they confounded their foster mother when they inadvertently dressed exactly the same way at different locations.
Hadiza narrated: “There was this time I was here in Abuja and my sister was in Lagos. We were to go to Kaduna.
“So, that Friday morning I left Abuja, and arrived in Kaduna by road, while my sister boarded her flight from Lagos. I met Mama in her living room and after the usual greetings; she said she needed to make salad, but that she forgot to buy a certain vegetable.
“I said no problem, I would go, and then I left. About 30 minutes later, my sister arrived home from the airport and met mama in the living room.
“The old woman started ranting, `what is wrong with you?! It is almost time to serve the salad, and you have not gone to buy the vegetable. What are you waiting for?’
“My sister said, `hellooo, excuse me mama, what vegetables?’ The woman looked at her with surprise and said, `are you going senile at your early age? You and I just finished talking about buying vegetable for salad. What are you waiting for? Go and buy it!
“She said, `mama, I am just coming in from the airport’. The old woman exclaimed, `La illah, illah lah!’
“Mama stepped back, and looking more closely she said, `What! Do you know your sister is dressed exactly the same way, up to earrings?! It was amazing.’’Both mom and daughter burst out laughing.
Till date, the twins cannot explain why they both have crooked baby fingers pointing in the same direction, or why they unconsciously interlock their fingers while walking.
Another surprise: they share and swap illnesses. While Ameena is prone to stomach upsets, her twin sister is often down with backaches.
“At some point, we interchange the ailments. And my sister would say `give me back my backache and take your stomach upset’.
“We started wondering why. Up till now, we don’t know why,’’ Ameena said.
During the interview for this article, the writer observed that Hadiza, the younger twin by minutes, is taller than her sister.
When this was pointed out to them, Ameena said anatomical variation is something they also constantly swap between them. It is either one gets taller today and shorter tomorrow or they level up.
Perhaps, the weirdest thing about the Sani twins is their fingerprints, which seem to be identical as well.
Indications to this effect emerged during their biometric capturing for voter registration in 2011, the National Identity Number (NIN) and the Bank Verification Number (BVN). On each occasion, Ameena’s registration failed, while her sister’s sailed through.
Hadiza said: “The first time we were captured was in 2011 during voter registration. Since we were both in Kaduna, we decided to register there. We went for capturing and when the list came out, my name was there in our ward, but hers was missing.
“We made enquiries and eventually got someone to inform Attahiru Jega (then Chairman of the Independent National Electoral Commission) that there seemed to be a problem with the capturing of twins, particularly identical twins. I think they didn’t take us seriously. We thought the belief then in INEC was that no two persons could have similar fingerprints.
“Then we both came to Abuja to capture for the National Identity Number. We both did it at Radio House; I sat in front of one system, she sat in front of another. We were captured and given our slips. The list came out, but only mine was there.’’
Ameena added: “I think it was due to the alphabets. Her name starts with H, mine A. So, the first alphabet that comes in gets knocked off. We then started making enquiries and making a case not just in voter registration but also in National ID.
“Then we also experienced a similar problem with BVN. We operate in the same bank, but different accounts. It was a tug of war. Each time we went to the bank they would say problem with our BVN.
“So, finally we said we wanted to speak to the person in charge at CBN. We had to explain to the lady that we were two persons, not one. Eventually, our bank had to make a case to CBN that we were a peculiar set of twins. That eventually got that sorted. These are some of the strange things we experience.’’
Born in Sokoto to a Hausa-Fulani father and a Yoruba mother, Ameena and Hadiza who have been inseparable since birth, attended the same primary, secondary and tertiary institutions.
It was difficult for their parents to separate them due to a combination of the fear of losing them and the traditional superstitions about twins.
They were born on 1 September 1965, into a family with a history of non-survival of twins. Considering their traditional backgrounds, their parents and relatives believed there were some rituals that had to be done to make them survive.
“ And then they noticed something: if one ran temperature, say around noon on a day, by evening the other will also run temperature.
“That strengthened their belief that twins had some spiritual powers, and those things guided the way they treated us, and the decision to keep us together,’’ Hadiza explained.
With keeping them together came the big challenge of identifying them. Even their parents couldn’t tell them apart. As a way out, they had to be tagged with wrist bands in different colours (blue for Ameena and red for Hadiza).
Hadiza recalled some instances where she took advantage of the confusion to escape punishment for offences committed both at home and in secondary school where they were initially placed in the same class.
“While in secondary school (FGC Sokoto), I used to be like a tomboy, very brazen, I didn’t have a lot of fears. I got into a lot of fights with boys. I fought a boy, the teacher came and broke it up, but the boy decided to report to the principal, who sent for me.
“I went and narrated my version. He warned me against fighting next time. I left thinking up how to get back at the guy for reporting me. So, I put some dead insects in his plate, including one that was not quite dead, because he had phobia for insects.
“The boy knew it was me, so he came and attacked me. I fought him, fell him to the ground and he went to report me again. From that point on I had made up my mind that the principal and I would not see again.
“The principal kept asking for me and finally he went to Ameena and threatened to punish her. But my sister started crying, insisting she didn’t know what the man was talking about. The teacher intervened and said it was possible because we were identical twins, and that it could be that my twin was responsible.
The similarity also reflects in their career choice, which has led them both to the media world. While Ameena currently heads the multi-media unit of the News Agency of Nigeria (NAN), Hadiza is with the Voice of Nigeria (VON), both parastatals under the Federal Ministry of Information and Culture.
It all started at Model Primary School, Sokoto, where they were both in the debate club. Endowed with tellingly sharp tongues and quick minds, the girls were always found arguing about issues and driving home their points.
Their late uncle, who was then working at a television station, decided it was time to take it to the next level. The station had just started a children’s debate on television.
“ We went for the first session and the production was wow’’, Hadiza said. “A lot of people started asking for more. At the end of the day it became a routine thing.
“As we grew older, it stuck. Our father wanted us to study what was termed more serious arts like Law, Political Science, Public Administration, but we insisted we wanted to study performing arts, and got our way.’’
That dream took them to the University of Ilorin where they secured admission to study performing arts. Also faced with the challenge of telling them apart, the department later placed them in different units: Ameena in Music and Hadiza in Drama, the twins recalled.
But before then, they had got married after secondary school, with kids: Ameena has three, while Hadiza is blessed with two.
For the Sani twins, breaking up to get married to different men was like taking fish out of water. The bond between them was obviously much stronger than that of marriage.
So, when Ameena’s husband came for her hand in marriage, expectedly Hadiza did not like either the man or the idea of her sister leaving her.
“But I had decided I was OK with him”, the older twin said. “Initially, my sister was like, ‘ it’s ok, take her away. You want to go with him? Ok, fine leave me and go with him’.
“As soon as she also got married, it kind of doused that a bit. But new things came up. We discovered we preferred each other’s company to other persons’.
“My husband found it odd that I wanted to spend more time with my sister. It goes beyond what we could explain.”
Hadiza was also more drawn to her twin sister. Thus it was not difficult for them to divorce their husbands just to be together.
Divorce also provided the needed space for them to return to school. Ameena said, “In our society then, when you finished secondary school that was the highest level of education that was expected of women.
“Although, there were exceptions, about married women who had first degrees and even above at that time too, they were very few and far between.
“But gradually the society embraced girlchild education to whatever level. Some of us had to fight the battle too.
“We decided that since the kids were already there and growing, we needed to further our education. We took that decision and went.”
Interestingly, the Sani twins quarrel a lot, yet they refuse to be separated. They said the quarrels were usually over mundane and petty things as siblings would naturally do, but theirs were even more petty.
Arubu writes for the News Agency of Nigeria.
Harrison Arubu
Features
Vocational Education And Nigeria’s Economy
The importance of vocational training to the development of any nation cannot be over emphasised. Technical education experts define vocational education as any form of educational program or course that focuses on teaching the specific skills and knowledge required for a particular job or trade. Unlike traditional academic education, which is often broader and theoretical, vocational training is practical, hands-on, and tailored to prepare individuals for specific careers or industries. They also argue that the dearth of trained vocational and middle-level technical manpower represents a very serious gap in the development of third-world countries, including Nigeria. This argument, perhaps, underscores the Federal Government’s bold move towards educational reforms in Nigeria which includes the inculcation of vocational education into the schools curriculum as a way of equipping students with practical skills and enhancing their employability.
A recent statement released by the National Orientation Agency (NOA), indicated that the government has added 15 vocational subjects to the Basic Education curriculum. These additions which take effect from January, 2025, they said, are designed to promote hands-on learning and better prepare students for the job market. The new subjects include: Plumbing, tiling and floor works, POP installation, Event decoration and management, Bakery and Confectionery, Hairstyling, Makeup, Interior Design, GSM Repairs, Satellite/TV Antenna Installation. Others are: CCTV and intercom installation and maintenance, solar installation and maintenance, garment making, agriculture and processing, which covers crop production, beekeeping, horticulture, and livestock farming (e.g., poultry and rabbit rearing) and Basic Digital Literacy, incorporating IT and robotics.
The former Minister of Education, Prof Tahir Mamman, who earlier hinted on the new curriculum for basic schools during a meeting with stakeholders in Abuja, last October, said under the new curriculum, pupils in basic schools will be required to acquire at least two skills. According to the former minister, “The idea is that by the time children finish school, they should have at least two skills. Students should be able to finish school with a minimum of two skills so that they can have a very productive life. “The basis for the curriculum is the National Skills Framework, and it has been approved. It’s a very big project; it affects all schools in Nigeria, public and private.“Whether in the public sector or private sector, all schools are going to implement it. So, this is already determined. It doesn’t require anybody’s consent or any institution can depart from it.
Speaking on implementation, the Mamman said, “We do not expect comprehensive, full implementation from January because, when you roll out something new, there’s a lot of preparation that has to take place by the schools, acquiring new things, equipment, and small things that they will need,” adding that plans were underway to ensure teachers were well-equipped for the new curriculum. He also spoke on the benefits of the curriculum, noting that it would rekindle the desire of parents and students to acquire formal education. Hear him, “Some parents do not want to send their children to school. Right now, part of the problem why schooling has become unattractive is because people finish and there’s no change in their lives. “They cannot be employed. They can’t do anything on their own. So, parents question the value of spending money to send their children to school. “Now it’s going to change that game altogether.
And we have seen how these things resonate with parents. When they are successfully implemented, you will see students will want to run to school every morning. Parents want to take their children to school because they are learning practical things while in school.”The Acting Executive Secretary of the Nigerian Educational Research and Development Council, Dr Margret Lawani, had also disclosed during the same event that the newly introduced subjects fell under the vocational and entrepreneurship studies framework, which has been designed to expose pupils to various trades across multiple sectors. In the views of some vocational training experts, the decision to include vocational education into the basic school curriculum is plausible as it comes at a time when the nation’s education system is facing mounting criticism for its inability to adequately prepare students for real-world challenges.
They opined that by introducing vocational training at an early age, Nigeria has an opportunity to bridge the gap between formal education and practical skill acquisition. They however noted that the success of this initiative hinges on thoughtful implementation and sustained support. “The problem of Nigeria has never been a dearth of ideas or policies on how to move the country forward. In the past some educationists came up with the idea of 6-3-3-4 system of education whereby Students would be taught introductory technology and other forms of vocational skills at the junior secondary school level to better equip them for the real world in future. What happened to that brilliant idea? How many schools have well-equipped laboratories and well-trained teachers to handle these technical and vocational subjects? “The idea of setting up technical schools and polytechnics across the country is for them to serve as a grooming ground for young Nigerians in the area of technology.
How has the government, both federal and states, supported these schools to succeed? So, our problem is lack of implementation, fragmented policies and lack of sustenance not lack of ideas”, posited one expert. He advised that for the new curriculum to bear positive fruits, the government must take time to sensitize heads and owners of schools, teachers, parents and pupils of both public and private schools on the importance of the subjects and assist the schools in acquiring the necessary equipment and tools for the smooth running of the curriculum. “These subjects being introduced cannot be taught only theoretically as we are used to in this country. They require regular practical classes which will cost some money. Government, via the ministries of education, must vote out money for these practical classes and be ready to supervise schools to ensure that they are doing the right thing,” he added
Noting the importance of vocational training in today’s Nigeria where the rate of unemployment is high, Mr. Abel Ikiriko, a basic technology teacher in a Private School at Trans Amadi, Port Harcourt, regretted that vocational training is often seen as a last resort for those who fail academically, leading to low enrolment. He said, “I say this because I am a teacher and I know what we see in school every day. When these vocational subjects are introduced, you will see parents who will go to their children’s schools to make trouble because the children are compelled to learn maybe Hairstyling or something like that. Every parent wants their children to be doctors, lawyers, engineers and other professions and never skilled persons because for our society, skilled jobs are for the dullards.” “One of the most pressing issues in our labor market is the skills gap. Employers often struggle to find workers with the right skills, despite high unemployment rates. Yet many youths are not willing to be trained in a vocation. They prefer to search for the unavailable white-collar jobs. So unfortunate,” he continued.
Ikiriko said that the inclusion of vocational training in primary schools has benefits that extend beyond future job prospects. “Hands-on activities help children develop critical thinking, problem-solving, and creativity—skills that are essential in any field. Vocational subjects can also provide an alternative pathway for students who may not excel in traditional academic subjects, ensuring that no child is left behind in the education system. Moreover, these subjects can instill a sense of dignity in manual labor and shift societal perceptions about the value of skilled trades.”He advocated for public awareness campaigns so as to change perceptions about vocational education, and showcase its potential to lead to successful careers. Mrs. Meg Amadi, a mother of three pupils is concerned about the curriculum of the primary schools being overloaded, stressing that that is a potential risk.
According to her, primary school students are at a formative stage of their development, and overloading them with too many subjects could lead to cognitive fatigue. She maintained that careful planning is required to ensure that the new vocational subjects complement rather than compete with core academic learning; that they are seamlessly integrated into the broader curriculum without overwhelming students. To maximize the impact of this initiative, she offered the following suggestions: the government must invest in training and retraining teachers to deliver vocational subjects effectively, collaborating with vocational training institutes and NGOs for better result; government should begin with pilot programs in select schools to identify best practices and address challenges before scaling up nationwide; the private sector should be engaged to provide funding, equipment, and expertise for vocational training in schools.
Nonetheless, some analysts are of the view that the addition of 15 vocational subjects to the basic school curriculum is a visionary step toward transforming the nation’s education system and improving the nation’s economy. they hold that if implemented effectively, the initiative will equip young Nigerians with the skills needed to thrive in a rapidly changing world while fostering a culture of innovation and self-reliance. They said that with collaborative effort, strategic planning, and unwavering commitment from all stakeholders and the right execution, this bold move could serve as a model for other nations seeking to align education with the demands of the 21st century.
Calista Ezeaku
Features
A Farewell To Arms In Ogoni
For three decades or more, there has been a cessation of oil production activities in Ogoni land. But recent meeting of President Bola Tinubu with notable sons and groups may return Ogoni to renewed oil-production once again. Ogonis are weary of perennial neglect. Days after the meeting, President Tinubu gave a nod to the establishment of a University of Environmental Technology in Tai in the Ogoni area. He had earlier-on approved appointments into some federal boards in which some notable Ogonis were among the beneficiaries. The President’s actions and speeches so far have indicated good faith and good intentions. This has urged hard-nosed and irrepressible resistant leaders like Attorney Ledum Mitee, one-time President of the Movement for the Survival of Ogoni People (MOSOP), to be in complete agreement with the return to oil production.
He was heard on the news calling on all well- meaning sons and daughters of Ogoniland to accept the offers coming their way. Many Ogonis however, are still doubtful about the President’s intentions. They have said it is all geared towards the Federal Government having access to the rich oil and gas deposits in Ogoni soil. There is also distrust by some who have yet to heal from past injustices inflicted on the land by previous governments in cahoots with the oil majors. Since 1993 when oil production stopped in Ogoni land following intensive protests from the Ogoni people, the Nigerian government and the oil majors stopped reaping from millions of dollars in proceeds from the oil and gas. Lawson Hayford, a veteran journalist, who has reported the Niger Delta for over four decades, particularly the Niger Delta and the Ogoni crisis, said Nigeria has lost revenue amounting to over N30 trillion for the 32 years that oil has not been mined in Ogoni land.
Writing in the Southern Examiner, Hayford said, “While oil exploration and production in the Niger Delta region began in the late 1950s, operations were suspended in Ogoniland in the early 1990s due to disruptions from local public unrests with oil fields and installations remaining largely dormant for about 34 years, leading to a loss of revenue of over N30 trillion. “There are a total of 96 oil wells connected to five flow stations across the four local government areas of Khana, Gokana, Tai, and Eleme in Ogoniland. They were being operated by the Shell Petroleum Development Company, SPDC of Nigeria, a subsidiary of the Royal Dutch Shell.” That story is presently being rewritten by the remediation efforts of the Hydrocarbon Pollution Remediation Project (HYPREP) and the work of Prof Nenibarini Zabbey, its Project Coordinator.
“Over 50 communities are now enjoying potable water.” As though this was not magic enough, contractors are working hard toward mangrove regeneration not to leave out empowerment programmes for women and people with disabilities. These are stories too good to be true. In addition, the Petroleum Industry Act has also been introduced to take care of some basic needs of the oil communities, especially by tying development of the communities to the operational budgets of the oil companies. The establishment of a host community development trust as a condition for oil mining license holders regarding community development, may well be the magic wand required to turn things around for the Ogonis. A trying present is most likely to give way to a prosperous future. The future of the land and peoples of oil-bearing communities appear brighter with possibilities within this framework.
Environmentalist and lawyer, Iniro Wills, however, strongly thinks that the community-friendly clause in the PIA is only a tiny drop that cannot quench the thirst of the people’s appetite. Only time will tell. A lot of work needs to be done to bring every party in the Ogoni scenario to the table. Some groups are yet to agree with the return of oil production in Ogoniland, while others do not quite agree with the modus operandi adopted to initiate the process. They would all need to be brought together to ventilate their positions so that everyone is taken along together. Last Saturday, the committee that emerged to kickstart a process of the consultations initiated by President Tinubu convened a meeting at Freed Centre, Bori in the heart of Ogoniland. Though it was well attended, proceedings had to be hurried as a group of protesters stormed the venue.
Blessing Wikina, a long time public communications expert from Ogoni however, noted that the Bori meeting was a good landing. He said he was there. He dismissed the slanted reports about the meeting which he said were done to create social media content. He said in his social media handle that the committee deliberately avoided founding the consultations along old ‘loyalty blocs’ and ‘groups of people with entitlement blood.’ “Every Ogoni was to attend as an individual, not as a member of a camp. This approach meant no one would claim success or failure.”
Several factions exist in Ogoniland, including the leading pressure group, MOSOP, and they all need to get involved in the consultations, including those sulking for not being invited to the Abuja parley with the President.
Factional MOSO President, Fegalo Nsuke, recalled how MOSOP championed the Ogoni struggle from the beginning and wondered why MOSOP was not invited to Abuja or the Bori meeting. Hayford said, “sidelining MOSOP in the move to re-enter Ogoniland for oil and gas production could create distrust in the hearts of the Ogoni people, cautioning against rushing the process in order not to generate tension, anxiety and crisis in the landscape of Ogoni area.” Certain that the current process led by President Tinubu would yield good fruit for the Ogoni, Wikina says, he silently prays that “this oil resumption comes sooner, so that our people will participate in productive ventures around our oil economy…..and get benefits like our brothers in Orashi area, Bonny axis, etc.”
He cast a glance at the Bodo-Bonny road that will link mainland Nigeria with the vital island port of Bonny that is passing through Ogoniland. “Shall we wait, watch, as vehicles drive through here, to where lucrative oil businesses are happening…without our involvement? Every party will have to sheathe their sword and embrace the ongoing consultation process that will lead to a prosperous future for the land and the people.
Dagogo Josiah, Olayinka Coker and Emmanuel Obe
Josiah, Coker and Obe wrote in from Port Harcourt.
Features
Contributory Pension Scheme: Time For Review
For decades, Nigeria grappled with a pension crisis that left countless retirees in financial insecurity and despair. The unfunded pension system led to delayed payments and inadequate retirement funds, especially for public sector employees. In response, the federal government, under the leadership of former President Olusegun Obasanjo, enacted the Pension Reform Act of 2004, introducing a contributory pension scheme (CPS) designed to overhaul the system and secure a dignified retirement for Nigerian workers.
According to the Pension Reform Act, 2004, Contributory Pension Scheme (CPS) is an arrangement where both the employer and the employee contribute portions of an employee’s monthly emolument towards the payment of the employee’s pension at retirement. The CPS covers employees in the public service of the Federation, Federal Capital Territory, States, Local Governments and private sector organisations with three or more employees.
Only Judicial Officers, members of the Armed Forces, the Intelligence and Secret Services of the Federation; retirees under any pension scheme existing before 30 June 2004; and employees who had three or less years to retire as at June 30, 2004 were exempted from the scheme.
The objectives of the CPS according to Section 2 of the Pension Reform Act, 2004, are to ensure that every retiree of the Nigerian Public Service receives his/her retirement entitlements as and when due; assist an improvident person to save against old age; and ensure a uniform set of rules and regulations on issues relating to the administration and payment of pension to retirees.
According to Section 85 of the Pension Reform Act, 2014, which effectively repealed the 2004 Act, “All contributions made under this Act shall be invested by the Pension Fund Administrators with objectives of safety and maintenance of fair returns on amount invested”.
Analysts and some retirees have questioned the usefulness of this section of the Act when the retirees are kept in the dark about the investments made with their contributions and hardly reap the dividend of the investment. A group of retirees known as Contributory Pensions Retirees Forum, recently described the CPS as a “modern day slavery; an instrument of economic annihilation of workers to death in abject poverty after retirement.”
According to them, the CPS denies retirees of a lump sum of their money after retirement and dispenses a paltry monthly pension to retirees across the board. They narrated the case of a retiree who served the Federal Government from July 15, 1981 and retired on July 15, 2016 on salary grade Level 14, having worked for a mandatory period of 35 years and attained the maximum age of 60 years.
For all the years he put in, the total balance standing to his credit was N6,745,823.34. Out of this, he was paid 25 per cent which amounted to N1,686,455.84 while the balance of 75 per cent was retained by Pension Fund Administrator (PFA) for investment in the capital market and other large institutions. The retiree has been receiving a paltry sum of N26,703.15 monthly since 2016 till date despite the huge profits declared every year from the investment.
“Unfortunately, the sad part of this is that every day prices of goods and services are on the increase. While workers and retirees under the old scheme – Defined Benefit Scheme had their salaries and pension increased across all levels, we in the CPS are abandoned to our fate. We do not get increase”, lamented a retiree.
A public affairs analyst, Bonny Harrison, described such treatment of the retirees, who spend their active years serving the country as unfair and inconsiderate, noting that such attitude will discourage the people still in service from putting in their best. “They may be lured into bribery and corruption, knowing that the country will not cater for them when they retire”, he opined.
Section 7, Sub Section 1, Paragraph (a) of the Pension Reform Act, 2014 provides that unlike the former Defined Benefit Scheme, the CPS is to be jointly funded by both the employer and the employee. Each worker has an individual Retirement Savings Account (RSA) with a Pension Fund Administrator (PFA).
It also made provision for state governments to migrate to the CPS and stipulates that employees contribute eight per cent of their monthly earnings, and employers add 10 per cent, totalling 18 per cent of the employee’s monthly income. The funds are managed under the oversight of the National Pension Commission (PenCom), with the aim of ensuring transparency and accountability.
Two decades down the road, getting the state governments to key into the scheme has been a Herculean task. Reports show that only about five out of the 36 states in the country have fully complied with the CPS Act. Some have not even enacted their CPS laws while some enacted the law without contributing anything to their workers’ RSA. PenCom and Pension fund operators have reportedly made frantic efforts to have them key into the scheme since 2014 but that yielded little or no results.
A recently retired civil servant in Rivers State narrated that the past governments in the states did not key in fully into the scheme. While the eight per cent of the employees’ salary was deducted, the government failed to contribute its own 10 per cent, thereby making retirees from the state ineligible to benefit from the CPS scheme.
The retiree was however glad that the total amount he contributed over the years was paid to him without any deduction and that the State government has put keying into the CPS on hold. He advised that the state government should not be part of the CPS as it is confusing and not favourable to government workers. “Contributory Pensions Scheme cannot work in our states where the governors run the states like their personal businesses. A governor today may decide to contribute and another governor tomorrow may choose not to. What happens to the retirees in such a situation? He queried.
Low compliance in the informal sector has also been noted as one of the challenges of the scheme. The informal sector, which represents over 80 per cent of Nigeria’s workforce, often lacks the structure or financial stability to commit to monthly contributions. Many informal workers are unaware of the benefits of joining the scheme, highlighting a gap in outreach and education.
Analysts have also observed that fluctuations, especially inflation, often erode the value of retirement savings. Although PFAs invest in various assets, ensuring inflation-adjusted returns remains challenging, impacting retirees’ purchasing power, they said.
They therefore, canvassed for a halt of the CPS or reforms and initiatives to make it effective and worth the while. These include:
Expansion of CPS outreach programmes and incentives, such as flexible contribution options to increase informal sector enrollment; improved awareness and education which will drive greater participation among self-employed and informal workers; increasing transparency in fund management and imposing stricter penalties for misconduct so as to improve public confidence; introducing innovative investment options like green bonds and infrastructure development projects to help pension funds achieve better returns.
Others are: a more aggressive investment strategy that offers inflation-protected returns, benefiting retirees in the long term by PenCom in order to mitigate inflation’s effects, and PenCom offering financial education to pensioners so as to help them manage their funds effectively. PenCom should offer financial planning resources, ensuring that retirees fully understand the structure and benefits of the CPS.
Analysts have also argued that for CPS to succeed and live up to its objective of being a cornerstone of economic stability and prosperity, embodying the hope of dignified and secured retirement for all, PenCom must wake up to her duty of ensuring that the retirees are not short-changed by the pension administrators and that non-complaint employers (that fail to make deductions) as stipulated in PRA 2014 are duly punished.
Calista Ezeaku
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