General News
What If the Problem Isn’t Just the Government
By Blaise Udunze
Recent reports in the media space highlighting threats of “naked protests” by market women across several states if the federal government fails to address the issue of hardship underscore the depth of hunger and poverty gripping the nation. No doubt, there is hardship in the country, of which Nigeria’s poverty crisis is often framed as the government’s failure, poor policies, weak institutions, corruption, and economic mismanagement.
From a balanced viewpoint, while these factors are undeniable, they do not tell the full story in its totality. The reality is that the majority of Nigerians, being the larger populace experiencing this challenge, will definitely oppose the ideology that poverty in Nigeria is not merely a policy problem; it is also a societal one. The underlying truth is that this is shaped by citizens’ behaviours, choices, cultural norms, and civic attitudes. This will remain a lived experience of the people until this dimension is confronted honestly; reforms will continue to yield limited results.
Nigeria’s economy has witnessed growth as inflation has decelerated, with headline inflation easing to 15.15percent and food inflation retreating to 10.84 percent, the exchange rate was stabilizing, and foreign reserves ($46.7 billion) had climbed to a seven-year peak, and despite the growth figures and ambitious government targets, millions of Nigerians remain trapped in poverty. More alarming is the recent estimates suggesting that an additional two million people could fall below the poverty line this year alone.
The intrigue is that the geographic distribution of these figures tells a deeper story, and this is more revealing than the numbers; however, there is an uneven geographical spread. Of concern here, which is troubling, is why states such as Yobe, Jigawa, Katsina, Kano, and Zamfara tend to experience or be deep in poverty when compared to other states like Lagos, Port Harcourt, Aba, Enugu, and Onitsha, which are projected to experience less poverty. This disparity raises a critical question, which calls for an urgent answer to why poverty outcomes differ so starkly within the same country, because no doubt, much of the explanation lies beyond government failures.
While governance challenges exist nationwide, the explanation extends beyond Abuja. Perhaps this is from deliberate ignorance of the people; the reality is that it lies in education, cultural practices, social norms, and individual responsibility play decisive roles in shaping economic outcomes.
One key alarming fact that has deeply entrenched poverty in many northern states, unlike other regions, is limited access to education, especially for girls, early marriage, polygamy, and large family sizes. There have been several factors that reinforce cycles of poverty by stretching limited household resources, reducing educational attainment, and limiting economic mobility, and this will continue to be a long-standing challenge or lived experience for the people if not addressed.
It is clearer that practical comparison illustrates this reality. Taking into consideration that a low-income worker in Yobe who marries four wives and raises over twenty children will inevitably struggle to provide adequate education, healthcare, and opportunities for his family, while in contrast, a similar worker in Aba is more likely to marry later, have fewer children, and invest in their education. Without much ado, over time, the children in the latter household acquire skills, productivity, and economic relevance because their parents chose to prioritise education for them, while the former remain trapped in subsistence and dependency. These differences are not subjective; they are structural and measurable.
Religion and culture further complicate the picture as record has it that Nigeria is one of the most religious countries in the world, yet religiosity often serves personal aspirations, prosperity, miracles, or divine favour rather than reinforcing civic responsibility and social ethics. Today in Nigeria, political leaders frequently reinforce this distortion and moral narrative. Only recently, it was announced that public officials in Abuja celebrate marrying off multiple children at once, some governors borrow billions to spend public funds on religious pilgrimages, while underfunding education, healthcare, and infrastructure, they send a clear message about priorities. In contrast, states that invest deliberately in education, such as Enugu with its smart school initiatives, demonstrate how leadership choices influence societal outcomes.
Still, the crisis of responsibility is not confined to any region. It is national, as proved during the discussions at Lagos State’s 12th Summit of the Association of Retired Heads of Service and Permanent Secretaries (ALARHOSPS), it was emphasized that societal progress depends not only on leadership but on citizenship behaviour. According to Professor Wusu Onipede, citizenship is defined by commitment to collective welfare, not mere residence.
The truth is not far-fetched, going by the saying that actions, positive or negative, directly impact society. What would have informed the common actions, such as stealing public assets, vandalizing infrastructure, ignoring traffic laws, or tolerating corruption, all accumulate into widespread societal harm as seen in our everyday lives. Conversely, volunteering, mentorship, and community engagement generate resilience, opportunity, and shared prosperity. With close reading, one will notice that this dynamic was captured succinctly in Professor Oluwatomi Alade’s “Triangle for Change,” which pointed to the home, the school, and the community. Parents must brace up to understand that the primary responsibility is upon them to start prioritising education, teachers who impart both knowledge and character, and communities that uphold civic values create the foundation for sustainable development because the truth is that the change does not only rest on the government. In the same manner, it will be said that neglect in any of these spheres, whether through early marriage, disregard for schooling, or normalization of polygamy, undermines national progress.
Religious institutions, as Professor Oguntola-Laguda argues, must also evolve, which means that beyond spiritual teachings, they should emphasize practical social ethics in the areas of responsibility, productivity, gender inclusion, and civic duty. In regions where harmful norms persist, faith leaders, traditional authorities, and elders possess the influence necessary to drive change, if they choose not to use it, otherwise the society will remain impoverished.
Globally, the link between social norms and poverty is well established, and norms that condone child marriage, gender exclusion, or unchecked family sizes perpetuate intergenerational deprivation. Over the period, in other countries, it is clear that economic interventions alone cannot dismantle these patterns because countries like India show that combining education incentives, political inclusion, and social protection can reduce poverty among marginalized groups. Initiatives such as Uganda’s SASA, which is a program that demonstrates that shifting attitudes toward gender and empowerment lead to improved economic outcomes. Nigeria’s poverty strategy must similarly integrate social transformation with economic reform.
None of this absolves government responsibility. Poorly sequenced reforms, rising taxes, insecurity, weak infrastructure, and inadequate social protection continue to deepen hardship. Senator David Mark of the African Democratic Congress has criticized what he terms “vicious policies” that worsen citizens’ vulnerability. Nigerians are acutely aware of these failures. What they demand is not statistics or political rhetoric, but practical policies that reduce hardship, enable productivity, and promote inclusion.
Even at this, Nigerians must take into cognisance that government action alone is insufficient. Poverty cannot be eradicated where large families are unsustainable, education is undervalued, and corruption is tolerated at the household and community levels. Individual responsibility remains the missing link. Citizens must be discreet in their timing for marriage until they can provide adequately, manage family sizes responsibly, educate all children, especially girls and reject the glorification of excess and impunity.
Insecurity further illustrates this shared responsibility. Though one will argue that the state bears the constitutional duty to protect lives and property, law and order. What about the dwellers? Communities must actively support security efforts through vigilance, information sharing, and conflict resolution. Silence in the face of crime and corruption enables disorder because independence loses meaning when citizens disengage from safeguarding their own communities.
Another critical aspect that is akin to insecurity is that economic development also falters when citizens undermine progress through dishonesty, rent-seeking, and apathy. What people fail to understand is that entrepreneurship, accountability, and cooperation are as vital as government-led job creation. The same thing can be said of cooperatives, vocational training, and local enterprise, which can deliver immediate relief and long-term sustainability. Wealthier Nigerians must focus on genuine social investment, creating opportunities, supporting education, and building institutions that outlast personal interest or individual generosity, rather than charity or wasteful spending or fueling crimes. Social responsibility must become a social norm.
One laughable misconception people harbour about independence, which must be clarified, is that it is not simply freedom from colonial rule; it is the presence of civic responsibility. It must be understood that poverty persists not only because of policy gaps but because of harmful norms, cultural practices, and neglected duties. Anyone can argue this, but the truth is that there will always be a replay of this menace kicked against because every child denied education, every early marriage, every act of corruption reinforces the cycle.
Breaking this repeating problem, known as poverty, takes several coordinated strategies working together, not just one solution. There must be an understanding that the issues are complex and interconnected; they must be addressed from different angles at the same time. For these reasons, the government must provide stable policies, infrastructure, and social protection and the citizens, in like manner, must reform behaviours that perpetuate poverty. The same must be said of the families that must prioritize education, and also the communities must reward civic engagement and innovation. Religious and cultural leaders must promote responsibility alongside faith because these are critical platforms that have the attention of the greater number of people. The policymakers at this juncture must ensure that policies not only deliver relief but also incentivize behaviours that support sustainable development.
Without too much argument, it is glaring that Nigeria’s potential is evident in states and communities that have embraced education, civic virtue, and social reform. Judging by the developments in different states, one will conclude that Lagos demonstrates how engagement and accountability improve outcomes, while Enugu shows that investing in children yields long-term dividends. Conversely, regions where harmful norms persist remain trapped, regardless of federal spending.
Without much ado, all Nigerian stakeholders must come to the terms that Nigeria’s poverty challenge cannot be reduced to government failure alone. It is a collective problem rooted in culture, norms, and personal choices because sustainable development demands both accountable leadership and responsible citizenship. The fact remains that poverty will remain an enduring shadow, irrespective of the repeated threats of “naked protests,” but until Nigerians fully embrace their role as architects, not just beneficiaries of national progress. True independence begins when citizens accept that the future of the nation rests as much in their daily choices as in public policy.
Blaise, a journalist and PR professional, writes from Lagos and can be reached via: [email protected]
General News
Leo Stan Ekeh Foundation, Zinox Group To Invest 10B on 1000 University Tech Scholarships for Indigent Nigeria Wiz-kids
By Eunice Omokaro
Africa’s foremost tech icon and Chairman of Zinox Group, Leo Stan Ekeh, who turns 70 on February 22, this year, has explained why he is not celebrating his 70th birthday with a mega party, preferring to offer University scholarships to additional 1000 Nigerian indigent wiz-kids to study Computer Science in Federal Universities so that the country’s private and public sectors could have a new generation of tech wiz-kids to support the growth of the economy.
Leo Stan Ekeh
He anticipates that these students who will not be bonded, shall disrupt global wealth equation in favour of Nigeria and defend our tech independence. Selection shall be based on a minimum Intelligent Quotient and age nationwide, and they shall be schooled and exposed beyond tech to become global Tech Citizens.
Speaking on phone, Ekeh said “Each shall have a tech mentor from year one, as I plan a partnership with Computer Society of Nigeria and every vocation they shall be engaged resourcefully. Beneficiaries shall be from poor homes and those with parents who earn below Government Level 10 and its equivalent in the private sector. The first batch starts this September, and I expect each to earn first class degree. This is my Group of companies’ and my little way of appreciating my country, individuals and corporates that gave us the opportunities in the last 40 years and still patronizing our Tech Group – Task Systems, TD Africa, Zinox Technologies, Konga etc. If we are successful with this spiritual mandate, I can then celebrate my 100 years on earth with a bang. With God and AI, I am aiming to make 120 years,” he said.
Ekeh, a largely humble and private person not known for celebrating birthday milestones, explained that rather than throwing a lavish birthday party befitting his newly attained septuagenarian age, he has chosen with his Group’s Management to provide world-class tech human capital to support growth of the nation’s economy.
“We need quality and tech-savvy wiz-kids who can drive the future of government and e-governance and those who will become change-makers in the private sector.
“I have been blessed and bruised in this country and I thank God. Frankly, I don’t see enough Nigerian tech wiz-kids who can defend the massive development anticipated in the next 5 – 10 years in the oil and gas, banking, agriculture, manufacturing, mining, entertainment, etcetera, and public sectors. We are becoming slaves in our own country in a knowledge century which is unfortunate. We are all arrogantly living just for today, forgetting that only four God-anointed tech wiz-kids can alter the GDP of this country in five years. The man who controls your tech resources decides your profit level and how far your country and corporations can grow in this second quarter of the 21st Century and in future,” he said.
Ekeh, who was once decorated by President Olusegun Obasanjo as ‘Icon of Hope’ on Nigerian Independence Day in 2003, for his tech-driven transformative impact on Nigerian economy and the youths, said Nigeria must begin to plan for the disruptions coming.
“The future is here but very fragile and disruptive, it’s either you are something or nothing at all. No middle ground. We need to alter the digital trajectories of our people. Technology is realistically the only profession in the world today that can alter the destiny of brilliant and humble kids from poor families and position them as huge wealth creators and sustainers. Though I am not really from a very poor family, but I am a testimony and shall tell the whole story in my book that shall be published last quarter of 2027. It shall be most revealing.
“This is my additional contribution amongst others to appreciate Nigerians, the Federal Government, sub- nationals and corporations that have been supporting my tech commitments and innovations on this side of the Atlantic,“ the soon-to-be septuagenarian said.
When asked how much it will cost to undertake such gigantic project, he said: “It is a spirit-driven project to thank those who supported and are still supporting companies within the Zinox Group. It has an annual cost that shall run into billions of Naira and my group is committed to it amongst other social responsibility projects like TD Africa Project to produce 10,000 female tech experts out of which 400 have graduated and are fully employed in different corporates in Nigeria. This is a 10-year project with other perks. The full package shall be revealed online on April 22, 2026,” he said.
However, beyond his birthday and the scholarship initiative, Ekeh in the last 40 years has been a worthy role model for philanthropy and a living exemplar of what it means to live for public good. He has been decorated with a lot of local and international awards. His group has trained and retrained over 3000 Nigerians and donated tech centres to over 25 institutions nationwide just to mention a few.
Ekeh was a former mass servant and chorister in his local community Catholic Church at Ubomiri, a sprawling community on the fringes of Owerri, Imo State.
One of his favourite pastimes is to seek out the poor and help them come up the ladder of life. He is an entrepreneur who draws a distinct line between capitalism and welfarism? He believes that capitalism must wear a human face; that profit must not take the place of empathy as no one came with and shall leave this earth with cash.
His philanthropy is not limited by geography. From south to the north, his imprints of charity dot many educational institutions. A couple of years ago, he built a church complete with rectory in his Ubomiri community, the same church where he was once a mass servant.
At the dedication of the church, he recalled in an emotion-laden voice: “My grandfather produced a Reverend Father who was ordained same day with Rev Canon Tansi. My father as a past time was a soloist in this church, and he served God with all his might; I was a mass servant and a member of this choir (pointing to the horde of choristers robed in red outfit). I have never tasted alcohol or smoked since I was born and I don’t know why. It was something that never appealed to me or fascinated me. I believe our good God decided to save me from birth.
“I come from a lineage of people who served God dedicatedly. I think I am a miracle child and was clear who I wanted to be from the day I launched out as a tech entrepreneur. I saw myself as an only Child even though I have siblings and, as an orphan even though my parents were alive and a bit civilized because no person around me even though educated, had tech knowledge to advise me, so I decided to take the pain before pleasure alone.
“I love God and will never hesitate to do anything in the service of God and humanity. I built this church as a mark of God’s special love and mercy towards me. I have the best wife any man would wish to have. She is a super star. She is intelligent, beautiful and unlike some women, she is not expensive and more importantly, we operate on the same tech wavelength. If for any reason I get stuck, she is the one to figure out the solution for me. God blessed me with brilliant and responsible children too. I am grateful to God because He has seen me through the valleys and mountains of life. As a mark of God’s mercy to me, I pay corporate tithes for all my companies. I didn’t read it in the Bible but I do it”, he told the audience.
“God is the architect of my success. As an entrepreneur, I have strategised, stayed up late, made projections but if there was no mercy of God and His grace to help me implement these, there will be no success. God has done me well; even for me to be alive, to come from the family I come from, the village, town, region and country I come from. Most importantly, God has managed me because He gave me a proactive personality, removing all the holes in my life. The temptations are there, you can imagine them. Maybe if I was taking alcohol, I would have been a mental guy. I work an average of 20 hours a day and near zero holidays and I have no health challenges,” he once told some journalists.
For Ekeh, the Forbes Best of Africa Leading Tech Icon, the scholarship for 1,000 Nigerian students remains a tiny drop in the ocean of multitude of philanthropies he has extended to persons and institutions across the continent quietly. Through his Leo Stan Ekeh Foundation (LSEF), his family’s non-profit, and the various companies under the Zinox Group, he has impacted humanity and institutions both in cash and kind, especially human-capital development, upskilling the hitherto unskilled in tech-techniques, institutionalising entrepreneurship in select universities and awarded countless local and overseas scholarships to Nigerians of all tribes and tongues to advance their quest for knowledge.
In the last two years alone, the Foundation launched three entrepreneurship centres at St. Augustine University in Epe, Lagos, Federal University, Birnin Kebbi, Kebbi State, Imo State University (IMSU) etc. The centres had been upskilling young men and women turning them to wealth and job creators, rather than job-seekers. At the IMSU centre, it was a moment of joy for about 200 young Nigerians who were the first set of beneficiaries of a 3-month entrepreneurship boost programme.
They were taught the fundamentals of entrepreneurship by the best coaches and experts drawn from Nigeria, United States and United Kingdom. Not only were they tutored by the best whizzes in diverse fields of human endeavour, they were also kept on a stipend throughout the duration of the programme to augment their weekly commute to the centre. In addition, each trainee was gifted a brand-new Z-pad tablet to aid their learning and upskilling process. Some also received interest free loans to launch their businesses.
What’s unique about Ekeh and his philanthropy is that he does them behind the scene. No cameras flashing. No media buzz. Just humane acts of a man fated for greatness and encased in God’s grace.
General News
UBA Unveils Diaspora Platform to Connect Global Africans with Investment, Wealth Opportunities
United Bank for Africa (UBA) Plc, Africa’s Global Bank, has unveiled a diaspora banking and investment platform designed to serve Africans living and working across the world and within the continent.
L-R: Head, Strategy, Research & Investor Relations, Africa Prudential, Joshua Omewah; Group Head, Sales, Retention and Growth, AVON, Ajibola Bakare; Managing Director, UBA Pension, Blessing Ogwu and Head, Diaspora Banking, Anant Rao, during UBA’s Panel session, themed: ’Beyond Banking: Powering the Diaspora Lifestyle,’ held at UBA House Marina, in Lagos on Thursday.
The platform, launched in collaboration with leading ecosystem partners including United Capital, Africa Prudential, UBA Pensions, Afriland Properties, Heirs Insurance Group, and Avon Healthcare Limited — represents a major step in redefining diaspora banking beyond remittances toward structured wealth creation and long-term investment.
At the unveiling, which took place at UBA’s global headquarters in Lagos under the theme: “Beyond Banking: Powering the Global African Lifestyle, all the company representatives were on hand to showcase a seamless platform that goes beyond remittances, wealth creation, protection, and long-term prosperity.
Speaking at the event, UBA’s Head of Diaspora Banking, Anant Rao, described the initiative as a strategic shift in how Africa engages its global citizens.
“For decades, Africa’s engagement with its diaspora has focused largely on remittances. Today, we are moving beyond that. This platform represents a transition from simple money transfers to a financial ecosystem where Africans globally can bank, make payments, invest, protect their families, and build long-term wealth seamlessly,” he said.
Rao noted that African diaspora remittance flows exceed $100 billion annually, making them one of the most resilient and consistent sources of capital into the continent.
“Diaspora capital is not just a flow of funds — it is a strategic growth partner for Africa.
Our role is to provide a trusted platform that converts capital into structured investment and shared prosperity across the continent.”
The objective is to provide a platform that brings together offerings across the numerous needs of the Global African, including Banking and payments, Investments, securities services, asset management, Insurance, Pensions, real estate and Pensions.
Through this coordinated ecosystem, diaspora customers can access financial solutions across multiple sectors through a single trusted platform, enabling them to manage their financial lives and family commitments across borders with ease and transparency.
UBA’s Group Head, Marketing and Corporate Communications, Alero Ladipo, emphasised the importance of collaboration in delivering a seamless diaspora experience.
“The modern African is a global citizen — mobile, ambitious, and deeply connected to home. Whether living in Africa, Europe, the Americas, or the Middle East, there must be a structured and secure financial connection back home. This platform ensures that Africans everywhere can remain economically connected to the continent with confidence and transparency.”
Partners within the ecosystem highlighted growing demand among diaspora Africans for structured investment opportunities, secure property ownership, insurance protection, and long-term financial planning.
United Capital showcased globally accessible investment products designed to deliver professionally managed and transparent wealth creation opportunities.
Afriland Properties emphasised structured and well-governed real estate investment pathways for diaspora clients.
Heirs Insurance highlighted protection solutions for life, and assets, while Avon Healthcare Limited demonstrated healthcare access and insurance solutions for families across borders.
Africa Prudential and UBA Pension reinforced digital investment management and long-term pension savings solutions designed to support diaspora participation in African capital markets.
Together, the partners underscored a shared commitment to providing diaspora Africans with credible, transparent, and professionally managed financial pathways.
Rao also reiterated the guiding philosophy of Africapitalism, championed by UBA’s Founder and Chairman, Mr. Tony O. Elumelu, CFR.
He explained that Africapitalism is the belief that Africa’s private sector must play a leading role in the continent’s development by making long-term investments that generate both economic returns and social impact.
As Africa continues to position itself as one of the world’s most dynamic growth frontiers, UBA believes mobilising diaspora capital through trusted financial institutions will be central to shaping the continent’s next phase of development.
“Africa will increasingly be financed by Africans themselves, including Africans abroad,” Rao added.
“Our responsibility is to build the trusted financial infrastructure that makes this possible.”
“When Africa’s global citizens invest back into Africa, growth becomes inevitable,” he concluded.
Bank of Industry (BoI) and the MTN Foundation have signed a memorandum of understanding to establish a N1bn Matching Fund to expand access to finance and capacity building for women-led micro enterprises across the country.
The institutions said the fund, under the Y’ellopreneur 3.0 programme, would operate as a pilot to reach women running viable businesses who remain excluded from formal credit due to collateral and documentation requirements.
Speaking at the signing ceremony held recently in Lagos, Dr Olasupo Olusi, managing director and chief executive officer of BOI, said the initiative goes beyond the continuation of an existing collaboration and targets women at the base of the economic pyramid.
Olusi said the intervention focuses on women who operate viable businesses but remain excluded from structured finance.
He said, “Across Nigeria, women sustain a large share of micro-businesses in the markets and communities, while processing and providing services that support household income and local economic activity.”
Olusi added that despite their contributions, many women cannot access affordable capital because traditional lending models demand documentation, collateral, and financial histories that do not reflect how their businesses operate.
The BoI CEO noted that the partnership aims to bridge that financing gap through a model tailored to women entrepreneurs who need funding the most.
He said, “This partnership is designed to specifically bridge that gap. The programme is structured as a pilot to test, learn and refine the model that works for women entrepreneurs who need financing the most, while building a framework that can be sustainably expanded over time.”
Olusi explained that beyond credit provision, the programme embeds capacity building, business development support, and mentorship. He disclosed that the partners plan to train about 1,000 women entrepreneurs in record-keeping, growth management, and competitiveness.
He stressed that an expanding opportunity at the microenterprise level strengthens productivity, stabilises income, and contributes to broader economic resilience.
“BOI remains committed to working closely with MTN Foundation and all stakeholders to ensure the effective implementation of this programme,” he explained. “Our focus will be on transparency, on sustainability and measuring outcomes so the programme delivers real value and provides a model that can be replicated under other programmes.”
On her part, Odunayo Sanya, executive director of MTN Foundation, said the renewed partnership builds on earlier pilot phases that helped both institutions refine their approach and scale impact in women-led businesses.
Sanya said the new phase seeks to deliver faster and more measurable outcomes for women-owned enterprises. She explained that the foundation aims to build capacity for 30,000 female-led businesses by 2030, up from nearly 6,000 reached so far, while unlocking access to capital for 10,000 women-owned enterprises through the renewed partnership with BOI.
Sanya stated, “This partnership will deepen support for women entrepreneurs, improve business survival rates, and attract additional partners to scale funding for the segment.”
She added that the initiative would combine training, mentorship, and financing and serve as a blueprint for broader public–private cooperation in unlocking new pools of capital for enterprise development and inclusive growth in Nigeria.
Leo Stan Ekeh Foundation, Zinox Group To Invest 10B on 1000 University Tech Scholarships for Indigent Nigeria Wiz-kids
UBA Unveils Diaspora Platform to Connect Global Africans with Investment, Wealth Opportunities
BOI, MTN Foundation Unveil N1Bn Fund for Women Entrepreneurs
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