News
SERAP Asks World Bank to Suspend Loan Nigeria’s 36 States

Socio-Economic Rights and Accountability Project (SERAP) has urged the World Bank to suspend loans to Nigeria’s 36 states until previous ones are accounted for.

This is due to recurring allegations of mismanagement of public funds by state governors, including loans which may have been obtained from the World Bank,
This is contained in a letter addressed to Mr Ajay Banga, president of World Bank, and signed by Kolawole Oluwadare, deputy director, SERAP at the weekend.
According to the body, many of the country’s 36 states are allegedly mismanaging public funds which may include loans obtained from the Bank and its partners, and allocations from the Federal Government, which may also include loans obtained from the Bank.
SERAP: “The World Bank and its partners cannot continue to give loans and other funding to these states where there are credible allegations of mismanagement or diversion of public funds.”
“We are concerned that there is a significant risk of mismanagement or diversion of funds linked to the Bank’s investments in many of the country’s 36 states. It is neither appropriate nor responsible lending to give loans to these states only for the loans to be misspent.” SERAP said
The letter, read in part: “The World Bank’s lending and support for these states may create the impression of complicity in the allegations of mismanagement or diversion of public funds by the states which may include loans from the Bank and its partners, and federal allocations.
“We would consider the option of pursuing legal action should the World Bank fail or fail to implement the recommendations contained in this letter, and we may join the country’s 36 states in any such suit.
“According to Nigeria’s Debt Management Office, total public debt portfolio for the country’s 36 states and the Federal Capital Territory is N9.17 trillion. The Federal Government’s total public debt portfolio is N78.2 trillion.
“SERAP also urges you to demand expressed commitment from Nigeria’s 36 governors to address credible allegations of mismanagement or diversion of public funds in their states and provide guarantees that loans and funding from the Bank and its partners would not be used to fund the luxurious lifestyles of politicians.
“SERAP urges the Bank to send independent monitors to the 36 states to monitor the spending of the loans and other funding obtained from the Bank and its partners to remove the risks of mismanagement or diversion of public funds by these states.
“The World Bank currently has a portfolio of about $8.5 billion spread across the country. The Bank has also approved several loans and other funding facilities to the country’s 36 states including the recent $750 million credit line meant to the states carry out reforms to attract investment and create jobs.
“The accounts of Nigeria’s 36 states are generally not open to public scrutiny as many of them continue to refuse freedom of information requests seeking transparency and accountability in the spending of public funds.
“The World Bank and its partners need to make clear to Nigeria’s state governors that it would not tolerate any mismanagement or diversion of public funds by immediately suspending any pending loans and other funding to them until the allegations of mismanagement or diversion of public funds are investigated.
“The Bank has a legal responsibility to ensure that suspected perpetrators are brought to justice and that any mismanaged or diverted public funds are returned to the treasuries of the states.
“The World Bank has the legal obligations to observe and promote compliance with the Nigerian Constitution 1999 [as amended] and domestic laws including the Fiscal Responsibility Act of 2007.
“Nigeria’s total public debt stock, including external and domestic debts, increased to N46.25 trillion or $103.11 billion in the fourth quarter of 2022.
“Many states reportedly owe civil servants’ salaries and pensions. Several states are borrowing to pay salaries. Millions of Nigerians resident in these states continue to be denied access to basic public goods and services such as quality education and healthcare.
“Several state governors are also reportedly spending public funds which may include funding obtained from the Bank and its partners and allocations from the Federal Government to fund unnecessary travels, buy exotic and bulletproof cars and generally fund the lavish lifestyles of politicians.
“The country’s 36 states have reportedly spent N1.71tn on recurrent expenditures, including allowances, foreign trips, office stationery, and aircraft maintenance in the first nine months of 2023.
“In Abia State, the government reportedly spent N397,520,734.84 on ‘feeding and welfare’ and N223,389,889.84 on ‘refreshments and meals.’
“The Akwa Ibom State government has reportedly spent N92.54bn on allowances and social contributions, social benefits, travel and transport, utilities such as electricity chargers, Internet access charges, and on materials and supplies such as office stationery, drugs, laboratory and medical supplies, maintenance, training in the first two quarters alone.
“The government has also reportedly spent N10m on hosting/mobilisation of political associations and interest groups, and N841.83m on entertainment at meetings.
“The Adamawa State government has reportedly spent N40.90bn on non-salary expenditure as of the end of quarter three, 2023 including on furniture allowance, travel and training, domestic and foreign, office stationery and consumables, and refreshments and meals.
“The Anambra State government also reportedly spent N15.17bn frivolous items, as of the end of quarter two, 2023. While Bauchi State government reportedly spent N70.25bn on frivolous items, Bayelsa State government spent N58.26 on travel, welfare packages, burial logistics, meeting expenses, ‘praise night/thanksgiving expenses’, and ‘marriage ceremony support’.
“In Lagos State, N440,750,000 was reportedly awarded to the Office of the Chief of Staff for the “procurement of a brand new bullet-proof Lexus LX 600 for use in the pool of the Office of Chief of Staff.” Some N2bn was also reportedly budgeted to buy rechargeable fans, rechargeable lights and fridge in the Office of the Deputy Governor.
“The Benue State government reportedly spent N34.44bn on ‘special day celebrations’ ‘welfare packages’, ‘security votes’, and materials and supplies such as office stationery, and books.
“According to reports, Borno, Cross Rivers, Delta, Ebonyi states also respectively spent N32.63bn, N43.71bn, N152.15bn, N30.91bn, and N41.11bn on frivolous items and the public funds may have been mismanaged or diverted.
“Ekiti State reportedly spent N31.33bn on local and international travel and transport, miscellaneous such welfare packages, refreshments, honorarium and sitting allowances. According to reports, both Enugu and Gombe states respectively spent N33.36bn and N24.73bn on frivolous items and the public funds may have been mismanaged or diverted.
“Imo State government reportedly spent N58.21bn on refreshments and meals, welfare packages, and other allowances. Jigawa State reportedly spent N49.64bn on transport and travelling, materials and supplies including drugs, vaccines, medical supplies, and stationeries.
“According to reports, Kaduna, Kano, Katsina, Kebbi, Kwara and Kogi states also respectively spent N27.87bn, N17.79bn, N40.49bn, N24.51bn, N41.19bn, and N58.02bn on frivolous items and the public funds may have been mismanaged or diverted.
“Section 41 of the Fiscal Responsibility Act provides: ‘Government at all tiers shall only borrow for capital expenditure and human development.’
“Section 44 of the Fiscal Responsibility Act provides: ‘Any Government in the Federation or its agencies and corporations desirous of borrowing shall, specify the purpose for which the borrowing is intended and present a cost-benefit analysis, detailing the economic and social benefits of the purpose to which the intended borrowing is to be applied.’
“Under Section 45, ‘All banks and financial institutions shall request and obtain proof of compliance with the provisions of this Part before lending to any Government in the Federation. 2) Lending by banks and financial institutions in contravention of this Part shall be unlawful.’
“The World Bank and its partners have obligations under international anticorruption and human rights law, including a responsibility to promote transparency and accountability in the management of public funds, prevent mismanagement or diversion of public funds, and redress any abuse of public trust that they may have contributed to.
“As a UN specialized agency, the World Bank also has an obligation to promote transparency and accountability in the management of public resources and effective implementation of the UN Convention against Corruption to which Nigeria is a state party.
“The World Bank’s board of executive directors also has an obligation to ensure that the policies and decisions of the Bank are consistent with their own statutes and governments’ transparency and accountability obligations.”
News
Lagos Launches Tele-Vet, Nigeria’s First Veterinary Call Centre

The Lagos State Government, through the Ministry of Agriculture and Food Systems, has launched TELE-VET, Nigeria’s first Tele-Veterinary Call Centre, marking a groundbreaking milestone set to transform access to expert animal healthcare using mobile technology.

Speaking at the event held at the Lagos State Ministry of Agriculture and Food Systems, Animal Hospital, Oko-Oba, Agege, the state’s Commissioner for Agriculture and Food Systems, Ms. Abisola Olusanya, described TELE-VET as a transformative initiative that strengthens animal health systems, improves food safety, and accelerates agricultural innovation across the state and beyond.
She stated that technology continues to redefine global food systems, and Lagos, under the leadership of Governor Babajide Olusola Sanwo-Olu, remains committed to deploying digital solutions that enhance efficiency, empower farmers, and safeguard public health. The Commissioner explained that TELE-VET addresses long-standing challenges faced by farmers and pet owners, especially limited access to timely and professional veterinary care.
Ms. Olusanya highlighted that TELE-VET builds on the existing mobile platforms, M-Agric and M-Health, available on MTN and Glo networks, which provide daily expert tips, mentorship, and animal-care guidance. By dialing *20791#, users can subscribe for ₦100/day, ₦300/week, or ₦500/month, gaining instant access to a variety of services, while all active subscribers can access the Call Centre free of charge.
She added that the Call Centre will deliver emergency support, first-aid guidance, disease-prevention information, and livestock and pet care assistance, noting that the platform helps farmers reduce costs, save time, and access expert care without traveling long distances. She emphasized that TELE-VET will also enhance surveillance and early detection of zoonotic diseases, aligning with the One World, One Health framework that integrates human, animal, and environmental health.
The Commissioner further mentioned that TELE-VET sets the stage for future innovations, including livestock and pet health insurance, e-commerce for veterinary products, improved mobility for safe animal transport, and enhanced financing opportunities for farmers, positioning Lagos as a national leader in technology-driven agricultural transformation.
Earlier, the Permanent Secretary, Ministry of Agriculture and Food Systems, Mr. Emmanuel Audu, commended the initiative as a groundbreaking intervention that will significantly improve service delivery within the State’s veterinary ecosystem. He stressed that TELE-VET responds to the evolving needs of farmers and pet owners who require swift and professional support to enhance productivity and ensure animal well-being.
Mr. Audu noted that the Ministry has invested extensively in strengthening the infrastructure, technical systems, and human resources needed to operate a world-class veterinary call centre. He stated that the service is a strategic investment in Lagos State’s food security architecture, enabling efficient livestock health management and timely response to potential disease outbreaks.
The Permanent Secretary explained that the Call Centre will minimize animal losses, improve farm management practices, and provide timely advisory services to farmers, aligning with the Ministry’s mandate to promote sustainable agricultural practices across all 57 LGAs and LCDAs. He praised the collaboration among veterinary professionals, ICT partners, and technical teams that made the initiative possible.
Mr. Audu reaffirmed the Ministry’s commitment to continuously upgrading the TELE-VET platform to accommodate innovations that improve efficiency and expand service offerings. He encouraged residents to adopt the platform fully, noting that its success depends on widespread participation.
In his remarks, the Director of Veterinary Services, Dr. Rasheed Macaulay, stated that the launch of TELE-VET marks a new era in veterinary care delivery in Lagos State. He explained that the platform provides a practical solution to challenges such as limited manpower, delayed emergency response, and difficulties reaching farmers in remote areas by connecting residents directly to certified experts.
Dr. Macaulay added that TELE-VET will strengthen disease surveillance and reporting across the State, aiding early detection of animal diseases and preventing zoonotic infections. With real-time consultations, improved documentation, and faster escalation processes, the platform will support frontline veterinarians and promote safer, healthier food systems for all Lagos residents.
News
PAPSS Cowry to Benefit Manufacturers, SMEs

Manufacturers and small businesses are set to benefit from a new era of seamless cross-border payments, thanks to the launch of the Pan-African Payment and Settlement System- PAPSS Cowry, a game-changing payment platform.

This cutting-edge platform, backed by Afreximbank, the AU and AfCFTA, and recently launched in Lagos, promises to increase efficiency, reduce costs and boost trade across the continent as it connects 160 banks across 19 countries and positions Africa for a bigger share of its $329 cross-border market.
The platform delivers 120-second local currency settlement, removing USD bottlenecks, cutting FX friction and strengthening the African Continental Free Trade Area (AfCFTA) driven trade flows.
Mike Ogbalu, CEO of PAPSS, in his keynote address at the platform launch themed ‘Building an Interoperable and Sovereign Africa Payment Ecosystem for Trade and Economic Growth,’ explained that AfCFTA has provided a single market for the continent’s 1.9 billion people that needs a seamless cross-border payment platform to trade.
“We have created it as an ecosystem that will pack all of us together in a way that we are able to empower each other rather than compete,” he said.
“Create a centralised value that everybody can leverage without affecting the individual value proposition of all the entities that leverage this way,” he added.
He stated that the Pan-Africa payment rail has connected 19 countries and plans to expand to 40, adding that 160 leading commercial banks across the continent are connected to the platform.
“We are also now enabling fintech companies across the continent to be able to originate payments in one market and terminate them in another market,” he explained.
“PAPSS is that financial market infrastructure that allows for the processing of cross-border payments in local currencies and is able to do that in no more than 120 seconds,” he added.
He appreciated central banks across the continent for their support, saying that a governance infrastructure has been created to make sure the payment system continues to operate in the right way. He stressed that sovereign payments are critical for the continent’s survival.
Haytham EI Maayerigi, executive vice president – global trade bank, Afreximbank, stressed that African businesses still face real barriers, whose border payments remain slow, expensive, and impossible sometimes, with $5 billion lost yearly to third-currency routing.
He explained that the situation has made it difficult for small businesses to find trusted partners, affordable finance and adequate market information, noting that with AfCFTA advancing, it must be easy for firms to trade with each other.
He said Afrexim, which is a promoter of PAPSS, works daily to remove these obstacles. “Together with AfCTA and the African Union, we are building the institutional foundation of a truly integrated market, supporting a lot of the initiatives.”
“Through advisory, guarantees, certification and project preparation, we mobilise the capital that builds factories, logistic hubs, processing plants, energy systems, the backbone of African industrialisation.”
He stressed that capital alone will not deliver integration and that the African continental trade also needs a digital spine, a system that connects markets, trust, information, logistics, finance and payments.
Experts say Africa requires a better business environment to unleash its potential and drive intra-African trade. The experts noted that the PAPSS Cowry platform will help improve the ease of doing business across the continent.
Wamkele Mene, secretary general, AfCFTA Secretariat, described the platform as a key enabler of AfCFTA, giving its practical effect on the continent’s vision of a fully integrated African market.
“It operationalises financial sovereignty by enabling the seamless flow of funds needed to sustain the world’s largest free trade area, and by reducing the friction that has historically held back intra-Africa trade,” Mene said.
He noted that the continent has 42 currencies, which alone creates structural barriers, saying that when two African traders rely on a third-country currency to trade, the cost of doing business rises sharply.
“Our continent loses an estimated $5billion annually in currency conversion.” PAPSS addresses this bottleneck directly by enabling instant settlement in local currencies and reducing reliance on expensive corresponding banking corridors.”
News
Afrilearn Expands Drive to Make Quality Education Attainable for African Children

Africans are better educated today than they have been at any other time, with many African nations making strides towards ensuring access to quality education and lifelong learning for their citizens.

Afrilearn
UNESCO’s report on Transforming Learning and Skills Development notes that delivering education well is not only a fundamental human right, it is also a critical ingredient of building solid foundations for the future, empowering people not just to develop the skills they will need for the workplace, but also ensuring that they can unlock their potential as members of society.
UNICEF estimates that there are 450 million school-age children in Africa in 2025, and this population is predicted to swell to over 600 million by 2050. However, although 75 million more African children are enrolled in school today compared to 2015, the number of out-of-school children has increased by 13.2 million to over 100 million during the same period. For Africa to actively participate in the global digital economy, it’s a continent-wide imperative to unlock not just access to education, but access to the resources that will help children thrive in education.
Harnessing technology to provide educational resources
Millions of children across the continent are eager but struggling to learn or are dropping out due to the high cost of quality education, outdated materials, and overburdened teachers. Schools also struggle with reliable web access – the Global Education Monitoring Report found that Africa has the lowest school connectivity globally, with most schools lacking even basic electricity, making reliable internet rare. Mobile penetration in Africa is far higher, yet many learning platforms are built for the web.
In 2020, frustrated by their own experiences, and tired of witnessing how young Africans were held back by a lack of access to quality education, a group of entrepreneurs started Afrilearn International Limited. Their goal was simple, but ambitious: to democratise access to quality education across Africa using a mobile-first solution.
The company started with ClassNotes.ng, which quickly became the #1 education platform in Nigeria, empowering students with curriculum-based class notes. By July 2022, Afrilearn had reached 1 million learners across Nigeria and Africa, a major step in delivering quality education to undeserved communities.
Now, this AI-powered K-12 learning platform is on a mission to make world-class education freely available to all African children by making learning fun, using gamified experiences to engage school learners with their studies.
The Afrilearn App for Students provides a comprehensive library of study materials and homework help. Learners can master a subject using the class notes, video lessons, quiz materials and games on the app, earning coins, and winning rewards along the way, while parents can track their children’s progress through learning reports. Afrilearn also provides adaptive practice for local and international exams through Exambly.com, which provides free exam practice for entrance, admission and matriculation exams across Africa.
Supporting educators is part of the process
To support educators, Afrilearn has built and refined its new AI-powered School Management Software, which is a smart platform for learning, administration, and managing school fees, reports and results.
The company collaborates with Schoolinka, a leading African teacher-training organisation, to co-create and distribute professional development resources, onboard teachers onto Afrilearn, and support schools with continuous training. This has significantly improved teacher adoption and classroom impact across the schools Afrilearn serves.
A constant evolution
The School Management Software offering was developed as part of the first cohort of the Microsoft and NVIDIA African GenAI Accelerator Programme. The collaboration allowed Afrilearn to leverage Azure AI and cloud infrastructure to enhance automation, learning personalisation and school analytics on the platform.
The company created a rebuilt, AI-powered SMS programme during the Accelerator Programme, and plans to introduce upgrades including adaptive learning profiles, predictive analytics and automated fee management for schools, and offline-first learning flows. Teachers will soon benefit from enhanced AI tools for lesson preparation and assessments.
With Microsoft’s support, Afrilearn uses GitHub for its engineering workflow, enabling the company to release updates faster and with fewer errors. Visual Studio Code is the team’s preferred integrated development environment, as its integration with Axure extensions, debugging tools and GitHub repository reduce friction across engineering tasks. Collectively, these tools, alongside Azure, have improved delivery speed, strengthened reliability and enabled the team to build a more stable, scalable AI education platform. And for a distributed team working in multiple countries, Microsoft’s collaboration tools, Teams and Sharepoint, have proven invaluable for daily contact and communication.
Broadening access to education across Africa
To date, Afrilearn has reached more than 4 million learners and more than 800 schools across more than 10 countries. More than 80% of users report achieving improved learning outcomes within a week of consistent usage, while the AI-powered personalisation improves learners’ grades by up to 52 percent within eight weeks of consistent study. Schools implementing the Afrilearn management software have saved more than 10 administrative hours per week and have boosted their fee collection by 35 to 40 percent.
The Afrilearn team has big ambitions to scale into additional countries across Africa, deepening partnerships with UNICEF and the African Union to scale their impact. In addition to Nigeria, Afrilearn serves learners in Ghana, Liberia, Sierra Leone, Gambia and the wider diaspora.
“At Afrilearn, we’re the ecosystem closing the gap between Africa’s potential and its future, where no child is left behind because of where they live or how much their parents earn. We’re especially excited about our upcoming product upgrades that make personalised learning even more accessible to children at home and in school,” says Isaac Oladipupo, CEO at Afrilearn. “Our goal is to reach 10 million learners across 12 African countries in the next 36 months. We believe that every child deserves a quality education that positions them for future success.”
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