Opinion
How to bring a real, permanent, sustainable, useful and beneficial change
How to bring a real, permanent, sustainable, useful and beneficial change
By Imam Murtadha Gusau
In the name of Allah, the Most Gracious, the Most Merciful
Verily, all praise is for Allah. We praise Him, we seek His assistance and we ask for His forgiveness. And we seek refuge in Him from the evils of our selves. Whoever Allah guides, none can misguide. Whoever He misguides, none can guide. And I bear witness that there is no deity other than Allah and I bear witness that Muhammad is His servant and messenger.
Dear brothers and sisters! Allah Almighty says:
“Indeed, Allah will not change the condition of a people until they change what is in themselves.” [Qur’an, 13:11]
Respected servants of Allah! The topic I’d like to discuss today in my sermon is about real change not empty change.
If we look at the best companies in the world, many of you work in those very companies. Change is very important. Adapting to change, adapting to the economic hardship, adapting to whatever’s going on, being able to become better and better, looking at feedback from customers. Looking at what the market is saying and how to match what the market needs.
The best teachers – they don’t teach every lesson the same way. They’re always wondering: how can we be better? How can we teach better?
The best athletes, every shot they take, they’re learning for the next shot. And they’re not afraid of taking those shots. For example, Michael Jordan said you miss 100% of the shots you don’t take.
You don’t take a shot, you can’t make it. So how can you learn from every single shot that you try to make? And as Muslims, how do we be better Muslims? How can we make change? Not only for ourselves, but for our families and for our community and for our countries and for our global Muslim Ummah, which especially now is hurting more than ever because of what’s going on (insecurity).
The Masjid al-Aqsa in Palestine – may Allah help our brothers and sisters there. What’s going on in China with the persecution of Muslims there, and in Burma and so many other places. As Muslims, it’s so important for us to understand the process of change and how to effect change. And to ensure that this isn’t just be something we preserve for our professional life.
Many of us are really good at our professional life, where we talk about these kinds of things, but how can we bring that ability to manage change and that ability to make change? How can we bring that to, not only our Muslim brothers, not only our community, not only our families, but to ourselves.
And if we look at our history, if we look at the reason that the Qur’an tells us for why we came to this earth, it was a process of change. Shaitan (Satan) was unable to change his view. Iblis was unable to change his mindset. He was unable to seek forgiveness and learn from his mistake. He was unable to be better.
He was unable to let go of his ego and his arrogance. And so he became Ar- Rajim – the cursed one. If we look at Prophet Adam and Hawwa’, they changed. They sought forgiveness. They learned from their mistake. And that’s what brings us here to earth – the process of change.
A lot of times we fear change. We fear that question: “what will happen when?” When COVID-19 started, how many people were so afraid of what’s going to happen? We were all stressed out about whatever is going to transpire. So having that trust in Allah throughout that process is incredibly important.
And I’d like to discuss how our beloved Prophet Muhammad (Peace be upon him) made change. Of course he made change in so many ways, but what are some of the things that we can discuss in the time that we have?
How did the Prophet (Peace be upon him) spark this civilisation that, in one hundred years, spread from the coasts of West Africa to China, in such a short amount of time? How did that happen so quickly? How was the Prophet (Peace be upon him) able to change a very rough society, a tribal society in the middle of the desert, with very few resources? Most people could not read or write. He himself could not read or write. How did the Prophet (Peace be upon him) make change with such huge obstacles and challenges where he could not even count on his own family members for support? Where his own uncles, his own family members – the Quraish, Abu Lahab – his own family members were against him. So, in the face of such challenges and seemingly unsurmountable obstacles, how did the Prophet (Peace be upon him) was able to actually affect change? And so let’s take a look.
The first thing that we notice about the Prophet (Peace be upon him) process is that the change did not happen all at once. It was not something that the expectation was that, as soon as Prophet Muhammad (Peace be upon him) says it, then it must happen and that’s it, and there’s nothing anyone can do about it. But rather, it was known that this is going to be a long-term mission, but there was a vision behind this.
There’s a set of steps that needed to take place, and each step was important on the journey. It wasn’t just about the end, but it was also about the means to get there. And that’s why I encourage all of us and anyone who want to bring real change to read the history of the life of the Prophet Muhammad (Peace be upon him). What did he go through and how was he able to make the change that he did?
What we see is a gradual change. Take something simple, like the prohibition of alcohol. It’s a very simple case where it did not come down all at once, but rather it came down gradually.
Also because, in the time of Makkah, the Muslims were not allowed to fight back. They were in Makkah. They were amongst the oppressors. The permission only came once they were in Madinah, and they could actually defend themselves and they could actually protect themselves.
And so this process has to be gradual. And yes, there’s, short-term things we can do and that we should do, but we must realise that it is a process that takes time.
The second thing we see in the way of the Prophet Muhammad (Peace be upon him) is that he approached things with a kinder way, with a gentler way. He could have been very authoritative, and he could have taken actions very harshly, but rather he tried his best to find the kinder way. And that is why, Allah Almighty says:
“If you were harsh and they would have ran away from you. But it was by the mercy of Allah that you were gentle to them.” [Qur’an, 3:159]
That was a part of his character. So, how can you approach things in a nuanced way? How can you approach things with gentleness? Realise that things aren’t what they seem.
The example of the man who urinated in the mosque, the bedouin man – the rest of the companions were ready to jump at him, but the Prophet (Peace be upon him) told them to let him finish and then they cleaned it up. Then that man accepted Islam. Or the example of the Jewish man and who came to test the Prophet (Peace be upon him) grabbed his shirt, and asked him for his debt and Umar was ready to jump at the guy, and Prophet (Peace be upon him) said:
“Wait, pay him his debt and pay him extra because you scared him.”
The Prophet (Peace be upon him) found ways. He was just, but he also tried his best to find the gentle way.
The third thing that the Prophet (Peace be upon him) did is that he brought in others. He had his Sahabah – the companions. The Prophet (Peace be upon him) did not try to do everything on his own. A lot of times, we have a great idea where we think, “I don’t need help from anybody else. Let me just do this by myself.” But actually, the Prophet (Peace be upon him) built a strong community. He realised that his efforts were not enough by himself. He would not be able to do it. He would need so many people with so many different talents and abilities and skills. He realised that he needed an Ummah. And this is what Allah commanded him to do. But it’s not enough just to have these solo activities that is approached at a large scale at the Ummah level.
The Prophet (Peace be upon him) was also told by Allah that every single member of that Ummah is important. The first martyr in Islam was a woman. By the name of Sumayyah. She was the first one who died for the sake of Islam. Every single person was important to the Prophet (Peace be upon him) in seeing that change play out. In the Qur’an, Allah tells us:
“Do not only turn your attention to those who are wealthy and powerful, but keep in mind the blind person and keep in mind the poor person.“
And Prophet (Peace be upon him) has even told us this. And so every member of that Ummah mattered.
And then we also have very familiar story in the Qur’an. The story of Prophet Dawud and Jalut – the story of a Supreme army. We have Prophet Dawud with his small group of followers, and he is able to, against the odds, defeat Jalut. Allah helps Prophet Dawud, and we see this in the time of the Prophet Muhammad (Peace be upon him) too. We see this at the battle of Badr, and at the battle of Uhud. We see it time and time again. The Muslims were small in number, yet they are able to succeed with the help of Allah and by the permission of Allah and by the wisdom of Allah.
We see this in the story of Prophet Musa that, even though Allah did such incredible miracles for Prophet Musa, Prophet Musa was still told to act in the way that he could. Prophet Musa was told to go to Fir’aun (Pharaoh) and to speak to him. And Prophet Musa was worried. He said:
“What about my speech, ya Allah? My speech is muffled. I’m not a good speaker. I’m not eloquent. Send Harun, my brother.”
Prophet Musa had all kinds of fears of failure in those situations. Allah Almighty told him:
“And speak unto him a gentle word, that peradventure he may heed or fear.” [Qur’an, 20:44]
Even though Fir’aun (Pharoah) did not listen, many of the followers of Pharoah listened. A lot times, we think we know what the result should be. We think that we know what the result in our minds, that is what the result should be. And that is the only way forward because that result seems so far out of reach. We don’t even want to take action. But the fact is, once we start taking those steps, Allah will open doors that we have never seen before. Allah will open doors for us that we would not even have considered. And that is why Allah Almighty says:
“And whosoever kept his duty to Allah, Allah will appoint a way out for him.” [Qur’an, 65:2]
The one who is mindful of Allah, the one who sticks to their principles and values, Allah finds for them a way. And so our part is to take those steps towards change on an individual level, in order to better ourselves.
So what is that simple step that I can take today to be a better Muslim? How can I continue what I was doing in the month of Ramadan? How can I be a better father, a better mother? What are the steps that I can take work? What talents do I have? What skills do I have that I can offer to my community?Alhamdulillah, we are so privileged the amount of talent that we have in this community? I would say that we actually have a responsibility to the rest of the Ummah.
We have a responsibility to the rest of the Ummah, the minds and the talents that are in this Mosque right now, that are in this community right now, have a responsibility to the rest of the Ummah. So how are we using the Allah-given skills, the skills that Allah has given us, how are you using that to change our community for the better? And it’s not just finances. It’s not just finances. It’s not just about, “oh, Allah, we’ll send someone to help us.” No, we have to be the real change. And that is why Allah Almighty says:
“Indeed, Allah will not change the condition of a people until they change what is in themselves.” [Qur’an, 13:11]
Allah does not change our status until we change ourselves. So what are the gradual steps that we can take to make change? What are the things that we can do to start making that change? Yes, we did it in Ramadan. We did things that we don’t normally do the rest of the year. We were able to do them in Ramadan and yes, it was tiring and yes, it was hard and yes, it was difficult, but we know that if we got that one night, Lailatul-Qadr, if we were able to get that reward of Ramadan as the Prophet (Peace be upon him) said, then:
“That Allah may forgive you of your sins that which is past.” [Qur’an, 48:2]
All of our previous sins or mistakes are forgiven and that is the reward of Ramadan. So nothing worth it is easy. And there is hardship, you know, when we’re born and we’re young, when we’re children, we want to learn. When we have our own children we see how curious they are. They want to do something, they want to learn, they want to do things themselves. From childhood, we want to improve and be better, but then the failures come and then we start to fear what will happen. And we’re not as courageous as we used to be.
How can we bring that energy back? In order to make a real change, not only for ourselves and for our family, but for our whole Ummah, for our countries and for the entire Muslim nation.
I ask Allah that he helps us to do that. And he helps us to affect change and learn how to make that change, and then apply that in our lives, and I ask Allah that he guides us by his book in the way of his Prophet (Peace be upon him), ameen.
Dear brothers and sisters! In addition to the things that I mentioned about how we can start to take changes, make changes in our own lives. There’s something really short-term, my brothers and sisters, that is really important for us to understand. How can we help our brothers and sisters everywhere in the world? What is it that we can do?
The first thing that we should do is make Du’a for them. Are we actually remembering them in our Du’as? Are we even making Du’as since Ramadan? And when we make Du’a, do we make it with yaqin (certainty) and with conviction. Let’s make Du’a for our brothers and sisters who are in the hands of terrorists, armed bandits and kidnappers, and all across the way world. Those that are suffering and depressed. May Allah alleviate their suffering and their pricing. May Allah set them free and give them justice, ameen.
The second thing we can do is to make this a topic of discussion in our families and to not shy away from that. Go out and say, “Let’s, as a family, instead of watching Godzilla vs King Kong tonight, let’s watch about the Islamic history. Let’s learn our own history.” A lot of times, we don’t even know our own history. When I went to school, I learned Northern Nigeria history. I learned Nigeria history. Again. I learned Islamic history. World history had two pages of Islam, two pages of Egypt and Pharaoh.
We don’t even know our own history. And our history is our memory and our memory is what makes us, so we need to learn about ourselves. We need to learn about where we came from. We need to teach our children about where we came from and what our history is. We should learn about the history of Muslims in this country and how Muslims came to this country. Why do the conflicts that exist? Why are they happening?
The third thing we can do is to write to our leaders and politicians. I know that seems like such a far off thing, writing to our leaders and politicians. What does that even mean? It seems like such an inaccessible thing, but I’ll tell you that it’s something that I feel in our community has been more accessible to me than I’ve ever seen before. These politicians and representatives have come to this mosque.
They have come here looking for our votes and saying we should hold them to it. We should tell them what we want to see. And we especially should support those who have come out in support of our people, our brothers and sisters. We should make sure that we are behind them and that we support them, irrespective of their region or tribe.
The fourth thing we can do is to go out to these events. We should go to what’s going on. We should make sure that our voices are heard. Our presence is felt because that’s what people see. That’s what people see – the images, the pictures, the media.
The fifth thing we can do is vote with our money. What are the products that we buy? Where are they coming from? And so I ask Allah that He helps us to do that. I ask Allah that He helps our brothers and sisters who are in the hands of terrorists, armed bandits and kidnappers, where they’re persecuted innocently.
May Allah set them free and grant them justice. May Allah grant them strength and courage. May Allah protect them and their families. May Allah guide them. May Allah strengthen us to do what we need to do. May Allah guide us in our youth. may Allah guide our elders, the men, and the women.
May Allah accept those who have passed. May Allah except him into his forgiveness and his mercy. May Allah give their families patience. May Allah grant us Jannatul-firdaus and reunite us with them and raise us with the Prophets and the martyrs and the Salihin and the righteous one, ameen.
Respected servants of Allah! Indeed, Allah orders justice and good conduct and giving to relatives and forbids immorality and bad conduct and oppression. He admonishes you that perhaps you will be reminded.
Remember Allah, the Great – He will remember you. Thank Him for His favours – He will increase you therein. And seek forgiveness from Him – He will forgive you. And be conscious of Him – He will provide you a way out of difficult matters. And, establish the prayer.
All praises and thanks are due to Allah alone, Lord of the worlds. May the peace, blessings and salutations of Allah be upon our noble Messenger, Muhammad, and upon his family, his Companions and his true and sincere followers.
Murtadha Muhammad Gusau is the Chief Imam of Nagazi-Uvete Jumu’ah and the late Alhaji Abdur-Rahman Okene’s Mosques, Okene, Kogi State, Nigeria. He can be reached via: gusauimam@gmail.com or +2348038289761.
This Jumu’ah Khutbah (Friday sermon) was prepared for delivery today, Friday, Dhul-Hijjah 30, 1443 AH (July 29, 2022).
Hashim Yusuf Hassan
It is strange how the world keeps turning. The sun still rises, the seasons still change, and people continue to go about their daily lives. But there is now a quiet space in my world, a silence where your voice used to be. It is a silence that has taught me more about love and loss than words could ever express.
I still find myself reaching for my phone to tell you something, seek your advice or simply hear you say, “Don’t worry, it’ll be alright.” I still see you in the most unexpected places—in a particular shade of blue in the sky or in the way someone leans back in their chair. For a fleeting moment, it feels as though you are still here. Then the moment passes, and the ache reminds me that you are no longer with us.
But here is the truth I am learning to live with: you are not truly gone. You are woven into the very fabric of who I am. I am the person I am today because of the lessons you taught me, not just through your words but also through the way you lived. You taught me what quiet strength looks like. You taught me that integrity means doing the right thing, even when no one is watching. You taught me how to be strong, but, more importantly, you taught me how to be kind.
When I look in the mirror, I see your eyes. When I hear my own laughter, I sometimes hear yours. When I stand up for something I believe in, I feel your hand on my shoulder. You remain the compass that guides me and the voice in my head that says, “You can do this.” You are the reason I know what it feels like to be truly and unconditionally loved.
I will not pretend that I have no regrets. I wish I had called you more often. I wish I had listened more. I wish I had told you “I love you” one more time, or a thousand more times. I wish you could see all that I have accomplished and the person I have become. But I choose to believe that, somehow, you know. I choose to believe that you are proud of me.
Grief, I have learned, is simply love with nowhere to go. And my love for you is an ocean. Now that you are gone, it has nowhere to land, so it washes over me, sometimes in gentle waves and sometimes in a tide that threatens to pull me under. It is the price of having loved you so deeply, and it is a price I would gladly pay a million times over.
Thank you, Baba, for everything, for the laughter, the lessons, the protection and the love. You were my first hero, my protector and my safe place. Even now, you remain my anchor.
I miss you more than words can ever express. I will carry you with me in every step I take, in every choice I make, and in every moment of joy and sorrow. I will strive to live a life that would make you proud. I promise.
Allah Ubangiji Ya yi maka rahama.
Your son, forever and always.
Hashim Yusuf Hassan.
By Dr Dahir M. Hashim
Outgoing Commissioner for Environment and Climate Change and Commissioner for Water Resources, Kano State.
Looking back on my time at the Kano State Ministry of Environment and Climate Change, one of the achievements I value most is the growing recognition of environmental protection as a shared responsibility and a critical component of public health, community wellbeing, livelihoods and the future of our state.
Over time, environmental issues became more prominent in public discourse, with more residents participating in government programmes, supporting interventions and demanding accountability. This growing public engagement remains one of the most rewarding aspects of our work.
For this, I am deeply grateful to the people of Kano State.
My journey at the ministry began on January 6, 2025, when His Excellency, Governor Abba Kabir Yusuf, entrusted me with the responsibility of leading the Ministry of Environment and Climate Change.
I assumed office at a time when the sector faced significant challenges. Public facilities had deteriorated, existing policies required updating, enforcement mechanisms were weak, and frontline workers were owed outstanding payments. However, the governor recognised the enormous potential of the ministry and provided the political backing and institutional support needed to begin the process of rebuilding it.
Rebuilding environmental infrastructure
One of the areas where we recorded significant progress was the restoration of government-owned tree nurseries. Eight previously non-functional facilities were fully rehabilitated, restoring the state’s capacity to produce seedlings locally and sustainably.
Building on the administration’s three-million-tree planting programme in 2024, the initiative expanded to five million seedlings in 2025 and ten million in 2026. Significantly, all the seedlings were raised in government-owned nurseries.
Beyond the impressive numbers, the achievement represented the revival of public infrastructure and the restoration of the state’s capacity to sustain its environmental programmes without depending entirely on external sources of seedlings.
We also prioritised the restoration of the Kano State Pollution Control Laboratory. The facility was renovated, equipped and recommissioned, providing the state with renewed scientific capacity to test and monitor pollution, generate environmental data and strengthen regulatory enforcement.
To consolidate these efforts, we operationalised the Environmental Pollution Control Law and developed the Environmental Pollution and Waste Control Regulations, providing a stronger legal and institutional framework for environmental protection.
Improving waste management and flood control
At the Refuse Management and Sanitation Board (REMASAB), we introduced reforms aimed at improving the coordination of waste collection, evacuation and disposal. These interventions made waste management operations more organised and responsive, supporting the evacuation of approximately one million metric tonnes of waste.
We also restored the Dorayi Compost Plant to operation, reviving its capacity to convert organic waste into useful compost. Beyond addressing waste disposal challenges, the facility offers opportunities for investment, employment and the development of a circular economy.
Recognising the recurring threat of flooding in several communities, we undertook drainage construction, clearance and erosion-control interventions across flood-prone areas.
The stormwater harvesting intervention in Toranke and the development of the Kano State Drainage Master Plan were particularly important components of our broader strategy to strengthen flood management and move towards more sustainable urban drainage planning.
Our approach was not limited to responding to immediate environmental challenges. We also sought to establish a framework for long-term resilience and better management of the state’s environmental resources.
Restoring public parks and recreational spaces
Another area of progress was the rehabilitation of public parks and recreational facilities.
We restored four public parks, with additional facilities undergoing similar interventions. Parks that had suffered years of neglect were given new management arrangements and clearer maintenance responsibilities.
These interventions were designed to restore public spaces where families could relax, children could play and residents could enjoy a healthier urban environment.
The reforms also produced encouraging financial results, with the combined annual revenue generated by the parks increasing from approximately ₦5 million to ₦90 million.
This demonstrated that properly managed public recreational facilities can serve both social and economic purposes while contributing to the state’s revenue base.
Building a stronger policy and climate governance framework
Perhaps one of the most important aspects of our work was the effort to strengthen the policy and legislative foundations of environmental governance in Kano State.
During my tenure, we developed the Kano State Climate Change Policy, alongside its implementation plan and results framework. We also advanced the Climate Change Bill and undertook a review of the state’s Forestry Law, which had remained largely unchanged for more than five decades.
In addition, we developed the Climate Finance Reform Action and Implementation Plan and the Green Bond Framework to position Kano State to attract investment for environmental protection, climate adaptation and sustainable development.
These initiatives were intended to ensure that environmental governance would not depend solely on individual administrations or isolated interventions but would be supported by policies, laws and institutions capable of sustaining progress over time.
Kano State’s third-place finish in the 2026 Climate Governance Performance Ranking and the opportunity to present our work at COP30 in Belém, Brazil, were encouraging milestones.
They demonstrated the potential of consistent institutional support, strategic planning and collective action to improve the state’s standing in environmental and climate governance.
However, such recognition should not be viewed merely as an award or international exposure. It should serve as a reminder of the responsibility to sustain the reforms and deliver tangible benefits to the people.
Putting environmental workers at the centre of reforms
I have always believed that environmental reforms cannot succeed without the commitment and welfare of the people who implement them.
Street sweepers, sanitation workers, environmental inspectors and forest guards constitute the backbone of environmental management. Unfortunately, many of these frontline workers had experienced difficult working conditions and outstanding payment challenges.
With the support of Governor Yusuf, we cleared nine months of salary arrears owed to 2,369 verified street sweepers and doubled their stipends.
We also re-engaged environmental inspectors and forest guards while doubling the stipends of 875 sanitation vanguards.
These interventions were not merely administrative decisions. They were an acknowledgement of the dignity of labour and the indispensable contribution of frontline workers to maintaining a clean, safe and healthy environment.
I remain grateful to these men and women whose daily sacrifices often go unnoticed but whose contributions are essential to the wellbeing of our communities.
A legacy of collective responsibility
As Governor Abba Kabir Yusuf restructures the ministries and appoints a new Commissioner for Environment and Climate Change, my overriding feeling is one of gratitude.
I am particularly grateful to His Excellency for the confidence he reposed in me, the opportunity to serve and the support he provided throughout my tenure. His willingness to listen to proposals and support difficult but necessary decisions made it possible for us to undertake many of the reforms highlighted in this account.
I also appreciate the staff of the ministry and its agencies, community leaders, development partners, civil society organisations, young volunteers, private-sector operators and residents who contributed to our work.
Their participation, constructive criticism, patience and cooperation helped shape our interventions and improve their implementation.
I must emphasise that these achievements are not the accomplishment of one individual. They are the product of collective effort, institutional commitment and the contributions of many people who believed that Kano deserved a cleaner, greener and more environmentally sustainable future.
To the incoming Honourable Commissioner, I extend my congratulations and wish you success in this important responsibility. I also assure you of my willingness to offer any necessary support to sustain the progress already made and advance the environmental agenda of our dear state.
Public service is ultimately about the people and the institutions we build to serve them. Positions may change, and responsibilities may be transferred, but the obligation to contribute to society remains.
Serving Kano State as Commissioner for Environment and Climate Change has been a profound privilege. I leave with gratitude for the opportunity, satisfaction in the progress recorded and the hope that the foundations we have laid will continue to support a cleaner, greener and more resilient Kano.
Thank you, Kano State, for the trust and support.
Dr Dahir M. Hashim is the Commissioner for Water Resources and outgoing Commissioner for Environment and Climate Change, Kano State.
Dr Saleh Adamu Kwaru
Adding a staggering $20.52 billion and €1.05 billion to Nigeria’s debt burden is more than an economic miscalculation; it is a source of heartbreak for a nation already brought to its knees. At a time when millions of citizens are struggling to afford a single meal, grappling with historic inflation and watching their futures slip away, the government’s response appears to be to pile yet another mountain of debt on the country. This raises a painful question for every suffering Nigerian: When will our leaders finally acknowledge the pain their decisions inflict, and when will the bleeding stop?
The timing of this massive loan request is particularly troubling. Seeking to secure huge foreign loans on the eve of intense political activity and election seasons, when public anxiety is high and attention is divided, risks depriving citizens of the robust accountability the country deserves. Rather than looking inward, exercising fiscal discipline and improving public revenue management, the government appears to be rushing to mortgage the nation’s collective future. It feels less like responsible governance and more like a desperate attempt to lock in liabilities before the public can challenge them.
Nigeria’s national debt profile is already a ticking time bomb, placing enormous pressure on every sector of society. Every additional dollar borrowed increases the country’s financial obligations and diverts revenue that could otherwise support schools, equip hospitals and protect vulnerable citizens. Adding more than $20 billion to this burden risks pushing the country closer to the brink of a debt crisis, threatening to leave future generations trapped in a cycle of economic dependence. How much more hardship can ordinary Nigerians endure before the consequences of unsustainable borrowing become overwhelming?
We are repeatedly offered the same promises that these loans will transform electricity, roads, healthcare and education. But good intentions without transparency and accountability are not enough. Where is the visible evidence that previous loans have translated into better living conditions for ordinary Nigerians? Instead of seeing the promised improvements, many citizens continue to grapple with rising poverty while the country’s debt burden grows. When projects fail to generate sufficient economic returns to justify their costs, the burden ultimately falls on ordinary citizens through higher taxes, deteriorating public services and deeper economic hardship.
Before anyone commits future generations to repaying billions of dollars in new loans, the government must look Nigerians in the eye and explain how existing public resources are being managed. Why does borrowing appear to be the easiest option while systemic corruption and inefficiencies in public spending remain major concerns? Nigerians are exhausted by a system that leaves them bearing the consequences of decisions over which they have little control.
The country does not need another mountain of debt built on promises alone. It needs leaders committed to transparency, fiscal discipline, prudent resource management and the welfare of the people they have sworn to serve. Any new borrowing must be justified by clear development objectives, independently verifiable benefits and a credible repayment plan.
Nigeria cannot borrow its way out of every economic challenge. The government must demonstrate that it has exhausted reasonable alternatives, established safeguards against waste and corruption, and put the public interest above political convenience. Without these assurances, further borrowing risks deepening the hardship Nigerians already face and transferring an even heavier burden to generations yet unborn.
Dr Saleh Adamu Kwaru, is former staff of Central Bank of Nigeria.
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