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New Naira note: Thank You, CBN

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Dr. Aliyu Umar Tilde 

I have been an advocate of a cashless Nigeria—or of minimum cash at least. That would be one of the greatest changes we would witness. Even for us who have seen many since the 1960s, this would truly be transformative.

The 47 days ultimatum is not an inch, but kilometers closer to that target. It is necessary from the administrative, economic and security points of view.

Even without giving the Naira a facelift, I was earlier this year advocating for a maximum cash withdrawal limit of N10,000. That would make all cash-based corrupt practices difficult, stabilize the Naira substantially, stamp out kidnapping, robbery, drugs, and many crimes. Cash is the oxygen of evil in our society. Withhold it and you will enjoy watching many criminals suffocate. The additional benefits of bringing mass numbers into the formal sector are also there.

Two things have been driving kidnapping. The GSM and Cash. Without contact with the relatives of the victim, there would be no kidnapping. And without cash available, the kidnapper is left with the option of not to kidnap at all or with the conundrum of kill-or-release, with no benefit either way. After a short while, it will be a worthless venture and abandoned.

I today run a cashless Ministry of Education and I know how sweet it is for a contractor, principal or labourer to get his FULL pay as he sits at home without suffering the risk and cost of distance. Executives can instantly receive the alerts of any deduction done. How beautiful! It is also sweet when every kobo can be easily be traced to the last beneficiary at any given time.

The CBN is right. The limited cash policy cannot not take off well unless the apex Bank smokes out the cash presently in circulation. So which way is better than face-lifting the currency? All of it will be delivered to the Bank and then it will give us the cap of limited cash to wear and the bullion van drivers can go to sleep.

It could be tasking to many though. But that is the nature of all the changes we have witnessed before. They come with initial difficulty but end with a smooth ride of progress.

The elite often cites rural folks are often cited as would be victims, forgetting whether the masses are happier with the ongoing kidnapping for cash. The Bank is giving them a choice between cash and security of their lives. We the elite are choosing the cash for them. Haba. The shock of 1984 may not be there after all. We have 47 days, not just a week.

Let us  wake up. Nigeria today is not the one of 1984. So many things have changed. It used to take me hours to withdraw N100 from my bank at Gusau Rd, Sokoto, in 1984. Today, one can send N10million with a tap of a finger on his mobile phone. It used to take a month to send N100 between Bauchi and Jos twenty years ago. Not anymore.

Let us embrace progress. Let us be positive about it and positive things will come. It is indeed a blessing to witness so much change in a life time. Alhamdulillah.

Dr. Aliyu U. Tilde,
Is a Commissioner of Education,
Bauchi State.
28 October 2022.

This piece was first published on his Facebook account.

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Opinion

One Year Without Baba: A Son’s Tribute to Alhaji Yusuf Hassan

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Alhaji Yusuf Hassan

 

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. 

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Opinion

Kano Environment Ministry: The Reforms We Began and the Legacy We Leave

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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.

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Opinion

Election-Era Extravagance: Why Nigeria Must Reject the Latest Debt Plan

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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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