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SERAP Sues INEC over ‘Failure to Probe Alleged N800bn FAAC Diversion for Campaign Funding’

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Socio-Economic Rights and Accountability Project (SERAP) has filed a lawsuit against the Independent National Electoral Commission (INEC) “over the failure to investigate the allegations that governors of the All Progressives Congress (APC) diverted N800 billion for political and campaign purposes.”

According to reports, APC governors are allegedly making monthly contributions from their Federation Account Allocation Committee (FAAC) allocations to a dedicated campaign fund to support President Bola Tinubu’s re-election campaign.

In the suit number FHC/ABJ/CS/1426/2026 filed last week at the Federal High Court in Abuja, SERAP is seeking: “an order of mandamus to direct and compel INEC to investigate the allegations that governors of the All Progressives Congress (APC) diverted N800 billion for political and campaign purposes.”

SERAP is seeking: “an order of mandamus to direct and compel INEC to request full disclosure from the governors and APC regarding the alleged contributions made to any dedicated campaign fund, including the names of donors and the lawful origin of funds.”

SERAP is also seeking: “an order of mandamus to direct and compel INEC to promptly initiate a formal review and investigation into compliance with Section 91 of the Electoral Act by all political parties and candidates, particularly in relation to the sources and scale of political or campaign financing in the current political cycle.”

In the suit, SERAP is arguing that: “these allegations raise serious concerns about political finance transparency, electoral fairness, and the constitutional right of Nigerians to participate freely in their own government.”

SERAP is also arguing that, “opaque political financing remains a major entry point for corruption and a threat to democratic legitimacy. Nigerians deserve to know who funds the candidates or political parties of their choice and the sources of any such funding.”

According to SERAP, “The abuse of state resources for electoral advantage undermines democratic integrity and public trust. Fairness, transparency, and accountability in political or campaign finance are essential safeguards against corruption, state capture, and undue influence in democratic processes.”

The lawsuit filed on behalf of SERAP by its lawyers, Kolawole Oluwadare and Kehinde Oyewumi, read in part: “the allegations of diversion or opaque use of public funds pose a grave risk to the integrity of the 2027 general elections.”

“Large-scale public fiscal flows, coupled with weak transparency and oversight mechanisms, provide a compelling basis for INEC to activate its constitutional and statutory mandates.”

“Political finance in Nigeria remains characterised by limited transparency, inadequate disclosure, and weak enforcement, creating significant risks of the misuse of public resources for political purposes.”

“Section 91 of the Electoral Act empowers and requires INEC to set limits on political donations that individuals or entities can make to political parties or candidates and demand disclosure of contributions and sources of funds, and enforce sanctions against violations.”

“Section 91 establishes that any political party that exceeds the prescribed donation limit is liable to a fine of up to ₦10,000,000, plus forfeiture of the excess amount. It provides that any individual who exceeds the donation limit commits an offence and is liable to a fine equal to five times the amount donated in excess of the legal limit.”

“Section 91(2) of the Electoral Act provides that any individual, candidate, or political party that exceeds the donation limits set by INEC commits an offence and is liable upon conviction to sanctions.”

“For political parties, this includes a fine of up to ₦10,000,000 and forfeiture of any amount received above the prescribed limit, while individuals are liable to a penalty of five times the amount contributed in excess of the allowable limit.”

“Exceeding donation limits attracts sanctions including fines, forfeiture of excess funds, and penalties of up to five times the amount contributed in excess for individuals.”

 

“The right to political participation requires that citizens have a real opportunity to exercise their political rights. The right to free, fair and transparent elections is a fundamental human right. This imposes a duty on state institutions to ensure that elections are credible, transparent, and inclusive.”

“The allegations of diversion or opaque use of public funds—particularly on the scale reported—pose a grave threat to the integrity of the 2027 general elections.”

“The combination of large-scale public fiscal flows, opaque deduction structures, and allegations of misuse public funds for political and campaign purposes creates a reasonable basis to direct INEC to exercise its investigative and monitoring mandates under the Nigerian Constitution 1999 [as amended] and the Electoral Act.”

“The Nigerian Constitution, the Electoral Act and anticorruption and human rights standards prohibit the misuse of state resources and impose clear obligations regarding campaign finance transparency and fairness.”

“The Commission has constitutional and statutory obligations to ensure that no individual or political party exceeds legally prescribed contribution limits, whether directly or indirectly, and to ensure full transparency regarding the origin and quantum of political funding.”

“Where allegations exist that large-scale financial resources—including potentially state-derived or publicly controlled funds—may be influencing political activity outside lawful channels, such circumstances fall squarely within the preventive and investigative mandate of the Commission, as provided for by the Electoral Act.”

“INEC continues to fail to proactively enforce the provisions of the Nigerian Constitution and the Electoral Act regarding the allegations of political finance distortion, thereby undermining public trust in electoral institutions and the right of Nigerians to participate in their own government.”

“Section 14(2)(c) of the Nigerian Constitution guarantees that: “the participation by the people in their government shall be ensured.” This provision imposes a positive constitutional obligation to maintain electoral conditions that are free, fair, and not distorted by undue influence.”

“The provision also imposes a binding obligation on all institutions, including INEC, to safeguard the integrity of the democratic process.”

“Section 15(5) of the Nigerian Constitution requires public institutions to abolish all corrupt practices and abuse of power. Section 13 imposes clear responsibility on INEC to conform to, observe and apply the provisions of Chapter 2 of the constitution.”

“Article 13 of the African Charter on Human and Peoples’ Rights guarantees every citizen the right to participate freely in government. Similarly, Article 25 of the International Covenant on Civil and Political Rights, requires that elections reflect the free expression of the will of the electorate. Nigeria has ratified both treaties.”

“Nigeria has made legally binding commitments under the UN Convention against Corruption to ensure accountability in the management of public resources. Articles 5 and 9 of the UN Convention against Corruption also impose legal obligations on the Commission to ensure proper management of public affairs and public funds.”

“These commitments ought to be fully upheld and respected. Article 7(3) of the Convention requires institutions including INEC to ensure political finance transparency. The provisions aim to prevent corruption in and through elections.”

“Where public resources are allegedly diverted or deployed for political and campaign purposes, the result is not merely financial impropriety—it is a direct distortion of electoral competition. Such actions undermine the principle of a level playing field and erode the ability of citizens to freely choose their representatives.”

“Any use of public funds for political advantage would constitute a grave violation of these national and international standards and a threat to electoral credibility.”

No date has been fixed for the hearing of the suit.

 

 

 

PTAD: Harmonisation Reforms Designed to Advance Pension Equity

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The Pension Transitional Arrangement Directorate (PTAD) says implementation of the Defined Benefit Scheme Pension Harmonisation is a reform meant to advance and enhance pension payment equity in the country.

The Executive Secretary/CEO, Pension Transitional Arrangement Directorate (PTAD), Tolulope Abiodun Odunaiya said the initiative is a landmark reform designed to restore fairness, improve retirees’ welfare and strengthen confidence in the administration of the country’s legacy pension system.

The harmonisation exercise, approved under the Renewed Hope Agenda of President Bola Ahmed Tinubu, marks one of the most significant policy interventions in the DBS since PTAD was established in 2013 to take over the management of pensions under the old federal pension arrangement.

Unlike periodic pension increases that merely raise existing benefits by a percentage, she stressed that pension harmonisation goes further by recomputing pensions using the latest approved salary structures that existed before the closure of the Defined Benefit Scheme (DBS).

The objective, he noted, is to ensure that retirees who held similar positions and rendered comparable years of service receive equitable pension benefits regardless of their retirement dates.

The initiative comes against the backdrop of years of agitation by pensioners over historical disparities in pension computation.

PTAD’s harmonisation programme, she said, seeks to resolve that challenge by restoring parity within the system.

According to her, pension harmonisation is the formal recomputation of pensions using approved salary structures applicable before the DBS cut-off date. In practical terms, it ensures that pension outcomes are determined by rank, grade level and years of service rather than the year of retirement.

The Directorate believes the exercise will significantly improve social justice by correcting historical inequities that disadvantaged thousands of retirees.

The harmonisation applies primarily to Federal Government pensioners as well as eligible retirees under the Parastatals Pension Department (PaPD), Defunct and Transferred Agencies Pension Department (DTAPD) and the Education and Health Pension Department (TEHPD), particularly those who initially served under the Federal Government before their agencies were transferred to state governments.

How Babies N’ Stuffs is Building the Future of Parenting Commerce in Nigeria

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Nigeria’s baby products industry is undergoing a quiet transformation.

Driven by rising consumer awareness, increasing demand for quality products, and a growing population of young parents, the sector presents significant opportunities for businesses prepared to prioritise quality over convenience.

Among the companies positioning themselves for long term leadership is Babies N’ Stuffs, founded by entrepreneur Abidemi Rasheed.

While many retailers compete primarily on price, Babies N’ Stuffs has adopted a different strategy building a business around trust, customer experience, and uncompromising product standards.

The company believes parenting commerce extends beyond selling products. It is about providing confidence, education, and dependable solutions that support families from pregnancy through early childhood.

This philosophy has shaped the company’s sourcing strategy. Rather than accepting lower quality products often designated for emerging markets, Babies N’ Stuffs insists on international manufacturing standards, ensuring Nigerian parents have access to products comparable to those available in developed markets.

That approach has strengthened customer loyalty while differentiating the company in an increasingly competitive retail environment.

Looking ahead, the company’s ambitions extend far beyond retail.

Babies N’ Stuffs aims to become a fully integrated parenting brand with interests spanning retail, manufacturing, product development, digital commerce, and regional distribution across Africa.

The vision aligns with broader shifts in African consumer markets, where trusted indigenous brands are increasingly challenging imported alternatives.

Central to this growth strategy is the understanding that modern retail is no longer defined solely by physical stores. Today’s consumers expect brands to deliver seamless experiences across physical locations, digital platforms, customer service, and community engagement.

Industry analysts note that businesses capable of combining operational excellence with strong brand credibility are more likely to achieve sustainable growth in Nigeria’s evolving consumer economy.

For Babies N’ Stuffs, that credibility has been earned through consistency, ethical business practices, and an unwavering commitment to quality.

The company’s growth has also been supported by deliberate public positioning and strategic brand communications.

Working alongside Social Media Centre Marketing (SMC), Babies N’ Stuffs has focused on founder storytelling, thought leadership, and industry engagement that reinforces its reputation without losing sight of its core mission.

The approach reflects an emerging business philosophy increasingly recognised within Nigeria’s branding ecosystem: Visible Proximity, Credibility Marketing, and Public Positioning- three principles that emphasise sustained visibility, earned trust and authoritative market presence.

Rather than relying on promotional campaigns alone, Babies N’ Stuffs has steadily built recognition by contributing to conversations around product quality, parenting, entrepreneurship, and consumer confidence.

As Nigeria’s retail sector continues to evolve, the next generation of market leaders will likely be defined not only by the products they sell but by the trust they inspire.

For Babies N’ Stuffs, the journey is no longer simply about becoming a successful baby products retailer. It is about building one of Africa’s most respected parenting commerce brands one capable of competing globally while remaining deeply committed to serving Nigerian families.

If current momentum is any indication, the company is positioning itself not merely for growth, but for lasting relevance in the future of African retail.

 

NGX Leadership Engages Global Community on T +1 Policy to Strengthen Nigeria’s Capacity to Attract FDI

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Dr. Umaru Kwairanga, Group Chairman, Nigerian Exchange Group (NGX) recently led an NGX delegation to the Nigeria T+1 Roundtable in London to engage officials of Russell FTSE, global investors and major market leaders on Nigeria’s capital market reclassification and its attractiveness for Foreign Direct Investment (FDI).

At the meeting, the NGX wanted to know the reasons for FTSE’s hesitation in reclassification of the Nigerian capital market and how to address emerging issues in that regard.

The delegation insisted that T+1 was agreed after consultation between regulators, operators, market infrastructure providers and other stakeholders and has operated very well since it came into effect last month.

Furthermore, the reclassification also received the approval of the capital market regulator, Securities & Exchange Commission (SEC).

Kwairanga said the NGX team were ready to address the concerns of its international stakeholders within the T+1 framework.

“We made some proposals by aligning with the T+1, awaiting their outcomes. The trust, openness and participation of Big Institutional Investors and Custodians at the meeting made it a successful trip.”

In a recent post, Dr. Khalid Yusuf Ahmed extolled the leadership qualities of Kwairanga in respect of the reclassification process.

“True leadership is not defined by titles: It is defined by the ability to shape the future of institutions, markets, and nations. I was deeply inspired to learn that Umaru Kwairanga, the Chairman of the Nigerian Exchange Group (NGX), who has also been a father and my mentor in the field of finance and financial management, recently led the NGX delegation to the Nigeria T+1 Roundtable in London.

The engagement brought together representatives of Russell FTSE, international investors, and key market stakeholders to discuss issues surrounding Nigeria’s capital market classification and the country’s continued attractiveness as an investment destination. Behind engagements like these lies something far greater than a series of meetings.

They represent strategic efforts to strengthen investor confidence, enhance market credibility, improve capital flows, and reinforce Nigeria’s position within the global financial ecosystem. In today’s interconnected world, capital markets thrive on confidence, transparency, sound governance, and continuous engagement with global investors.

Strengthening these relationships is essential not only for market development but also for unlocking economic opportunities that drive business growth, job creation, innovation, and national prosperity. Watching this level of leadership reinforces an important lesson for me: strategic finance is not simply about financial statements or investment decisions.

It is about shaping institutions, influencing policy, building trust, and creating an environment where economies can flourish sustainably.

As Chairman of the NGX, his leadership continues to exemplify these principles. His vision extends beyond strengthening Nigeria’s capital market to contributing meaningfully to regional and global economic development through collaboration, institutional excellence, and long-term strategic thinking.

For many of us in the next generation of finance professionals, these moments are more than milestones; they are examples of the standard of leadership we aspire to emulate. They remind us that our profession carries a responsibility not only to create financial value but also to build stronger institutions, expand opportunities, and contribute to sustainable economic progress. I remain grateful for his mentorship and for the example he continues to set through service, humility, integrity, and excellence.

Equally commendable is the dedication of the entire NGX team, whose collective efforts continue to advance Nigeria’s capital market and strengthen its standing on the international stage.

To my mentor, thank you for demonstrating that true leadership is measured by the opportunities we create for others, the institutions we strengthen, and the legacy we leave behind.

Your commitment to Nigeria’s economic future and to the advancement of Africa’s capital markets continues to inspire many of us who are privileged to follow the path you and your team are helping to pave.”

 

AEDC Bemoans Power Supply Disruption in Maitama after Invasion of Sub-station by Land Grabbers

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The Abuja Electricity Distribution Company (AEDC) regrets to inform customers in Maitama and surrounding areas that it is presently unable to supply electricity from its C2 Maitama Substation following the invasion and unlawful encroachment of the facility by land grabbers led by an Assistant Director of FCDA, Mr. Chinedu Okoro.

The C2 Maitama Substation is a critical electricity distribution installation serving homes, businesses, diplomatic missions and government institutions. During the encroachment, vital electricity cables and other network infrastructure were damaged, making it unsafe and technically impossible to continue power supply from the facility.

AEDC has also petitioned the relevant authorities over the activities of individuals, as the substation and its land duly belongs to AEDC. The Company expects a thorough investigation and appropriate action in accordance with the law.

We strongly condemn any encroachment on critical national infrastructure, as such actions deprive communities of essential electricity supply, disrupt economic activities and compromise public interest.

AEDC regrets the inconvenience caused and assures customers that restoration efforts will commence as soon as the substation is secured and the damaged infrastructure is rebuilt. We appreciate the understanding and support of our customers as we work with the relevant authorities to resolve this unfortunate situation.

Signed

Management

Abuja Electricity Distribution Plc. (AEDC)

INTI International University Appoints Dr. Walter Duru as Research Fellow

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Renowned Nigerian communication scholar, public relations leader, and Associate Professor of Mass Communication at Achievers University, Owo, Dr. Chike Walter Duru, has been appointed a Research Fellow of INTI International University, Malaysia, in recognition of his distinguished contributions to strategic communication, media studies, governance, international development and communication research.

The appointment, which takes effect from 19 May 2026 through 31 December 2028, places Dr. Duru among an international network of scholars committed to advancing collaborative research, innovation, and global academic engagement.

According to the official appointment letter signed by the Vice-Chancellor of INTI International University, Professor Joseph Lee, the fellowship is designed to promote excellence in research, enhance institutional research standards, and foster international scholarly collaboration.

As a Research Fellow, Dr. Duru will participate in a broad range of academic and research activities, including collaborative research projects, international conferences, research symposiums, postgraduate supervision, guest lectures, research consultancy, curriculum development, and scholarly publications. The fellowship also provides opportunities for research funding and institutional support for the dissemination of research outputs.

The appointment represents another milestone in the career of one of Nigeria’s most accomplished strategic communication and development experts.

Dr. Duru currently serves as the Head of the Department of Mass Communication at Achievers University, Owo, where he combines academic leadership with extensive practical experience gained across the public, private, humanitarian, and international development sectors.

With more than two decades of professional experience, Dr. Duru has distinguished himself through exemplary leadership in strategic communication, governance reform, humanitarian response, media management, public affairs, stakeholder engagement, and institutional capacity development.

Until recently, he served as a Communication Expert with the United Nations Office for the Coordination of Humanitarian Affairs (UNOCHA) in Nigeria. He previously led communications for the Nigeria Digital Identification for Development (ID4D) Project, a landmark World Bank-supported national programme co-funded by the European Investment Bank and the French Development Agency.

His extensive consultancy portfolio includes serving as Lead Communication and Advocacy Consultant on major donor-funded governance initiatives such as the European Union-funded Rule of Law and Anti-Corruption (ROLAC) Programme and the UK Department for International Development (DFID)-supported Justice for All (J4A) Programme. His work has contributed significantly to strengthening transparency, Freedom of Information implementation, justice sector reforms, and citizen engagement.

Dr. Duru also served as Special Adviser on Media and Communications to the Governor of Imo State, where he spearheaded strategic government communication and public engagement initiatives. He is widely acknowledged as one of the pioneers of Nigeria’s Open Government Partnership (OGP) process, having co-chaired the Access to Information Working Group that advanced transparency and accountability reforms nationwide.

In 2015, Duru was named among Nigeria’s leading media executives after being screened and selected among the top four percent of executives in the sector. The recognition came with an Award of Excellence presented by a business research and publication firm led by Harvard-trained American executive Elvis Krivokuca.

His academic journey includes teaching and leadership appointments at the American University of Nigeria, Yola, Prime University, Abuja, Madonna University, and currently Achievers University, Owo. He has authored several textbooks, contributed chapters to scholarly publications, and published more than fifty peer-reviewed journal articles covering public relations, development communication, journalism, media studies, advertising, and African communication systems.

Reacting to the appointment, Dr. Duru described it as an important opportunity to deepen international research collaboration and contribute to knowledge production that addresses contemporary communication and development challenges.

“This fellowship provides an excellent platform for international academic collaboration, interdisciplinary research, and knowledge exchange. I look forward to working with colleagues at INTI International University to produce impactful research that contributes to communication scholarship and sustainable development.”

Colleagues and associates have described the appointment as a well-deserved recognition of Dr. Duru’s longstanding contributions to scholarship, policy development, governance reforms, and strategic communication practice across Africa.

Observers note that the fellowship further strengthens the international profile of Achievers University, Owo, and reflects the growing global recognition of Nigerian scholars making significant contributions to research, innovation, and development.

Dr. Duru holds a Ph.D. in Mass Communication from the University of Uyo, a Master’s degree in Mass Communication from the University of Nigeria, Nsukka, and a Bachelor’s degree in Mass Communication from Imo State University, Owerri.

He is a member of several professional bodies, including the Nigerian Institute of Public Relations (NIPR), the Nigeria Union of Journalists (NUJ), the African Council for Communication Education (ACCE), and the Association of Media and Communication Researchers of Nigeria (AMCRON).

World Skin Health Day 2026: Skin Health Beyond Skin Colour – Better Knowledge, Better Skin Health

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Dr. Folakemi Cole-Adeife

Consultant Physician and Dermatologist

LASUTH

Every year on July 8, dermatologists around the world commemorate World Skin Health Day, an initiative that seeks to improve awareness of skin diseases, promote healthy skin practices, and expand access to quality dermatological care for everyone.

This year’s global theme, “Better Knowledge, Better Skin Health,” highlights a simple but powerful message: when people have accurate information about skin health, they are better equipped to prevent disease, recognise warning signs early, make informed decisions, and seek appropriate care.

In Nigeria, the Nigerian Association of Dermatologists is commemorating World Skin Health Day with the campaign “Skin Health Beyond Skin Colour.”

This campaign aims to shift the conversation from changing skin colour to protecting skin health. It reminds us that healthy skin is not determined by how light or dark it is. Healthy skin is skin that performs its natural functions, protects the body from disease, and contributes to overall wellbeing.

Skin diseases are among the most common health conditions worldwide, affecting people of all ages. They include infections, eczema, acne, psoriasis, vitiligo, albinism-related skin complications, fungal infections, skin cancers, and many other conditions.

Although many skin diseases are preventable or treatable, delayed presentation, misinformation, self-medication, and limited access to specialist care often result in avoidable complications.

One of the major public health concerns receiving attention during this year’s campaign is the growing practice of skin bleaching. Across many African countries, the use of skin-lightening products has become increasingly common, driven by harmful beauty standards, colourism, misinformation, and aggressive marketing. Many of these products contain dangerous ingredients such as potent corticosteroids, mercury, or excessive concentrations of hydroquinone.

Their prolonged use can cause permanent skin damage, severe acne, difficult-to-treat infections, stretch marks, delayed wound healing, kidney damage, adrenal suppression, and other serious health complications.

Skin bleaching is therefore not merely a cosmetic issue—it is a significant public health concern that requires education, stronger regulation, responsible marketing, and community engagement.

Throughout this year’s World Skin Health Day activities, the Nigerian Association of Dermatologists is collaborating with government agencies, healthcare professionals, pharmacists, public health experts, civil society organisations, and community leaders to promote evidence-based skin health education. Activities include community outreaches, healthcare worker training, stakeholder engagement, public lectures, digital advocacy, and a Pan-African webinar bringing together experts from across the continent to discuss strategies for reducing the burden of skin bleaching in Africa.

Our campaign also seeks to challenge myths surrounding skincare. Healthy skin does not require harsh products or unnecessary cosmetic procedures. Simple daily practices—including gentle cleansing, regular moisturising, sun protection, prompt treatment of skin conditions, and avoiding unregulated products—can significantly improve skin health.

We encourage Nigerians to obtain skincare information from qualified healthcare professionals rather than relying on misinformation circulating on social media or advice from unqualified vendors. Persistent rashes, non-healing wounds, changing moles, severe itching, unexplained skin colour changes, or other persistent skin problems should be assessed by trained healthcare providers.

As we commemorate World Skin Health Day 2026, we call on every Nigerian to embrace healthy skin practices, celebrate the beauty of all-natural skin colours, reject harmful skin bleaching, and support efforts to improve skin health for everyone.

Our message this year is simple:

Healthy beautiful skin comes in all skin colours.

Let us prioritise skin health over skin tone, knowledge over misinformation, and prevention over cure.

Together, through better knowledge, we can achieve better skin health for all.

Stanbic IBTC Deepens Commitment to MSME Growth through Strategic Partnership with Abia State

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Stanbic IBTC has reaffirmed its commitment to accelerating the growth of Micro, Small and Medium Enterprises (MSMEs) across Nigeria through strategic partnerships with state governments and institutions committed to creating enabling environments for businesses to thrive.

The company made this commitment during its Nigeria Business Summit Regional Tour held in Aba, in partnership with the Abia State Government, to deliver business enlightenment sessions, funding masterclasses, enterprise advisory services and capacity-building programmes for entrepreneurs. The regional tour kicked off at the appropriate time, following the 2026 World MSME Day commemoration in late June.

The event saw a convergence of government officials, business leaders, development partners, financial institutions and entrepreneurs to explore practical strategies for unlocking sustainable growth opportunities for MSMEs, while strengthening collaboration between the public and private sectors.

Speaking at the event, the Honourable Commissioner for Industry and SMEs, Mazi Michael Enyinnaya Akpara, reiterated Abia State Government’s commitment to building one of Nigeria’s most competitive enterprise ecosystems through deliberate policy reforms and strategic initiatives.

According to him, the State is currently developing a comprehensive MSME Policy to provide a clear framework for enterprise development, while also establishing a statewide MSME Directory to improve business visibility and access to investment opportunities.

He further announced plans for the National Brands Development and Made-in-Nigeria Project (Abia Expo 2026), an initiative designed to showcase the ingenuity of Nigerian businesses, strengthen locally manufactured products and position Abia as Nigeria’s preferred destination for quality local production.

“Abia State is intentionally building an ecosystem where businesses can start, grow, compete and access markets both locally and internationally. Through the development of the State MSME Policy, the MSME Directory and the National Brands Development and Made-in-Nigeria Project, we are laying the foundation for sustainable enterprise growth. Partnerships with organisations like Stanbic IBTC are critical to achieving this vision because government cannot build a thriving MSME ecosystem alone,” he said.

Commenting on Stanbic IBTC’s broader role in supporting Nigerian businesses, Chuma Nwokocha, Chief Executive, Stanbic IBTC Holdings, said: “Businesses do not scale in isolation. They scale when they have access to capital; to intelligence; and to the platforms that connect them to wider markets.”

Chuma further added: “We will accelerate MSME graduation through value chain finance, structured lending, and the credit and advisory capability that turns promising businesses into durable ones. And we will invest in the sectors that will define Nigeria’s next decade.”

Also speaking, Executive Director, Business and Commercial Banking, Stanbic IBTC Bank, Remy Osuagwu, noted that the company is taking a more deliberate, nationwide approach to supporting entrepreneurs by bringing practical business support closer to where businesses operate.

“Our ambition is to become the partner of choice for Nigerian businesses wherever they operate. We are taking our support beyond traditional banking by delivering business education, advisory services, capacity-building programmes and access to financing directly to entrepreneurs across the country. Following Aba, we will continue this journey across key commercial centres including Kano, Ibadan and Onitsha, working alongside governments and enterprise support organisations to help businesses unlock sustainable growth,” he said.

The goodwill message from Stanbic IBTC, delivered by Olajumoke Bello, Head, Enterprise Banking, Stanbic IBTC Bank, reinforced Aba’s importance as one of Nigeria’s leading centres for manufacturing, trade, and entrepreneurship. The company noted that the city’s vibrant business community makes it a strategic location for its MSME development agenda, adding that its partnership with Abia State Government reflects its confidence in the potential of businesses across the state.

Stanbic IBTC further stated that its commitment extends beyond the summit, with continued support for entrepreneurs through knowledge, tools, partnerships, and financial solutions designed to help them scale and compete successfully.

The company noted that its engagement in Abia forms part of a broader national strategy to strengthen MSME ecosystems across Nigeria through partnerships with governments and organisations committed to enterprise development. Building on the momentum from Aba, Stanbic IBTC will continue its regional MSME engagement programme across other major commercial and industrial centres, including Kano, Ibadan and Onitsha, with plans to extend similar initiatives to additional regions across the country.

Through these engagements, entrepreneurs will have access to practical business training, capacity-building programmes, advisory services, networking opportunities and financing solutions designed to help them build resilient and competitive businesses.

Businesses interested in learning more about Stanbic IBTC’s SME solutions, upcoming capacity-building programmes and regional engagements can visit Stanbic IBTC’s website via www.stanbicibtc.com and follow @stanbicibtc across its social media platforms for updates on future events and opportunities.

 

Tinubu’s Biggest Opponent is Not Obi or Atiku… It’s Tinubu

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By Moses Braimah

“A government that spends more time explaining the

 opposition than explaining its achievements may

already know where its real problem lies.”

Nigeria is a fascinating country. 

Explain it to someone and watch them nod eagerly, only for them to confess moments later: “I still don’t understand.” If you claim to fully grasp Nigeria, you are either a genius or nobody explained it properly.

Take our politics. 

President Bola Ahmed Tinubu sits in Aso Rock with every lever of power firmly in hand: constitutional authority, federal machinery, a ruling party that controls the National Assembly, the loyalty of most governors, ministerial appointments, security agencies, and the full weight of incumbency. He has time, plenty of it, before 2027.

Yet somehow, Peter Obi still haunts the dreams of many in the corridors of power. How?

Even if we accept the official narrative without question; INEC declared Tinubu winner, the judiciary affirmed it, case closed – the reality remains: Obi came third, Atiku second. Simple arithmetic.

So why does every political conversation treat Peter Obi like the man in Aso Rock and Tinubu like the opposition candidate campaigning from the streets? Something is seriously off balance.

President Tinubu, please note. The Real Opposition Lives in the Market.

Tinubu’s greatest political opponent is not Peter Obi.  It is not Atiku Abubakar.

It is not social media, the NDC Party, or the ADC.  It is the ordinary Nigerian, the woman haggling for tomatoes and rice in the market, the father staring at fuel prices and school fees every single morning.  That voter is the real opposition. You cannot arrest her. You cannot suspend him. You cannot drown that frustration in press releases.

The electorate has a simple, unforgiving logic: when happy, they reward. When hurting, they look elsewhere. Politics is not more complicated than that.

Please don’t forget, talk is cheap. But Nigerians want evidence.

Nigerians have perfected two arts: listening carefully, and comparing what they hear with what they feel in their pockets and bellies. Government speaks of reforms. The people speak of hardship. Government talks of laying foundations. The people ask, “Foundations for how long?”  Government preaches patience. The people reply, “Na patience we don dey chop since 1999?”

Nobody denies that fuel subsidy removal and exchange-rate reforms were economically inevitable. Many experts agree. But economic theory does not fill plates or pay bills. Economists celebrate policy. Citizens celebrate results. No one cooks textbooks for dinner.

One interesting thing is that the Tinubu Propaganda Department is working overtime.

Listen to some government defenders and you’ll be entertained. Instead of showcasing tangible improvements in living standards, they expend enormous energy attacking Obi, Atiku, or whoever is trending.

One wonders: if the report card is that impressive, why spend the entire PTA meeting discussing another student’s failures? Show us your results. Instead, the propaganda machine runs non-stop. Every criticism is labelled “political.” Every complaint is “sponsored.” Every protest is “opposition.” Every dissenting economist is “anti-government.” Every uncomfortable headline is a “conspiracy.”

Even a generator deserves time to rest.

The big question: who exactly is Tinubu afraid of?

The President commands: The power of incumbency, Federal resources, over 30 aligned governors, The National Assembly, Strategic appointments, Security agencies, and Nationwide party structures.

Add the vocal defenders: Bayo Onanuga, Daniel Bwala, Seyi Tinubu, Godswill Akpabio, Reno Omokri, Femi Fani-Kayode, Chief Priest, MC Oluomo, the Iyaloja network, political influencers, media allies, strategists, content creators, and even that your uncle quarrelling on WhatsApp every morning.

Yet, everyone behaves as if one man with a microphone somewhere is about to topple the government. Why?

Now listen and listen very carefully. The Mirror is the Real Opposition 

Perhaps the government is staring in the wrong direction. Peter Obi and Atiku are not the threat. Their supporters can rally, grant interviews, trend hashtags, and make videos, that is democracy. But none of them will decide Tinubu’s fate in 2027.

The real deciders are the trader in Ariaria, the mechanic in Kaduna, the teacher in Osogbo, the banker in Lagos, the farmer in Benue, the civil servant in Enugu, the unemployed graduate in Kano.

When these people begin to say, “Yes, life is genuinely getting better,” the campaign is already won. Until then, every billboard is mere decoration.

Do you know that even Lagos is trying to tell us something? Supporters love pointing to Tinubu’s Lagos legacy. Fair enough, the city has grown remarkably. But politics has a long and stubborn memory.

If Lagosians were completely satisfied after decades of dominance, elections there would not be growing more competitive. But they are not. That should be a loud signal.  The last presidential result in Lagos says it all.

Nigeria is thirty times more complex than Lagos. If your own political fortress is becoming contested despite years of control, perhaps the answer is not to shout louder. Perhaps, it is to govern better.

Always remember-good governance is the Best Campaign Director.

Some assume that Tinubu’s perceived political experience guarantees victory. Politics does not work that way. Experience only wins when it delivers visible outcomes.

People are not demanding perfection. They are asking for evidence, reasons to believe that tomorrow will be better than today. That is not too much to ask.

My friendly piece of advice to reflect on. Ironically, Peter Obi and Atiku Abubakar may be doing this government a greater service than some of its loudest supporters. They keep reminding it that Nigerians are watching.

Opposition is not the disease. It is often the thermometer. Smashing the thermometer has never cured a fever.

Mr. President still has time, more than enough. 

If governance becomes more visible than propaganda… If performance begins speaking louder than spokespersons…If ordinary Nigerians start feeling genuine relief…Then 2027 may prove far easier than many now fear.

But if the administration continues treating every challenge as though it wears Obi or Atiku’s face, it may one day wake up to discover its real opponent had no political party. It was simply public opinion. And public opinion, unlike politicians, cannot be negotiated with.

As we say in Nigeria: “Na person wey wear shoe know where e dey pinch.” 

The people know exactly where Nigeria is pinching them. The sooner government listens to that pain instead of arguing with those describing it, the better its chances, not just at the next election, but in crafting a legacy that outlives elections.

A word, they say, is enough for the wise.

  • Braimah is an advocate for good governance and sustainable progress.

 

NHIA: 22m Nigerians Embrace Mandatory Health Insurance as Momentum Rises

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The National Health Insurance Authority (NHIA) has announced significant progress in Nigeria’s journey towards Universal Health Coverage (UHC), with health insurance enrolment rising to over 22 million Nigerians as the implementation of mandatory health insurance accelerates across the country.

Speaking at the Annual General Meeting of the Nigerian Association of Insurance and Pension Editors (NAIPE) in Lagos, the Director-General of NHIA, Dr. Kelechi Ohiri, said the Authority had moved beyond policy formulation to delivering measurable improvements in healthcare access, service quality and consumer protection, in line with the Federal Government’s health sector reform agenda.

Describing implementation as the defining challenge of the current phase of reforms, Ohiri said: “Nigeria has the policy. Nigeria has the legislation. The decisive variable is now implementation — consistent, rigorous and accountable execution that converts political commitment into healthcare access for real Nigerians.”

He added that the progress recorded so far demonstrated that sustained collaboration among the Federal Government, states, healthcare providers, Health Maintenance Organisations (HMOs), employers and development partners was beginning to translate reform into tangible results for citizens.

According to him, the number of Nigerians covered by health insurance has climbed to 22.03 million, representing a 35 per cent year-on-year increase, driven by stronger partnerships with State Social Health Insurance Agencies (SSHIAs), wider engagement with Ministries, Departments and Agencies (MDAs), organised labour, employers and the private sector, as well as the gradual implementation of the mandatory health insurance provisions of the NHIA Act.

He explained that the transformation of the former National Health Insurance Scheme (NHIS) into the NHIA represented a fundamental institutional reform that has strengthened regulation, consumer protection, accountability and strategic purchasing, while providing the legal and operational framework required to achieve Universal Health Coverage.

Ohiri said improving the experience of enrollees remained central to the Authority’s reform agenda. He disclosed that NHIA had strengthened its complaints management system, introduced faster resolution timelines, intensified compliance monitoring of HMOs and healthcare providers, and enforced sanctions where standards were breached.

So far, 3,878 complaints have been resolved, representing an 87 per cent resolution rate, with 95 per cent concluded within prescribed timelines, over ₦14.2 million refunded to enrollees, and non-compliant facilities sanctioned.

He added that the Authority had also introduced service standards, including the one-hour treatment commencement expectation for enrollees requiring urgent care, to ensure that health insurance translates into timely, quality care.

The NHIA boss also highlighted major reforms designed to improve service delivery by healthcare providers. These include a 93 per cent increase in capitation payments and a 378 per cent increase in fee-for-service reimbursements, measures he said were enabling providers to invest in personnel, equipment and infrastructure while delivering better care to patients.

He added that 7,592 healthcare facilities had so far been assessed under the SafeCare quality framework as part of efforts to institutionalise continuous quality improvement nationwide.

He further highlighted targeted interventions for vulnerable groups, including support for over 48,500 pregnant women, expanded maternal and newborn healthcare, the Vulnerable Group Fund and enhanced attention to pensioners and retirees, stressing that Universal Health Coverage can only succeed if it reaches every Nigerian, regardless of income or location.

Ohiri said the Authority’s reforms align closely with President Bola Ahmed Tinubu’s Renewed Hope Agenda, which places strong emphasis on social protection and expanded access to quality healthcare, as well as the health sector-wide reforms being coordinated by the Co-ordinating Minister of Health and Social Welfare, Professor Muhammad Ali Pate.

While acknowledging that much work remains, he said the progress already recorded provides a strong foundation for achieving Universal Health Coverage through sustained implementation, accountability and public trust.

 

Warrior Mums Global to Host Inaugural Warrior Mums Conference 2026 in Lagos

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  • Empowering Mothers to Raise Leaders, Nation Builders and World Changers

Warrior Mums Global, a growing international community committed to equipping mothers for intentional parenting and generational impact, is set to host the inaugural edition of the Warrior Mums Conference 2026 on Saturday, July 18, 2026, 9:30am at The Dome, 1 Freedom Way, Off Admiralty Way, Lekki Phase 1, Lagos, Nigeria.

Founded in 2019 by family and holistic life coach, counselor, and leadership consultant Sola Oguche-Agudah, Warrior Mums Global was established with a clear mission: to equip mothers to raise children who become ethical leaders, nation builders, and world changers.

Over the years, the community has grown into a vibrant network of mothers across Africa, North America, Europe, and beyond, providing mentorship, discipleship, educational resources, prayer support, and community engagement opportunities.

The conference, themed “Lionesses Arise: Guarding the Pride, Raising Kings,” is designed to inspire, equip, and mobilise mothers to embrace their critical role in shaping future generations. The event will bring together mothers, caregivers, family advocates, ministry leaders, educators, and parenting enthusiasts for a transformative day of learning, networking, worship, and prayer.

According to the Convener, Sola Oguche-Agudah, the conference represents more than an event.

“We believe motherhood is one of the most powerful leadership assignments on earth. The Warrior Mums Conference is a call for mothers to rise intentionally, embrace their influence, and raise children who will positively shape families, communities, nations, and the world.”

The conference will feature distinguished speakers and thought leaders including:

Bola Balogun, Founder and CEO of Glam Brand Agency, communications strategist, and family advocate.

Debola Deji-Kurunmi (DDK), bestselling author, transformational coach, and globally recognised leadership expert, Sola Oguche-Agudah, Convener of Warrior Mums Global and Family & Holistic Life Coach.

Participants can expect practical parenting insights, leadership development strategies, faith-based guidance, personal growth opportunities, meaningful networking, and powerful prayer sessions designed to strengthen mothers in their unique assignments. Attendees will leave with actionable tools for raising purpose-driven children while building stronger families and communities.

The conference will be held in a hybrid format, allowing both physical and virtual participation, with an expected audience of hundreds of mothers and thousands more reached through digital platforms and media engagement.

Warrior Mums Global is proud to partner with organizations and brands that share its commitment to family development, child nurturing, leadership formation, and nation-building.

The conference welcomes sponsors and strategic partners whose support helps advance its mission of empowering mothers and strengthening families.

Organisations interested in sponsorship or partnership opportunities are encouraged to connect with the Warrior Mums Global team to explore mutually beneficial collaborations.

 

About Warrior Mums Global

Warrior Mums Global is a discipleship and formation community dedicated to raising Christ-centered children by building Christ-conscious mothers.

Through mentoring, educational programs, faith-based resources, and community engagement, Warrior Mums equips women to intentionally raise future leaders, nation builders, and world changers.

 

 

NLNG Wins Operational Excellence Award at NOG Energy Week 2026

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NLNG Managing Director, Adeleye Falade (centre), flanked by Deputy Managing Director, Olakunle A. Osobu and General Manager, External Relations and Sustainable Development, Sophia Horsfall, pose with the Operational Excellence Award plaque presented to NLNG at the 2026 NOG Energy Week Energy Awards.

Nigeria LNG Limited (NLNG) has been honoured with the Energy Awards 2026 Operational Excellence Award at the 25th anniversary edition of NOG Energy Week, reaffirming the company’s commitment to safe, reliable and efficient operations which continue to set benchmarks across Nigeria’s energy industry.

The award recognises organisations that demonstrate outstanding operational performance through process optimisation, enhanced reliability, improved efficiency, cost effectiveness and sustainable business practices.

Presented during the 2026 NOG Energy Week, held from July 5 to 9, 2026, at the Bola Ahmed Tinubu International Conference Centre, Abuja, the recognition came at one of Africa’s premier energy gatherings, which brought together policymakers, regulators, industry leaders, investors and technology providers to shape the future of Nigeria’s energy sector.

NLNG maintained a strong presence throughout the conference and exhibition, participating in strategic discussions and engaging stakeholders on key industry priorities, including gas development, operational excellence, sustainability, innovation and Nigeria’s role in strengthening global energy security.

The company’s participation reflected its continued commitment to fostering collaboration and advancing solutions that support a resilient, competitive and sustainable energy industry.

The Energy Awards 2026 Operational Excellence Award underscores NLNG’s sustained focus on operational discipline, world-class asset management and a culture of safety, continuous improvement and value creation.

It also recognises the dedication and professionalism of the company’s workforce, whose commitment to excellence has enabled NLNG to consistently deliver reliable LNG to global markets while supporting domestic gas utilisation and contributing significantly to Nigeria’s economic development through local content, revenue generation and strategic investments.

As NLNG advances its strategic growth initiatives, including the Train 7 Project, the recognition further reinforces the company’s resolve to remain a leading global LNG company helping to build a better Nigeria.

Through operational excellence, innovation and responsible business practices, NLNG continues to support Nigeria’s aspiration to harness its abundant natural gas resources for economic growth, industrialisation and a sustainable energy future.

The 2026 NOG Energy Week also highlighted the critical role of collaboration, innovation and investment in unlocking Africa’s energy potential, making NLNG’s latest achievement another significant milestone in its journey of delivering lasting value to stakeholders and the broader energy industry.

 

 

 

Polo Avenue Invites Lagos to Its Exclusive 2026 Sample Sale

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Polo Avenue, Nigeria’s premier luxury fashion destination, is set to host its highly anticipated 2026 Sample Sale, offering discerning shoppers an exclusive opportunity to discover exceptional luxury fashion at remarkable prices.

Taking place from 11th – 25th July 2026 at 59, Raymond Njoku Street, Ikoyi, Lagos, the two-week shopping experience will feature a carefully curated selection of ready-to-wear, handbags, shoes and accessories from some of the world’s most coveted luxury maisons, including Dolce & Gabbana, Bottega Veneta, Casablanca, and more, with up to 70% off selected pieces.

Designed as more than a seasonal sale, the Polo Avenue Sample Sale offers clients the opportunity to experience luxury retail in an elegant setting while discovering iconic pieces from globally renowned fashion houses.

Whether refreshing a wardrobe or investing in timeless statement pieces, visitors can expect exceptional value without compromising on quality, craftsmanship or style.

Open daily from 11:00 a.m. to 7:00 p.m., the Sample Sale will showcase limited quantities across multiple luxury categories, with new discoveries awaiting clients throughout the event.

With exceptional pieces available in limited quantities, early visits are strongly encouraged to enjoy the widest selection before they are gone.

Clients are also invited to follow Polo Avenue’s social media platforms for exclusive previews, product highlights and updates throughout the two-week shopping experience.

About Polo Avenue

Polo Avenue is Nigeria’s premier luxury fashion destination, curating an exceptional portfolio of the world’s leading fashion houses for discerning clients.

Renowned for its commitment to craftsmanship, exclusivity and elevated client experiences, Polo Avenue continues to redefine luxury retail through thoughtfully curated collections and world-class service.

 

 

Rethinking How Nigeria Supports SME Growth

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By Olajumoke Bello

Head, Enterprise Banking

Stanbic IBTC Bank

Across Nigeria, small and medium enterprises remain the backbone of economic activity. They drive trade, create jobs, and sustain millions of livelihoods. Yet, despite their importance, many SMEs continue to operate below their full potential due to persistent structural challenges.

Access to finance remains one of the most cited constraints. However, the issue today goes beyond availability of capital. Many businesses struggle with financial readiness, weak documentation, and limited understanding of what lenders require. This often leads to missed opportunities, even when funding options exist.

At the same time, SMEs face gaps in market access and visibility. Business owners operate in highly localised environments, with limited exposure to broader networks that can unlock partnerships, new markets, and growth opportunities. This isolation can constrain scalability and reduce long-term competitiveness.

Equally important is the capability gap. Many entrepreneurs grow through resilience and experience but lack structured knowledge on critical areas such as financial management, export readiness, and digital adoption. Without this, even well-capitalised businesses can struggle to sustain growth.

These challenges point to a clear need for a more practical and integrated approach to SME support. It is no longer sufficient to offer standalone solutions. SMEs require ecosystems that combine knowledge, access, and direct engagement in ways that reflect how they actually operate.

A key shift is the move from centralised interventions to localised engagement. SMEs are deeply influenced by their immediate environments, whether markets, industrial clusters, or trade corridors. Solutions must therefore be brought closer to where these businesses function, allowing for more relevant support and stronger relationships.

Another important shift is from awareness to action. Business owners do not only need information; they need insights that they can apply immediately. This includes understanding how to structure their finances, how to access trade opportunities, and how to connect with the right partners to scale their operations.

There is also a growing need for continuity. Many SME-focused initiatives deliver strong initial impact but lack follow-through. For support to be effective, it must extend beyond one-off engagements into sustained relationships, with clear pathways for onboarding, advisory, and growth.

For financial institutions, this presents both responsibility and an opportunity. Supporting SMEs now requires moving beyond transactional banking to deeper partnership models. It requires understanding businesses at a granular level and co-creating solutions that evolve with their needs.

At Stanbic IBTC, this perspective continues to shape our approach to SME development. Our focus is on delivering practical support that translates into real business outcomes, helping enterprises grow, compete, and contribute more meaningfully to the economy.

As part of this commitment, we are extending our SME engagement to the regions through the Nigeria Business Summit Regional Tour. The tour will take structured, on-ground activations into key commercial hubs, where SMEs can access funding guidance, trade insights, advisory support, and direct engagement with financial experts.

The regional tour will take place across five strategic locations, bringing these solutions closer to business owners in Aba, Onitsha, Ibadan and Kano.

This approach reflects an important principle. When support moves closer to businesses, and when solutions are delivered in ways that are practical and continuous, SMEs are better positioned to grow sustainably. In turn, this strengthens not only individual enterprises but the broader economy.

Customers Applaud Mutual Benefits as Insurer Pays Over ₦3.9bn in Claims

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Mutual Benefits Assurance Plc has reaffirmed its unwavering commitment to policyholders with the payment of over ₦3.9 billion in claims across its Life and General Insurance businesses in June 2026, underscoring the company’s financial strength and dedication to standing by customers when they need support the most.

The claims, paid to individuals, families and businesses across the country, reflect Mutual Benefits’ longstanding tradition of honouring valid claims promptly, while providing customers with the financial support needed to recover from unexpected losses and continue pursuing their personal and business aspirations with confidence.

Beyond the figures, the impact of timely claims settlement is best reflected in the experiences of customers whose lives and businesses have been positively affected.

One policyholder whose motor insurance claim was recently settled expressed appreciation for the company’s professionalism and efficiency, stating:

“Reliable company. I appreciate your attention to details. Thank you for your excellent services and very quick response to claims. Thank you very much. I really appreciate.”

Another customer whose Goods in Transit claim under the company’s General Accident Insurance policy was recently settled also commended Mutual Benefit’s professionalism and responsiveness, saying:

“I sincerely appreciate the prompt attention given to my claim. The process was smooth, transparent and handled with a high level of professionalism. Thank you, Mutual Benefits, for standing by your promise and settling my claim without unnecessary delays.”

Such testimonials reflect the company’s customer-centric approach and its ongoing commitment to delivering a seamless claims experience built on transparency, responsiveness and empathy.

Commenting on the development, the Executive Director, Technical, Mutual Benefits Assurance Plc, Mr. Joseph Oladokun, reaffirmed the company’s firm commitment to prompt and seamless claims settlement, noting that claims payment remains the ultimate proof of an insurer’s promise to its customers.

“At Mutual Benefits, we understand that the true value of insurance is demonstrated at the point of claim. This is why we have continued to strengthen our claims management processes to ensure valid claims are assessed and settled promptly, transparently and professionally.

The payment of over 3.9 billion in claims in June reflects not only our financial capacity but also our commitment to delivering a swift turnaround time that enables our customers to recover quickly from unexpected losses. Every claim we settle represents a promise fulfilled and we remain focused on making the claims experience as seamless and reassuring as possible. Our goal is to give every policyholder confidence that when the unexpected happens, Mutual Benefits will respond with the speed, empathy and professionalism they deserve.”

Equally important, the company noted that prompt claims settlement remains one of the strongest indicators of an insurer’s credibility and financial capacity. By consistently honouring valid claims, Mutual Benefits continues to reinforce confidence in insurance as a dependable financial protection tool, while contributing to the growth and sustainability of Nigeria’s insurance industry.

As Mutual Benefits continues to deepen insurance penetration across Nigeria, the company remains focused on delivering innovative insurance solutions, exceptional customer service and prompt claims settlement that provide individuals and businesses with the confidence to protect what matters most.

With over three decades of industry experience, Mutual Benefits Assurance Plc remains one of Nigeria’s leading insurance companies, providing comprehensive Life and General Insurance solutions designed to protect lives, assets, businesses and futures, while creating lasting value for all stakeholders.