Business
THE SIX TYPES OF CERTIFICATES OF OCCUPANCY YOU SHOULD KNOW ABOUT BY DENNIS ISONG
THE SIX TYPES OF CERTIFICATES OF OCCUPANCY YOU SHOULD KNOW ABOUT BY DENNIS ISONG
Sahara Weekly Reports That There’s so much wrong information out there. Beware! Don’t just believe everything. Not everything you see out there is correct. The fact is this, there are different types of occupancy but people know only one type which is the one that last for 99 years.
A Certificate of Occupancy is a certificate given to a land that shows that you are the rightful owner of that land.
DIFFERENT TYPES OF CERTIFICATES OF OCCUPANCY
Let me first make reference to the most popular one which we know.
- RESIDENTIAL CERTIFICATE OF OCCUPANCY
This particular one is the one you have when you buy a land. You can actually use this certificate to obtain a loan. It can last for the time frame of 99 years and you can do it in your name which is unique. It is also known as Individual Certificate of Occupancy.
Certificates of Occupancy have different categories which depend on the individual or organization.
- AGRICULTURAL CERTIFICATE OF OCCUPANCY
This is for those that want to go into farming. These people intend to use their land just for farming.
For example, in Ikorodu, most lands in Epe are zoned under Agric zone. So, even though the land has what we call Free Hold, however, when you check it, it falls under Agric zone. If you want to process that in the future, it can be changed to residential. But for now, most land in Ikorodu falls under the Agric zone. The tenure for Agric Certificate of Occupancy is 25 to 28 years.
- INDUSTRIAL CERTIFICATE OF OCCUPANCY
This type is given to industry, for example, Dangote. The kind of certificate Dangote has in Ibeju-Lekki Lagos is Industrial Certificate of Occupancy. And if you observe, for you to get this kind of Certificate of Occupancy, the place where you get your land will be in extreme part of the state where we have less population in order to restrict pollution.
The kind of Certificate of Occupancy that will be given to you in that area, will be Industrial certificate of occupancy. It can be given to a company, not an individual. The tenure is 35 years.
- FAMILY CERTIFICATE OF OCCUPANCY
If you are familiar with Lagos terrain, you would notice that there are some families that have certificates of occupancy in their name- Family certificate of occupancy.
This doesn’t have a tenure. Before a family can have that Certificate of Occupancy, it means the government gave them based on their reputation
- GOVERNMENT ALLOCATION
If you pay attention, you would have come across lands that have government allocation. Each government allocation will always lead to C of O. That is also a type of C of O because each will lead to C of O.
Allocation can be given to a company, or to ministry, a reputable person, or foreign investors. If you come into the country to invest, the government can allocate land to you instead of buying from individuals.
- EXCISION
Excision is a type of Certificate of Occupancy given to a village.
It’s also a type of C of O. When a land has excision, you cannot have two types of Certificates of Occupancy on that land.
The next type of title you can process for that land is the Governor’s consent. But before you can process the Governor’s Consent, the land has to be gazetted.
WHAT IS A GAZETTE?
A gazette is the legal newspaper of a country or a state , which publishes the text of new laws, treaties,regulations,court decisions,legal notices and decrees.
When an excision land is published, it is what we call gazetted Land . It is after that you can upgrade it to a Governor’s consent, not a C of O.
Excision is a type of C of O given to a village, i.e., can ONLY be given to a village.
In summary, for residential C Of O , it can be given to an individual or Company. Agricultural C of O can also be given to an individual or a company. Industrial is given to a company. Family Certificate of Occupancy is given to a family only if the family is reputable. Government allocation can be given to an investor, a company or an individual depending on a purpose. You can appeal to the government for this. Excision can never be given to an individual but a village. When you buy a land with excision, the first thing to do is, that land is gazzetted, then you proceed to make it have what we call Governor’s consent. Excision on its own is a valid title by the government which is also a certificate of occupancy that doesn’t have a tenure. You can go ahead and process that certificate of occupancy to the Governor’s consent.
Dennis Isong Helps Nigerians in Diaspora to Own Property In Lagos Nigeria STRESS-FREE. For Questions WhatsApp/Call 2348164741041
Business
WFA APPOINTS GLOBAL BRAND EXECUTIVES TO EXPANDED LEADERSHIP COMMITTEE
WFA APPOINTS GLOBAL BRAND EXECUTIVES TO EXPANDED LEADERSHIP COMMITTEE
STOCKHOLM — The World Federation of Advertisers (WFA) has announced the appointment of senior executives from leading global brands to its Executive Committee, in a move aimed at strengthening its global influence and industry coordination.
The appointments were unveiled during the WFA Global Marketer Week held in Stockholm.
The new members, drawn from top multinational corporations, include executives from Driscoll’s, Haleon, IKEA and Nissan. They join an already influential body comprising marketing and corporate affairs leaders from major companies such as Best Buy, Danone, Diageo, Grab, Kenvue and Tata Group.
Also joining the Executive Committee are representatives of key advertiser bodies, including Josh Faulks, Chief Executive Officer of the Australian Association of National Advertisers; Simon Michaelides, Director General of the Incorporated Society of British Advertisers; and O’tega Ogra, Vice President of the Advertisers Association of Nigeria and Senior Special Assistant to the President of Nigeria on Digital Communications, Engagement and New Media Strategy.
WFA President David Wheldon and Deputy President Philip Myers of Ferrero will continue in their roles, alongside all regional vice presidents.
The newly appointed members are:
Jiunn Shih, Global Chief Marketing Officer, Driscoll’s
Silas-Lewis Meilus, Global Head of Media Operations, Haleon
Joel Renkema, Global Head of Insights, IKEA
José Román, Corporate Executive, Global Sales and Marketing, Nissan
Josh Faulks, CEO, AANA
Simon Michaelides, Director General, ISBA
O’tega Ogra, Vice President, ADVAN
Industry observers say the expanded committee reflects WFA’s commitment to deeper global collaboration and stronger representation across regions and sectors within the marketing and advertising ecosystem.
Business
FORENSIC INVESTIGATION REVEALS FABRICATED X ACCOUNT TARGETING INEC CHAIRMAN – CPS
FORENSIC INVESTIGATION REVEALS FABRICATED X ACCOUNT TARGETING INEC CHAIRMAN – CPS
The Chief Press Secretary (CPS) to the Chairman of the Independent National Electoral Commission (INEC), Mr. Adedayo Oketola, has said that a purported X (formerly Twitter) account attributed to the Commission’s Chairman, Prof. Joash Ojo Amupitan, SAN, is fake and part of a coordinated disinformation campaign.
In a public statement issued on Monday in Abuja, Mr. Oketola disclosed that a comprehensive, multi-layered forensic investigation conducted by independent cybersecurity experts has conclusively established that the INEC Chairman does not operate any personal X account.
He said, “The Independent National Electoral Commission (INEC) , committed to a full forensic investigation, commissioned an independent forensic cybersecurity expert, who conducted a multi-layered forensic and digital investigation using X platform data, internet archive records, OSINT tools, identity forensics and cross-platform analysis.”
Oketola stressed that all posts, replies, and screenshots linking him to the handle @joashamupitan are fraudulent, forensically unverifiable, and technically impossible.
The controversy began on April 10, 2026, when viral social media posts alleged that the Chairman made a partisan comment — “Victory is sure” — in response to another user, supported by screenshots and purported digital records.
However, the CPS said the forensic investigation uncovered clear evidence of fabrication and impersonation, highlighting the following key findings:
· No Digital Linkage: There is no connection between the disputed X account and Prof. Amupitan’s verified email addresses or phone numbers, as multiple recovery and verification attempts failed to establish any link.
· False BVN/OPay Claims: Data used to suggest ownership of the account only confirms identity and does not establish control of any social media handle, making such claims a logical fallacy.
· Timestamp Manipulation: The alleged reply “Victory is sure” was posted 13 minutes before the original tweet it responded to—an occurrence that is technically impossible and definitive proof of fabrication.
· No Historical Record: Searches on the Internet Archive’s Wayback Machine showed zero evidence of the account or its alleged activity prior to April 2026.
· Non-Existence on X Platform: Live checks confirmed that the alleged reply does not exist and has never existed on the platform.
· Account Renaming Pattern: On the same day the screenshots went viral, the account was renamed @sundayvibe00, set to private, and labelled a “parody account,” indicating deliberate impersonation and damage control.
· Coordinated Multi-Platform Impersonation: At least seven fake accounts across Facebook and Instagram using the Chairman’s identity were identified, pointing to a sustained disinformation effort.
“The forensic evidence is comprehensive, multi-sourced, and unambiguous. The posts attributed to Prof. Joash Ojo Amupitan on X are fabricated. The account is a clear case of impersonation,” Mr. Oketola said.
Quoting one of the independent investigators, he described the development as “a coordinated digital impersonation and disinformation campaign,” warning that advances in artificial intelligence had made it easier to fabricate misleading content.
He urged the public to avoid sharing unverified information, noting that “the fact that content goes viral does not make it authentic,” and called on media organisations to prioritise accuracy over speed.
Mr. Oketola said the independent forensic report had been referred to the law enforcement agencies for necessary action. He also appealed to law enforcement agencies to investigate the origin of the fake account and prosecute those responsible under the Cybercrimes (Prohibition, Prevention, etc.) Act.
He said, “Media organisations, in particular, have a duty to apply strict forensic verification standards to social media posts and screenshots before publishing them, especially when such content implicates public officials or carries serious consequences for public trust and institutional credibility. Accuracy, not speed, must guide reporting in matters of this nature.”
He reiterated that all official communications from INEC are disseminated exclusively through its verified platforms, including its website (www.inecnigeria.org), verified X account (@inecnigeria), official Facebook page, online news portal (www.inecnews.com), formal press statements from its headquarters in Abuja, and official media briefings. Any account purporting to represent the INEC Chairman in a personal capacity, he said, should be treated as fraudulent unless formally verified by the Commission.
Business
How FirstBank is investing in Its People and Building Future Leaders
How FirstBank is investing in Its People and Building Future Leaders
For an average 9-5er, having a job isn’t enough. You want a career that grows with you, gives you stability, and opens doors to bigger opportunities. People everywhere are looking for workplaces that don’t just pay salaries but actually invest in their staff, helping them learn, lead, and succeed.
That’s exactly what FirstBank is doing. The Bank is building a future where every employee has the opportunity to grow, lead, and thrive. Through its human capital management and development agenda, FirstBank is creating numerous pathways for staff to transform their careers and become tomorrow’s leaders.
Conversion Programme: Turning Opportunities Into Careers
Needless to say that there is no desire for the 9-5er to remain in a temporary role when they can secure a full-time career. With FirstBank’s Conversion Programme, eligible non-core employees who have served for at least one year can transition into permanent positions. This initiative ensures that hardworking staff are rewarded with stability, growth, and the chance to contribute more meaningfully to the Bank’s success.
Leadership Programmes: Grooming the Next Generation
FirstBank has designed three flagship programmes to identify and nurture high-potential talents:
- FirstBank Management Associate Programme (FMAP): A 24-month fast-track initiative that grooms future middle managers. Upon completion, participants are promoted to Assistant Manager grade, regardless of their previous grade.
- Leadership Acceleration Programme (LAP): Focused on preparing internal middle-management talents for leadership responsibilities, ensuring the Bank’s succession pipeline remains strong.
- Senior Management Development Programme (SMDP): A programme for senior managers who are proven leaders in their functions and critical to the Bank’s succession plan.
These programmes are not just training—they are career accelerators, designed to put staff on the fast lane to leadership.
FirstAcademy: Learning With Global Standards
Backing these initiatives is FirstAcademy, FirstBank’s corporate university, accredited by the Chartered Institute of Bankers of Nigeria (CIBN).
Staff also benefit from partnerships with institutions like Rome Business School and Association of Chartered Certified Accountants (ACCA), gaining access to world-class training—often at discounted rates
A Workplace That Values People
FirstBank’s parent company, First HoldCo PLC, was named second in the Best Workplaces in Financial Services in Nigeria. The Bank remains firmly committed to responsible employment practices, ensuring that all colleagues are treated with dignity, fairness, and respect.
The Future Is Human
With these initiatives, FirstBank is showing that its greatest investment is its people. By empowering staff through various growth opportunities, the Bank is not just building a workforce, it is cultivating leaders who will shape the future of banking in Nigeria and beyond.
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