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‘I have the Best husband in the world, He is my Engine room’ – Zonal PPRO, Dolapo Badmus

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Public Relations Officer, responds to questions on pertinent issues regarding her profession. She also shares her passion for the job, humanity and she tells us what people might not know about her when not in uniform. She speaks to the Editor, FOLORUNSHO HAMSAT, in this interview conducted Excerpt…

In law enforcement, women seem to have advanced far beyond the days they were considered as matrons. How would you describe the transformation?

That’s a very funny question, though you forgot to also put “teachers” . Well, you will agree with me that the transformation is not only in law enforcement unit alone, we now have female doctors, engineers etc. and they are doing well. The only reason why that of law enforcement seems spectacular is because it’s a profession generally believed to be male dominated and it’s considered a duty basically for men but I will want to say that the transformation we are witnessing today is because some women I considered “courageous” decided to explore the “world” of men.
Was it your childhood dream to be in the police?
Well, I never thought of being a police officer while I was growing up. I always think I will grow up to be a medical doctor, saving lives and be a care giver but as faith will have it, I became a police officer still caring and saving lives because policing is all about protecting lives, ensuring there is no oppression.
Being a woman in law enforcement is not easy. It remains a predominantly male profession that does not easily accept them because it is believed that women possess inherent physical and emotional weaknesses. But you are very lucky to find yourself at the top and doing well too. How did it happen in your career, I mean the success?
Like I said earlier on the profession, it is believed to be and I will agree is predominantly male profession and for a woman to attain the height I am today, first I will say it could only be God, He gave me the physical strength needed, at times, I ask myself “Dolapo from where are you getting  this strength?” And the other thing is basically while we were in Academy undergoing  training, part of the things we were taught and I ensured it stuck to my brain was “A police officer should never be controlled by emotion” for you to be successful in this job, you won’t let emotions override you rather you should be compassionate. If you allow emotion, then you are bound to fail, at times you arrest a suspect and then he starts feigning ignorance up to the extent of crying and wailing and if you are not careful, you might want to believe that someone crying and wailing like this should be ignorant, at this point emotions sets in and you might want to set the suspect free which invariably might not be healthy for the society but when you are compassionate, you will only treat the suspect with caution,  ensuring his rights are respected while you carry on your investigation with utmost sense of professionalism. At the end, you might discover evidences and exhibits that show he’s even the kingpin in the crime. If you have allowed emotion to override you, then you have failed. Let me quickly add that in any chosen career not only the police, passion and dedication are the keys. I want to believe my passion for the job backed with great sense of dedication has helped me this far.
We’ve interacted with some policewomen and we found out that the police academies are also places where female recruits learn a lot; from trainers allegedly being hard on them, to alleged sexual harassment, to having to deal with female competitors, and so on. Would you like to honestly share your experience at the academy level?

Ok. Now, let me tell you the difference when you talk about police academies that is where senior cadres are trained, we call those ones CADET while recruits go to police colleges which is  for lower cadres. We have only one academy in the whole federation while we have like five or six colleges in Nigeria. So tell me how do you want to harass a senior cadre officer sexually?  Someone that has been to the university? That knows her left from her right?  I can’t see that happen in Academy? Never! Meanwhile, in the college which is for the recruits, the trainers know that these are low cadre officers which you should not unduly take advantage of,  the force does not permit it, because the system understands they are naïve, so if you are caught taking advantage of them, it’s outright dismissal so who wants to take such risk? Such things do not occur because there is even a rule that if You go through such and didn’t report, you are even liable.
Concerning the issue of trainers being hard on trainees, it’s normal, you don’t expect them to be too familiar with us. In fact, most of the ones that trained us are our juniors but you need to see how we fear them but after passing out parade, they were the first set to pay us compliment but up till today, most of us still call them oga. So it’s not a big deal for instructors to be perceived as tough people. Let me also state here that there is no competition in life, the world is full of various tracks where each individual runs his/her race. I don’t want to be anyone else. The farthest I could go is to choose who I want to emulate or seek strength from and that is permitted; it’s called “role model “. Academy to me was full of ups and down, low moments and high points but it’s a training ground, it toughens me. My experience at Academy makes me know that I can be responsible for other people’s misdeeds which awakens the team spirit in me, you watch your team mates back but funny enough when you jointly ask for a favour, they will tell you there is no “we” in police; there and then you get confused but what I deduced from that is when you ask as a group, it becomes sort of revolution and revolution is felony. The force wants to guide against that but they encourage team work because you can only succeed as a team not individually.
Women solve problems with brains rather than with muscles, as they say. What are the qualities that you think won you the hearts of your equals and superiors’ equals?

This is me, I’m my normal self, I don’t think there is anything extra ordinary about me. But I think my superiors will be in the best position to answer the question but like I told you earlier, I love my job, I do it with passion and I’m dedicated to it. So if that is what makes me win their hearts, I won’t know.
What are your fears about the job you do?
Sincerely, there is no fear, maybe it’s because I believe in life there is nothing to be afraid off. There are three things that govern life; your trust in God, hardwork and destiny. I stand on this tripod and with that, no shaking.
Did it ever get to a point that you felt like quitting?
I agree there were low moments but that does not mean I should quit, have you heard about the phrase “there is light at the end of a tunnel”? Those low moments represent the tunnel period, so when I know there is light at the end, why should I quit? Winners don’t quit. There is a goal I set my eyes on and if I’m not there yet, why should I get discouraged?
Please, share your successes in your brief tenure as Divisional Police Officer of Isokoko?
Yes, the success recorded at Isokoko is as a result of embracing the concept of community policing. I tag it “policing of the people by the people and for the people” did you get that? The communities are their own police, they see us as partners in progress, we do periodical meeting, we decide policing priorities for them, you know they know each other in the community, so when they see a stranger, they place a tab and even challenge him or her when they are not comfortable with such person and when there are difficulties, they call on police and spontaneously we react and by that, the area remains peaceful. Agege people are fantastic; they even have what we call Voluntary Policing Sector. So that is their own native police, they wake up at night to do neighbourhood watch and patrol in conjunction with police so whenever any stranger is accosted, they easily recognize if such person is their own or not? About the police angle, I ensure our personnel in that division imbibe the spirit of community policing although most policemen do not like the idea of community policing because it’s not lucrative (you know what I mean?)  Because under community policing, we ensure bail is totally free, because we have synergy with members of the public and on the other hand, there is reduction in crime because everyone in the community has no choice than to behave responsibly.
In other words, I also operate open door policies, I have my phone number written everywhere so the community members have direct access to the DPO and can report conduct of my personnel to me and because the policemen know that members of the public have access to me, they behave as expected. Above it all, I think it’s the grace of God that helped me because basically it’s tough being a DPO. From patrol to traffic duties, operations day and night and then administrative duties.
Tell us about some of the situations that you have encountered in which being a policewoman helped out?

Hmnnnnn! I don’t think I have any of such situations!  But I can just say being a uniformed personnel has made me to rescue family and friends from any form of oppression in the hand of security personnel.
Please, describe in simple terms Dolapo Badmos, the policewoman and Dolapo Badmos the noncombatant lady.
(Smiles) Well, I don’t know how you want to take away non-combatant from a force personnel, once a combatant is always a combatant( laughs) but if your question means who am I away from uniform, I will tell you that I’m a fun loving go-go type,  a down to earth chic (laughing) Dolapo hates oppression and cheating. God first in anything I do. I’m a good wife and wonderful mum. My son calls me yummy mummy (laughter)
Please, share the experiences of being a DPO and being a PPRO.

It’s basically two different assignments; as a DPO you are an operational personnel but as a PPRO, you are viewed as administrative personnel. But I must confess both are taxing.
What’s your definition of success and failure?
Well, in my own opinion, success is having fulfillment and making marks/impact in whatever you do while  Failure means when you are static, refusing to try your hand on anything.
As a top cop, how would you define the link between knowing God and enforcing law?
Knowing God is the stamp you need to enforce law. To enforce law, you need to know God to be above board or else you will misbehave. Knowing God will make you have what is called conscience. If your conscience is dead, you can’t be an upright law enforcer. So you can’t separate the two
How do you find time for leisure, given your tight schedules and the job at home as wife and mother?
It is not easy I must say but with God, I’ve been pulling through. I do steal time for leisure though. You know, basically police job is for 24 hours, so you need to steal time to have fun. As for home front, thank God for my husband, he’s been supportive and understanding.  He urges me on, I have the best husband in the world. I can shout it from the mountain top, and I thank God for the day I decided to marry him. He’s my engine room. He makes my life worth living. Above all, it’s been God.

 

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Zacch Adedeji: And The Revenue Keeps Increasing By Rabiu Usman By Rabiu Usman

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Zacch Adedeji: And The Revenue Keeps Increasing By Rabiu Usman By Rabiu Usman

Zacch Adedeji: And The Revenue Keeps Increasing By Rabiu Usman

By Rabiu Usman

 

It was President Bola Tinubu that declared that in the first half of this year, the revenue of Nigeria soared to over N9.1 trillion, compared to the first half of 2023.

Zacch Adedeji: And The Revenue Keeps Increasing By Rabiu Usman

By Rabiu Usman

For instance, N5.2 Trillion accrued into the Federation Account for the period January to June 2023, while a total of N7.3 Trillion accrued into the account for the period July to December, 2023.

However, for June this year, accruals into the Federation Account rose to N2.483 trillion in June 2024. It was N2.324.792 trillion in May, meaning for the two months of May and June this year alone, about N4.8 trillion accrued into the Federation Account while N5.2 trillion accrued into the account for the first six months of last year.

The President attributed the revenue increase to the government’s efforts in blocking leakages, introducing automation, and mobilizing funding creatively, all without placing an additional burden on the people.

A few days after the President spoke glowingly of the considerable increase in the revenue of the country, a process being powered by the Federal Inland Revenue Service (FIRS), under the Chairmanship of Dr Zacch Adedeji, the Nigeria’s Zaccheus the Tax Collector, the World Bank also confirmed the progress being made in the area of revenue generation.

The World Bank projected that following the recent increase in government revenue, Nigeria’s revenue-to-GDP ratio could rise to over 10.5 percent by the end of 2024.

Ndiamé Diop, World Bank country director for Nigeria shared the forecast during an interactive session on ‘Fiscal Reforms for a More Secure Future’ at the 30th Nigerian Economic Summit, held in Abuja last month.

Also, according to data released in September by the National Bureau of Statistics (NBS), Nigeria’s Value Added Tax (VAT) revenue increased by 99.82% year-over-year in the second quarter of 2024.
During this period, total VAT revenue reached N1.56 trillion, a 9.11% increase compared to the previous quarter.

 

The NBS report highlighted that the revenue growth was driven primarily by local payments, which brought in about $484 million, while foreign payments contributed $242 million. VAT on imports generated $228 million.

However, despite the level of progress already made, the FIRS under Dr Zacch Adedeji is not done yet.

Various innovations are daily being introduced to ensure seamless payment of taxes by Nigerians.

Last week, the Taxpayer Services Department of the FIRS launched the new USSD code *829#, aimed at revolutionizing taxpayer engagement and access to essential tax services.

According to the FIRS, the initiative was aimed at “simplifying tax processes and providing a seamless, efficient service experience.”

With the *829# USSD code, taxpayers can now effortlessly access a range of services, including TIN retrieval, Tax Clearance Certificate (TCC) verification, and general inquiries all from the convenience of their mobile phones and with no need for internet access.

Also, Zacch Adedeji is everywhere, explaining the four tax bills currently before the National Assembly, assuring that it will not reduce the funding or operational efficiency of government agencies.
Last week Wednesday, Adedeji addressed the heads of the National Agency for Science and Engineering Infrastructure (NASENI), the National Information Technology Development Agency (NITDA), and the Tertiary Education Trust Fund (TETFUND) at the Revenue House in Abuja. He allayed concerns surrounding the proposal to rename the FIRS as the Nigeria Revenue Service (NRS), clarifying that the change is intended to streamline and improve agency efficiency.

He said the main goal was to align government revenue practices with current fiscal demands to ensure all agencies are well-funded and effective.

Adedeji further highlighted that the proposed legislation would enable government agencies to concentrate on their core responsibilities without the added task of revenue collection.

“The bills, once enacted, will allow agencies to focus on their primary functions instead of managing tax collection duties,” he explained.

Adedeji, who appears to have taken up the job of an Explainer concerning the new tax bills, further pointed out that the bills were the aftermath of President Tinubu’s administration recognition of the need for a unified tax code to reduce complexity and stimulate economic growth.

Perhaps, by the time this is being read, Dr Zacch Adedeji, will be standing before another audience to explain the ideas behind the new tax bills and their capability to further sore up the revenue base of the country, because for him, the revenue must keep increasing.

Usman, a public affairs commentator lives in Abuja.

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Wema Bank Announces Grand Finale of Hackaholics 5.0: Set to Reward Winners With ₦75 Million Worth of Prizes

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*Wema Bank Announces Grand Finale of Hackaholics 5.0: Set to Reward Winners With ₦75 Million Worth of Prizes

 

 

Wema Bank, Nigeria’s foremost innovative financial institution and pioneer of Africa’s first fully digital bank, ALAT, has announced the grand finale of the 5th edition of its flagship youth and startup-focused tech competition, Hackaholics.

Launched in 2019, Wema Hackaholics is a groundbreaking initiative designed to harness the creativity and entrepreneurial spirit of Nigeria’s youth, providing them with a platform to turn their tech-driven ideas into reality. The highly anticipated Hackaholics 5.0 grand finale will take place on November 27th, 2024, under the theme, “Meta Idea: Capitalizing Africa’s Growth Through Innovation.” This year’s theme aims to showcase how tech-driven solutions can fuel Africa’s development by tapping into the continent’s growth potential through innovation and digital transformation.

The grand finale will bring together the brightest innovators from universities and tech communities across the country. These innovators will pitch their Digi-Tech solutions designed to solve real-world problems and contribute to Africa’s economic and social progress. The event promises to be the culmination of months of intensive competition, collaboration, and mentorship, providing a platform for youth-led tech ideas to reach new heights.

Announcing the date of the grand finale, Moruf Oseni, MD/CEO of Wema Bank, highlighted the bank’s vision for Hackaholics. “Hackaholics is more than a competition; it is a movement to equip Nigeria’s youth with the skills, networks, and resources needed to drive Africa’s digital transformation. The Meta Idea theme for this year is a call to action for young innovators to think beyond the present and design solutions that will capitalize on Africa’s growth. We are excited to see how our participants envision and build the Africa of tomorrow.”

Speaking on the prizes, the MD/CEO said “At the grand finale, participants will compete for exciting cash prizes, grants, and access to Wema Bank’s extensive network of investors, mentors, and industry experts. The total worth of prizes for this year is ₦75,000,000. The winning team will receive ₦30,000,000, the first runner-up will receive ₦20,000,000 and the second runner-up will receive ₦15,000,000 worth of prizes. Additionally, we will be awarding a special grant of ₦10,000,000 worth of prizes to the female-led team to encourage gender diversity in tech innovation.” He concluded.

Wema Bank’s Hackaholics is a testament to the Bank’s commitment to shaping Africa’s future through innovation and entrepreneurship. Hackaholics 5.0 began with a nationwide call for entries earlier in the year and has engaged over 10,000 aspiring tech innovators and entrepreneurs across Nigeria. With 2,297 applications across 8 physical pitch centers and 1 virtual pitch center, 34 innovators across all locations are set to pitch their ideas at the pre-pitch stage ahead of the grand finale scheduled to hold in Lagos.

Through Hackaholics, Wema Bank has provided a platform for youth to channel their creativity and entrepreneurial spirit into actionable tech solutions that address Africa’s most pressing challenges. Over the years, Hackaholics has grown into one of the largest and most influential tech competitions in Nigeria, impacting thousands of young minds.

The competition not only offers winners cash prizes and grants, but also access to mentorship, industry networks, and resources to help scale their innovations globally. This initiative is a key part of Wema Bank’s broader strategy to harness technology as a driver of socio-economic growth in Africa.
Interested individuals can register to attend the grand finale via https://hackaholics.wemabank.com/grandfinale

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ATMs empty as banks ration withdrawals

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ATMs empty as banks ration withdrawals

ATMs empty as banks ration withdrawals

 

The Automated Teller Machines of Deposit Money Banks have consistently remained empty in recent months as banks grapple with a sustained low cash supply.

It was also gathered on Wednesday that some DMBs, particularly in the Federal Capital Territory, have begun another round of cash rationing, restricting maximum over-the-counter withdrawals to a daily limit between N5,000 and N20,000.

While banks struggle to get cash, Point-of-Sales operators have been fulfilling the cash needs of customers.

Speaking at the Facts Behind the Rights Issue Presentation of FBN Holdings at the Nigerian Exchange Limited recently, the Executive Director/Chief Financial Officer of First Bank, Patrick Iyamabo, said that the matter was an industry-wide one and not peculiar to a specific bank.

He said, “It is an industry problem. Most customers after exhausting the options available in other banks, tend to settle at FirstBank to address their cash needs. The challenge differs by location but we know it is a challenge that the regulator is looking into to address. But as we speak of physical cash, we must appreciate that the direction of the industry is to go digital.

“A lot of our customers do most of their transactions digitally, and you heard the GMD speak to this, very often people don’t want to transact in cash. In terms of this new order, your bank, FirstBank is very well positioned so if you look at the statistics and I’m speaking to independent statistics, just pick up your NIBSS report, the bank with the most stable platform meaning availability to always transact digitally is FirstBank. So, all our customers have the benefits of having their cash in First Bank and having access to this cash anytime anywhere and as necessary. It’s a huge advantage.”

Speaking anonymously with The PUNCH, a banker at a tier-1 bank put the blame on the Central Bank of Nigeria.

“It is what CBN has given us that we are using. We are confined within the limits of what is available to us. Also, because we are a big operation, we have to deal with many other businesses.

“Have you also noticed that there is a boom in the PoS business? Those people don’t take their money to the banks. The money comes out of the banks and it stays within their circle. They warehouse their funds, unlike you and I who would withdraw money and spend it which will eventually find itself back into the formal banking system. It is not the same with them. They warehouse their funds and distribute it among themselves.”

According to data from the CBN, currency outside the banks hit N4.02tn in September from N3.86tn in August. This brings it closer to the value of currency in circulation which stood at N4.31tn in September.

Meanwhile, some PoS operators on Lagos Island have increased their charges from N200 for cash of N10,000 to N300.

This was observed at both the CMS bus stop and at Obalende. However, off Lagos Island, the rates had remained at N200 for cash withdrawal of N10,000.

It was further gathered that banks have begun cash rationing, restricting maximum over-the-counter withdrawals to a daily limit between N5,000 and N20,000.

Findings by The PUNCH showed that the development is gradually leading to cash shortage, as many ATMs were non-functional, leaving customers with no choice but to seek alternative means of withdrawing cash.

As a result, many people have turned to Point-of-Sale operators, who have become the primary channel for cash withdrawals, albeit often at higher transaction fees.

Major commercial banks visited by one of our correspondents on Wednesday claimed not to have sufficient cash allocation hence the ration withdrawals to serve more customers.

The banks visited include Guaranty Trust Bank, Zenith Bank along Airport Road, and EcoBank at Jabi in Abuja.

A bank customer at EcoBank, who spoke without mentioning her name, said she was only allowed to withdraw N5,000 from N20,000 previously allowed.

“I was just informed that I can only withdraw N5,000 from my account. Can you imagine? The amount will can’t even take me home.”

Our correspondent received the same answer when he attempted to obtain cash.

At GTBank and Zenith Bank along the airport road, customers were permitted a maximum withdrawal of N20,000 from N100,000 previously disbursed as a daily limit.

 

A customer, Mr Faith, who visited the bank expressed shock about the new limit. He said the banks didn’t give any cogent reason for reducing the withdrawal limit.

“I just visited these banks, and I was informed that I can only withdraw N20,000 from N100,000, which was the previous limit. They didn’t even give any reason for reducing, now I have to start looking for cash elsewhere. This country is just so annoying,” He vented.

Cash scarcity became a recurring and widespread issue across Nigeria after the Central Bank of Nigeria introduced a controversial policy in January 2023, which significantly reduced the daily and weekly cash withdrawal limits to N100,000 daily, N500,000 weekly for individuals, and N5m for business entities.

This decision, aimed at encouraging a cashless economy, led to long queues at ATMs, increased difficulty in accessing physical cash, and a general disruption of daily financial transactions for millions of Nigerians.

The policy’s impact was felt particularly by those in rural areas and lower-income groups, who rely heavily on cash for their day-to-day needs, exacerbating economic hardships across the country.

Last week, data from the CBN showed that currency in circulation climbed 56.1 per cent year-on-year to reach N4.31tn, up from N2.76tn in September 2023, reflecting an increase of N1.55tn.

This is just as currency outside banks surged by 66.2 per cent in September 2024, reaching N4.02tn compared to N2.42tn in September 2023, a notable rise of N1.60tn in just one year.

This indicates that the volume of currency retained outside the banking sector outpaced the total released for circulation within the past year.

Compared to August 2024, currency in circulation rose by 4.0 per cent month-on-month, adding N166.2bn from the previous figure of N4.14tn.

The CIC is the amount of cash–in the form of paper notes or coins–within a country that is physically used to conduct transactions between consumers and businesses. It represents the money that has been issued by the country’s monetary authority, minus cash that has been removed from the system.

Earlier in September, the CBN announced plans to sanction banks that fail to dispense cash through their automated teller machines, as part of efforts to improve cash availability in circulation.

The CBN also revealed plans to release an additional N1.4tn into circulation over the next three months to ease cash flow within the banking system.

This strategy aims to ensure that ATMs and bank branches have sufficient cash, addressing ongoing challenges faced by customers over cash shortages.

Efforts to get a reaction from the apex bank on the new situation proved abortive as the acting Director, Corporate Communications, Sidi Ali Hakama, did not respond to enquiries sent to her phone number.

 

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