Politics
Taxing a Broken Society: Why Nigeria’s Proposed Bank Transaction Levy Threatens Social Stability
Taxing a Broken Society: Why Nigeria’s Proposed Bank Transaction Levy Threatens Social Stability.
By George Omagbemi Sylvester
“A Constitutional, Economic, and Moral Indictment of Governance Failure.”
Nigeria stands at a perilous crossroads. At a time when inflation is crushing household incomes, insecurity has become normalized and public trust in government is dangerously eroded, the proposal to impose an additional 7.5 percent charge on bank transactions is not merely an economic policy error and it is a profound governance failure with grave social implications.
This is not a debate about whether taxation is necessary. Every modern state requires revenue. The real question is legitimacy: when, how and under what moral and constitutional conditions can a government tax its citizens? In Nigeria’s current condition, this proposed levy fails every serious test of democratic governance, economic rationality and constitutional responsibility.
The Constitutional Breach: Taxation Without Welfare. Nigeria’s 1999 Constitution is unequivocal. Section 14(2)(b) states that “the security and welfare of the people shall be the primary purpose of government.” This clause is not aspirational rhetoric; it is the philosophical foundation of the Nigerian state.
Yet, after years of deteriorating public services, escalating poverty, collapsing security architecture and declining human development indicators, the Nigerian state can no longer credibly argue that it has fulfilled this foundational obligation.
According to the World Bank, over 63 percent of Nigerians (more than 133 million people) are multidimensionally poor, lacking access to basic healthcare, education, nutrition and clean water. Inflation, driven by subsidy removal and currency depreciation, exceeded 28 percent in 2024, eroding real incomes at a pace unmatched in decades. Insecurity continues to disrupt agriculture, commerce and daily life, while unemployment and underemployment remain stubbornly high.
In this context, imposing an additional financial burden on citizens for merely accessing their own money constitutes what legal scholars describe as regressive extraction with a form of fiscal policy that disproportionately punishes the poor while offering no commensurate public benefit.
As constitutional lawyer Professor Itse Sagay, SAN, once observed, “Taxation is justified only where citizens can see and feel the presence of the state in their daily lives.” In Nigeria today, that presence is largely absent.
Economic Reality: A Tax on Survival, Not Wealth. From an economic standpoint, a bank transaction levy is among the most regressive forms of taxation. Unlike progressive income or wealth taxes, transaction charges do not distinguish between surplus and subsistence. They penalize traders, small businesses, salary earners and informal workers who rely on frequent banking transactions to survive.
Nobel laureate Joseph Stiglitz has consistently warned that “unfair tax systems undermine social cohesion and weaken the legitimacy of the state.” When citizens perceive taxation as punishment rather than contribution, compliance gives way to resistance, avoidance and economic disengagement.
Nigeria’s economy is already suffering from declining productivity, shrinking consumer demand and capital flight. Adding a transaction levy risks pushing more economic activity into cash-based informality, weakening financial inclusion and undermining the very tax base the government seeks to expand.
Political Philosophy and the Collapse of Consent. Political legitimacy is not sustained by coercion but by consent. John Locke was clear: governments exist to protect life, liberty and property. Where property is arbitrarily taken without reciprocal protection, the social contract fractures.
Similarly, Jean-Jacques Rousseau argued that laws lose authority when they no longer reflect the general will or promote the common good. In Nigeria’s case, policies that deepen hardship while public officials enjoy unchecked privileges create what scholars term a legitimacy deficit.
Even Thomas Hobbes, often cited in defense of strong authority, warned that when the state becomes more frightening than the chaos it claims to prevent, social order collapses. History (from pre-revolutionary France to more recent cases of fiscal unrest across the Global South) demonstrates that economic injustice is often the spark of political instability.
Utilitarian Failure: Pain Without Public Gain. From a utilitarian perspective, the policy is equally indefensible. Jeremy Bentham’s principle of “the greatest good for the greatest number” is entirely absent. The pain imposed by the levy is collective and immediate; the benefits, if any, are speculative and opaque.
There is no transparent framework showing how revenues from this levy would translate into improved healthcare, education, security or infrastructure. Without such clarity, the policy appears not as reform but as fiscal desperation, shifting the cost of state failure onto citizens already at breaking point.
Economist Dambisa Moyo has cautioned that “states that rely excessively on extraction rather than productivity eventually face social backlash.” Nigeria risks becoming a textbook case.
Comparative Governance: Why Citizens Resist Unjust Extraction. Across the world, citizens tolerate taxation when it is visibly linked to social benefits. In countries with strong welfare systems, taxes fund healthcare, education, housing and social protection. Even in resource-rich states with controversial governance records, citizens often receive direct material benefits that sustain a fragile social bargain.
Nigeria’s tragedy lies in its constitutional promise without constitutional delivery. Chapter Two of the Constitution outlines socio-economic rights, yet Section 6(6)(c) renders them largely non-justiciable, creating what many scholars describe as a structural contradiction: rights promised but not enforceable.
Legal philosopher Ronald Dworkin argued that “a political community must treat all its members with equal concern and respect.” Policies that extract from the poor while protecting elite consumption violate this foundational principle.
The Moral Argument: When Law Loses Authority. The ancient maxim lex iniusta non est lex (an unjust law is no law at all) remains central to jurisprudence. Laws that deepen suffering without serving justice lose moral authority, even if they retain formal legality.
Nigeria’s governance crisis is not merely economic; it is ethical. Excessive public spending on political offices, opaque budgeting, and persistent corruption scandals undermine any moral justification for further taxation.
As former UN Secretary-General Kofi Annan warned, “A government that ignores the suffering of its people forfeits the moral right to demand sacrifice.”
A Warning, Not a Threat. This analysis is not a call to disorder. It is a warning grounded in history and reason. Societies pushed beyond endurance do not require incitement to react; pressure alone is enough. Governments that mistake silence for consent often discover too late that endurance has limits.
Nigeria still has a choice. Genuine fiscal reform must begin with cutting the cost of governance, enforcing accountability, expanding productivity and restoring public trust. Taxation must be the final step not the first reflex of a failing system.
Closing Reflection: The Test of Statesmanship. Great leadership is measured not by how much it can extract from its people, but by how effectively it can serve, protect, and uplift them. Nigeria’s current trajectory risks converting fiscal policy into a catalyst for deeper alienation.
History is unforgiving to governments that treat citizens as expendable revenue sources. Stability is not enforced; it is earned. And legitimacy, once lost, is far harder to recover than revenue.
George Omagbemi Sylvester
Political Analyst & Columnist
Published by SaharaWeeklyNG
Politics
TINUBU RENEWS TENURE OF THREE PERMANENT SECRETARIES
TINUBU RENEWS TENURE OF THREE PERMANENT SECRETARIES
President Bola Ahmed Tinubu has approved the renewal of tenure for three Permanent Secretaries in the Federal Civil Service, in line with existing public service regulations.
The approval was disclosed in a statement issued by the Office of the Head of the Civil Service of the Federation, indicating that the renewed appointments will take effect from April 27, 2026.
The affected officials include Kachallom Shangti Daju, Permanent Secretary in the Federal Ministry of Health and Social Welfare; Beatrice Jedy‑Agba, Solicitor-General of the Federation and Permanent Secretary in the Federal Ministry of Justice; and Mary Ada Ogbe, Permanent Secretary in the Federal Ministry of Regional Development.
According to the statement, the renewal represents a second and final four-year tenure for the officials, in accordance with the provisions of Public Service Rule 020909, which allows Permanent Secretaries an initial four-year term with the possibility of a second term based on satisfactory performance.
The Head of the Civil Service of the Federation, Didi Esther Walson‑Jack, congratulated the Permanent Secretaries on their reappointment and urged them to see the renewed mandate as a call to greater dedication and excellence in service delivery.
She further encouraged them to deploy their experience and professional expertise toward strengthening governance and advancing national development.
The statement was signed by Eno Olotu, Director of Press and Public Relations in the Office of the Head of the Civil Service of the Federation, and dated March 6, 2026.
Politics
Governor Dauda Lawal’s Prompt Action Against Insecurity in Zamfara State Yielding Positive Result’ – GDL Media Force Fires Back at Critics
‘Governor Dauda Lawal’s Prompt Action Against Insecurity in Zamfara State Yielding Positive Result’ – GDL Media Force Fires Back at Critics
The attention of GDL Media Force and other well-meaning supporters of the Dauda Lawal-led administration has been drawn to a recent statement syndicated on social media by influencers from a group calling itself the Zamfara Good Governance Forum, which ludicrously attempted to portray the Governor’s security efforts as a “total failure.” This characterisation is not only divorced from reality. Still, it represents a desperate attempt by political opponents to rewrite history and undermine a Governor whose growing influence and performance clearly terrify them. It should be on record that in the whole of the North West region, Governor Dauda Lawal has tackled insecurity head-on with verifiable evidence that even those in the opposition have commended him for his huge investment in equipment that will further give security and armed forces an edge over those fueling insecurity in the country.
Since his assumption as Governor of Zamfara State, Dr Lawal has vowed that as the Chief Security Officer of the state, as well as the chief rescuer, an unprecedented commitment to tackling the security challenges that have plagued Zamfara for over a decade is his top priority and he is engaging it with much gusto. Unlike previous administrations, that engaged in shadowy deals with non-state actors, this Governor has chosen the path of transparency, capacity building, and decisive action. He was one of the Governors who openly declared that His administration would not negotiate with bandit rather his administration with fight them to a standstill and ensure they are cleared out.
In a bid to address the issues of insecurity with a well-planned arrival plan, he procured heavy Security Assets that even the Federal Government commended, him for. The recently procured and unveiled 25 units of Armoured Personnel Carriers (APCs) and an 80-meter endurance surveillance drone capable of covering 50 kilometres and operating continuously for eight hours. This represents the single largest state-government investment in security hardware in the history of Zamfara State.
The Defence Minister, during the inauguration ceremony, praised what he described as a clear demonstration of the Governor’s commitment to protecting lives and property, making the striking projection that “if we continue like this in the second term, Zamfara will look like Dubai”. This is not praise from a partisan source it is professional acknowledgement from the highest level of Nigeria’s defence establishment that Governor Lawal is doing something right.
Beyond heavy military hardware, the Governor has operationalised the Community Protection Guards in accordance with the law, providing them with 60 brand-new, well-equipped Hilux operational vehicles and specialised motorcycles to ensure swift response and effective first-responder services in difficult terrains. This is complemented by the distribution of 150 Hilux vehicles to mainstream security agencies including the Nigeria Police, DSS, and NSCDC, plus 20 Toyota Buffalo vehicles (both armoured and soft-body).
Perhaps most significantly, Governor Lawal established the Zamfara State Security Trust Fund, which provides a predictable, structured framework for logistical support to security forces. This moves the state away from the era of fragmented, reactive responses to a professional, sustainable security architecture.
When recent attacks occurred including the unfortunate February 19 incident in Anka LGA, Governor Lawal did not go into hiding or issue condolence statements from his office in Gusau. He immediately convened and personally presided over an emergency security meeting with all heads of security agencies at the Government House in Gusau, tasking them to urgently review the current security framework and implement coordinated countermeasures.
The Governor charged security chiefs to maintain “heightened vigilance, strengthened intelligence, and immediate, coordinated countermeasures” to ensure that criminal elements do not gain further ground. He also commiserated with affected communities and assured them of his administration’s full support both logistical and institutional. This is not the behaviour of a detached leader. This is the conduct of a Governor who understands that his primary constitutional responsibility is the protection of lives and property.
The public needs to understand the pedigree of those behind these allegations. The so-called “Zamfara Good Governance Forum” has a well-documented history of partisan attacks against Governor Lawal. A simple review of their previous statements reveals a pattern they have consistently attacked the Governor while remaining conspicuously silent during the administrations that presided over the worst years of banditry in the state. Interestingly, these attacks often coincide with political manoeuvres by the immediate past governor, Bello Matawalle, now Minister of State for Defence. The Zamfara State Government has previously accused Matawalle of using federal security apparatus to intimidate opposition figures in the state. The current criticism fits a familiar pattern, when you cannot defeat a Governor politically or at the ballot box, you attempt to undermine him through sponsored propaganda spreading sheer falsehood to ensure the public turns their back on a performing Governor who is rebuilding the rot the Matawale-led administration caused.
These same critics who now demand a “security roadmap” conveniently ignore that Governor Lawal inherited a state that was virtually a failed entity where farmers could not access their lands, where markets were paralysed, and where government had lost all credibility through failed negotiations and ransom payments to bandits.
Critics also conveniently ignore a fundamental reality Governor Lawal is the only opposition governor in the entire North-West geopolitical zone. Since taking office in 2023, his administration has received no federal intervention funds beyond statutory allocations no special palliatives, and no enhanced security support that flows to states with ruling-party governors. Yet despite this political isolation, he has managed to fund security without resorting to new borrowing, while monthly servicing N1.2 billion in inherited debts from the Bello Matawalle-led administration. This is governance under siege fiscally constrained, politically isolated, yet still delivering.
Governor Dauda Lawal has never claimed that the battle against banditry is easy or that success will come overnight. What he has demonstrated is sincerity of purpose, strategic vision, and relentless commitment. From the Security Trust Fund to community protection guards, from armoured personnel carriers to surveillance drones, these are not the actions of a leader who has failed. The growing influence of Governor Lawal across the North-West clearly frightens those who benefited from the old order of insecurity. When banditry thrives, politicians who negotiate with criminals remain relevant. But when peace is restored through genuine security architecture, such elements become obsolete.
Zamfara State is on the path to lasting peace. The detractors may continue their campaign of falsehood, but the facts on the ground speak louder than their sponsored propaganda. Governor Dauda Lawal remains focused, undeterred, and absolutely committed to restoring full normalcy to every inch of Zamfara State. The people of Zamfara see the progress. The Federal Government acknowledges the investment. And history will remember who truly fought for the state’s liberation.
Signed: GDL Media Force Support Group
March 4, 2026
Abuja, Nigeria
Politics
DANFULANI, A PARTY STALWART, MAKES CASE FOR APC PUBLICITY SECRETARY ROLE, PROMISES DIGITAL REVOLUTION, URGES DELEGATES SUPPORT
DANFULANI, A PARTY STALWART, MAKES CASE FOR APC PUBLICITY SECRETARY ROLE, PROMISES DIGITAL REVOLUTION, URGES DELEGATES SUPPORT
In a move set to reshape the communication dynamics of the All Progressives Congress (APC) in Kaduna State, a prominent party stalwart has formally declared his intention to contest the position of State Publicity Secretary.
The aspirant, Ibrahim Dahiru Danfulani, brings a deep history of party service to his candidacy. Born in Mando, Afaka ward, Igabi Local Government of Kaduna State, Danfulani was SA Northern media strategies to the APC Publicity Secretary Mr Lai Mohammed, he is also the founder of the APC at Your Door Campaigns Forum. He previously served as the North-west Secretary for the GMB support group, which campaigned extensively for the late President Muhammadu Buhari in 2015. Danfulani was also a founding member of the Tinubu Support Organization and is the Convener of the General Christopher Gwabin Musa Support Initiative. His practical electoral experience includes serving as the Returning Officer for the APC in Afaka ward, Igabi Local Government, during the 2023 Presidential and Gubernatorial elections.
Now holding the traditional title of Sadaukin Garkuwan Keffi/Betara Biu, Danfulani has called upon party leaders, delegates, and critical stakeholders to rally behind his candidacy in the upcoming state congress scheduled for March 3, 2026.
This appeal was contained in a personally signed statement released to the press on Tuesday, wherein Danfulani outlined his vision for a more robust, strategic, and modern party publicity machinery.
Citing his formidable and unparalleled experience spanning over a decade at the intersection of journalism and practical politics, Danfulani positioned himself as the ideal candidate to articulate and defend the party’s programmes, policies, and achievements. He argued that this unique blend of skills is precisely what the APC needs to enhance its narrative, engage a broader electorate, and consolidate its gains in the state.
“My extensive background in media practice and deep-rooted involvement in political mobilisation have equipped me with the requisite insight to drive an effective communication strategy for our great party,” the statement read in part. “I understand both the power of the pen and the pulse of the people.”
In a pledge that signals a forward-looking approach, the aspirant promised to revolutionise the party’s media engagement by introducing several innovative digital media strategies if elected. This proposed digital overhaul aims to leverage social media platforms, data analytics, and targeted content creation to connect with younger demographics, counter misinformation swiftly, and project the APC’s activities with greater clarity and impact.
Political observers note that Danfulani’s entry into the race brings a significant weight of credibility and strategic acumen, bolstered by his extensive grassroots and national campaign experience. His background underscores deep community ties and respect within traditional circles, a factor considered invaluable for trust-building.
The statement concluded with a confident appeal: “I humbly seek your mandate. With your support, I am committed to serving as a dynamic, proactive, and articulate voice for the APC in Kaduna State, ensuring our story is told accurately, persuasively, and consistently across all media frontiers.”
As the congress date approaches, Danfulani’s candidacy—built on a proven track record of party service and a promise of digital innovation—is poised to be a major point of discussion among party faithful seeking a communicative edge for the elections ahead.
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