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Femi Lanlehin (femilanlehin@gmail.com)
Abstract:
Microloans first came to the public attention in the 1980s. It was widely accepted as a means of funds creation for up-and-coming entrepreneurs and also for the expansion of existing micro-enterprise. In a nut shell, it was intent to produce additional income that can lift the micro-borrowers out of poverty. It is vivid now that many sometimes most micro-borrowers used their microloans for non-business purposes. Admit it or not, microloans merely help the poor to cope with poverty whether or not it helps them escape it. Nevertheless, it is vitally important to know what actually works and what is simply hype especially in the global anti-poverty struggle where aid budgets and public attention are both limited in measure to what stakes against millions of lives.

This piece looks at the practicable strategy for enacting the theory behind the introduction of microloans around the globe seeking to ensure this across the entire policy and issue continuum of all microfinance institutions.

Keywords: microloans, micro-enterprise, micro-borrowers, poverty
Introduction

The idea of eradicating poverty has been the singular aim of most if not all burgeoning Microfinance institutions around the world. The practice of giving below average people small loans to start small business has been perceived helpful in the maddening struggle against poverty in the third world countries.

Microfinance Institutions around the world has over the years disbursed tens of billions of dollars in unsecured loans, usually in little varying amounts but enough to kick start a small business to a people who their commercial banks have ignored. There has however been an encouraging repayment rate and collection of stories of entrepreneurs especially women lift themselves from poverty via these petty trades.
Microfinance Institutions have sprung up all over the developing world, from Asia to Europe to America to Africa; by estimate, over 100 million people worldwide have enjoyed the privilege microloan substantiates. Government aid groups and nongovernmental organizations have thus rushed to fund these credit institutions seeing the prospect of the anti-poverty program that pays for itself and even make some return.
The idea of microloan is now widely presumed and has been accepted by the lower class as an oasis in the desert of life’s struggle. But does microloan truly do much to fight poverty? Regrettably, No! Researches around the world especially in Africa have shown by most measures, microloans do not offer a way out of poverty. The problem with the lower class is not just that their income is low; it is also irregular and susceptible to disruption. Given the irregularity and susceptibility of their income, the lower class has to save and borrow constantly in order to put food on the table and meet other needs. Microloan no doubt helps a few poor entrepreneurs’ startup businesses and at the periphery, it may boost the profits of existing microenterprises, but that doesn’t translate into gains for the micro-borrowers, as measured by pointers like spending, health, income, or education. Often times, the micro-borrowers in fact splurge the loans not on business ventures but rather something else.

However, there is strong evidence that the lower class find microloans incredibly helpful in coping with their circumstances. When microloans are offered in a brilliant setting, people will absolutely come out in droves for it. Most will even come back for additional loans. And to be honest, they usually repay, the motive behind the repayment not collateral or group pressure, but rather the desire to keep the future access to a service they find somewhat helpful.

Why Microloan is not Working
Take it or leave it, Microloan is not a transformation universal remedy that will lift people out of poverty. Some entrepreneurs might be making little out of it, but the average effect is weak, sometimes nonexistent. There is no doubt in this, that microloans work in a better way providing a cheaper alternative to that of the local moneylender and his ruinous interest rate. But is it worth the hustle? So why have not seen the positive impact of microloans so far?
• Borrowers divert the capital to household expenses
• Loans are used in paying up other debts
• Loan are diverted on acquisition of more liabilities like gadgets
• Loans are used in funding ceremonies
• Poor monitoring

What can be done
Having mentioned all the problems encountered by micro-borrowers, in what ways can the micro-creditors help the potential entrepreneurs?
• Educate the borrowers on counter-productive spending habits
• Guarantors should be used as security or collateral
• Microfinance should be done right
Either we own up to it or not, we all have them. Those niggling habits that break our budgets from time to time. To some, it is shopping on a regular basis; others, acquiring up-to-the-minute electronic gadgets; and many can’t do without lottery. Whatever it is, most aspiring entrepreneurs probably already know that it is a problem. Meanwhile, if your budget is still functioning properly plus your counter-productive spending habit(s); and you can refund the loan borrowed on the scheduled date without a problem, profligacy in that category is not a problem for you. Allow no one to convince you otherwise.

Counter-productive spending habits can be controlled but it can’t be done overnight. It took everyone several months if not years to form them; it will surely take a while to break them. Fortunately, there are measures that can be taken against them.
The first and foremost idea that all microfinance institutions should get into the skull of all their clients is that the loans given to them is for business and nothing more. They should educate them that the profit made from whatever business they venture into should be threw back into it to expand their capital base. Clients must be aware that even if they were to spend out of the profit made, they should always go for the things they need and not those things they want. All clients must be taught how to track their spending against their budget. It is important for everyone to review their existing expenses against their income from time to time and adjust accordingly. Clients should be encouraged to set their financial goals. This will remind them of why they are taking the loan in the first place (to escape poverty) and why they need to make the sacrifice of cutting back on their expenses to make their goals materialize.

In addition, most times around the globe, properties are used as collateral to acquire loans from financial institutions. But in the case of micro-credits, I strongly disagree with this initiative. If those people have the properties in the first place, they wouldn’t have come to the microfinance banks for loans. We won’t even see them as been poor or below average. After a thorough evaluation of the budding entrepreneur situation, I will sturdily recommend that instead of the microfinance banks asking for properties as collateral from the micro-borrowers, they should ask for two or three guarantors to stand for them. This will be a win-win situation. There won’t be worries over viable collateral for the micro-borrowers, and they will be more traceable/ track-able for the banks. Microfinance institutions should request for guarantors that can vouch for the reliability of the micro-borrowers and that are willing to take the responsibility of repayment should their person fails. There must be a bidding document on this. The guarantors must always be a government worker of a certain level.

Furthermore, when microfinance is done right many problems will take care of themselves. Let there be an introduction of subsidies. Small one-time initial subsidies can generate service delivery to very large number of people for several years. Not only will no supplementary subsidy be needed, but microfinance providers can leverage their initial subsidies with very large multiples of commercial funds. This is already happening all over the world.

Meanwhile, it doesn’t always have to be a financial institution that gives out loans. Individuals are as capable and you don’t have to be rich to be a venture capitalist. You can provide seed capital to a sugarcane seller in Benin Republic or fund plantain chips production for a young aspiring lady entrepreneur in Tanzania for as little as ten thousand naira (N10,000.00). A school of thought put it better that “the world’s slums are populated not by helpless victims of global forces, but eager entrepreneurs lacking only a $30 loan or less to start a business and pull themselves out of poverty”. Although investing in these ventures won’t make you rich, in fact, you won’t earn a reasonable interest if any but you will help make the world a richer place by empowering budding entrepreneurs to lift themselves out of poverty. There are unfailing websites that are dedicated to this course.

Femi Lanlehin (femilanlehin@gmail.com)
Abstract:
Microloans first came to the public attention in the 1980s. It was widely accepted as a means of funds creation for up-and-coming entrepreneurs and also for the expansion of existing micro-enterprise. In a nut shell, it was intent to produce additional income that can lift the micro-borrowers out of poverty. It is vivid now that many sometimes most micro-borrowers used their microloans for non-business purposes. Admit it or not, microloans merely help the poor to cope with poverty whether or not it helps them escape it. Nevertheless, it is vitally important to know what actually works and what is simply hype especially in the global anti-poverty struggle where aid budgets and public attention are both limited in measure to what stakes against millions of lives.

This piece looks at the practicable strategy for enacting the theory behind the introduction of microloans around the globe seeking to ensure this across the entire policy and issue continuum of all microfinance institutions.

Keywords: microloans, micro-enterprise, micro-borrowers, poverty
Introduction

The idea of eradicating poverty has been the singular aim of most if not all burgeoning Microfinance institutions around the world. The practice of giving below average people small loans to start small business has been perceived helpful in the maddening struggle against poverty in the third world countries.

Microfinance Institutions around the world has over the years disbursed tens of billions of dollars in unsecured loans, usually in little varying amounts but enough to kick start a small business to a people who their commercial banks have ignored. There has however been an encouraging repayment rate and collection of stories of entrepreneurs especially women lift themselves from poverty via these petty trades.
Microfinance Institutions have sprung up all over the developing world, from Asia to Europe to America to Africa; by estimate, over 100 million people worldwide have enjoyed the privilege microloan substantiates. Government aid groups and nongovernmental organizations have thus rushed to fund these credit institutions seeing the prospect of the anti-poverty program that pays for itself and even make some return.
The idea of microloan is now widely presumed and has been accepted by the lower class as an oasis in the desert of life’s struggle. But does microloan truly do much to fight poverty? Regrettably, No! Researches around the world especially in Africa have shown by most measures, microloans do not offer a way out of poverty. The problem with the lower class is not just that their income is low; it is also irregular and susceptible to disruption. Given the irregularity and susceptibility of their income, the lower class has to save and borrow constantly in order to put food on the table and meet other needs. Microloan no doubt helps a few poor entrepreneurs’ startup businesses and at the periphery, it may boost the profits of existing microenterprises, but that doesn’t translate into gains for the micro-borrowers, as measured by pointers like spending, health, income, or education. Often times, the micro-borrowers in fact splurge the loans not on business ventures but rather something else.

However, there is strong evidence that the lower class find microloans incredibly helpful in coping with their circumstances. When microloans are offered in a brilliant setting, people will absolutely come out in droves for it. Most will even come back for additional loans. And to be honest, they usually repay, the motive behind the repayment not collateral or group pressure, but rather the desire to keep the future access to a service they find somewhat helpful.

Why Microloan is not Working
Take it or leave it, Microloan is not a transformation universal remedy that will lift people out of poverty. Some entrepreneurs might be making little out of it, but the average effect is weak, sometimes nonexistent. There is no doubt in this, that microloans work in a better way providing a cheaper alternative to that of the local moneylender and his ruinous interest rate. But is it worth the hustle? So why have not seen the positive impact of microloans so far?
• Borrowers divert the capital to household expenses
• Loans are used in paying up other debts
• Loan are diverted on acquisition of more liabilities like gadgets
• Loans are used in funding ceremonies
• Poor monitoring

What can be done
Having mentioned all the problems encountered by micro-borrowers, in what ways can the micro-creditors help the potential entrepreneurs?
• Educate the borrowers on counter-productive spending habits
• Guarantors should be used as security or collateral
• Microfinance should be done right
Either we own up to it or not, we all have them. Those niggling habits that break our budgets from time to time. To some, it is shopping on a regular basis; others, acquiring up-to-the-minute electronic gadgets; and many can’t do without lottery. Whatever it is, most aspiring entrepreneurs probably already know that it is a problem. Meanwhile, if your budget is still functioning properly plus your counter-productive spending habit(s); and you can refund the loan borrowed on the scheduled date without a problem, profligacy in that category is not a problem for you. Allow no one to convince you otherwise.

Counter-productive spending habits can be controlled but it can’t be done overnight. It took everyone several months if not years to form them; it will surely take a while to break them. Fortunately, there are measures that can be taken against them.
The first and foremost idea that all microfinance institutions should get into the skull of all their clients is that the loans given to them is for business and nothing more. They should educate them that the profit made from whatever business they venture into should be threw back into it to expand their capital base. Clients must be aware that even if they were to spend out of the profit made, they should always go for the things they need and not those things they want. All clients must be taught how to track their spending against their budget. It is important for everyone to review their existing expenses against their income from time to time and adjust accordingly. Clients should be encouraged to set their financial goals. This will remind them of why they are taking the loan in the first place (to escape poverty) and why they need to make the sacrifice of cutting back on their expenses to make their goals materialize.

In addition, most times around the globe, properties are used as collateral to acquire loans from financial institutions. But in the case of micro-credits, I strongly disagree with this initiative. If those people have the properties in the first place, they wouldn’t have come to the microfinance banks for loans. We won’t even see them as been poor or below average. After a thorough evaluation of the budding entrepreneur situation, I will sturdily recommend that instead of the microfinance banks asking for properties as collateral from the micro-borrowers, they should ask for two or three guarantors to stand for them. This will be a win-win situation. There won’t be worries over viable collateral for the micro-borrowers, and they will be more traceable/ track-able for the banks. Microfinance institutions should request for guarantors that can vouch for the reliability of the micro-borrowers and that are willing to take the responsibility of repayment should their person fails. There must be a bidding document on this. The guarantors must always be a government worker of a certain level.

Furthermore, when microfinance is done right many problems will take care of themselves. Let there be an introduction of subsidies. Small one-time initial subsidies can generate service delivery to very large number of people for several years. Not only will no supplementary subsidy be needed, but microfinance providers can leverage their initial subsidies with very large multiples of commercial funds. This is already happening all over the world.

Meanwhile, it doesn’t always have to be a financial institution that gives out loans. Individuals are as capable and you don’t have to be rich to be a venture capitalist. You can provide seed capital to a sugarcane seller in Benin Republic or fund plantain chips production for a young aspiring lady entrepreneur in Tanzania for as little as ten thousand naira (N10,000.00). A school of thought put it better that “the world’s slums are populated not by helpless victims of global forces, but eager entrepreneurs lacking only a $30 loan or less to start a business and pull themselves out of poverty”. Although investing in these ventures won’t make you rich, in fact, you won’t earn a reasonable interest if any but you will help make the world a richer place by empowering budding entrepreneurs to lift themselves out of poverty. There are unfailing websites that are dedicated to this course.

Now our watch begins. But to know where we are going, we have to know where we are coming from.
General Muhammadu Buhari was believed to be a true Nigerian anti-corruption hero. He was one of the participants in the coup led by Lt-Col Mutarla Muhammed that overthrew and assassinated Nigeria’s first self-appointed military Head of state General Aguiyi Ironsi. He was also among a group of officers who oust the Head of state, General Yakubu Gowon. In 1983, Buhari used the forces under his command to chase out the Chadian forces that invaded the country. He later that same year 1983 co-led the military coup that ejected the democratically elected government of President Shehu Shagari. Buhari justified the seizure of power by castigating the civilian government as hopelessly corrupt. Although all the military coups that ever took place were justified by the perpetrators as a fight against corruption, Buhari to everyone, seem to embody the essence of the struggle.
In the year 1999, the military reign in Nigeria finally came to a halt with a transition to democracy. People were initially skeptical of the new development. We all doubted the possibility of its advancement but after a while, we were all convinced democracy have come to stay. Subsequent to the first successful democratic government, top guns began to throw their hat in for the next Presidential election. Amongst the aspirants was General Muhammadu Buhari. He had three consecutive unsuccessful presidential elections (2003, 2007 and 2011), he then retired to his village in Daura, lived a simple life, reared his cattle, staying away from the corruptions of the government. Unlike almost every other influential politician of the time that had attended good schools, relished European finery, he made people believed he had always lived a humble live. We saw an uneducated lowly and modest man, a man of the earth.
This, at any rate was what Nigerians read in their newspapers and was aired on television stations in the months before the controversial 2015 election. Spurred by these stories, vulnerable citizens of the nation began talking of how the anti-corruption hero had been wronged; how insidious corrupt aristocratic elites were conspiring to keep the country under their rule. So when Buhari was calculatedly chosen to run against GEJ in the 2015 presidential election- but this time as a candidate of a new party, All Progressive Congress (APC) - the public was thrilled. That was the first time the cliché/motto of a political party in the nation so much capture the heart of the people, -CHANGE was on the tongue of everyone. The word to the people represents a spiritual, economic, moral, educational and infrastructural revival. It becomes more like a magical seed. There were campaigns all around the country towards the election. Issues of national importance pertaining to the common man were discussed (healthcare, food, clothing, shelter, and above all, corruption), and people felt certain, Buhari was on their side. It was hard to know for sure- he seldom talk at the time (his promoters did all the talking) - but his election was about something larger than talking: it was about restoring democracy; fighting against corruption; and restoring basic black nation values.
Soon the All Progressive Congress was sponsoring events around the nation. They organize lavish public feast, inviting popular and reigning artists to entertain the crowd, and these were stirring events. The events often took place in a spacious environment mostly stadia with the party supporters carrying large colourful banners with portraits of Buhari or caricature of GEJ ridiculing his decadent way. And everywhere, there were brooms, brooms and more brooms.
The All Progressive Congress took over the media, conducted opinion polls, finding out what the common man thought about the two leading candidates – Goodluck and Buhari. The results, though mostly doctored, were published in the papers and the overwhelming conclusion was that Buhari was ahead. It came to our apprehension: a new party is taking over the country. It all came to the head when Buhari was interviewed by Christian Ammanpour on CNN. Though he said nothing meaningful, he became the world endorsed leader for the most populous black nation. One man said- “he is a man of impeccable character to lead the country. It is on record that no one has successfully maligned the integrity of Gen. Buhari. He has a rich pedigree”.
This time the will of the people prevailed. Buhari was elected president. It was not one region or tribe that brought him to victory: North-east, North-west, North-central and even the South-west were all infected with the Buhari/Change fever.
After the debacle that has eroded the nation till 2015, President Buhari and his cabinet were looked upon by Nigerians to do things differently. Unfortunately enough, the population of the country keeps increasing, power generation keeps decreasing, rate of unemployment proliferates, inflation at its peak, and basic human needs become an enormous concern amongst other issues. The sad news is we’ve been coned.
When the opposition parties realized it will be very difficult to take the federal power away from the ruling party, they took the decision of merging their forces. Two heads are often better than one. One of the first and most important steps they took was to found newspapers and television stations around the country. After which they put forward a figure they believed the nation will felt they have wronged and deserves their sympathy in votes. They even likened Buhari story to that of Abraham Lincoln, only the wise and informed could take time to note these two individuals are totally contrasting in all ways and manners except that they both became the president of their different countries. While Buhari seems to have retired from public life, these papers promulgated an image of him as the wronged corruption fighter, the victimized man of the people. In truth, Buhari was wealthy, as were all of his major backers(As a matter of fact, most of his promoters were from the acclaimed corrupt party (PDP), which during their term in office had embezzled all the resources that is meant for the masses. They gave their support to Buhari to service their greed the more and save them of impending prosecution). Buhari owned a large farm, probably a large empire we all don’t know about, and many servants were at his beck and call. He ate like a king, lived in a mansion and had the best of all things. And while he might have been perceived as uneducated by the populace, he was schooled in the United States.
The image of the man of the earth disguised all these, and once it was established, it could be contrasted with the aristocratic image of the ruling party flag bearer. In this way Buhari’s strategists covered up all his political inexperience and made the election turn on questions of character and values. Instead of political issues, they raised trivial matters like the blunders in the first lady’s grammar; the voyage of the President to the Holy land to pray for the country instead of staying back to fix things among others. The greatest opportunity to crucify the ruling party was the abduction of the Chibok girls. Nobody take time to notice today that the #Bringbackourgirls is almost forgotten. They sponsored a lot of campaign to build every single mistake of the ruling party out of proportion and it worked. They even duped the innocence citizens of the nation of their hard earned money in the name of contributing for Buhari’s presidential form acquisition since he’s too poor to get one. To keep the enthusiasm of the people, they staged spectacles that seem to be spontaneous but unknowingly to the people, were carefully choreographed. We all can remember the primary school student that claims to donate her saved pocket money to the Buhari/change movement. It was broadcast on Channels television. The support for Buhari seemed to be a movement. This strategy infuriated the ruling party, who tried to unmask it, reveal the truth behind the myth; but that only made them seem smug, defensive, and snobbish. All these qualities became part of the ruling party’s image and helped sank them.
The question remains: “what would be the state of the nation this time tomorrow?”

Hello,

My name is Mr. Femi Lanlehin, a Oil and Gas consultant at Melhavid Nig Ltd. My Company is into the marketing of Petroleum products.

We are looking for a serious person/company interested in the purchase of Automative Gas Oil (AGO) from Cote d'Ivoire and Burkina Faso. We serve our customer on CIF, TTO and TTT
Melhavid Nigeria Limited is set to commence transaction with any interested buyer as soon as possible, all variables being equal. However, to institute an equitable level of professionalism, we shall request for some legal documents from you to back our transaction.

Furthermore, our SCO is issued by the Nigeria Government via Nigeria National Petroleum Corporation (NNPC), but our first delivery will not be from NNPC. This is owed to the fact that NNPC sells crude oil only presently; they do not sell refined products outside the Nigerian borders.

Kindly get back to us if you need more information.
Thanks.

melhavidnigltd@gmail.com
femilanlehin@gmail.com

Hello,

My name is Mr. Femi Lanlehin, a Oil and Gas consultant at Melhavid Nig Ltd. My Company is into the marketing of Petroleum products.

We are looking for a serious person/company interested in the purchase of Automative Gas Oil (AGO) from Cote d'Ivoire and Burkina Faso. We serve our customer on CIF, TTO and TTT
Melhavid Nigeria Limited is set to commence transaction with any interested buyer as soon as possible, all variables being equal. However, to institute an equitable level of professionalism, we shall request for some legal documents from you to back our transaction.

Furthermore, our SCO is issued by the Nigeria Government via Nigeria National Petroleum Corporation (NNPC), but our first delivery will not be from NNPC. This is owed to the fact that NNPC sells crude oil only presently; they do not sell refined products outside the Nigerian borders.

Kindly get back to us if you need more information.
Thanks.

melhavidnigltd@gmail.com
femilanlehin@gmail.com

Hello,

My name is Mr. Femi Lanlehin, a Oil and Gas consultant at Melhavid Nig Ltd. My Company is into the marketing of Petroleum products.

We are looking for a serious person/company interested in the purchase of Automative Gas Oil (AGO) from Cote d'Ivoire and Burkina Faso. We serve our customer on CIF, TTO and TTT
Melhavid Nigeria Limited is set to commence transaction with any interested buyer as soon as possible, all variables being equal. However, to institute an equitable level of professionalism, we shall request for some legal documents from you to back our transaction.

Furthermore, our SCO is issued by the Nigeria Government via Nigeria National Petroleum Corporation (NNPC), but our first delivery will not be from NNPC. This is owed to the fact that NNPC sells crude oil only presently; they do not sell refined products outside the Nigerian borders.

Kindly get back to us if you need more information.
Thanks.

melhavidnigltd@gmail.com
femilanlehin@gmail.com

Hello,

My name is Mr. Femi Lanlehin, a Oil and Gas consultant at Melhavid Nig Ltd. My Company is into the marketing of Petroleum products.

We are looking for a serious person/company interested in the purchase of Automative Gas Oil (AGO) from Cote d'Ivoire and Burkina Faso. We serve our customer on CIF, TTO and TTT
Melhavid Nigeria Limited is set to commence transaction with any interested buyer as soon as possible, all variables being equal. However, to institute an equitable level of professionalism, we shall request for some legal documents from you to back our transaction.

Furthermore, our SCO is issued by the Nigeria Government via Nigeria National Petroleum Corporation (NNPC), but our first delivery will not be from NNPC. This is owed to the fact that NNPC sells crude oil only presently; they do not sell refined products outside the Nigerian borders.

Kindly get back to us if you need more information.
Thanks.

melhavidnigltd@gmail.com
femilanlehin@gmail.com

Change is an idea that seems more than attractive, but our younger generation deserves a real future, not one based on fairytales.
Once upon a time, not so long ago, in this very land, an ex-governor from the West woke up one morning and had an idea.
This was his idea: my party needs to take over the federal power from the corrupt ruling party. But how do we do this? It came to him that his party together with the other leading opposition parties needed to come together in order to pull down the ruling party. He searched, toiled and wailed for a name to give this idea of his, and at his brightest moment a name pulped up, a mantra – CHANGE.
It seems like a cheery good idea so he started making it a reality. As a politician himself, he knew all he needed to appeal to was the selfish, insatiable greed of his counterparts. So he beckoned on all politicians from the leading opposition parties and lured many that were not satisfied with their portfolio from the corrupt ruling party. They pooled their forces and formed a new Alliance. To facilitate the support of all concerned towards making this dream of his a reality, a portfolio was promised to all in the neo-government to come. This enhanced the tenacity of the concerned and the aggrieved towards bringing this unchecked idea to total fruition.
Needless to say, aids started coming in from home and more from ravenous foreign bodies. All wanted to have a share of the impending windfall. They bought the media and painted anyone that opposes them black and everyone who supports receives kudos. They made to the masses a lot of promises that are not realizable. They promised to conjure millions of jobs magically from nowhere; stabilize Oil price; and even make a Naira equals a Dollar. We were promised Utopia, and the game of thrones became a win or die affair. We were all promised that if we can buy this dream with our votes, everyone will live happily ever after. The end!
The singular dilemma with this fairytale is -it’s fabricated. There is no unbending law of politics or economics that proves that when one power-hungry political party takes over power from another, good life will follow suit. And so we found ourselves in a realm that is far away indeed from that we were promised. Instead of highly skilled jobs pulping up, more and more youths were being laid off their jobs by the day; the ignorant masses have now realized the power hungry monsters have no power on the Oil price; the nation’s economy becomes shrunken by the hour; the Naira keeps falling helplessly against the Dollar; and more and more graduates are currently working in jobs that do not require a degree.
Agonizingly, our land is now in a ridiculous shape which is not remotely amusing particularly not to the younger generation- many who labored untiringly for this big fat lie. The truth is the change preached to the masses was nothing but a con or better still, it wasn’t meant for all. We were promised the land would be our oyster if we give our votes, but instead of finding our pearl inside after several months of the new government, all we were left with are loads of blames, more empty promises and a nose-diving economy. Majority of us can barely fend for our mouth. The land is now made up of a younger generation of no promising future; older generation saturated with unrepentant, greedy politicians; and an old, injudicious and vapid figure as a ruler.
We are men of the night-watch and winter is coming. How do we get out of this Storybrooke?
Femi Lanlehin
(femilanlehin@gmail.com)

The idea of CHANGE will always bring two distinctive philosophies into our minds though somewhat paradoxical. We may take it as a consistency in the way things are executed; or perhaps a divergence in consistency. Truth be told, there have always been CHANGE. Nothing has been more constant. Everything over the years has survived on CHANGE and still does. I see no reason why the issue of CHANGE should be made so pervasive that its essence almost escapes our notice.
As we approach the 2015 general election, no one can deny the existence of and the necessity for CHANGE. The pressing questions are – CHANGE of what? ; And CHANGE to what? I’ve heard people say – “anything order than the government we presently have will do”. Most have come to believe the grass is greener on the other side. While few are sure of enriching their greedy pocket with a CHANGE in government, many just hope for a better livelihood, but unfortunately a gross majority are completely clueless following ignorantly the band wagon. The seductive idea of CHANGE has clouded almost everyone’s reasoning. CHANGE, of course we need, but at the expense of what? What do we really understand about the only alternative to the incumbent government?
In the year 2014, the All Progressive Congress (APC) had its first and calculated primaries to pick a presidential candidate which is so unlike them. We’ve always known the principal appendage that made up the party for unquestionable imposition. Needless to say, the unusual primary gave way to General Muhammudu Buhari (GMB) as the party flag bearer thus the crusade for the fallacy called “CHANGE” began. The cliché CHANGE in no time spread across the nook and cranny of the nation like a wild fire. GMB popularity peak as that of GEJ (Goodluck Ebele Jonathan) nosedives. Before anyone could say Jack, we were almost all consumed. Out of reasonably supposed facts, fear, bravery, greed and mostly stupidity, many prominent members of the ruling party are decamping to the opposition party. The act which is owned to the fact that they need a platform where their greed could be better serviced and not to better the live of the common man. All ways goes to flushing out the ruling party, especially unseating the incumbent president.
I must be honest; this is an unfortunate period in the history of our nation. We have what we believe to be a failing government; an unworthy, clueless opposition presidential candidate with a group of celebrated criminals as his promoters; and a largely unenlightened electorate. Only a few could breather to consider this crusade of CHANGE which daily hounds us offers no guarantee. We’ve all blindly embraced the unrealistic and questionable promises of CHANGE invoked on us by the opposition party. I am but disturbed that a cheap but potent strategy that has been deployed by political antagonism around the world is now been unleashed on my people in the most knotty and adverse period. The promise of CHANGE, no doubt has always been attractive and mostly effective. The campaign for CHANGE was what brought Barack Obama to power. Nevertheless, the crusade for CHANGE was the very deceptive strategy used by Adolf Hitler in 1933 and Robert Mugabe in 1980. We all are aware of the aftermath. History is littered with leaders that attained power with the deception called CHANGE. People have always accepted words for deeds, the canard we have at hand presently. We are content with show and rarely pause to note whether promises are followed by performances. Therefore, our political leaders give eloquent proof of our benefit if elected to progress.
Frankly speaking, GMB would have been a terrific comedian. His hope of leading the war against a well-armed, organised terrorist group just keeps me wondering. If as a military general and Head of State, he was unable to protect his reign from a bloodless coup, defeating the Boko-haram is nothing but a dramatic irony. Two things should be clear to all Nigerians here, if GMB has a strategy that can arrest the menace of this terrorist group and he had refused to share it with the present administration, then he is not patriotic and doesn’t deserve our votes. The second is – if the craziness of this terrorist group should stop after GMB assumes power, then I’m sorry for the Nigerian populace, for we’ve voluntarily elected a glorified terrorist to govern us. This is someone who said Boko-haram should be granted amnesty. I understood GMB sarcasm has no bounds when he promised to stabilize oil price if elected. The joke of the century, I must say. Chris Rock hasn’t said anything so funny.
I took a closer look at the promoters of the GMB candidacy, the list is entirely demoralizing. GMB promised all Nigerians he will send all corrupt officials to Kirikiri Maximum Prison if elected. Will he be honest enough to jail all his promoters (APC chieftains popularly dubbed “Association of Past Criminals”)? This is the point I realised that the promised CHANGE will never come, because it is guided by a theory that is fundamentally flawed. This is nothing but a case of celebrated criminals bringing in a tyrant to rule. The crusade for CHANGE is not for the love of the common people neither is it for the forwardness of the nation. All the promoters of this crusade are of questionable history which undermines the credibility of what they table before us. These promoters are but putting all they have got to cover up their evil past and at the same time enrich more their insatiable, bottomless pockets. Even if Nigerians should accept the fallacy of CHANGE these people put forward, is there any assurance that great calamities do not await us putting into consideration the reputation of the promoters and their candidate.
Nigerians must be aware that with every government arise difficulties. Moreover, the opposition/new party that is so desperate for CHANGE is not entirely new but an appendage to the old ruling party. Both parties make a composite body that its disorder arose chiefly from one or more challenges encountered, greed being the most paramount.
Femi Lanlehin is not saying this recently adopted philosophy of CHANGE is totally inappropriate. My uneasiness arose when such deceitful package is used in seclusion as a kind of magical seed to spread unreasonable assumption across the nation. At best, the CHANGE crusade is totally irrelevant. It does nothing than promote scepticism, unrest, deceit and cynicism to say the least.
CHANGE, I have always believed starts with the common man, his knowledge and attitude. The opposition party will never talk about this, neither will the ruling party anyway. The Nigerian populace have always embraced greed and corruption as a way of life. We all have to CHANGE this mind-set. It is totally non-progressive. If each individual attitude is changed, our behaviour will definitely. Positively changed individuals make change/better homes; each home turns the communities around; communities, the states; changed states make a better country. Every government is the exact symbol of its people, with their doing and undoing; we have to agree, like people, like government. CHANGE doesn’t start from the outside-in, but from the inside-out. Not from the top to the bottom, but from the bottom to the top. CHANGE is a conversion experience that starts with the people, not the government. Nigerians need a particular mind-set to welcome CHANGE. A mind-set that can comprehend the plans and see the potential destination of a leader; and above all the intelligence to identify a worthy leader. CHANGE is a unit-by-unit phenomenon that brings result from persistence over a period of time as oppose to a quick fix.
In a nut shell, the truth about the CHANGE we are clamouring for today is just an opinion we desperately want to be true and perhaps permanent. Let no one deceive you, no one can give what he doesn’t have. Nigeria today can boast of the highest concentration of the black race, it will be unjustly sinful to get it wrong with a momentary unreasonable decision.

Was Mikelis Obilis at the world cup?!

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