₦airaland Forum

You did not marry from a poor family obviously, by poor I mean poverty of the mind

After Northerners filled the Customs for many decades, eyes don open na

Nwaikpe:
If it was a sane country,
Research funds would have been poured into the universities in that region so that they can study the soil mechanics and know how to effectively build even with such risks.

It would have been research ventures that woo PhD applicants from all over the country.

But, a damaged road is just another source of funds for politicians

Bros simple proper Soil Testing would have solved this issue now

HiideaConsole:
Thank you for your response

I appreciate.

I checked the two platforms, and I noticed they have more to do with web development, coding and programming. I don't know but coding has right from time not been my thing. It's always looked complex and mind boggling to me and I don't seem to follow

Which is why I opted for non code web design. For example, the practice projects up there were done with WordPress which is where my learning is focused for now

I didn't add this detail of information earlier but I don't know if you have some ideas that work in that direction too

Thank you

bros learn them, WordPress would soon be obsolete with emergence of AI

Tenrack:
Why are you advising her? Let her satisfy her curiosity in peace. She needs to explore further to discover who she wants to be with. She's a woman after all, they are always confused.

you are right sha

w3school and codedex.io

Bahamas95:
Someone should tell this lady to stop deceiving herself.



They always pretend as if they don't need a man to make them complete but they wet their pillow with premium tears every night..... I kinda like Cuppy sha, I pray she finds a man soon. That's if she's ready to be submissive.




The rich also cry.

person dey use style talk say she needs a man you are not getting the gist

Ujunwaprince:
Abeg make una no insult me oooooo 🙏🙏

are you married to the man based overseas, if not consider it, meanwhile I feel you are in to your ex for the wrong reason. I believe you already have your plans all along. I just pity the Abroad man, but please be open to him. Meanwhile it's possible that your ex is back for a revenge, but because of hypergamy you may not know.

Sirchiboy:
To sue you and get you arrested

you are funny, I just believe there must be a silly motivation, I will advice you wait till you are 75

omozu1:
My health blog get about 2000 search engine views everyday and google adsense have rejected me though it is a .
I want you to help me with good and profitable affiliate programs I can register with
Thanks for your help always

. CJ and CPALEAD, Among other CPA platforms, register as a publisher

Sirchiboy:
Is it late to rewerite waec at 45 in quest of getting law degree.
I am a science student and I heard you must have literature in your waec

not too late but why do you want to study law if I should ask

https://www.youtube.com/watch?v=XHRqYFM8ZCs?si=t4hqHEKJIhxxEyaq

lionshare:
At $65,000 per km, it should be cheaper than anywhere else in the world. Do you mind mentioning a couple of those northern roads? For it to be that cheap, it has to apply economy of scale, which would mean these are notably long stretch roads. We can argue quality but not price. You can look up construction costs in other countries, including those with the same economic trajectory or within the same West Africa region."

If 1 USD was around 122 Naira to 155 Naira as at 2010 that means that 10,000,000 is around $80,000 to $90,000 so its even more than the international standard

lionshare:
Are you sure roads were built for under $30k per km just couple years ago? Do you even know what 1 km means? Show one example, or stop pretending you know what you’re talking about

He is right, I am a civil Engineer, except in rain forests and waterlogged areas as at 2010 10 Million Naira should be able to do 1 Kilometer in most areas in the north, because necessary aggregates are very much available at affordable costs. But because of corruption we often escalate the prices, that is why most times government kicks against individuals and religious bodies like churches from doing roads or repairing them

aysnoopy:
I work with FERMA and the amount being used to repair roads alone is alarming not to talk of constructing Virgin roads

broš road construction or repair na cashcow na, the unfortunate part is that the money are always borrowed

oz4real83:
What does it take to graduate from being a "bandit" to a "terrorist"? Are these people not terrorists already? What is the govt waiting for to declare them terrorists? Is the govt afraid to declare them so?

the schemers in power planned the change in name for more penetration

Educationalserv:
During Interview you negotiate salary as a experience employee .if you like call any amount if they need you they pay.
That how recruitment is done .
Some Dundee's come online and say Indians are over paid .they negotiate their salary during interviews
We Local also negotiate our salary no need for any union they ask you what you expected salary and you state it
Same role Candidate A negotiated 6m per annum
Candidate B negotiate 9m
And they where both employed then Candidate A became Jealous after knowing the other pays

What you just raised is the main reason for unionism, except for strategic roles there should not be need for mind games or wages negotiation, it's supposed to be classified and structured. Capitalism always want to extract the best out of people, manipulate them to settle for less until they realize they are being cheated, Unions comes to bring stability to the chaoses Capitalists create. I am actually surprised at how people are praising Dangote as Messiah when he is actually part of the problems, it's totally wrong for a foreigner to be paid higher than a local when in actual sense the local is even well equipped and experienced that the foreigner all because the word expatriates are used

fxexperts:
Don't mind the,m bro. The problem of this country is that we have too many educated illiterates among us, and it shows in most of the comments over here. They so hate themselves, and they always try to align with the oppressors so long as it doesn't affect them personally.A bunch of wicked Nigerians. They will laugh off and mock the victims, rejoicing with their oppressors, thinking it will not get to them someday. Then when i was working in dangote Refinery i was regretting and the general saying we all had was assuming there was a strong union there we would not be suffering what we were suffering in the hands of those indians. I joined them during covid period because i loss my former job then, the pay was so poor i never wanted to join, but because i had a familty to feed i decided to join and the role I took up was been occupied by one of the Indian engineers who resigned because he wanted to go be with his family during the COVID time and they couldnt get another Indian to replace him beacuse of the restriction of travels during the covid time, that was why they decided to contact a Nigerian which was me. Even after they were employed, they were rumouring that there were no Nigerians who could do the job, They were shocked to learn I, a Nigerian, could do the job. I met the indian Engineer before he left, and i got the know that I am far more qualified than him, the same international certificate he holds, i have a higher version of it from the training body in the United Kingdom. and he was even earning 5 times my salary. i imagine the irony. Well, i left very fast because i am not the type who lack job for long. I am an international Engineer.

It's really pathetic bro, Dangote should not be bigger than Nigeria, why should foreigners be paid higher than local experts it's really unfair, how we treat one another

All of you writing nonsense here, will you be happy to be working and you are paid 400k and an Indian that might not be as good as you but your equal is earning $4000. The average of you will quickly join a union that wants to fight for your right. Dangote don begin his damage control

osmerc:
In this stage of my life I need married friends, tired of introvert life. A lot on mind mind.
I need someone to call and chat with. So that my head don't explode with thoughts.

what you need is not married couples but true friends. Marriage should not be a cage, you and your wife should have a weekly outing experience. Also, if you are a Christian find a Bible believing church and be committed, with that you will build relationships.

flokii:
Nice and educative piece..

Dangote right from the onset didn't have good intentions for Nigeria.. part of reasons he sited the refinery in Lekki Free Trade Zone (FTZ).

Like I once said here.. FTZs were originally designed for export purposes only.. reason being that they are free zones, free from checks, fines, regulations from the Nigerian State. It's ILLEGAL for petroleum products from Dangote refinery to be sold in the Nigerian market because it's considered in the face of the law as imported product.

The Northerners have bastardized everything in favour of their brother and it's sad.. the books are there, anybody can verify what FTZs stand for and the laws governing their establishment.

Nigerians should stop using emotions in everything.. Dangote doesn't pay tax to the Nigerian State because of the FTZ but huge chunk of Nigerian tax payers money were diverted to build his refinery. Where is the sense in that?.

It's really pathetic, our kind of monopoly is very wack and unreasonable to me

Gudiza:
If memory serves me correct, the only 'real' Nupe Emirate is that of Pategi they got through thoroughly begging the Colonials after the conquer of Bida.

and I am not sure the present one is a Nupe man. That is their agenda across board even in the east. I saw a video of one guy like that saying he is Emir of Owerri, his father is Fulani and mother an Igbo.

Guys jokes apart

Sorry I am bringing up this matter again

Let me give you guys a thorough economic point of view of the apparent implications of

Dangote actions and why I don't support it

The unnecessary subs from those for and those against aren't necessary

If we don't understand the economic implications of what his actions portends

Therefore in the particular post

I would do two things

To tell you all why what Dangote is doing is a clear and present
danger even unknown to him

And what he should have done as I have previously said in a light hearted manner

Simon Osigwe
Lanre Ayoola
Layi Deinde
Femi Ogunsanwo II
Uzochukwu Oluo
Arogha Shadrach

I am addressing this to you guys and I hope for once

You guys should read it to learn one or two things

This is a dispassionate piece based on the concept of the economics of energy security and I am writing it from an unbiased economic standard point ...

Read and get enlightened

The Economic consequences of a
Business war

When the Dangote Refinery was commissioned, no doubt

it was hailed as Nigeria’s economic turning point.

The promise was bold: the refinery would end our dependence on imported petrol, save the country $10–15 billion annually in forex, create hundreds of thousands of jobs, and strengthen the naira.

Two years later, the refinery is operational.

Indeed Imports of petrol have indeed declined.

Yet the naira has crashed further, jobs in the downstream sector have been wiped out, and Nigerian banks now sit on trillions of naira in risky loans tied to a collapsing value chain.

It is time to look past the hype and confront the two uncomfortable truths:

Indeed the forex savings were an illusion, and the banking system is being pushed toward crisis.

Let's start from

The Forex Illusion

On paper, reducing imports should have strengthened the naira.

If Nigeria no longer spends $10–15 billion annually importing refined products, that demand for dollars should disappear, leaving the currency stronger.

In practice, the opposite happened:

• The naira has collapsed from about ₦750/$ in May 2023 to over ₦1,500/$ in 2025 at the parallel market.

• Reserves remain stagnant at around $32–34 billion, showing no sign of “forex savings.”

Why?

*1. Crude is still priced in dollars.

The refinery buys crude from NNPC and also imports at international benchmark prices.

That means Dangote still requires dollar value — whether directly or through swaps.

We have only changed who pays, not the structure of forex demand

Not to talk about the bigger elephant our dollar earnings have not grown ...

*2. Export earnings don’t return home.*

When Dangote exports diesel or petrol to West Africa, the refinery earns dollars.

But those dollars are not automatically injected into Nigeria’s forex reserves or the official market.

Like other corporates, Dangote can retain forex offshore or use it to service foreign loans

( Remember he is operating from a FTZ)

Dangote can't say of a truth his export proceeds are repatriated 100%

The savings Nigerians were promised never materialize in the system..

But Did he really care?
Story for another day

3. Other pressures outweigh refining gains.

• Nigeria consistently under-produces its OPEC quota.

• More than 40% of oil revenues go to debt servicing.

• Imports of food, pharmaceuticals, machinery, vehicles, and education abroad still drive dollar demand.

4. Subsidy(I don't like that word) changed it's nomenclature

Even with local refining,

ex-depot prices are higher than what government can allow at the pump,

the FGN quietly absorbs the difference under a new nomenclature ...

Forex “savings” are therefore masked by "hidden costs" .

This is the unvarnished truth.

Dangote reduced fuel imports, but the naira kept falling because forex demand is structural and the refinery’s dollars never flow back into Nigeria’s reserves.

Then
The Banking Timebomb....

While the forex illusion plays out,

Nigeria faces another danger: the silent collapse of downstream loans that banks have financed for decades.

Tank Farms Under Siege

Over 200 tank farms and depots were built across Apapa, Ijegun, Kirikiri, and Port Harcourt,

largely financed by Nigerian banks. Each facility cost ₦10–₦20 billion, and collectively banks have ₦2–₦3 trillion tied up in this infrastructure.

Now that Dangote controls refining and wholesale supply, many of these depots are going redundant

Revenues collapse,
but loan repayments remain.

The result: rising non-performing loans (NPLs)

Our banks are in a liquidity mess..


Trucking and Haulage Defaults

The Petroleum Tanker Drivers Association once counted 50,000+ active drivers, supported by thousands of fleet owners.

Each truck cost ₦40–₦60 million, financed through bank leasing and credit.

That’s ₦1–₦2 trillion in exposure.

With over 27,000
Petrol stations nationwide not to talk about floating stations in the coastal regions

As distribution consolidates under Dangote’s logistics arm, smaller truckers lose contracts, and their loans turn sour.

Import and Trade Finance Losses

Fuel imports once generated billions in banking activity:

• Letters of Credit (LCs)
• FX spreads
• Trade finance fees

These were not just income streams but liquidity engines for the banks.

With imports gone, banks lose this business entirely.

*In total, banks face ₦3.5–₦5 trillion in downstream exposure now at risk.

Banks will lose business worth over
₦30 trillion ...

That's were the economic costs of
Dangote's business action is creating for other Industry players within the value chain.

These are the reason I am very displeased

Meanwhile
Please this is

Not an Argument for Returning to Imports

That ship has sailed
the era of fuel imports that cost Nigeria $10–15 billion annually.

That chapter must remain closed.

The real argument is that a refinery monopoly without integration of existing value chains is economically dangerous.

Tank farms can still store Dangote’s products.

Truckers can still haul them.

Traders can still distribute them.

But if these players are excluded,

Nigeria will end up with one powerful refinery on one side, and trillions in unpaid loans choking the banking system on the other.

And job loses in that down stream sector of over 600,000 persons

Now
The Core Question

For every refinery job created,

Nigerian banks face ₦100 million in loans turning bad.
For every dollar “saved” on imports, the naira still weakens because the savings never reach the market.

The Dangote Refinery is an industrial achievement, no doubt.

But unless it integrates downstream value chains and repatriates forex earnings transparently, it risks becoming both a forex illusion and a banking timebomb.

This is the truth Nigerians Deserves to know

The refinery was sold as our economic savior.

In reality, the promised forex savings haven’t stabilized the naira, and the exclusion of existing downstream players threatens the survival of Nigeria’s banks.

If this trajectory continues, the refinery may save Dangote — but it could sink the very financial system that underpins Nigerian businesses and households.

That is the debate we must have, openly and urgently.

For me I have earlier said what he should have done

Let me repeat it

Dangote should
Co-opt all parties in the value chain under a shared Prosperity framework

What he he should have done

He ought to have convoked a stake holders meet with a view to fashion a harmonious working relationship with them and cut deals with them ..

All he needed to do was to enter into an arrangement with NNPCL

lay a 100km pipeline to Mosemi/
Atlas Cove from Ibeju Lekki ....and hook up to the existing NNPC product pipeline grid

And
Just be a "good boy" and be paying thruput fee to PPMC

everybody will love him as a rockstar!

Then undertake to upgrade the existing pipeline grid as his contribution to the enhancement of the
existing Petroleum Pipeline infrastructure in Nigeria -

(The Nigeria I know will give him up to ten year tax breaks for this )

It
Will reduce delivery logistics costs and too many tankers on the highways thus increasing efficiency

They will love him more because it's business for every body .

All the NUPENG members can decide which depot across Nigeria at they would load products instead of all congesting Lekki end with trucks as well as Apapa - they would love him for it ..

Then undertake to either build or collaterise the
Building of a tank farm around Lokoja axis
(Which will also service Asaba/Onitsha)

As a joint venture with pre-qualified selected industry player nominated by IPMAN as the case might be
Not the nepo MRS owned by his cousin for good measure

Where at least 5 dedicated 5kMT barges can deliver products

Where each is making 2 trips a week to service the North.. Asaba/Onitsha

Then also get vessels
To deliver at tank farms in the SS to service the SS and parts of SE

Every body will be happy because they all have business from him ...

He is giving them an opportunity to thrive

Instead the DON KING and wise guy

Who decided to go solo that
went to buy
"one million CNG trucks"
( so that they will be causing congestion and accidents on our highway)

He wants to refine and distribute by him self
in an attempt to cut off others in the value chain ..

Like

NUPENG

Independent Marketers ( whatever names they bear)

Vessel owners

Tank farm owners

Banks/Insurance companies - create a huge default on loans and a resultant financial crisis

And now he wants to face PENGASIN ?

Na only him Waka come?

He should be making friends it's a win win situation for everyone

This alone would create more jobs across logistics construction and support services..

He must learn to

Collaborate
Co-opete ...

Leave small food for others to chop ...that's how you engender shared prosperity...

This is a fight that hurts everyone as a war of attrition...

Wisdom and sanity needs to prevail

This is my candid opinion devoid of bias

And I thank my friend and colleague
Abdulazeez for his very intelligent invaluable
inputs to this post

This is the clear and present danger that we face us if

Dangote isn't checked

Written by Asonumaka Wakama

jaxxy:
This a family problem and should ve settled among themselves.

It's not a family business, this foreign Fulani has set a 20 years target to occupy every part of Nigeria

Exceed15:
That king is a suspect

most Nupe Emirs are Fulanis, Uthman Dafodio do the scam well

Softmirror:
The Saraki's have their roots from Mali. Go and fact check.

they are actually from Abeokuta but claiming Mali for political gains among Fulani hegemony in the north

isyourboy:
We have been together for 3yrs (2 in marriage). We’ve been having some patch ones lately due to finances. Which I told her I’ll sort it and get her the money she want to use. I’d have borrowed but no one did.

Lately, our landlord son is around. He just came back from the Netherlands as he’s been living there for years. My wife started moving very close to him (between we live in a large compound and my landlord has a whole section of the storey building to himself while the tenant share the other two storeys). She got his number and they started chatting on WhatsApp. Will see her giggles and she told me the guy is helping her find free school in Europe.

I had no idea they were sleeping with each other until the beginning of this month. When I knew and asked her about it, she got angry. But i saw a text where she was begging the guy and saying sorry he couldn’t penetrate well. That was the second time they were having sex from the chat. Now she’s angry and went back to her parent house saying I connived with the landlord son to ask her out and accuse her of infidelity.

Mind you it’s been months we last had sex. Which was mainly due to my financial condition.

Is it okay to call her parent and ask them to beg her, at least she can come back home

Google photos used for illustration

Don't beg her oh, go and see her parents and tell them what happened

zikkyozabor:
I have a full time employment but I am looking at starting something on my own along side. What can of business can I start up with 3M that will not require my presence?

What you should focus on is online business that will just require 1 to 2 hours of your time per day. My best advise for you is put the 3 m into piggyvest safelock and get like 22% of the money. Then work with the amount to achieve another 3m upward. If you want to know more chat me up on 08089456258

One of the few that enjoyed Nigeria.

Sirchiboy:
If you’re given ₦2m to turn into ₦10m within one year, what business would you do?

I will create something that will tap into others need of money, something that will make me get 10k that will pay 10k calculate it

Racoon:
Omoyele Sowore was made by the evil establishment. Now he is destabilizing the same evil establishment. This is the law of karma and natural justice.

that is a very big lie, you seem not to know Omoyele. the same one fighting evil people since he was 20 years old, When IBB was about to implement the crazy idea recommended by IMF that is the reduction of universities in Nigeria to about 5 there about, he was one of the chief proponent that protested until the government backed down. What you are misrepresenting are those whom he considered to be allies who are now instead corrupted individuals benefiting from the government pause