₦airaland Forum

Hemanwel:
Happy Sunday to all!

Is it right or proper to use ChatGPT and other AI tool to prepare sermons in church?

Using AI to prepare sermons will lead to uninspired teaching. You need to meditate and prayerfully internalize your message for days in order for that sermon to have any spiritual value. Otherwise, your sermons would be like just another talk.

While you can use AI under your own guidance to structure your sermons for delivery, AI should never replace your need to prayerfully study, meditate and receive revelations from the Holy Spirit for your congregation. Otherwise, your pulpit will give death instead of giving life.

SeeWahala:
Support your EBILokan Oluwole tilumbu jagbajantiz in peace without fear

Throw away shame and support him with your full chest

It's just till January and you can slither back into the oblivion from whence you came and registered this your fresh dàtá b0i akant from

I'm supporting him and I'm proud of what he's doing. Now, go and rest. I don't have the time for trolls. If you have nothing meaningful to discuss like a mature human, I'll ignore you. I'm not in that class.

SeeWahala:
Support your EBILokan Oluwole tilumbu jagbajantiz in peace without fear

Throw away shame and support him with your full chest

It's just till January and you can slither back into the oblivion from whence you came and registered this your fresh dàtá b0i akant from

I'm supporting him and I'm proud of what he's doing. Now, go and rest. I don't have the time for trolls. If you have nothing meaningful to discuss like a mature human, I'll ignite you. I'm not in that class.

SeeWahala:
This is the particular sentence I am interested in

The remaining is just pained rants from being 'found out'

We understand each other so well now don't we 🤗

You understand others in the light of who you are. We're not the same, okay? Find your party mates.

SeeWahala:
Spoken like the APC's supporters who have a tiny bit of shame

I understand you perfectly

I support Tinubu and not any party. And that's based on my assessment of him alone.

Party supporters would never be truthful because they must support their candidates blindly without any objectivity.

I actually understand you fully, just like I understand your lying Obi.

SeeWahala:
Hehehe 😆 🤣 anytime I see an APC miscreant trying hard to make Peter Obi seem like their EBILokan I always have a very good laugh 😃

Keep laughing Jare. I do not belong to any party!

overall90:
When did Soludo reject same offering?
What Solubo has always maintained is he doesn't want commercial bank borrowing.
And have you people forgotten how you lots used to call the south East erosion ravaged because of the years of infrastructure neglect by the central government so how will you expect Obi or any governor at that period to reject such intervention even though we all know it is Greek gift.

You lots are very unintelligent!

Who's saying Obi should reject such intervention? We're saying he lied. Simple! He borrowed loans and Soludo said he's still paying. He should stop saying he never borrowed, because he did. Simple. No one is against a governor borrowing but don't say you didn't borrow when you did.

The Soludo question came because you lied that it was the Federal Government that has responsibilities over the loans.Meanwhile it's a loan that states can voluntarily subscribe to. I am telling you that Soludo has announced that he has not participated in that loan scheme till date. Soludo himself said it. So, Obi too could reject it if he wanted. It wasn't a forced loan as you want us to believe.

Loan is not the problem. The lies are what we're contending.

madridguy:
This is a great news. May Allah bless the resistance force, the Ansarallah group for their great job for the Muslim hummah.

Abi. May the bombs also hit Mecca and destroy the shrine of the moon god who lives in the kabba.

mycar:
is it on record, which record?

Obi is different from his supported candidate, it was left for the people to choose, hence i will ask, Obasanjo and Buhari, who was better?

If Obi had demanded for billions from Obiano, Obiano should have presented the account details that he paid the money into, or the agreement that signed they both or was it a beer parlor discussion or banter?
You should do better than this. I don't engage in gossips, it is for those with low IQ.
And mind you, I have a mixed feeling about the president of Peter Obi, I wish peter obi wasn't an Igboman, because if he becomes the president tomorrow , any slight mistake, good for nothing folks will blame it on anybody that looks like an Igbo person.

Obi is bursted.

It's not a tribal thing but I can assure you, he'll disgrace the Igbo race. Present any better Candice than Obi with a verified record of good governance, Yorubas will vote for him. We're not supporting Tinubu just because he is our tribesman. But because his performance is speaking. I was initially supporting Obu up till shortly after the election. It was Tinubu's performance that endeared me to him. Upon a deeper investigation into Obi's time in office, and his history in general, all I could see what a highly deceptive, cunning, wicked and selfish man. I have his can of worms.

The Obi/Obiano episode is not gossip. It's open knowledge. No need to pretend. Obiano didn't give him anything. I am telling you that Obi even embezzled Obiano's campaign funds. Lol.

The guy is not who he claims to be,, and that's my gross with him. Tinubu is not the best president Nigeria could ever have but he is the best Nigeria ever had till date. If anyone better than Tinubu comes forward with verifiable track records of better leadership, I'll vote for him.

And as I previously queried, if Obi had done well, people would psychologically be attracted to his candidate, no matter the candidate's separate personality.

tuoyoojo:
Let us agree to disagree then

You brought your case
I brought mine

We don't have to see eye to eye on issues

We probably wouldn't had because we are fixed in our beliefs

But then this beauty of democracy

Let voters decide

Yeah, but the differentiation is that, I based my arguments on verifiable facts. You're the one who is being sentimental.

mycar:
how much did peter obi leave in the office including investment?

When Peter Obi left office as Governor of Anambra State in March 2014, he stated that he left behind $150 million to $156 million in US dollar savings (broken down as $50 million each in Access Bank, Fidelity Bank, and Diamond Bank) and roughly ₦36 billion (or ₦25–₦36 billion in various accounts and investments)


did education sector improve
Yes, the education sector in Anambra State improved significantly during Peter Obi's tenure as governor from 2006 to 2014.Key Improvements and ReformsRanking in National Exams: Anambra State rose from 26th place nationally to 1st place in both WAEC and NECO examinations during his administration.Returning Mission Schools: Obi returned the management of missionary-owned primary and secondary schools back to the religious denominations, supported by government funding and grants for effective maintenance.Infrastructure and Equipment: Over 1,040 schools were renovated and equipped with libraries, boreholes for clean water, generators, and over 700 buses for student transportation.Technology Integration: His administration supplied computers to secondary schools and partnered to set up Microsoft Academies with internet connectivity in more than 500 schools.Incentivizing Excellence: Cash rewards and grants were provided to best-performing students, indigenes with first-class university degrees, and institutions to foster healthy academic competition.Debate on New ConstructionCritics have pointed out that the administration focused heavily on rehabilitating existing institutions rather than building new secondary schools from scratch. However, supporters and reports emphasize that the priority was reversing massive infrastructural decay and raising the quality of learning in existing public and mission-backed schools.Further ExplorationRead a summary of the Anambra State Education Rebirth outlining the specific turnaround strategies.Explore a breakdown of Obi's Educational Reforms comparing investments and performance metrics.Check details on the Vanguard Report on Obi's Model detailing the return of mission schools and ICT adoption.

did health care improve?

Yes, Peter Obi improved parts of the health care sector in Anambra State by building a new teaching hospital and funding mission-run medical centers, though public general hospitals also faced criticism and complaints.Major ImprovementsNew Teaching Hospital: Obi built the Chukwuemeka Odumegwu Ojukwu University Teaching Hospital in Awka from the ground up.Mission Hospital Partnerships: His government partnered with churches and spent billions of naira to upgrade private mission hospitals like Iyienu Hospital and Our Lady of Lourdes Hospital. You can read more about these upgrades in Vanguard News.Polio Eradication: He received recognition from the Bill and Melinda Gates Foundation for leading successful polio vaccination campaigns in the Southeast region.Maternity and Child Care: Investments in primary health centers helped improve basic care for mothers and infants.Criticisms and ChallengesNeglect of General Hospitals: Some medical workers and critics argued that state-owned general hospitals did not get enough funding because the administration focused heavily on mission hospitals.Staff Complaints: Civil service doctors complained about slow salary reviews and poor working conditions during parts of his tenure.Further ExplorationExplore a critical review of public hospital funding from the Daily Post Report.Read an overview of health and infrastructure milestones from the Anambra Forum

All lies, and no evidence.

It is on record that hospitals were not equipped so much so that people refused to patronize government hospitals till obi left.

The communities that didn't have schools before obi became governor, still didn't have schools have he left.

If Obi did well truly, why did his candidate lose to Obiano?

He even embezzled Obiano's campaign funds and supported someone else. After Obiano became governor, he started demanding billions from Obiano for supposedly making him governor. Obi is a crook.

overall90:
You people should stop misleading the public.
Anambra state did not obtain any loan.
These are FG external borrowings which are tied to specific projects in certain states and how the beneficiary states are chosen are exclusively the decision of the FG and the lenders.
Peter Obi did not go to FG and said borrow us money.

If they're exclusively the decision of the Federal Government, why is Soludo rejecting those same offerings?

We should believe you rather than believe the DMO, Soludo and Obiano, and the records now already public?

Thank you.

mycar:
you are right that each state will pay it's own loan and each administration has the right to return the loan and not spend it?
I believe we all know the truth but chose to be going round and round.
Peter Obi has never condemned a loan but he is after what the loan is used for, and if you check those loans, they were low interest loans that you could invest wisely and make more profit out of it.
what he left in the office was way too bigger than the debt he left that even his enemies can attest to

He left only 9b naira bro.

The loans he collected for Education and Healthcare, what did he do with them? Nothing improved within those sectors during Obi's tenure. What were the plans used for?

And, no. States don't have to return them. Federal government won't credit the loans to your account except you signed up for them. Every state has the right to reject them. Don't misread the punky by using the word 'return' as though they were forced on obi. He willingly accepted them and then denied, saying he took no loans.

tuoyoojo:
INFLATION

Most of our problems emanated from the abrupt announcement of the subsidy removal without adequate buffers

This is akin to a patient who has a tumor and needs urgent surgery.

The doctor seeing this decides to go drag the patient to the theater and hurriedly tries to cut off the tumor without administrating anesthesia

No matter how good his intentions were , the pain might kill the patient before the tumor does

This is summary of the problem of this administration

All reforms no matter how necessary must be given a human face. That human face is something this administration by its policy seems to lack

With the removal of subsidy and Nigeria's dependance of fuel, the transportation cost fiercely rode on the inflation to high heavens

Agreed I give kudos to tinubu for trying to fight inflation but it was something his policies ignited

It's can be described further using this example . You have 10 blocks and then destroy 8 and then use the rubbles of the destroyed 8 blocks to mold 3.

Then say say that you should be applauded for having 5 blocks when you actually lost 5

With that in mind let us look at this scenario

If a loaf of bread went from ₦1,000 to ₦2,000 and inflation subsequently falls from 33% to 23%, the bread item does not automatically return to ₦1,000. It simply means prices are rising more slowly.

Which means that though the inflation rate has fallen substantially on paper, Nigerians are still paying dramatically higher prices and many households are worse off."

This is the area it digs deep into the pocket of the average akara seller in Nigeria. this is their lived experience. There is nothing tangible you would tell that akara seller that would make her believe that your reforms are working


https://www.google.com/url?sa=i&source=web&rct=j&url=https://businessday.ng/editorial/article/nigerias-inflation-is-falling-but-the-cost-of-living-crisis-is-not/&ved=2ahUKEwjP8ami4fiWAxXUUEEAHS0yGhcQmL8OegoIAggACAAIOxAE&opi=89978449&cd&psig=AOvVaw2Ne11GZk5U09xnk6ZUZGfZ&ust=1789842562341000


EXCHANGE RATE

I read your description of the problem and we can agree that there was need for change. Once again how the "surgery was done is where the problem resides

Once again no buffers were provided to cater for the middle and lower class

The problem is how much of the adjustment in the actual exchange rate was dumped onto households and businesses before the productive economy had adjusted.

Nigeria imports machinery, pharmaceuticals, raw materials, vehicles, electronics, agricultural inputs and many other goods.

A dramatic currency depreciation therefore feeds into:
FX depreciation → higher import costs → higher production costs → higher transport costs → higher food prices → higher household expenditure.

So what would I have done advised tinubu to do differently

I would first a Stabilise the economy without asking poor and lower-middle-income Nigerians to carry most of the stabilisation cost.

He should have improved the purchasing power, not merely working on taxing the living day light out of its citizens. How would this happen, improve power generation, encourage agriculture ( in addition to providing security to farmers)

The main target would be real household income, meaning what a worker can actually buy after inflation.

Tinubu should have established a "cost of living dashboard" tracking food products, transportation ,electricity, rent, school fees, essential medicines,wages,household disposable income; areas that touch the common man


The government should have been reporting these alongside CPI every month.


Why?

Because telling a family that inflation has fallen from 34% to 15% is almost meaningless if their food bill remains twice what it was three years earlier.

I would have advised him to temporarily reduce VAT and import duties on essential food, medicines, agricultural inputs, machinery and critical industrial inputs, while avoiding blanket import subsidies.

https://documents1.worldbank.org/curated/en/099253204222517873/pdf/IDU-3e010784-3371-4dcb-b923-112e98052ed9.pdf

UNEMPLOYMENT
I appreciate the fact that you clearly stated that tinubu has failed howbeit giving the alibi of 3 years is not enough. I rest my case here

ECONOMIC GROWTH
Thank you for your candid assessment. Though there is GDP growth but it's not significant enough to bring any observable change, however, the GDP looks good on paper.

Nigerians population is growing at about 2.5%, therefore a 4 percent GDP growth for a country of over 200 million is not translate on any significant microeconomic achievements... but kudos he is at least doing better than buhari

GOVERNMENT REVENUE AND PHYSICAL POSITION

You posited that government federation revenue has increased but can you really say that it has increased with drastic devaluation of the naira?

Though FAAC in naira has increased but in dollars they are actually receiving way less so Nigerians are worse than what they were prior to the renewed hope agenda . Our hope has not be renewed

https://www.google.com/url?sa=i&source=web&rct=j&url=https://www.researchgate.net/publication/330499969_Revenue_allocation_in_Nigeria_implications_for_sustainable_national_development&ved=2ahUKEwii14SQ7_iWAxXFWEEAHeLFG8IQmL8OegoIAggACAAIHhAX&opi=89978449&cd&psig=AOvVaw1wjnhxIOz-jTBk_1PNHsnb&ust=1789846282079000

PUBLIC BORROWING

I like your candid accessment. Tinubu also failed here too. I nor go talk to much for this one

POVERTY

Your opening statement here is something we have to strongly disagree about. With my previous analogy, tinubu took a Nigeria for surgery without any anesthesia, the results is what we are experiencing

These reforms were implemented by tinubu, if it worked ,n I am sure you would acknowledge tinubu as the author. However, now that it is bitting you cannot shield him from blame.

We cannot cherry pick accolades and look the other way when the consequences of policies comes knocking

On front page of Nairaland there is a write up there, kindly do well to read it

https://leadership.ng/61-of-nigerian-adults-in-severe-liquidity-distress-report/

CHILD MORTALITY
I smiled reading your write up. I am not a wicked person that I would on focus on areas where were tinubu is failing woefully, I would still give him some soft landing

Yes these problems has been there for a long time. My issue is what he is doing to solve it.

Like you know in govt, you inherit assets and inabilities. He has made some progress but we obi people are refusing to give him more time ....yimmu

SECURITY
I want to share a little secret with you when it comes to elections year esp a few months to elections.

There is usually a decrease in incidence of terrorism and terror attacks .

My guess is that those politicians who sponsor terrorist may have diverted their attention to politics so they ask there "boys" to go slow.

So this calm before the storm is just an illusion.

After Jan elections, watch and see what happens

It's the same way power improves due to rains and gets bad during the dry season

Our security has been in its all time low. As a country Our terrorism index have moved from 8th to 4th position . We are the 4th most terrorized nation in the world.

Let that sink

https://www.visionofhumanity.org/wp-content/uploads/2026/03/Global-Terrorism-Index-2026-Report.pdf

In conclusion, the policies may not have had wrong intentions but it was carried out without a human face

What matters to the bricklayer on the street is his lived experience and not this statistics we are referencing right now

The primary responsibility of government is security and welfare of its citizens.

If drastic policies have to be taken, show the people thru your actions that you are feeling the bite just as they are do to.

But where the government lives ostentatious while asking people to tighten their belts, it's makes them doubt the transparency of your actions

If tinubu was giving monthly press interviews and explaining his policies to Nigerians , fighting corruption and not doing selective justice and reducing waste in government, I would have had a second thought about him

This government lacks transparency and accountability

I end by saying this

When you are roasting yam for a blind mind, you must keep talking so that the blind man does not think you are eating his yam

My friend, you have no case.

Inflation reduced from 33% to 23%. Give kudos for that.

Insecurity has reduced too. Give kudos for that too. Or, you have not noticed that the spate of kidnappings and banditary has gone down?

Child mortality has improved. Check my references in my original post

Government revenue and fiscal position has increased. Yes, the exchange rate improving. To understand this, go and find out the actual exchange rate for Naira when it was being defended. Just remove the defense to see the true value.

Rome was not built in a day. I never said Tinubu failed in unemployment. This is still work in progress.

The GDP growth is significant enough because there has been structural failures for many decades. You cannot expect it to leapfrog within a few years when reforms are still taking shape.

Your illustration of the cost of a loaf bread is unsound. You're pricing bread at a time when Naira was being defended versus when it was not. To know the actual cost of a loaf of bread, remove the naira defense for all variables.

Most of your statements are based on emotions with many of them in contradiction with verifiable facts on ground.

Tinubu has done far better than any president who administered Nigeria. You guys won't value good leadership until you lose it.

What exactly did Obi do in Anambra? What we're his achievements order than the fact that he left money for the state with no debt. He left just ₦9b but the lies about him leaving now debts and owing nobodies have been exposed.

Obi was a very wicked governor that Anambrans were cursing during his tenure. Someone who collected huge loans for education and healthcare but yet didn't do anything whatsoever for those sectors other than returning schools to missionaries.

edogu:
"I have taken some time to research on the loan descriptions as released by the Anambra State Government which they claim PO as Governor signed off and my findings are as follows:

1. The Nigeria Malaria Control Booster Project (MCBP) 2007:

This was financed through a US$180 million IDA credit from the World Bank to the Federal Republic of Nigeria, not a loan independently taken by the Anambra State Government. The World Bank records say the original IDA credit was approved in December 2006 and became effective on May 15, 2007.

Anambra was one of the seven participating states, along with Akwa Ibom, Bauchi, Gombe, Jigawa, Kano and Rivers.

VERDICT: FG was the borrower not Anambra State Government.

2. Fadama III:

This project was a World Bank/IDA-financed project for Nigeria. The World Bank's project documentation identifies the Federal Republic of Nigeria as the borrower, not Anambra State.

The original Fadama III project was approved in 2008. The World Bank records the project period as 2008–2013 and the original IDA financing as US$250 million.

Anambra was one of the states participating in the project. World Bank records specifically identify an Anambra State Fadama III Project, financed through IDA Credit No. 45960.

Therefore, describing the Anambra Fadama III programme simply as "a loan taken by Anambra State Government in 2007" would be misleading. The underlying World Bank borrowing was at the Federal Government level.

VERDICT: FG was the borrower not Anambra State Government

3. Health Systems Development ll (ADD FIN.)

The financial document listing Nigeria's state-level IDA obligations records “Health Systems Development” Anambra State, with a signing date of August 22, 2003, an amount of XDR 4,831,046, and a 0.75% service charge.

The same document separately lists Health System Development Project II (Additional Financing) for Anambra, so the 2009 reference may relate to the additional financing/HSDP II, rather than the original HSDP.

Anambra-specific records confirm that Health System Development Project II was World Bank-assisted, with activities being implemented in the state.

VERDICT: It was an FG project benefiting Anambra State. The Original document was signed in 2003 and 2009 was just an additional financing of the 2003 signed document.

4. The State Education Program Investment Project (SEPIP):

It started in 2013 and included Anambra State. However, the World Bank documents identify the Federal Government of Nigeria as the borrower, not Anambra State Government. The original financing was a US$150 million IDA credit to the Federal Republic of Nigeria, with funds disbursed to Anambra, Bauchi and Ekiti through subsidiary financing agreements.

The World Bank's financing agreement for the original SEPIP is Credit No. 5220-NG, dated April 16, 2013.

VERDICT: FG was the borrower not Anambra State.

5.The Community and Social Development Project (P090644):

This project became effective in February 2009.
The World Bank's project completion report identifies the Federal Government of Nigeria as the borrower of the original IDA financing. The original commitment was SDR 121.5 million (US$200 million equivalent).
Anambra was just one of the participating states.

6:The Nigeria Erosion and Watershed Management Project (NEWMAP):

This project was approved by the World Bank in May 2012 and became effective in September 2013.

The original financing agreement was between the International Development Association (IDA) and the Federal Republic of Nigeria, for US$600 million.

Anambra was one of the participating states and had its own State Project Management Unit (SPMU) implementing the project.

Anambra's project documents explicitly refer to the funds as part of the Federal Government's IDA credit. A 2014 procurement notice says the Federal Government had received the credit.

VERDICT: FG was the borrower not Anambra State Government.

7. The Value Chain Development Programme (VCDP):

Records shows VCDP was approved by IFAD in April 2012, not 2013.
The financing agreement was between the Federal Government of Nigeria (FGN) and IFAD, signed in August 2012.
The programme became effective in October 2013.

The original programme covered Anambra, Benue, Ebonyi, Niger, Ogun and Taraba.
The original financing included an IFAD loan of US$74.4 million, an IFAD grant of US$0.5 million, plus counterpart contributions from the Federal Government, participating states, LGAs and beneficiaries.

IFAD's documentation specifically describes the loan agreement as being between FGN and IFAD.

VERDICT: FG was the borrower not Anambra State Government.

OVERALL VERDICT:

All the project listed by the Soludo led Anambra State claiming that it was financed by loan independently taken by Anambra State Government under Mr. Peter Obi are 100% false and misleading. Verifiable World Bank records shows FG was indeed the borrower while Anambra State under Obi participated and benefited just like some other states.

Mudi Mudi ✍️"

If you look at the above data you will observed the approval mostly took place during Obi time but money were mostly not disbursed until after Obi tenure and few during Obi came when his tenure was about to over and not executed.

It should be noted Obi left office March 17, 2014, and most money has not be disbursed before leaving office.

More importantly, from further research, the loan the Federal Government borrowed was not even available while Obi was in office except the ecological fund which came during end of Obi tenure and not executed for the project.

The money was only earmarked and approved during Obi's tenure. The ecological fund portion came in when Obi was almost leaving office, and he deliberately did not spend it because government is a continuum. In fact, most of the funds did not arrive until after he had left office, but they were still credited to his era.

The bulk of the money actually came in during Obiano's time, and Soludo is wittingly misleading the public.

https://www.facebook.com/share/p/1cNxh1dhUX/

Soludo is not misleading the public. Each state has the responsibility to pay the loan. The FG won't pay for them. Hence, it's the debt if the state and not the debt of the Federal Command.

It is not compulsory for any state to obtain the loan. This loan types are still available today. Soludo is rejecting them. But Peter Obi accepted them during his tenure. Stop misleading the public. They're Anambra debts. Not Federal government debts.

Mind you, Soludo said they're paying off those loans till today.

And upon all the loans obi collected for healthcare and education, hospital were not equipped, and so many communities had no single school til obi left government. He left them the way he met them. What did he do with the loans?

Galapagous:
You can dodge all you want, a government that is not accountable or transparent to how his administration handle it's finance isn't fit to call itself government. if you have no concern on who and how public fund is handled and utilized under your watch, them you have no business saying you want to serve the people.
✌️ Peace out.

Smiling.

You've now jumped into accountability. That's not what we're discussing. You can create another thread for that.

tuoyoojo:
Thank you very much my good friend.
I appreciate the time you took to write this rebuttal and I must commend you for being as courteous as possible. I believe we had have divergent views with out necessarily being enemies

So let's dive right in

INFLATION
Most of our problems emanated from the abrupt announcement of the subsidy removal without adequate buffers.

There could not be buffers because the subsidy itself was based on borrowed money. The coffers were already empty. Money was being borrowed to subsidize fuel for 4 nations. And I am sure, Nigerian fuel would have been exported as far as Ghana from by Benin Republicans.

The announcement was strategic because it was targeted at the mafias who would have never allowed subsidy to be removed. Moreover, there were no rooms for buffers from an empty account.

To be continued pls.....gat tons of work to be done

Alright, my friend.

Take your time.

Galapagous:
So the VAT increment idea was coined from who precisely. Because the same data you point to as reference to the economic performance of Nigeria from world bank also include solution to them, these solutions are not new, they have been introduced long before now.

Who exactly is chagoury to your man, and who own all the contract he got from doing business with the British. The contract to reform the tin can island plus other project executed under tinubu/APC/ACN era. Maybe the name of the company will ring a bell. Now tell me, chagoury is a criminal, we all know that, he help launder money during the abacha era, plus other crime which I really don't want to dive into. How will someone of such profile be trusted with such project, if your so called jagaban has his own voice and ways.
I can give you other criminals running in office in this administration.

You're mistaken. There was nothing like VAT increment And there's no evidence that Tinubu followed any IMF or World Bank idea on taxation. Tinubu himself has been an advocate of taxation since he was governor of Lagos. The truth is that VAT cannot be said to have been increased under the new tax reforms except you don't understand what was actually done. We were paying more in VAT before the reforms because there were multiple taxation without any form of organization. The new tax reforms consolidated taxes and made the whole tax system coherent. Unlike what was obtainable before the reforms. So, your position on that is grossly erroneous.

Chagoury is of no concern to me except you want to deviate from the main discussion. Whether he's a criminal or not is not my concern, since he is not the one running the country. If he delivers on the jobs given to him, that's fine. And I don't think any court has ever convicted him. Your 'criminal' tag is your own invention.

Fujiyama:
^^^
Wrong video.

The video we need was done here in Nigeria.

The person who initially spoke about the speech said Chattam house.

Well, we are taking about results, not speeches.

Galapagous:
You forgot one key ingredient, the IMF and world bank cannot be a tool for African liberation. Their policy was what put us here in the first place. Same IMF and world bank who gave an advice on their website and quickly removed it.
If you understand imperialism and neocolonialism, you will obviously find another source to verify everything that comes from them.
It's a playbook that have been ran countless of time, take Thomas Sankara of burkina faso as an example who achieve sovereignty outside load and borrowing and what they did to his administration. Gandafi in Libya, and the countless death trap on traore and the sahel.

Tinubu is dancing to their tune(floating the currency, devaluate the Naira and extreme borrowing), he has to, they've gotten his drug case history with them, so they have all means to put these up, I don't have to tell you, most of these loan comes with agreement not available to the public and to be paid back by generations to come.

I am not saying obi is a saint, neither is atiku and his money laundering history using his wife name in the past. Truth is, I don't even see anyone preaching breaking away from neocolonialism. But I am sure tinubu ain't doing anything substantial and nothing can convince me the economy wouldn't have been navigated better btw 2024 and now. If you need fact I could provide them, outside the wall of world bank and the IMF.

Like you said, no insult, just pure dialogue.

I have not discussed anything that supports making world bank or IMF as tools for Nigerian or African liberation. They hold accurate stats for the economy of all nations, and any reference to their stats should be separated from their policies.

And no, Tinubu is not dancing to their tunes. They didn't decide the economic direction or reforms that this administration has embarked on. Tinubu has NEVER been a puppet. Right from the very days of the military Juntas whom Obi served, Tinubu has always had his own voice and ways.

Fujiyama:
^^^
Share the full video then.

Since you want us to go there, we will.

The man was asked a direct question and he gave a very unsatisfactory response. Where does 'context' come in here? Haven't we learned anything from Daniel Bwala's misadventure?

If you keep dragging this matter it is only going to get worse.

What's going to get worse? That's really funny! Getting worse as if we're not seeing the improvement in security, or because those are the only words Tinubu ever spoke online?

Here's the full video here:
https://www.youtube.com/watch?v=Yq___9Cc4D0?si=IdFjPJQuvK1S-M_F

Fujiyama:
^^^
It doesn't matter.

BAT was asked a simple, direct question about insecurity in the country he leads.

His response was bad. Completely off topic.

Nobody should try to spin this. It will only make things worse.

You can't make that conclusion without having the entire context. A video that was cut off from his entire context cannot be the basis for sound judgement. That's not all.he said on the issue.

Fujiyama:
^^^
No.

The video isn't about Chatham House.

Although the Chatham House episode was also a calamity, the video shows BAT's response to a question on security - asked by a journalist here in Lagos. BAT's response was very poor.

It's not the entire response. The video was longer than that.

Fujiyama:
^^^
There was nothing edited about that exchange.

He gave a terrible answer to a very relevant question. Just admit he goofed.

You mean that was the whole Chattam house video? You cannot claim he gave a terrible answer without the whole context.

tuoyoojo:
Thank you kind sir for volunteering to school me on the economy

I like you already!!


Let's discuss like adults without throwing insults

Kindly give me microeconomics indices bothering on our inflation rate,unemployment rate, exchange rate and security elucidating how the first class accountant has improved the life of the average Nigerian in the last 3 years

While you are at that, kindly comment on our poverty rate, public borrowing habits, health in terms of nutrition and child mortality rates, life expectancy , school attendance and basic standards of living during the tinubu lead APC government and juxtaposing it with how other government other governments in power fared to give it context

Since you said food prices are not yard stick of measuring the economy, in your own accessment give facts and figures to show the life of the average man on the street is better with your first class accountant using other indicators

Since you said the video of him rambling when asked about insecurity is editted, kindly provide the "unedited" video

I humbly wait for your kind rebuttal

Like I said , let facts and statistics speak no just mere verbosity

P.S

While you are at that, kindly chill with this short clip of ur president mocking the statistics that you would be desperately trying to use to defend him

Tinubu went from “Na Statistics We Go Chop” to dishing out fake statistics to cover his failures! That man does not deserve a second term! https://t.co/MrEEKXLPNB pic.twitter.com/ZF6YnpE01O

— Jaypee (@JaypeeGeneral) July 28, 2025

Mr obident, this is the kind of debate I like. No insults, no propaganda. Just facts.

But let us also be careful about what the facts are actually saying.

You asked me for inflation, unemployment, exchange rate, security, poverty, borrowing, nutrition, child mortality, life expectancy, school attendance and standard of living. Fine. Let's take them one by one.

1. INFLATION

I never said inflation is good, but there's no disputing the fact that it has improved under this regime. The prices of foods in the market is not due to inflation but due to the exchange rate. And the exchange rate is the way it is because dollar is no longer being subsidized. How can you be borrowing dollars to subsidize dollar, petrol and electricity? Do you know how Benin Republic, Cameroon and Niger were protesting our subsidy removal? How can we be subsidizing for all those nations - and with loans!

I have said that you cannot use the present price of food in the market to conclude that the economic indicator has deteriorated.

The World Bank says Nigeria's inflation fell from 33.2% in 2024 to 23.0% in 2025. The IMF's 2026 assessment puts the average 2025 CPI at 23.0%, compared with 33.2% in 2024, and says the disinflation process continued into 2026 before renewed external food and fuel pressures. Yes, 23% inflation is still high but the improvement from 33% is highly commendable. The direction of inflation has changed. And that distinction matters.

[World Bank — Nigeria Development Update](https://www.worldbank.org/en/country/nigeria/publication/nigeria-development-update-ndu)

https://www.worldbank.org/en/country/nigeria/publication/nigeria-development-update-ndu

[IMF — 2026 Nigeria Article IV](https://www.imf.org/en/news/articles/2026/06/09/pr26190-nigeria-imf-executive-board-concludes-2026-article-iv-consultation-with-nigeria)

https://www.imf.org/en/news/articles/2026/06/09/pr26190-nigeria-imf-executive-board-concludes-2026-article-iv-consultation-with-nigeria

2. EXCHANGE RATE

Here again, let's deal with facts rather than emotions.

Tinubu inherited a heavily distorted FX system. On June 14, 2023, the CBN moved to a willing-buyer/willing-seller framework and unified the previously segmented FX market.

Was the immediate consequence painful? Absolutely.

Did the naira initially lose enormous value? Absolutely. And that's because its initial value was fake. Subsided value is fake value. 

But the question is whether the reform subsequently produced a more functional FX market.

The IMF says the exchange-rate liberalization, together with the other reforms, improved FX market functioning, rebuilt external buffers and resumed portfolio inflows.

And something very interesting happened in 2025: according to the IMF, the official end-of-year naira rate actually appreciated from about ₦1,535/$ at the end of 2024 to ₦1,435/$ at the end of 2025. It currently stands at ₦1,333.

So if somebody tells you the naira has simply been in an uninterrupted free fall since Tinubu came into office, that is not the truth. If Tinubu was defending the naira as previous administrations did, the value would have certainly look improved but the country itself would be drawing nearer to its grave.

[CBN — FX Structure and Management](https://www.cbn.gov.ng/intops/FXStructureAndManagement.html)

https://www.cbn.gov.ng/intops/FXStructureAndManagement.html

[IMF — Nigeria 2026 Article IV Report](https://www.imf.org/en/publications/cr/issues/2026/06/08/nigeria-2026-article-iv-consultation-press-release-staff-report-and-statement-by-the-576681)

https://www.imf.org/en/publications/cr/issues/2026/06/08/nigeria-2026-article-iv-consultation-press-release-staff-report-and-statement-by-the-576681

3. UNEMPLOYMENT

This one needs honesty.

The NBS reported unemployment at 5.3% in Q1 2024, compared with 5.0% in Q3 2023. In Q2 2024 it fell to 4.3%.

So I am not going to stand here and tell you Tinubu has magically solved unemployment.

He hasn't.

But there is another important issue: Nigeria changed its labour-force measurement methodology, so you cannot casually take the old unemployment numbers from previous administrations and put them beside the new ones as though they were generated under exactly the same methodology.

The NBS itself is the place to check the numbers, not Twitter.

[NBS — Nigeria Labour Force Survey Q1 2024](https://www.nigerianstat.gov.ng/pdfuploads/NLFS_Q1_2024_Report.pdf)

https://www.nigerianstat.gov.ng/pdfuploads/NLFS_Q1_2024_Report.pdf

[NBS — Nigeria Labour Force Survey Q2 2024](https://www.nigerianstat.gov.ng/pdfuploads/NLFS_Q2_2024.pdf)

https://www.nigerianstat.gov.ng/pdfuploads/NLFS_Q2_2024.pdf

And again, 3 years is not enough to fix unemployment. However, there evidence that the government is gradually resolving the issue. Unemployment is a global issue, not a Nigerian thing. 

4. ECONOMIC GROWTH

This is where your argument becomes difficult.

The World Bank reported that Nigeria's GDP grew 3.4% in 2024, with Q4 growth of 4.6%. It described 2024's full-year growth as the strongest since 2014, excluding the COVID rebound years.

The IMF estimates real GDP growth at about 4.0% in 2025.

Again, nobody should pretend 4% growth suddenly makes Nigeria Switzerland. But it is growth, and it is happening alongside a substantial improvement in the government's fiscal position.

[World Bank — Building Momentum for Inclusive Growth](https://www.worldbank.org/en/news/press-release/2025/05/12/afw-nigeria-building-momentum-for-inclusive-growth)

https://www.worldbank.org/en/news/press-release/2025/05/12/afw-nigeria-building-momentum-for-inclusive-growth

[IMF — Nigeria 2026 Article IV](https://www.imf.org/en/news/articles/2026/06/09/pr26190-nigeria-imf-executive-board-concludes-2026-article-iv-consultation-with-nigeria)

https://www.imf.org/en/news/articles/2026/06/09/pr26190-nigeria-imf-executive-board-concludes-2026-article-iv-consultation-with-nigeria

5. GOVERNMENT REVENUE AND FISCAL POSITION

This one is particularly interesting.

According to the World Bank, Nigeria's consolidated fiscal deficit fell from 5.4% of GDP in 2023 to 3.0% in 2024.

At the same time, Federation revenues rose from approximately ₦16.8 trillion in 2023 to ₦31.9 trillion in 2024.

That is not a small movement.

You may argue about how the government spends the additional revenue. Fair argument.

But you cannot honestly argue that nothing changed in the government's fiscal position.

The World Bank documented the improvement.

[World Bank — Nigeria Development Update, May 2025](https://www.worldbank.org/en/news/press-release/2025/05/12/afw-nigeria-building-momentum-for-inclusive-growth)

https://www.worldbank.org/en/news/press-release/2025/05/12/afw-nigeria-building-momentum-for-inclusive-growth

**6. FOREIGN RESERVES**

The IMF says Nigeria's gross international reserves increased from approximately **$40 billion at the end of 2024 to $46 billion at the end of 2025**, while net international reserves increased from $23 billion to $35 billion.

That is important because reserves are one of the buffers protecting a country against external shocks.

Again, these aren't Tinubu's campaign statistics.

These are IMF numbers.

[IMF — Nigeria 2026 Article IV](https://www.imf.org/en/news/articles/2026/06/09/pr26190-nigeria-imf-executive-board-concludes-2026-article-iv-consultation-with-nigeria)

https://www.imf.org/en/news/articles/2026/06/09/pr26190-nigeria-imf-executive-board-concludes-2026-article-iv-consultation-with-nigeria

7. PUBLIC BORROWING

Here I will agree with you that Nigeria's debt problem deserves scrutiny.

I am not going to pretend otherwise.

But again, debt stock by itself doesn't tell the entire story. You have to look at debt-to-GDP, interest costs, revenue, maturity structure and what the borrowing is financing.

The IMF estimates Nigeria's public gross debt at **39.3% of GDP in 2024 and 36.1% in 2025**.

But it simultaneously flags something very serious: interest payments remain extremely high relative to Federal Government revenue.

So this is not an area where I will tell you "Tinubu has solved it."

He hasn't.

The more accurate statement is that the fiscal position has improved in some dimensions while debt-service pressure remains a major problem.

[IMF — Nigeria 2026 Article IV Report](https://www.imf.org/en/publications/cr/issues/2026/06/08/nigeria-2026-article-iv-consultation-press-release-staff-report-and-statement-by-the-576681)

https://www.imf.org/en/publications/cr/issues/2026/06/08/nigeria-2026-article-iv-consultation-press-release-staff-report-and-statement-by-the-576681

And the Debt Management Office publishes the actual debt stock year by year, so anybody can check it.

[Debt Management Office — Nigeria Public Debt](https://www.dmo.gov.ng/debt-profile/total-public-debt)

https://www.dmo.gov.ng/debt-profile/total-public-debt

8. POVERTY

You cannot blame Tinubu for increased poverty in the land because there's no way anyone will introduce economic reforms without the reforms bringing in temporal side effects. Real individual wealth is not measured by subsidies enjoyed by the individual citizens of a nation. Real wealth stands unchallenged when your purchasing power is tied to the value you can provide and not to the subsidies you enjoy.

Yes, the World Bank estimates that about **63% of Nigerians were below the national poverty line in 2025**, up from about 61% in 2024.

The IMF also cites 63%.

And 61% to 63% is a minimal negative change compared to the overall positive effects the economic reforms are already delivering. Just last month, the German government testified that Nigeria has suddenly become investable again. Goldman Sachs and several other financial institutions around the world have praised the current elevation of Nigeria's economy within the international economic community.

This administration has tried. Yes, people are still poor. The effects of reforms can take years to materialize, but everyone must understand that **four years is not enough to undo the structural errors of many decades**.

You cannot spend decades building distortions into an economy and expect three years of restructuring to immediately put money back into every household.

The World Bank itself makes essentially this distinction: macroeconomic stabilization has improved, but household incomes have not yet recovered sufficiently and poverty remains high.

That is not me talking. That is the World Bank.

[World Bank — Nigeria](https://www.worldbank.org/ext/en/country/nigeria)

[IMF — Nigeria 2026 Article IV](https://www.imf.org/en/news/articles/2026/06/09/pr26190-nigeria-imf-executive-board-concludes-2026-article-iv-consultation-with-nigeria)

https://www.imf.org/en/news/articles/2026/06/09/pr26190-nigeria-imf-executive-board-concludes-2026-article-iv-consultation-with-nigeria

9. CHILD MORTALITY, NUTRITION AND EDUCATION

Now this is where your question actually exposes a problem with trying to attribute every social indicator to whoever happens to be president for three years.

UNICEF's data show Nigeria's under-five mortality rate has been declining over the long term: from about **207.6 deaths per 1,000 live births in 1990 to 115.6 in 2024**.

So are you seriously suggesting that Tinubu personally caused the entire decline from 1990?

Of course not.

Likewise, Nigeria's nutrition and education problems did not begin in 2023.

UNICEF's 2024 assessment says Nigeria has made progress in areas including child mortality and immunization, while simultaneously documenting serious continuing problems in nutrition, education and poverty.

For example, about 40% of children under five are stunted and 8% are wasted.

Those are enormous problems, but they are structural Nigerian problems, not problems that suddenly appeared on May 29, 2023.

[UNICEF — State of Nigeria's Children 2024](https://www.unicef.org/nigeria/reports/updated-situation-analysis-nigeria-2024)

https://www.unicef.org/nigeria/reports/updated-situation-analysis-nigeria-2024

[UNICEF — Nigeria child mortality data](https://data.unicef.org/country/nga/)

https://data.unicef.org/country/nga/

10. SECURITY

Nigeria still has a serious security problem but in all honesty, there has been a drastic decline. Previously, news of Fulani Herdsmen, Bandits, Boko Haram, Lukarawa, ISWAP, etc graced the headlines virtually EVERY DAY. No week ever passed without some bad news happening in multiple places. That situation has changed today. How many bad news have you heard this month or even this week, today being Friday already.

Yes, security is still one of the major remaining risks to economic activity. However, it would be dishonest for anyone to say the situation has not changed at all.

But there is another question: did insecurity begin with Tinubu?

Obviously not.

Boko Haram, banditry, kidnapping, Fulani Herdsmen and communal violence existed under Jonathan and Buhari and, in different forms, long before them without declining.

The proper question is therefore whether the security situation has improved or deteriorated over specific periods and regions, using a consistent dataset.

That's a much more serious debate than throwing one viral video at each other.

[ACLED — Nigeria data](https://acleddata.com/country/nigeria)

https://acleddata.com/country/nigeria

11. LIFE EXPECTANCY

Same principle.

Life expectancy is a long-term population-health indicator. It is not a sensible instrument for declaring that one president has transformed Nigeria after three years.

The same applies to maternal mortality, child mortality, nutrition, school attendance and basic sanitation.

You have to examine the long-term trajectory, the baseline inherited by the administration, and the specific policies being implemented.

Otherwise every president gets credit for every improvement and blame for every deterioration that occurs during his tenure.

That isn't serious statistical analysis.

---

And finally, your video.

You asked me for the unedited video of Tinubu's response on insecurity.

Fair enough.

I am not going to manufacture an "unedited" video just to win an argument.

The widely circulated 2026 clip is available in longer form here:


https://www.youtube.com/watch?v=r4q9uDhKXO0

And Nairaland itself has the discussion and the embedded video here:

https://www.nairaland.com/8680111/tinubus-answer-reporters-insecurity-question

If somebody has a longer original recording from the event, let's put both versions side by side and establish exactly what was removed.

That's how facts work.

---

And one final point.

You asked me to demonstrate that the average Nigerian is better off.

I cannot honestly demonstrate that across every household-level measure. The World Bank itself says household incomes have not yet recovered fully and poverty remains high. Rome was not built in a day.

But neither can you take those facts and conclude that every reform has failed.

The international evidence is actually much more nuanced:

The macroeconomic foundation has improved substantially, while the social benefits of that stabilization have not yet reached enough Nigerians.

That is precisely why the World Bank says Nigeria now has an opportunity to convert stabilization into broader improvements in livelihoods.

And that, my friend, is the part of this debate I think you are missing.

Nigeria didn't arrive at this point in 2023.

The structural problems accumulated over decades.

You don't reverse decades of fiscal distortion, FX distortion, weak revenue collection, infrastructure deficits, insecurity, human-capital deficits and dependence on oil in three years.

Four years is not enough to undo the errors of many decades.

But three years is enough to tell whether a government has begun changing the direction of the machinery.

And on that particular question, the IMF and World Bank are already documenting substantial changes.

Let's continue with the figures.No insults.No propaganda.Just verifiable numbers.

tuoyoojo:
Balablu speaks intelligently?

Pls humour me

He was asked about the security of the nation

Did you listen to his response

Before I start discussion, I ask myself "Does this person have the ability to hold an intellectual discussion based on facts"

You said tulumbu is a first class graduate " do the nigerian economy look

The first class that was probably forged.

The same way he forged his primary and secondary schooling

Do you really want to debate me on this? I really love teaching obidents lessons of their lives on this Tinubu matter!

Yes, the economy reflects his first class intelligence!

Food prices and cost of goods are not the yardsticks for measuring the economy! Items are more expensive in developed countries than in Nigeria, but their economies are better than ours.

A country that has been defending the naira since 1999 and spending scarce resources on petroleum and electricity subsidy while sacrificing our much needed development CAN NEVER become a developed nation.

There are thousands of speeches Tinubu has made on the Internet. An edited security question speech cannot be the standalone speech that gives him his whole intellectual identity.

tuoyoojo:
Remember when he went Chatham house with his crew to answer questions because he had nothing to say

It is not as if he doesn't want to grant interviews, if he dares it, it would be a total fiasco

Tinubu also speaks intelligently. Far above Obi. It's not as if his speeches are not on the Internet. Tinubu himself is highly intelligent and that justifies the fact that he graduated university as a first class student.

QuinQ:
So as not to confuse you and you go off on a tangent again.
Because I know, a genius like you, the longer it is, the less likely you'd read it and actually get the gist!

Yawning.

Very childish response.

Dalohad:
So therefore, we should leave PO and vote for your renowned ogbologbo 'Kirimina' like Tinubu who openly loots public money in bullion vans?

Peter Obi is the best alternative to that fraudulent ogbonge Ole buruku in Aso rocks who can't openly tell us where he went to primary and Secondary schools in Nigeria..

Nigerians are now investigating the female Bola Tinubu whose credentials were used in Chicago by Amoda eleribu apply for CSU admission..

Shouting that 'Releasing my files will cause me irreparable damage', can't save him.

Supporters of fraudulent and criminal politicians, when time reach una go know..

Continue selling your children's future for a few measly nickels to sing the stolen mandate song..

All.your criminal allegations against Tinubu are just propaganda! There's no record anywhere that verifies Tinubu as a criminal.

Obi is the criminal who obtained loans in billions of dollars for education and healthcare but still left hospitals unequipped and also left many communities without a single school. This is a verified account from the Anambra state government itself. Your love for Obi is simply tribal.

No president from 1999 till date has performed as excellently as Tinubu! If you're sure of yourself, create a thread and debate me on this!

Costly food items is not how good government is measured. Food is extremely more expensive in developed countries but they're still better countries economically than Nigeria.

QuinQ:
Mixed-up genius, see below

Why did you cut off the other parts of the screenshots you shared? Are you ashamed of what they said?

QuinQ:
Sorry, you folks are simply too mixed up for me. Religion can truly mess people up. This is why Nigeria is about the most corrupt country you’ll see despite having a church at every corner and countless mosques.
One is stuck on "empathy" not being source of morality without defining empathy
The other is so mixed up by JW that he actually can't reason straight anymore but doesn't realize it.
The other is so mixed up he doesn't see the absurdity of comparing his extremely religious but extremely corrupt country to a country where things actually work and 99% of his people would do anything to move there!

READ THE SCREENSHOTS BELOW!
There is basic human sense of decency that is totally independent of religion. That is why human beings don't have sex in the open like other fellow animals. That is why human beings cover their private parts unlike other animals. None of that has anything to do with religion.
I think you folks are confusing decency with morality. People's sense of decency vary and may or may NOT be due to religion. One person may be extremely repulsed by someone sticking their finger in their nose in public, while another won't mind at all. In some Western countries a woman breastfeeding in public is considered very indecent and banned by law, but we totally see nothing wrong with it in Nigeria. None of that has anything to do with religion but with the person's or society's developed sense of decency!

So wether a parent accepts a good but half naked man for his daughter depends on the parent's developed sense of decency and that sense of decency may be due to religion and also may NOT be due to religion at all!

**In China members of CCP are bared from holding religious beliefs or belonging to any religion, EVEN PRIVATELY. Everybody of note or of any influence is a member of the CCP. It has 107 million members

Says someone who says China is atheist because of 102m people in a 1.4billion population. Someone who thinks it's common sense to conclude that the 102 million people are heads of households and therefore therefore, their religious positions are that of their households.

Who is messed up? Someone who claims empathy as morality to defend against the source of morality? I have asked you to tell me how empathy is morality if morality is the knowledge of right and wrong according to your own screenshots.

BATified2023:
Tell me y anyone will still support this man if not for tribalism, look at how a governor of his state brought out evidence to buttress what we all have been saying since all these years.....


Forget those supporting this guy are doing so simply because he's their brother, if obi isn't their brother they won't support him.

This man is a glaring failure, imagine all sectors been dead n they want us to see him as messiah?

Tribalism will finish us in this country

You did not notice that he obtained loans for education and healthcare, yet the report says he did nothing to improve education and healthcare. Many communities didn't have schools. Hospitals were not patronized because they were not equipped. Yet, this fraudulent man borrowed in billions of dollars for these same sectors.

I just hope you could update your frontpage comment to expose these criminalities of the packaged fraud.