₦airaland Forum

Many people are happy that food prices are coming down. On the surface, it looks like good news. But there is a serious danger most people are not talking about.

Cheaper food is good for consumers, but not always good for farmers
While buyers enjoy relief, many farmers are selling at a loss.

Cost of farming is still very high
Fertilizer, diesel, transport, labour, and insecurity are still expensive. Prices fell, costs did not.

Farmers are losing capital
Most Nigerian farmers use money from the last harvest to fund the next season. Losses now mean no money later.

Many farmers may not plant next season
When farmers cannot afford seeds, fertilizer, or labour, they reduce production or quit entirely.

This leads to future food shortages
Less planting today means less food tomorrow, which will push prices up again.

Nigeria has no strong price support system
There are no effective minimum price guarantees or working buffer stock programs to protect farmers.

Poor storage forces distress sales
Because farmers can’t store food, they rush to sell during harvest when prices are lowest.

Middlemen and traders also suffer losses
Oversupply and weak demand affect the entire value chain, not just farmers.

Price instability scares investors away
Serious investors avoid agriculture when prices swing wildly from profit to loss.

Low prices today can mean hunger tomorrow
If farmers collapse, Nigeria will depend more on imports and face worse food inflation later.

Bottom line:
The problem is not high prices or low prices. The real problem is unstable prices.
If Nigeria does not protect farmers now, today’s cheap food will become tomorrow’s food crisis.

No Refund Policy Statement Is Illegal in Nigeria

Good day house,

I see many businesses in Nigeria boldly writing “NO REFUND AFTER PAYMENT” on receipts, tickets, flyers, websites, and even shop walls. A lot of people believe once they pay, that’s the end of the matter. That belief is wrong in law.

Under Nigerian law, a blanket no refund policy is illegal, null, and unenforceable, no matter how loudly it is advertised.

What the Law Says (Very Clear)

Nigeria has a specific law that protects consumers:

Federal Competition and Consumer Protection Act (FCCPA), 2018

This Act applies across Nigeria and overrides any private business policy.

Key Sections:

Section 120 FCCPA
Gives consumers the right to cancel advance bookings or reservations and receive a refund, subject only to a reasonable charge.
A business cannot say “no refund at all.”

Section 122 FCCPA
Where goods or services are defective, unsafe, substandard, or not as described, the consumer is entitled to a full refund.

Section 127 FCCPA
Prohibits unfair, unreasonable, or unjust contract terms.
A one-sided “no refund” clause is unfair by law.

Section 129 FCCPA
Any agreement or notice that waives or removes a consumer’s statutory rights is void.

In simple terms:

You cannot contract out of the law.


What Nigerian Courts Have Said

This matter is no longer theoretical. Nigerian courts have ruled clearly on it.

Patrick Chukwuma v. Peace Mass Transit Ltd (Enugu High Court, 2022)

Facts:

Passenger paid for a bus ticket.

Transport company failed to convey him.

Company refused refund, relying on “NO REFUND” printed on ticket.


Judgment: The court held that the “no refund” policy was illegal, null, and void.

Justice C.O. Ajah stated in substance:

A business policy cannot override statutory consumer rights provided under the FCCPA.



The court:

Ordered refund of the money

Awarded ₦500,000 damages against Peace Mass Transit


This case is now a major authority in Nigeria.


Edem Ewa Ekeng & Anor v. Wakanow.com Ltd (Lagos Magistrates’ Court)

Facts:

Customers paid for travel services.

Services were not properly delivered.

Company refused refund based on its policy.


Court’s decision:

“No refund” policy declared invalid

Refund and damages awarded to consumers


Constitutional Backing

While the FCCPA is the main law, consumer protection also aligns with:

Section 16(1)(b) of the 1999 Constitution (as amended)

Which mandates the State to ensure that:

“The economic system is operated in such a manner as to permit the maximum welfare and happiness of every citizen.”



Allowing businesses to collect money without accountability directly offends this principle.


Important Clarification

This does NOT mean:

Businesses must refund in every situation

Consumers can abuse refund rights


What it means is:

Refunds cannot be totally prohibited

Charges must be reasonable

Where service fails or goods are defective, refund is mandatory
Bottom Line

If any business in Nigeria tells you:

“We don’t do refunds. It’s our policy.”



The correct legal response is:

Your policy is illegal under Nigerian law.



No signboard, receipt, ticket, or website notice can override the Federal Competition and Consumer Protection Act, 2018.

Consumers can report such businesses to:

FCCPC

Magistrate Court

State High Court


And courts have shown they are ready to award refunds and damages.

Let’s stop normalising illegality because it has been “done for years.”

Law is law.

Opinions? Experiences? Corrections welcome.

Seun:
Is nobody looking forward to the next challenge?

Meeee

Seun:
Is nobody looking forward to the next challenge?

Meeee

kings59:
I work 21 hours everyday and the monthly salary is 950,000


Since you said 16 hours, I guess it won't work.

I don't mind Sir . I'm interested

I need a job that allows me to work 16hrs daily Monday to Saturday under supervision.
I'm computer literate and experienced educator and research assistant. I hate degree in Biochemistry and I'm a trained website developer.

I like working long hours with minimal rest.

I need a job that allows me to work 16hrs daily Monday to Saturday under supervision.
I'm computer literate and experienced educator and research assistant. I hate degree in Biochemistry and I'm a trained website developer.

I like working long hours with minimal rest.

I will be 25 soon, and this question has been weighing heavily on my mind. I am a React.js, Node.js, and WordPress developer, and I can confidently build real projects such as dashboards, APIs, full websites, and custom plugins. These are not just tutorial clones but things that actually work and solve problems. Yet, despite all this, it feels like my skills are slowly wasting away. Everywhere online, especially on Twitter, LinkedIn, and YouTube, people constantly talk about how remote tech jobs are everywhere and how anyone with the right skills can land one. My own experience has been very different, filled with endless applications, repeated CV edits, portfolio updates, and long periods of silence.
Being based in Nigeria adds another layer of frustration to this journey. I am not a beginner who just wrote their first line of code, but I am also not someone with ten years of industry experience or big-name companies on my CV. Most local tech roles I come across are either poorly structured or severely underpaying, sometimes offering salaries that barely reflect the effort and cost of acquiring these skills. On the other hand, remote roles seem to exist in abundance online, but accessing them feels like trying to break into a locked room without the key. You apply, you wait, and most times you never hear back.
This situation puts me in a difficult place mentally, especially as I approach 25. At this age, you start to reflect deeply on your choices and wonder if you are truly building toward something meaningful. You ask yourself whether you are on the right path, whether you should keep pushing, or whether you have been deceiving yourself all along. It is not just about money, but about validation that the time, discipline, and sacrifices are leading somewhere. Watching others online celebrate job offers and dollar salaries while you remain stuck can quietly eat away at your confidence.
What makes it even more painful is knowing that the effort is real. The hours spent learning, building, fixing bugs, and improving are not imaginary. Still, the feeling of stagnation persists, as if you are running hard but not moving forward. It is deeply frustrating to put in the work, do what you were told was the right thing, and still feel stuck in the same place. As 25 draws closer, the question becomes harder to ignore: are remote tech jobs truly abundant, or are they a mirage that only a few ever get to touch?

I will be 25 soon, and this question has been weighing heavily on my mind. I am a React.js, Node.js, and WordPress developer, and I can confidently build real projects such as dashboards, APIs, full websites, and custom plugins. These are not just tutorial clones but things that actually work and solve problems. Yet, despite all this, it feels like my skills are slowly wasting away. Everywhere online, especially on Twitter, LinkedIn, and YouTube, people constantly talk about how remote tech jobs are everywhere and how anyone with the right skills can land one. My own experience has been very different, filled with endless applications, repeated CV edits, portfolio updates, and long periods of silence.
Being based in Nigeria adds another layer of frustration to this journey. I am not a beginner who just wrote their first line of code, but I am also not someone with ten years of industry experience or big-name companies on my CV. Most local tech roles I come across are either poorly structured or severely underpaying, sometimes offering salaries that barely reflect the effort and cost of acquiring these skills. On the other hand, remote roles seem to exist in abundance online, but accessing them feels like trying to break into a locked room without the key. You apply, you wait, and most times you never hear back.
This situation puts me in a difficult place mentally, especially as I approach 25. At this age, you start to reflect deeply on your choices and wonder if you are truly building toward something meaningful. You ask yourself whether you are on the right path, whether you should keep pushing, or whether you have been deceiving yourself all along. It is not just about money, but about validation that the time, discipline, and sacrifices are leading somewhere. Watching others online celebrate job offers and dollar salaries while you remain stuck can quietly eat away at your confidence.
What makes it even more painful is knowing that the effort is real. The hours spent learning, building, fixing bugs, and improving are not imaginary. Still, the feeling of stagnation persists, as if you are running hard but not moving forward. It is deeply frustrating to put in the work, do what you were told was the right thing, and still feel stuck in the same place. As 25 draws closer, the question becomes harder to ignore: are remote tech jobs truly abundant, or are they a mirage that only a few ever get to touch?

Seun:
Mailed you directly.

Thanks received with thanks

Seun:
Mailed you directly.

Thank you sir

Seun:
Any ideas about why yahoo rejects our email messages?

shoukd i change my email to a gmail. or whts the way foward

Seun:
Check your spam folders please... @Techtoyin and @Horladoyinog. I have just resent the mails.

@seun still nothing. Perhaps you can send it directly
toyin_ishola@yahoo.com

@seun
Still waiting for update

Vikkkilee:
Maybe seun will resend the email or find another way to contact you

Alright

Vikkkilee:
I got mine
Thank You So much

Congratulations. I can't still find the mail

Vikkkilee:
TechToyin maybe check spam folder, or use the mail search, search for Nairaland to see if it shows anything

Nothing is showing

Vikkkilee:
it probably landed in promotions folder if you are using gmail, i saw mine there

i am using yahoo mail

Seun:
Dear Talented Techies,

We have completed the initial assessment (Stage 0) of the submissions for the 3D Ludo Game Challenge. Our primary criteria for this stage were compliance with the "single HTML file" rule, basic functionality, and whether the board correctly represented a Ludo board.

We received a total of 68 entries. Unfortunately, many excellent attempts had to be dropped due to not meeting the core requirements or suffering from critical visual glitches. If your entry was rejected, please check the decision log for specific reasons—most common issues were incorrect board layouts or non-compliance with the single-file constraint.

To those who passed: Congratulations! You are moving on to the next stage of assessment where we will look closer at gameplay, code quality, and "sweetness."

Below is the status of all processed entries:

Passed (23 Entries):
07 (BenedictAbajue), 10 (TechToyin), 18 (BelloP), 19 (WizEndy1), 25 (3pleo), 34 (abrdgrt), 35 (JasonEmeri), 36 (Bukswag), 37 (Galay), 39 (Horladoyinog), 45 (Ttoby), 46 (Faweezee), 47 (MatrixReloaded), 50 (Nipeks), 51 (KoladeChris24), 53 (donproject2), 55 (elninosft), 57 (Vikkkilee), 61 (Uromgoodluck), 62 (Conestone), 64 (Stephen0mozzy), 68 (johnnieDom), 69 (Horlad)

Rejected (45 Entries):
01 (LegendHero), 02 (AirBere), 03 (showtechedge), 04 (Deasegun19), 05 (InifinteXR), 06 (donsheddy1), 08 (babtaima), 09 (medropoly), 11 (Demurkelly), 12 (Dtalent), 13 (mygee2), 14 (youngyusuff6), 15 (Ndemony), 16 (hobyner), 17 (Bambillo), 20 (Nazgul.Red), 21 (thinkalpha), 22 (faaiz4ever), 23 (Peter), 24 (awakeupcall4all), 26 (walterjnr), 27 (adonainana), 28 (mobileincome), 29 (davidaluu), 30 (MoscoTechh), 31 (NormadTechie), 32 (faboye2), 38 (Moonlight111), 40 (Englishisamust), 41 (Prod1), 42 (Kalatium), 43 (parserqq), 44 (doffman), 48 (akin4true), 49 (emmancipated), 52 (cyberjacker), 54 (AbundantGrains), 56 (jojothegreat), 58 (alikaiwe), 59 (SoludoOpute55), 60 (Bishoppaul205), 63 (valenu), 65 (Jaxman01), 66 (gwashLuck), 67 (darexcoolN)

Thank you all for participating and showcasing your coding talents!

Best regards,
Seun Osewa.

Are you judging on desktop or mobile

AbundantGrains:
I'll love to talk some more, if you could send me an email request

Or message me
08102440103

AbundantGrains:
I'll love to talk some more, if you could send me an email request

Done sir

AbundantGrains:
Great submisssion for the ludo challenge TechToyin. Great taste!

Thank you so much I really appreciate

i hope its going to be judged on desktop

Seun:
Hello,

In the interest of shining a spotlight on the coding talents on Nairaland, we are conducting a series of challenges.

The first one is a 3D Ludo Game challenge. This requires you to use AI to help you create an enjoyable Ludo game in a single html file using three.js via CDN to display the game in 3D. The Ludo rules are up to you to decide but must be made clear to the users.

Steps:
Develop the game as specified (single html file) using git for source control.
Push the source code to a private github repo before the deadline.
After the deadline, make the github repo public and post it on this thread for assessment.
If you touch or make any change to the repo after the deadline, you'll be disqualified.

Tips:
Use a powerful AI Like Gemini 3 Pro (free on Google AI Studio and Google Antigravity) for planning.
You will be graded based on everything that makes your game superior to other entries.
Such as the unique features (very important), code quality, UI, and the sweetness of the game.

The prize for the best entry is N250,000. The runner-up gets: N125,000.
The deadline is 10:00am Nigerian time on Thursday, the 18th of December, 2025.

Good luck!
Seun (Founder, Nairaland)

Hope the process will be transparent

malali:
Why didn't he expose Emefiele ?

Because Emefiele was not hindering his business

malali:
Is he really a good business man or someone who thrives on government subsidies, concessions and forced monopoly ?

Sorry Sir
But are you aware NNPC owns 15% of the refinery.
Are you also aware Dangote in Nigeria's Largest tax payer
Do you know of the Dangote Foundation.
Are you saying Dangote should give government the refinery to manage so they can destroy it .
Dangote also built cement factories in Zambia and other African countries.
Would you rather be built the refinery in another country?
Lastly, Sir, what do you have against Dangote?

Seun:
Hello,

In the interest of shining a spotlight on the coding talents on Nairaland, we are conducting a series of challenges.

The first one is a 3D Ludo Game challenge. This requires you to use AI to help you create an enjoyable Ludo game in a single html file using three.js via CDN to display the game in 3D. The Ludo rules are up to you to decide but must be made clear to the users.

Steps:
Develop the game as specified (single html file) using git for source control.
Push the source code to a private github repo before the deadline.
After the deadline, make the github repo public and post it on this thread for assessment.
If you touch or make any change to the repo after the deadline, you'll be disqualified.

Tips:
Use a powerful AI Like Gemini 3 Pro (free on Google AI Studio and Google Antigravity) for planning.
You will be graded based on everything that makes your game superior to other entries.
Such as the unique features (very important), code quality, UI, and the sweetness of the game.

The prize for the best entry is N250,000. The runner-up gets: N125,000.
The deadline is 10:00am Nigerian time on Thursday, the 18th of December, 2025.

Good luck!
Seun (Founder, Nairaland)

here is my humble submission https://github.com/Tpepper2001/Ludo-challenge i will make it public 10:00am on thursday as requested. Goodluck to everyone

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helinues:
Stick to the volunteers without making this look like a scam. You better remove the account details before the mods will ban you

Thanks done

helinues:
Donation? Hahaha do what you can with what you have and allow others to do theirs willingly without asking for donations

I also need volunteers too

Myrrhis:
Give what you can.

Let others do theirs in their own way.
In this day and age, everyone is being careful of being extorted.

Thank you