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FG to Establish National Land Commission… Put in Place Model Mortgage Foreclosure Law

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FG to Establish National Land Commission
… Put in Place Model Mortgage Foreclosure Law

By: Michael Mike

The Federal Government has announced plan to establish a National Land Commission, even as it revealed that works are on to put in place a Model Mortgage Foreclosure Law.

The Minister of Housing and Urban Development, Arc. Ahmed Dangari disclosed this on Tuesday at the ongoing 6th Nigeria Diaspora Investment Summit, NDIS in Abuja

The summit which has as theme, “New Vistas, New Aspirations, New Visions: The Diaspora and National Development is put to gather NDIS in conjucntion with Nigerians in Diaspora Commission (NIDCOM).

Dangiwa, in his remarks at the Summit, said the Land Commission when established will outline clear implementation guideline for the land Use Act.

The Minister said: “We are working to establish a National Land Commission. Part of their work will be to outline clear implementation guidelines for the Land Use Act to chart a new path of effective land administration in the country.”

He revealed that: “Last week I met with the leadership of the Presidential Technical Committee on Land Reforms, Prof. Peter Adeniyi, where I committed to incorporating the comprehensive work, they have done over 14-years in our land reform strategy.

“As the renowned land reform scholar said, experience shows that a nation can never develop if it does not conduct land reform. This will be done under the Renewed Hope Action Plan for Housing.”

Dangari further explained: “Notable part of our housing sector reforms that is of particular interest to the Diaspora interested in investing in the housing and real estate sector is land reforms. What we envision is a streamlined land administration that cuts through the bureaucratic bottlenecks and systemic inefficiencies to ensure cost effective and efficient access to land for both individuals and investors in our country.

“Currently, we have a situation where the Land Use Act, which was enacted in 1978 has no complementary institution set up alongside it to provide the necessary framework, guidelines, and regulations for operationalizing it. Under the Renewed Hope Agenda of His Excellency, President Bola Ahmed Tinubu, GCFR, we aim to fix this systemic anomaly”.

The Minister also revealed that government is working towards having a uniformed mortgage system.

He said: “The second is the nationwide adoption of the Model Mortgage Foreclosure Law. The Model Mortgage Foreclosure Law (MMFL) provides contemporary provisions on the creation, registration, and enforcement of mortgages, along with remedies like foreclosure and the enforcement of mortgages on real properties and related purposes in Nigeria.

“As of date, the Model Mortgage Foreclosure Law (MMFL) has been passed in only four (4) states, including Lagos, Kaduna, Ekiti, and Nasarawa States. We aim to drive its passage in all the states of the federation as part of our efforts to ensure that investments in the housing and mortgage sector are protected.”

He hinted of government’s plan towards “boosting local manufacturing of building materials,” adding that: “Nigeria’s shortfall in the supply of quality housing stock presents a good opportunity for investors.”

He said: “To drive this, we aim to create an enabling environment for private sector players to produce building materials locally to lower cost, create jobs, grow the local economy, and ultimately ensure inclusive growth.

“To do this we are planning to establish six (6) manufacturing hubs – one in each of the six (6) geo-political zones in the country. The hubs will be provided with relevant facilities, including access roads, electricity, fit for purpose housing and relevant linkages for manufacturers to site their firms and operate. We are also proposing relevant incentives that will make it more profitable and rewarding for the private sector to manufacture building materials locally. “

The Minister who also launched the Diapsora Housing Mortgage Loan, assured Nigerians in Diaspora that the government is willing to support them to own houses in the country.

He said: “And as a Ministry, we are willing to support Diaspora initiatives in the housing and urban development space as well as encourage partnerships with the Diaspora towards making a change in the housing and urban development narrative of our dear country.

“It is important for me state that when we think about the Diaspora, we are not only thinking of them as sources of finance to develop our country, but we also see them as Nigerians, who though abroad, are desirous of owning homes in Nigeria. “

The Diaspora Housing Mortgage Scheme, he explained “is designed to enable Nigerians living overseas participate in the National Housing Fund (NHF) Scheme so they can access up to N50million to own their homes in Nigeria. Participants can access the loan via a National Housing Fund (NHF) loan, Rent-to-Own or the Individual Construction loan window.

“The terms are affordable and best market rates. This includes a single-digit interest rate of 9%, and a payback period of up to 10 years.

“As part of the initiative, the Federal Mortgage Bank of Nigeria will facilitate the construction of affordable housing units in major cities that meets the specifications of Nigerians in Diaspora.

“I want to say that the FMBN is not the only agency under the Ministry of Housing and Urban Development that is delving into catering to the housing needs of the Diaspora.

“The Federal Housing Authority (FHA)is also involved as part of the Ministry’s sector wide effort to cater to the Diaspora. They have undertaken to develop the Diaspora City Project under a Public Private Partnership comprising the FHA, The Nigerians in Diaspora Commission (NIDCOM) the Federal Capital Territory (FCT) and the private sector. The Project is situated in Maitama 2, with over 675 hectares of land. The FCT administration has committed to opening the road and providing the relevant infrastructure. The Diaspora City project is designed to have bungalows, semi-and detached duplexes, and mansions to reflect its inclusive essence.

“So, today, I want to say that I am excited to be the Minister of Housing and Urban Development to launch the Diaspora Mortgage Scheme, which I initiated as the MD/CE of the Federal Mortgage Bank of Nigeria on this auspicious occasion. Indeed, I consider it a positive twist of fate and “I want to use this opportunity to urge Nigerians in the diaspora to seize the opportunity the Scheme affords them to actualize their dreams of owning affordable homes in Nigeria.

“Our overall goal is to ensure that as our brothers and sisters’ sojourn abroad, they also have a decent shelter over here in Nigeria to call their home.”

On the country’s mortgage system, he said, “I am aware that the Mortgage scheme is set to be formally launched in the United Kingdom, Canada, and the United States soon, and it is my hope that the diaspora community would take full advantage of this opportunity and massively subscribe to reap its short and long-term benefits.”

The Minister equally assured the Diasporans of government commitment to sustaining necessary partnership with all relevant stakeholders.

“As I conclude my speech, I would like to assure you of the Federal Ministry of Housing and Urban Development’s commitment to sustaining the necessary collaborations, partnerships, and engagements with all relevant Stakeholders in the Housing and Urban Development sector, as we all work together towards ensuring the success of the Diaspora Housing Mortgage scheme, providing affordable housing, and ensuring sustainable urban development for Nigerians.”

Meanwhile, the Chairman/CEO of Nigerians in Diaspora Commission(NIDCOM), Hon. Abike Dabiri-Erewa, has urged Nigerians in Diaspora to catch in on the current opportunities by investing in the country, insisting that now is the best time to invest in Nigeria.

She said: “My dear guests seated here and online, I assure you that this is an exciting time to be doing business in Nigeria,and this Summit is a step in making investment and growth a reality, because as Nigerians both at home and in the Diaspora, we should always be conscious of the fact that Home is Home, and no one can develop Nigeria ike Nigerians.”

Dabiri-Erewa said in the quest of the Federal Government to go far in repositioning the economy, there was a need to partner with the Diaspora in achieving these goals.

She said: “His Excellency, President Bola Ahmed Tinubu who has just returned from attending the Saudi-Africa Summit made efforts to underscore Nigeria’s commitment to attracting more Diaspora direct investment and expand business partnerships, which are strongly reinforced by the administration’s ongoing domestic economic reforms.

“The summit is very appropriate because it creates innovative platforms of partnerships, between the Government and the Diaspora, in attracting investment into local businesses and thus enhancing Diaspora Direct Investment in the country,” she added.

FG to Establish National Land Commission
… Put in Place Model Mortgage Foreclosure Law

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Troops repel bandits’ attack in AgatuBenue

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Troops repel bandits’ attack in Agatu
Benue

By Zagazola Makama

Troops of the Nigerian Army, in collaboration with the police, repelled an attack by suspected armed bandits on a joint patrol team in Agatu Local Government Area of Benue State.

Security sources said the incident occurred at about 9:00 a.m. on April 4, when the troops on routine patrol encountered the armed bandits.

According to the sources, the bandits opened fire on sighting the troops, leading to a gun duel.

“The troops responded decisively, forcing the bandits to retreat after a brief exchange of fire,” the source said.

The attackers reportedly fled through a nearby river, taking advantage of the difficult terrain.

The sources confirmed that no casualty was recorded among the troops during the encounter.

Following the incident, troops have intensified patrols and commenced combing operations in surrounding bushes to track down the fleeing suspects.

The operation is part of ongoing efforts by the military to curb banditry and sustain peace in the area.

Troops repel bandits’ attack in Agatu
Benue

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Six more top bandit leaders eliminated alongside Ado Allero’s son in Zamfara offensive

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Six more top bandit leaders eliminated alongside Ado Allero’s son in Zamfara offensive

By Zagazola Makama

Additional details have emerged on the identities of notorious bandit leaders eliminated during the recent military offensive in Tsafe Local Government Area of Zamfara State, where the son of feared kingpin Ado Allero and scores of fighters were neutralised.

At the heart of the operation was the elimination of Kachalla Iliya Sarki, the son of Ado Allero, alongside more than 65 fighters and several high-ranking commanders who had long orchestrated attacks, kidnappings, and cattle rustling across Zamfara and neighbouring states.

For years, the forests of Tsafe, Shinkafi, and Zurmi have served as operational bases for heavily armed groups, with Allero’s network emerging as one of the most feared. The death of his son, widely regarded as a rising figure within the hierarchy, is not just a tactical success, it is a symbolic strike at the core of the group’s command structure.

Security sources confirmed that the offensive, which targeted multiple camps in Munhaye and surrounding forest enclaves, led to the elimination of several key commanders.

Among them was Kachalla Biyabiki, a notorious kidnapping kingpin linked to numerous abductions in the western Tsafe axis. Intelligence indicated he had at least 10 victims in captivity at the time of his death, with ransom negotiations ongoing.

Also killed was Kachalla Dogon Bete, a feared field commander known for leading violent raids on rural communities and coordinating cattle rustling operations.

Other commanders neutralised include Kachalla Dan Bakolo, believed to be responsible for arms supply and logistics; Kachalla Na’Isa, a sub-commander involved in enforcement operations; Kachalla Yellow, linked to reprisal attacks; and Kachalla Mudi, associated with kidnapping activities along rural transit routes.

Together, these figures formed a critical part of the operational backbone of banditry in the Tsafe–Shinkafi corridor.

“These individuals were key actors within the network. Their neutralisation has disrupted command and control structures in the area,” a security source said.

The offensive, which targeted multiple camps in Munhaye and surrounding forest enclaves, also resulted in the destruction of hideouts and recovery of weapons and other logistics.

However, security experts warn that the killing of such high-profile figures—particularly the son of Ado Allero—may provoke retaliatory attacks by fleeing elements seeking revenge.

Troops have consequently intensified clearance operations, aerial surveillance, and aggressive patrols across Tsafe, Shinkafi, and adjoining areas to prevent regrouping and forestall possible reprisals.

Efforts are ongoing to track down remaining loyalists and dismantle residual cells operating within the wider Zamfara-Katsina forest corridor.

In Zamfara’s forests, where power shifts quickly and alliances are fluid, today’s victory can only be secured by tomorrow’s vigilance.

Six more top bandit leaders eliminated alongside Ado Allero’s son in Zamfara offensive

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Why truth, not narratives, will end the killings in Plateau’s endless cycle of bloodshed

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Why truth, not narratives, will end the killings in Plateau’s endless cycle of bloodshed

By Zagazola Makama

In Plateau State, the sound of gunfire is no longer shocking. It is expected. What follows each incident has also become predictable outrage, media attention, blames and accusations, as well as a rush to frame the tragedy within familiar narratives.

The latest reports of miners lynched by unknown gunmen have once again drawn national and international attention. Youth leaders, clerics, and advocacy groups are already describing the incident in sweeping terms, some branding it as genocide.

But beneath the headlines lies a more complicated and more troubling reality. Plateau is not witnessing isolated acts of violence. It is caught in a deeply entrenched cycle of reprisals, where attacks and counter-attacks have become the norm, and where truth is often buried beneath sentiment and selective narratives.

In the early hours of April 3, troops responded to a distress call from Sabongida village in Jos South Local Government Area. What they found was grim: the lifeless, beheaded body of a 30-year-old herder, identified as Shafiyu, lying in the bush. Security sources indicated that the killing was allegedly carried out by suspected Berom youths. Before the shock of that incident could settle, retaliation came swiftly.

Later that same day, armed men attacked an illegal mining site in Gyel village, Riyom Local Government Area. Three miners, including Samuel Davou, were killed in cold blood, while others fled for safety as troops moved in to secure the area. What might appear as separate incidents are, in reality, part of a continuous chain of violence, one feeding directly into the other.

Across Plateau, recent events reveal a troubling pattern that has defined the conflict for years.
On March 25, the body of Abdullahi Mohammed , a Fulani boy, was discovered in a shallow grave in Mangu Local Government Area, raising suspicions of targeted killing. On the same day in Riyom, irrigation farms belonging to several farmers were destroyed, by Fulani herdsmen, an act capable of provoking immediate retaliation.

Three days later, on March 28, gunmen assassinated Alhaji Bilyaminu Julde, a prominent Fulani community leader and Ardo of Gindiri, in Barkin Ladi. The attack, carried out at his residence, sent ignited tensions through the Fulani community and set off alarm bells across the state.

That same day, another flashpoint emerged in Riyom, where stray cattle destroyed farmlands in Tahoss village an incident that further strained relations between farmers and herders.
By April 2, violence had escalated again. In Bokkos Local Government Area, troops foiled an attack by suspected armed herders following a clash with vigilantes over grazing disputes. One vigilante sustained gunshot injuries.

Then came April 3, a day that encapsulated the crisis. Aside from the killing of the herder in Sabongida and the retaliatory attack on miners in Gyel, more killing were reported in Jos South.
On the same day, troops in Barkin Ladi recovered suspected rustled cattle reportedly taken by the Birom armed militia, while in Riyom, another Fulani youth was allegedly killed in an isolated attack. Each of these incidents is not just an entry in a security log. They are links in a chain, each one strengthening the justification for the next.

The Plateau conflict has increasingly been framed through singular lenses, often ethnic or religious. While these dimensions exist, they do not fully capture the complexity of what is happening on the ground. What emerges from security reports and field accounts is a cycle of reciprocal violence involving armed elements across communities. Fulani herders have been attacked and killed. Berom farmers and miners have also been targeted in deadly reprisals.
Yet, public discourse often pointing fongers only one side of the suffering.

This selective framing creates a dangerous distortion. It fuels anger, deepens divisions, and makes reconciliation even more difficult. More importantly, it prevents a clear understanding of the crisis one that is essential for any meaningful solution.

As observed by Simon Kolawole, the conflict has become a cycle of “attacks and counter-attacks, reprisals and counter-reprisals.”
In such an environment, violence becomes normalized. Communities begin to see retaliation not as a crime, but as justice.
Without accountability, peace remains elusive,”he said in his latest article, titled The Killing fields in plateau State.

In Plateau State, the search for peace has become a long, uncertain journey with no immediate destination in sight. Despite sustained military deployments and repeated calls for calm, deadly attacks continue to rage across communities, reinforcing a grim reality: this is a conflict deeply rooted in cycles of violence, mistrust, and silence.

For many residents, the first instinct after every attack is to look toward the government, Security forces and President Bola Ahmed Tinubu. Questions are asked why were the troops not there? Why was the intelligence not acted upon? Why are communities left exposed?

These concerns are valid. The primary responsibility of any government is the protection of lives and property. Yet, beneath these criticisms lies a difficult truth that is often left unspoken. In many cases, the same communities that demand protection are unwilling to confront the problem from within.

Across flashpoints in Riyom, Barkin Ladi, Bokkos, and Mangu, patterns have consistent which suggest that perpetrators of violence are not faceless outsiders operating in isolation. They are often known by name, by face, by affiliation. But they are rarely exposed. Instead, a culture of silence prevails. Fear, loyalty, and sometimes complicity prevent communities from identifying or handing over those responsible for attacks.

This silence creates a protective shield around perpetrators, allowing them to strike repeatedly without consequences. The result is a dangerous cycle: attacks occur, blame is assigned externally, and the real actors remain embedded within the communities.

There have been instances where youth leaders publicly blamed Fulani groups for atrocities even in cases where the victims themselves were Fulani. Such claims stretch logic and risk undermining credibility. The argument that a group would attack itself, rustle or poison its own livestock, and transport it into rival territory solely to assign blame raises fundamental questions.

While misinformation is a powerful tool in conflict, it cannot fully explain away patterns that are repeatedly documented by security agencies. These narratives, rather than promoting justice, deepen mistrust and inflame passions, making reconciliation more difficult.

This cycle has blurred the lines between victim and aggressor. Communities that mourn their dead today may be accused of launching attacks tomorrow. In such an environment, truth becomes contested, and justice becomes subjective. A herder is killed, reprisal follows.
Miners are attacked, revenge is planned.
Cattle are rustled, retaliation is inevitable. Each incident becomes both consequence and justification.

Intelligence gathering, the backbone of effective security operations depends heavily on local input. When communities withhold information, protect suspects, or distort facts, security agencies are left to operate in the dark.
This creates gaps that perpetrators exploit.
Blaming the government alone, without acknowledging this dynamic, presents an incomplete picture of the crisis.

Security forces have remained active, responding to distress calls, conducting patrols, and attempting to stabilize volatile areas. Yet, their presence has not been enough to stop the killings. The reality is that no amount of military deployment can fully secure a population that is unwilling to cooperate.

One of the most dangerous drivers of the conflict is impunity. For decades, perpetrators of violence in Plateau have rarely been brought to justice. Killings are recorded, condemned, and eventually forgotten until the next incident occurs.

Community, religious and youths leaders, who should serve as stabilizing forces, are increasingly unable to control armed youth groups. Such interventions are rare and often overshadowed by more powerful forces of anger and revenge. In many cases the leaders are the once directly fueling the crises and encouraging the youths to take up arms to carry out reprisals attacks.

The nature of the Plateau conflict makes it resistant to purely military solutions. This is not a conventional war with clear battle lines. It is a fragmented conflict driven by local grievances, economic competition, and historical mistrust.
Calls for heavy-handed interventions, including suggestions of foreign military involvement, fail to recognize this reality. Force alone cannot resolve a conflict that is rooted in social and communal dynamics.

If Plateau is to break free from this cycle, the first step must be honesty. The violence must be acknowledged for what it is a series of interconnected attacks involving multiple actors, not a one-sided campaign. Only then can meaningful solutions emerge.

This is not just a story of victims and aggressors. It is a story of a society caught in a loop of vengeance, where yesterday’s victim can become today’s perpetrator. Until the truth is confronted in its entirety without bias, without omission peace will remain elusive.

The government must move beyond reactive security measures and take decisive steps to address the root causes of the conflict. This includes ensuring accountability, strengthening intelligence capabilities, and facilitating genuine dialogue among communities.Equally important is the role of local leaders. They must rise above partisan interests and work actively to restrain their followers, promote peace, and reject all forms of violence regardless of who commits them.

Zagazola Makama is a Counter Insurgency Expert and Security Analyst in the Lake Chad Region

Why truth, not narratives, will end the killings in Plateau’s endless cycle of bloodshed

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