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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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Seven dead, five injured in multiple-vehicle crash along Lokoja–Abuja highway

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Seven dead, five injured in multiple-vehicle crash along Lokoja–Abuja highway

By: Zagazola Makama

At least seven persons were killed and five others injured on Tuesday morning in a multiple-vehicle collision along the Lokoja–Abuja highway near Gadabiu Village, Kwali Local Government Area of the Federal Capital Territory (FCT).

Sources told Zagazola Makama that the accident occurred at about 9:00 a.m. when a Howo truck, with registration number ANC 665 XA, driven by one Adamu of Tafa Local Government Area, Kaduna State, lost control and rammed into three stationary vehicles parked along the road.

The affected vehicles included a Golf 3 (GWA 162 KZ), another Golf and a Sharon vehicle.The drivers of the three stationary vehicles are yet to be identified.

The sources said the Howo truck had been travelling from Okaki in Kogi State to Tafa LGA in Kaduna State when the incident occurred. Seven victims reportedly died on the spot, while five sustained various degrees of injuries, including fractures.

The injured were rushed to Abaji General Hospital, where they are receiving treatment. The corpses of the deceased have been released to their families for burial according to Islamic rites.

The police have advised motorists to exercise caution on highways and called on drivers to ensure their vehicles are roadworthy to prevent similar accidents in the future.

Seven dead, five injured in multiple-vehicle crash along Lokoja–Abuja highway

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How misdiagnosis, narratives are fuelling Nigeria’s banditry escalation

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How misdiagnosis, narratives are fuelling Nigeria’s banditry escalation

By: Zagazola Makama

Nigeria’s banditry crisis is no longer escalating simply because armed groups are growing bolder. It is escalating because the country continues to misdiagnose the threat, apply blunt policy tools to differentiated actors, and unintentionally feed a violent criminal economy through ransom payments, politicised narratives and delayed state consolidation.

Across the North-West and parts of the North-Central, banditry has evolved beyond rural violence into a structured, profit-driven security threat. Yet public debate remains trapped between emotional appeals for dialogue and absolutist calls for force, leaving little room for the strategic clarity required to halt the violence.

At the heart of the escalation is money. Banditry today survives on a diversified revenue architecture that includes ransom payments, cattle rustling, illegal mining, arms trafficking, extortion levies on farming and mining communities, and collaboration with transnational criminal networks. Each successful kidnapping or “peace levy” reinforces the viability of violence as a business model.

Data released by the National Bureau of Statistics (NBS) in December 2024 underlined the scale of this economy with the North-West accounting for the highest number of kidnap incidents and victims.

Zagazola argue that as long as communities remain unprotected and ransom payments continue as a survival strategy, banditry will regenerate faster than military operations can suppress it. This is not ideology-driven violence at its core; it is cash-flow-driven criminality as every payment funds the next attack.

Another accelerant is Nigeria’s persistent failure to differentiate categories of armed actors. Security assessments increasingly point to at least two distinct groups operating within the banditry ecosystem.

The first consists of low-level, defensive armed actors, often rural residents who acquired weapons after suffering attacks and whose violence is reactive rather than predatory. The second group comprises entrenched, profit-driven bandit networks responsible for mass kidnappings, village destruction, sexual violence, arms trafficking and territorial control.

Yet public discourse and policy responses frequently collapse these actors into a single category of “bandits,” resulting in indiscriminate dialogue offers, blanket amnesty rhetoric or, conversely, broad-brush security operations that alienate communities. This conceptual error, allows high-value criminal leaders to masquerade as aggrieved actors while exploiting negotiations to buy time, regroup and rearm.

Dialogue has repeatedly been applied in contexts where the state lacks coercive leverage. Experiences in Zamfara, Katsina, Sokoto and Kaduna states and parts of the North-West show a consistent pattern: temporary reductions in violence following peace deals, followed by rapid relapse and escalation. Officials who participated in the dialogue have openly acknowledged that many agreements collapsed within months.

The negotiations conducted without sustained military pressure, intelligence dominance and post-agreement enforcement mechanisms merely incentivise armed groups to pause tactically. When criminals negotiate from a position of strength, dialogue becomes appeasement.

Perhaps the most dangerous accelerant is the ethnicisation of banditry. Although criminal gangs include actors of identifiable ethnic backgrounds, the violence itself is not driven by ethnic grievance. Nonetheless, selective media framing and political rhetoric like what had been witnessed in Plateau have increasingly cast banditry through identity lenses, particularly in farmer–herder contexts.

This framing obscures the criminal logic of the violence and deepens mistrust between communities that are themselves victims. In Nigeria today, the fulani herdsmen and pastoralists communities are being weaponized and stereotyped as bandits. This dangerous persecution has strengthens bandit recruitment narratives, allowing criminal leaders to cloak profit-driven violence in claims of ethnic persecution or genocide.

Historical records and sociological studies show that Fulani, Hausa, Tiv, Berom and other communities coexisted for decades through complementary economic systems. The breakdown of this coexistence has been exploited by armed groups seeking cover, recruits and informants. Security agencies possess significantly more intelligence on bandit networks than is visible in public debate. Lawful interceptions, human intelligence and post-operation assessments routinely reveal financial motives, supply routes and internal hierarchies within armed groups.

However, public advocacy for dialogue often relies on forest-level engagements that security officials describe as “theatrical performances” by bandits choreographed grievances designed to elicit sympathy and concessions. The disconnect between classified intelligence and public narratives has allowed emotionally compelling but strategically flawed arguments to dominate national discourse.

Another escalation factor is the emerging convergence between bandit networks and ideological terrorist groups as Nigeria’s internal security landscape firmly indicates that what has long been treated as banditry especially in the North-West and parts of North-Central Nigeria has evolved into a hybrid jihadist campaign, driven by Boko Haram (JAS faction) and reinforced by JNIM elements operating from Sahelian-linked forest sanctuaries. Shared arms supply chains, training exchanges and joint operations could transform banditry from criminal violence into full-spectrum insurgency if unchecked. Nigeria’s past experience with Boko Haram demonstrates the cost of dismissing such convergence as isolated or exaggerated.

Military operations have succeeded in degrading bandit camps in several corridors, but the absence of immediate governance has allowed violence to recycle. Clearing operations not followed by permanent security presence, functional courts, reopened schools, healthcare and markets leave vacuums that criminal actors quickly refill. Bandits and other criminals thrive where state authority is episodic rather than continuous. Security victories without governance consolidation merely displace violence spatially and temporally.

Therefore, Nigeria must urgently reset its approach by formally adopting threat differentiation, choking financial lifelines, regulating community defence structures, and ensuring intelligence-led, precise enforcement against high-risk criminal networks. Dialogue, they say, must be selective, conditional and embedded within formal disarmament and reintegration frameworks not deployed as a moral reflex.

Above all, the state must reclaim narrative control by defining banditry clearly as organised criminal violence, not a sociological misunderstanding. As one senior official put it, “Banditry escalates where sentiment overrides strategy. The cure begins with honesty.”

Without that honesty, Nigeria risks allowing a violent criminal economy to entrench itself deeper into the country’s security architecture at a cost measured not just in money, but in lives, legitimacy and national cohesion.

How misdiagnosis, narratives are fuelling Nigeria’s banditry escalation

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ISWAP kills 10 JAS fighters in Kukawa as rivalry clashes escalates

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ISWAP kills 10 JAS fighters in Kukawa as rivalry clashes escalates

By: Zagazola Makama

No fewer than 10 fighters of the Jama’atu Ahlis Sunna Lidda’awati wal-Jihad (JAS) were killed on Jan. 8 during a night attack by the rival Islamic State West Africa Province (ISWAP) at Dabar Ledda, within the Doron Naira axis of Kukawa Local Government Area (LGA) of Borno State.

Security sources told Zagazola Makama that ISWAP fighters launched a surprise assault on a JAS checkpoint, locally referred to as an Irasa, in the Dabar Ledda area, overwhelming the position after a brief but intense clash.

Sources familiar with developments in the area told Zagazola Makama that the attack ended decisively in ISWAP’s favour, with about 10 JAS fighters killed. Following the operation, ISWAP elements were said to have withdrawn swiftly to their major stronghold located between Kangarwa and Dogon Chuku, also within Kukawa LGA.

Both group has, in recent years, focused on degrading each other’s capabilities in an attempt to consolidate control over key corridors around Lake Chad as well as Sambisa Forest.

However, the latest clash is expected to trigger a violent response. Intelligence reports suggest that JAS leadership, acting on directives allegedly issued by Abu Umaima, has ordered mobilisation of fighters across the northern and central parts of the Lake Chad region of Borno (LCRBA) in preparation for retaliatory attacks.

The planned counter-offensive could lead to an upsurge in large-scale attacks in the days and weeks ahead, particularly around the Kangarwa–Dogon Chuku corridor, an area that has witnessed repeated factional battles due to its strategic value for logistics, recruitment and access routes.

While the infighting has historically weakened Boko Haram/ISWAP overall cohesion, Zagazola caution that intensified clashes often come at a heavy cost to civilians, as armed groups raid communities for supplies, conscripts and intelligence. Kukawa LGA, already battered by years of insurgency, remains highly vulnerable whenever such rivalries escalate.

ISWAP kills 10 JAS fighters in Kukawa as rivalry clashes escalates

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