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    My Perspective On The Naira Redesign Policy:  Open  Letter To CBN Governor Godwin Emifele 



    Bello Galadi,

    With greatest respect and a deep sense of humility, I write you this letter on behalf of all Nigerians, in the discharge of my civic duty under Section 24(d) of the Constitution of the Federal Republic of Nigeria (1999 as amended). 

    Let me first of all commend you for the Naira Redesign Policy. It is laudable and a sound economic policy. If it is properly executed, it can address the issue of vote buying, kidnapping and other criminal tendencies. I personally appreciate your commitment on the project.

    Sir, two (2) issues attracted my attention from your Press Statement of 29th January, 2023.

    First, in Paragraph 6(c), you said: “We deployed 30, 000 Super Agents nationwide to assist in our Cash Swap Initiative in the hinterlands, rural areas, and regions underserved by banks in the Country to ensure that the weak and vulnerable ones amongst us can swap/ exchange their old notes”.   

    In Zamfara State for instance, the Super Agents you deployed are either not available or not functional. 

    I most humbly implore you to investigate this situation. The most important criteria for the deployment of the Super Agents shall be competence, dedication, capacity, commitment and determination to carry out the task. The swap/ exchange process of the old naira notes shall be simple and straight- forward.

    Second, in Paragraph 7(ii) of the same Press Statement, you said: “A 7- day grace period, beginning on February 10 to February 17, 2023, in compliance with Section 20(3) and 22 of the Central Bank of Nigeria Act allowing Nigerians to deposit their old notes at the CBN after the February deadline when the old currency would have lost its Legal Tender Status”.

    On the strength of that paragraph, it entails that, after February 17 2023, CBN cannot redeem the old naira notes.

    With greatest respect sir, you misconceived the law. A careful perusal of Sections 20(3) and 22 of the Central Bank of Nigeria Act 2007 leads to the irresistible conclusion that CBN can redeem the old notes at ANY TIME. In essence, the law allows the CBN to receive the old notes and swap it for the new notes at any given time once it is demanded. The currency to lose its legal tender status is one thing, and redeeming the currency is another. They are two (2) separate things and clearly distinguishable. 

    In my little understanding, from February 10 2023, when the old naira notes would have lost its legal tender status, CBN is obligated to redeem the old notes until such a time when there is no demand for redeeming from anybody. In other words, whoever approaches the CBN with old notes for swap AT ANY TIME, the CBN is duty bound to collect and swap for the new notes. Put differently, the old naira notes can cease to be legal tender, but it SHALL never expire, ONCE it is presented to the CBN.

    I hereby most humbly implore you to put the necessary mechanism in place to enlighten the general public of their right of redeeming.  

    Another serious dimension of the demonetization policy is the insufficiency of the new naira notes in circulation. You need to address this problem urgently. All ATM Machines throughout the country should be functional 24/7 and should dispense the new naira notes. You must take the necessary steps to arrest and prosecute all corrupt bank officials who engage in hoarding the new naira notes. You need to do whatever it takes to reduce the current tension and suffering being faced by the common man in consequence of the demonetization policy.

    Another serious issue worthy of your consideration is the way and manner some people decline to accept the old naira notes as a means of payment even though the validity period still subsists. As a patriotic citizen, you need to address this challenge. 

    As long as the old naira notes remain a legal tender in Nigeria, citizens are duty bound under the law to accept it as a means of payment. Section 20(5) of CBN Act 2007 has criminalizes the act of refusing to accept the naira as a means of payment and provided a penalty of N50, 000.00 (fifty thousand naira only) or six (6) months imprisonment.

    I am most grateful for your attention. Remain blessed sir.

    Galadi is a former Chairman of the Nigerian Bar Association (NBA) Gusau Branch (covering Zamfara State). He is the President of Bello Galadi Foundation. 

    He can be reached on: &

    1st February, 2023

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    Police ban durbur celebrations accross Kano State



    The Kano State Police Command has banned durbar celebrations across all 44 local government areas of the state for the upcoming Eid-el-Kabir. This decision was announced by the command’s public relations officer, SP Abdullahi Haruna Kiyawa, on Wednesday.

    According to Kiyawa, the command has put in place adequate security measures to ensure peace and order in all parts of the state before, during, and after the festive period. This is part of the command’s commitment to maintaining peace in conjunction with relevant security stakeholders.

    As a result of security reports and consultations with stakeholders, all durbar activities have been banned throughout the state for the Eid-el-Kabir celebrations. However, worshippers are advised to conduct their normal Eid prayers at designated Eid praying grounds.

    The command encourages collaboration and cooperation from all stakeholders to build a safer and more secure environment. The public is also urged to report any suspicious movements or items to the nearest police station or through the command’s emergency contact numbers: 08032419754, 08123821575, 09029292926, or through the NPF Rescue Me Application or social media platforms.

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    Chamama Real Estate and Property: Built on Integrity, Dedicated to Excellence



    In a world where trust is hard to come by, Chamama Real Estate and Property stands out as a shining example of integrity, honesty, and hard work. With a commitment to transparency and customer satisfaction, Chamama has established itself as a leader in the property market, under the visionary leadership of Chairman Alhaji Dauda Isma’il Mameh.

    Chamama real estate and properties limited’s dedication to integrity is reflected in every aspect of its operations. From property sales to rentals and management, the company’s team of experts works tirelessly to ensure that clients receive exceptional services that exceed their expectations.

    With a customer-centric approach, Chamama prioritizes the needs and goals of its clients, providing personalized solutions that cater to their unique requirements.

    Alhaji Dauda Isma’il Mameh’s leadership has been instrumental in fostering a culture of hard work, innovation, and excellence within the company. His dedication to excellence has earned him recognition as a respected figure in the industry, and his vision for Chamama has created a legacy of trust and reliability.

    At Chamama, we understand that property investments are a significant milestone in one’s life. That’s why we strive to make the process seamless and stress-free, providing guidance and support every step of the way. Our services include:

    – Property Sales: Find your dream home with our extensive portfolio of properties.

    – Rentals: Discover the perfect rental property that suits your needs.

    – Property Management: Let us handle the management of your property, so you can focus on what matters most.

    Join the Chamama family today and experience the difference for yourself. Contact us to discover how we can help you achieve your property goals.

    Phone: +234 08036292970
    Website: (soon)

    Come and experience the Chamama difference. Let us help you build your dream!

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    Dauda Isma’il: A Beacon of Hope for the Masses



    Alhaji Dauda Isma’il, is a name synonymous with political sagacity, business acumen, and philanthropic endeavors. He has emerged as a shining star in the firmament of Nigerian politics and entrepreneurship.

    With a heart beats for the masses, Dauda Isma’il has dedicated his life to alleviating the sufferings of the common man, making him a beloved figure among the people.

    As a seasoned politician, Isma’il has consistently demonstrated his commitment to the welfare of the people, championing policies and initiatives that benefits people at the grassroots. His political ideology is rooted in the belief that government should serve the people, not the other way around.

    With a unique blend of vision, compassion, and leadership, he has inspired a new generation of politicians to follow in his footsteps.

    Beyond politics, Isma’il’s business prowess has created employment opportunities and economic empowerment for numerous individuals. His entrepreneurial ventures, spanning various sectors and as chairman of Chamama Real Estate and Properties, Chamama Motors, among others have contributed significantly to Nigeria’s economic growth and development in the areas of housing, automobile industries and many more. Yet, his success is not limited to his business accomplishments alone.

    Isma’il”s philanthropic efforts have touched the lives of countless individuals, providing succor to those in need.

    His foundation, Chamama foundation has established support in the education sector, healthcare, poverty alleviation and assisted significantly in assisting uncountable petty business owners making him a beacon of hope for many.

    His selflessness services and generosity have earned him widespread recognition and admiration.

    In a world where leaders are often driven by personal interests, Dauda Isma’il stands out as a rarity, a true servant-leader. His unwavering dedication to the masses has cemented his position as a champion of the people.

    As Nigeria navigates the complexities of development, Isma’il’s leadership, business acumen, and philanthropy offer a shining example for others to follow.

    Alhaji Dauda Isma’il’s remarkable journey serves as a testament to the power of compassion, hard work, and visionary leadership. As a political icon, business tycoon he continues to inspire and uplift the underprivilege, leaving an indelible mark on the fabric of Nigerian society.

    Alhaji Dauda Isma’il if given an opportunity to serve the people would Excel and Make a Lasting positive Impact by:

    – Listening to the people’s concerns and address their needs with empathy and understanding.

    – Utilize his business acumen to create sustainable economic opportunities and jobs.

    – Leverage his political expertise to drive policies that benefit the masses, not just the few.

    – Expand his philanthropic efforts to reach even more individuals and communities.

    – Empower the youth and women through education, skills development, and mentorship.

    – Foster collaboration and unity among diverse groups to build a stronger, more inclusive society.

    – Continuously seek feedback and adapt his approach to ensure the people’s needs are being met.

    With Mameh at the helm of Affairs, the people’s welfare would be his top priority, and his selfless leadership would inspire a new era of progress and prosperity!

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