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The Nine Sins that Saw Usman Yusuf Out of NHIS

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The Governing Council of the National Health Insurance Scheme (NHIS) has released a list of infractions that eventually prompted theindefinite suspension of the embattled Executive Secretary of the Scheme, Usman Yusuf. They are presented as follows:

(1) 2018 Budget Crisis
At the Inauguration of the council in March 2018, NHIS had no approved budget for its activities for 2018. Therefore, council underscored passing the 2018 Budget as priority. Unfortunately, management of the scheme seemed unmindful of the financial and operational risks and consequences of running a public entity without approved budget. Sadly, ten months into the financial year, the scheme has no approved budget.

To arrest the drift and expedite progress, the finance committee and council held five meetings, dedicated to the budget culminating in a resolution on 24th July 2018 which directed the Executive Secretary (ES) to amend, reflecting final council positions and represent for Chairman’s signature to avoid further delay.

Some highlights of the required amendments include the following;

a) Removal of the N264 million padding discovered in the budget proposal.

b) Reduction of the 2018 training budget from N1billion to a realistic N250 million to avoid the training stampede in 2017 when N919, 664, 800 was spent, in just three months, without needs assessment and departmental; training plans.

c) Removal of the N100 million posting and transfer provision since the council had adopted an early policy that transfers/postings shall be contingent upon outcome of comprehensive staff audit to enable the scheme align transfers and postings with needs, structure, skills and organization strategy.

D) Removal of the frivolous provision of N50 million for an additional SUV for the ES considering that one was acquired for him only last year.

However, after many reminders through council members, the ES forwarded the budget documents on the 6th August, 2018 without the amendments as directed. The Chairman subsequently, returned the budget documents to weeks later with detailed analysis. Significantly, till date there has been no response, compliance nor correspondence on the matter whatsoever from the ES despite written reminders sent to him by the Chairman.

2) Fraudulent Inflation Of The Cost Of Bio-metric Capturing Machines
The 2018 Budget Proposal submitted by the ES included the procurement of biometric capturing machines at a unit cost of N11, 500, 000.00 whereas the market cost is only between N700, 000.00 and N1, 4million depending on specifications. When council finance committee requested for more information and vendor presentation to justify the astronomical cost, the ES blatantly refused to oblige. It is significant that the ICT project cost escalated, without justification, by 42% from N7, 783, 185, 805.37 in 2015 to N18, 864, 674, 612.85v in 2016 and N14. 975, 032, 572.30 in 2018. Unfortunately, the ICT project which should significantly improve operational efficiency and service delivery is stalled because Executive Secretary denied council critical information requited for decision making on the project.

3) Attempt to illegally Execute N30 Billion Investment in FGN Bonds:
The ES submitted memos to council on 27th March and 25th April, 2018 requesting approval to invest N30billion residual funds. While the memoranda referenced ministerial approval for the investment dated 18th August 2017, it failed to disclose ministerial memo dated 29th August 2017 which withdrew the earlier approval stating that investment would violate the prevailing Presidential order on operating TSA.

If the ES had succeeded in misleading the council to approve this investment, the scheme would have violated the presidential order on the operations of the TSA. In addition, the attempt by the ES to execute the N30 billion FGN bonds Investment through a private company instead of directly through the CBN, would have resulted in the scheme incurring investment arbitrage costs of between N600million to N1.2 billion which would have accrued to the private company.. Consequently, on account of the wilful failure to fully disclose critical information, council stayed action on the investment.

4) Unlawful Staff Postings And Wilful Defiance of Council Directive
Organization execute staff transfers and postings to match skills with needs and also align skills with organizational structure and strategy. Therefore Council directed management on 7th May, 2018 to conduct management review and comprehensive staff audit to maximize organizational benefits from staff postings and transfers.

Furthermore, to stabilize the management cadre, strengthen institutional memory and create proactive, consistent, confident professional insulated from unpredictable political appointees, Council resolved that, henceforth the authority to appoint, post and discipline staff of the directorate cadre shall reside with council in accordance with provision of the NHIS Act. No 35, 1999 section 8 (4a).

However, on 3rd October, the ES conducted massive postings and transfers of over 85 staff, in defiance of council resolutions. Furthermore, there is no reason, rhyme or rationale for postings.

First, the postings are arbitrary and, in some cases, punitive. For example, the GM procurement was posted to a zonal office and replaced by another GM who has no experiences of procurement. Also with postings, another GM, with no accounting or IT management experiences was posted as GM Contribution Management.

Secondly, the financial cost to the scheme, N48million in staff relocation allowances is not approved in the 2018 budget because council stepped down the N100 million proposed for postings.

Finally, the strategic and operational benefits of the postings are negligible and a colossal waste, particularly in the context of the gross deficit 2018 budget proposed by the ES. Sadly, the postings and the stampede to pay allowances without budget approval, two days before this council meeting, constitute a defiant, proactive and insubordinate act by ES and underscore the prevalent fiscal and management recklessness.

It is on record that the ES signed the minutes of the meeting of 7th May 2018 and the extract therefrom which established council resolutions on general postings and specifically, postings of directorate cadre staff as NHIS policy.

5) Wilful Refusal to Implement Council Directive on the Disbanding of Illegal Union
The ES refused to implement council resolution directing a local chapter of the Nigeria Civil Service Union in NHIS from operating in NHIS as a parallel staff union within the scheme. Contrary to assurances to council that the resolution had been implemented, the said union continues to operate, and generate tension with active support of the ES. His current defense for this act of defiance is that his lawyers, not NHIS legal department advised him to ignore council resolution on the matter.

6) Unauthorized Staff Travel In Defiance of Council Directive
In May 2018, ES requested for approval to travel to Geneva for himself and four other staff, including his personal assistant. Approval was granted for him but denied for the other four. However, he traveled with the four staff in defiance of the council directive. This unauthorized entourage arrived in Geneva just one day before the conference closed. This trip cost NHIS the sum of N17million which exceeds limit of N2.5million. He failed to justify his action in this regard, when council demanded one.

7) Superfluous Arrogation of Project Vehicles
The ES remains insensitive to the consequences of the gross budget deficit operated by scheme and continues to aggregate non-essential spending. For example, he arrogated seven project vehicles to himself. Three of these cars are for the office and four are located in his house. Also, one vehicle is allocated to his personal assistant who is not entitled to a vehicle. Besides, he is paid N500 thousand fuel allowance monthly for seven project vehicles to himself in the face of critical transportation challenges in states and zonal offices. The 2018 budget proposes additional N50million to procure another Toyota land cruiser for the ES. He has defiantly presented this item in the final draft against council directive. At the last council meeting the evidence submitted by Union petition was presented, he insisted the pool of vehicles were his entitlements as CEO. He then stormed out of the meeting.

8) Insubordinate Conduct by the ES
Council members, in particular the chairman, have been subjected to verbal assaults, unruly outbursts and various forms of unprofessional behavior by the ES, These include not limited but habitual lateness to council meetings. Some examples eloquently make our case here:

24th July, 2018 the ES arrived one hour late to the emergency budget review meeting holding next door to his office and offered no apology to council.

In August 2018, he unilaterally cancelled scheduled council meeting, rescheduled it and issued meeting notice to members without reference to chairman.

On October 17th, he sauntered to the meeting 35 minutes late, without apology, and demanded that his agenda, assembled without consultation, be accepted as the operated agenda for the meeting.

Explicit and wilful refusal to implement many council decision.

9) Failure to provide leadership for development of the strategic plan for the Agency despite Council’s Directives

As it stands, 13 years after establishment NHIS does not have a strategic plan. In March, 2018, Council directed management to work with stakeholders to develop a comprehensive 10 year strategic plan.

He argues that the strategic plan, management review and the staff audit are not his priority and is unable to appreciate the urgency and the significance of these critical management tools to reposition NHIS to achieve its mandate.

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Wike Remains Undisputed Rivers APC, PDP Leader, Tinubu Rules

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President Bola Tinubu has, again, intervened to halt the escalating feud between Rivers State Governor, Siminalayi Fubara, and his predecessor and estranged godfather, Nyesom Wike.

The peace deal came after months of failed settlements that had pushed the state to the brink of governorship impeachment, legislative paralysis, and prolonged instability.

The president had previously intervened in the rift between Fubara and Wike in December 2023, when he brokered a fragile peace, which broke down soon after, leading the declaration of a six-month emergency rule in the state on March 18, 2025 by Tinubu and suspension of the governor.

However, in the fresh push to defuse one of the country’s most combustible political disagreements in recent times, Tinubu ordered an immediate suspension of any impeachment moves against Fubara, but with very strict conditions.

Multiple highly placed sources familiar with the issue told THISDAY that Tinubu, who acted just before departing for an official trip to Türkiye on January 26, laid down the political terms aimed at restoring peace between the two key political actors in Rivers State, a state seen as critical to the president’s re-election in 2027.

Tinubu’s intervention came with a blunt message to Fubara: Wike remains the undisputed political leader of the party, whether APC or Peoples Democratic Party (PDP) in Rivers State, and he must be respected in that regard.

THISDAY was told that the president, visibly displeased by the depth of the rift, despite his efforts in the past, warned that continued hostilities would undermine governance in the state and lead to instability, a situation Tinubu said he was not ready to condone.

Tinubu was said to have clearly told Wike to back off any impeachment plots against Fubara and allow governance in the state.

Fubara and his predecessor, Wike, have had a cat and mouse relationship just within months of the governor’s swearing into office in May 2023. What is now out in the open is that Wike, who personally engineered Fubara’semergence as his successor, has sought to control the levers of power from Abuja, while the governor has resisted what many see as the FCT minister’s chokehold on him.

The relationship began to fracture within months of Fubara’s inauguration, as the governor quietly sought to assert his independence, with political actors in the state immediately taking sides. Notably, in the ongoing fight, almost all the state lawmakers align with Wike.

Subsequently, attempts to impeach Fubara emerged from the pro-Wike group in the House of Assembly. Although the governor has tried to wriggle out of the situation several times, the shadows of impeachment continue to haunt him every time there is a disagreement with the minister.

Several efforts have been made to resolve the crisis, all of which failed to produce lasting peace. The failure of one of the peace meetings eventually led to the declaration of a state of emergency in the oil-rich state, which lasted six months.

While Wike’s camp continues to accuse Fubara of betrayal and political ingratitude, the governor’s allies argue that Rivers State cannot be run from outside the state by a former governor now serving as the FCT minister.

Still on the latest attempt to seek an end to the prolonged imbroglio, one insider recounted the president’s thinking, drawing a parallel with Lagos State, where Sanwo-Olu is the leader of the party.

Tinubu was said to have stated, “Is Babajide Sanwo-Olu my leader in Lagos, or was Babatunde Fashola my leader when he was governor?”, according to a source.

The president was equally said to have stated that Fubara should respect elders, saying Wike is an elder statesman in Rivers politics and should be regarded as such. Tinubu, one of the sources added, made it clear that political seniority could not be wished away because of personal disagreements.

As part of the peace deal, the president directed Wike and his camp to immediately halt all impeachment-related actions against Fubara, citing his overriding concern about stability in Rivers State.

In return, Fubara was instructed to make significant concessions. Chief among them was the formal recognition of Wike as the “political leader” in Rivers State, with final authority on party matters.

Sources said Tinubu stressed that all internal party disputes in the state must ultimately defer to Wike.

However, the complexity of Wike’s case is that he is not a card-carrying member of APC in Rivers State. Officially, he remains a member of the struggling opposition PDP, although he is a top minister under the ruling APC government – A position he has used to weaken his party, the PDP.

Besides, the understanding covered the upcoming state House of Assembly bye-elections in Rivers State. Tinubu directed that candidates loyal to Wike should be recognised by the APC leadership for the two vacant assembly seats. “It was explicitly stated that Wike has two candidates for the by-elections and that those candidates are to be recognised by the APC party structure,” one source said.

Already, Independent National Electoral Commission (INEC) has fixed February 21, 2026 for the contentious by-elections into Ahoada East II and Khana II State Constituencies of the state.

THISDAY learnt that while the Ahoada-East II seat became vacant following the resignation of its former occupant, Edison Ehie, who was appointed Chief of Staff (CoS) to Governor Fubara, the Khana II seat was vacant since the death of its lawmaker, Dinebari Loolo, in September 2023.

Notably, the sensitive issue of Fubara’s second term ambition also came up for deliberation, the source said, but was deliberately side-lined, with the president alleged to have said such discussions were too early for now. One source said Tinubu described any talk about the 2027 governorship in the state as still premature.

ThisDay/Arise News

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Otunba Adekunle Ojora: Farewell to a Good Man

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By Eric Elezuo

The curtain dropped on the elitist life of prominent Lagosian, traditional custodian, boardroom guru, refined journalist and elaborate philanthropist, Otunba Adekunle Ojora, on January 28, 2026, bringing to an over nine decades of spreading good tidings, prosperity, unity and humanity. He was 93 years.

His death was announced via a statement by his daughter, Mrs Toyin Ojora-Saraki, on behalf of the Ojora Family, saying he died early in the morning in full submission to the will of Almighty Allah (SWT)

“With total submission to the will of Almighty Allah (SWT), the Ojora family of Lagos hereby announces the passing of our beloved patriarch, Otunba Adekunle Ojora, the Otunba of Lagos and Lisa of Ife, who returned to his creator early this morning.

“We say Alhamdulilahi for a life well lived, and we comply with Allah’s words: ‘Surely, to Allah we belong, and to Him we will all return’ (Q2:156),” the statement reads.

A distinguished businessman, people-oriented-person, the Olori Omo Oba of Lagos and the Lisa of Ife, Adekunle Ojora’s passing came with a much ancipated heartbreak, wailings and regrets, among his hugely extended family members, circle of friends, mentees, colleagues in and across business and traditional terrain, associates and the well impacted general public.

With the announcement of his death came the heavy traffic of personalities, dignitaries and nobles to his Ikoyi palatial home, where his adorable wife, Ojuolape Ojora, and one of his distinguished daughters, Mrs Toyin Saraki, who is the wife of the former Senate President, Bukola Saraki, played significant hosts.

President Bola Tinubu was one of the first mourners with a statement signed by his spokesperson, Bayo Onanuga, acknowledging the dimunitive personality of the deceased, noting how he had affected humanity in a positive light.

Tinubu commiserated with the government and people of Lagos State, as well as the Ojora and Adele royal families.

“The passing of Otunba Ojora is a significant loss to the country, the private and public sectors, and traditional institutions,” the President said, describing the late industrialist as a man whose life was defined by humility, perseverance, hard work and generosity. He further noted that his values shaped his long and distinguished career.

“He remained a towering figure whose counsel and experience benefited institutions at both national and subnational levels,” Tinubu added.

In his condolence message, former President Olusegun Obasanjo described Ojora’s death as painful, saying his absence would be difficult to fill, according to a statement released by his Special Assistant on Media, Kehinde Akinyemi.

The ex-president described Ojora as “an amiable and distinguished Nigerian who, during his lifetime, built a remarkable legacy of integrity, wisdom, and unwavering dedication.”

“By his death, the country has lost a notable captain of industry and commerce, but there is no doubt that his memory lingers on through his many landmark contributions to the development of the South-West zone in particular, and the country in general,” Obasanjo added.

He also stated that “He was a remarkable entrepreneur whose vision, determination, and resilience added value to the community and to hundreds of families who depended on his commercial activities. He was a role model and exemplar whose personal life and achievements inspired a generation of entrepreneurs, industrialists, and merchants. Over the years, with his wise counsel, unquestioned strength, and gentle guidance, Otunba Ojora commanded respect and reverence, and took particular pleasure in mentoring younger men and women to succeed in life.”

Also reacting, a former Minister of Communications, Major General Tajudeen Olanrewaju (Rtd) described Ojora as a “veteran journalist and boardroom titan”.

The former General Officer Commanding (GOC) 3 Division Nigerian Army noted that he made positive contributions to the industrial and entrepreneurial sectors of the economy, lightened up the social fabric of his time in Lagos, in particular, and across our nation.

Among dignitaries that called to the home of the Ojora’s to express heartfelt condolences were the Governor of Osun State, Senator Ademola Adeleke and his elder brother, Dr. Deji Adeleke; Africa’s richest man, Alhaji Aliko Dangote, Mr. Femi Otedola and former governor of Akwa Ibom State, Udom Emmanuel.

As a revered Muslim, versed in Islamic doctrines, the nonagenarian’s burial followed the very next day, drawing an avalanche of well wishers and mourners to the Central Mosque, on Lagos Island, where the funeral rites or the Janazah, led by the Chief Imam of Lagos, Sheikh Sulaiman Abou-Nolla, and assisted by other prominent Islamic clerics, were conducted, and finally to the Vaults and Garden, Ikoyi, where the remains were committed to mother-earth. The events were a meeting point of some sort, as they drew together prominent Islamic scholars, family members, political bigwigs and other distinguished guests.

A roll call of the elite callers at the events include the deceased’s wife, Erelu Ojuolape Ojora; his daughter, Toyin Ojora-Saraki, and her husband, former Senate President and Kwara State Governor, Bukola Saraki. Also in attendance were Lagos State Governor Babajide Sanwo-Olu, former Ogun State Governor Ibikunle Amosun, former Speaker of the Kwara State House of Assembly Ali Ahmad, former PDP National Chairman Kawu Baraje, Mufti of Ilorin Sheikh Sulaiman Onikijipa, and National President of Ansar-Ud-Deen Society of Nigeria Prince Adeniji Kazeem.

The burial ceremonies began with a recovery of the remains, which were borne by pallbearers for a burial procession before it was a motorcade bore it to the venue of the Janazah.

The long convoy of dignitaries that accompanied the body to the mosque spoke volumes of the personality of Adekunle Ojora. As the solenm approached, Imam Sulaiman Abou-Nolla led the congregation in prayers, asking for the repose of the siul of the deceased.

At the conclusion of the prayers, the body was conveyed to the Ikoyi Vault, where pallbearers and Muslim Ummah as well selected members of the family and notable dignitaries accompanied the remains,  amid chants, to its final resting place.

THE MAN, OTUNBA ADEKUNLE OJORA 

The highly principled businessman was born Isiaq Adekunle Ojora on June 13, 1932, into the distinguished Ojora Royal Family of Lagos, where he grew with a deeply-rooted tolerance for the history, culture and traditional governance of the Yoruba race and Lagos in particular.

His lineage placed him among the foremost royal families in the state, a heritage he upheld with dignity throughout his long life. Over several decades, he emerged as one of the most influential figures within Lagos’ traditional institutions, commanding respect across royal, cultural and civic circles.

Ojora was a member of the Ojora and Adele royal families of Lagos and was himself the holder of the chieftaincy of the Otunba of Lagos. He studied journalism at Regent Street Polytechnic, with the intention of developing a career in journalism. He started work as a staffer at the BBC where he rose to become an assistant editor.

In 1955, he switched his services to the Nigerian government as a reporter with the Nigerian Broadcasting Corporation. He was soon transferred to Ibadan as an information officer in the office of the regional premier. Ojora’s stint with NBC lasted until 1961 when he took up appointment as the public relations manager at United African Company.

Ojora soon developed interest in the commercial units of enterprises, he became an executive director of UAC in 1962. After a military coup truncated the first republic, Ojora was nominated as a member of Lagos City Council in 1966. A year later, he was given political appointments in two government agencies, in 1967, he was managing director of WEMABOD, a regional property and investment company and also in 1967, he succeeded Kola Balogun as chairman of Nigerian National Shipping Line.

After leaving WEMABOD, he became an investor in various firms including AGIP petroleum marketing and NCR Nigeria. He also founded the private firms Nigerlink Industries, Unital Builders and a holding company Lagos Investments. After the Nigerian Enterprise Promotion Act, he took equity interest in some foreign companies operating in Nigeria such as investments in the Nigerian operations of Bowring Group, Inchape, Schlumberger, Phoenix Assurance, UTC Nigeria, Evans Brothers and Seven-Up. He married Erelu Ojuolape, and among their children is Toyin Saraki.

Beyond royalty, Otunba Ojora was widely regarded as a bridge between tradition and modern governance.

The Otunba Adekunle Ojora would be remembered as a quintessential gentleman,  astute businessman, excellent in speech, dignified in conduct, and deeply respected across generations.

For as many as those who know him, Ojora has for decades, remained a familiar and revered presence in elite social and cultural spaces, where his highly sought-after counsel and calm disposition have proved relevant and needful.

He is also known for his refined lifestyle and strong family values, an embodiment of a “brand of old-school nobility that earned him admiration well beyond wealth or status. He was often described as a man of honour whose life reflected discipline, tradition, and unwavering integrity.

Otunba Adekunle Ojora is survived by his wife, Erelu Ojuolape Ojora, his children, grandchildren and great-grandchildren.

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Incumbency Factor Will Not Determine 2027 Election, Atiku, Obi, Others Talk Tough

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The 2027 general elections will not be determined by incumbency, control of State power or wave of political defections, opposition leaders have declared.

They argued that voter choice, opposition unity, and the integrity of the electoral process would ultimately decide the outcome.

The opposition leaders made the declaration at the public launch of  “The Loyalist,’’ a memoir by National Publicity Secretary of the African Democratic Congress, ADC, Bolaji Abdullahi, in Abuja.

The event drew a wide mix of opposition leaders, former public office holders, lawmakers, intellectuals and party stakeholders.

Speakers included former Vice President, Atiku Abubakar; former Anambra State governor, Peter Obi; former Minister of Interior and ADC National Secretary, Rauf Aregbesola; former Senate President and ADC National Chairman, David Mark, and veteran columnist and public intellectual, Hakeem Baba-Ahmed, who reviewed the book.

Although convened as a book presentation, the gathering quickly assumed a strong political tone, with speakers repeatedly returning to the issues of opposition unity, leadership responsibility, and the limits of incumbency power, ahead of the next general election.

Addressing what he described as a growing misconception in Nigerian politics, Aregbesola argued that governors and incumbents do not automatically determine election outcomes.

Drawing on the 2023 electoral results, he said the belief that political office guaranteed victory was not supported by evidence.

“The fact that certain governors are defecting to the APC shows that our unity is weakened, but the statistics do not support the belief that governors win elections,” Aregbesola said.

Using the South-West as an example, he said ruling party dominance at the state level had not translated into overwhelming electoral success.

“In the South-West, the APC controlled all the states except one, yet the maximum performance of the party was 55 per cent, with the other parties sharing the rest,” he said.

On his part, former Vice President, Atiku Abubakar, speaking as special guest of honour, linked the political moment to the theme of the book, describing loyalty as both a moral test and a personal burden in public life.

Atiku, who noted that his participation was informed by his own role in the political history examined in the memoir, said: “I am honoured to be part of this launch because I was also involved in the eventual inauguration of the Bukola Saraki administration, which this book deals with in very great detail.’’

He praised the author for taking on difficult questions about loyalty and conscience, saying “this is a work that dares to question loyalties, illuminate conscience, and broaden our public imagination.’’

Drawing a contrast between military discipline and political life, Atiku said loyalty in politics was rarely absolute and often exacted a heavy price.

“For those of us who come from the military and paramilitary professions, loyalty is non-negotiable; there is only absolute obedience. But in political life, loyalty is not as rigid, and it comes with consequences,” he said.

The former vice president also spoke candidly about his own experiences.

“Many of us have suffered because of loyalty. I have faced exile as a result of loyalty. I have survived assassination attempts as a result of loyalty,” he said.

Atiku warned that loyalty should never become blind allegiance, adding that “loyalty should strengthen the common goal, not narrow the circle of belonging.’’

Similarly, a former Governor of Anambra State, Peter Obi, who arrived late due to flight delays from Lagos, apologised for not observing traditional protocol before addressing the audience.

Obi also signalled political solidarity and regional commitment, saying: “I have been directed to represent the South-East, and I want to assure you that you will not be disappointed.’’

In one of the most direct political moments of the event, the author, Bolaji Abdullahi, appealed to opposition leaders to rise above rivalry and present a united front, ahead of 2027, adding that Nigerians were ready for change, though political leaders were not yet matching that urgency.

“For 2027, Nigerians are ready. But I don’t think we are ready. Nigerians look at us and see different enclaves and different entities. They see competition, rather than cooperation,” Abdullahi said.

Reviewing the book, Hakeem Baba-Ahmed said it initially provoked skepticism but ultimately impressed him.

“I brought to the book some prejudice and heightened curiosity. I expected the author to fall on his face somewhere. I was wrong,” he said.

He described the memoir as revealing and historically significant.

“This book is easily one of the most readable and revealing books I have read in a long while. It captures the essence of our contemporary social and political character,” Baba-Ahmed said.

Former Senate President, David Mark, described the task of rescuing Nigeria as a shared responsibility and praised Abdullahi’s character.

“He is a straightforward person. Even when I disagreed with him, his advice was always adopted,” Mark said.

He also clarified the long-standing controversy around the Doctrine of Necessity, saying “it was the sole responsibility of the Senate and had nothing to do with Kwara State or anyone from Kwara State.’’

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