In recent weeks the political train of deceit appeared to have regained some steam in a renewed ruse to make certificate of Mr President the bottom line of 2019 Presidential election. Permit me to admit that certification of classroom tutoring is the standard testimonial of its attendance but at the same time, it is only the mischievous political kindergartians that will think that political diatribe has anything to do with it. In her analysis of the critical attributes of leadership in the book: Not For The Faint of the Heart: A Lesson in Courage, Power and Persistence, Wendy Sherman has concluded that Courage and Integrity are critical attributes that you cannot acquire from the classroom because they are the inert fabrics of human conscience that dictates the power of the negative and power of the positive.

The truth is, I could not agree any better because at the end of the day, those critical attributes are the building blocks of the sincerity of purpose of political leadership. The tragedy of Nigeria as a Country is that for decades now our corrupt and inept electoral system and institutions of governance have only managed to produce certificate leaders rather than character leaders. I mean leaders whose exemplary leadership has been legendary in inspiring the next generation of leaders on ethos of governance and responsibility, I mean, leaders who are no longer celebrated as community treasures but rather revered as national assets, I mean leaders whose nationalism has conquered clan loyalties and ethnic patriotism.

It is sinically despicable that President Muhammadu Buhari, a Gen. of the Nigerian Army, a former Head of State whose honour, integrity and exceptional culture of universal humanity has become an international reference point could be slandered in a desperately dubious game of School Certificate ridicule. I even heard that the choreographed political racism by the PDP’s social media war machine has alleged that you cannot speak English, well, I am wondering when poetry of English-language and the arrogance of ethnic inheritance of it become the index for evaluating the quality and sincerity of political leadership? The truth is that, throughout history great empires that ruled the world at different stages of human civilisation did not have fraternity of English Language; the Mongols, the Othman, the Japanese, the Germans, the Russians and now the Chinese recolonizing the entire planet without English Language.

Dear Mr President, loose no sleep, speak no English, have no certificate, it doesn’t matter, that was not why we elected you, Nigerians elected you to liberate them from the colonialism of PDP whose pedigree in official corruption knew no bounds, we elected you to dismantle the architecture of stupendous State impunity, to restore hope from fatelism of absolute despair, in short, we elected you to pull the Country from the brinks and you did just that against all odds.

The truth is, the oil sheikhs of our criminal economy have regrouped for a political vengeance but be assured that the Nigerian electorates are wiser, sophisticated and ready. At the end of the day, the 2019 general election will not be decided on the gaffe of poetry of deception but rather on the strength of character and the integrity of example.


By Professor Shehu A. Zuru

Pro Chancellor, Peroleum University

The hues and cries over his eligibility having failed to publicly present his WAEC certificate was needless.

Section 131, of the 1999 Constitution provided that a person is qualified for election to the office of President if

He is a citizen of Nigeria;

He has attained the age of forty years;

He is a member of a political party and he is sponsored by that political party;

He has been educated up to at least School Certificate level or its equivalent.”

Clearly, Gen Buhari has met all the above requirements.

“Under and by virtue of section 318 (1) of the Constitution: “School Certificate or its equivalent” means-

(a) A Secondary School Certificate or its equivalent, or Grade II Teacher’s Certificate, the City and Guilds Certificate; or

(b) Education up to Secondary School Certificate level; or

(c) Primary Six School Leaving Certificate or its equivalent and-

i. service in the public or private sector in the Federation in any capacity acceptable to the Independent National Electoral Commission for a minimum of ten years, and

ii. attendance at courses and training in such institutions as may be acceptable to the Independent National Electoral Commission for periods totalling up to a minimum of one year, and

iii. the ability to read, write, understand and communicate in the English language to the satisfaction of the Independent National Electoral Commission, and

(d) Any other qualification acceptable by the Independent National Electoral Commission.”

Anybody who can read, write and communicate in English, who has attended military courses, who has served in the public service of the Federation or even in the Army, is eminently qualified to aspire to be elected as President of Nigeria.

With the rank of Maj-Gen, it clearly indicates that he’s educated and qualified

The debate is thus unnecessary. Let’s discuss serious issues

Development Bank of Nigeria (DBN)…

DBN (Development Bank of Nigeria)

Development Bank of Nigeria (DBN) was conceived by the Federal Government of Nigeria in collaboration with the World Bank, African Development Bank, German Development Bank (KfW), French Agency for Development and European Investment Bank to address.

DBN was established to bridge the gaps created by Bank of Industry (BOI) and the commercial banks that could not satisfy the funding needs of the MSME ( Micro, Small, Medium Enterprise). DBN introduction is meant to enhance Private Investment activities.

The Ministry of Finance stated that about 20,000 beneficiaries will be given loan during it’s first year of operations

Development Bank of Nigeria exists to alleviate financing constraints faced by Micro, Small and Medium Scale Enterprises (MSMEs) and small corporate in Nigeria through providing financing, partial credit guarantees and technical assistance to eligible financial intermediaries on a market-conforming and fully financially sustainable basis.

The Development Bank of Nigeria (DBN) was set up as a wholesale development finance institution (DFI) to provide sustainable financing through eligible Participating Financial Institutions (PFIs), who would in turn, lend to end-borrowers – Micro, Small and Medium Enterprises (MSMEs) for the development of that segment….

Who qualifies for the DBN loan?

All MSMEs (start up or existing) involved in productive enterprises are eligible for the loan. However, they must be customers of eligible financial institutions.

Loan Repayments and interest rate

DBN loan repayment tenure is flexible (up to 10 years with a moratorium period of up to 18 months) and the interest rates are on a market-conforming and fully financially sustainable basis. (should you have any issues with your PFI, kindly send feedback to the email ID at the end of this piece).

How to get a DBN Loan

DBN loans can be accessed through PFIs, which include Commercial Banks, Microfinance Banks, Development Finance Institutions (DFIs) and other Financial Institutions.

To access the loan:

1. Visit your bank:

Commercial Bank, Microfinance Bank, Development Finance Institution (DFI) and other Financial Institutions and indicate you want to apply for a DBN Loan.

2. The Bank appraises the business and loan purpose, and if its assessment is favourable, the Bank applies to DBN on your behalf for funding.

3. If DBN approves the loan, DBN will disburse to the Bank for on-lending to end borrowers.

You can access the DBN loan through any of these PFIs by contacting any of the banks listed below:

DiamondBank Olc

Ayodele Olojede –

Ecobank Nigeria Bank Plc

Nelson Paseda –

LAWAL Theresa – TOLAWAL@ecobank.

Fidelity Bank Plc

Osaigbovo Omorogbe –


Oluwaseun Adetiba –

Oluremi Agboola –


Adegoke Bayo –

Wema Bank Plc

Dotun Ifebogun –

AB Microfinance Bank Nigeria Ltd

Nnadozie Joseph –

Addosser Microfinance Bank

Olusola Howells –

Baobab Microfinance Bank

Achenyo Oyibo –

Bosak Microfinance Bank

Toyin Peters –

Infinity Microfinance Bank Ltd

Oludotun Adewunmi –

LAPO Microfinance Bank Ltd

Efosa Aigbe –

Microcred Microfinance Bank Nigeria Ltd

Omar Niaz –

NPF Microfinance Bank Plc

Jude Ohanehi –

Quick Contact

Our support is available to you.

8am – 5pm, Monday – Friday

Head Office:

The Clan Place,

Plot 1386A Tigris Crescent, Maitama, Abuja, Nigeria

Lagos Office:

Plot 952/953 Idejo Street,

Victoria Island, Lagos, Nigeria

Call: +234-9-904-0000, +234-811-3841-699