Special Report

Gender Disparity in Nigeria’s Academic Leadership

by Women Times on February 24, 2025

By Kafilat Taiwo

Of the 270 universities in Nigeria, only 12 have female Vice Chancellors.

Until February 6, 2025 that number was 13, before the Federal Government removed the Vice Chancellor of the University of Abuja, Aisha Maikudi.

The university system in Nigeria relies on various principal officers, including the Chancellor, Pro-Chancellor, Vice-Chancellor, Deputy Vice-Chancellor (Administration), Deputy Vice-Chancellor (Academic), Registrar, Librarian, and Bursar. These officers assume crucial roles within the university system.

The Vice‐Chancellor is responsible to the council for the leadership, management and development of the University and the realisation of its strategic plan. The Vice‐Chancellor is also the University’s principal academic officer.

Since 1960, only 38 of the over 720 individuals who have held the position of Vice Chancellor in the Nigerian University System have been women, while the remaining have been men.

The ratio of males to females in the Vice-Chancellor leadership shows a gender disparity between males and females in education leadership.

Currently, there are 258 male vice-chancellors in Nigeria and 12 female vice-chancellors which is about 95.3 percent to 4.7 percent.

Gender Disparity in Nigeria’s Academic Leadership

Also, with a ratio of 23.3% of female researchers, Nigeria ranks the 23rd in Africa in this metric. Mauritius, South Africa and Cabo Verde tops the list of countries with the highest share of female researchers in Africa with 48.60%; 46.60%; and 45.80% respectively.

Addressing Gender Disparity in the Nigerian Academic Sector

Just like in much of Nigerian society, gender inequality in Nigeria’s academic leadership persists, which negatively impacts women’s advancement in higher education leadership positions.

Credit: Dataphyte

Special Report

Inside Nigeria’s Bold Plan to Empower 10 Million Women – and Protect its Children

by Women Times on February 24, 2025

In 100 days, Mrs Sulaiman-Ibrahim has taken Nigeria’s Ministry of Women Affairs from rhetoric to action.

By Otega Ogra

Nigeria’s Minister of Women Affairs, Imaan Sulaiman-Ibrahim, had been in office for just a few days when she cradled a terrified 4-year-old girl—shaking, traumatized—after surviving brutal abuse.

That moment, she says, changed everything.

“I looked into her eyes, and I knew—this cannot be business as usual,” Mrs Sulaiman-Ibrahim told reporters in Abuja during a briefing marking her first 100 days in office under President Bola Ahmed Tinubu’s administration. “The time for slow progress is over. It is Women O’Clock in Nigeria.”

And she’s not kidding.

In just over three months, Mrs Sulaiman-Ibrahim has rolled out an ambitious plan to economically empower 10 million Nigerian women by 2027, overhaul child protection laws, and put Nigeria at the frontlines of global gender leadership.

Her message?
Policies are not enough. It’s action time.

Big Moves: 10 Million Women By 2027

At the centre of the minister’s plan is a major push to unlock the economic potential of Nigerian women—more than 100 million strong—as drivers of the country’s future.

“We’re not just talking about women’s empowerment as charity,” Mrs Sulaiman-Ibrahim said. “We’re talking about building a $1 trillion economy, and women will be at the center of it.”

The Ministry launched the Nigeria for Women Scale-Up Project, backed by the World Bank, to reach 4.5 million women across all 36 states and the capital, Abuja.

The goal?

Equip women with business skills, financial literacy, and cooperative funding to start and grow businesses.

But that’s not all.
A partnership with WEMA Bank is rolling out the MOWA-SARA Skills Acquisition Program—targeting 500,000 women for training in vocational skills, entrepreneurship, and digital finance.

In Kano State, the pilot program is already training 2,500 women in tailoring, catering, and hospitality.

And coming next—a National Microfinance Framework for Women Entrepreneurs to give women affordable loans and investment tools to build their futures.

No Child Left Behind

Economic empowerment is only part of the story.
The other half?
Protecting Nigeria’s most vulnerable—its children.

Mrs Sulaiman-Ibrahim made it clear: The nation’s children are now a top priority.

A Child Rights Act Review Committee is already working to toughen laws against child abuse, trafficking, and underage marriage—problems that have plagued Nigeria for years.

“We’re closing the loopholes. We’re making sure no abuser escapes justice,” the Minister said.

But she’s not stopping at laws.
Her Ministry is developing a National Child Protection Framework—a first-of-its-kind nationwide system to safeguard children—and is exploring the creation of a dedicated institution focused solely on child welfare.

In the meantime, Mrs Sulaiman-Ibrahim is tackling the everyday struggles holding girls back.
Her national menstrual hygiene campaign is distributing 10,000 menstrual kits to girls, aiming to keep them in school and break the stigma around periods.

Violence? Not On Her Watch

Mrs Sulaiman-Ibrahim’s message on gender-based violence is blunt: Enough is enough.

Representing Nigeria at the Global Ministerial Conference on Ending Violence Against Children in Bogotá, Colombia, she unveiled bold targets:
• 2 million children at risk of violence will receive support services by 2030.
• 10 million families will get evidence-based parenting support to prevent abuse at home.

“Nigeria is standing up,” she said. “We are saying—we will protect our children.”

Clean Energy for Survival

Mrs Sulaiman-Ibrahim’s focus also extends to climate survival, knowing that women in rural areas bear the harshest burden.
Her team is pushing to transition 1 million households from firewood cooking to clean energy solutions, reducing health risks and environmental damage.

Taking Nigeria to the World

But Mrs Sulaiman-Ibrahim isn’t just shaking things up at home—she’s putting Nigeria on the global map for gender equality leadership.

At the Commission on the Status of Women (CSW69) in New York this March, Nigeria will host six high-impact sessions—a historic first—on financial inclusion, women’s leadership, and child protection.

At COP29 in Azerbaijan, her Ministry will push for gender-focused climate action, demanding that women’s voices be part of global climate solutions.

“We are no longer on the sidelines. Nigeria is leading the global gender conversation,” she said.

The Road Ahead

The High-Level Presidential Advisory Council on Women and Girls has been formed to keep the momentum—bringing together policy leaders to ensure these programs don’t just stay on paper.

“We are breaking down doors so that Nigerian women and children get what they deserve,” Mrs Sulaiman-Ibrahim said.

Her message to Nigerians?

“It is Women O’Clock. We are not asking for permission. We are moving forward.”

The Bottom Line

In 100 days, Mrs Sulaiman-Ibrahim has taken Nigeria’s Ministry of Women Affairs from rhetoric to action.

The stakes are high.
But for the millions of Nigerian women and children depending on her, failure is not an option.

“We will get this done,” she said, with fire in her voice.
“Because their future depends on it.”

Special Report

From Exclusion to Inclusion: Ensuring Equal Access for Women in Nigeria

by Women Times on February 24, 2025

Many Nigerians assume that most people in the country have internet access, but this is far from the truth. In reality, access to digital technologies remains unequal, creating what is known as the digital divide.

Digital divide is the gap between those who can access and effectively use digital technologies and those who cannot. A significant number of people in Nigeria still lack internet access or the digital skills needed to navigate the online space. With the recent increase in data tariffs, this gap is likely to widen as more people struggle to afford basic internet access.

It is important to note that women and girls are disproportionately affected by this divide. Some might find it surprising, but deeply rooted societal norms continue to restrict women’s digital inclusion, with outdated beliefs limiting their participation in technology and online spaces. As we approach Women’s Month in March, it is crucial to discuss the gender digital divide and address the barriers preventing women and girls from fully engaging in the digital world.

Research conducted by Banyan Global highlights these disparities: 92% of men in Nigeria own mobile phones, compared to 88% of women. However, only 34% of women use mobile internet, compared to 54% of men. Furthermore, 68% of women do not own a smartphone, and only 37% of adolescent girls have phones, compared to approximately 77% of boys. These numbers underscore the urgent need to bridge the gender digital divide and ensure equal access to digital opportunities for all.

The digital divide does not just affect individuals, it impacts society and the economy at large. The recently adopted Global Digital Compact (GDC) of the United Nations prioritizes closing the digital divide. The first objective of the GDC is to eliminate all digital divides and accelerate progress across the Sustainable Development Goals (SDGs).

Yet, the digital divide is not just a technological issue; it is a human rights and legal concern. Restricted digital access violates fundamental rights protected under Nigerian and international law, particularly in areas such as access to information, education, economic empowerment, and gender equality.

Let’s dive into the legal implications of gender digital divide

1. Right to Information & Freedom of Expression

The right to access information and express opinions freely is a cornerstone of democracy and development. Section 39 of the Nigerian Constitution guarantees every citizen the right to freedom of expression, including the right to seek, receive, and impart information. Similarly, Article 19 of the Universal Declaration of Human Rights (UDHR) upholds this right at the international level.

However, limited internet access disproportionately affects marginalized groups, particularly women and rural communities, effectively silencing their voices in public discourse. Without affordable and reliable internet, many Nigerians are excluded from accessing government policies, educational content, employment opportunities, and global conversations that shape their rights and livelihoods.

2. Right to Education

‘Marriage is a choice’: Working with People with Disabilities To Address Gender-Based Violence

by Women Times on February 24, 2025

“I live with my six children, one of whom has a disability,” said 40-year-old Zeteny, from the Anôsy region in Madagascar’s Grand Sud region. “I look after my disabled son full-time, and my 14-year-old daughter had to leave school to work and support us.”

Years of successive droughts have wrought havoc on already fragile livelihoods for millions of people in the Grand Sud, leaving many with few options when trying to cope with rising household expenses.

“I was tempted to get [my daughter] married so we’d have more resources,” Zeteny told UNFPA, the United Nations sexual and reproductive health agency.

Child marriage is one of the most common types of gender-based violence in Madagascar, with 40 per cent of girls married before they are 18. Limiting their futures even further, more than half of girls in the Anôsy region have never attended school, and just 1 per cent have graduated from secondary school.

But for Zeteny, an information session held by UNFPA and its partner organization the Association of Women with Disabilities in Madagascar was key in changing her mind. The sessions raise awareness about gender-based violence and countering the harmful norms that perpetuate it.

“With the messages I’ve just received, I’m convinced I’ll enroll her in school again,” she told UNFPA.

Awareness for all

Tackling harmful practices takes buy-in from the entire community, so the information sessions are held at schools and in villages, and often involve local leaders. This means everyone can participate – even girls who have had to abandon their studies to bear children.

Nicolette attended a session on child marriage at her school, prompting her to reconsider recent events in her friends’ lives.

“I realized that some of them left school and then I found them with babies,” the 16-year-old explained to Razafinjato Fela, who heads the association. “I didn’t know that we could be ‘victims of child marriage,’ as you say. For me, marriage is a happy event, and I was happy for them. But now I realize that was not necessarily the case.”

“I’m lucky to have parents who encourage me to continue my studies. What I want now is for all the girls in our school to be able to study, to pursue their dreams and not be forced to get married and drop out of school.”

And Nicolette is intent on becoming an advocate for girls to make their own choices about their own futures. “I’m going to discuss this with my other friends, so that they too can pass on the message – because now we know that our friends, our neighbours, our cousins can fall victim to it, whereas everyone has the right to realize their ambitions, and marriage is a choice!”

To make sure the initiative is as inclusive as possible, persons with a disability are encouraged to join the association and deliver information sessions. In fact, young people with disabilities face elevated risks of gender-based violence and sexual violence, and are as likely as their peers to be married off as children.

Zeteny was inspired as much by the people delivering the awareness-raising activities as by the sessions themselves: “I see how those with disabilities manage to do things that I would never have imagined.”

Nicolette said she’d also be taking a more open-minded approach to everyone in her community. “From now on, I’ll avoid discriminating against persons with disabilities, because they have rights too, just like me.”

Raising voices to raise awareness

Through education, the association is determined to challenge outdated perceptions and stereotypes. Nancy, a 14-year-old student who participated in the awareness-raising session, called on others to join the movement.

“I invite everyone to stop gender-based violence, because it destroys people,” she said. “It has a psychological and physical impact, especially on children and young people. It causes trauma and they may not be able to continue their studies.

“We all have to fight against violence, especially us women – even if we’re called fragile objects, because we’re not!”

In 2019, the government passed a law to strengthen prosecutions of gender-based violence, a critical move in a country where one third of women that same year reported to have been subjected to physical or sexual violence at some point in their lifetime.

The UNFPA awareness-raising campaign is part of its ‘Women at the Centre’ project, which is funded by the Takeda Pharmaceutical Company Ltd. and implemented by UNFPA. The project was launched in Madagascar in 2023 in the regions of Androy, Anôsy, Itasy and Menabe. In 2024, UNFPA reached more than 230,000 people with information and awareness sessions, referrals to health centres, training for income-generating activities, and psychosocial and legal support.

Special Report

Bridging the Digital Gender Gap: Digital Literacy Skills Open Doors for Young Women

by Women Times on February 24, 2025

As a child growing up in Morogoro, Tanzania, Annagrace Malamsha was always drawn to the sciences. While many young girls in her primary school seemed to steer away from science subjects, she found them fascinating, driven by a deep curiosity to understand how things work. It was there that she also started to develop a love for ICT.

Guided by her passion and school support, she eventually pursued a university degree in Pharmacy. Then, in 2023, she seized the opportunity to apply for a African Girls Can Code Initiative (AGCCI) coding camp in Dar es Salaam and was accepted, reigniting her dream of exploring the tech sector.

“The AGCCI Coding Camp has been a life changer, and a core part of shaping my perception on pursuing careers within the Tech space,” said Malamsha.

Malamsha, along with Flora Kagoma are two of 100 shining examples of how the AGCCI “Binti Dijitali” programme is making an impact to young women and girls in Tanzania.

Implemented by UN Women in collaboration with the Ministries of Gender, ICT, and Education in Mainland Tanzania and Zanzibar, African Union Commission, and the International Telecommunication Union, AGCCI, supported by the Government of Belgium targets girls and young women aged 17 to 25, providing them with training in coding and digital literacy.

During its first phase (2018–2021), the initiative empowered more than 600 participants from 32 African countries to pursue careers and innovations in ICT. Building on this success, the second phase, funded by the Government of Belgium and executed in partnership with schools, NGOs, private sector organizations, and government agencies, expanded its reach across 11 countries including Tanzania, benefiting over 1,000 girls through intensive coding camps that covered foundational programming and hands-on digital training.

According to UN Women Programme Specialist for Women’s Economic Empowerment, Ms. Lilian Mwamdanga, the program aims to bridge the digital gender gap, ensuring that women and girls can compete in the workforce in a rapidly evolving world.

“Information and Communication Technology (ICT) is emerging as a powerful tool for economic empowerment, creating opportunities in employment, entrepreneurship, and innovation. Yet, despite rapid digital advancements, women remain underrepresented in the tech sector,” she said. “By empowering them with the skills they need, we can help bridge this gap and create a more inclusive digital economy, where women and girls can contribute towards driving innovation and economic growth.”

Following the coding camp, Malamsha was able to use the skills she gained to pivot from her career as a pharmacist with a stronger focus on digital marketing.

“I was able to use what I learned from the coding camp to work as a freelance graphics designer, brand manager and social media manager.”

Since participating in the camp, Annagrace has consistently sought opportunities to give back to her community. Her initiatives range from engaging in international campaigns that empower women to providing training in digital marketing. Currently, she is the co-founder of SHEWORKS in Tech, an initiative dedicated to establishing digital clubs in secondary schools and equipping the next generation of innovators with essential skills.

“I want girls to know that coding and working in the ICT sector is not reserved for men,” Annagrace insists. “We must challenge the status quo and address the gender divide, one training session at a time.”

Flora Kagoma, a 24-year-old electronics engineer from the University of Dar es Salaam, joined the Binti Dijitali coding camp in 2023 to acquire practical skills for solving real-world problems in Tanzania’s agriculture and energy sectors.

“I have always been intrigued by how technology can solve everyday issues. But the camp gave me hands-on experience in building practical solutions, and I realized I could channel my passion for electronics toward improving people’s lives,” she said.

During the two-week camp, she assembled a robot, fulfilling a longtime dream. She also collaborated on a project addressing farmers’ challenges. This experience paved the way for other high-profile initiatives, including building a Smart Energy System showcased at TAWECE 2024 and an AI-enhanced drone for early crop disease detection, which earned her second place in the Mama Samia Award for Best Agriculture Idea.

Motivated by the camp’s impact, Flora now mentors secondary students through Smart Girls in ICT across Arusha, Manyara, Tanga, and Kilimanjaro, advocating for the inclusion of young women in technological innovation.

As digital skills become the cornerstone of modern economies, initiatives like AGCCI are vital for closing the gender gap in technology empowering more women to become leaders in technology. The program, currently in its third phase, will host additional coding camps in 2025 to expand opportunities, empower more young women, and drive inclusive growth and innovation across Tanzania.

“Technology is a powerful tool for change; if we don’t bring young women on board, we’re missing half the country’s potential,” said Flora.

Special Report

Game Changing Money Lessons You Need to Know Before 30

by Women Times on February 7, 2025

By Sarah Amana

For many young adults, the road to financial stability can be confusing and overwhelming. Yet, the earlier you master key money principles, the easier it becomes to build lasting wealth. Whether you’re just starting your career or looking to improve your financial habits, these game-changing money lessons will set you up for success before you turn 30.

1. Financial Independence is Non-Negotiable

Relying solely on others for financial support can be risky. It’s essential to have your own income, savings, and investments to maintain independence and security.

2. Investing is the Key to Wealth

A paycheck alone won’t make you wealthy, investing will. Start early, no matter how small, and let compound interest work in your favor. Stocks, real estate, and mutual funds are great options to explore.

3. Budgeting Brings Freedom

Contrary to what many believe, budgeting doesn’t restrict you; it empowers you. The 50/30/20 rule (50% needs, 30% wants, 20% savings/investments) is a simple yet powerful framework for managing your money wisely.

4. Debt Can Make or Break You

Not all debt is bad, but it must be handled wisely. Borrow for assets that appreciate in value (e.g., property, education), not for fleeting luxuries.

5. Emergency Funds are a Must

Life is unpredictable. Having 3–6 months’ worth of expenses saved ensures you’re financially prepared for unexpected situations like job loss or medical emergencies.

6. Protect Your Wealth from Inflation

The value of money decreases over time due to inflation. To preserve and grow your wealth, diversify your investments into foreign assets, stocks, and real estate.

7. Your Network Impacts Your Net Worth

Surround yourself with people who are financially savvy. The right network can expose you to better opportunities, mentorship, and investment insights.

8. Master Negotiation Skills

Whether it’s your salary, a business deal, or a contract, never settle for the first offer. Negotiation is a critical skill that can significantly impact your financial growth.

9. Fix Your Money Mindset

Fear and limiting beliefs about money can hold you back. Learn to view money as a tool for growth, not a source of stress. Develop a mindset that embraces wealth-building.

10. Financial Literacy Over Luxury

Spending on designer brands and extravagant lifestyles might seem appealing, but true wealth comes from knowledge and smart financial decisions. Prioritize learning about money management over impressing others.

Final Thoughts

The financial habits you build in your 20s will shape your future. By implementing these lessons early, you can avoid common pitfalls and create a path toward lasting financial success. Start now! your future self will thank you.

Special Report

AXA Mansard Health Strengthens Partnerships with Providers to Enhance Customer Experience in 2025

by Women Times on February 6, 2025

As part of its continued effort to ensure that its customers receive quality healthcare services anywhere and anytime, Nigeria’s leading health insurance company, AXA Mansard Health, has brought together over 1,000 healthcare professionals in Lagos, Port Harcourt, and Abuja during its annual providers’ forum.

According to Tope Adeniyi, the Chief Executive Officer of AXA Mansard Health Limited, the annual Health Providers Forum, themed “Together for Wellness,” underscores the company’s commitment to engaging its providers so they can deliver exceptional services to its customers.

In his keynote address, Adeniyi emphasized the importance of the forum’s theme and the company’s dedication to its customers.

“Our providers are integral to our vision,” he remarked. “We are a customer-first company in principle and practice. But our providers are at the heart of that commitment. When our providers give our customers the best care, then our customers can validate our promise. So, this forum is an opportunity to listen, learn, and ensure that we continue evolving with our providers in the ultimate pursuit of a healthier and more prosperous society.”

He further noted that the roles of healthcare providers and health insurance organizations in national development are integral, emphasizing that providers should appreciate the forum not just as another engagement but as an opportunity to share in a purpose that contributes to a better society.

“At AXA Mansard, our purpose is acting for human progress by protecting what matters. Health matters not just to individuals but also to the national development of any nation. The healthier the people a nation has, the higher its capacity and propensity for development.”

He added, “So our meeting here today is not just for the wellness of our customers and your patients; it is for the collective prosperity of our country. We invite you to join us on this ambitious journey to make healthcare accessible and available in Nigeria.”

One of the highlights of the event was the recognition of outstanding providers who had gone above and beyond in delivering quality care to customers. These providers were celebrated for their dedication, innovation, and excellence in service, reinforcing the message that AXA Mansard values and supports its provider network.

As AXA MansardAs AXA Mansard Health moves into 2025, the insights and feedback gathered from this forum will be instrumental in improving its customers’ services.

Special Report

Why Personal Finance is a Lifeline for Women in Africa: A Deep Dive into the Gender Wealth Gap

by Women Times on January 29, 2025

In many parts of Africa, women face systemic barriers to financial independence, from wage inequality to limited access to credit and investment opportunities.

According to a 2021 World Bank report, women in sub-Saharan Africa earn about 23% less than men on average, while only 34% of women have access to financial services compared to 51% of men. These challenges create a glaring wealth gap that perpetuates economic vulnerability for women across the continent.

However, personal finance education and empowerment can serve as a powerful antidote to these systemic inequalities. By equipping women with the knowledge and tools to manage their finances effectively, we can pave the way for greater financial autonomy and economic stability.

The Gender Wealth Gap in Africa

The gender wealth gap is a multifaceted issue rooted in historical, cultural, and economic disparities. A 2022 McKinsey report found that African women contribute over 40% to the continent’s GDP, yet they own less than 10% of its wealth. This disparity is fueled by:
• Income Inequality: Women in Africa are overrepresented in low-paying, informal sectors such as agriculture and domestic work.
• Financial Exclusion: Many women lack access to credit, investment platforms, and financial literacy programs.
• Cultural Barriers: In some African communities, cultural norms discourage women from owning property or controlling household finances.

Dr. Ngozi Okonjo-Iweala, Director-General of the WTO, states, “Investing in women is not just about fairness—it’s smart economics. Empowering women financially unlocks growth for families, communities, and entire nations.”

Why Personal Finance Matters for African Women

Personal finance isn’t just about money management; it’s about empowerment, independence, and building a sustainable future. For African women, this empowerment can have transformative effects on individual lives and entire communities.

1. Reducing Financial Dependence

In many African households, financial decision-making is often male-dominated. This dependence leaves women vulnerable to abuse, neglect, and poverty. By managing their own finances, women gain control over their economic future.

A 2023 UN Women report highlighted that financially independent women are 40% less likely to remain in abusive relationships, underscoring the role of personal finance in fostering autonomy and safety.

2. Breaking the Cycle of Poverty

Financial literacy enables women to save, invest, and make informed decisions. A study by the African Development Bank (AfDB) found that women who receive financial education are 20% more likely to start small businesses, which can create a ripple effect of economic empowerment within their communities.

“Teach a woman to save, and you’ve taught a family to thrive,” says Nimi Akinkugbe, renowned Nigerian finance expert and author.

3. Access to Credit and Investment Opportunities

Access to credit remains a significant barrier for women in Africa. According to the Global Findex Database, only 27% of women in sub-Saharan Africa have access to formal financial institutions. Financial education equips women with the knowledge to leverage microfinance, cooperative savings, and fintech platforms to access credit and build wealth.

Success Stories: African Women Thriving Through Personal Finance

1. Nigeria: Women Leveraging Fintech for Growth

Fintech platforms like PiggyVest and Cowrywise have empowered thousands of Nigerian women to save and invest effectively. For example, 75% of users on PiggyVest are women who collectively saved over ₦1 billion in 2023. These platforms eliminate barriers such as high entry costs and limited financial literacy by providing user-friendly tools and education.

2. Kenya: Empowering Women Entrepreneurs

In Kenya, M-Pesa, a mobile money platform, has revolutionized access to financial services for women in rural areas. A 2022 study by MIT found that M-Pesa lifted 2% of Kenyan households out of poverty, with women-led households benefiting disproportionately.

3. South Africa: Addressing Wage Disparities

In South Africa, initiatives like the Women in Finance Network aim to bridge the wage gap by mentoring and educating women in financial management and career advancement. The program has supported over 5,000 women in attaining higher-paying roles and negotiating better wages.

How Governments and Organizations Can Support Women’s Financial Empowerment

1. Policy Interventions

Governments must prioritize gender-inclusive policies that address wage inequality, ensure property rights for women, and expand access to financial services.
• In Rwanda, government-led gender quotas have significantly improved women’s participation in leadership and economic decision-making, contributing to a narrowing gender wealth gap.

2. Financial Literacy Programs

Public and private institutions should invest in grassroots financial literacy campaigns targeting women. For instance, the Nigerian Stock Exchange runs an annual X-Academy Women in Finance Workshop to teach women investment strategies.

3. Leveraging Technology

Fintech companies play a critical role in democratizing access to financial services for women. In Nigeria, apps like Shecluded provide tailored financial education and loans for women entrepreneurs.

Quotes from Experts and Advocates

1. Chimamanda Ngozi Adichie, Nigerian Author:
“Empowering women economically is not just about fairness—it’s about progress. When women thrive, societies thrive.”

2. Graça Machel, Former First Lady of Mozambique:
“When we empower women with financial tools, we empower them to rewrite their stories and uplift their communities.”

3. Ngozi Okonjo-Iweala, WTO Director-General:
“Financial literacy and inclusion are the twin engines that drive gender equality and economic growth in Africa.”

Conclusion

Personal finance is more than a skill; it’s a lifeline for women across Africa. By addressing the systemic barriers that perpetuate the gender wealth gap and equipping women with the tools to manage their finances, we can unlock economic prosperity for millions.

As we continue to fight for gender equality, the words of Nigerian finance expert Arese Ugwu resonate deeply: “A financially empowered woman is unstoppable. She becomes a force for change, not just for herself, but for her family and community.”

By prioritizing personal finance education and policy reforms, Africa can take a significant step toward a future where every woman has the opportunity to thrive.

Special Report

FirstBank’s FirstGem: Redefining Women’s Empowerment in Nigeria

by Women Times on January 27, 2025

The story of women’s contribution to Nigeria’s economy is as old as the nation itself. It is no secret that women are the largest untapped source of national wealth worldwide. All over the world, women hold their place of pride in commercial enterprise. The Nigerian businesswoman have for a long time faced significant barriers in accessing the financial services and business support needed for their businesses to thrive. Globally, traditional banking failed to recognize the unique challenges of female entrepreneurs. It is against this backdrop that the 2019 International Women’s Day theme was, ‘Better the Balance, Better the World’. FirstBank’s ground breaking FirstGem product emerged, poised to redefine the landscape of women’s empowerment in Nigeria.

FirstBank in October 2016 launched FirstGem in line with the Bank’s deliberate strategy to drive financial inclusion and all round development of women through gender advancement programs wrapped around savings culture, financial literacy, loan management and building an investment portfolio. FirstGem represents a paradigm shift in the way women’s banking needs are addressed. “We recognized that women need more than just capital, they need a complete ecosystem of support,” explains FirstBank’s Sources. “They need a complete ecosystem of support that nurtures their ambitions and empowers them to reach new heights.”

This guiding principle has shaped FirstGem into a multifaceted program that seamlessly blends tailored financial services with comprehensive business development initiatives. By tackling the diverse needs of female entrepreneurs, FirstGem has become a catalyst for transformative change, empowering women to not just survive, but thrive.

At the heart of FirstGem lies a suite of financial offerings carefully curated to address the specific challenges faced by Nigerian businesswomen. Gone are the rigid requirements and one-size-fits-all approaches that have historically deterred female entrepreneurs from accessing crucial funding for their businesses.

FirstGem eliminates the financial barriers of account maintenance, ensuring that women can focus their resources on growing their enterprises as the account comes with Zero Monthly Service Fees. The program’s innovative approach to securing loans considers the unique circumstances of female entrepreneurs, opening up new avenues for access to funding.

Specialized Credit Lines is one of the offerings of FirstGem with a diverse range of financing options tailored to the diverse stages and needs of women-led businesses, empowering them to scale with confidence. Digital Banking Integration ensures seamless mobile and online banking services designed for busy entrepreneurs allow FirstGem members to manage their finances with unparalleled convenience.

While the financial services offered by FirstGem are undoubtedly transformative, the program’s true strength lies in its multifaceted approach to empowering women. By combining tailored banking solutions with comprehensive business development initiatives, FirstGem has created a robust ecosystem that nurtures the growth and success of female entrepreneurs.

Skills Development Programs designed as Regular workshops on financial management, business strategy, digital marketing, and e-commerce equip FirstGem members with the knowledge and tools needed to navigate the ever-evolving business landscape. Networking Opportunities are also provided through quarterly networking events, mentorship programs, and industry-specific forums connect FirstGem members with a vibrant community of successful businesswomen, fostering invaluable peer-to-peer learning and collaboration.

Advisory Services are also available through dedicated relationship managers, trained in understanding the unique needs of women-led enterprises, provide tailored guidance on business plan development, market analysis, and strategic expansion.

Recently at the FirstBank Sponsored Demo Day of Transitioning to Tech for Women Programme, that held on Wednesday, 15 January 2025, at The Mike Adenuga Centre, the Chief Technology Officer for FirstBank, Mrs Adeshina Rachel, delivered a keynote speech highlighting the commitment of FirstBank to women empowerment through the FirstGem initiative. She said “FirstBank’s commitment to women empowerment aligns seamlessly with the mission of the Transitioning to Tech for Women programme as part of our FirstGem initiative. We are thrilled to sponsor this initiative because it embodies everything we stand for—resilience, innovation, and a belief that everyone, regardless of gender, deserves a chance to succeed…. To the graduates of this programme, you are more than participants; you are pioneers. Your success is a declaration that the gender gap in tech is closing, not because others made space for you, but because you claimed it for yourselves., FirstBank is proud to be a part of this transition”.

The impact of FirstGem extends far beyond individual business success stories, as the program has become a catalyst for broad social change, creating ripple effects that are transforming communities across the country. In terms of economic empowerment, recent studies show that FirstGem members have experienced a 60% average increase in business turnover within two years, a 45% improvement in household income, and a 40% increase in employment generation — remarkable achievements that are redefining the entrepreneurial landscape.

The program’s influence on communities is equally profound, with over one million jobs created by FirstGem members all over the country and more than a million young women mentored, and a staggering 80% of members reporting increased participation in household decision-making.

FirstGem’s remarkable achievements have not gone unnoticed, with the program receiving prestigious accolades such as the “Best Women’s Banking Initiative” at the African Banking Awards, “Innovation in Financial Inclusion” from the Central Bank of Nigeria, and “Excellence in Women’s Economic Empowerment” from the Global Banking Alliance for Women.

As Nigeria continues its journey toward economic diversification, the role of FirstGem becomes increasingly vital. The program’s success has demonstrated the transformative power of tailoring financial services and business support to the unique needs of female entrepreneurs. FirstGem’s future initiatives include the expansion of digital banking solutions, the introduction of specialized investment products, enhanced cross-border trading support, and a heightened focus on nurturing tech-savvy women in business.

FirstGem represents more than just a banking program; it is a movement toward financial inclusion and women’s economic empowerment, a testament to the boundless potential that lies within Nigeria’s trailblazing female entrepreneurs. For aspiring women in business, FirstGem offers a clear message: success is not just possible — it is supported by a comprehensive ecosystem designed to unleash their full potential. As one FirstGem member eloquently stated, “This isn’t just about banking; it’s about believing in women’s power and providing the tools we need to succeed.”

FirstGem stands as a beacon of progress and possibility, in the face of Nigeria’s ever-evolving commercial milieu. By combining financial access with holistic business support, the program is helping write a new chapter in the story of Nigeria’s women in business — a chapter that celebrates their resilience, their innovation, and their unwavering determination to shape the nation’s economic future.

Testimonies abound from FirstGem account holders like MANKILIK RESAT BECKY the proprietor of 9thMay Enterprise: “the FirstGem loan was helpful to my business, it gave me a leap as the price of fabrics and other materials went really high and I needed to restock. The most amazing part of this facility is the interest rate, it is just WOW!”

Mrs Aluko Titilayo Magret is the prime mover of Precious Luck Top Farm Enterprises: She is into sales of Animalfeeds mill and Vaccines consultancy. She is enjoying the facility especially with the low interest rates she is paying, Customer is delighted that she has access to draw down any time she needs to stock her goods, which has led to an increase in her business monthly turnover.

For FirstBank, this journey is not merely about banking; it is about building a more inclusive and prosperous Nigeria, one woman at a time.

Through FirstGem, the bank is empowering females everywhere to transform their communities, contributing to the nation’s economic growth and inspiring generations to come. As Nigeria moves forward, initiatives like FirstGem are crucial in ensuring that women’s economic empowerment remains at the forefront of national development. For FirstBank, it’s not just about banking, it’s about building a more inclusive and prosperous Nigeria, one woman at a time.

By Tosin Ajayi

Culled from Nigerian Tribune

Special Report

Redefining the Disconnect in Strategic Communication between the Nigerian Government and the People

by Women Times on October 11, 2024

By Dr. Omolaraeni Olaosebikan

The relationship between the government and the governed is pivotal for the progress and growth of any society. When the government fails to effectively communicate its policies, programs, and initiatives to the citizens, it only deepens the distrust and disconnect between them.

Studies have shown that most African citizens don’t trust their leaders as the news of corruption allegations and other vices seem to be the order of the day. This is not different in Nigeria, a country regarded as the giant of Africa. The lack of trust in leadership can have far-reaching consequences, affecting the country’s socio-economic development and political stability. Addressing corruption and restoring faith in government institutions is crucial to building a better future for all Nigerians. Leaders need to demonstrate transparency, accountability, and integrity to regain the trust of their people and work towards a more prosperous and equitable society.

The lack of strategic communication in government activities across all levels in the country is a concerning issue. While funds are being released by ministries and agencies to support businesses and citizens, the intended beneficiaries are not effectively reached due to inadequate messaging. This communication gap creates opportunities for corrupt individuals and officials to exploit the situation for personal gain. Addressing this communication inefficiency is crucial to ensuring the effective and transparent distribution of resources to those in need, ultimately preventing misuse and corruption. A more coordinated and targeted approach to communication can help bridge this gap and ensure that government support reaches its intended recipients efficiently and fairly.

Unfortunately, due to economic challenges, some businesses have been forced to shut down, leading to a mass exodus of citizens, especially the youth, who are seeking better opportunities abroad. This phenomenon has been termed the ‘Japa syndrome’, as individuals are opting to leave their homeland in search of greener pastures. The increasing trend of young people leaving the country in pursuit of better prospects reflects the struggles and limitations faced by businesses and individuals within the local economy. It highlights the need for reforms and support to retain talent and foster growth within the community.
At every stage, Nigerian political leaders must take a cue from developed countries that many young individuals aspire to live in. By examining what sets these countries apart and makes them attractive to their citizens, Nigerian leaders can gain valuable insights. While direct comparisons may not always be relevant due to differing contexts, conducting a thorough study of successful practices in developed nations can serve as a guide for the Nigerian government in making informed decisions. Looking at what these countries have done right can provide a yardstick for measuring progress and implementing positive changes for the benefit of Nigerian society.

To renew the hope of the citizens and business community in line with President Bola Ahmed Tinubu’s ‘Renewed Hope’ mantra, strategic communication plays a pivotal role. It is crucial to bear in mind that the hallmark of good governance lies in maintaining an accountable, transparent, fair, and efficient system. By effectively communicating government initiatives, policies, and progress, trust and confidence can be fostered among the people and businesses. This transparent and open dialogue ensures that stakeholders are well-informed and engaged, promoting a sense of inclusivity and collaboration. Ultimately, strategic communication is instrumental in building a stronger foundation for a prosperous and sustainable future for all.

Fundamentally, strategic communication plays a crucial role in averting crises like riots or protests that may arise when new policies are introduced. Take, for instance, the tragic outcome of the #EndBadGovernance protest in some regions – it could have been prevented with effective communication strategies. Through strategic communication, governments can sway citizen opinions towards endorsing national objectives, fostering a closer relationship between the government and its people. In this way, a symbiotic connection is established, benefitting both parties involved.

Emphasizing the importance of strategic communication is essential, as the failure to do so has been a contributing factor to the rise of fake news and misinformation. Research shows that there is a lack of public knowledge about the government’s continuous endeavors, as they usually only announce their projects, plans, and achievements during specific occasions. President Tinubu’s speech at the 64th Independence Day festivities exemplifies this ongoing problem.

Citizens feel the government doesn’t value or see them as key stakeholders aside from election time. They feel that news disseminated is not completely true or has hidden facts. The Case of Dangote Refinery and Nigerian National Petroleum Company (NNPC) Limited is an example. Aliko Dangote, Chief Executive Officer of Dangote Refinery, had to address the media before his concerns were addressed. It also shows that the government often waits for citizens’ outbursts before responding to critical issues.

Another issue is the lack of transparent communication regarding developments in the oil and gas sector, leaving citizens uninformed. An example of this is the Port Harcourt refinery in Rivers State, which has yet to start operations despite assurances from the Federal Ministry of Petroleum Resources and NNPC. This lack of clarity raises concerns about the government’s ability to deliver on its promises and effectively manage the oil and gas industry. Citizens deserve more transparency and accountability to understand the status of crucial projects like the Port Harcourt refinery and the overall state of the sector.

In another vein, citizens are always told to be patient by the government but are not told what to do to complement the government’s effort through effective communication campaigns. So, communicating ways citizens can mitigate the effects of climate change and natural disasters; and ways to support security agencies in reducing terrorism, kidnapping; and others could boost citizens’ engagement in contributing to nation-building. This includes the government being transparent in communicating its plans and programmes.

I am very certain that the governments of developed nations prioritize proactive communication with their citizens rather than waiting for crises to unfold. By fostering transparency and open dialogue, they have successfully garnered the trust of their people. This approach has cultivated a generation of patriotic individuals who are committed to safeguarding the integrity and stability of their nations at all costs. This proactive communication strategy not only ensures a sense of unity and shared responsibility but also lays the foundation for a strong bond between the government and its citizens, ultimately contributing to the overall well-being and prosperity of the country.

The key to success for government at all levels lies in prioritizing strategic communication. It is essential for them to take a proactive approach to communication rather than simply reacting to problems. It is time to shift focus away from propaganda and instead concentrate on transparent communication methods that encourage citizen participation. By collaborating closely with the citizens, Nigeria can reach its true potential and flourish. The political leaders must accentuate open, honest communication to establish trust and encourage collaboration between the government and the people in order to make Nigeria great.

Dr. Omolaraeni Olaosebikan is a strategic communications expert and the CEO of McEnies Global Communications, a leading strategic integrated marketing communications agency in Nigeria.

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