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API: Citizen’s Trust on President, NASS, Judiciary Others Erodes, As Social Cohesion Index Stalls at 46.8%

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Joel Ajayi 


Africa Polling Institute (API), an independent, non-profit and non-partisan opinion research think-tank, has released its 2025 Nigeria Social Cohesion Survey report.


The report launched at a national dialogue in Abuja on Thursday, 03 July 2025, has computed the Nigeria Social Cohesion Index (NSCI) as 46.8%. This index is below the average score of 50 percentage points, and indicates a weak state of social cohesion in Nigeria. 


The survey findings report growing citizens distrust and low public confidence in the government and public institutions. Specifically, 83% of Nigerians expressed little to no trust in the government of President Bola Ahmed Tinubu; and 82% expressed the same sentiments in the National Assembly under the leadership of Senate President, Dr. Godswill Akpabio and House of Representatives Speaker, Rt. Hon. Tajudeen Abass.

Also, 79% said they have little to no trust in the judiciary, under the leadership of the erstwhile CJN, Justice Kayode Ariwoola, and the current one, Justice Kudirat Kekere-Ekun. In comparison with previous editions (2019, 2021 and 2022), the data reveals that citizens trust and public confidence are currently at their lowest ebb. 


In addition, the survey found that Nigerians now seem to be united in shared struggle, especially as it pertains to their everyday lives, and the negative impact of the current economic realities. It is not uncommon to hear citizens constantly alluding to the economic hardship, high costs of transport, and goods and services, as well as the lack of economic prosperity under the “Tinubu economy.” 


Africa Polling Institute (API), with the support of Ford Foundation, conducted a nationwide Citizens Perception Survey (CPS) to measure the state of social cohesion in Nigeria, between the months of January and February 2025. A total of 5,465 interviews were completed via Face-to-face Household visits, using the Stratified Random Sampling technique; with citizens aged 15 years and above.

The interviews were conducted in five major languages: English, Pidgin, Hausa, Igbo and Yoruba; and geographic quotas were assigned to ensure that all States and Senatorial District were proportionately represented in the sample.


The concept of social cohesion refers to the willingness of citizens of a country to cooperate and work together towards ensuring the survival and prosperity of the country. Drawing from the literature, and building upon the 2019, 2021, and 2022 rounds of surveys, 14 indicators were instrumentalized to measure social cohesion in Nigeria – Identity; Trust; Social Justice and Equity; Civic Participation; Tolerance; Gender Equity; Disability and Inclusion, Impunity; Corruption; Natural Resource Governance; Polarization; Security and Peacebuilding; Coping Strategies; Migration; Self-worth and Future Expectations. Overall, the results of the 2025 Nigeria Social Cohesion Survey and the Nigeria Social Cohesion Index, was computed at a score of 46.8%, suggesting that Nigeria still falls below the average (50%) threshold of a socially cohesive country. Key Findings from the 2025.

Survey‘Identity’ IndicatorThe survey revealed that 53% of Nigerians “feel disappointed in Nigeria”, compared to 33% who feel truly proud of the country; while 12% feel indifferent. Also, 48% of Nigerians are proud of being equally Nigerian and from their ethnic group; while 27% identify more with their ethnicity than with being Nigerian, compared to only 11% feel more Nigerian than ethnic. 


‘Trust Indicator’The survey reported that 83% of Nigerians expressed little to No trust in the government of President Bola Tinubu. Specifically, 53% expressed no trust at all in the administration, while 30% expressed little trust. Similarly, 82% expressed little to no trust in the National Assembly, under the leadership of Senate President, Dr. Godswill Akpabio and House of Representatives Speaker, Rt. Hon. Tajudeen Abass. 


Also, 79% expressed little to no trust in the judiciary, under the leadership of the erstwhile CJN, Justice Kayode Ariwoola, and the current one, Justice Kudirat Kekere-Ekun. 


‘Civic Participation and Patriotism’ Indicator 68% of citizens are “Extremely or Somewhat Willing” to sacrifice or give up something of interest for the collective good of the nation; 79% are “Extremely or Somewhat Willing” to cooperate with fellow citizens from other ethnic groups to make Nigeria more united; and 76% are “Extremely or Somewhat Willing” to participate in the political process to make Nigeria a better place for all. 


Also, 91% expressed their willingness to support inter-ethnic marriages versus 64% who expressed support for inter-religious marriages.‘Corruption’ IndicatorAlmost 6 in 10 citizens (61%) believe that the level of corruption has increased significantly in the past year, while 64% assessed the government’s efforts at tackling corruption “Poorly”. ‘Gender Equity’ Indicator 7 in 10 Nigerians (71%) agrees that women should be allowed to lead in politics, corporate entities and religious organizations; and 73% agree that women should be given equal entitlement to family inheritances. 


Another 73% believe women who marry into other states should be allowed to have equal opportunity in their husband’s state. Also, 39% rated government’s effort at promoting gender equity as “Poor”; as against about a third (33%) who rate government “Fair”, and 28% who rated them positively. Furthermore, 63% said they would vote for a Woman as President of Nigeria, 69% would vote a Woman as State Governor, and 76% would vote for a Woman as Local Government Chairperson.


‘Self-Worth and Future Expectation’ IndicatorRegarding self-worth, 59% of Nigerians feel “Extremely or Somewhat Dissatisfied” about their lives as Nigerians right now; while 53% would consider relocating abroad with family members if offered the opportunity. Also, 56% of citizens believe that the future of the country would be much better than it is presently; compared to 26% who expressed pessimism that the future would be much worse.


Recommendations: API reiterates the need for a National Cohesion Commission with the crucial responsibility for ensuring that policies, programmes, and activities of government are targeted at promoting unity and trust, creating a sense of belonging, fostering inclusive governance, providing hope for a brighter future and continuously offering citizens opportunities for upward mobility. 


The Federal Government needs to forge a new social contract with Nigerians, one that clearly spells out the benefits of citizenship and the responsibility of the state towards citizens and vice versa. 


Unlike Section 2 of Nigeria’s 1999 Constitution, as amended, which enshrines the rights of citizens and affirms the democratic values of human dignity, equality and freedom, yet remains non-justiciable.

The new social contract should be clear seen as putting Nigerians first, not just in words, but also in action. Nigeria is also in need of a new shared vision and national identity, one that emphasizes the country’s uniqueness, its strength in population and diversity; where citizens are all equal before the law and the country works for the good of all. Consequently, institutions such as the Federal Ministry of Information and Culture, National Orientation Agency (NOA), Nigeria Television Authority (NTA), Federal Character Commission and their affiliates have an increasing role to play, in shaping and amplifying narratives that help to promote social cohesion, inclusion and unity.CSOs contributions to social cohesion in Nigeria is imperative and viable because they possess the understanding, capacity and technical know-how to respond to societal issues and facilitate peaceful co-existence of the people which will help to rekindle public trust for civil authorities.


Finally, citizens are encouraged to participate in community dialogues, civil engagements and initiatives that promote cohesion and discuss the type Nigeria they would love to have; especially ideas and insights on how to build a more enduring, prosperous, and egalitarian society.

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TAJBank Emerges Nigeria’s Biggest Non-Interest Bank

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Cyril Ogar


After five years of operations in Nigeria’s rapidly evolving non-interest banking (NIB) space, TAJBank Limited has become the biggest player in the NIB subsector based on its total assets and gross earnings values.


Disclosing this during his paper presentation on the key performance indices in the non-interest banking space over the past few years at a seminar organized by Leaders Corporate Services with the theme “Roles of Non-Interest Banks In SMEs’ Financing” for SME entrepreneurs yesterday in Abuja, an investment expert, Mr. Olabode Akeredolu-Ale, maintained that based on the non-interest banks’ approved financial statements for the half year 2025, TAJBank currently remained the biggest in terms of its total assets.

The expert, a chartered stockbroker, specifically confirmed that his recent investment researches on the NIBs and their financial performances showed that TAJBank, with its total assets rising to N1.017 trillion in half year 2025 up from N953.098 billion as of December 2024, which is about N53 billion higher than the nearest NIB’s assets, now ranked top in the banking subsector.

According to him, TAJBank’s gross earnings for H1 2025 also surged to N53.752 billion from N32.86 billion as of December 2024, representing a 64% growth, and higher than the nearest NIB’s gross earnings in the period under review. 

This is even as he disclosed that on the NIBs’ earnings per share during the half year, TAJBank reported N61.36 kobo earnings per share, about 92% higher than the earnings per share of the next NIB during the period. 

Akeredolu-Ale, who is also a chartered accountant, clarified: “The figures I am reeling out here on the NIBs are sourced from the banking and capital market regulatory institutions’ platforms, which anyone can access to verify. 

“I am part of this event because of my research interest in non-interest banking and how the players in the subsector in Nigeria can help to leverage their competencies in innovation and ethical banking to support our MSMEs.

“Today, the MSMEs cannot access DMBs’ loans due to high lending rates and other inclement macroeconomic factors. This is where I think the NIBs have become very crucial to Nigeria’s economic growth.

 “Overall, my findings on the NIBs indicated that they are all trying their best with non-interest loans to support entrepreneurs, particularly the MSMEs owners. I have advised those of them at this seminar to explore the cost-friendly financing options of the NIBs to grow their businesses by opening accounts with the NIBs”, the expert added.  

Another speaker at the event, Benjamin Chukwudi, also commended the NIBs for their “catalytic roles in helping SMEs to access interest-free loans and providing them the needed financial management advisory, which have been helping them in sustaining their operations in the face of rising cost of doing business in the country.” 

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