NEWS AGENCY OF NIGERIA
Abuja chamber educates SMEs on insurance for business sustainability

Abuja chamber educates SMEs on insurance for business sustainability

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By Vivian Emoni

The Abuja Chamber of Commerce and Industry (ACCI) hosted a webinar on Tuesday to educate Small and Medium Entrepreneurs (SMEs) on the significance of insurance in strengthening business sustainability in Nigeria.

Mr Agabaidu Jideani, Director-General of ACCI, explained that the purpose of the session was to raise awareness among entrepreneurs about the importance of insuring their businesses.

The webinar, organised by ACCI’s National Policy Advocacy Centre (NPAC), aimed to bridge the knowledge gap by highlighting the strategic significance of insurance and debunking common myths.

It also provided practical guidance on selecting the right insurance products to ensure business resilience.

“By giving SMEs a deeper understanding of insurance, we hope to strengthen the resilience and sustainability of Nigerian businesses,” Jideani said.

He emphasised that businesses, regardless of size, face risks such as natural disasters, financial crises, and unforeseen challenges, which could threaten their survival.

“Unfortunately, many small and medium-sized businesses in Nigeria fail to consider insurance as a fundamental risk management strategy, leaving them vulnerable to economic shocks.”

Jideani assured participants that the insights from the webinar would be conveyed to the relevant authorities to inform policies aimed at fostering business growth and development.

Mr Olusegun Omosehin, Chief Executive Officer of the National Insurance Commission (NAICOM), represented by Hajia Aisha Bashir, Head of Microinsurance at NAICOM, discussed the obstacles faced by Micro, Small, and Medium Entrepreneurs (MSMEs).

He emphasised the importance of insurance for the long-term viability of these businesses.

“Insurance is essential for business stability, continuity, and growth,” Omosehin stressed.

He explained that a strong insurance portfolio improves an MSME’s creditworthiness, making it easier for them to secure loans for expansion and investment.

He also noted that NAICOM was committed to making insurance accessible and affordable for MSMEs across the country, introducing insurance literacy programs to help business owners make informed decisions about their coverage.

Omosehin urged SMEs to view insurance not as an expense but as an investment in their business’s future.

He said that with the right coverage, their business would not only survive but also thrive. (NAN) (www.nannews.ng)

 

Edited by Abiemwense Moru

Nigeria’s trade growth hits 20.7% in 2024 – NEPC

Nigeria’s trade growth hits 20.7% in 2024 – NEPC

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JBy Vivian Emoni

The Nigerian Export Promotion Council (NEPC) has said that the country’s trade volume reached 7.2 metric tons in 2024, with a 20.7 per cent increase in value, totaling 5.45 billion dollars.

Dr Nonye Ayeni, Executive Director of NEPC, said this on Monday in Abuja during the presentation of the 2025 roadmap organised by the Ministry of Industry, Trade and Investment.

“In terms of value, we grew by 20.7 per cent to 5.45 billion dollars, and we are now represented in 126 countries.

“This is a clear indication that Nigeria is making significant progress.

“The Renewed Hope Agenda of President Bola Tinubu is making a positive impact, and our efforts are showing results.

“We expect even better performance in 2025 as we continue to strengthen our drive,” he said.

Ayeni highlighted that the NEPC’s mandate was to diversify the nation’s economy dependency on oil by promoting non-oil exports.

She reiterated the council’s commitment to build the capacity of exporters, from the farm gate to market access.

“We are dedicated to working with exporters, improving their capacity in good agricultural practices, and ensuring we achieve the council’s mandate,” Ayeni said.

She said in 2024, the NEPC conducted about 629 capacity building programmes across the country, partnering with development organisations and agencies.

According to Ayeni, the council is working across all borders, from the North to the South and West, to mainstream export efforts.

“By mainstreaming these initiatives, we aim to increase the volume and value of non-oil exports, which will, in turn, help to build the capacity of exporters.

“We also want to offer international certifications to our exporters free of charge, enabling them to access niche markets and sell their products globally,” she said.

Ayeni emphasised the NEPC’s focus on connecting Micro, Small, and Medium Enterprises (MSMEs) with experienced exporters, offering training in various skill programmes.

“Our commitment to these efforts will significantly contribute to increasing the volume and value of Nigeria’s non-oil exports,” she said.(NAN) (www.nannews.ng)

Edited by Abiemwense Moru

FG affirms commitment to creating sustainable environment for private sector 

FG affirms commitment to creating sustainable environment for private sector 

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By Vivian Emoni

The Federal Ministry of Industry, Trade and Investment has expressed commitment to creating a sustainable environment for the private sector and other stakeholders to compete favourably and drive economic growth and productivity.

Dr Jumoke Oduwole, the Minister of Industry. Trade and Investment, made the commitment at a retreat for presentation of the 2025 roadmap in Abuja on Monday.

Oduwole said that the goal of the ministry was to facilitate the creation of wealth, productive jobs and share prosperity for all Nigerians.

“As a ministry, we prioritise creating a dynamic, resilient and sustainable economy by positioning the private sector for productivity and competitiveness.

“We have repositioned ourselves to deliver empirically verifiable policies and reforms based on transparently laid down goals which improved the ministry’s performance in 2024,” she said.

The minister said that everything the agencies under the ministry presented at the retreat was already in the budget, adding that it was not coming as a surprise.

She urged all the Ministries, Department and Agencies (MDAs) to work together as such effort would help to achieve the ministry`s goals.

On his part, the ministry’s Minister of State, Sen. John Enoh, said that the gathering was to discuss problems and also to look at solutions to the problems.

Enoh said that the retreat would help to discuss how much the industry and trade can expand and improve to be able to promote investments.

“It is about performance. The work cannot be strong and efficient without effective commitment, I think we all need to be ready for that.

“We need to put more effort to ensure that the mandates and objectives of the ministry are achieved,’’ he said.

The Director-General, Presidential Enabling Business Environment Council, Princess Audu, said that the council was committed to reaching out to all relevant stakeholders to intensify in the business activities.

“We will be working hand in hand with the ministry to determine what levels of improved efficiency can be achieved in the quickest possible time.

“We want to identify areas where we can make a significant impact and work together to implement changes that will benefit the business community and Nigerians at large.

“I am also pleased to announce that our new Reform Impact Assessment (RIA) framework has been launched,’’ she said.

Audu said that the RIA framework was designed to ensure a level of consistency and predictability, as such would help the business grow appropriately.

She said that the framework enabled businesses to plan and forecast with the assurance of a stable business environment as it relates to policies and reforms.

The Director-General and Chief Trade Negotiator of the Nigerian Office for Trade Negotiations (NOTN), Amb.Yonov Agah, said that the office was  expanding market access and eliminating barriers to Nigeria’s trade.

Agah said that trade negotiations had inherent risks, adding that they also have opportunities in various areas.

“It is important for Nigeria not to negotiate in a vacuum. Anything you are negotiating needs national frameworks.

“We need a national trade policy framework. We need the institutions, the regulatory environment to implement those agreements,’’ he said. (NAN)

Edited by Kadiri Abdulrahman

FG, World Bank explore capital market option to fund infrastructure

FG, World Bank explore capital market option to fund infrastructure

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By Okeoghene Akubuike

The Federal Government says it is discussing with the International Finance Corporation (IFC) to explore capital market and funding options in Nigeria for infrastructure development through Public Private Partners

A statement issued by Ifeanyi Nwoko, Acting Head, Media and Publicity, ICRC on Sunday in Abuja, said this was the focus of a meeting between the ICRC and the IFC- a member of the World Bank Group.

It said the World Bank team was on a fact-finding mission on how to develop and unlock the capital market in Nigeria.

The statement quoted Dr Jobson Ewalefoh, Director-General(D-G), ICRC as saying “the visit of the team is an important one that could redefine the space of infrastructure development in Nigeria.”

Ewalefoh said that alternative finance options like unlocking the capital market to fund PPPs were at the heart of his innovative financing policy agenda.

The D-G, while speaking after the technical meeting, said that funding was at the core of infrastructure development, hence, it would be a milestone to unlock the capital market.

“The World Bank and IFC were here to see what we can do in unlocking the potential of the capital market in funding infrastructure development.

“We deliberated on the opportunities, the challenges and the importance of having access to the huge funds available in the capital market to fund infrastructure.

“In my deliberation, I focused more on the potential for investors to invest in Nigeria based on the viability and bankability of projects.

“At the end of the day, we agreed that viability is not a problem but there are other risks that investors were weary of.”

He also said there was a lack of information about the opportunities that abound in Nigeria as a key investment destination.

Ewalefoh, however, urged the World Bank to enhance support for Nigerian government agencies by providing funds and capacity development to generate more eligible project pipelines.

He said the ICRC was going to do more to communicate the investment potential of Nigeria.

The D-G said there was a nexus between the investment opportunities in Nigeria and the role the capital market could play in tapping into that potential.

He said in the area of PPP processes, the commission had streamlined its processes to ensure accelerated delivery of PPP infrastructure projects.

The statement quoted Ms Patricia Canziani, the leader of the World Bank delegation, as saying:

“ The essence of the meeting is to gather information that would enable the bank to introduce its Joint Capital Markets Programme (J-CAP) in Nigeria, which we have introduced to 20 countries worldwide.

Canziani said the purpose of the programme was to work together with stakeholders in Nigeria and identify ways to support the development and roles of the capital market in Nigeria.

“The Capital Market holds many opportunities for funding PPP. Nigerian Capital Market already has different products, but we can support the development of newer products in the country.”

She commended the ICRC for its role in regulating PPPs, urging it to work with other players to develop new products and build investor confidence.

The World Bank IFC’s visit to ICRC was one in the series of meetings it had lined up with strategic government and private stakeholders that were germane to its course. (NAN)www.nannews.ng)

Edited by Ese Eniola Williams

IFC invests m in Lagos free zone to boost Nigeria’s industry

IFC invests $50m in Lagos free zone to boost Nigeria’s industry

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By Rukayat Moisemhe

The International Finance Corporation (IFC) has announced an equity investment of 50 million dollars in the Lagos Free Zone Company (LFZ) to support Nigeria’s industrial growth and economic diversification.

Dahlia Khalifa, IFC Regional Director, Central Africa and Anglophone West Africa, made this known at an official signing on Friday in Lagos.

Khalifa said the investment was to support the development and expansion of Nigeria’s first deep sea port based in the Lagos Free Zone.

She noted the investment was designed to address critical infrastructure gaps, attract local and global businesses, and contribute to Nigeria’s economic diversification agenda.

The IFC director stated that the funds would support the first phase of the 860-hectare Lagos Free Zone, focusing on land development, industrial facilities, and logistics infrastructure.

She noted that the facility owned by Tolaram, a diversified multinational group with operations across Africa, Asia, and Europe, would provide an integrated industrial ecosystem.

This, she said, would drive efficient import and export operations, serving as a gateway for Nigeria’s integration into global value chains.

Khalifa noted that with Nigeria’s economy projected to grow by 3.7 per cent by 2026, investments in infrastructure were vital to ensuring sustainable growth.

“When fully occupied, Lagos Free Zone is expected to create approximately 30,000 direct, indirect, and induced jobs, while contributing significantly to Nigeria’s Gross Domestic Product (GDP) upon completion.

“This investment reflects IFC’s commitment to fostering inclusive economic growth and sustainable development in Nigeria.

“Lagos Free Zone is poised to become a transformative hub for industrial activity, driving job creation and enhancing Nigeria’s competitiveness in global markets.

“We are proud to partner with Lagos Free Zone in building the infrastructure necessary to attract global and local businesses, enabling Nigeria to achieve its full economic potential,” she said.

Khalifa added that the investment in Lagos Free Zone also reflected IFC’s commitment to sustainable development, with a focus on green infrastructure.

She noted that approximately 15 per cent of the investment was earmarked for climate-related initiatives, including Excellence in Design for Greater Efficiencies (EDGE)-certified buildings and climate-resilient infrastructure.

Commenting, Adesuwa Ladoja, Managing Director, Lagos Free Zone Company, noted that IFC’s support represented a positive recognition of the vision to establish Lagos Free Zone as a world-class industrial hub.

She said the investment allowed the company to scale up existing infrastructure to attract more foreign and local tenants while promoting sustainability and creating economic opportunities for Nigeria.

Ladoja said the Lagos Free Zone integrated with Lekki Deep Sea Port, facilitated ease of doing business in Nigeria and supports the Federal Government’s drive for economic diversification.

“We look forward to driving growth and delivering lasting impact through this transformative collaboration with the IFC.

“This investment aligns with Nigeria’s ongoing economic reforms and IFC’s strategic frameworks which prioritise economic diversification, development of competitive clusters, and investments in climate-resilient infrastructure.

“By addressing infrastructure bottlenecks and enhancing connectivity, IFC’s investment in Lagos Free Zone will unlock new opportunities for businesses and strengthen Nigeria’s position as a regional economic leader,” Ladoja said. (NAN) (www.nannews.ng)

Edited by Oluwafunke Ishola

Abia Govt., Radisson Blu sign MoU to promote tourism, hospitality

Abia Govt., Radisson Blu sign MoU to promote tourism, hospitality

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By Rukayat Moisemhe

The Abia State Government and the management of Radisson Blu Hotels on Friday signed a Memorandum of Understanding (MoU) to revive the state’s hospitality industry.

Dr Alex Otti, Governor of Abia, at the signing ceremony in Lagos, stated that the agreement was to facilitate the building of a hotel facility in Aba area of the state.

Otti, who was represented by Mr Ikechukwu Uwanna, the state’s Attorney-General and Commissioner for Justice, said the development would further showcase the economic viability of the state.

He pledged that the state, under his leadership, would continually revitalise its broad plan of economic viability.

The governor said that due diligence was carried out to ensure that the contract was mutually beneficial and in the best interest of the concerned parties.

He added that the state would continue to create modalities to ensure its success.

“The Radisson brand is of high standard and the state would do its best to meet the specifications in the building of an international hotel of repute.

“There are well laid structure in the agreement that covers all parameters including dispute resolution.

“With regards to safety and security in the state, Abia State has been relatively safe as throughout the festive season, there were no incidences on insecurity.

“We would continue to invest in the state’s security infrastructure to guarantee safety of persons, businesses and investments in the state,” he said.

In his remarks, Mr Erwan Garnier, Senior Director, Development, Africa, Radisson Blu, noted that the tourism and hospitality industry in the country was getting more robust.

Granier revealed that the hotel was a state-owned asset and that Radisson was its operator with its operations based on the hotel’s international standards in line with best practices.

He said that Radisson had been expanding its operations in Africa since 2000 and that Nigeria was top priority of its expansion with plans to increase its locations from 13 to 25 hotels by 2025.

“We have created a strategy that focuses on key cities and key state cities such as Abia and that has birthed this partnership,” he said.

Mr Ukeje Uche, Director-General, Greater Aba Development Authority, said the hotel’s first phase consisting of 125 rooms, would help create 500 direct and about 5,000 indirect jobs.

He added that the development would help the state increase its Internally Generated Revenue and engender a robust presence in state’s hospitality industry.

“With this development, a lot of people that would otherwise not come to Abia would now come because of the guarantee of the Radisson brand.

“While this has been in the pipeline, the state’s current leadership has ensured its actualisation.

“The government has made provisions to fund the project projected to cost close to $50 million and has an aggressive timeline to complete the project in two years,” he said.

Chief Geoffrey Uzoagbara, President, Aba Chamber of Commerce, Industry, Mines and Agriculture, commended the governor for his stride in developing the property. (NAN)(www.nannews.ng)

Edited by Obinna Unaeze/Chinyere Joel-Nwokeoma

FG approves concession of Kashimbila Cargo/Agro-Allied Airport

FG approves concession of Kashimbila Cargo/Agro-Allied Airport

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By Okeoghene Akubuike

The Federal Executive Council (FEC) has approved the concession of the Kashimbila Integrated Cargo/Agro-Allied Airport in Taraba, under a Public Private Partnership (PPP) arrangement.

A statement issued in Abuja on Friday by Ifeanyi Nwoko, Acting Head, Media and Publicity, Infrastructure Concession Regulatory Commission (ICRC), said that the projects were approved under the regulatory guidance of the ICRC.

The statement said the project cuts across agriculture, water resources and aviation sectors.

It said that on one hand, it featured the upgrade of an airstrip in Kashimbilla to a Cargo/Agro-Allied Airport.

“On the other hand, it has a combination of no fewer than 3,000 hectares of farmland, fish farming facilities and a ranch for livestock farming”.

The statement quoted Dr Jobson Ewalefoh, Director-General (D-G), ICRC, as commending President Bola Tinubu for quickly approving the project whose facilities are expected to enhance Nigeria’s agricultural export potential.

“The processes for this project were started and completed in six months, in fulfilment of the charge given to me by President Tinubu to accelerate PPP projects’ procurement.

“The Kashimbila project includes the concession of over 3,000 hectares of farmland for irrigation farming and the upgrade of the airport for agro-cargo services.

“It also includes the development of an aerotropolis and Free Trade Zone with business parks, logistics hubs and residential areas”.

The D-G said the project located in Taraba, aimed to enhance agricultural logistics, improve market access and stimulate economic development.

Ewalefoh said that the concession would among other things, boost agricultural productivity by enabling year-round irrigation farming and create employment opportunities.

He said that the concession would also attract investment in agribusiness and stimulate local and national economies through trade and exports.

Ewalefoh said that with the Kashimbilla project, regional integration would be enhanced as Taraba would be connected to the national and international markets, facilitating trade, as thousands of direct and indirect jobs would be created.

He said that the project was expected to generate N4.1 trillion in revenue from multiple sources during the concession period.

The D-G thanked the relevant ministries for their efforts in ensuring the success of the inter-agency collaboration to achieve the renewed hope agenda of President Tinubu. (NAN)(www.nannews.ng)

Edited by Emmanuel Afonne

Bill on Port Economic Regulation ‘ll enhance efficiency – Shippers Council

Bill on Port Economic Regulation ‘ll enhance efficiency – Shippers Council

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By Diana Omueza

The Nigerian Shippers Council (NSC), says the Bill on Nigerian Port Economic Regulatory Agency currently awaiting presidential assent will enhance efficiency at the ports and  boost  export.

Dr Pius Akutah, Executive Secretary of the council,  said this on Thursday in Abuja,  after receiving a delegation from the Technical Unit on Governance and Anti-corruption Reforms (TUGAR).

Akutah said that with a new law and a new regulatory agency responsible for port enforcement, there would be enhanced ports, clearly defined mandates of agencies and issues of overlap of duties would be addressed.

“Over the years, there has been a battle with the issue of a legal regime that guarantees the council’s capacity to act as a proper regulator in the sector.

“The minister has taken a step forward, and the bill that was taken to the national assembly for the enactment of the Nigerian Port Economic Regulatory Agency has been passed at the Senate and House of Representatives.

“At the moment, the bill awaits presidential assent and in that bill, enforcement issues were critically dealt with,” he said.

Akutah said the bill when assented to would empower oversight committees with adequate supervisory and enforcement powers.

According to him, with the new bill coming on board, and a new agency with all the enforcement powers in the law, it will further enhance the quality of work of the committee.

Akutah noted that the steering committee such as the Port Standing Task Team (PSTT) which oversaw issues around enforcement of the manual as it related to all agencies within the port sector, as well as the private sector needed to be commended.

The News Agency of Nigeria (NAN) reports that the PSTT is a group that works to ensure compliance with the Nigerian Port Process Manual and to promote integrity in the maritime sector.

Akutah lauded the efforts of other committees that had worked to enhance the council’s service delivery and called for appointment of sufficient members to each team for adequate management.

Akutah also commended TUGAR for its inter-agency collaboration and removal of rivalry between agencies of government at the ports.

He expressed satisfaction with the synergy between agencies working together, supporting and complementing each other to achieve collective and individual agency mandates.

He urged heads of agencies to continue to strive to improve the sector to build the nation’s economy.

On his part, the Representative of the Ministry of Marine and Blue Economy, Mr Olusanya Immanuel commended NSC on working toward enhanced service delivery in ports.

“We are glad to see your level of commitment to the success of this project and of course, the sensitisation of the entire maritime sector.”

Ms Jane Onwumere, Head,  Technical Unit of TUGAR also commended the  shipper’s council for the synergy and partnership which had improved the efficiency of Nigeria’s port operations. (NAN)

Edited by Edith Bolokor/Chioma Ugboma

Ex-Navy Chief urges tech integration in management

Ex-Navy Chief urges tech integration in management

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By Rukayat Moisemhe

The immediate past Chief of Naval Staff, Vice-Admiral Awwal Gambo (rtd), has called for the integration of emerging technologies into management practices to enhance organisational success.

He made the call on Wednesday in Lagos at the investiture ceremony of the 25th President of the Nigerian Institute of Management Chartered (NIM), Commodore Abimbola Ayuba.

Gambo noted that technological advancement had defined human civilisation from the industrial revolution to the rise of the digital economy in the 21st century.

According to him, each era of innovation necessitates a corresponding evolution in management practices.

He stated that the responsibility of formulating effective strategies to navigate the shifting landscape rested on the NIM.

“However, there are challenges such as cultural inertia of embracing new technologies, job loss concerns, as well as cyber security issues impacting technology integration.

“These challenges carry significant management implications, necessitating thoughtful deliberation by the institute to develop strategic solutions that will shape national defense policy.

“Management professionals must embrace a forward-thinking approach that champions adaptive leadership,” he said.

The outgoing President, NIM, Dr Christiana Atako, presented an account of her two-year stewardship as the 24th president and Chairman, Council of NIM.

Atako said upon assuming office as president, her team adopted a three pronged strategy and an eight point agenda to tackle challenges and guide the institute’s activities for the period.

She said her first assignment was to restructure and re-engineer the institute owing to events that threatened its very existence at the time.

“To give impetus to a revitalised NIM, deliberate action was taken to prioritise training of its workforce towards increased productivity and better service delivery.

“Furthermore, the institute witnessed an unprecedented growth in influence and membership size during our tenure.

“I spearheaded initiatives that promoted ethical management practices and advocated for higher standards in the Nigerian business community.

“Our vision for NIM was one of inclusivity and innovation, and we worked tirelessly to ensure that the institute remained relevant in national discourse,” she said.

The outgoing president expressed hope that since the institute’s leadership was a continuum, the incoming administration would build and consolidate on the achievements of the past two years.

In his acceptance speech, the 25th president, NIM, Commodore Abimbola Ayuba, lauded the institute’s body of past presidents, whom he said, had been the shinning light that kept NIM illuminated.

Ayuba said he was filled with an urgent sense of purpose and responsibility, as he took up the mantle of leadership of the NIM.

He reiterated his commitment to upholding the age-long and time-tested values and principles which guided the institute since its inception in 1961.

The newly-elected president emphasised the importance of unity of purpose, saying the institute was a microcosm of Nigeria, comprising individuals from diverse backgrounds, ethnicity, and religion.

“It is imperative that we put aside these diversities and differences and work towards achieving common goals.

“The goals are firstly, to promote excellence in management practice, secondly, to foster a culture of professionalism, and thirdly, to contribute to the development of our dear nation.

“Consequently, we must recognise that our diversity provide for us enormous strength, and that our collective efforts will yield far greater results than individual pursuits.

“In other words, we should be gearing towards creating a synergistic homeostasis that will keep the institute as a leading brand and major change agent in Nigeria and beyond,” he said. (NAN) (www.nannews.ng)

Edited by Ayodeji Alabi

Nigeria economy on the rise with investment opportunities- Edun

Nigeria economy on the rise with investment opportunities- Edun

375 total views today

Investment

By Nana Musa

The Minister of Finance and Coordinating Minister of the Economy, Mr Wale Edun, says the country’s economy is on the rise with great investment opportunities.

Edun said this while receiving a high-level delegation from First Abu Dhabi Bank, led by the Group Head of Investment Banking, Martin Tricaud, in Abuja on Thursday.

The News Agency of Nigeria (NAN) reports that the delegation visited to discuss investment opportunities and strategic partnerships.

The minister enumerated the country’s economic transformation over the past 18 months.

He listed key reforms like market-driven pricing for foreign exchange and petroleum products, increased trade through the African Continental Free Trade  (AfCFTA), and stronger revenue from both oil and non-oil sectors.

Edun said that those measures had stabilised the economy, improved Gross Domestic Product (GDP) growth, and strengthened the trade balance.

“The progress we have made in stabilising the economy and driving growth is a testament to our administration’s commitment to economic reforms.

“We are eager to showcase these opportunities to investors and partners like the First Abu Dhabi Bank,” he said.

The Minister said that the government had put in efforts to boost food production and affordability, ensuring long-term economic resilience.

He said that the meeting marked a significant step in the country’s efforts to attract foreign investment and strengthen economic ties with key partners.

“This partnership with First Abu Dhabi Bank is expected to unlock new opportunities for investment, job creation, and economic development,” he said.

Tricaud commended the minister for the country’s achievement.

He said that the partnership would yield positive result for both Nigeria and United Arab Emirates (UAE). (NAN)

Edited by Kadiri Abdulrahman

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