MYSTERIES OF SPEAKING THE HOLY GHOST

*SEEDS OF DESTINY* *THE MYSTERY OF SPEAKING IN THE HOLY GHOST* 14 October, 2019 When you are confronted with what you don’t understand, confront that thing with a language it won’t understand. SCRIPTURE: For he that speaketh in an unknown tongue speaketh not unto men, but unto God: for no man understandeth him; howbeit in the spirit he speaketh mysteries.1 Corinthians 14:2 THOUGHT FOR THE DAY: When you are confronted with what you don’t understand, confront that thing with a language it won’t understand. Sometime ago, I was in an aircraft and the man who sat next to me suddenly began to make some incantations. I asked within myself, what is this man up to here? Is he trying to cast a spell on this aircraft for it to crash? No way! So, I adjusted myself close enough to him so he could hear me and began to blast in tongues; jaarshtah… ketuakawa’teya izegenatoxelephratoyash. (It was incantation versus incantation). Then, the occult man looked at me and shifted, I shifted even more closer to him and increased the tempo of the tonguing; I said to him within myself, you were the one that looked for ‘my trouble’, I was on my own when you began to make incantations. Beloved that was how the power of his incantation was yeyerized (neutralized) and we landed safely. The truth is, it is mystery that tackles mysteries. Nothing dismantles a satanic mystery like the mystery of praying in the Holy Ghost. (1 Corinthians 14:2). When you are confronted with what you don’t understand, confront that thing with the language it won’t understand. Get this: The season of praying in the Holy Ghost is the season of high spiritual irrigation that dissolves the mysteries of life and pushes a person to the realm of mastery in life. Today, I prophesy the dissolution of every satanic mystery around your life by the power of the Holy Ghost, in Jesus’ Name. REMEMBER THIS: When you are confronted with what you don’t understand, confront that thing with the language it won’t understand.  ASSIGNMENT(S) 1. Ask God for fresh infilling of the Holy Ghost and the rekindling of your spiritual fire. 2. Endeavour to read the Book of Acts 2. 3. Make praying in the Holy Ghost a habit (1 Thessalonian 5:17)   PRAYER: Lord, I connect the spirit of authority, boldness and audacity in the spirit. Help me to cultivate the habit of praying in the Holy Ghost. Fill me afresh today with Your Spirit Lord, in Jesus’ Name. FOR FURTHER UNDERSTANDING GET THIS MESSAGE: The Demands of prayer -2 QUOTE: Those who dwell in the heavenly places at the place of prayer can never be victims of earthly forces. Culled Principles and Power of Prayer by Dr Paul Enenche  AMAZING FACT: Dogs have wet nose to collect more of the tiny droplets of smelling chemicals in the air; that is why dogs are used as detectives by the police. DAILY READING: Jer. 23:21 to 25:38, 2Thes. 2:1 to 17, Ps. 84: 1 to 12, Prov. 25: 15 DON'T FORGET TO ATTEND: The Healing and Deliverance Service tomorrow by 9:00am at the Glory Dome. Invite someone. God bless you as you do so. PROPHETIC DECLARATION/WORD: Every mystery around your life today dissolves by the power of the spirit in Jesus Name.  

*SEEDS OF DESTINY*

*TOPIC: RISING ABOVE YOUR MESS* 16 October, 2019 It doesn’t matter how much you have messed up and missed it, you can still make it if you mean it; nothing mesmerizes your mess like the mercy of God. SCRIPTURE: It is of the LORD's mercies that we are not consumed, because his compassions fail not. Lamentations 3:22   THOUGHT FOR THE DAY: It doesn’t matter how much you have messed up and missed it, you can still make it if you mean it; nothing mesmerizes your mess like the mercy of God. It is established that human beings are bound to make mistakes at one point or the other in life. For as long as you are in the flesh, failing or making mistake can be unavoidable especially before encountering Jesus Christ. The truth is, there is no perfect man, and there is no perfect woman on earth (Ecclesiastics 7:20). Everyone on earth is striving towards perfection until we meet with Jesus Christ face-to-face. Nevertheless, that no one is perfect on earth is never a license for careless living because careless living can ruin your life and destiny. The crux of the matter is, don’t kill yourself because you made a mistake in the past; don’t end your life because you messed up in the past. Determine to rise again. Get this: it doesn’t matter how much you have messed up and missed it, you can still make it if you mean it; no matter how far you have gone in the wrong direction, a U-turn is possible. Don’t cry over spilt milk; don’t lament what you cannot amend. If it is not amendable, it is not lamentable. Rise up and move on! My counsel is, apply for the mercy of God to wipe off your mess. Nothing mesmerizes your mess like the mercy of God. (Hebrews 4:16) It is a new day for you, in Jesus’ Name. REMEMBER THIS: It doesn’t matter how much you have messed up and missed it, you can still make it if you mean it; nothing mesmerizes your mess like His mercy.   ASSIGNMENT: 1. Consciously make the decision never to allow your past mistakes to keep you on the floor. 2. Ask God for His mercy to wipe away your mess and mistakes. 3. Determine not to repeat or make those mistakes again. PRAYER: Lord, I receive Your mercy and forgiveness from my past errors and mistakes. My past mistake(s) can never keep me on the ground. I arise by the mercy of God to take my place in life and in destiny, Lord, in Jesus’ Name. QUOTE: If you fall make sure you land on your back because if you can look up, you will get up. Culled from 365 Wisdom Capsules by Dr Paul Enenche AMAZING FACT: Gentoo penguin is the fastest swimming bird in the world. TODAY IN HISTORY: 16/10/1964 – China became world's 5th nuclear power. DAILY READING:Jer. 28: 1 to 29: 32, 1Tim. 1:1 to 20 Ps 86:1 to 17, Prov. 25: 17 FOR FURTHER UNDERSTANDING GET THIS MESSAGE: Readiness for Eternity. PROPHETIC DECLARATION/WORD: I decree your rise above every messy situation of your life today in the Name of Jesus Christ. It’s a new day.  

The Objectives of Anchor Borrowers Program

BACKGROUND

The Central Bank of Nigeria (CBN) in line with its
developmental function established the Anchor Borrowers’
Programme (ABP). The Programme which was launched by
President Muhammadu Buhari (GCFR) on November 17, 2015
is intended to create a linkage between anchor companies
involved in the processing and small holder farmers (SHFs) of
the required key agricultural commodities. The programme
thrust of the ABP is provision of farm inputs in kind and cash
(for farm labour) to small holder farmers to boost production
of these commodities, stabilize inputs supply to agro
processors and address the country’s negative balance of
payments on food. At harvest, the SHF supplies his/her
produce to the Agro-processor (Anchor) who pays the cash
equivalent to the farmer’s account.
The Programme evolved from the consultations with
stakeholders comprising Federal Ministry of Agriculture & Rural
Development, State Governors, millers of agricultural
produce, and smallholder farmers to boost agricultural
production and non-oil exports in the face of unpredictable
crude oil prices and its resultant effect on the revenue profile
of Nigeria.

The broad objective of the ABP is to create economic linkage
between smallholder farmers and reputable large-scale
processors with a view to increasing agricultural output and
significantly improving capacity utilization of processors.
Other objectives include:

  Increase banks’ financing to the agricultural sector

  Reduce agricultural commodity importation and
conserve external reserves

  Increase capacity utilization of agricultural firms

  Create new generation of farmers/entrepreneurs and
employment

  Deepen the cashless policy and financial inclusion

  Reduce the level of poverty among smallholder farmers

  Assist rural smallholder farmers to grow from subsistence to commercial production levels.

1.3. Targeted Beneficiaries
The loan shall be targeted at smallholder farmers engaged in
the production of identified commodities across the country.
The Farmers should be in groups/cooperative(s) of between 5
and 20 for ease of administration.

1.4. Identified Agricultural Commodities
The targeted commodities of comparative advantage to the
State shall include but not limited to:
Cereals (Rice, Maize, wheat etc.)

 Cotton
 Roots and Tubers (Cassava, Potatoes, Yam, Ginger etc.)
 Sugarcane
 Tree crops (Oil palm, Cocoa, Rubber etc.)
 Legumes (Soybean, Sesame seed, Cowpea etc.)
 Tomato
 Livestock (Fish, Poultry, Ruminants etc.)
Any other commodity that will be introduced by the CBN
from time to time.

1.5. Eligible Participating Financial Institutions (PFIs)
The loan shall be disbursed through any of these PFIs:
 Deposit Money Banks (DMBs)
 Development Finance Institutions (DFIs)
 Microfinance Banks (MFBs)

1.6. The Anchor
This shall be private large-scale integrated processors who
have entered into an agreement with the SHFs to off-take the
harvested produce at the agreed prices or as may be
reviewed by the PMT. State Governments may act as Anchor
upon meeting the prescribed conditions.

1.7. Inputs Suppliers
The input suppliers shall submit expression of interest letter to
the office of the PMT for consideration and issuance of local
purchase orders.

1.8. The Loan Amount
The Fund shall be provided from the N220 billion Micro, Small
and Medium Enterprises Development Fund (MSMEDF). Loan
amount for each SHF shall be arrived upon from the
economics of production agreed with stakeholders.

1.9. Interest Rate
Interest rate under the ABP shall be guided by the rate on the
N220 billion MSMEDF, which is currently at 9% p.a (all inclusive,
pre and post disbursement). The PFIs shall access at 2% from
the CBN and lend at a maximum of 9% p.a.

1.10. Tenor
The tenor of loans under the ABP shall be the gestation period
of the identified commodities.

1.11. Repayment
Loans granted to the SHFs shall be repaid with the harvested
produce that shall be mandatorily delivered to the Anchor at
designated collection center in line with the provisions of the
Agreement signed. The produce to be delivered must cover
the loan principal and interest.

2.0 Management and Administration of the ABP
There shall be two models of administration of ABP based on
the anchor arrangement namely: Private Sector-led and
State windows. Under each model, a Project Management
Team (PMT) shall be established to coordinate the
implementation of the programme.

2.1 Private Sector-led Window

The PMT under the Private Sector-led Window shall be
constituted as follows:

 Head DFO, CBN – Chairman
 Representatives of Anchor Firms – Co-Chairman
 Programme Manager, State Agricultural Development
Programme (ADP)
 Representatives of participating Banks
 Representatives of farmers associations
 Nigerian Agricultural Insurance Corporation (NAIC)

2.2 State Window

The PMT under the State Window shall be constituted with
representatives of stakeholders as follows:
 Head DFO, CBN as Chairman to be co-chaired by the
person appointed by the State Government.
 A representative of State Governments/Ministry of
Agriculture and Rural Development/Agricultural
Development Programme (ADP)

 Participating Banks
 Anchor Firms
 Nigerian Agricultural Insurance Corporation (NAIC)
 Representatives of farmers associations

2.3 Process Flow of The Anchor Borrowers’ Programme (ABP)

The activities shall include:
 Expression of Interest Letter to the CBN by the
Anchor/State Government indicating the targeted
agricultural commodities, proposed number of farmers,
the hectares to be covered and the PFI(s) etc.
 Formation of the PMT
 Verification of the farmers and farm sizes by the PMT
 Confirmation of participation by the Head Offices of the
PFI(s)
 Identification of reputable agricultural inputs suppliers by
the PMT
 Organization of Town Hall Meeting to agree on the
economics of production per hectare, offtake price,
signing of Agreement, and any other relevant issues. The
meeting shall have in attendance all the stakeholders
including the inputs suppliers.
 Signing of tripartite Agreement by the PFI, Anchor and
the farmers
 Submission of loan applications from Head Offices of PFIs
with the list of farmers in the prescribed format with
accounts numbers, gender, farm size, BVN, Telephone
numbers, cooperative name and LGA
 Registration of farmers on the National Collateral Registry
(NCR).

2.4 Capacity Building of the Farmers

A mandatory training programme shall apply for farmers that
will participate under the ABP covering;
 Farming as a business
 Improved agricultural practices
 Group management dynamics
The cost of such training shall be borne by the participating
anchor. However, partnerships with Development Partners
are encouraged on the training of the farmers.
Certificates issued at the end of the training shall constitute a
requirement for farmers to access credit facility in kind and
cash under the programme.

2.5 Provision of Extension Services

The Anchor/State Governments shall be required to provide
extension services to complement the training, ensure
adherence to good agricultural practices and mitigate side
selling.

2.6 Collateral Under the ABP

The following shall be collateral to be pledged by SHFs under
the programme:

Cross and several guarantee by farmers in cooperatives
 Tripartite Agreement signed by the parties
 Cross and several guarantee by farmers in cooperatives
registered on the National Collateral Registry (NCR)
 Equity Contribution (minimum of 5%)by the farmers
Note:
o Participating farmers under the Programme must deposit the
minimum equity requirement in their accounts with the PFI before
loan disbursement
o No input would be distributed to any farmer that has not provided
the equity contribution
o Any PFI that contravenes this basic risk requirement would be
sanctioned

2.7 Determination of Planting Season

The planting season to be adopted shall be advised by the
Ministry of Agriculture/ State Agricultural Development
Programme (ADP) from the state planting calendars.

2.8 Side Selling

Side Selling by the farmers is prohibited and shall attract
applicable sanctions as indicated in Section 4.3

2.9 Risk Sharing

In order to engender participation of PFIs in the programme,
the CBN shall absorb 50% of the amount in default after
satisfactory evidence that every means of loan recovery has been exhausted by the PFI. The PFI shall bear the credit risk of
the balance.

3.0 ROLES AND RESPONSIBILITIES OF STAKEHOLDERS

3.1 Central Bank of Nigeria Shall:

 Provide the funds through the MSMEDF
 Coordinate the entire Programme
 Serve as Secretariat
 Chair/Co-chair the PMT
 Review the provisions of the guidelines as deemed
necessary

3.2 Nigerian Agricultural Insurance Corporation (NAIC)
Shall:

 Provide insurance cover to the projects under the
Programme
 Ensure timely processing and settlement of claims
 Serve as member of the PMT

3.3 Development Partners Shall:

 Provide technical assistance to farmers, extension workers
and banks
 May serve as member of the PMT in partner States

3.4 Participating Financing Institutions:
Shall:

 Verify eligible farmers and their farmlands
 Open account for the farmers
 Ensure due diligence on loan administration, monitoring
and recovery
 Conduct searches on the National Collateral Registry
(NCR) to ensure that none of the group member is in
default of any other loan facility in any financial institution.
 First applications for release of funds by PFIs MUST be
accompanied by copies of executed tripartite
Agreements. (See 2.3)
 Register their interest in the collateral on the National
Collateral Registry (NCR) as second and any subsequent
applications for release of funds by PFIs MUST be
accompanied by evidence of COMPLETE registrations.
 Sensitize the group members on the implication of the
cross-guarantee as default by one member of the
cooperative automatically puts all members in default
irrespective of other members paying their individual
loans.
 Apply for release of funds after completion of all the
required conditions precedent to drawdown
 Credit individual farmer’s account with the released funds
within 5 working days
Render monthly returns under the Scheme to the CBN in
the prescribed reporting format
 Serve as member of PMT
 Carry out any other responsibilities as may be prescribed
by the CBN from time to time

3.5 Small Holder Farmers
Shall:

 Organize themselves into groups/cooperatives
 Cross guarantee one another
 Must demonstrate evidence of farm ownership/lease/rent
and agree to work with extension workers
 Utilize the facility (kind and cash) for the purpose for which
it was granted
 Commit to abide by the terms of agreement and not to
side sell produce
 Repay the loan as and when due by surrendering the
output to the Anchor or State
 Provide equity contribution in cash of minimum of 5 per
cent of loan amount
 Representative of the Small Holder Farmer association to
serve on the PMT
 Ensure participating member open bank account and
obtain Bank Verification Number (BVN).

3.6 State Government/FCT
Shall:
 Co-Chair the public sector ABP PMT
 Submit Expression of Interest to participate under the ABP
 Identification of the two targeted agricultural
commodities
 Provide extension services to all participating farmers
 Provide logistics support for the success of the programme
including training for the farmers and extension services.
 Establish a special ‘farmers’court’ to try defaulting parties
 Train identified farmers for participation under ABP
 Where State act as Anchor, must uptake the farmers
produce and pay the farmers through the PFI within 5
days at an agreed price
 Carry out any other responsibilities as may be prescribed
by the CBN from time to time
3.7 Anchor Company
Shall:
• Co-Chair the PMT of the private sector ABP
• Identify and organize farmers into groups/co-operatives.
 Participate in the identification of input suppliers
 Train identified farmers for participation under ABP
 Provide extension service experts to support and ensure
achievement of the targeted yield
 Monitor harvest and facilitate full evacuation of produce

 Establish produce collection centers.
 Buy-up produce from farmers at agreed price
 Pay into farmers’ loan account for the produce delivered
within 48 hours
 Carry out any other responsibilities as may be prescribed
by the CBN from time to time

3.8 ROLE OF PROJECT MANAGEMENT TEAM (PMT)Shall:

 Coordinate project implementation
 Coordinate discussions on cost of production per hectare
 Communicate the decisions taken on the project to
stakeholders
 Identify genuine input suppliers
 Coordinate and monitor project to ensure repayment
 Issue Local Purchase Order (LPOs)
 Ensure timely distribution of inputs
 Escalate issues that cannot be resolved in the team to the
relevant authorities
 Make sure the programme is delivered and implemented
as scheduled and within scope.

3.9 Nigerian Incentive-Based Risk Sharing System for

Agricultural Lending (NIRSAL)
Shall:
 Collaborate on Technical Assistance.

4.0 INFRACTIONS AND SANCTIONS
S/N
Infractions Sanctions
4.1 PFI
1 Diversion of
funds to
unauthorized
activities
 Amount diverted shall be
recovered by the CBN.
 Penal charge at the maximum
lending rate of the PFI on the
amount diverted.
 Outright ban from participating
under other CBN Interventions
following another infraction
2 Charging of un-
authorized
fees/interest
 Reversal of the charged
fees/interest
 Issuance of warning letter to the
PFI
 Outright ban from participating
under other CBN Interventions
after two infractions
3 Charging of
interest rates
higher than
prescribed
 Reversal of excess interest
charged.
 Penal charge at the maximum
lending rate of the PFI
 Issuance of warning letter to the
PFI
4 Failure to
disburse funds
within specified
period to the
borrowers
 Penal charge at the maximum
lending rate of the PFI
 Recovery of the undisbursed
amount plus interest

4.2 Anchor
1 Failure to
collect certified
quality output
from farmers
after going into
agreement as
the Anchor to
the farmers
 Anchor will cease to participate
under the programme.
 Anchor will not be allowed to
access agricultural and other
CBN interventions

2 Failure to pay
for collected
commodities
within the
specified
period
 Anchor to bear the cost of
accrued interest on the farmers’
account from the due date

4.3 Small Holder Farmers (SHF)

1 Side-selling  Total prohibition from all CBN interventions.
 Blacklisting of the SHF on any
intervention by the CBN
 Prosecution of the SHF

 Payment of the loan by the
guarantors and cooperatives
2 Input Diversion  Blacklisting of the SHF on any
intervention by the CBN
 Repayment of the loan by the
guarantors and cooperative
members
3 Refusal to
Submit
Commodities
to the Anchor
 Blacklisting of the SHF on any
intervention by the CBN
 Prosecution of the SHF
 Repayment of the loan by the
guarantors and cooperative
members
4 Diversion of
Funds
 Blacklisting of the SHF on any
intervention by the CBN
 Prosecution of the SHF
 Repayment of the loan by the
guarantors and cooperative
members

4.4 Project Monitoring Team

1 Insider related
contracts and
inflation of
contract figures
 Suspension/Prosecution of the
culpable member(s)
 Report the culpable member(s)
to the relevant institution(s)

LIST OF ABBREVIATIONS AND ACRONYMS

ABP: Anchor Borrowers’ Programme
ADP: Agricultural Development Programme
BVN: Bank Verification Number
CBN: Central Bank of Nigeria
DFIs: Development Finance Institutions
DFO: Development Finance Officer
DMBs: Deposit Money Banks
FCT: Federal Capital Territory
LGA: Local Government Area
MFBs: Microfinance Banks
MSMEDF: Micro, Small and Medium Enterprises Development
Fund
NAIC: Nigerian Agricultural Insurance Corporation
NCR: National Collateral Registry
NIRSAL: Nigerian Incentive-Based Risk Sharing System for
Agricultural Lending
P.A: Per Annum
PFIs: Participating Financial Institutions
PMT: Project Management Team
SHF: Small Holder Farmer

For more research
All Enquiries and Returns should be addressed to:
The Director,
Development Finance Department,
Central Bank of Nigeria,
Corporate Headquarters
Central Business District,
Abuja, Nigeria
Fax: 09-46238655
www.cbn.gov.ng

Anchor Borrowers' Programme - Central Bank of Nigeria

Economy of Nigerian Today

July 16, 2019

Sequential data indicates that activity strengthened somewhat in the second quarter, following sluggish growth in Q1 that was weighed on by lower oil output as a result of pipeline leakages. Due to faster expansions in output and new business, the PMI bounced back from May’s near two-year low in June, bringing the Q2 average above that of Q1. This, combined with buoyant credit growth to the private sector in April–May, and a marked improvement in business confidence in Q2—propped up mainly by the construction and trade sectors—hint at more upbeat business dynamics. Meanwhile, after opting not to endorse the African Continental Free Trade Area (AfCFTA) agreement in March amid pressure from manufacturers and labor unions, President Muhammadu Buhari finally signed the deal on 7 July. Boasting the largest consumer market in the continent, this should strengthen the pact and boost overall intra-regional trade.

Nigeria Economic Growth

Growth is expected to pick up this year on the back of stronger non-oil activity. In particular, a looser monetary policy stance, the full roll-out of the minimum wage and more upbeat credit provision should buttress domestic demand. The slow progress on structural reforms, oil price volatility and risk of disruptions to oil production cloud the outlook. FocusEconomics panelists see GDP increasing 2.4% in 2019, which is unchanged from last month’s estimate, and 2.7% in 2020.

Nigeria Economy Data

20132014201520162017Population (million)169174179184189GDP per capita (USD)3,0473,2712,7362,1831,974GDP (USD bn)516569489401372Economic Growth (GDP, annual variation in %)5.56.22.8-1.60.8Consumption (annual variation in %)-  -  -  -  -  Investment (annual variation in %)7.913.4-1.3-4.8-3.0Industrial Production (annual variation in %)-0.16.0-3.4-9.40.9Unemployment Rate3.74.45.36.26.0Fiscal Balance (% of GDP)-2.3-2.1-3.5-4.0-5.4Public Debt (% of GDP)18.617.520.323.425.3Money (annual variation in %)1.320.65.842.30.6Inflation Rate (CPI, annual variation in %, eop)8.08.09.618.615.4Inflation Rate (CPI, annual variation in %)8.58.19.015.716.5Policy Interest Rate (%)12.0013.0011.0014.0014.00Exchange Rate (vs USD)155.2167.5196.5304.5305.5Exchange Rate (vs USD, aop)155.3156.5192.6253.2305.3Current Account (% of GDP)3.70.2-3.20.72.8Current Account Balance (USD bn)19.20.9-15.42.710.4Trade Balance (USD billion)42.521.0-6.4-0.513.1Exports (USD billion)97.882.645.934.745.8Imports (USD billion)55.361.652.335.232.7Exports (annual variation in %)0.9-15.6-44.4-24.432.0Imports (annual variation in %)-3.711.4-15.0-32.7-7.3International Reserves (USD)43.634.529.125.838.8External Debt (% of GDP)1.71.72.22.85.1

President Muhammadu Buhari has approved the Appointment of New vice chancellors for the 12 underlisted universities.

President Muhammadu Buhari has approved the Appointment of New vice chancellors for the 12 underlisted universities.

1-FEDERAL UNIVERSITY,OYE EKITI, Prof.Kayode Soremekun

2-FEDERAL UNIVERSITY DUTSE,JIGAWA STATE: Prof Fatima Batoul Mukhtar

3-FEDERAL UNIVERSITY BIRNIN KEBBI -Prof Auwal H Yadudu

4-FEDERAL UNIVERSITY DUTSENMA,KATSINA STATE-Prof.Haruna Abdu Kaita

5-FEDERAL UNIVERSITY,GASHUA,YOBE STATE-Prof Abdrew Haruna

7-FEDERAL UNIVERSITY LAFIA,NASARAWA STATE-Prof.Muhammad sanusi Liman

8-FEDERAL UNIVERSITY GUSAU,ZAMFARA STATE-Prof Magaji Garba

9-FEDERAL UNIVERSITY LOKOJA-Prof Angela Freeman Miri

10-FEDERAL UNIVERSITY KASHERE,GOMBE STATE-Prof Alhassan Muhammad Gani

11-FEDERAL UNIVERSITY NDIFU-ALIKE,EBONYI STATE -Prof Chinedum Nwajiuba

12-FEDRAL UNIVERSITY OTUOKE,BAYELSA STATE-Prof Seth Accra Jaja

12-FEDERAL UNIVERSITY WUKARI,TARABA STATE-Prof Muhammad Kundiri

Source: https://naijaanews.wordpress.com/2016/02/13/president-muhammadu-buhari-hasapproved-the-appointment-of-new-vice-chancellors-for-the-