• Where we work

    Where we work

The activities at state level target 3 selected states, namely Niger State, Plateau State and Ogun State.

The Financial Sector Development (FSD) Unit’s objective is to increase and improve access to sustainable and demand-oriented as well as responsible financial services for the poor segment of population being excluded from the conventional banking sector. The Programme aims to build the capacity of Micro Finance Banks (MFBs) and to introduce improved products and delivery methodologies as well as to capacitate client groups through awareness building and financial literacy. For information on key achievements of SEDIN interventions in the field of microfinance, financial literacy, SME and value chain finance, micro and agricultural insurance kindly use following link.

State level interventions of the programs on Business Enabling Environment Reforms are centred on reforms and monitoring the changes that lead to the improved performance of MSMEs as a result. MDAs (land, housing, state tax boards, justice, investment and trade) are being accompanied for human capacity development; procedure application and formulation; facilitating linkages between platform on dialogues (PPD) around key doing business themes with stakeholders; support evidenced base studies to undertake reforms. The areas of support are: strengthened advocacy abilities of the organized private sector, tax harmonization, one stop shop model, land and building permit reforms, business registration, quick and effective commercial dispute resolution through Alternative Dispute Resolution (ADR).

1. Strengthening advocacy abilities of the organized private sector

The Business Action Group (BAG) is a private sector led advocacy voluntary group that have been supported to leverage on the capacities of the private stakeholders in coordination with representatives from the public sector. Their main goal is to guide on the areas that can improve the business environment for MSMEs. Different themes are being handled (tax, land reforms, business registration) and the BAG monitor the changes made in procedures and processes at the MDAs and their effectiveness. The BAG is in the 3 states (Niger, Ogun and Plateau).

2. Tax harmonization

The competence on legislating and administering of tax harmonization is at state level. This complements the work undertaken with Local Government Authorities (LGAs). There, support is provided to MDAs to establish a Joint Tax Harmonization Committee with high decision level of the state (Ministries: finance, justice, commerce, local government; agencies: state revenue agencies). The committees so far have been established in all the 3 states with a roadmap to implementation of the tax harmonization process (legislative bills, ruling on levies, process of collection, capacitation of state revenue officers). The work is done with a DFID funded project GEMS 3.

3. One stop shop model

In Niger state, the one stop shop (OSS) model whereby in a single facility, all administrative procedures to start up or expand a company can be made was successfully implemented and at this point the entity is being transformed to a full fledge investment promotion agency by having legislators passing a bill to that effect. The same support has been made in the other states of Plateau and Ogun where different architectures of the OSS have been established aiming the same goal. The OSS is a major support to ease doing business where representations of key MDAs are present in one location to address issues of registration, taxation, land acquisition and building permits amongst other. 

4. Land and building permit reforms

Acquisition of land title through certificate of ownership, obtaining a right to construction are key constraints to doing business for MSMEs. The procedures and processes can be quite costly and lengthy with many enterprises having to rely on the use of professionals for such services that add on cost. SEDIN intervene in the 3 states to improve the quality of service at ministries in charge. Reduction of the number of steps needed, fees that are known and standardized. Information that is readily available to end users. Such are the aim of the intervention in the area.

5. Business registration

Setting up a business in sole proprietorship or in corporation and establishing a cooperative has been identified as constraints of doing business. Impediments are in the complexity and cost of regulatory processes, including improvements in internal processes of state agencies. Though, the Corporate Affairs Commission that is in charge nationally has developed web based registering and with offices opened in the states, the documentation for business and premises registration with issuance of tax identification demands the use of multiple forms duplicated at different MDAs that demand fees to be paid. The MSMEs still have to physically present themselves to the MDAs. With public private dialogue, the issues are being exchanged and avenues identified that permit progressive changes in the process and procedures.

6. Quick and effective commercial dispute resolution through Alternative Dispute Resolution (ADR).

The lack of institutionalization of Alternative Dispute Resolution has been identified as a key constraint to doing business in the three states. Henceforth, SEDIN has commissioned studies to collate information that served the base of dialogue between public and private stakeholders to advocate for reforms and also changes in the process that allow for a progressive solution in the area. The studies have concluded to support the responsible MDAs to have communication and linkages with BMOs and OPS as stakeholders to the reform process. The legislative process on ADR in states still lags the federal rules   The Arbitration and Conciliation Act is being adopted or modified by many states of the Federation and there has been an increase in institutional and ad-hoc, local and international arbitrations as well as a tremendous rise in the activities of institutional arbitration centres in Nigeria.

Interventions on Trade policy and Facilitation

Plateau State: With a view to facilitating trade in Nigeria, the programme aims to unlock new market opportunities for SMEs in Plateau State. It therefore supports them in meeting the formal requirements for entering lucrative domestic, regional (ECOWAS) and overseas markets. This includes trainings and hand-holding support to get necessary certificates by organizations such as the Corporate Affairs Commission (CAC), Standards Organization of Nigeria (SON), National Food and Drug Administration and Control (NAFDAC) and the National Approval Committee (NAC). We train SMEs amongst others on the kind of packaging needed for products to receive national food certificates and to meet international standards. The project furthermore assists SMEs through match making, e.g. by organising trade fairs where local producers can display their products and make new business contacts with potential larger buyers.

Ogun State: Since a lot of Nigeria’s trade with the region, but also domestic goods transports between South and North pass through Ogun State and time and cost associated with checkpoints are high, an initiative called TRIMS (Trade Route Incident Mapping System) was launched in 2014 and launched in Ogun State. It helps traders and transporters to report delays, harassments and illicit payments that are mounted upon them various actors while moving goods to a public website, (www.trimsonline.org). The data collected for Ogun State formed the basis for a public-private dialogue on facilitating trade in Ogun State in April 2016, where an integrity compact was signed between security operatives, law enforcement agencies and representatives of the private sector. The TRIMS initiative has been extended to other Nigerian states. Furthermore, the organized private sector is informed on different platforms on how to take advantage of the domestic and regional market opportunities provided by Nigeria’s signatory to different regional trade protocols.

Niger State: Also in Niger State, the organized private sector is made aware of benefits with regards to trade that can be reaped from Nigeria being a member of the ECOWAS. Apart from attending such events and workshops, a large number of SMEs in Niger State, but also in the other focal states, receives the ECOWAS Vanguard – a quarterly magazine produced by the National Association of Nigerian Traders (NANTS) in collaboration with GIZ on issues around domestic and regional trade.

The Financial Sector Development (FSD) Unit’s objective is to increase and improve access to sustainable and demand-oriented as well as responsible financial services for the poor segment of population being excluded from the conventional banking sector. The Programme aims to build the capacity of Micro Finance Banks (MFBs) and to introduce improved products and delivery methodologies as well as to capacitate client groups through awareness building and financial literacy.

  PLATEAU STATE NIGER STATE OGUN STATE
Area The state is located at the centre of the country forming part of the middle-belt and covers an area of 26,899 km2 Niger is in the North Central geographical zone of Nigeria and spans a territory of 76,363 km2 16,762 km2
State Capital Jos Minna Abeokuta
LGAs 17 – Barkin Ladi, Bassa, Bokkos, Jos East, Jos North, Jos South, Kanam, Kanke, Langtang North, Langtang South, Mangu, Mikang, Pankshin, Qua’an Pan, Riyom, Shendam, Wase 25 – Agaie, Agwara, Bida, Borgu, Bosso, Chanchaga, Edati, Gbako, Gurara, Katcha, Kontagora, Lapai, Lavun, Magama, Mariga, Mashegu, Mokwa, Munya, Paikoro, Rafi, Rijau, Shiroro, Suleja, Tafa and Wushishi 20 – Abeokuta North, Abeokuta South, Ado-Odo/Ota, Ewekoro, Ifo, Ijebu East, Ijebu North, Ijebu North-East, Ijebu Igbo, Ijebu Ode, Ikenne, Imeko Afon, Ipokia, Obafemi Owode, Odogbolu, Odeda, Ogun Waterside, Remo North, Sagamu, Yewa North, Yewa South
Governor Hon. Simon Lalong  Abubakar Sani Bello Ibikunle Amosun
Population 3,178,712 (2006 Census) 3,9 million (2006 census) 4,054,272 (2006 Census)
Ethnic Groups Berom, Afizere, Amo, Anaguta, Aten, Bogghom, Buji, Challa, Chip, Fier, Gashish, Goemai, Irigwe, Jarawa, Jukun, Kofyar (comprising Doemak, Kwalla, and Mernyang), Montol, Mushere, Mupun, Mwaghavul, Ngas, Piapung, Pyem, Ron-Kulere, Bache, Talet, Taroh (Tarok), Youm and Fulani/Kanuri in Wase Nupe, Gwari, Hausa, Kamuku, Pangu, Koro, Ganagana, Kadara, Kambaris, Bassa, Bisan, Boko, Bauchnu, Fulanis, Kukuwa, Gade, Godra, Kakanda, Gulengi, Abishina and numerous groups from other states, including Yoruba, Igbo, Tiv There are six major ethnic groups in Ogun: Egba, Ijebu, Remo, Egbado, Awori and Egun which are complemented by a number of non-indigenous groups from other parts of Nigeria
Language(s) Hausa, Birom, Ngas, Taroh, Anaguta, Afezere, Ron-Kulere, Mwagavul, Gumai, Bassa Hausa, Gwari and Nupe Yoruba and English (Official Language) and several dialects of the sub-groups
Economy Private sector operation is concentrated in the Jos and Bukuru metropolis. Agriculture is the main occupation of the Plateau population with produce including Irish potatoes, maize, rice, yam, fruits and vegetables. Additionally, Plateau weather has been found to be favourable to poultry farming, dairy and dairy products. The non-agricultural sub-sector is represented by a few medium- and large-scale enterprises such as Grand Cereals Nigeria Limited, MTN Call Centre, Swan Waters Nigeria Limited, NASCO, Jos International Breweries, and Highland Bottling Company which engage in various forms of production such as food processing, production of packaging materials, building materials, steel and metal sheets and merchandising. Mining has lost in importance, but is still on-going in many parts of the state. Minerals extracted include products such as tin, columbite, gypsum, kaolin, zircon, monazite, marble, lime stone, sphalerite, quartz, clay and gemstones. Other businesses are largely micro and small scale enterprises, cottage in their mode of operations. Agricultural activities form the mainstay of the Niger State economy, with more than 80% of the population engaged either directly or indirectly in it. Mostly, this relates to farming, fishing and cattle rearing with common crops including rice, yam, cassava, melon, sugarcan, sorghum, millet, cotton, soy beans and beans. Shea nut trees are wildly grown and scattered across the state. The processing sector includes a few medium and large enterprises such as Maizube Farms Nig. Ltd. (food processing), Dana Pharmaceuticals Ltd., Scientific Equipment Development Institution, Shelter Clay products and Imurat International Limited (plastic manufacturing and export). Other economic activities which are largely in the informal sector include trading, transportation and local arts and crafts (e.g. traditional brass works from Bida). As in the other 2 states, agriculture plays a fundamental role in the economy of Ogun. Major food crops include rice, maize, cassava, yam and banana, and the main cash crops include cocoa, kolanut, rubber, palm oil and palm kernels. Additionally, there is production of timber and rubber on a large scale in the state. Other mineral resources available include chalk, phosphate, high quality stones and gravels for construction work. There are a number of cement factories, including one in Sagamu which is claimed to be the largest in West Africa. Other industries include the production of beer, bicycle tires, clay bricks, and clothing materials. Some important enterprises include Animal World Ltd., West Africa Portland Cement, Animal Care Agrochemical, May and Baker, Nestle Nigeria Plc. and Consolidated Breweries Plc