Efe

[Ayra Crave @AyraCrave_]

Ayra Starr performing Rush at the NFL Halftime Show 🇬🇧🏈

[Efe @nwansoso]

@thissdax @MofoTeeee @Wizarab10 God bless u

[👑S.A.L.A.K.O🕊 @UnkleAyo]

Generational fool.

[👑S.A.L.A.K.O🕊 @UnkleAyo]

If anyone explains Nigeria to you and you understand, there's actually something wrong with you mentally..

This is what you get when "fuck good governance" is your retort to conversations on policies that determine your livability.

[Efe @nwansoso]

@Tomiwa_xm @_LiveAndHope @jamb_hq It’s never a surprise when u see dumb people making comments. It always reek of foolishness and the need to make comments without any thoughts. Someone is asking important questions and instead of you to calm tf down n learn, you re displaying your stupidity.

[Efe @nwansoso]

@Merchimaaa @workyourpeace lol
They just be saying anything these days.

[Chioma @Merchimaaa]

I guess calling them honey is rooted in bee keeping

[Efe @nwansoso]

@QoTho_ So sorry for your loss. This is so sad

[Efe @nwansoso]

@bricksNGM @JoeOfficial12 Shut up, u dumb fuck.

[Jonakale @jonakale_]

And what confirmed that?

[Alex Onyia @winexviv]

One major difference between life in Nigeria and life in developed economies is something we don’t talk about enough:

ACCESS TO AFFORDABLE CREDIT.

In Canada, car loans can be around 6–7% per annum. Mortgages can be around 4–6%.

In the UK, new mortgages are around 4–5%.

Across the Eurozone, new housing loans are around 3–4%.

In the United States, even with today’s relatively high rates, a 30-year mortgage is around 7%.

Now come to Nigeria.

Our Central Bank policy rate is 23%, while commercial lending rates can run above 30% and, depending on the lender and borrower, considerably higher.

Then there are short-term digital lenders and informal loan sharks whose effective borrowing costs can be brutal.

Think about what this does to a society.

In developed economies, a hardworking person does not necessarily need the entire cash to buy a car, own a home, acquire equipment or build a business.

The financial system allows you to bring tomorrow’s income into today’s productivity.

You buy the house and repay over 15, 20 or 30 years.

You buy the car and repay over several years.

A business buys equipment today and pays for it from the income that equipment generates tomorrow.

That is one of the hidden infrastructures of prosperity: AFFORDABLE, LONG-TERM CREDIT.

In Nigeria, we have almost criminalised not having cash.

If you don’t have ₦50 million today, you may simply not be able to buy the ₦50 million asset, even if you have a stable income capable of paying for it over several years.

And when credit is available, the cost can be so high that the loan itself becomes the problem.

This affects everything.

Home ownership.
Transportation.
Manufacturing.
Agriculture.
Small businesses.
Education.
Technology.
Job creation.

We cannot build a productive middle class entirely on CASH AND CARRY.

A modern economy must allow responsible people to use their FUTURE INCOME to build their PRESENT PRODUCTIVITY.

Nigeria doesn’t only need more jobs.

We need a financial system that makes the income from those jobs actually capable of building wealth.

Affordable credit is not a luxury.

It is economic infrastructure.

[Dr. Igor 🇿🇼 @DrMzimu]

At least we have a Homeland. You neither have a home, nor LAND. 🤣🤣🤣

[Sifuna 76 Battalion @CashbaggYo]

Asia holds 60% of world’s population but South Africa alone has more people living with HIV/AIDS than the entire Asian content.
It’s against our morals to disturb the sick!

[Efe @nwansoso]

@Cookey04804882 @betaflyy Please stop embarrassing us further….

[Efe @nwansoso]

@Deethevan Total standstill mehn

[Efe @nwansoso]

@Kehtography_ I hope everything works out well for you.

[Efe @nwansoso]

@TEEPHTREND @abys_era It’s nice though🤗

[Efe @nwansoso]

@UnkleAyo God bless you

[Efe @nwansoso]

@EkeleMona @Phlastdaughta @Odudu_Nwa @Steadi_lady @guzu_p To be fooling? Christ!
Say na “preachings”. You’re so idiotic, it almost want to make me cry.

[✨✨Danielle✨✨ @dee_elleea]

I’m extremely disappointed in us as Nigerian youths. Extremely.
I woke up this morning to get ready for work without electricity and without water. The last time we had power in my area was Saturday morning. This is Abule Ijesha, Lagos.
I work a 9–5. I earn a substantial amount every month, and yet I’m still dealing with something as basic as the lack of electricity and water.
And meanwhile, young people on Twitter are still allowing tribal sentiments and religious affiliations to divide us in 2026.
Do you people not understand how limited you are compared to young people in developed countries? Do you not understand that if anything happens right now, the politicians who are the most privileged among us have the means to leave this country while the rest of us remain here to deal with the consequences?
Do you genuinely think the elites care about the tribal and religious divisions they use to keep us fighting each other?
Your Commissioner of Environment and Water Resources in Lagos can be online flaunting a Patek Philippe while young people are struggling with basic infrastructure. And this is just a Commissioner.
They know exactly what they’re doing. They know that as long as we’re distracted by tribe, religion, sex, politics and whatever other silly division they can exploit, we won’t look up and ask the people actually responsible for our living conditions the difficult questions.
This is disgusting.
And honestly, we should be ashamed of ourselves.
Not because we are powerless, but because we have failed woefully to recognize where our collective interests lie.
We keep fighting each other while the people benefiting from this dysfunction continue to live above the consequences of it.
We need to do better.