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Effurun Shooting: IGP Orders Dismissal, Prosecution of Officer

  In what appears to be a firm stance against police misconduct, the Inspector-General of Police, Kayode Egbetokun, has ordered the dismissal and prosecution of a police officer involved in the fatal shooting of a civilian in Effurun, Delta State. The incident, which occurred on April 26, 2026, led to the tragic death of a young man identified as Mene Ogidi, sparking outrage and renewed concerns over the conduct of security operatives in Nigeria. Preliminary findings revealed that the officer, ASP Nuhu Usman, breached established rules governing the use of firearms, particularly provisions under Force Order 237, guidelines designed to regulate the use of lethal force by police personnel. Following an internal review, the Nigeria Police Force described the officer’s actions as unlawful, unprofessional, and a gross violation of the duty to protect life. The Force Disciplinary Committee subsequently recommended his dismissal, a decision now approved by the IGP, alongside immediate ste...
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Why It’s Not Good to Borrow Money on Apps

 


By Yusuf Idowu Abass 


In today's digital world, borrowing money has become as easy as downloading an app. While this convenience can be tempting, borrowing money through financial apps often comes with hidden risks and long-term consequences. Here's why it's generally not a good idea:


1. High Interest Rates and Hidden Fees

Many loan apps charge extremely high interest rates—sometimes far higher than traditional banks or credit unions. In addition to interest, they may add service charges, processing fees, late penalties, or daily compounding rates, making the total repayment much more than the original loan.


2. Short Repayment Periods

Loan apps often require borrowers to repay the full amount within a short period, sometimes just a few weeks. If you can’t repay on time, you may be hit with additional fees or forced to reborrow, trapping you in a cycle of debt.


3. Data Privacy Concerns

Some apps access your phone’s contacts, messages, or personal data. If you default, they might contact your friends and family or even publicly shame you—actions that can seriously damage your reputation and mental health.


4. Unregulated or Illegal Lenders

Not all lending apps are regulated by financial authorities. Some operate illegally or with little oversight, offering no consumer protection. If something goes wrong, you may have no legal recourse.


5. Debt Trap Risk

Easy access to credit can lead to impulse borrowing and over-reliance on loans. Many people fall into a cycle of borrowing to repay previous loans, creating a long-term debt trap that’s hard to escape.

Better Alternatives

Build an emergency savings fund

Borrow from trusted friends or family

Use credit unions or licensed financial institutions

Seek financial counseling if you're struggling


In summary, while borrowing money from apps might seem like a quick fix, it often leads to more problems than it solves. 


Always think carefully before taking on debt, and explore safer, more sustainable financial options.

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