Pressure That Pressure That Pressures You

■ DAVE WORLD INTERNATIONAL | MONDAY NUGGET

For DWI Participants | Week of Favour

THEME: PRESSURE — THE FORCE THAT MAKES YOU MOVE EVEN WHEN YOU’RE NOT PUSHED

Good morning DWI Family,  

Pressure is real. It whispers, it rushes, it demands: “Do something now!”

But hear me: Not every movement is progress. Not every exit is escape.

1. PRESSURE MAKES PERMANENT DECISIONS FOR TEMPORARY PROBLEMS

The famine pushed Elimelech out of Judah to Moab.  

“And a certain man of Bethlehem in Judah went to sojourn in the country of Moab...” — Ruth 1:1

But the famine in Judah ended while he was still in Moab 😭  

He made a permanent move for a temporary problem.  

10 years later: Husband gone. 2 Sons gone. No legacy.

Many of us are doing the same today — quitting jobs, breaking covenants, leaving church, making desperate choices because of debt, delay, and disappointment.

Don’t let pressure become your counselor.

“Rest in the LORD, and wait patiently for him...” — Psalm 37:7

“...in quietness and in confidence shall be your strength.” — Isaiah 30:15

Even the Quran reminds us:  

“And whoever relies upon Allah — then He is sufficient for him. Indeed, Allah will accomplish His purpose.” — Quran 65:3

God’s timing is greater than your panic.

2. ONE DECISION CHANGES EVERYTHING

Same famine. Two different responses.

Elimelech moved out of pressure. 10 years later, he lost everything.  

Ruth stayed loyal in pressure. 10 years later, she was in the lineage of Jesus — Matthew 1:5-6

Pressure didn’t change. Their decision did.  

Your next decision can either *destroy your destiny* or birth your legacy.

“I call heaven and earth to record this day against you, that I have set before you life and death... therefore choose life” — Deuteronomy 30:19

3. DELAYED CONSEQUENCES ARE STILL CONSEQUENCES

They lived in Moab 10 years and “nothing happened.”  

Then in one year: everything collapsed.  

Just because things look “okay” now doesn’t mean you’re in God’s will.  

“Be not deceived; God is not mocked: for whatsoever a man soweth, that shall he also reap.” — Galatians 6:7

Check your direction today.  

Are you in Judah — God’s place? Or in Moab — the place of pressure?

---

SPIRIT-LIFTING CHARGE

Pressure will come. But you don’t have to obey it.  

Wait on God. Pray through it. Believe through it.  

What looks like delay may be God protecting your destiny.

PRAYER

Father, in Jesus’ name,  

Give me grace not to run ahead of You.  

Deliver me from decisions made in panic.  

Order my steps and let me stay in Your will, even under pressure.  

I choose to trust Your timing over my tears.  

Let my waiting birth a legacy, not a loss. Amen.

YOUR TURN:

What pressure is trying to make you decide today?  

Drop a 🙏 if you’re choosing to WAIT ON GOD this week.

— DWI Monday Nugget from the desk of the chairman. Follow for more

Remember: “Nothing is more powerful than prayer; nothing is stronger than faith; nothing is greater than GOD.”

■ DAVE WORLD INTERNATIONAL

Fuel Subsidy Removal And Borrowing Saga, Fully Explained

CAN A OIL PRODUCING COUNTRY STILL BE BORROWING AFTER FUEL SUBSIDY IS REMOVED?

> Yes — an oil-producing country can still borrow even after removing fuel subsidies. - DWI 

Removing subsidies helps, but it doesn’t magically fix the whole budget. Here’s why countries like Nigeria still borrow post-subsidy: 

1. Subsidy Removal ≠ Instant Cash Surplus 

When Nigeria removed PMS subsidy in May 2023, it cut ∼$10B/year in direct costs. But:

- Debt service was already eating >90% of govt revenue in 2022. Subsidy removal freed up cash, but most of it went to paying old debts, not new spending.

- Revenue ≠ profit. You still have salaries, pensions, infrastructure, security, education, health to fund. 

2. Oil Revenue is Volatile and Leaky...

Problem Why borrowing still happens

▪︎Oil production shortfall: Nigeria’s OPEC quota is ~1.8M bpd. Actual production often 1.2-1.4M due to theft, vandalism, underinvestment. Less oil = less dollars.

▪︎NNPC deductions: Even post-subsidy, NNPC still deducts for JV cash calls, pipeline security, “frontier exploration” before remitting to FAAC.

▪︎Oil price swings: Budget 2024 benchmarked $77/barrel. If prices dip to $65, revenue holes appear fast.

▪︎FX issues: Oil money comes in USD, but if you don’t have enough USD to meet demand, naira crashes → inflation → more borrowing to stabilize. 

3. Structural Deficits Are Bigger Than Subsidy 

Fuel subsidy was ∼2-3% of GDP. Nigeria’s fiscal deficit is ∼4-6% of GDP. Other big drains:

1. Debt servicing: ∼$15B/year in 2024. You borrow new money to roll over old debt.

2. Low tax-to-GDP: Nigeria collects ∼6-8% of GDP in tax. OECD average is 34%. So non-oil revenue is tiny.

3. Infrastructure gap: $3T needed by 2040 per AfDB. You can’t build roads/rails/power from oil cash alone.

4. Exchange rate unification: Floating the naira in 2023 tripled debt service costs in naira terms overnight. 

4. Real-world examples

-Saudi Arabia: World’s #2 oil producer, no fuel subsidy, still issued $12B in bonds in 2024. Why? Vision 2030 projects + diversification.

- Norway: Oil-rich, no subsidy, no debt. But they saved $1.6T in a sovereign wealth fund since 1990 instead of spending it.

- Angola: Oil producer, removed subsidies 2023, still borrowing from IMF/China because production fell and debt/GDP hit 90%. 

So What Would Stop Borrowing?

A country only stops borrowing when: `Revenue + savings > Spending + debt service` 

Subsidy removal helps the “revenue” side. But you also need:

1. Production at full quota with minimal theft

2. High tax collection* from non-oil sectors

3. Controlled spending and corruption

4. Sovereign savings during oil booms 

For Nigeria Specifically: Tinubu removed subsidy and “saved” ~N4T in 6 months, but debt service was N8.25T in 2024 budget. So borrowing continued to plug the gap. 

¤ GLOBAL WATCH 

...NEXT... 👇 

Numbers on Nigeria’s 2024/2025 budget to show exactly where the money goes

Here’s The Actual Math For Nigeria’s 2024/2025 Budgets — Where The Money Comes From And Where It Goes:

2025 Budget: “Budget of Restoration” — N54.99 trillion total 

1. Where the money was expected to come from

- Total revenue target: N34.82 trillion

- Oil assumption: $75/barrel, 2.06M bpd, N1,500/$

- Actual revenue Jan–Oct 2025: N20.7 trillion = 61% of target 

2. Where it was budgeted to go

Item Amount% of Total Budget

Debt servicing N14.32 trillion26.0%

Recurrent (non-debt) N13.06 trillion23.8%

Capital expenditure N23.96 trillion43.6%

Statutory transfers N3.65 trillion6.6% Total N54.99 trillion 100%

3. Key Sector Allocations 

- Defence & Security: N4.91 trillion

- Infrastructure: N4.06 trillion

- Education: N3.52 trillion

- Health: N2.48 trillion 

4. What Actually Happened Jan–Oct 2025

Actual Spend Amount Notes

Debt service N13.69 trillion 66% of N20.7T revenue earned Personnel + pensions**N7.09 trillionCombined with debt = N20.78T vs N20.7T revenue

Capital projects N8.10 trillionOnly 34% of budgeted capital spent by Sept

Total expenditure N31.89 trillion 

Bottom line 2025: Debt service + salaries = N20.78T, which was _more than_ the N20.7T revenue earned. So every naira earned went to debt + wages, and capital projects were funded by borrowing. 

2024 Budget Performance — N27.5T planned, N28.7T actual spend 

1. Revenue: N19.35 trillion total

- Oil: N6.18T

- Non-oil: N4.56T

- Others: N8.32T 

2. Key Spending

ItemAmount% of Revenue Debt service**N11.89 trillion 69% of revenue Non-debt recurrent**N8.53 trillion44% of revenue Capital released**N5.81 trillion30% of revenue Total spend**N28.73 trillion148% of revenue.

3. Personnel Costs Specifically: N8.52T for salaries + pensions in 2025 budget, up 59% from N5.35T in 2024. Debt service N16.33T + personnel N8.52T = N24.85T, which is 54% of the entire N46.02T budget before any roads, schools, or hospitals.

Why Borrowing Continues Despite Subsidy Removal 

1. Debt is the biggest line item: 26-32% of budget goes to debt service alone. In 2024, 69% of all revenue went to debt.

2. Salaries + debt > revenue: Jan–Jul 2025, FG earned N13.67T but spent N14.32T on debt + wages. That’s 105% of revenue before 1 naira of capital.

3. Revenue underperformance: Oil production 1.2–1.4M bpd vs 2.06M bpd target. Oil revenue Q1–Q3 2024 was N4.63T vs N6.13T target.

4. Capital gets squeezed: Only N3.6T spent on capital Jan–Jul 2025 vs N13.67T planned — 73.7% shortfall. Debt + salaries are “first charge” expenses. 

Rule of thumb: If debt service + recurrent > revenue, you must borrow to do anything else. Subsidy removal helped — it added ~N4T in 6 months — but debt service was N8.25T in 2024 budget. 

¤ GLOBAL WATCH 

...NEXT...👇🏽

Breaking down the N23.96T capital budget to see what projects got funded vs what was just on paper 

Breakdown of Nigeria’s N23.96T 2025 Capital Budget — Funded vs “On Paper”

Short version: Only ∼30% was actually released/funded in 2025. The other 70% got rolled over to 2026.* So most of it stayed “on paper” this year. 

1. What Was Budgeted vs What Was Actually Released 

Category Budgeted for 2025 Actually Released/Spent by Q3 2025 Status

Total Capital Budget N23.96 trillion~N8.10 trillion spent Jan–Sept 2025 Only 34% executed % of budget released 100% 17% by Q3, 30% total for 2025.

Rolled over to 2026 70% = N16.77T**“On paper” for 2025, real work pushed to 2026 

The Ministry of Finance confirmed: “Out of the total N23.96 trillion capital allocation, 30 per cent is now being released, while the remaining 70 per cent has been rolled over into the 2026 budget”.

2. Sector Allocations — Planned vs Funded 

The re-enacted 2025 budget ringfenced N16.76T for capital, with these priorities: 7df9

SectorAllocation in BudgetWhat actually got cash-backed/funded

Works & Housing N5.8T for roads/bridgesPartial. FG cleared N2T in contractor arrears from 2024. New releases: N300bn for “critical roads”. Lagos-Calabar Coastal Highway, Sokoto-Badagry Road named as priorities.

Defense & Security N3.5T for hardware, barracksN250bn for military barracks, N120bn military aviation approved. Most big-ticket procurement still unfunded.

Energy & Power N2.1T for grid, rural electrificationNo specific release figures public. Still “on paper” mostly.

Agriculture/Food Security N1.8T for irrigation, agro-hubsN380bn for River Basin irrigation.

Light Rail N400bn for urban railUnclear if released.

Solid Minerals N1T approvedUnclear if released.

Bank of Agriculture N1.6T recapitalizationUnclear if released. 

Bottom Line: Of N23.96T planned, only N7.19T was scheduled for release to MDAs starting Feb 2026. By Oct 2025, actual capital spend was N8.10T, vs N13.69T spent on debt service in same period. 

3. Why Most Stayed “On Paper”

1. Revenue shortfall: FG earned N20.7T by Oct 2025, but spent N13.69T on debt + N7.09T on salaries = N20.78T. That’s 100.4% of revenue gone before capital.

2. Carryover policy: Govt extended 2024 capital budget to Dec 2025, so N2.23T released for 2024 projects in 2025. Focus was finishing old projects, not starting 2025 ones.

3. 30% implementation target: Tinubu’s letter said revised figures aimed to ensure MDAs hit 30% capital execution. Anything above 30% = rolled to 2026.

4. LCCI warning: “Sum of debt service and recurrent expenditure is greater than revenue projections, implying that capital spending is left without revenue for implementation”. 

4. What Was Actually Funded in 2024-2025 — Examples 

From releases tracked:

- Works: N300bn for roads, N400bn light rail

- Agriculture: N128.24bn cash-backed, N109.89bn utilized

- Health: N55.77bn cash-backed, N34.82bn spent

- Education*: N54.03bn cash-backed, N31.35bn spent

- Transport: N56.55bn allocation, N43.39bn spent

- Contractor debts: N2T paid to clear 2024 arrears

Govt’s Own Admission: Only 17% of 2025 capital released by Q3. Total 2024 capital performance was 84% = N11.59T. For 2025, provisional was 76% = N11.7T by Nov, but that includes rolled-over 2024 work. 

5. The 2026 Rule: “No New Projects ”

Budget circular for 2026 says MDAs must _“upload 70 per cent of their 2025 FGN Budget to continue in FY2026”_ and _“ban on introducing new capital projects”_. Capital ceilings for 2026 = 70% of 2025 allocations. 1ae8 

Translation: The N16.77T of 2025 capital that wasn’t funded becomes the 2026 capital budget. Only 30% of 2025 was real; 70% was a placeholder. 

> Naturally it is not new that humans do mostly follow influential people blindly because we assume they know better. But the system is there for all to investigate on our own. No perfect nation. Let’s beware of those who are trying to display perfectionism where vulnerability is required. 

¤ GLOBAL WATCH 

Work and pray as we continue to support our country. We have so much to do and to achieve. 

■ DWI CARES

ALLAH IS A ZIONIST

WHEN WILL THE JIHADISTS UNDERSTAND? 

In the Holy Quran, Israel (or Bani Israel) is mentioned multiple times, referencing the Israelites and their history.

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The Quran mentions "Bani Israel" (Children of Israel) around 40 times, referencing their history, struggles, and relationship with Allah. Key themes include their covenant with Allah, prophethood, and lessons for believers. 

This same Qur’an itself that they supposedly know so well acknowledges that the land was assigned to the Children of Israel.

The Holy Quran Does Mention The Children of Israel (Bani Israel) And Their Connection To The Land.

● Surah Al-Ma'idah (5:21) - (spoken by Prophet Musa (Moses) to Bani Israel).

“O my people, enter the Holy Land which Allah has assigned to you." 

● Surah Al-A'raf (7:137)

“And We caused the people who had been oppressed to inherit the eastern parts of the land and the western parts which We had blessed.”

Please, take not of the phrase: "Eastern Parts" and "Western Parts", it has spiritual implications. Also, Interpreted as Bani Israel inheriting a blessed land (often linked to the Levant) 

● Surah Al-Isra (17:104)

“And We said to the Children of Israel after him, ‘Dwell in the land.’” 

● Surah Al-Isra (17:4–8)

“You will surely cause فساد (corruption) in the land twice. Then we gave you back a turn. Then if you do good, you do good for yourselves; and if you do evil, it is for yourselves.” 

Islamists use this Surah as an argument to say that the covenant was conditional and that Jews lost the right to the land, but this is false. It just says that Bani Israel would rise and fall based on obedience and corruption and acknowledges their repeated return to the land, not a loss of right to it. 

● Surah Al-Ma'idah (5:13) 

“So for their breaking of the covenant, We cursed them and made their hearts hard. They distort words from their proper places and have forgotten a portion of that of which they were reminded. And you will still observe deceit among them, except for a few of them. But pardon them and overlook [their misdeeds]. Indeed, Allah loves the doers of good.” 

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Also this Surah speaks about covenant violations, but nowhere does it say that the land is no longer belonging to Jews? No. On the contrary. Punishment ≠ cancellation of the original assignment. The text criticizes behavior, not the existence of the connection to the land. When YAHWEH (Allah) swore the land to Abraham and his descendants, i never said he will it to others of they sinned. HE only promised severe punishment, forgiveness and restoration over repentance. 

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How Many Times The Following Words Appear In The Qur'an: 

Israel - 2 times

Children of Israel (Bani Israel) - 43 times

Palestine - 0 times 

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¤ GLOBAL WATCH

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