Business
How Real Estate Works in Northern Nigeria: Culture & Compliance by Dennis Isong
When Nigerians talk about real estate, the conversation almost always circles back to Lagos.
The fast-paced deals, skyrocketing land prices, and luxurious estates in Lekki or Banana Island dominate the headlines.
Abuja also gets its fair share of attention as the federal capital with carefully planned layouts.
But there is another part of Nigeria where property has its own heartbeat, shaped by culture, religion, and tradition—the North.
To understand How Real Estate Works in Northern Nigeria: Culture & Compliance, one must see beyond brick and mortar.
Real estate here is not just about land or houses; it is about identity, heritage, and community values. If you approach it only from the legal or commercial angle, you will miss the bigger picture.
The Cultural Lens of Real Estate in the North Northern
Nigeria, with its vast landscapes stretching from Sokoto to Maiduguri, operates under a unique cultural framework.
In cities like Kano, Kaduna, Katsina, and even the smaller towns, property is more than an economic asset—it is a family inheritance.
Families in the North often view land as something sacred, not just because it appreciates in value, but because it ties them to their ancestry.
In Hausa communities, for instance, old family homes—some hundreds of years old—are kept within bloodlines. To sell such property without consulting extended family members can cause serious conflict.
In some cases, you’ll hear of siblings taking each other to traditional courts because one person sold family land without “full blessing.”
This cultural mindset makes buying property in the North different from Lagos, where money often speaks louder than tradition.
In the North, even when a seller is eager, the wider family or community must be carried along. Sometimes, that approval carries more weight than a receipt.Compliance:
The Role of Sharia and State Laws
If you want to grasp
How Real Estate Works in Northern Nigeria: Culture & Compliance, you must understand how law and religion overlap. While Nigeria’s Land Use Act governs all states, the North adds a second layer—Sharia law, which influences property ownership, inheritance, and transactions.
Under Islamic law, land and property distribution follow specific inheritance rules. For example, male and female heirs do not receive equal portions.
A son typically gets a larger share than a daughter.
This means property passed down is already shaped by faith.When it comes to financing, conventional bank mortgages are rare.
Since Islamic law discourages interest (riba), banks and cooperatives in the North often structure financing differently.
Instead of a typical loan, buyers may enter into arrangements like:Ijara (lease): where the bank buys the property and leases it to the client until full payment is made.
Musharakah (partnership): where both parties jointly buy the property, and the client gradually pays off the bank’s share.
This makes real estate transactions slower compared to Lagos, where mortgages are straightforward but expensive.
Yet, it also makes property ownership more community-oriented and less tied to heavy interest repayments. At the same time, formal legal compliance is still essential.
In cities like Kano, Kaduna, Katsina, and even the smaller towns, property is more than an economic asset—it is a family inheritance.
Titles like Certificate of Occupancy (C of O), Governor’s Consent, and Deeds of Assignment are still required.
However, having only those documents without community and cultural alignment can be risky.
A Short Story: Musa’s Dilemma in Kaduna
Let’s bring this closer with a real-life-inspired story.
Musa, a 32-year-old engineer in Kaduna, had just saved enough to buy a piece of land.
The seller showed him a Certificate of Occupancy issued by the state government.
Excited, Musa quickly made payment, collected his papers, and began planning his house design.But his joy was short-lived. When he moved materials to the site, community leaders stopped him.
They explained that even though the land had government approval, he needed the blessing of the Ward Head and acknowledgement from the local traditional council. Until then, no builder would dare work on that land.
Musa was frustrated. He had done everything “legally right,” but in Northern Nigeria, legality is only one side of the coin. Eventually, after weeks of negotiation and presenting kola nuts and token gifts, the leaders gave their approval. It was not corruption, but custom.
To the community, it was about respect—recognizing the role of traditional custodians before starting anything permanent.
That was when Musa realized that in the North, compliance goes beyond government files.
Culture and tradition carry their own authority.
Modern Development Meets Traditional Northern Nigeria is often seen as conservative, but it is also evolving. Cities like Abuja, Kano, and Kaduna are rapidly urbanizing, with shopping malls, gated estates, and smart homes now a reality.
Yet, even with this modernization, traditional values still shape how projects succeed.
Developers have learned that ignoring culture is a mistake.
For example, in many Northern estates, houses are designed with enclosed courtyards to give women privacy—a cultural expectation in Islamic communities.
Some estates also provide prayer spaces and mosques, understanding that religion is central to daily life.
Unlike Lagos, where aesthetics and modern lifestyle dominate, Northern real estate must blend modern architecture with cultural sensitivity.
A sleek duplex without space for extended family visitors may not appeal as much as a home that accommodates communal living.
Investors who understand this balance do well. Those who ignore it, no matter how sophisticated their projects, struggle to attract buyers.
Navigating Real Estate the Smart Way
So, what does it take to succeed in Northern Nigerian real estate—whether you’re a buyer, investor, or developer?
The answer lies in blending two things: respect for the law and respect for culture.
First, secure the legal documents. Without proper titles, you risk disputes and potential repossession by the government.
Northern states still operate under the Land Use Act, and a Certificate of Occupancy or Governor’s Consent is non-negotiable.
Second, never underestimate traditional structures.
From the Ward Head to community elders, local approval can make or break your property plans.
What may look like “extra steps” is actually what keeps your investment safe from hidden disputes.
Third, understand the financing culture. Don’t walk into Northern Nigeria expecting quick mortgage approvals like in Western economies.
Instead, explore Islamic-compliant financing options, cooperative societies, or outright purchase plans.
Last, learn to respect heritage. If you’re buying family land, ensure every stakeholder agrees.
In some families, even distant cousins must consent before a sale is valid. Ignoring this could lead to years of court battles. Final Thoughts
How Real Estate Works in Northern Nigeria:
Culture & Compliance is a lesson in patience, respect, and balance. Unlike Lagos, where deals can be purely transactional, the North demands deeper understanding.
Property here is not only about financial investment but also about cultural integration.
The wise investor doesn’t see these extra layers as obstacles, but as the very fabric that makes Northern real estate unique.
By respecting both the legal framework and cultural traditions, you don’t just buy land—you buy acceptance, peace of mind, and a place within a community.
For anyone considering Northern Nigeria, remember this: documents give you ownership, but culture gives you belonging.
Without both, your real estate journey may feel incomplete.
• Dennis Isong is a TOP REALTOR IN LAGOS.
He Helps Nigerians in Diaspora to Own Property In Lagos Nigeria STRESS-FREE.
For Questions WhatsApp/Call 2348164741041
Business
FOBTOB seeks fresh dialogue over ban on alcohol in sachets and PET bottles
Therefore, while NAFDAC states that factories will not be shut down, the policy will result in economic shutdown, particularly for indigenous manufacturers and informal-sector participants.
Food, Beverages and Tobacco Senior Staff Association (FOBTOB) said on Thursday that the NAFDAC’s blanket ban on satchets alcohol is economically destructive.
FOBTOB, there call out for a fresh dialogue comprising the stakeholders in the industry, the National Assembly, the Federal Ministry of Health, NAFDAC and Civil society organizations to engage in open, transparent, and evidence-based dialogue aimed at crafting policies that protect public health without destroying livelihoods or creating regulatory contradictions.
Reacting to a press release issued by the Director-General of the National Agency for Food and Drug Administration and Control (NAFDAC) today regarding the enforcement of a ban on alcoholic beverages packaged in sachets and small containers below 200ml, FOBTOB President, Jimoh Oyibo, disclosed that while the association acknowledge and fully supports the shared objective of protecting children, adolescents, and vulnerable populations from the harmful use of alcohol
“We must express deep concern that the approach adopted by NAFDAC is disproportionate, economically disruptive, and inconsistent with broader regulatory and public health realities in Nigeria,” he said.
PUBLIC HEALTH IS IMPORTANT — BUT POLICY MUST BE BALANCED AND EVIDENCE-BASED
No reasonable stakeholder disputes that excessive alcohol consumption is harmful.
However, public health challenges require holistic, data-driven, and enforceable solutions, not blanket prohibitions that fail to address root causes.
Alcohol abuse among minors is primarily a challenge of effective enforcement, parental responsibility, public education, and social regulation, rather than one of packaging format.
The size of an alcohol container does not in itself, confer safety, nor does increasing pack sizes prevent access by minors.
The global public health evidence consistently demonstrates that behavioural regulation, age-restriction enforcement, education-driven interventions, and appropriate sanctions are more effective in addressing underage alcohol consumption than blanket product bans.
NAFDAC’S CLAIM ON UNINTERRUPTED COMPANY OPERATIONS – CONTRADICTED BY EVIDENCE
Notwithstanding representations made by affected stakeholders, access to these depots has not been restored by NAFDAC, and this is affecting normal business operations negatively.
As a labour union, the livelihoods of our members will be adversely affected by the closure of manufacturers’ depots.
We have compiled records of these enforcement actions for reference and ongoing engagement, which are presented alongside this article.
ECONOMIC AND SOCIAL CONSEQUENCES CANNOT BE IGNORED
For many indigenous distillers, blenders, and distributors, sachet and sub-200ml packaging does not constitute a marginal segment of their operations but rather is the foundation of the core business model.
These packaging formats were intentionally developed to serve low-income consumers, informal retail channels, and rural markets where considerations such as affordability, portability, and unit pricing determine demand.
Also, the claim that the policy only affects “two packages” does not fully convey the magnitude of the impact.
In operational terms:
Production lines are configured specifically for sachet and small-format bottling.
Distribution networks are optimized for high-volume, low-unit sales
Retail reach is largely dependent on maintaining affordability at the lowest price points.
For many small and medium-scale operators, this transition will not be financially attainable.
Therefore, while NAFDAC states that factories will not be shut down, the policy will result in economic shutdown, particularly for indigenous manufacturers and informal-sector participants.
The ban on sachets and small containers below 200ml also risks tilting the market in favour of larger, better-capitalized multinational players who can absorb retooling costs and pivot to premium pack sizes.
Smaller local producers, who rely overwhelmingly on sachet sales, are disproportionately harmed, raising concerns about market concentration and unfair competitive outcomes.
Public health and economic survival are not mutually exclusive.
Nigeria deserves policies that are balanced, humane, enforceable, and fair.
The solution lies in moderation, education, and enforcement, not in policies that punish many while failing to address the real drivers of abuse.
SIGNED BYJIMOH OYIBONATIONAL PRESIDENT FOOD, BEVERAGE AND TOBACCO SENIOR STAFF ASSOCIATION (FOBTOB
Business
We ban alcohols in retail satchets for national interest – Prof Adeyeye
Placing a label to read not for children on the sachets and the small containers will not work. It cannot be enforced because of the peculiarity of the society.
The National Agency for Food and Drug Administration and Control (NAFDAC) declared on Thursday that it only ban alcohol in sachet and small containers less than 200ml, and didn’t close down any company in the sector.
“The aim of the ban is to protect vulnerable population such as children and the youth,” said Prof Mojisola Christianah Adeyeye, Director-General, NAFDAC, asserting:”This ban is not punitive; it is protective.”
In a statement , the NAFDAC DG, emphasised that the ban was in line with the recent directive of the Senate of the Federal Republic of Nigeria, and backed by the Federal Ministry of Health and Social Welfare, underscores the agency’s statutory mandate to safeguard public health and protect vulnerable populations particularly children, adolescents, and young adults from the harmful use of alcohol.
The proliferation of high-alcohol-content beverages in sachets and small containers less than 200 ml has made such products easily accessible, affordable, and concealable, leading to widespread misuse and resultant addiction among minors and some commercial drivers.
This public health menace has been linked to increased incidences of domestic violence, road accidents, school dropouts, and social vices across communities.
Placing a label to read not for children on the sachets and the small containers will not work. It cannot be enforced because of the peculiarity of the society.
Many parents dont know their children take alcohol in sachet because the pack size can be easily concealed and the sachet is cheap. History of six years of moratorium given to manufacturers to reconfigure their product lines:
In December 2018, NAFDAC, the Federal Ministry of Health, and the Federal Competition and Consumer Protection Commission (FCCPC) signed a five-year Memorandum of Understanding (MoU) with the Association of Food, Beverage and Tobacco Employers (AFBTE) and the Distillers and Blenders Association of Nigeria (DIBAN) to phase out sachet and small-volume alcohol packaging by January 31, 2024.
The moratorium was later extended to December 2025 to allow industry operators to exhaust old stock and reconfigure production lines.
NAFDAC emphasizes that the current Senate resolution aligns with the spirit and letter of that agreement and with Nigeria’s commitment to the World Health Assembly Global Strategy Resolution to Reduce the Harmful Use of Alcohol (WHA63.13, 2010), to which Nigeria is a signatory since 2010.
The ban on sachet packaging and PET botttle less than 200 ml is to make it difficult for children to get to alcohol and its consumption.
NAFDAC approves alcohol in bigger pack sizes. The small size of the sachet makes it easier for underage to conceal from parents and teachers.
Report from schools show that children conceal the sachets. A teacher recently reported that a student said he couldnt take exam without taking sachet alcohol.
It is aimed at safeguarding the health and future of our children and youth by not allowing alcohol in small pack sizes.
The decision is rooted in scientific evidence and public health considerations. We cannot continue to sacrifice the wellbeing of Nigerians for economic gain.
The health of a nation is its true wealth.NAFDAC reiterates that only two packages of alcoholic beverages are affected by this regulation – spirit drinks packaged in sachets and small-volume PET/glass bottles below 200ml.
The Agency calls on all stakeholders, including manufacturers, distributors, and retailers, to comply fully with the phase-out deadline, as no further extension will be entertained beyond December 2025.
The Agency will continue to work collaboratively with the Federal Ministry of Health and Social Welfare, the Federal Competition and Consumer Protection Commission (FCCPC), and the National Orientation Agency (NOA) to implement nationwide sensitization campaigns on the health and social dangers associated with alcohol misuse.
NAFDAC remains resolute in its mission to ensure that only safe, wholesome, and properly regulated products are available to Nigerians.
Business
Chinese investors establish $20m Lithium plant in Kwara with pharmaceutical plant underway
According to Sun, the company currently employs more than 300 workers, most of whom are indigenes of Kwara State.
Image: Lithium mineral
A Chinese firm, ER KANG Company Limited, has established a $20 million lithium processing factory in Kwara State.
ER KANG is also establishing a pharmaceutical manufacturing company in Kwara, valued at over $15 million, bringing the total Chinese investment in the state to approximately $35 million.
Team lead of the company, Sun Qing Rong, disclosed this in Ilorin during a meeting with Governor AbdulRahman AbdulRazaq on Wednesday.
He said the lithium plant is already operational and the investment is intended to prevent the export of raw minerals without processing.
Sun explained that the facility converts lithium into ready-to-use industrial materials, ensuring the mineral is processed locally rather than exported in its raw form.
He noted that the initiative aligns with government policies promoting value addition in the state.
According to Sun, the company currently employs more than 300 workers, most of whom are indigenes of Kwara State.
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