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For many women in Nigeria, hustling is more than hard work — it’s bias, barriers, and big expectations. So, what’s really holding women back? Is it money? Men? Or mindset? DW’s Edith Kimani and Trust TV’s Abdullahi Ahmed try to get answers from young Nigerians in our latest Street Debate.

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00:00Hello and welcome to this special edition of the 77% Street Debate.
00:11This is a collaboration between DW and Trust TV.
00:15And we're coming to you from Gherki International Market here in the heart of Abuja, Nigeria's capital.
00:21The big question is, hustling for women in Nigeria, what is holding us back?
00:27And of course, I'll be co-piloting the conversation with the magnificent Edith Kimani.
00:32Thank you so much, Abdullahi.
00:33It's estimated stating that nearly 40 women, rather 40% of businesses here in Nigeria are owned by women,
00:39particularly small, medium and micro businesses.
00:42But what about big business? Are women participating there?
00:45Who better to ask than some women?
00:48And I'm so glad to have a panel that is full of women today.
00:51And I want to start with you, Zainab.
00:53Perhaps you can explain to us what the situation in Nigeria is.
00:56Would you say that women are dominant in the business market?
01:00Women are really trying in the business market.
01:02And I think we are trying to be more than the men now.
01:06And I hope we'll be better.
01:08So the question that we've asked at the top of this debate is, are women being held back?
01:13Would you say that's an accurate assumption?
01:16Yes, from religion aspect, from cultural diversity, from funding.
01:22All right.
01:22So we'll come to those reasons in just a short while.
01:24But I want to speak to Saadatu for a second here.
01:27As an IT specialist, you are in an industry that is growing leaps and bounds.
01:32Are you seeing women participation in that, particularly in the North, as Zainab mentioned?
01:36Actually, I would say no.
01:38It's growing, but really not.
01:40I think it's not favorable.
01:42I think it's not what we want.
01:43So give me an example of like an average day for you at the office.
01:47What's the percentage of women in your industry in the North?
01:50Maybe 40 percent.
01:51Yeah, the numbers don't look so good.
01:53So let's ask the economist in the building here, Dr. Delindo.
01:55How would you categorize the participation of women in the market, in the whole of Nigeria, but particularly in the North?
02:01They take up almost 30 to 40 percent of the total business environment in Nigeria, depending on the statistics you find.
02:09So I think that's a lion's share.
02:10So you think they're doing really well?
02:12Yes, they are doing well.
02:13I don't really see the business environment being friendly for both genders.
02:19The problems are not gender specific.
02:22Yes, women have some cultural issues in terms of Northern Nigeria or some religious barriers that prevents them from excelling.
02:29All right.
02:30Let me ask Umita, who's the entrepreneur on the panel.
02:32So we're hearing that the business environment is terrible for everyone and it's not particularly gendered.
02:37Would you agree with this?
02:38Yes, I agree.
02:39I think it's the economy in Nigeria.
02:41This year, it's just a bit slow for everyone.
02:44And so why do you think that women are not able to break the barrier from the small, medium and micro businesses into being the owners of industry?
02:52Because men have already monopolized the whole system.
02:55They try to gatekeep so that it's hard for the women to penetrate.
02:59All right.
02:59Awal, what is your personal view on this?
03:01Do you think that women should be out there in the business market trying to fend for themselves, making an earning?
03:07Women should stay at home and cater for their own children.
03:12Yes.
03:13Let me ask Fatima here because you laughed when he said that he believes women should be at home.
03:18So you find this hilarious and yet it's a reality.
03:20Actually, it's what is happening.
03:21Let me say we women, we don't have freedom, especially from the north because when they said when you go out there, you are not safe.
03:28They can't let their wife to go out there because it's unsafe for them.
03:31They feel insecure with their wife being exposed to other men.
03:34Okay.
03:34So let me ask Awal, are you insecure about women becoming experts in their own field?
03:40No, I'm not.
03:41But protection, their protection is primary.
03:45Okay.
03:46Let me speak to Ahmed who's a strategist and you work with women, you mentor them.
03:50So in some ways, you are the antithesis of what Awal here is saying.
03:55What do you feel about that?
03:56Because you're also a northern man.
03:57First of all, when we are talking about women in business, for example, looking at what I do here personally, is that we create a platform which a lot of businesses actually showcase their brand.
04:07But surprisingly, 85% of the participants are women.
04:10And then these women are killing it out there.
04:12I want to ask Zainab here for a second because you're pretty successful in your business.
04:16Do you feel like you have to down yourself so that you don't become too successful for the men in your life?
04:21As a woman, you can't be too successful.
04:24I think a man will be threatened, especially if he's your spouse.
04:27So is this a strategy that you're actively employing in your life?
04:30Yes, I am.
04:31You have to dim your light to shine brighter.
04:34Okay.
04:35Umita, do you have to shine bright like a diamond or do you dim yourself a little bit so that your spouse, your partner, your father shines brighter than you?
04:44So honestly, I don't have to because even if, for example, I tell my husband that I have a project, say, in the South, honestly, being the rebel that I am, I would want to go.
04:53So in a way, I don't dim my light, but I bring him on so that he thinks it's his idea to let me go.
04:58So, doctor, we're hearing different strategies being employed by women just so that they can participate in the open market.
05:05But what is the business case for that?
05:07What happens when women are not allowed to fully participate to their full potential?
05:12What is Nigeria losing?
05:14Nigeria is losing a lot.
05:16So not allowing them to fully participate is an economic downturn for the country.
05:20It has the capacity to improve global GDP by $12 trillion.
05:24Wow.
05:25So that is $12 trillion of untapped potential.
05:28Okay.
05:29Now, I understand that Abdullahi is waiting in the wings to come and sneak in.
05:33But before he does, Zainab, you mentioned financing gaps, which Dr. Jalindo here has mentioned.
05:39How tough is it to get formal credit as a woman?
05:41I think it's very tough.
05:42We have that gap and we need to close it.
05:45But I'm wondering, Dr. Jalindo, when the government is working so hard to create equality, is there more that can be done?
05:52Policy support for women entrepreneurs, access to financing in terms of legal protection for women businesses
06:00and in terms of general business environment that will cater for the needs of the women.
06:07Okay.
06:07So, Abdullahi, we're hearing a lot of things, but I do wonder because there are women who also want to be taken care of.
06:14I wonder what the people you're speaking to think about that.
06:17Yeah, interesting.
06:18I think a lot of people were scratching their heads with regards to the choice of words.
06:22Allow and support.
06:24Some people think, you know, there's no conversation about allowing women.
06:28It's more or less like supporting women to get the job done.
06:31But we're in the solution phase here, right?
06:33So, I would like to get your takes on what you think can make life easier for women in business in Nigeria.
06:42Women should just be allowed to do what they want to do without restriction.
06:46What could make things easier for you?
06:48Everybody around you should give you support.
06:51And who doesn't like to be taken care of?
06:53Right.
06:53What about the government?
06:56What about the society?
06:57What can they do to make you feel, you know, supported?
07:00I feel the society especially needs to start accepting that women are also capable of doing things that men are capable of doing.
07:07Men should also be okay with women dominating in the male-dominated fields like mine, Kapinchi.
07:13Well, if you ask Awal, he'll say that there's absolutely no problem at the moment with the way things are.
07:18But I just want to ask you, Dr. Jalindo, is there anything that can be done to flatten this line?
07:23What we need to do is to provide equal opportunities for both men and women.
07:27Making sure that you target a specific group of vulnerable women and have financing ready for them.
07:34Secondly, having programs that will improve literacy education is also key.
07:38Most importantly is mentorship.
07:40I love that.
07:41And Saada is actually already doing that, participating in the fourth industrial revolution in IT, mentoring women.
07:47What other solutions do you have for us?
07:49That the women be role models.
07:50Because in a society where the men, you know, they have these trust issues and whatnot,
07:56so I believe that whatever you're going to do as a person that starts, you should do it well.
08:01So that other men also will see and realize, okay, this is good for my wife, for my sister.
08:06And then secondly, technology also.
08:08Because there are a lot of solutions, I believe, that only women that are into technology that cannot be able to actually, you know, tackle that particular part.
08:15Yeah.
08:15I like that.
08:16I started this debate with Zaina, but I'd like to close with you.
08:19What should women do to stay empowered, to become empowered?
08:22I think mentoring.
08:24And that's why I started my podcast, Rise with Zerios, where I bring a lot of established entrepreneurs to see their stories, their challenges,
08:32so that the ones coming up will learn from them and will grow.
08:35Well, I dare not get any other comments after that beautiful close.
08:39Zaina Abdullahi, where are you?
08:40Let's close this debate.
08:41What are your final thoughts?
08:43Interesting takes, obviously.
08:45But I also think that at the heart of the problem is the fact that the scale of the problem is simply greater than the scale of the solution.
08:52But times are changing.
08:53Whatever you think about northern women or women, generally speaking, if we unlock that potential, the economy is going to look much different.
09:00Greatly put.
09:01We asked a very simple question at the beginning of this debate.
09:03What's holding women back?
09:05A lot of these women said men, but there are other multilayered issues, but they also have the solutions of how we can go around this.
09:12Thank you so much for being a part of this debate and watching us.
09:15Bye-bye.
09:16Bye-bye.
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