Heat 1 Tablespoon Of Olive Oil In A Large Skillet Over Medium Heat. Add Onions And Garlic; Cook And Stir For A Few Minutes. Mix In The Habanero Pepper And Continue Cooking Until Tender. Remove From The Heat And Transfer To A Bowl. Pour In The Beans, Rice And Bread Crumbs. Season With Ginger, Salt, Allspice And Nutmeg. Mix Thoroughly Using Your Hands. Form Into 6 Patties. Heat The Remaining Oil In A Large Skillet Over Medium-High Heat (You Can Use The Same One). Fry The Patties Until Golden On Each Side, About 10 Minutes Total. Serve On Buns With Your Favorite Toppings.