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Chapter nineteen.

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Members pay in, and DFFMS turns each payment into units.

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Musa paid ₦500,000 into the Sterling Bank collection account.

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Funmilayo records it as a contribution, using the bank's credit reference as evidence.

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Blessing paid ₦250,000 on the crowdfunding platform.

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Funmilayo records that from the platform statement.

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DFFMS also checks that no contribution takes the scheme past its series size.

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Both contributions now wait for finance approval.

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Yusuf matches each one to the bank credit and the platform statement, and approves them in Transactions.

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The unit register shows the result.

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Units are the amount divided by the NAV per unit.

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Before any valuation, that is the ₦1,000 issue price, so Musa holds 500 units and Blessing holds 250.

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The rule is simple.

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Units equal the amount paid, divided by the latest approved price per unit on that date.

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SCAFI members can also pay online.

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Musa's card shows his units, their value, the NAV per unit, and how to contribute.

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He enters ₦100,000 and selects Pay online.

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Paystack's secure checkout opens.

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This demonstration uses Paystack's test mode.

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Back on DFFMS, the payment is verified directly with Paystack, and his units are allotted at once.

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Online payments need no manual approval, because the provider itself confirms the money.

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Musa now holds 600 units.