1 00:00:01,000 --> 00:00:02,300 Welcome. 2 00:00:02,300 --> 00:00:10,847 This guide walks you through DFFMS, the Digital Financial Flow Monitoring System, one screen at a time. 3 00:00:11,967 --> 00:00:21,500 DFFMS is the record and monitoring platform for the Special Agro-Industrial Processing Zones programme, known as SAPZ. 4 00:00:21,500 --> 00:00:23,500 It does three things. 5 00:00:23,500 --> 00:00:30,033 It keeps one record of every naira, from the first application to the last repayment. 6 00:00:30,033 --> 00:00:36,567 It makes sure every money movement is recorded by one person and approved by another. 7 00:00:36,567 --> 00:00:44,489 And it tells everyone affected what has happened, in the app, by email and by browser notification. 8 00:00:45,700 --> 00:00:53,433 The programme is worth ₦420 billion, set out in the October 2026 term sheet. 9 00:00:53,433 --> 00:01:01,767 It is split across five financing facilities, from climate-smart farming clusters to large infrastructure. 10 00:01:01,767 --> 00:01:12,541 Alongside them sit two alternative investment schemes, SCAFI and SAIF, where civil servants, cooperatives and investors buy units. 11 00:01:13,733 --> 00:01:16,700 Many different people use DFFMS. 12 00:01:16,700 --> 00:01:21,200 Members of the public apply for finance or join a scheme. 13 00:01:21,200 --> 00:01:25,933 Programme, state and bank staff review and manage the work. 14 00:01:25,933 --> 00:01:30,933 Finance officers record money, and separate approvers check it. 15 00:01:30,933 --> 00:01:35,967 Analysts, auditors, executives and investors watch the results. 16 00:01:35,967 --> 00:01:41,549 Each person sees only the pages and the records their role allows. 17 00:01:42,767 --> 00:01:44,900 This guide has five parts. 18 00:01:44,900 --> 00:01:47,200 First, the public website. 19 00:01:47,200 --> 00:01:55,300 Second, facility finance, following one cooperative from its request to a disbursed loan and a repayment. 20 00:01:55,300 --> 00:01:59,267 Third, the two investment schemes, in full detail. 21 00:01:59,267 --> 00:02:03,033 Fourth, monitoring, early warnings and reports. 22 00:02:03,033 --> 00:02:07,767 And fifth, administration, settings and what each role sees. 23 00:02:07,767 --> 00:02:15,898 All the people and organisations you will meet are fictional, and every screen is the real platform. 24 00:02:18,216 --> 00:02:19,483 Chapter two. 25 00:02:19,483 --> 00:02:26,224 The public website at dffms.org, which anyone can visit without an account. 26 00:02:27,216 --> 00:02:31,383 The home page explains the platform in plain language. 27 00:02:31,383 --> 00:02:39,669 It speaks to farmers and cooperatives, young entrepreneurs, businesses, investors, and government institutions, 28 00:02:39,669 --> 00:02:46,349 and it shows the journey every request follows: discover, connect, deliver and prove. 29 00:02:46,349 --> 00:02:51,597 Near the bottom, it explains why the platform can be trusted. 30 00:02:52,016 --> 00:02:59,583 Products lists the published financing facilities, read live from the term sheet in the database. 31 00:02:59,583 --> 00:03:05,283 Each card shows the facility's share of the programme and what it pays for. 32 00:03:05,283 --> 00:03:10,497 Anything marked restricted is only open to approved users. 33 00:03:10,883 --> 00:03:19,783 The marketplace shows every opportunity that is open right now: investments, loans, grants and value-chain support. 34 00:03:19,783 --> 00:03:25,549 Each listing names the responsible provider and the amount it starts from. 35 00:03:25,549 --> 00:03:29,474 To apply, a visitor creates a free account. 36 00:03:29,883 --> 00:03:34,316 SAPZ Zones lists the participating states and zones. 37 00:03:34,316 --> 00:03:41,197 Partners shows the institutions working on the programme, and About explains who runs DFFMS 38 00:03:41,197 --> 00:03:50,111 and its four pillars: blended capital, credit guarantees, index-based insurance, and digital traceability. 39 00:03:53,516 --> 00:04:02,483 Every public page can be read in English, Pidgin, Hausa, Yoruba or Igbo, using the language selector at the top. 40 00:04:02,483 --> 00:04:07,706 Here it is in Hausa, then Yoruba, and back to English. 41 00:04:08,083 --> 00:04:16,416 Finally, the frequently asked questions, a searchable help centre, and a contact page for official inquiries. 42 00:04:16,416 --> 00:04:20,638 We will see what happens to an inquiry in part five. 43 00:04:23,250 --> 00:04:24,950 Chapter three. 44 00:04:24,950 --> 00:04:31,150 Hauwa Musa chairs the Zaria Grain Growers Cooperative in Kaduna. 45 00:04:31,150 --> 00:04:36,923 Before she can apply for finance, she needs a free DFFMS account. 46 00:04:37,850 --> 00:04:48,217 She selects Create account, then enters her full name, her email address and a password twice, and accepts the terms and privacy notice. 47 00:04:48,217 --> 00:04:53,991 A public account can never give anyone staff or administrator powers. 48 00:04:54,383 --> 00:04:58,650 DFFMS sends a secure verification link to her email. 49 00:04:58,650 --> 00:05:02,299 The link expires after thirty minutes. 50 00:05:03,650 --> 00:05:07,483 One click confirms her address and signs her in. 51 00:05:07,483 --> 00:05:09,517 This is her account area. 52 00:05:09,517 --> 00:05:19,312 From here she can browse opportunities, track her requests, join a scheme, see her payments, and read her notifications.