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Chapter eight.

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Ibrahim Sule moves Hauwa's application through its review stages.

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Every application follows the same path: eligibility review, due diligence, appraisal, and then committee review, where it is approved or declined.

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Each move needs a written reason, and if an application sits too long at one stage, DFFMS escalates it automatically.

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Ibrahim opens the application from the pipeline.

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He can see everything Hauwa submitted, the eligibility checks, and a timeline of every step so far.

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He records that the cooperative's registration, member list and identity checks are verified, and moves it to due diligence.

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After the site visit, the offtake letter and the bank statements are reviewed, he moves it to appraisal.

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His appraisal recommends approval at 16% on fifty-fifty co-lending over twelve months.

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He sends it to committee review.

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The timeline records every move, who made it, when, and why.

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The committee record now waits for an independent decision.