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Chapter nine.

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The decision must come from someone independent of the people who prepared it.

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Here, that is Yusuf Garba.

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Yusuf reads the application and its full timeline.

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He records the committee's reasons and the final terms: fifty-fifty co-lending,

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16.5% interest, three months' grace, and a 15% contribution from the cooperative.

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DFFMS checks the terms against the facility rules.

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A hard breach would block the approval.

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He approves as independent checker.

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The person who requested the decision, or the applicant, could never approve it.

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This is the maker-checker rule, and you will see it everywhere in DFFMS.

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One person makes a record.

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A different person checks and approves it.

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The system enforces it, so no one can move money on their own.

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The application now shows as approved, and the timeline records the committee's decision.

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Yusuf opens the financing case.

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He confirms the beneficiary, the cooperative's reference, that it is women-led, and whether it is youth-led.

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Opening the case reserves the money from the facility's allocation.

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The new financing case starts at its first stage: conditions precedent.