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Part three covers the two alternative investment schemes, in full.

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Chapter fifteen introduces them.

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There are two schemes.

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SCAFI, the Civil Service Agricultural Funding Initiative, is run on DFFMS itself.

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Civil servants join through a registered cooperative, straight from their DFFMS account.

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SAIF, the Agro-Investment Fund, is sold on an SEC-licensed crowdfunding platform, and DFFMS keeps its register.

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In both, units are issued at ₦1,000 and then priced at the fund's net asset value.

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Dividends are paid once a year, after withholding tax, and redemptions are paid within seven working days.

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An important point: DFFMS never holds the investors' money.

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The cash sits with an SEC-licensed custodian bank, protected by a trustee, managed by a fund manager and checked by an auditor.

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DFFMS is the record: who joined, who paid, how many units they hold, and every approval along the way.

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Ibrahim opens Investment schemes.

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The tabs follow the life of a scheme: overview, members, cooperatives, contributions,

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the net asset value or NAV, dividends, redemptions and the investment portfolio.

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The overview shows each scheme's key figures: members, capital raised, units, the NAV per unit, dividends paid, and redemptions settled on time.

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Below are its facts: series size, cost of funds, withholding tax, redemption terms and the parties.

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Notice the label on each scheme: draft.

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A scheme in draft is invisible to the public.

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Nobody can join it, and no money can be recorded against it.