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Part four is about oversight.

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Chapter twenty-three: Ngozi Eze watches how each facility is performing.

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Facility monitoring opens with the open early warnings, the critical ones, the facilities monitored, and climate triggers in the last ninety days.

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Warnings are checked every day, and sent to the people responsible in the app, by email and by push.

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Every facility shows the same core indicators: applications received, approval ratio, average size,

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approved and disbursed amounts, women and youth beneficiaries, repayment, portfolio at risk, and recovery.

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F-I adds its climate indicators: input finance, insured exposure, premiums, claims and loss ratios.

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Agric-Vault tracks loan-to-value, collateral and storage.

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Value-chain finance tracks deliveries, buyers and first-loss use.

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Agribusiness tracks growth, cash flow, equity returns and jobs.

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And infrastructure tracks cost, progress and private capital mobilised.

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Ngozi records a climate reading.

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The hazard is a rainfall deficit in the Ikara maize cluster in Kaduna, measured by the NiMet weather station index.

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Only 41 millimetres of rain fell, against a trigger threshold of 60.

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She records the source: the NiMet dekadal bulletin.

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She also records a market price: maize at ₦465,000 per tonne at the Zaria grain market.

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Price falls feed the Agric-Vault warnings.

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The reading appears in the climate readings table, with its deviation from the threshold.

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Because there are live F-I loans in Kaduna, DFFMS raises a critical early warning: a climate trigger in Ikara.

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It tells everyone responsible, and asks for a management decision.

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Climate warnings stay open until someone resolves them.