A key aspect of the reform program was the class of people-oriented projects, which targeted specifically on democratization of access to infrastructure, capital, housing, knowledge and skills. This class of projects was designed to enable citizens, particularly the masses, take productive advantage of the new economic order, acquire assets and thus have a stake in society. It was therefore, expected that through the growth orientation of the projects they would promote stability for the Nigerian system. This revolutionary people-oriented projects portfolio included programs such as those of DFRRI, NERFUND, Export Stimulation Loan (ESL) scheme, People’s Bank, Housing (Mortgage Banks, Building Societies, Housing Fund), the National Agricultural Land Development Authority (NALDA), Special Supervised Agricultural and Industrial Credit Schemes, Industrial Estate and Layouts, National Directorate of Employment (NDE) and specific schemes to tackle mass unemployment. The establishment of the three Universities of Agriculture, Export Promotion Zones, – like the one in Calabar – and significant resource pools (e.g for raw materials and science research education and housing development) may be included in this class.

In general, these well-nested programs required aligned financial system reforms, prioritization atop the agenda, and close monitoring.