6.1.7 With its emphasis on people, and in order to reinforce the principle that people should constitute the beginning and end motive of any credible and legitimate economic policy and development initiative, the Federal and State Governments have committed large resources to mass literacy and mass transit schemes. Under the Public Private Partnership (PPP) scheme, more than ten thousand mass transit buses have been launched by the Federal and State Governments in collaboration with the National Union of Road Transport Workers, an umbrella association of transport organizations in the country. In view of the dominance of the oil sector and its exposure to the vicissitudes of the international market, the Nigerian Government embarked upon a complete diversification of the economy by developing the non-oil sector. 6.1.8 The Government of Nigeria believes in Small and Medium Enterprises (SMEs) as the major engine of growth and has committed immense resources towards the realization of growth in this sector. In 2009, Government made available the sum of two hundred billion Naira (N200B) for agricultural expansion, under the Commercial Agricultural Credit Scheme (CACS). These funds were meant to stimulate the sector and return it to its position as the number one employer of labour, as well as to generate foreign exchange for the nation. Up to 133 Billion Naira had been disbursed as at July 2011 in 22 States of the Federation for various agricultural projects, leaving 66 Billion Naira in the coffers of the lending Banks for disbursement. 6.1.9 The Agricultural Credit Guarantee Scheme (ACGS) has been in existence since 1977 and is designed to ensure that practicing farmers can access lending banks through their State chapters of farmers Associations and State Implementation Committees for loans. The loans are given at a single digit interest rate while rebate is given to those farmers that comply with the repayment schedule of their loan facilities. As at June 2011, over 700, 000 Nigerian farmers had benefitted from the scheme. 72