Hand-to-Hand Capital Management - Common among U.S. immigrant communities, tandas, cundinas, susu (Carribean), and Hui (Chinese) are essentially joint savings accounts/credit associations that function like banks. Membership may range from 10-20 people, and members typically contribute a small portion of their weekly or bi-weekly pay check to the small fund. The proceeds of the fund are then distributed to one of the member on an interest-free, revolving basis as a loan of sorts. The disbursements allow members to make more expensive discretionary purchases. With access to credit and capital constrained across the world, such community level organizations are growing as cash grows harder to come by. The associations have many positive social benefits, including promoting frugality/saving and helping to stimulate suffering local economies as unemployment levels soar. Do you have any experience with a private credit association that works like a tanda?