May 28, 2018   by

The conservative chamas mainly operated  on the merry-go-round principle, i. e, members made fixed contributions at specific intervals and then these contributions were given back to the members according to an agreed-upon rotating schedule. Well, this principle did help, but... View Article

May 24, 2018   by

Gone are the days when chamas ( self-help groups) were a preserve of women ,and especially the less-educated people who lived in the village.These were the pioneers of the chama ideology; they came together to form small informal groups which... View Article

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