Accumulating Savings and Credit Association  Individual saving  can be done either by having an account in a banking institution or having a piggy bank.  When on joins a group they learn to save as part of the group.  Choices of saving... View Article

Understanding How ROSCAS Work Ever heard of ROSCAS? ROSCA is an acronym for Rotating savings  and Credit associations. ROSCAs are amongst the oldest and traditional savings institutions in the world and play a vital role in society. ROSCAs’ vary but... View Article

Some chamas that contribute modest amounts per month may face challenges on how to grow their savings so as to earn more and reach their goals.   Whilst some adapt the merry-go-round concept where all the money contributed during the monthly... View Article