For near 30 years, I've researched informal business collaboration through networks of trust: organic, flexible, & unmediated.
These are still-existing chamas, stokvels, susus... Individuals join, groups enforce rules, transgression has immediate & devastating consequences.
Group-lending has unheard-of levels of repayment because failing the group means failing your community. Plus, the group is flexible. If you're struggling, they're your friends & neighbours. They'll find a way to help.
Gavin Chait;
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2026-07-24 09:31:54 UTC
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