rosc:roscas

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rosc:roscas [2025/12/05 18:30] – [History] asimongrosc:roscas [2025/12/19 14:39] (current) – dave
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-All over the world, ROSCAs are most usually founded and run by women – like chit funds in India.+_All over the world, ROSCAs are most usually founded and run by women – like chit funds in India._
  
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-Savings clubs were the seeds for building societies, co-operatives, and may well be the seeds for future commons / mutual / community-ownership movements.+_Savings clubs were the seeds for building societies, co-operatives, and may well be the seeds for future commons / mutual / community-ownership movements._
  
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-15-minute intro to ROSCAs.+_15-minute intro to ROSCAs._
  
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-They do.+_They do._
  
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-There are ROSCA apps / online ROSCAs, but please avoid corporate versions – there's no need for the corporate sector to take a cut.+_There are ROSCA apps / online ROSCAs, but please avoid corporate versions – there's no need for the corporate sector to take a cut._
  
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 ### Democracy / decentralising power away from corporations ### Democracy / decentralising power away from corporations
  
-ROSCAs do this directly, by taking business away from corporate banks. Providing things for ourselves in communities helps prevent extraction, decentralises power away from corporations (which makes it more difficult for them to [corrupt democracy](/thde/the_democracy_problem)) and democratises work.+ROSCAs do this directly, by taking business away from corporate banks. Providing things for ourselves in communities helps prevent extraction, decentralises power away from corporations (which makes it more difficult for them to [corrupt democracy](/demo/democracy)) and democratises work.
  
 As mentioned above, they provided the seed for various mutual / commons movements. They can seed all kinds of mutual aid / [commons](/coec/commons_economy) institutions / community development in the future too. As mentioned above, they provided the seed for various mutual / commons movements. They can seed all kinds of mutual aid / [commons](/coec/commons_economy) institutions / community development in the future too.
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-there's no interest involved with ROSCAs, which means they can work well in muslim communities, were interest (usury) is banned.+_there's no interest involved with ROSCAs, which means they can work well in muslim communities, were interest (usury) is banned._
  
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-ROSCAs can help members start a business.+_ROSCAs can help members start a business._
  
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-Saving clubs in Kenya are called chamas, and virtually everyone is involved with one. This made it much easier for [the Sarafu Network to introduce mutual credit trading in Kenya](http://lowimpactorg.onyx-sites.io/posts/how-chamas-mutual-credit-changing-africa/).+_Saving clubs in Kenya are called chamas, and virtually everyone is involved with one. This made it much easier for [the Sarafu Network to introduce mutual credit trading in Kenya](http://lowimpactorg.onyx-sites.io/posts/how-chamas-mutual-credit-changing-africa/)._
  
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-More names, from kin.coop+_More names, from kin.coop_
  
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 - [ROSCAs as an Islamic micro-finance vehicle](http://lowimpactorg.onyx-sites.io/wp-content/uploads/roscas-and-islamic-finance.pdf) - [ROSCAs as an Islamic micro-finance vehicle](http://lowimpactorg.onyx-sites.io/wp-content/uploads/roscas-and-islamic-finance.pdf)
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 - [Bank of England](https://www.bankofengland.co.uk/museum/whats-on/pardner-hand): resources from an exhibition about 'pardner hand' - ROSCA of the Windrush generation in the UK - including articles, interviews and free school resources - [Bank of England](https://www.bankofengland.co.uk/museum/whats-on/pardner-hand): resources from an exhibition about 'pardner hand' - ROSCA of the Windrush generation in the UK - including articles, interviews and free school resources
 +- [Wikipedia](https://en.wikipedia.org/wiki/Rotating_savings_and_credit_association)
 +- [Science Direct](https://www.sciencedirect.com/science/article/pii/S2772655X23000393) - ROSCAs: a scoping review
 +- [Oxford Academic](https://academic.oup.com/book/38811/chapter-abstract/337654970?redirectedFrom=fulltext) - an introduction to ROSCAs as living proof of diverse community economies
  
  
-## Specialist(s)+## Specialist curators of this topic
  
  
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