Cooperative savings, ROSCA cycles, and collective vs. individual investing.
A cooperative savings pool (credit union model) is where members pool contributions, earn collective interest, and build a shared fund for loans, investments, or emergencies.
Pool Value at Year —
—
Total Contributed
—
Interest Earned
—
Per Member Share
—
Max Emergency Loan
—
A ROSCA (Rotating Savings & Credit Association) — known as "sou-sou" in Caribbean and West African communities — is a group where each member contributes monthly and one member receives the full pot in rotation. No bank required.
Pot Size Each Round
—
Your Total Paid In
—
You Receive
—
Your Month
—
Months Before Payout
—
Compare what happens when each person invests individually at a lower rate versus pooling resources into a collective fund that earns a higher institutional rate.