Our business follows the famous ROSCA (Rotating Savings and Credit Associations) model of business where group of individuals contribute a set amount of money on a regular basis either weekly, bi-weekly or monthly while one member withdraws the lumpsum amount at each term. Circle completes when everyone in the group receives the lumpsum payout once. It is operated in different names around the world such as Chit funds in India, Committee in Pakistan, Tanda in south America.