This paper describes the relative advantages and disadvantages of formal Rotating Savings and Credit Associations (RoSCAs), in contrast with informal RoSCAs, as seen in Argentina. NGOs, it is argued, are not in a good position to use the formal RoSCA structure to developmental advantage, since they could not manage the risk assessment or legal framework necessary with formal RoSCAs, which do not rely on social censure and capital for their operation.
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