The paleoanthropologist Shirley Ardener has found that not only Oriental peoples such as the Chinese and Japanese have RCAs. There are also similar rotating credit systems in Africa. By contrast, they do not exist in advanced Western countries.
考古人類學家 Shirley Ardener 發現，不只是中國人、日本人等東方民族有互助會，非洲也有類似輪會制度；相對地，西方先進國家則無。