They are a kind of private lending organization, with each member paying a fixed amount to the leader each month, and with members who wish to withdraw money drawing lots or withdrawing in rotation according to the rate of interest which they bid.
它屬於一種私人的借貸組織，每個會員（會腳）每月固定繳一筆錢（會錢）給會首，由需要用錢者抽籤，或依利息高低輪流取得。