<i>even simpler are lending groups where everyone pitches in money and then everyone takes a turn in being able to borrow from the pool. I can't quite recall the name of these structures</i><p><a href="http://en.wikipedia.org/wiki/Rotating_Savings_and_Credit_Association" rel="nofollow">http://en.wikipedia.org/wiki/Rotating_Savings_and_Credit_Ass...</a>