Thing is, there are business models commonly practiced in some parts of Africa, people within communities contribute specific amounts of funds to a pool, each month, a member of the community takes the entire funds in the pool at the end of that month, this process is repeated every month and the rewarded members are rotated.
You’d be surprised that people are willing to wait the entire cycle till it’s their turn to take the pool, essentially people are compelled to wait their turn, it might not be convenient for everyone but it works.

Yeah the practice really works,though one of the challenges in the practice is when of the contributors refused or delaying in paying his or her contribution....it have some negative effect on the rotation of the contribution funds...but generally the practice really works and helps people to be able to save money and embark on wonderful personal projects and fulfil their needs...