OneClick offer users opportunity to create their own group and regularly contribute a fixed sum into a pool held by a OneClick. Each time group members make a contribution, one of them receives the entire sum. Thus, if 20 people each contribute 10 dollars per week, every one of them will receive 200 dollars at a certain point in time.
For the ones that receive the first payments, it is like an interest-free loan. For the others, it is like forced saving with gradually declining interest rates.
Formal sector credit is often out of reach due to high interest rates (typically between 20 and 30 percent). Banks also demand collaterals that many informal entrepreneurs cannot provide. And widely ruling corruption may imply additional costs to facilitate the application process.
This is the reason why, OneClick is here help out by making cash easily accessible to it's members.
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