A small savings group for factory workers who run short at month end

In many factory-area families the money is gone a few days after pay. In an emergency they borrow at high interest, which adds to the pressure. Four or five trusted colleagues or neighbours agree to put a small amount in a notebook each month. Each person's share is written openly, and the money is kept by someone everyone knows or in a bank account. In an emergency a repayable loan can be given with everyone's agreement. You need trust, a notebook and a time to sit once a month.