kombinaní
Kombinani is a term originating from the Malawian Chewa language, commonly used to refer to a traditional form of community mutual aid or savings club. It is a socio-economic practice where a group of individuals, typically women, pool their resources together on a regular basis, such as weekly or monthly. The collected funds are then disbursed to one member of the group in rotation at each meeting. This system allows members to access a lump sum of money that they might not otherwise be able to save individually.
The purpose of kombinani is multifaceted. It serves as a crucial source of capital for small business
While deeply rooted in tradition, the kombinani system has shown adaptability. In some contexts, it has been