Collective Campaigns

A small no-interest bridge for the sudden stuff — the transmission, the ER copay, the week between jobs. Capped at $300 a family, paid back when you can, topped up at the annual cookout. Nobody in this circle falls without twelve hands reaching out.

Demand

$1,500 standing float for emergency bridge loans.

Value to counterparty

No-interest, capped at $300/family, paid back when you can.

Alternatives (BATNA)

Families otherwise turn to high-interest credit for emergencies.

Supplies from the bulk case, backpacks from the group order, and a haircut voucher so every single kid walks in on day one sharp, stocked, and smiling. Families chip in what they can; the pool covers the gap quietly. No child in this circle starts the year without.

Demand

Full kit + first-day haircut voucher for all 23 circle kids.

Value to counterparty

Families chip in what they can; the pool covers the gap quietly.

Alternatives (BATNA)

Some kids would start the year without full supplies.

Cycle 4 opens next month: $200 a household, every month, and each month one family takes the $4,000 hand. Order drawn by lot at the potluck and published to everyone — no favorites, no surprises. Our grandmothers ran this on trust and a notebook; we run it the same way, just with better bookkeeping. Two spots left.

Demand

20 households committed for the 12-month susu cycle (18/20 confirmed).

Value to counterparty

Order drawn by lot at the potluck, published to everyone — no favorites.

Alternatives (BATNA)

Without the circle, families would need a bank loan or go without.