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Banking co-ops run by Black women have a longtime legacy of helping people

By Caroline Shenaz Hossein, Associate Professor of Business & Society, York University, Canada

Ajo, Osusu, Sandooq, Chit or Arisan? These are cultural names for systems of mutual aid and collectivity — known by academics as rotating savings and credit associations, or ROSCAs for short.

ROSCAs are hidden forms of co-operatives that Black and racialized people practise all over the world, including in Canada and United…

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