Your Friend Is the Bank: The Quiet Power of Abidjan's Tontine Circles
In Abidjan, a tontine is part group chat, part ledger, part promise. Friends and coworkers pool money so each person gets a turn at the pot—funding rent, school fees, weddings, and small businesses without waiting on a bank. Here's how the circle actually runs, and why Americans curious about communal finance keep looking at it.