User:Esau alfred/sandbox
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VICOBA ENDELEVU.
Ni aina ya VICOBA ambavyo hujishughulisha na uwekaji akiba na kukopeshana, ikiwa mzunguko wa kikundi ni kila mwaka huvunja kikundi na kugawana faida na mtaji (Akiba walizoziweka kwa mwaka mzima).
Vicoba hivi kwa jinalingine hutambulika kama VICOBA VUNJAVUNJA.
Vicoba hivi ikifika mwishoni mwa mwaka baada ya kufunga mahesabu wanagawana faida, akiba walizo weka (fedha za hisa, jamii na dharura) na kuanza upya.
Mfumo wa vicoba visivyo endelevu hufanana na vikundi vingine vya huduma ndogo za fedha ambavyo huwa wanachangishana kila mwezi lakini mwisho wa mwaka wanagawana fedha zote, utofauti wa vicoba visivyo endelevu na vikundi vingine ni kwamba, vicoba visivyo endelevu huwa vinausimamizi mkubwa (viongozi wengi) na pia vikao hukaliwa kila wiki na kipindi wanakutana ndio wakati wa kununua hisa na fedha ya jamii (kuweka akiba) lakini vikundi vingine havina usimamizi mkubwa (viongozi wachache maarufu kama kijumbe) na pia wanachama hukutana kila mwezi na vingine ni vya mzunguko (jina linalo fahamika kama mchezo) watakapo maliza tu mzunguko na kikundi kinaishia hapo, na kusubili mzunguko mwingine.