Have you been a member of a Merry go round? Have you ever facilitated? Did you ask for 'convenience' fee? If you have the ability to pool people together and win their trust, you can actually run with this. I bumped into a lady doing online chama. I felt she was doing great and has a 'heart of gold' like many of her followers until I sat down and did the maths. She runs a number of chamas with many followers...a single chama can hold as many as 200people. The chama is paid daily and so is 50 facilitation fee per person, PER DAY! Do the maths. Some chamas attracts a higher facilitation fee. It doesn't end there.... there are several daily, weekly and monthly chamas. After doing my maths, the lady makes at least 300k per month.