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'Tontines', a community driven savings trust has operated in Africa for centuries. In different parts of that vast continent, it is also known as Njanji. The Caribbeans are also no stranger to this practice. In Antigua it is known as 'money box' as is 'club' the term for people living in the small islands. In some of Jamaica's 14 parishes this practice is known as 'pardner' which thrives to this very day. It is this name that we are more familiar with here. However, a slow silent revolution is once again brewing amongst ...

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