At Lawi,

By the way your system has already been put in place in Kenya. Remember K-Rep Bank, before PEV, used to give loans to people in a communal manner where you prove that all your friends will assist pay back your loan if your venture (eg githeri or samaki kiosk etc) failed. This was mostly done in slums and 'deep' rural areas where ones friends are all he has.

However, during PEV most of these friendships esp in slums were cut short as people ran to their ancestral homes. So there you have it, many ideas are usually being implemented as we 'dream' about them.

Davis