Josephine Awuor, 34, always looks forward to her turn to receive "merry-go-round" contributions from fellow members of Msingi Bora (Good Foundation), a micro-finance group she belongs to in Kibera, Nairobi's largest slum. Meeting weekly, the 23 Msingi Bora members each contribute 50 shillings (60 US cents), which is pooled for members to take loans from. At each meeting, the members also contribute 20 shillings (26 US cents) each - to be given to one member in what they term their "merry-go-round" as they draw lots to determine the order of receiving the money.