Esusu is a savings contribution system that has a coordinator who is normally chosen by other members of society to manage the money and hand it over to the other. Members then plan an agreed amount of money for savings in a month. The money is then turned between all the members of the group for a certain period of time. Among the Yoruba, traditional cooperatives, known as Aaro, Owe, Esusu and Ajo, are common. The order in which people can draw the money is usually decided by a vote or consensus.. . .