http://4jndbnscrvmljnl3vynggebzvi5saz5gllk3iksdskgkmoq5oaqtxrqd.onion/sci/thread/346.html
From a 2016 article by Erin Curtis (p. 113):
The Cambodian variation of the arrangement allowed refugees to swiftly receive and pay back money. The loans were tax-free and interest-free, supporting Kolker's assertion that informal lending clubs exist “to save money, not to make it.” Perhaps most importantly, they made cash “quickly available to those who couldn't otherwise get credit.”