A susu or sou-sou or osusu or asue (also known as a merry-go-round,[1] Partner, or Pawdna in Jamaica;[2] sol in Haiti; [3], san in Dominican Republic,[4] and Njangi in Cameroon[5]) is a form of rotating savings and credit association, a type of informal savings club arrangement between a small group of people who take turns by throwing hand as the partners call it. The name is used in Africa (especially West Africa) and the Caribbean.[6] Each person contributes periodically the same amount to a common fund; the total contributions are disbursed to a single member of the group. Each time, the recipient changes so that eventually all members are recipients. Participants of a susu do not make a profit. Instead, small periodic contributions are turned into a larger lump sum of the same value, with the susu acting as a savings club.[7]