Ayuuto is the best thing ever.

[Vivacious]

Imagine if you are the first one to take the ayuuto round one, and lets say like weeks later you fail to contribute your share of ayuuto, then how will you be able to repay the money you have already taken?

[TheblueNwhite]

That's messed up.

[Adali]

Ayuutu actually is money collected and kept for you. I don't see why anyone wants to have their money kept by other people. Get an extra account and save your money there. Simple.

It's the accountability factor that makes a huge difference. In an ayuuto dad badan ayaa lacagta kaa sugayaa, and ur repuation is on the line.

also the fact that you get a lump of money if you're first in line. Better than a student loan that is for sure.

[Vivacious]

Either be the last one or never participate in ayuuto.

[DisplacedDiraac]

It's for people who don't know how to save..

[Jugjugwacwac]

Imagine if you are the first one to take the ayuuto round one, and lets say like weeks later you fail to contribute your share of ayuuto, then how will you be able to repay the money you have already taken?

I'm sure Somali women have devised contingencies and punitive measures for such eventualities, such as getting the offender's tol to reimburse the ayuuto members and also naming and shaming the person within the Somali community.

[Vivacious]

Imagine if you are the first one to take the ayuuto round one, and lets say like weeks later you fail to contribute your share of ayuuto, then how will you be able to repay the money you have already taken?

I'm sure Somali women have devised contingencies and punitive measures for such eventualities, such as getting the offender's tol to reimburse the ayuuto members and also naming and shaming the person within the Somali community.

Typical Somalis

[Jugjugwacwac]

Either be the last one or never participate in ayuuto.

But being the first also has its benefits, because it's like an interest free loan. Going first or last all depends on whether ur looking for a lumpsome of money asap or to save money.

[original dervish]

I am a recent convert....I was skeptical at first but know know the value of the blessed hagbad.

[Cherine]

I believe the Somali word for it is...hagbad & nope never joined a hagbad.

[Adali]

Either be the last one or never participate in ayuuto.

Be the last one, then the first when in the second round, that way you get two lumps of money.

[MujahidAishah]

My hagbad is cashing in this summer hayaay

[MujahidAishah]

Imagine if you are the first one to take the ayuuto round one, and lets say like weeks later you fail to contribute your share of ayuuto, then how will you be able to repay the money you have already taken?

One women held the hagbad and she refuse to give the last gacan to the women lucky anno waan ka gacan horey.. All in all the hagbad holder stole the women money £24 K baay ka xaadey..Her tol paid the debt the women is blacklisted from any other hagbad

Ala ceebta

[Vivacious]

Bal ceebtaas fiiri

Adali, even if you take last in round one and take first in round 2, the question is the same. What happens in the event of failing to pay back the money?

[theyuusuf143]

somali xeer has many ways of law in forcing. if some one fail to pay or repay the hagbad. the hagbad manager must hold meeting with all the shareholders then members will make a decision collectively or individually depending on the stage of hagbad. usually shareholders are close friends or relatives or may be from the same subclan so they know your financial situation some are willing to give you flexible time to repay. but if you are stupid they will take the matter to your clan elders or your family. in somaliland the hagbad shareholders may go the local police station collectively and put you in jail until you pay. others prefer sharia courts and may open legal case against you if there is some dispute. others may kill you in fact a women was mutilated in hargeisa few months ago because of hagbad dispute.