Quick way to borrow money, minus any interest.

Force saving.
And actually kutu situation like this.

Imagine that u need to pay road tax and insurance.
forgot didnt save money earlier. Simpan 100 a month kenot cukup. So join kutu 12 ppl = RM1200.

So just say to the keeper, u need to pay insurance on February. So in February, Instead of having only RM600, u get RM1200. Then after that u need to continue paying.

But, kutu is illegal yo.

I said your version is not attractive. I didn't say it's wrong.
When there is risk, there must be some gain before it's accepted. Your version has all the risk but little gain, if any.
My version is not cepat kaya. RM100 pm will not make you cepat kaya. It's the ability to borrow money at short notice. You'll have to pay back with interest (this is the main difference between kutu and cepat kaya) if you still want these people to be your friends and neighbours.

And I'm fully aware it's illegal.

thats the concept but usually macha B will come along and say no money for 3-5 months or outright lari, then they onself rugi.

There is no profit, just rolling ur money
Say 12 persons, each person will pick 1 month that they would like to get the money

For example if u have to renew ur road tax on August, so u need extra money, so u pick August
Then from Jan onwards u will pay 100 bucks to the collector...u have to pay this until December
When it's August, u will get paid 1200 bucks

I play this since my old colleagues ajak me....nothing much just treat it as a small saving
Because if u dont pay that 100, end of the month u wont see that money also
So u pay them, at least during August u can see 1.2k

The amount of money played is all up to the group to set

Right now i am playing 400bucks a month
i my turn to get money is sept oct nov dec
So during these months i will get 1.2k each month

I never played with macha, if you know what i mean

All my kutu fellows are racing m colleagues

idk man everytime i hear someone talk about kutu 11/10 times its a yindian. Not once i see cinis or tuan bumi punya asked to join their kutu, maybe they see me poor feg no have money for big boy league kutu?

Alrite. Sorry for that

So yours not KUTU then

Kutu will never implement interest

i pernah join yindian one once... first and last time lol

my racing m colleagues are very familiar and comfortable with me that's why they ajak me, even now i am no longer working with them
have been playing with them for over 4-5 yrs already

gain kutukan from pious neighbours

for me.. all of us is male.
mostly of my kutu member are teachers with RM250.00 per month for 12 people..
the u do know how much per month we do get then.

we do not have bankers but only chat via whatsapp, but we all are know each other so we trust each other. every month the person who got the money will give his acc. number for us to bank in.

stupiak concept, once already got item/full money, suddenly very hard to contribute.

school time got play this, people that in the last of rotation habuk pon tak dapat. luckily the amount is small.

untuk giliran bulanan kami open untuk first come first reserve.
then kalau ade yg nk ubah giliran bleh deal with that person personally.
macam aku ade kawtim ngan kawan bulan 6 aku n ABU kongsi sparuh,
then bulan 12 Abu n aku kongsi sparuh.

For Chinese kutu, they will profit. But you must make sure that you know all these kutu members, if not later they disappeared habis your investment.

For example the kutu group has 10 participants and monthly kutu contribution is RM100. Start month 1, these 10 participants will meet to bid who gets the kutu fund first. The person who bid the lowest will win the kutu fund for month 1. Say I am in, but I do not intend to bid on month 1, I can refrain from bidding, and let the rest who needs the money to bid. If someone needs money badly, they may bid low say RM85, some bid RM96, etc. so the RM85 bidder will win the bid and all the 9 participants will give him RM85 only.

Month2: The one already bid cannot bid anymore, will only service the kutu for remaining 9 months x RM100 each month. Remaining 9 bidders repeat. So the last person i.e., 10th participants at the end of 10th month collects 9 xRM100

did it before with 3 of my colleagues, every month pass RM 200 to one of them by taking turns, when it's your turn you'll get back RM 600 you give out before.

It's not about profit, more like forcing yourself to save money.

Main problem if one of you stop passing their money so have to be sure they're not those money leeching type.

kasi certia sikit what happened to the yindian one? i never join kutu before my scamdar start ringing when someone offers kutu.

No gain unless u r the first in turn

We do one in /k la. Rm1

i see now. thanks for the sharing bro!

now i know

ayam currently playing kutu with my 9 koliks

but not much la, rm100/month only

my turn last april, manyak syok dapat lump sum rm900.

so yeah it got no profit in terms of money. but u can benefit from getting quick cash but din want to borrow etc.