its not about profit, its about Force Saving motivation among the group

by the way, by akta its illegal

do it on ur own risk and to minimize risk thats why they always do with friend that they trust. not some outsider lol coz ur money easily gone like that

its not profit oriented
merely like borrowing from a friend

https://m.utusan.com.my/rencana/utama/kutu-oh-kutu-1.758853

thats wrong concept

kutu you will never receive additional money

example 12 person do kutu with each person contribute 100 ringgit

that 12 person will then choose which month to receive money. So person 1 maybe take january and last person take December. Person 1 will receive 100 X 12 person = 1200 ringgit for that month and remaining month, he/she need to pay 100 each month without receiving any more money. That last person who take December, will only receive his money on December. From Januari to december he still need to fork out his 100 ringgit per month

that is not additional money, it just force saving

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