1. What can cause a ROSCA (tongtin) group to have less than the expected weekly lump sum for distribution to a member?

a. Regulation from the National Bank of Cambodia

b. Ex post moral hazard

c. Third party guarantees of loans made in tongtin

d. Cash flow shocks for participants

2. What financial products in the regulated microfinance sector is the tongtin ROSCA most similar to ?

	a.	Grameen style group loans
	b.	Government bank mortgage program
	c.	Grameen 16 decisions
	d.	individual loan from ACCION affiliate bank

3. A ROSCA such as Cambodia tongtin groups can scale to the same size as a commercial microfinance bank.

A. True

B. False