It doesnt always go smooth. I seen people fall out and mediates get involved. I also seen big arguments about the debt and shop owner accused of lying about the numbers. More than anything it’s just too much stress and kill small shops money flowThat happens at the Arab Somali mall too and pretty much every Somali run business as well. Even here in Canada. The Somali dayn system works because people always pay back. They know each other they don’t give freebies to people they don’t know.