I have a novel but simple idea which can enable entrepreneurs to be self reliant and rely less on bank loans. A group of people, say five each contribute 10$. That makes 50$. This is loaned to one person. After a set period of time, they repay the amount without interest. The amount is shared between the remaining 4 members each getting 12.5$. An interest of 25%!. Which bank offers that? The cycle continues until all members are covered.