People in Developing Countries May Want to Participate in a Rotating

People in developing countries may want to participate in a rotating savings and credit association (ROSCAS) because:

A) such associations are part of the black market and they offer attractive returns.
B) such associations promise a guaranteed return unlike other banking institutions.
C) such associations allow participating individuals to invest their savings abroad.
D) such associations allow all but the last member to receive funds faster than they could save on their own.
E) most governments encourage it.