Question

why is dhukuti and effective in a community

Answer 1

Answer:

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Police have been receiving a flood of complaints against the fraudulent game “Dhukuti” with victims claiming huge loss of money. Of late, the illegal business has been the source of numerous crimes including cases of fight, suicide and illegal money laundering in the capital.

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Answer 2

Answer:

Dhikur (in Thakali), dhukuti or dhikuti (in Nepali) - literally a storage box, used for valuables or food grains - The Dhikuti is a financial self-help group which originated from a system of communal food grain storage for the needy. With the onset of the market economy, it expanded quickly and became a sophisticated informal people's bank, providing capital for small businessmen as well as farmers. Its resources are solely derived from internal savings mobilization. Thus, the Dhikuti can be defined as a rotating credit association in which equal amounts of money are collected from the participants in regular intervals and allocated to one member at a time. Its rotation is mostly determined by secret tender, the fund going to the lowest bidder, except at the first and last rounds of a round. Dhiktui has become a major informal financial institution for small enterprise finance in Nepal, particularly for investments in non-farm and off-farm activities. In many cases, it is the only source of credit.

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Explanation: