ElGameya is a FinTech mobile application that is used to organize and manage micro-savings and credit (ROSCA model). It mainly provides microcredit and collaborative lending solutions. ElGameya is based on the concept of sharing economy. We believe that ‘Sharing is Caring’. A ROtating Savings and Credit Association (ROSCA) is a group of individuals who agree to meet for a defined period in order to save and borrow together. A group of people deposits regular sums of money over a fixed interval with a principal individual, known as ‘the banker’. The money then goes into a central fund. Each person in the group will take a turn in withdrawing all that money. For example, if ten partners pay in £10 each week, over the next ten weeks each week the banker will pay £100 (the draw) to one partner. This is done each week until every partner member has taken part in a draw.