The Susu club is a universal feature of the Liberian workplace. Hardly any agency, trading firm, or NGO is without a Susu Club. The Susu club comes in two variety, the non-profit and the commercial. The non-profit is the more benign of the two. It is normally organized rather informally. The employees of a company, or even a section of a company agree to form a Susu club and will pay a certain amount of their salary to the club cashier every month. In an non-profit Susu, the percentage of the salary pledged tends to be higher than in a commercial Susu. The drivers of one NGO operating in Liberia pay 70 USD, about one third of their salary, into their Susu account every month. But every month one of them is the lucky one. He will receive the combined input of the other Susu members. In this particular Susu club the payout is 700 USD. The next month it is another persons term to collect the 700 USD. So, the Susu club is in effect, a revolving loan given by the paying members to the receiving member. The advantage for the member is that, once or twice a year, depending on the structure of the Susu club he gets paid 700USD instead of his regular salary of 250 USD.