Amidu Mutaru is a first year PhD student at the Anthropology department of the University of Toronto. He is from northeastern Ghana, and holds an MSc in African Studies from Oxford University. His research interests lie in the theoretical crossroads between youth cultures, activism, social movements, informal economies, livelihoods, cyber frauds, and the anthropology of morality. He is currently developing his PhD thesis topic along these lines. He has worked as a research assistant on diverse projects including the "Black Social Economy in Toronto" project from which this piece emerges. On this project, Amidu worked with the "Banker Ladies" and carried out global research on the ROSCAs for Professor Caroline Shenaz Hossein, his supervisor who has worked on solidarity economies, ROSCAS and informal finances for more than a decade.