Tanomoshiko (also spelt Tanomoshi-ko or Tanomosiko) (Japanese: 頼母子講) ("reliable group")[1] is a variety of rotating savings and credit association (ROSCA) found in Japan.
Historically these associations played a major role in the economic life of Japan and among the Japanese diaspora, and still survive on an informal basis in some parts of the country.
[3] The principle was that each member would contribute a sum at regular intervals and would receive a single payment when their turn came round; it required mutual trust among those involved.
[3] The institution went into decline after World War II, with the further growth of commercial banks and social security and the loosening of community bonds, but still exists in some parts of Japan.
In Aizu region of Fukushima prefecture, tanomoshi called mujin has supported savings for leisure mainly in restaurants once a month (e.g., Kimura, 2001).