Response 1:

Orphan A: Lack of Trust in Internal Saving and Lending Schemes

As an orphan who has experienced the challenges of growing up without a stable family structure, lack
of trust is a significant obstacle that affects the sustainability of Internal Saving and Lending Schemes
(ISLs). Trust is essential in any financial system, and when it comes to ISLs, it becomes even more critical.

One reason orphans like myself struggle with trust is due to our past experiences of abandonment and
neglect. We have often been let down by the very people who were supposed to care for us, making it
difficult for us to place trust in others. This lack of trust extends to financial matters and can lead to
hesitation in participating in ISLs.

ISLs rely on a high level of trust among participants, as members pool their resources and lend money to
one another. However, for orphans who have experienced broken promises and unreliable support, the
idea of entrusting their hard-earned savings to others can be daunting. There is a constant fear of being
taken advantage of or losing everything they have worked so hard to save.

Moreover, the absence of a support network or guidance exacerbates the trust issue. Orphans often lack
mentors or role models who can educate them about the benefits and risks of financial systems like ISLs.
Without such guidance, it becomes challenging to navigate the complexities of the scheme and make
informed decisions.

To address this challenge, it is crucial to focus on building trust among orphan participants in ISLs. This
can be achieved by implementing transparent and accountable systems that ensure the fair distribution
of funds and the adherence to agreed-upon rules. Additionally, providing financial literacy training and
mentorship programs specifically tailored to orphans can help instill confidence and empower them to
actively participate in ISLs.

Response 2:
Orphan B: Lack of Trust and its Impact on the Sustainability of Internal Saving and Lending Schemes

Trust plays a vital role in the sustainability of Internal Saving and Lending Schemes (ISLs), but as an
orphan, I have experienced firsthand how the lack of trust can hinder the success of such initiatives.

For orphans, trust is a fragile concept due to the absence of a stable support system and the
vulnerability that comes with it. Trust is rooted in confidence, reliability, and predictability, but these
qualities are often lacking in the lives of orphans. Without a consistent and dependable environment, it
becomes difficult to put faith in others or financial systems like ISLs.

One of the main challenges orphans face is the fear of being exploited or taken advantage of. The lack of
a familial safety net makes us more susceptible to manipulation and abuse. This fear can lead to a
reluctance to participate in ISLs, as we worry about entrusting our hard-earned savings to individuals or
groups who may not have our best interests at heart.

Additionally, the absence of personal connections and a sense of community further exacerbates the
trust issue. ISLs rely on strong interpersonal relationships and mutual accountability to function
effectively. However, as orphans often lack a stable network of supportive individuals, building trust
becomes a significant hurdle. Without a sense of belonging or reliable connections, it is challenging to
establish the trust necessary for ISLs to thrive.

To overcome this challenge, it is crucial to create a safe and inclusive environment within ISLs that
addresses the unique needs and concerns of orphans. Implementing transparent governance structures,
comprehensive background checks, and clear dispute resolution mechanisms can help build trust and
allay the fears of potential participants. Furthermore, fostering a sense of community through
mentorship programs, support groups, and regular communication can help orphans feel connected and
valued within the ISLs, increasing their trust and engagement in the long run.