Eg. if selection is by auction, and there are only two members (A and B) who want money in this month, then they can bid for anything less than 20,000. If A says he is ready to take the pot for 19k (he will leave 1000 for the rest of pool provided he gets the money right now) and B says he is ready to take the pot for 18k, the winner of the first month will be B. The foreman will deduct the organizer money (maximum of 5%, in this case 5% of 18,000 = 900) and give 17,100 to B. The remaining amount of 2,000 will be distributed equally among the 20 members, by way of this month's monthly instalment of 900 (and not 1000). In this case, the lowest allowable bid would be 40% lesser which would be 12,000.